How to save on holiday travel? Book at the right time with the right credit card

If you travel over the holidays, when do you start that planning? Millions book their trips before Labor Day — sometimes long before.

“I booked the hotel back in the first week of January, because if you want to stay in a certain place the rooms go really fast,” says Kimberly Moster, who’s going to Jamaica for the holidays. In March, she got her flights.

A Bankrate survey finds 1 in 5 people flying to holiday destinations were planning to book their flights before September. And about 1 in 4 (24 percent) who will stay in hotels expected to make those arrangements by now.

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