The holiday season is notorious for not only being the most wonderful time of the year but also the most expensive—especially when it comes to last-minute airfare. But fear not; there are savvy ways to navigate this high-demand period without breaking the bank. As a credit card expert who has honed the art of traveling on a budget, I’m here to share some insider hacks that will save you money on those otherwise costly flights.

Firstly, leverage credit card sign-up bonuses and rewards. Many cards offer substantial points or miles bonuses when you spend a certain amount within the first few months. If timed well, these bonuses can be redeemed for free or reduced-cost flights right when you need them. Always look out for cards with travel perks and prioritize ones without foreign transaction fees if you’re heading abroad.

Another game-changer is being flexible with your travel dates and airports. Sometimes departing a day earlier or returning a day later can cut costs significantly. Moreover, consider alternative airports—flying into a smaller, nearby airport instead of a major hub can lead to substantial savings.

Many credit cards offer travel portals where you can book flights directly with points—and sometimes these portals offer discounted prices exclusive to card members. Keep an eye out for these deals as your holiday travel approaches.

Furthermore, keep track of flight prices by setting up alerts on various travel comparison sites. When you spot a price drop, act swiftly—airlines often sell limited seats at the lowest rates. Being on alert means you can snag those deals fast.

Don’t overlook cashback deals and shopping portals linked to your credit card. Purchasing airfare through these portals can earn additional points or cashback that accumulates directly as credit card rewards, cushioning the dent in your wallet.

Lastly, companion fares are an underutilized trick in the traveler’s book. Certain credit cards offer companion tickets as part of their benefits; this means you could get a discounted or even free ticket for your travel buddy—ideal when planning last-minute holiday trips.

Using these strategic approaches not only require diligent research and timing but also smart use of the rewards and benefits offered by your credit cards. Turn those points into flights, and let airline miles lift your holiday spirits without weighing down your finances. Happy travels!