Your trip is booked, your bags are packed, and you’re ready to go. Chances are the last thing on your mind is how you’re going to save money on currency conversion fees, securing pocket cash and on your foreign purchases.

These expenses can add up though and without some upfront planning, you’ll return from your holiday with a bank or credit card statement full of fees. Minimal time invested before you go can result in reducing transaction fees, avoiding overcharges for foreign travel expenses and even earning rewards while you’re traveling.

If you often travel abroad, or if you’re planning a big trip to a foreign country, you’ll need a no foreign transaction fee credit card. Don’t worry; there are a lot of options, including some of the best rewards cards available.

We are all familiar with the points and miles game. Signing up for cards with big bonuses, using specific cards for certain types of spending, staying abreast of promotions and watching out for deals on travel. However, there are some things you may not have considered when applying for a travel card or booking a flight. Things that may be important especially if you are a frequent traveler like free baggage check, lounge access, member status and other ancillary benefits.

In our series on points and miles terminology, you’ve learned about the lingo used by airlines, frequent flyer programs and for award bookings. Here are the words you need to know to maximize your points and miles earning through credit cards.