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Table of Contents

How much does a travel agent cost?

Do travel agents get discounts on flights, how can a travel agent help me, smart money move: book with the right credit card, how do i find a good travel agent.

With a few keystrokes, you can find cheap travel deals on the web. But travel agents can do that and more.

Often, travel agents receive deals directly from hotels and tour operators that you may not have access to. They also have contacts with resorts and hotels, so they can bargain for better deals. But just how much do travel agents cost? Some people assume that travel agents are expensive, which may keep them from using their services. However, that's not necessarily true.

Regardless if you go with a travel agent or plan on your own, it can be a smart money move to book with a credit card thats earns rewards on your bookings and helps you avoid foreign transaction fees if you end up traveling abroad.

The cost of using a travel agent is generally marginal, and often, they won't charge you at all. Much of their money comes from commissions the hotels and wholesalers pay them. Before you decide to book with a travel agent, inquire whether or not they charge fees.

Also, if you’ve booked a trip with a travel agent and for whatever reason need to cancel, they might be able to help get the refund more directly.

» Learn more: How to become a travel agent

Generally not, and especially not for short distances. For the most part, any discount you'd get from using a travel agent would be for a combined package. Still, it never hurts to ask if your travel agent can get you a deal on your flight.

If you're traveling internationally — especially to a country you've never visited — a travel agent can be a useful resource in helping you plan your trip. They can manage all of your booking needs, which can be easier than juggling a long itinerary that includes flights, hotels and excursions on your own.

Group travel is another common situation that can benefit from an agent's assistance. Coordinating bookings across multiple parties can get confusing. A travel agent can keep things organized, negotiate with services and personally work out any complications that may arise. Rather than trying to reserve rooms in the same hotels and seats on the same flights with multiple credit cards and names, let a travel agent do that work.

Travel agents can also be helpful by providing destination advice. Many specialize in particular destinations and can offer insight as to how you should structure your visit. Agents can direct you to the services, facilities and entertainment that best align with your interests and needs.

» Learn more: Other things a travel agent can do that a search engine can't

Whether you decide to use a travel agent to book your trip (i.e. flights, accommodations, excursions, cruises, car rentals, etc.) or plan the whole trip on your own, consider what credit card makes the most sense for your vacation.

If you're going abroad, use a card that waives foreign transaction fees so that you can avoid those fees. Also consider credit cards that include complimentary travel insurance so that you can be protected on your trip if things go awry.

Here is a sampling of cards that include travel insurance and also waive foreign transaction fees. These cards also earn rewards on travel, which you can redeem in various ways.

on Chase's website

on American Express' website

• 5 points per $1 on travel booked through Chase.

• 3 points per $1 on dining (including eligible delivery services and takeout), select streaming services and online grocery purchases (not including Target, Walmart and wholesale clubs).

• 2 points per $1 on other travel.

• 1 point per $1 on other purchases.

• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.

• 5 points per $1 on air travel purchased through Chase.

• 3 points per $1 on other travel and dining not booked with Chase.

• 5 points per $1 on flights booked directly with airlines or with American Express Travel, on up to $500,000 spent per year.

• 5 points per $1 on prepaid hotels booked with American Express Travel.

• 1 point per $1 on other eligible purchases.

Terms apply.

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

The cards listed above all carry annual fees, especially given all the perks they provide.

If you don't care about the perks listed and simply want a card with no annual fee that waives foreign transaction fees, check out this list of options .

Several websites can help you track down and contact suitable travel agents. TravelSense.org , part of the American Society of Travel Advisors, allows you to search by some useful parameters including specialty and geographic location.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1.5%-5% Enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Up to $300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Protect Your Trip »

Is a travel agent worth it the pros and cons.

Travel experts agree there are several advantages to hiring a vacation planner.

The Pros & Cons of Using a Travel Agent

Getty Images

A travel agent can save you money and time.

Need to pivot your trip plans but don't want to deal with the extra time, money and hassle of rebooking flights and accommodations on your own? That's just one area where a knowledgeable travel agent (also commonly known as a travel advisor) can help. Read on to discover the other benefits – as well as the downsides – of using a travel agent, so you can confidently decide whether or not a travel agent is worth it for your next trip.

The Pros of Using a Travel Agent

Travel agents can save you money – and get you other perks.

"In some cases, you'll actually get a better  deal by working with a travel agent," says Jackie Steele, travel expert at MagicGuides . "This could be in the form of a cruise onboard credit (free spending money to use on the ship), access to special agency/group rates, or even just learning about a discount you qualify for but weren't aware of." The best agents will even keep an eye on new discounts as they're announced and apply them to your trip even after you've booked, he notes.

Travel agents handle all the details

Hotel room? Booked. Dinner reservations? Made. Tour tickets? Ready to go. A travel agent handles every detail of your vacation itinerary. "The traveler still gets to be involved in the fun part of dreaming up ideas and providing their travel wishes, while we take and perfect them," says Jessica Parker, founder of Trip Whisperer .

Molly McShea, owner and travel advisor at McShea Travel , points out that travel agents can also help with timing logistics. "Travel agents know how many days should be spent in each destination, which tours go together, and how many things you should do in a day," she says, adding that crafting an itinerary can be challenging if it's not something you regularly do. Additionally, travel agents can help you choose the best time to visit your preferred destination(s) based on seasonality and your budget, and sift through travel insurance policies to find the best option for your needs.

Travel agents can provide local expertise

"A travel advisor's industry connections and relationships provide added value to their clients," says Valerie Edman, a luxury travel advisor and agency owner at Cultured Travel LLC. She says when working with a travel agent, travelers gain access to a global network of connections including:

• In-destination specialists who work exclusively with travel advisors and can connect travelers with unique, off-the-beaten-path experiences they wouldn't otherwise know about
• Exclusive experiences not available to the general public

You'll avoid surprise fees

When deciding if a travel agent is worth it for you, remember this: A reputable agent can guarantee you won't encounter any surprise fees on accommodations and activities once your trip is booked.

You'll have someone to troubleshoot unexpected travel issues

A travel advisor is essentially your personal vacation concierge. "Because they've been around for so long, agents really know what to look for," says Christopher Elliott , a consumer advocate and journalist. "Travel agents are among the first to know about flight cancellations and delays , making it easy for them to rebook itineraries right away." 

The Cons of Using a Travel Agent

It might not be your cheapest option.

There are some instances when it makes more sense to plan your own trip. "If you're planning a quick flight from New York City to Los Angeles, it's easy enough to book it yourself online directly or through a third-party booking site," says Elliott. "If you're planning a once-in-a-lifetime trip or bucket list honeymoon , that's when you call the experts."

You'll have less flexibility in your itinerary

The upside of working with a travel agent is having someone plan an epic vacation for you based on industry knowledge and local expertise. But this can also be a downside in the event you discover an activity you'd like to do or a restaurant you'd like to try that isn't on your pre-planned itinerary. If you alter your plans, you risk losing money; plus, the time it takes for you and your travel agent to coordinate your change of plans may not be worth the hassle.

You still have to do some research

It's important to find an agent you can trust, which means you still have to do some of the vacation planning. For this part, Parker recommends picking up the phone. "Lots of people avoid or don't pick up the phone as much anymore," she says. "That's where you get the high-touch service, tone of voice, excitement or concerns to manage." She advises to look for the following red flags:

• No fees: " Travel advisors are charging planning fees more now or increasing them, so the client knows more confidently than ever, we work for them, not the suppliers with the best commissions," Parker explains. "There are a lot of things that are non-commissionable and the advisor's time and expertise shouldn't be given away for free, either. That's the best way to show an advisor takes their business seriously."
• Limited options: If you work with someone who is inexperienced or has an incentive to book you with a certain supplier, they may not be prioritizing your best interests. "It's important to check if they are with a larger consortia, accreditations and network, typically listed on their website and signatures," says Parker. "That level of mindshare doesn't come with a lone advisor unless they have many, many years of experience."
• Slow response times: If communication is delayed, that's a sign they may be too busy to plan your trip – but again, this is something you can avoid by having the right conversations early on.

Edman suggestes starting your search with the American Society of Travel Advisors . "ASTA-verified travel advisors are committed to the highest industry standards and have verifiable industry knowledge so consumers can feel confident in working with them," she says.

You might also be interested in:

• Is Travel Insurance Worth It?
• First-Time Cruise Tips
• Carry-on Luggage Sizes by Airline
• What to Pack in Your Carry-on Bag
• The Best Luggage Brands

Tags: Travel , Travel Tips

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13 Insider Secrets From Travel Agents That Will Save You Money

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The pandemic changed the nature of global travel more than any other event in recent history — but the nature of planning and booking travel was evolving long before the virus arrived in 2020. Today’s travelers can scour the internet for the cheapest flights, hotels rooms, cruises, and vacation packages, book their stays, and make arrangements all in the same app. 

That’s bad news for travel agents, who for generations made their livings by doing exactly that — but the industry is hardly obsolete. Annie Davis, president of Palm Beach Travel , says that Kayak, Expedia, and the rest can’t provide the specialized knowledge, local connections, or on-the-ground experience that a good travel professional delivers.

“An agent with the inside information is on a first-name basis with the hotels and restaurants at your destinations,” Davis said. “They will know when the best time to travel is to get you the most value.”

Here are 13 tips from travel agents to cut costs on airfare, accommodations and more.

1. Live Like a Local

A travel agent’s local connection can come in handy, especially for travelers hoping to avoid tourists traps. For example, Midtown Manhattan is very popular with tourists, but travel agents recommend researching restaurants and attractions popular with the people who live and work in New York City.

“The best dining and cultural experiences New York City can offer are within the neighborhoods where locals enjoy their everyday living,” said Michael Brozek, former American Express Travel destination manager for New York City. “Local restaurants and bars are what make New York City so special, and there’s so much to discover. So don’t get trapped at an overpriced chain restaurant. Go explore something different.”

Another way to save money and live like a local: Plan on walking and taking public transit where and when you can.

“Travel on foot if the distance is no longer than 20 blocks away, or grab a taxi or Uber if you’re going crosstown,” Brozek said. “But if you’re going uptown or downtown, it’s always most efficient on the subway.”

This is a great way to not only curb your spending, but lets you take in parts of the city you might not have noticed otherwise.

2. Be an Early Bird

Planning ahead can also save big bucks when traveling, and early birds can worm their way into significant deals and discounts, said Melissa da Silva, president of travel company Trafalgar USA.

“Booking with plenty of lead time can lead to huge savings for travelers,” da Silva said. “Airlines and train companies are renowned for increasing fares the closer to travel time, while guided vacation [providers] such as Trafalgar offer savings of 7.5% to 10% when booked up to a year in advance.”

Depending on the destination, planning ahead by even a few months can save upwards of 15% or more, and the savings can increase the farther ahead you plan.

“These are significant savings, representing hundreds of dollars, simply by being organized and getting in early,” da Silva said.

But this line of thinking can apply to more than just things like airfare. Isar Meitis, president of e-commerce at Turico Holidays, said that a little planning can also help time-pressed tourists avoid lines at a number of activities.

“Many tourist attractions are cheaper if you book them in advance compared to a walk-in,” Meitis said. “Plus, tickets can usually be picked up from a will call kiosk or booth, which also saves significant time.”

At Walt Disney World, for example, several resorts have rooms that  are up to 25% cheaper for Disney+ subscribers.

3. Or Play the Waiting Game

Meitis also said that those willing to be patient can also score big savings.

“Oftentimes, if cruises have a few extra rooms they need to sell before launch date, they’ll offer them at killer rates,” he said. “Check the cruise company’s website a few days before the launch or check out deal sites.”

Once the cruise leaves port, empty rooms represent unrealized revenue for cruise companies. They’d rather give passengers deep discounts and hope they make up for it in shipboard spending.

Operators like Norwegian Cruise Line offer last-minute deals on their sites. For example, spontaneous travelers willing to travel in February can save more than 60% on a five-day Western Caribbean cruise starting at $60 a night.

4. Save in Suburbia

For those who happen to be traveling with a vehicle, Meitis suggests looking into rates a bit further away from a city’s bustling center.

“Stay just outside of big cities,” he said. “You’ll find more upscale hotels for around half the price and parking will be much more reasonably priced.”

For someone traveling in March, for example, a room at the Hilton in downtown Chicago will cost at least $286. In Evanston, Ill., just under 30 miles north, however, rooms start at $98 for the same Friday night.

Longer stays, especially during weekdays, can be discounted even more, as well as help save money on other expenses like parking the vehicle you’re traveling in.

5. Opt for Homes Over Hotels

Peer-to-peer home-rental sites such as Airbnb and HomeAway have made it easier than ever for travelers who want to opt-out of a more traditional hotel room. And for those traveling with a group, renting an entire home can be a great way to save in more ways than one, Meitis said.

“If traveling with a small or large group, look into renting a vacation home,” he said. “Splitting the cost of a three- or four-bedroom home, where you aren’t forced to eat in a restaurant for three meals a day, can make a huge difference to your budget.”

6. Forgo Fridays Off

As far as three-day weekends go, however, Meitis recommends taking Monday off instead of Friday.

“Maybe my number one tip: Take Monday off instead of Friday,” he said. “Sunday is typically the cheapest night at a hotel.”

That’s particularly true if the hotel attracts business travelers. Sunday room rates tend to be a bargain over Friday even in vacation hotspots like Las Vegas, which also offers mid-week deals.

As just one illustration, rates at the MGM Grand Las Vegas start at $59 for Sundays in April vs. $229 for Friday night stays in the same month.

7. Shoulder Some Savings

While days off are typically associated with holidays, summers and occasionally spring break, travelers with more flexibility can discover new ways to save on a trip.

“Here in Central America, the seasons are flip-flopped. December through Easter is our summertime and the peak weather dates to visit,” said Rob Harper, co-owner/director of business development for Namu Travel Group, a network of luxury travel agencies in Central America.

“While August through November tends to be fairly rainy, ‘shoulder season’ months like May, June and the first three weeks of December offer the best combination of value — low prices and good weather.” There are plenty of perks to traveling in the off-season.

In November, one of the months Harper recommends, hotel rooms can be found for less than $100, with several options for less than $200 a night. In March, a peak visiting month, hotel rooms tend to start closer to $250 and go up in price from there.

8. Seek Savings Through Promotions and Packages on Multi-Day Trips

Longer stays can have other incentives baked into the overall cost, too. Incentives like a free night’s stay or various nearby excursions are often there to help entice travelers book these multi-day stays.

Harper also pointed out that many travel agencies have all-inclusive package deals to help travelers save even more.

“For travelers looking to book single-day excursions or one hotel, better deals are likely to be had direct with providers,” he said. “For those interested in longer trips — three days or more — or customized itineraries with several moving parts, discounted opportunities are much more likely online with agencies.”

9. Find Sweet Suites

Suites may be more about extra room than ultra-luxe amenities, Harper said, and scheduling one for family travel can save money — and sanity.

“Booking a room that feels more like an apartment rental with adjoining rooms and a small living space can be less expensive than simply booking two separate rooms,” he said.

For instance, two-room bungalows in Boca Chica, Panama, designed to accommodate two adults and two children for a mid-December daily rate starting as low as $150 compared with single-room bungalows that start at $200.

10. Decline Dollar Deals

Trafalgar USA’s da Silva also recommends opting for the local currency when making purchases on foreign trips whenever possible.

“Many stores, particularly those in areas heavily frequented by travelers, now offer dynamic currency conversion where you can opt to make purchases in either U.S dollars or local currency,” she said.

While it may seem easier to track your spending by paying in U.S. dollars, this could actually end up costing you an additional 5% on purchases for currency conversion. Keep your calculator close and work in local currency instead.”

This also goes for credit card purchases, at least for those carrying a card with no foreign transaction fees. Merchants who give you the option to pay in dollars will likely levy a “dynamic currency conversion” fee, which they split with the bank handling the transaction. The exact amount can vary, but paying in the local currency is typically going to be the best bet, as it will help reduce hidden expenses.

11. Don’t Book High-End Hotels Online

Generally speaking, four- and five-star hotels have those ratings for a reason. While they often house spectacular spas, restaurants, occupy prime real estate or offer all other amenities, to get the best upscale hotel experience savvy travelers are better off working with a qualified travel agent.

Palm Beach Travel’s Annie Davis said that a good agent should not only be able to broker the best rate, but also get other perks such as complimentary breakfast, resort credit, early check-in, late check-out and even room upgrades.

“Luxury hotels are getting away from wholesalers and online bookings,” Davis said. “A luxury hotel sells on experience, not by price. Because of this, most four- and five-star hotels offer better packages and overall value when you book through a reputable, not discount, travel agency.”

She pointed to Peter Island Resort & Spa in the British Virgin Islands as a prime example. “It’s one of my favorite hotels in the world for an island getaway,” Davis said. “When my clients arrive, they have a complimentary upgrade upon arrival if available, complimentary breakfast daily, a $100 spa credit or lunch on Honeymoon Beach. For the same price you see online, my clients get so much more.”

12. Book Packages Just Before and During Holiday Weekends

Instead of planning to take a trip on Labor Day or Memorial Day, try planning a future trip on one of those weekends instead. Holidays are great times to book packages and other travel deals, according to Davis, who said her agents can usually uncover upwards of $200 in savings on client vacations as airlines and other travel providers introduce holiday-themed promotions for future travel.

“Sometimes, these are very good to book in advance for peak holiday travel season like Christmas and spring break,” Davis said. “For example, I have a client who wanted to travel to the Turks and Caicos. His only time off was Labor Day weekend. We waited until a Fourth of July sale to book his package with airfare to a five-star resort. We saved him over $2,000 because he used the promotion. Lesser-known holidays are sometimes the best.”

13. Use Your Points and Miles Wisely

Davis also believes that flights are the best use for points and miles accrued through credit card spending and rewards programs, and that travel agents can help make the most of them. She cites a client who wanted to travel to the Maldives for his honeymoon.

“He had 500,000 American Express membership reward points,” Davis said. “We researched his experience. He could fly economy class and stay at a three-star property for just a few dollars [in addition to his points]. Sounds like a great deal.”

It turns out that it wasn’t, given that the property had a $100 per day resort fee. Additionally, meals would have also cost him a minimum of $1,900, and tax and transfers weren’t included, either.

“We were able to maximize his point value and fly him business class on Etihad with a complimentary stopover in Abu Dhabi, seven nights at a four-star resort with an over-the-water bungalow, transfer included, for less money than the couple would have paid if they utilized all their points for a ‘free’ honeymoon,” Davis said.

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