If you’re planning a summer holiday, you probably intend to use your credit card for at least something. Maybe you’ll use it to rent a car or book your flight or hotel room online or over the phone. But do you plan to actually finance anything with your credit card while on holiday (paying the bill off over time), or do you expect to use your credit cards mostly for rewards points (like with the American Express Gold Ascent credit card) and pay them off immediately?

Even if it’s not an ideal option, it’s not terribly uncommon for people to finance a holiday with at least one credit card, paying it off over the year. A better option is to save the equivalent of those payments before your trip so you can pay off the bill in full (without interest). However, some consumers will still choose to finance their holiday. Maybe that includes you. If so, you should at least go into that decision with a good idea of the types of holiday expenses you’ll end up financing so you can more accurately set a budget based on not only how much the trip will cost, but how much you’ll pay in interest as you pay off that total over time.

Here are some holiday expenses you might end up financing with a credit card:

1. Flights and Other Transportation

You have to get to your destination and you have to get around when you’re there. That includes your flight or other transportation to get there, a car rental when you’re there if necessary, taxis or other rides to and from the airport, or even public transportation costs if you’ll be staying in a city where that’s an option for getting around.

2. Hotel Room or Other Accommodations

Once you get to your holiday destination you also need a place to stay. Your hotel can be a big expense. Don’t forget to factor in any extras you might end up paying when you’re there, including tips.

3. Meals

You also have to eat while you’re on holiday. At home that might not be a huge expense because you can buy groceries and make economical meals. When travelling, you might eat out more often, and those costs can really accumulate especially if you’re feeding an entire family while away. If you can get a hotel suite with kitchen facilities so you can make some of your own meals, it might help you cut some costs.

4. Entertainment

A holiday probably won’t be very enjoyable if you spend it tucked away in your hotel room all day. You need something to do. Whether you plan to visit tourist attractions, amusement parks, shows, or enjoy other forms of entertainment, it all usually comes at a cost (and sometimes a significant one).

These are examples of some of the bigger holiday expenses you might end up financing with your credit card. If you want to save money on interest payments, one approach might be to follow the same rules you normally would — don’t finance meals for example. Pay for those smaller expenses (the things with no real lasting value once used up) with cash and leave the financing for the larger expenses during your trip.