We think of those things as "organized tours" where your accommodations, meals, and daily destinations are all preplanned and scheduled in advance and your luggage is waiting when you get there each day. Vermont Bicycle Tours and similar organizations operate these and there are lots of them in the US. RAGBRAI, Bike Virginia, and similar "Tours" do about the same thing. For that matter, many of these are paid in advance so, in theory, you wouldn't even need to have the credit card with you.

I think of a "credit card tour" as one where you carry your own personal clothing and other items but stay in hotels/motels or with Warm Shower hosts and eat in restaurants or buy prepared food. Your route can be less defined and you don't necessarily have a schedule to keep.