Introduction
When it comes to choosing a credit card for international travel, there are several factors to consider, including foreign transaction fees, travel rewards, acceptance abroad, and additional travel benefits. Here are some popular types of credit cards that are often considered best credit card for international travel:
Travel Rewards Credit Cards: These cards typically offer rewards points or miles for every dollar spent, which can be redeemed for flights, hotel stays, or other travel expenses. Look for cards that offer flexible redemption options and bonus points for travel-related spending.
No Foreign Transaction Fee Cards: International transaction fees can add up quickly when using a credit card abroad. Look for a card that does not charge foreign transaction fees to save money while traveling.
Chip-and-PIN Cards: In some countries, particularly in Europe, chip-and-PIN technology is more commonly used than chip-and-signature. Having a card with both chip-and-PIN capability can be helpful for compatibility with international payment systems.
Airport Lounge Access Cards: If you travel frequently and value airport lounge access, consider a credit card that offers this perk as part of its benefits package.
Travel Insurance Cards: Some credit cards offer various types of travel insurance, such as trip cancellation/interruption insurance, rental car insurance, and travel accident insurance. These can be valuable for international travel.
READ ALSO: The Best Credit Card Rewards Strategy Right Now
Airline or Hotel Co-Branded Cards: If you have a favorite airline or hotel chain, consider a co-branded credit card. These cards often offer rewards and perks specific to that brand, which can be beneficial if you frequently stay at their properties or fly with them.
Premium Travel Cards: Premium travel cards often come with higher annual fees but also offer substantial travel benefits, such as travel credits, priority boarding, TSA PreCheck or Global Entry fee reimbursement, and more.
Currency Conversion Cards: Some cards offer competitive currency conversion rates, which can save you money when making international purchases in a foreign currency.
It’s important to compare the features, fees, and benefits of different credit cards to find the one that best suits your travel habits and needs. Keep in mind that the “best” card for international travel can vary depending on your individual preferences and spending patterns. Additionally, be sure to notify your card issuer of your travel plans to avoid any potential issues with card usage abroad.
Which is best credit card for international travel?
Here are some credit cards that have historically been popular choices for international travel since September 2021:
Chase Sapphire Preferred® Card
This card is known for its flexible rewards program, which allows you to earn points that can be transferred to various airline and hotel partners. It also has no foreign transaction fees and offers travel protections.
Capital One Venture Rewards Credit Card
This card provides simple and flexible rewards that can be used to cover travel expenses. It offers a Global Entry or TSA PreCheck application fee credit and has no foreign transaction fees.
American Express Platinum Card
While it comes with a high annual fee, this premium card offers a wide range of travel benefits, including airport lounge access, airline fee credits, and elite status with several hotel chains.
Bank of America Travel Rewards Credit Card
This card has no foreign transaction fees and allows you to earn points that can be redeemed for travel expenses. It’s a solid choice for those looking for a straightforward rewards card.
Citi Premier® Card
This card offers bonus points on travel and dining purchases and allows you to transfer points to airline partners. It also comes with no foreign transaction fees and travel insurance benefits.
Wells Fargo Propel American Express® Card
This card has no annual fee and offers rewards on various categories, including travel, dining, and gas. It also has no foreign transaction fees.
Discover it® Miles
This card offers simple and flexible miles that can be redeemed for travel expenses. Discover also matches your miles at the end of your first year, effectively doubling your rewards.
HSBC Premier World Elite Mastercard®
This premium card provides a range of travel benefits, including lounge access, airline fee credits, and travel insurance coverage. It’s suitable for frequent travelers who value luxury perks.
United Explorer Card
If you frequently fly with United Airlines, this card offers benefits such as free checked bags and priority boarding. It also has no foreign transaction fees.
Delta SkyMiles® Gold American Express Card
If Delta is your preferred airline, this card provides benefits like free checked bags and priority boarding. It also offers rewards on dining and no foreign transaction fees.
Barclaycard Arrival Plus® World Elite Mastercard®
This card offers flexible travel rewards that can be used for a wide range of travel expenses. It also has no foreign transaction fees and provides a Global Entry application fee credit.
Hilton Honors American Express Surpass® Card
If you prefer Hilton hotels, this card offers rewards on Hilton stays and complimentary Hilton Honors Gold status, which includes benefits like room upgrades and free breakfast at select properties.
Marriott Bonvoy Boundless™ Credit Card
This card is ideal for Marriott loyalists, offering rewards on Marriott stays and a free night award each year. It also has no foreign transaction fees.
VentureOne® from Capital One
This card is similar to the Capital One Venture Rewards Credit Card but with no annual fee. It’s a good choice for travelers who want to earn rewards without paying an annual fee.
Alliant Cashback Visa Signature Credit Card
This card offers unlimited 2.5% cash back on all purchases during the first year and 2.5% cash back on all purchases thereafter. It has no foreign transaction fees, making it suitable for international travel.
Conclusion
In conclusion, remember that the “best” credit card for international travel varies from person to person, depending on your specific travel habits and preferences. Factors such as the airlines and hotels you frequent, your spending patterns, and the types of rewards and benefits you value most will play a significant role in your decision.
Before applying for any credit card, it’s crucial to review the terms, fees, and rewards structures, and compare them to your needs. Also, consider the potential impact on your credit score and financial situation when applying for new credit cards. Always make payments on time and manage your credit responsibly to maintain a healthy credit history.
To find the right credit card for your international travels, carefully assess your needs and preferences. Consider factors such as the airlines or hotel chains you prefer, your spending patterns, and the types of travel benefits that are most valuable to you. Always check for the most up-to-date information on credit card terms and offerings before making a decision.
Ultimately, the best credit card for international travel is one that aligns with your travel goals and financial situation, helping you make the most of your international adventures while providing convenience and peace of mind during your journeys.
In other article, How to Maximize Airline Credit Card Sign Up Bonuses