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If there was one thing my mom taught me about traveling outside the United States, it was to get a card without foreign transaction fees. She had a card from Capital One back in the day, which was one of the first issuers to abandon these pesky fees.
Nowadays, there are so many more cards for international travelers to choose from — my card comes with airport lounge access, travel credits, and the ability to quickly earn rewards toward free flights.
So if you’re getting ready to explore foreign lands, keep reading. We’ve selected the six best credit card offers for traveling abroad.
|Best For||Card Name|
|Serious Travelers||Chase Sapphire Reserve® (Review)|
|Occasional Travelers||Chase Sapphire Preferred® Card (Review)|
|No Annual Fee||Capital One VentureOne Rewards Credit Card (Review)|
|Flat-Rate Rewards||Capital One Venture Rewards Credit Card (Review)|
|Foodies||U.S. Bank Altitude® Go Visa Signature® Card (Review)|
|Debit Cards||Schwab Bank Visa® Platinum Debit Card|
I’d confidently call the Reserve the best card for foreign travel. It’s become such a staple in my wallet that I’ve canceled all my other cards.
Not only does it earn generous rewards — more than many co-branded cards, even — but it also comes with a slew of travel perks. While the $550 annual fee is eye-popping, avid road warriors will quickly make up for it with the $300 annual credit on travel purchases, which effectively reduces the annual fee to $250.
|Introductory Bonus Offer|
Read more in our 2021 Review: Chase Sapphire Reserve – the Best Premium Travel Card?.
If you’re not a hardcore traveler who needs all the bells and whistles of the Reserve, the Preferred is a fantastic alternative. (It’s what I had before I got the Reserve and promptly forgot about all other credit cards.)
It earns solid rewards, and like the Reserve, has great travel and car rental insurance. For $95, its fee is much easier to swallow, making it a good choice for people who travel less frequently.
|Introductory Bonus Offer|
Read more in our Review of the Chase Sapphire Preferred Card.
Both Chase cards earn Ultimate Rewards points, which can be transferred at a 1:1 ratio to more than a dozen hotel and airline partners. For more details, jump to the rewards section below.
Unless you’re traveling several times a year, you probably don’t need a travel rewards card like the Chase options above. You’d be better off getting a card with a lower annual fee.
Cash back cards are one consideration — but if you plan to travel abroad regularly (say, once a year), it’s worth getting a card with no foreign transaction fees.
We like this Capital One card because it has no annual fee and no foreign transaction fees.
Read more in our Review of the Capital One VentureOne Rewards Credit Card.
Want to get out and see the world, but don’t currently spend that much money on travel and dining? Then take a look at this card, which earns 2X miles everywhere you spend (think: gas stations, grocery stores, pharmacies, etc.), making it a smart choice for aspiring globetrotters.
Once you’ve racked up your miles — which won’t be too hard, given the welcome bonus — you can transfer them to more than a dozen airline partners.
Read more in our 2021 Review: Capital One Venture Rewards Card – A Hotel Card for You?.
Bon appétit! If you’re seeking a no-fee credit card that also earns rewards on the best activity in the world — EATING — then look no further.
This card earns nice rewards on dining, grocery delivery, and some other expenses, and has the added bonus of no foreign transaction fees. You’ll also get a nice long introductory 0% rate on both purchases and balance transfers.
|Introductory Bonus Offer|
Okay, okay, so this clearly isn’t a credit card, but it deserves a spot in your wallet anyway. No matter where you travel, you’ll need a little bit of cash, and the best place to get it is at an ATM. (Those money exchange booths don’t offer great rates, and travelers checks have gone the way of the dodo.)
That said, you should never use a credit card at an ATM, as it comes with an onslaught of fees. You should instead use a travel-friendly debit card.
In my opinion, this one reigns supreme. I’ve had it for a decade, and have convinced half my friends to sign up, as well.
Here’s why: It doesn’t charge ATM fees, so you never have to worry about whether an ATM is in- or out-of-network — and even better, it refunds the fees charged by other ATMs. It also has zero monthly fees and excellent customer service.
Read more about the Schwab Bank Visa® Platinum Debit Card.
While you should always use your debit card at ATMs, you should use your credit card for purchases at stores and restaurants. That’s because, in case of fraud or theft, your credit card will offer better protections.
As you can see, we only included general travel rewards cards in the list above. Because these cards earn points or miles that can be redeemed with a variety of partners, they’re the most flexible and useful for the everyday traveler.
If you’re loyal to a hotel or airline, however, you might find better value with a co-branded card whose points are best used at that particular chain. Not only do these come with high earning capability, but they also come with special travel perks.
With airline credit cards, you’ll usually get free checked bags and priority boarding; with hotel cards, you might get free nights or elite status in hotel loyalty programs. Some good examples include the Hilton, United, and Southwest credit cards.
Alternatively, if you aren’t going to travel overseas, you might fare better with a cash back card like the Citi® Double Cash Card – 18 month BT offer (Review). These cards often come with lower fees, and earn straightforward cash back on every purchase that you can redeem for statement credits.
Here are nine things you should look for when you’re planning on using a credit card internationally.
Most credit cards charge foreign transaction fees, which equate to around 3% of any purchase made in a currency other than U.S. dollars.
So, on an international trip where you charged €3,000 to your card, you’d pay €90 in fees. Alternatively, you could get a card without foreign transaction fees (like the options mentioned above), and use that €90 to enjoy one more dinner at that cozy French bistro, complete with a nice bottle of Cab.
Having a card that’s chip-and-PIN enabled — and with contactless capability — is a good idea, as these technologies are much more common abroad. There’s a decent selection of PIN-enabled cards today, and many now come equipped with contactless tech, so if your card isn’t expiring for a while, ask your issuer if it can send you an updated version.
When it comes to going abroad, all cards are not created equally: Certain credit card companies are much more widely accepted than others.
For example, a Discover card in Europe is nothing more than a wallet decoration, as few shops will accept it. On the other hand, you can go pretty much anywhere in the world with Visa or Mastercard.
While American Express cards are accepted more widely than Discover, they’re still infinitely less ubiquitous than Visa or Mastercard. You’ll be able to use them at international chains, as well as restaurants and hotels in tourist hotspots, but we wouldn’t call them reliable.
If you really want a card that runs on the Amex network, two solid travel cards are The Platinum Card® from American Express (Review) (Rates & Fees), which is a luxury card with plum benefits, and the Wells Fargo Propel American Express® card (Review), which offers 3X points per dollar on a range of categories — including dining, gas, transit, flights, hotels, and “popular streaming services” — for no annual fee. Just make sure that, if you’re traveling abroad with Amex or Discover, you also keep a Visa or Mastercard in your wallet as backup.
If you make a purchase in Thai Baht, it’ll show up on your credit card statement in U.S. dollars. That’s because your payment network (Visa, Mastercard, Amex, Discover) did the currency conversion for you.
While it won’t make a huge difference, it’s worth noting that some sources say Mastercard usually offers a slightly better exchange rate. There aren’t a ton of great Mastercard travel cards, but if this is something you care about you can check out Capital One and Citi for some pretty good options.
If a point-of-sale machine asks you to charge your purchase in dollars instead of the local currency, you should ALWAYS decline. This practice, known as “dynamic currency conversion,” is a total rip-off — and could cost you several percentage points on each purchase.
Aside from having something to swipe while abroad, one of the main reasons to get a travel credit card is to earn rewards.
Credit cards generally earn rewards in two ways: a welcome bonus when you apply and spend a certain amount, and ongoing rewards when you spend money in certain categories.
For instance, several of the cards above earn a boatload of bonus points or miles when you spend several thousand dollars in the first three months. That’s enough for almost a week’s worth of free hotel stays, or a free round-trip economy flight to most places in the world. #winning
Besides a big signup bonus, you should also look for a travel card that earns rewards in categories in which you frequently spend money, such as airfare, dining, gas, or groceries. That will help you rack up more points and miles for your next trip!
Those rewards, however, won’t do you any good unless you can easily redeem them for travel. Which is why it’s important to consider the type of points or miles you’re earning with each card.
When we were choosing the best credit cards for international travel, we looked for cards that let you transfer points and miles at a 1:1 ratio to airline or hotel partners — because that’ll get you the most bang for your buck. (For example, if you transfer 30,000 Chase Ultimate Rewards points to United, you’ll receive 30,000 United miles. You can redeem those for a free United flight, paying only the taxes and fees.)
Here’s what you’ll get for Chase and Capital One partners (current as of August 2019):
See your hometown airline on one of those lists? Then that could be a reason to choose one type of card over the other.
Dreaming of the lounge life? If you ask me, lounge access is basically the number-one reason to have a credit card.
Every time you fly, you’ll get free food and drinks, dedicated WiFi, and comfy seating. And certain credit cards give it to you for free!
From the list above, only the Chase Sapphire Reserve® (Review) comes with lounge access. It includes a Priority Pass Select membership, which gets you into more than 1,200 lounges and experiences (including free restaurant credits) around the world.
Read more about credit cards with airport lounge access.
Another way to travel in style is to become a Global Entry member. This “Trusted Traveler” program from the U.S. government allows you to bypass security lines when traveling domestically, and immigration lines when returning from a trip abroad.
Though the application costs $100 for four years, select travel cards — like the Chase Sapphire Reserve and Capital One Venture — will reimburse the fee.
You’ll note this perk is often listed as a “Global Entry/TSA PreCheck” credit. That’s because it’ll cover either program — but if you plan to travel internationally, you’ll want to go for Global Entry. It affords the same benefits as TSA PreCheck, with the added bonus of being able to skip lines at immigration.
Read more about cards with Global Entry and TSA PreCheck application fee credits.
Since hitting the road always has its ups and downs, many credit cards come with travel insurance, too.
This can encompass a range of features, including:
Read more about credit card travel insurance (and the cards that have it).
Many travel credit cards will have your back when you’re renting a car.
What you want to look for is “primary” coverage, which means you won’t need to bother your regular car insurance company if you get into an accident — and can file a claim straight with your credit card.
Again, the cards above with this feature are the Sapphire Reserve and Preferred.
Read more about the best credit cards for car rental insurance.
When you’re getting ready for your big trip overseas, make sure to pack your sunglasses, your passport… and your international credit card. By choosing any of the options above, you’ll be ready for anything that comes your way.
Our picks for the best travel credit cards available include:
PS. Once you’ve gotten the card, be sure to set a travel notice before going abroad. That way, your credit card issuer won’t view your charges as suspicious — and you won’t have to worry about your card getting declined when you’re just trying to enjoy a bowl of ramen in Japan.
Usually, yes. The four major credit card networks — Visa, Mastercard, American Express, and Discover — are accepted around the world. In many (but not all) countries, you can safely assume that most big businesses will accept cards on all four networks.
However, it’s a bit more common for merchants to accept Visa and Mastercard than American Express and Discover outside of the United States. You may be better off with a Visa or Mastercard credit card if you’re a serious international traveler.
And remember — just because you can use your card doesn’t mean you won’t be charged a fee. Choose a travel-specific credit card to avoid foreign transaction fees.
Yes! Very few travel credit cards charge a foreign transaction fee because, frankly, that’s counterintuitive.
Didn’t see the right card for you here? Browse our favorite travel rewards credit cards and you’re sure to find what you need.
Travel credit cards often deliver rewards and benefits geared toward international adventurers. Explore several of our favorites for a variety of lifestyles, whether you’re a frequent explorer, a globetrotting foodie, or a casual tourist.
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