Best Credit Card Hotel Promotions and Discounts 2024 (2024)

Get the most bang for your buck with a trusty credit card by your side and enjoy these exclusion promotions for your next hotel stay

Paying for your hotel stays with the right credit card not only earns you valuable credit card rewards, but you can also enjoy additional exclusive perks such as discounted rates, extra rewards points, and even complimentary room upgrades!

So, whether you’ve already got a credit card or are still in the midst of choosing one, here’s an overview of the best credit card hotel promotions.

Table of contents:

  • Best credit cards for hotel bookings
  • Credit card hotel promotions
    • OCBC
    • Standard Chartered
    • HSBC
    • UOB
    • DBS/POSB
    • CIMB
    • Mastercard
    • Visa
    • American Express
  • Credit card promotions with online travel agencies
    • Agoda
    • Booking.com
    • Hotels.com
    • Expedia
    • Klook
  • Credit card hacks when booking hotels
  • General hacks when booking hotels
  • Frequently Asked Question (FAQs)

Compare Best Travel Credit Cards

Best credit cards for hotel bookings

Credit card

Earn rate

UOB Lady’s/Lady’s Solitaire CardBest Credit Card Hotel Promotions and Discounts 2024 (1)

4 miles per dollar on hotel bookings (must select Travel as bonus category)

DBS Woman’s World MastercardBest Credit Card Hotel Promotions and Discounts 2024 (2)

4 miles per dollar on bookings made online

UOB Preferred Platinum Visa CardBest Credit Card Hotel Promotions and Discounts 2024 (3)

4 miles per dollar on bookings made via mobile contactless payments

UOB Visa Signature CardBest Credit Card Hotel Promotions and Discounts 2024 (4)

4 miles per dollar on bookings made via mobile contactless/physical card payments

UOB KrisFlyer Credit CardBest Credit Card Hotel Promotions and Discounts 2024 (5)

3 miles per dollar on online travel

UOB PRVI Miles Card Best Credit Card Hotel Promotions and Discounts 2024 (6)

1.4 miles per dollar for local spend, 2.4 miles for overseas spend


6 miles per dollar for hotels booked on Agoda, Expedia, and UOB Travel via respective dedicated links.

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Credit card hotel promotions

OCBC credit card hotel promotions

OCBC credit cards might become your favourite travel companion with its many deals and offers. We’re talking up to 35% off hotel stays in China, Malaysia, Singapore, Indonesia, and more! The cherry on top here is that nearly all travel-related offers are available to all OCBC credit card holders, regardless of which credit card you own.

Credit card

Promotion

Details

All OCBC credit cards

Agoda

18% off accommodation worldwide for bookings made via this dedicated Agoda link (capped at S$40 per booking)

Book by 30 June 2024

Klook

S$10 off with a min. spend of S$150 sitewide for bookings made through the Klook app or Klook website

Use promo code: OCBC<YR>10OFF<MTH> (e.g. OCBC2410OFFAUG)

Valid for bookings made from now till 31 January 2025

Booking.com

Earn up to 10% Booking.com Wallet Credits on accommodation bookings via this linkValid for book dates from 5 March 2024 to 31 March 2026

Various hotels in Singapore

Up to 35% off on selected room rates, stay 3 days pay 2 nights, F&B discounts, etc.

OCBC 90°N card, including supplementary cardsBest Credit Card Hotel Promotions and Discounts 2024 (7)

Agoda

Up to 7 Miles per S$1 spent on accommodations worldwide when you book through this OCBC link.


Booking period: from now till 30 November 2024

Stay period: Now till 31 December 2024

All OCBC Mastercard credit cards

Booking.com

Earn 16% Booking.com wallet credits on accommodation bookings (capped at US$50)

Bookings must be made via this linkValid from now till 30 September 2024; travel period from now till 31 December 2024

Hotels.com

8% off selected hotel bookings

Book via this OCBC link with coupon code: MCSG8

Offer valid till 31 January 2025

All OCBC Visa credit cards

Expedia

8% off selected hotel bookings with the promo code: “VISAYRO”

Book from now till 31 December 2024. Valid for stay period from now till 30 June 2025

Standard Chartered credit cards

Fancy a free one-night’s stay at Pan Pacific hotels? Or cashback on your IHG hotel stays? Well, look no further than Standard Chartered credit cards. Via the Good Life Priviledges, all Standard Chartered Mastercard credit card holders are entitled to attractive deals for hotels in the UK, South Korea, Thailand, and even Maldives!

Credit card

Promotion

Details

All Standard Chartered Mastercard credit cards

InterContinental Maldives Maamunagau Resort

Stay 4 nights and pay for 3 nights with daily breakfast (complimentary 1 night stay)

Valid till 31 July 2024

Park Hyatt Maldives Hadahaa

One night free for the 5th night, minimum 5 night stay required

Bookings from 1 July 2023 to 30 June 2024, both dates inclusive. Blackout dates are from 10 Dec 2023 to 10 Jan 2024

Valid till 30 June 2024

Standard Chartered SimplyCash credit cardBest Credit Card Hotel Promotions and Discounts 2024 (8)

IHG-Luxury & Lifestyle Collection, UK

Get £30 cash back with a min. spend of £500 or more at IHG -Luxury & Lifestyle Collection, (UK), via Standard Chartered link


Valid till 30 June 2024

IHG Hotels & Resorts, South Korea

Receive 3% cash back with a min. spend of 1,500,000 in IHG Hotels & Resorts In Korea

Valid till 30 June 2024

IHG Hotels & Resorts, Thailand

Receive 3% cash back (capped at THB 1,050) with a min. spend of THB 35,000 or more at IHG Hotels & Resorts In Thailand

Valid till 30 June 2024

IHG Hotels & Resorts (UK)

Get £30 cash back with a min. spend of £500 or more at IHG Hotels-Premium Collection (UK)

Valid till 30 June 2024

Pan Pacific Hotels and Resorts

Complimentary one-night’s stay

Bookings must be made through this link

Valid till 31 Jan 2025

HSBC credit cards

HSBC offers up to 20% off on Singapore hotel stays, including . Pan Pacific, Oasia, and PARKROYAL, and up to 25% discount for other hotels worldwide. Here’s to enjoying discounted stays in various hotels across Singapore, Vietnam, the USA, and more.

Credit card

Promotion

Details

All HSBC credit cards

Agoda

15% off worldwide hotel bookings (capped at S$40)

Bookings must be made via this dedicated HSBC link

Booking period: 15 January to 29 February 2024, 1 to 31 April 2024, 1 June to 31 July 2024, 1 to 30 September 2024, 1 November to 31 December 2024

Stay period: Now to 30 June 2025

Booking.com

Earn up to 10% Booking.com Wallet Credits on accommodation bookings

Book via this dedicated HSBC link

Book Period: now to 30 June 2024

Stay Period: now till 30 September 2024

Expedia

S$85 off selected hotel bookings with a minimum net spend of S$700. Claim offer here.

Available for HSBC Premier Mastercard holders only

Booking period: from 1 January until 31 December 2024

Travel period: from 1 January until 30 June 2025

Expedia

8% off on hotel bookings

Book via this HSBC dedicated link, use promo code: “HSBCSG8”

Programme period: 1 January 2024 to 31 December 2024

Travel period: 1 January 2024 to 30 June 2025

Hotels.com

8% off on worldwide hotel bookings

Bookings must be made through HSBC dedicated link

Traveloka

S$50 off on S$500 min. spend on hotels

Various hotels

Up to 25% off, etc.

All HSBC Mastercard credit cards

Booking.com

Earn 16% in Booking.com (capped at US$50) on selected worldwide properties

UOB credit cards

UOB credit card holders have multiple deals to snag as well! One such offer would be up to 20% off at all Pan Pacific hotels, regardless of location. Pay only a fraction of the total price while enjoying your stay to the fullest.

Credit card

Promotion

Details

All UOB credit cards

Agoda

7% off on hotel bookings

Hotels.com

8% off hotel bookings

Expedia

8% off on hotel bookings

Various hotels

Up to 20% off on room rates, etc.

UOB Visa Classic, Visa Gold, Visa Platinum, Visa Signature, and Visa Infinite credit cardsBest Credit Card Hotel Promotions and Discounts 2024 (9)

Booking.com

10% cashback on accommodation bookings

DBS/POSB credit cards

DBS credit cards seem to be ideal for holidays in Bintan, Indonesia. In fact, you can receive 25% off the best available rate and a free 60-minute massage for two when you choose to stay at Cassia Bintan or Banyan Tree Bintan. You can also enjoy three months of complimentary elite membership on HoteLux, which includes perks such as daily breakfast and even free room upgrades.

Credit card

Promotion

Details

All DBS/POSB credit cards

Banyan Tree Bintan

25% off best available rate

Cassia Bintan

25% off best available rate

Hotelux

3 months Elite membership that includes benefits such as complimentary breakfast and complimentary room upgrades (subject to availability)

Expedia

DBS points are worth 2x more when on hotel bookings via Expedia.

Flexible monthly instalment plans are also available as part of the DBS My Preferred Payment Plan

DBS Altitude cardBest Credit Card Hotel Promotions and Discounts 2024 (10)

Expedia

Earn up to 1.3 miles per dollar on hotel bookings

CIMB credit cards

Although slightly lacking in offerings, CIMB also offers a great deal: all CIMB credit card holders are eligible to receive 20% off the best available rate for a room of their choice in Dorsett Singapore.

Credit card

Promotion

Details

All CIMB credit cards

Dorsett Singapore

20% off best available rate

Mastercard credit cards

If you are a cashback lover, you might find your match with a Mastercard credit card.

Mastercard credit card holders can receive cashback with over 350 merchants overseas, many of which are hotels and resorts. Some notable names include JW Marriott Bangkok, Mandarin Oriental Paris, Conrad Hong Kong, and the Ritz-Carlton in Bali, so you are truly spoiled for choice! Maybank Mastercard cardholders are eligible for the same offers as well.

Credit card

Promotion

Details

All Mastercard credit cards

Booking.com

4% cashback on hotel bookings

Hotels.com

Up to 4% cashback on hotel bookings

Expedia

6% cashback on hotel bookings

Klook Asia

Up to 5% cashback

AsiaYo

6% cashback on each purchase, including hotel bookings

KKday Asia

3% cashback on each purchase, including hotel bookings

Trip.com

Up to 8% cashback on hotel reservations

Agoda

Up to 12% discount (capped at US$50)

Various hotels

Up to 20% cashback, etc.

Visa Credit Cards

Card provider Visa offers exclusive hotel deals as well! Does 20% off at all IHG properties across the Asia Pacific region sound good? Well, you get access to similar deals and more when you make a hotel reservation using your VISA card. Other exciting offers include 20% off on selected Frasers Hospitality properties as well as up to 15% off on booking with third-party websites such as Agoda and Hotels.com.

Credit card

Promotion

Details

All Visa credit cards

Agoda

5% off with hotel bookings

Hotels.com

Up to 8% off on hotel bookings

Booking.com

Earn up to 15% Booking.com Wallet Credits on accommodation bookings

Klook

15% off sitewide (capped at S$10) with min. spend of S$50

Various hotels

Up to 20% off on room rates, free one-night’s stay, complimentary upgrades, etc.

American Express credit cards

American Express offers by far the greatest number of offers and hotel deals out of all the banks and card providers on this list. Not only does American Express provide sizable discounts on hotel reservation websites, but one can also enjoy up to 50% in discounts as well as additional resort credits in over 150 hotels across Asia.

Credit card

Promotion

Details

All American Express credit cards

Agoda

Additional 7% off on accommodations worldwide

BlackBook Travels

Up to 18% off on hotels worldwide

Expedia

8% off eligible hotel bookings worldwide

Hotels.com

Additional 8% off first eligible room booking

Klook

15% off (capped at S$30) with min. spend of S$160 on hotels

12% off (capped at S$70) with min. spend of S$400 on hotels

Various hotels

Up to 50% off, special rates, buy one night get one night free, etc.

Best Credit Card Hotel Promotions and Discounts 2024 (11)

SingSaver Exclusive Offer: Get 40,000 Max Miles (worth a one-way Business Class to Japan/Korea) or S$800 Cash when you successfully apply for a Citigold Account and make a S$250,000 deposit within 3 months of account opening and maintain these funds until gift fulfilment. Also, apply through SingSaver and enjoy 3.0% p.a. on a 6-month SGD Time Deposit. Valid till 30 June 2024. T&Cs apply.

Plus, get additional welcome rewards on top of the above offer (T&Cs apply):

- Get additional S$100 Cash Reward from Citibank when you complete an Investment Risk Profile and Fact Find
- Get additional S$100 Cash Reward from Citibank when you hold a valid Primary Citibank Credit Card
- Get additional S$500 Cash Reward from Citibank when you apply for a Citibank Mortgage loan with min. loan size of - S$800,000 within 3 months of account opening
- Get additional S$250 Cash Reward for every S$50K purchase of investment and/or insurance from Citibank

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Credit card promotions with online travel agencies

If you prefer turning to external websites such as Agoda or Expedia for hotel reservations, the vast majority of credit cards can also help you gain discounts with Online Travel Agencies.

Agoda

Credit card

Promotion details

All OCBC credit cards

18% off accommodation worldwide
(capped at S$40 per booking)

OCBC 90°N card, including supplementary cardsBest Credit Card Hotel Promotions and Discounts 2024 (12)

Up to 7 miles per dollar spent on accommodations worldwide

All HSBC credit cards

15% off worldwide hotel bookings (capped at S$40)

All UOB credit cards

7% off on hotel bookings

All Mastercard credit cards

Up to 12% discount (capped at US$50)

All Visa credit cards

5% off with hotel bookings

All American Express credit cards

Additional 7% off on accommodations worldwide

Booking.com

Credit card

Promotion details

All OCBC credit cards

Earn up to 10% Booking.com Wallet Credits on accommodation bookings

All OCBC Mastercard credit cards

Earn 16% Booking.com Wallet Credits on accommodation bookings (capped at US$50)

All HSBC credit cards

Earn up to 10% Booking.com Wallet Credits on accommodation bookings.

All HSBC Mastercard credit cards

Earn 16% Booking.com Wallet Credits (capped at US$50) on selected worldwide properties

UOB Visa Classic, Visa Gold, Visa Platinum, Visa Signature, and Visa Infinite credit cards Best Credit Card Hotel Promotions and Discounts 2024 (13)

10% cashback on accommodation bookings

All Mastercard credit cards

4% cashback on hotel bookings

All Visa credit cards

Earn up to 15% Booking.com Wallet Credits on accommodation bookings

Hotels.com

Credit card

Promotion details

All OCBC Mastercard credit cards

8% off selected hotel bookings

All HSBC credit cards

8% off on worldwide hotel bookings

All UOB credit cards

8% off hotel bookings

All Mastercard credit cards

Up to 4% cashback on hotel bookings

All American Express credit cards

Additional 8% off first eligible room booking

Expedia

Credit card

Promotion details

All OCBC Visa credit cards

8% off selected hotel bookings

All HSBC credit cards

S$85 off selected hotel bookings with minimum net spend of S$700

All HSBC credit cards

8% off on hotel bookings

All UOB credit cards

8% off on hotel bookings

All DBS/POSB credit cards

DBS points are worth 2x more when on hotel bookings via Expedia.

Flexible monthly instalment plans are also available as part of the DBS My Preferred Payment Plan

DBS Altitude cardBest Credit Card Hotel Promotions and Discounts 2024 (14)

Earn up to 1.3 miles per dollar on hotel bookings

All Mastercard credit cards

6% cashback on hotel bookings

All American Express credit cards

8% off eligible hotel bookings worldwide

Klook

Credit card

Promotion details

All OCBC credit cards

S$10 off with a min. spend of S$150 sitewide

All Mastercard credit cards

Up to 5% cashback

All Visa credit cards

15% off sitewide (capped at S$10) with min. spend of S$50

All American Express credit cards

15% off (capped at S$30) with min. spend of S$160 on hotels


12% off (capped at S$70) with min. spend of S$400 on hotels

Amex Singapore Airlines KrisFlyer Ascend Credit Card Welcome Gift:

For New-to-American Express Card Members: Receive S$300 eCapitaVouchers and up to 17,000 KrisFlyer Miles (enough to redeem a return trip to Bali) when you pay the annual fee and make a minimum spend of S$1,000 within the first month of card approval. Valid till 30 June 2024. T&Cs apply.

For Existing American Express Card Members: Receive up to 24,000 KrisFlyer Miles (enough to redeem a return trip to Bali) when you pay the annual fee and make a minimum spend of S$1,000 within the first month of card approval. Valid till 30 June 2024.T&Cs apply.

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Credit card hacks when booking hotels

While the biggest credit card hack is to simply check for any deals your bank or card provider has to offer, rewards and airmiles credit card owners can also try using rewards points or miles to redeem available hotel deals. One such instance would be Singapore Airlines’ Infinite Journeys programme, which allows KrisFlyer members to convert KrisFlyer miles to Shangri-La Circle Points. These points can then be used to get discounted room rates at Shangri-La hotels.

You may also be able to reap more rewards points when using a rewards credit card, with travel rewards cards being especially useful in such circ*mstances. An American Express Platinum credit card holder, for example, would receive 5X on prepaid hotels when booking through American Express travel.

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General hacks when booking hotels

There are multiple methods that can be used to get the best deal on accommodation. You can try using one or a combination of the methods listed below to get the best rates on your hotel stay:

  • Compare numerous sites and deals: Before booking accommodation, look up the same hotel and type of room on multiple websites, including OTA websites and the website of the hotel itself to source the cheapest offer. Certain sites, such as Agoda, tend to have regular ‘Night Owl’ sales and deals when you book a hotel past 8:00 PM. You can also search online for coupons or promo codes for your chosen website or hotel.
  • Join a hotel chain’s loyalty programme: Being a member of a hotel chain’s loyalty programme can bring multiple long-term benefits: you get rewarded for every hotel stay and in turn, can use those rewards for complimentary room upgrades and discounts on dining and other amenities. You are also entitled to welcome bonuses and exclusive perks as a loyalty programme member.
  • Choose non-refundable rates: booking non-refundable accommodation allows you to book a room for up to S$15 less per night than a refundable booking. Of course, you will not receive a refund should you cancel your reservation, but if your travel plans are certain, this could be an avenue worth considering.
  • Subscribe to a hotel’s newsletter: Believe it or not, you might just stumble upon an excellent hotel deal in your inbox one day. Most hotels, if not all, use a newsletter to promote new discounts or offers, many of which go largely unknownunless you’re a part of their mailing list, that is.

UOB Credit Card Welcome Offer:Receive S$350 Cash Creditor up to 50,000 miles when you apply for select UOB credit cards and fulfil the minimum spending requirements. Valid till 30 June 2024. T&Cs apply.

Apply For Your UOB Credit Card Now!

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Frequently Asked Questions (FAQs)

Q: Is it better to book hotel rooms with a credit card?

Booking hotel rooms with credit cards does open the door for more benefits. Not only can you claim deals and discounts offered by the bank or credit card provider, but you also stand to earn reward points or miles on your hotel stay, which can help discount future purchases.

Credit card payments are generally safer as well, as any problems incurred during payment concern the bank or credit card provider in question as well.

Q: How do I get the best discount on a hotel?

As mentioned above, certain hacks that can be used to source discounts and similar deals would be to join hotel chain loyalty programmes, subscribe to a hotel’s newsletter, sign up for a hotel chain’s credit card, and compare multiple websites.

Methods of reducing the price of your stay include choosing non-refundable rates, and using rewards points or air miles to cover your hotel-related expenses.

Q: What are the benefits of using hotel credit cards?

With a hotel credit card, you can enjoy benefits such as extra rewards points, free stays, discounts at the hotel’s F&B outlets, and no foreign transaction fees.

Q: Do I need a credit card for a hotel?

No. It is not necessary to make hotel payments using credit cards. You can use a debit card, digital wallets, rewards points, airmiles, and in rare cases, even cryptocurrency.

Read these next:

Best Credit Card Hotel Promotions and Discounts 2024 (2024)

FAQs

Best Credit Card Hotel Promotions and Discounts 2024? ›

The best time of year for credit card offers is the fourth quarter of the year, October through December. During most years in the past decade, the average credit card bonus has been highest in the fourth quarter, and the second half of the year has historically been better than the first half.

What time of year do credit cards have the best offers? ›

The best time of year for credit card offers is the fourth quarter of the year, October through December. During most years in the past decade, the average credit card bonus has been highest in the fourth quarter, and the second half of the year has historically been better than the first half.

What credit score do you need for a hotel credit card? ›

Know your FICO® Score

Hotel cards often require good to excellent credit—at least 670.

What is the easiest hotel credit card to get? ›

Easy approval hotel credit cards
  • Marriott Bonvoy Bold® Credit Card. ...
  • Marriott Bonvoy Boundless® Credit Card. ...
  • The World of Hyatt Credit Card. ...
  • IHG One Rewards Premier Credit Card. ...
  • Hilton Honors American Express Card. ...
  • Chase Sapphire Preferred® Card. ...
  • Capital One Venture Rewards Credit Card. ...
  • Citi Strata Premier℠ Card.
May 16, 2024

Is Chase Sapphire Preferred worth it? ›

Yes, the Chase Sapphire Preferred® Card is worth it, especially if you travel frequently. It's an ideal card if you're looking to get a travel card without spending hundreds of dollars per year on fees, and the benefits it offers can easily offset the $95 annual fee if you take full advantage of them.

What is the 5 24 rule for Chase? ›

The 5/24 rule is an unofficial policy that dictates that Chase won't approve you for its cards if you've opened five or more personal credit card accounts from any issuer in the last 24 months. Put simply, the number of cards you've opened in the previous two years will affect your approval odds with Chase.

What is the best day of the month to pay credit card bill? ›

To avoid paying interest and late fees, you'll need to pay your bill by the due date. But if you want to improve your credit score, the best time to make a payment is probably before your statement closing date, whenever your debt-to-credit ratio begins to climb too high.

Is it better to book hotel with credit card? ›

Benefits of paying for a hotel with a credit card

Using a credit card to book your hotel stay can be a good option for both parties. The hotel may gain a senseof security, and you may have the opportunity to earn perks and benefits.

What credit score do you need for a Wyndham credit card? ›

You need a credit score of at least 700 to be approved for a Wyndham credit card, which is considered good credit. If your credit score is below the threshold needed for a Wyndham credit card, it's best to wait to apply until you meet the credit score requirement.

What does it mean when a hotel is guaranteed with a credit card? ›

If you pay for a booking at a hotel by credit card, a credit card guarantee allows the hotel to charge a cost to your credit card if you do not arrive on the day you arranged or if you damage something in the hotel. Reservations at the hotel require one night's deposit or credit card guarantee.

Which credit card gives a complimentary hotel stay? ›

The Marriott Bonvoy HDFC Bank Credit Card offers several enticing benefits, including complimentary night hotel stays, complimentary access to golf courses, and a complimentary Marriott Bonvoy Silver Elite Status. You can enjoy complimentary stays at select Marriott Bonvoy properties, based on your annual spending.

Is Chase Marriott card hard to get? ›

Although card approvals are based on multiple factors and not a credit score alone, the recommended credit score needed for Marriott Bonvoy is in the good to excellent range (690 to 850). The higher the score, the better your approval odds will be.

Does credit card have to match ID for hotel? ›

You can use any credit / debit card to make a reservation but the payment will need to be processed with a card that matches the name on the reservation.

Is it difficult to get approved for Chase Sapphire Preferred? ›

The Chase Sapphire Preferred® Card isn't a credit card for everyone — you'll need to have good to excellent credit to have a chance at getting approved. We recommend having a FICO score of at least 690 before applying for this card. If you need to wait a bit and work on your credit, it's a good idea to do that.

Which is better, Chase Sapphire Reserve or Preferred? ›

While the Sapphire Reserve offers a higher redemption rate for travel purchased through the Chase portal than the Sapphire Preferred (50% more value for points vs. 25%), those who want to earn more rewards on their everyday spending should consider the Preferred.

What salary do you need for Sapphire Preferred? ›

Chase doesn't publicly disclose any income requirements, but personal data points indicate you usually need an annual income of at least $30,000 to have good approval odds. You can include your taxable and non-taxable income to have an easier time qualifying for the card and getting a higher credit limit.

Is there a best time of year to get a new credit card? ›

While credit card issuers may offer more promotions or bonuses at certain times of the year, these offers shouldn't be the primary reason for your decision to apply. In general, the best time to apply for a new credit card is typically based on your personal financial circ*mstances and needs instead.

What dates are important for credit cards? ›

A quick look at the billing cycle
  • The statement date. Once a month, your card issuer compiles all the activity on your card account and generates your statement. ...
  • The due date. This is the date by which you must pay at least the minimum amount due. ...
  • The reporting date.
May 28, 2024

What day of the month do credit cards charge interest? ›

Most credit cards provide an interest-free grace period of around 21 days starting from the day your monthly statement is generated, to the day your payment is due. However, if you don't pay it during that time, an interest charge will go into affect and you will end up with a balance that rolls over to the next month.

When should I buy my credit card? ›

Financial experts recommend young people start building credit as soon as possible. A good time to apply for a credit card is when you turn 18, since that's the minimum age requirement for opening your first card. College student credit cards are a smart choice for students looking to establish credit.

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