Originally Posted by
Often1
In what country?
In the US, anything above 10% means that you've got abysmally poor credit and likely shouldn't be doing leisure travel. In the UK, it is not quite that bad, but close. Someone with good credit in the US (800+) ought to be able to quite easily find a card in the 5-7% range with 30 days' grace.
The OP is based in the UK so the rates of interest in the USA are totally irrelevant to them.
Applying for extra credit cards is not always the solution some people think it is. They may not want extra credit.
And people with poor credit shouldn't do leisure travel? How very judgemental of you. Poor credit rating does not always mean the person is cash poor and shouldn't go on holiday!
OP the only way I see to get a BA holiday deposit is to book flight + hotel or flight + car and compare that to booking them separately.