How to travel worldwide without a credit card….Credit and travel…

Another unusual fruit for sale jn Kauai…a soursop. Soursop is the fruit of Annona muricata, a broadleaf, flowering, evergreen tree. It is native to the tropical regions of the Americas and the Caribbean and is widely propagated. It is in the same genus, Annona, as Cherimoya and is in the Annonaceae family.

As all travelers know, having a few credit cards, especially with reward programs, is a big boon, if not a must, for travelers. However, there are times in life when circumstances beyond one’s control severely impact one’s credit score, along with the ability to maintain the use of credit cards.

Credit scores have gone down in the past year. The average FICO score in the United States fell for the first time in over a decade due to the following reasons: 

  • High interest ratesHigh interest rates have made it more difficult for consumers to keep up with payments. 
  • InflationInflation has hit lower-income households harder, causing them to spend down their savings. 
  • Missed paymentsMore people have missed payments on their credit cards and other debts. 
  • Debt levelsConsumer debt levels have risen. 
  • Closed accountsClosed accounts or lower credit limits can also lower your score. 
  • Other factors include inaccurate information on your credit report and identity theft. 

With lowered credit scores, obtaining credit cards with travel-worthy credit limits, terms, and conditions may not be easy. Once this happens, when the need for travel arises, one can be in a quandary of paying for flights, hotels, and other travel venues and services.

Here are some suggestions as to how to handle such a situation when faced with booking travel:

Traveling without a credit card is entirely possible with the right preparation and mindset. While credit cards offer convenience, rewards, and security, you can still explore the world using alternative payment methods. Here’s how to make it work:

1. Use a Debit Card with No Foreign Transaction Fees

A good debit card can serve as your primary payment method. Look for one that:

  • Has low or no foreign transaction fees (Charles Schwab and Wise are good options).
  • Offers fee-free ATM withdrawals or reimburses ATM fees.
  • Has fraud protection similar to credit cards.

2. Carry a Mix of Cash in Different Currencies

  • Always have some local currency for emergencies, especially in countries where cash is king.
  • Exchange money at banks or reputable exchange offices rather than airports for better rates.
  • Use money belts or hidden pouches to keep cash secure.

3. Use Prepaid Travel Cards

  • These functions are like debit cards but allow you to load multiple currencies in advance.
  • Providers like Revolut, Wise, and Travelex offer competitive exchange rates.
  • Useful for budgeting since you can’t overspend.

4. Rely on Mobile Payment Apps

  • Many countries accept Apple Pay, Google Pay, Venmo, PayPal, and WeChat Pay.
  • Some mobile banking apps offer virtual debit cards for safer transactions.

5. Book Hotels and Flights with Debit or Alternative Methods

  • Many airlines and hotels accept PayPal, direct bank transfers, or debit cards.
  • Use booking sites like Airbnb, Booking.com, and Expedia, which often allow debit payments.
  • Consider prepaid hotel reservations to avoid deposit holds on your card.

6. Rent Cars Without a Credit Card (Tricky but Possible)

  • Some rental companies allow debit card payments with a hefty deposit and additional paperwork.
  • Renting from local agencies rather than big chains may be more straightforward.
  • An alternative is to rely on public transport, taxis, or rideshares like Uber and Lyft.

7. Use Budget-Friendly Travel Hacks

  • Overland travel (buses, trains) usually accept cash or debit cards.
  • Hostels, guesthouses, and Couchsurfing can reduce the need for deposits.
  • Meal planning avoids constant ATM withdrawals.

8. Emergency Backup Plan

  • It helps if you have a trusted friend or family member who can send you money via Western Union, MoneyGram, or PayPal.
  • Keep a small stash of USD or Euros as emergency backup cash.

Traveling without a credit card requires more planning, a mix of payment methods, and financial discipline. But it’s doable! With the right debit card, mobile payment apps, and emergency cash, you can explore the world as freely as ever.

Is worldwide travel possible without a credit card? It would be difficult and require considerable time to figure out how to pay for travel services. In those cases, obtaining a prepaid credit card to add funds from a bank account as needed would be worthwhile. A prepaid credit card A prepaid credit card (often called a prepaid debit card or prepaid travel card) is a payment card that you load with money before using it. Unlike a regular credit card, it does not offer a credit line—you can only spend the amount you’ve preloaded onto the card.

During our travels, we use credit cards to pay for almost everything. However, from time to time, as in the case of booking directly through an owner we already know and trust, we may need to use a bank transfer or other means of transferring money outside the US.

Be well.

Photo from ten years ago today, January 30, 2015:

This fruit is red rambutan, also known as hairy lychee. The rambutan is a medium-sized tropical tree in the family Sapindaceae. The name also refers to the edible fruit produced by this tree. The rambutan is native to Southeast Asia. It is closely related to several other edible tropical fruits, including the lychee, longan, pulasan, and quenepa. For more photos, please click here.

Why use Costco Travel for bookings?…Pluses and minuses…Is a membership required?…

Note: We do not receive compensation for mentioning Costco Travel

Recently, we booked four cruises through Costco Travel for several reasons, including:

  • Pricing, plus the benefit of price reductions before the final payment is made
  • Complimentary Costco Shop Cards are provided for certain bookings including cruises.
  • Annual shopping credits for spending money using membership
  • Perks acquired on Costco Citibank card
  • Ease of booking (they’ve greatly improved their phone response time).
  • Reliability with the Costco brand

See more below:

Booking travel through Costco Travel can be a great option, especially if you’re already a Costco member. Here’s why:

1. Exclusive Member-Only Deals

Costco negotiates discounts on hotels, rental cars, cruises, and vacation packages, often bundling in extras like resort credits, free breakfast, or complimentary room upgrades. These deals are only available to members, making them a great perk.

2. Added Value & Extras

Many Costco Travel packages include Costco Shop Cards, which can be used for future Costco purchases, as well as perks like free airport transfers, daily resort credits, or waived resort fees.

3. Transparent Pricing (No Hidden Fees)

Unlike some third-party travel sites, Costco Travel prices are straightforward. Taxes and fees are typically included upfront, so you won’t get hit with surprise charges later.

4. Bundled Convenience

Costco offers vacation packages that include flights, hotels, and sometimes even rental cars—saving you the hassle of booking everything separately. This can also mean better pricing than booking each component individually.

5. Rental Car Discounts

Costco Travel offers some of the best rental car rates, often including a second driver for free (which is usually an extra charge with other providers). They work with brands like Alamo, Avis, Budget, and Enterprise, giving you flexibility.

6. Strong Customer Service

Costco is known for good customer service, and its travel department is no exception. If something goes wrong with your booking, you have Costco’s backing, which can be helpful compared to dealing with an online booking site with limited support.

7. Luxury Hotel & Cruise Benefits

For those booking higher-end travel, Costco Travel often includes perks like room upgrades, late checkout, onboard cruise credits, or specialty dining packages—sometimes matching or exceeding what you’d get by booking directly with a hotel or cruise line.

8. Trust & Reliability

Costco has a reputation for vetting its vendors carefully. If a travel deal is offered through Costco, you can generally trust that it’s a good value.

Potential Downsides to Consider:

  • Limited Flight Options: If booking flights, Costco’s travel packages may not offer the same flexibility as booking directly with an airline.
  • No Loyalty Program Benefits: If you frequently earn points with hotels or airlines, you may not receive full rewards or elite status perks when booking through Costco.
  • Must Be a Costco Member: You need a Gold Star or Executive Membership to book through Costco Travel, though the savings can often justify the membership cost.

If you value simplicity, bundled deals, and extra perks, booking travel through Costco can be a fantastic option! Would you like recommendations for specific destinations?

In the past, we frequently used VacationstoGo.com, an excellent cruise booking service. However, when comparing overall benefits and pricing, Costco was a winner for us, even factoring in the price of their annual executive membership.

Be well.

Photo from ten years ago today, January 29, 2015:

The colors in the tunnels at Tunnels Beach at Napali Beach are varied. For more photos, please click here.

Fun new addition to Las Vegas family entertainment offerings…Family friendly events in Las Vegas…

Tom, standing on the dock in Hanalei, Kauai, ten years ago.

When researching travel news today, I encountered the following article, which might interest ice cream-favoring adults and families considering Las Vegas, Nevada, as a vacation option.

From this article:

“Las Vegas Is Getting a Museum of Ice Cream With Themed Hotel Suites and an Epic Ice Cream Buffet

The Museum of Ice Cream announced it’s adding to its collection of five pop-ups and five permanent locations with its largest flagship destination. By Stacey Leasca, Published on January 28, 2025

Museum of Ice Cream Las Vegas

The sprinkle pool at the Museum of Ice Cream Las Vegas. Photo: Courtesy of Museum of Ice Cream

“Love a good scoop of ice cream? Then, it’s time to book a flight to Las Vegas.

On Tuesday, the Museum of Ice Cream announced it’s adding to its collection of five pop-ups and five permanent locations with its largest flagship destination, set to open in Las Vegas in 2026. Specifically, it’s opening as the new flagship family-friendly food and beverage destination at the AREA15 immersive entertainment district, and, according to the brand, it will also be its “most ambitious location” to date. 

“AREA15 is built on immersive experiences, and Las Vegas is the Entertainment Capital of the World, making it the perfect location for the evolution of the Museum of Ice Cream. Since founding the Museum of Ice Cream, we’ve seen visionary designers like Bjarke Ingalls and Lionel Ohayon push the city into a new era of design, and we are excited to contribute to that legacy,” Maryellis Bunn, the museum’s co-founder and CEO, said. “Our Las Vegas flagship represents the pinnacle of our journey — blending design, hospitality, and participation in ways that balance family-friendly experiences by day and create a global nightlife destination by night.” 

Museum of Ice Cream Las Vegas buffet
The Ice Cream Buffet. Courtesy of Museum of Ice Cream

The Museum of Ice Cream Las Vegas, the brand added in a statement shared with Travel + Leisure, “will redefine immersive entertainment, spanning nearly 30,000 square feet — three times the size of previous locations.” Its new location will include its iconic sprinkle pools, playgrounds, an epic ice cream buffet that the company is calling “the world’s first permanent, dedicated ice cream buffet,” costume parlors, and even an ice cream cake wedding chapel. And perhaps most fun of all, visitors can sleep over in its ice cream-themed hotel suites.

“We’ve been working toward opening in Las Vegas for over five years, and this marks a pivotal moment in our brand’s growth,” said Manish Vora, co-founder and co-CEO. “It comes on the heels of eight years of growth and millions of visitors served worldwide. We have watched the city evolve with groundbreaking attractions like the Sphere, Spiegelworld, and the Golden Knights at T-Mobile Arena. To bring a permanent version of the Museum of Ice Cream to Vegas, we knew we had to elevate everything — size, interactivity, gamification, and theatrics.” 

While you can’t visit this new location just yet, you can visit one of the Museum of Ice Cream’s five permanent locations in Austin, Chicago, New York, Singapore, Miami, or Boston. You can also keep track of Vegas’ progress by signing up for updates on the Museum of Ice Cream’s website, museumoficecream.com.

Las Vegas might have a reputation as a party destination, but it also provides plenty of family-friendly venues and activities. Here are some great options:

Entertainment and Shows

  1. The Secret Garden and Dolphin Habitat at The Mirage
    • This is a magical spot where you can see dolphins, tigers, and other exotic animals up close. Kids will love the playful dolphins and learn about animal care.
  2. Tournament of Kings at Excalibur
    • A dinner show with jousting knights, sword fights, and medieval fun. It’s interactive and great for kids who enjoy a bit of action.
  3. Cirque du Soleil Shows
    • Family-friendly options like Mystère (at Treasure Island) feature acrobatics, humor, and awe-inspiring visuals.

Interactive Attractions

  1. Discovery Children’s Museum
    • This hands-on museum has interactive exhibits covering science, art, and culture. Perfect for curious little minds.
  2. Shark Reef Aquarium at Mandalay Bay
    • Walk through a tunnel surrounded by sharks, rays, and sea turtles. It’s an immersive underwater adventure.
  3. Adventuredome at Circus Circus
    • A five-acre indoor theme park with rides, games, and attractions for all ages.

Outdoor Fun

  1. Bellagio Conservatory and Fountains
    • The Conservatory’s seasonal floral displays are mesmerizing, and the fountain show is a must-see for all ages.
  2. Red Rock Canyon National Conservation Area
    • If your family enjoys hiking and nature, this is a stunning day trip destination outside the city.
  3. Springs Preserve
    • A mix of botanical gardens, museums, and interactive exhibits that explore the desert environment and Las Vegas history.

Quirky and Fun

  1. Pinball Hall of Fame
    • A massive collection of vintage pinball machines. It’s an excellent place for a nostalgic trip down memory lane for parents and fun for kids.
  2. Marvel Avengers S.T.A.T.I.O.N.
    • An interactive exhibit for superhero fans with costumes, props, and challenges inspired by the Marvel universe.
  3. Ethel M Chocolate Factory and Cactus Garden
    • Take a free self-guided tour to see how chocolates are made, then explore the desert-themed cactus garden.

Dining with a Twist

  1. Rainforest Café (at Planet Hollywood)
    • A jungle-themed restaurant with animatronic animals and thunderstorm effects that kids adore.
  2. Black Tap Craft Burgers & Crazy Shakes (at The Venetian)
    • Known for their over-the-top milkshakes, which are practically a dessert and a photo-op in one.
  3. Sugar Factory
    • Famous for its candy-themed décor and giant goblet drinks (non-alcoholic options for kids, of course!).

Of course, adults or a family can keep themselves entertained for days with the events and venues listed above. However, parents (and adults) must prepare themselves for the exorbitant costs of participating in many of these offerings. The costs per person for the above events are listed on their websites and can be easily found online.

Since Richard moved to Las Vegas, we’ve been coming here for over 35 years. We’ve seen some of these but have little interest in spending hundreds of dollars on a single event. We’d rather spend our money on wildlife, nature, and cultural adventures worldwide.

Be well.

Photo from ten years ago today, January 28, 2015:

No photo was posted on this date ten years ago. The post may be found here.

Thinking back to where we were, as Covid-19 began to hit the world…

Cloudy morning in Kauai.

As we approach the time when the pandemic began worldwide, as we were preparing to leave for India in 2020, I can’t help but easily recall the days leading to our departure from Phoenix after visiting with Tom’s sisters in Apache Junction for a few months.

Little did we know what was ahead, but according to a quote from our post on January 27, 2020, I think we’d already begun to prepare ourselves, in part, for what was yet to come. But, little did we know…

“Then, besides packing, we’re thinking a little about the Coronavirus, but not as much as some may. There have been only a few cases so far in India, and they’ve been testing all arriving passenger’s temperatures at all major airports. So far, they’ve sent 12 passengers back to China, refusing entry. Hopefully, this diligence will continue.

This morning, I purchased more wipes for our hands and surfaces that we’ll wipe down wherever we go, including the armrests and tray tables on both planes and all characters in our hotel room, including phone, remote, door handles, etc.

Today, our 100 disposable face masks will arrive from Amazon. I had difficulty finding them online, including on the Amazon site. We’d seen a news report in China where people lined up hundreds deep at a pharmacy, hoping to purchase face masks when they were almost sold out.

We’re taking every precaution and striving to be sensible and practical. However, if we had planned to visit China, then I am confident we would have felt the need to change our plans.

Last night, we hosted a happy hour for our neighbors and Tom’s family. We gathered around the outdoor table and enjoyed a few hours of lively conversation, snacks, and drinks.

Here’s what was happening with Coronavirus in January 2020:

In January 2020, COVID-19 was in its early stages and primarily concentrated in Wuhan, China, where it was first identified in December 2019. Here’s a brief overview of the situation that month:

  • Early January: The first cases were linked to a seafood and live animal market in Wuhan. On January 7, Chinese authorities identified the virus as a novel coronavirus (later named SARS-CoV-2). By mid-January, China had reported dozens of cases.
  • International Spread: By late January, cases were reported outside China, including Thailand, Japan, South Korea, and the U.S. The first confirmed death occurred in Wuhan on January 11.
  • WHO’s Response: On January 30, the World Health Organization (WHO) declared COVID-19 a “Public Health Emergency of International Concern,” signaling the growing global risk.

The outbreak’s true scale was underestimated at the time due to limited testing and understanding. By the end of the month, only a handful of cases had been reported in many countries, though the virus was already spreading undetected in some areas.

We’re so happy the pandemic is hopefully behind us all.

Be well.

Photo from ten years ago today, January 27, 2015:

We posted this video ten years ago today as we first became familiar with the Laysan Albatross nesting in a neighborhood near us. For more, please click here.

For now, we’ll continue to post travel news updates that may save you time and money…

Ten years ago in Kauai, Hawaii, we began to experience the joy of watching, almost daily, the Laysan Albatross couples nesting with their single eggs, which eventually hatched while we observed the chicks growing, planning to fledge months later. It was an experience we’ll never forget.

There are only 34 days until we leave Nevada for South Africa; with little activity happening on our end as I continue to recover from this two-week virus, we don’t have a lot of news to share. I should be back to normal within a week and be able to return to working out, after which I’ll feel even better.

My son Greg and his girlfriend Heather arrive here in 11 days, and I plan to be up to the flurry of activities that will ensue while they are here for five days. Once they leave, it will only be a few weeks until we start packing and preparing to depart. The month of February will fly by.

As a result, most of our upcoming posts will consist of the latest travel news that may impact your travel experiences, expenses, and booking processes. Unfortunately, I don’t have the time and stamina right now to delve into more detailed topics. Once we settle in Marloth Park, we’ll post stories and countless photos of the world around us.  We can hardly wait.

One of our dear readers/friends, Lisa, wrote that we don’t have to be concerned about our readers judging our content. Few have said anything negative or pressured us to add more entertaining content during quiet times. Thanks, Lisa, for the vote of confidence. Of course, our goal is always to provide interesting and fun content.

For today’s bit of current travel news, this article may be of interest to those considering travel during Spring Break:

“American Airlines Has Spring Break Flight Deals to Cancun, Miami, and More — Starting at Under $200

A variety of popular destinations are available. By Michael Cappetta

Photo from ten years ago today, January 26, 2015:

Our new friend Richard gave us the gift of The Majestic Albatross by Robert Waid, a neighbor whom we later met, as we began to experience the wonder of the Laysan Albatross in Kauai. For more photos, please click here.

Updated information on ETA (electronic travel authorization) fees for the UK…

Hanalei Beach in Kauai.

On January 7, we posted new information about the UK requiring ETAs (electronic travel authorization) even when only flying through on a flight layover. This policy change would directly impact us when we fly to South Africa on March 1. See our post here.

We had noted the calendar to apply for the UK ETA in plenty of time for our upcoming flight in only 35 days. Now, we won’t have to.

Their new policy, which went into effect on January 8, 2025, received much criticism from flight passengers who never left the airport during a layover. According to the article below, the ETA for transit passenger layovers will not be required. However, all other listed requirements will remain the same.

Weirdly, the UK is proposing an increase in the ETA fees, established on January 8, as described below:

From Travel and Leisure

“The UK Is Dropping Its ETA Fee for These Specific Passengers — What to Know

It also is proposing an increase in the fee just weeks after launch. By Alison Fox

It’s been a long haul…Finally, getting better…

Our dear friend Richard, whom we met at the Makai Country Club in 2015, included us in his vast circle of friends, and in no time at all, we felt part of the local group. Richard, a retired attorney from Missouri, took pride in his huge antique desk. Richard has since passed away, and most recently, his beloved wife, Elaine, also passed. We had an amazing social life in the four months we spent in Kauai.

The most frustrating part of being sick with flu these past 11 days has been losing all the strength I’d acquired from working out since we arrived in Lake Las Vegas on December 18. I worked hard to build strength and stamina, and once I noticed the improvements, I got sick.

Sure, it entered my mind that I may have pushed myself too hard, but instead, I believe I caught it from the sick Uber driver when we went to dinner at Richard’s home weeks ago. Now, I am left with a cough and weakness. Soon, I will slowly begin to work out again and hope to rebuild my strength by the time we leave here for the airport to fly to South Africa in 37 days.

The time until we depart has passed quickly, and in a little over three weeks, I’ll start sorting and packing. Since I’ve lost weight and plan to keep it off, I have several clothing items to donate to Goodwill, along with the wheelchair I no longer need. We will call and make arrangements for pickup or drop the items off at a store next time we go out.

Yesterday, it was two weeks until son Greg and his girlfriend Heather will arrive for a visit. They will stay with Richard during their five-day visit. I am so excited to be with my sons and their significant others for the first time in many years. It’s a good thing I got sick when I did instead of when they were about to arrive.

With Tom’s help, we chopped and diced ingredients for Tom’s low-carb pizza, which we’ll cook tonight. We’re making enough for three nights. Last night, I roasted chicken thighs and legs for me, which I’ll have for the next few nights. All I have to do today is make a salad and put the ingredients on top of the two pizza crusts I made this morning.

Tom mostly cooked for himself while I was sick, while I had simple, light meals. One day, we made a batch of chicken salad for three dinners. It was easy, although I wasn’t able to do much.  At least now, I’m feeling well enough to do a few things.

Sorry, I don’t have anything exciting to write about today. Hopefully, I’ll be myself again soon and be more enthusiastic about preparing posts.

Be well.

Photo from ten years ago, January 24, 2015:

This one-lane bridge crosses over the Hanalei River in Kauai, Hawaii. For more photos, please click here.

Part 2, no passport?…Travel to These Stunning International Destinations Without One (with alternate documentation)……..

The beautiful pier in Hanalei, Kauai.

I stumbled across the following article, which may appeal to Americans (or others) who do not have a passport.

Americans without a passport can still travel to these tropical (and international) destinations. By Evie Carrick, Travel and LeisurePublished on January 22, 2025

Part 1, no passport?…Why do some Americans (or citizens of other countries) refuse to get a passport?..

United States of America passport book on a table

The reluctance of some travelers to get a passport often boils down to a combination of practicality, misconceptions, and personal preferences. Here are a few common reasons:

1. Contentment with Domestic Travel

Many people live in countries like the US, which offer diverse landscapes, cultures, and experiences within their borders. From tropical beaches to snowy mountains, domestic travel can fulfill many people’s wanderlust without international exploration.

For example, Someone living in the US might see no reason to get a passport when they can visit the Grand Canyon, New York City, and Hawaii without leaving the country.

2. Perceived Complexity or Cost

Getting a passport involves fees, paperwork, and time. The process may seem daunting or unnecessary for some if they don’t immediately need international travel.

Reflection: “Why spend money on a passport I may never use?” is a sentiment some hold, particularly if international travel feels like a distant dream.

3. Fear of the Unknown

International travel often involves navigating foreign languages, currencies, and customs. For some, this can feel overwhelming or intimidating.

Example: Someone might avoid getting a passport because they worry about culture shock or feeling out of place abroad.

4. Attachment to Routine and Comfort

Some people value the familiarity of their home environment and are hesitant to venture too far from what they know.

Reflection: “Why leave the comforts of home when everything I need is right here?” is a thought that may discourage passport applications.

5. Lack of Motivation or Time

If international travel isn’t a priority, getting a passport often falls to the bottom of the to-do list.

Example: A busy schedule or a lack of interest in far-flung destinations can make obtaining a passport feel unnecessary.

6. Misconceptions About Travel

Some might believe that international travel is only for the wealthy or adventurous, which can create a psychological barrier to obtaining a passport.

Reflection: Shifting this mindset often starts with education and exposure to stories of travelers from all walks of life.

7. Unrealized Opportunities

For those who have never experienced international travel, the value of a passport might not be immediately evident. However, once people travel abroad, they often realize how enriching it can be and wish they had started sooner.

While these reasons might make sense to those holding them, the beauty of having a passport is that it represents freedom and possibility—even if you don’t use it immediately. For those already in love with travel, encouraging someone to get a passport often starts with sharing the transformative experiences it can unlock.

Suppose you don’t have a passport and hesitate to apply for one, apprehensive of the process. In that case, you can get assistance from a passport processing company (added fees), local governmental offices, and FedEx and UPS stores (added fees).

Tomorrow, in Part 2, we will share some destinations outside the US that don’t require passports for entry. Please check back.

Be well.

Photo from ten years ago today, January 22, 2015:

The mountains in Kauai exhibit a hazy cast even on sunny days, most likely due to low-lying clouds and humidity from vegetation. For more photos, please click here.