10 BEST CREDIT CARDS FOR INTERNATIONAL TRAVEL

Travel can be exciting and thrilling, but it can also be stressful, especially if you are traveling internationally. If your ultimate objective is to travel worldwide and maximize your rewards-earning potential, regardless of your personal or financial position, many credit cards levy a foreign transaction fee for any purchases made in a foreign currency. There is a credit card available that can assist you in expanding your options. Using a combination of credit cards can sometimes extend your journey even further.
Here are the top best credit cards for international travel and their benefits and limitations to help you figure out which options are ideal for you.

Best Credit Cards For International Travel

Credit cards for international travel are designed to enhance your travel experience. They offer benefits like rewards on travel spending, airport lounge access, travel credits, and no foreign transaction fees. The best card for you depends on your travel preferences and spending habits. Consider your specific travel needs and spending habits when choosing a credit card. It’s also important to compare the features, fees, and rewards offered by different cards to find the best one for you.

These are the best credit Cards for International Travel

#1. Chase Sapphire Preferred Card

This card is highly regarded for its flexibility, point transfers, and big sign-up bonus. It offers valuable travel benefits and does not charge foreign transaction fees.

#2. The Platinum Card from American Express

Considered the best credit card for elite and professional travelers, this card offers a wide range of travel perks and benefits. It is known for its luxury travel benefits and does not charge foreign transaction fees.

#3. American Express Gold Card

This card is recognized as the best overall credit card for international travel. It offers generous rewards on dining and supermarket purchases, as well as points on flights. It also does not charge foreign transaction fees.

#4. Capital One VentureOne Rewards Credit Card

This card is a great option for travelers who prefer no annual fees. It offers travel rewards and does not charge foreign transaction fees.

#5. Chase Sapphire Reserve

It is considered the best credit card for luxury travel, this card offers premium travel benefits and rewards. It does not charge foreign transaction fees.

#6. Wells Fargo Propel American Express Card

The rewards on travel, dining, and other categories are free from international transaction fees with this credit card. Furthermore, there is no yearly subscription and it includes cell phone protection.

#7. Bank of America Travel Rewards Credit Card

This card has no foreign transaction fees and offers flexible rewards that can be redeemed for travel expenses. It also does not charge an annual fee.

#8. Citi Premier Card

It provides travel rewards and does not charge foreign transaction fees. It offers bonus points on travel and dining and allows you to transfer points to airline loyalty programs.

#9. Discover it Miles

The card has no foreign transaction fees and offers unlimited 1.5x miles on every purchase. It also doubles the miles earned in the first year and does not charge an annual fee.

#10. HSBC Premier World Elite Mastercard

Travel points, no foreign transaction fees, and many exclusive travel advantages are all included with this card. Although there is a high yearly price, it offers valuable benefits for regular travelers.

Best Credit Cards For International Travel No Annual Fee

The best credit cards for international travel with no annual fee offer rewards and benefits for travel without charging an annual fee. This can be a good option for frugal or infrequent travelers who want to earn rewards without paying for the cost of card ownership. The best credit cards for international travel with no annual fee include the Wells Fargo Autograph Card, Bank of America Travel Rewards, Discover it Miles, Capital One SavorOne Cash Rewards, Chase Freedom Unlimited, and Discover it Miles.

Benefits Of The Best Credit Cards For International Travel No Annual Fee

#1. No Foreign Transaction Fees

One of the biggest benefits of these cards is that they don’t charge foreign transaction fees. You can make purchases abroad without incurring additional fees, saving you money while traveling.

#2. Travel Rewards

Many of these cards offer travel rewards that can be redeemed for flights, hotels, car rentals, and other travel expenses. These rewards can help offset the cost of your trips and make international travel more affordable.

#3. Flexible Redemption Options

Some cards offer flexible redemption options, allowing you to use your rewards for various travel expenses or even as statement credits towards your travel purchases. This flexibility gives you more options to make the most of your rewards.

#4. Wide Acceptance

Many of these cards are issued by major credit card networks like Visa or Mastercard, which are widely accepted around the world. This means you can use your card in a variety of countries and locations during your international travels.

#5. EMV Chip Technology

Most travel credit cards with no annual fee come with EMV chip technology. EMV chips provide an added layer of security to protect against fraud and are commonly used in many countries outside of the United States. This gives you peace of mind when using your card abroad.

#6. Free Credit Score Monitoring

Some credit cards offer free credit score monitoring services, allowing you to keep track of your credit health. This can be helpful when planning for future travel or applying for other financial products.

#7. No Penalty APR

With no-annual-fee travel cards, you may not face penalty APR (Annual Percentage Rate) charges if you miss a payment. This can be beneficial in case you encounter any unexpected financial difficulties while traveling.

#8. Introductory 0% APR

Some travel cards offer an introductory 0% APR period on purchases or balance transfers for a certain period. This can be advantageous if you plan to make large purchases or need to transfer balances from other high-interest cards.

#9. Ease of Use

No-annual-fee travel cards are generally easy to manage and maintain. They often come with user-friendly online portals or mobile apps that allow you to track your spending, make payments, and manage your rewards.

#10. Trip Protection

Some no-annual-fee travel cards offer trip protection benefits, such as travel insurance and reimbursement for trip cancellations or delays. These benefits can provide peace of mind and financial protection while traveling.

Best Credit Cards For International Travel Points

The best credit cards for international travel Points are the card offers rewards points that can be earned and redeemed for travel-related expenses. These cards offer bonus points or miles for travel purchases, such as airfare, hotels, and rental cars, as well as other travel-related expenses like dining and entertainment. The points earned can then be redeemed for travel expenses, such as flights, hotel stays, and car rentals, or for other rewards, such as cashback or merchandise. Some of the best credit cards for international travel points include the Chase Sapphire Preferred Card, the Capital One VentureOne Rewards Credit Card, and the Citi Premier Card.

Limitations Of The Best Credit Cards For International Travel Points

These are the limitations of the best credit cards for international travel points:

#1. High Annual Fees

Many of the top travel credit cards come with high annual fees, especially those that offer premium perks and benefits. These fees can range from $90 to $450 or more per year, which may not be suitable for everyone’s budget.

#2. Blackout Dates and Limited Availability

Some travel reward programs may have blackout dates or limited availability when it comes to redeeming your points for flights or hotel stays. This can restrict your flexibility and make it more challenging to use your points when and where you want.

#3. Complex Redemption Processes

Certain credit card rewards programs may have complex redemption processes or restrictions. You may have to book through specific travel portals or adhere to specific rules and regulations to redeem your points.

#4. Fluctuating Point Values

The value of points can vary, depending on the redemption option and the specific program. Point values can change over time, which means the value of your accumulated points may fluctuate. It’s important to stay aware of any changes in point values to maximize your rewards.

#5. Minimum Spending Requirements

Some travel credit cards require you to meet a minimum spending threshold within a specified timeframe to be eligible for the sign-up bonus or to earn additional rewards.

#6. Higher Credit Score Requirements

Many of the best travel credit cards require a good to excellent credit score for approval. If you have a lower credit score, you may not qualify for these cards or may be offered less favorable terms, such as higher interest rates or lower credit limits.

#7. Limited Bonus Categories

While travel credit cards may offer bonus points for specific spending categories like dining or travel, they may have restrictions on what qualifies for these bonus categories. Only certain types of dining establishments may be eligible for bonus points, or specific types of travel expenses may not qualify.

#8. Potential Devaluation of Points

Travel credit card reward programs can change over time, and there is a possibility of points being devalued. This means that the value of your accumulated points may decrease, making it less beneficial to redeem them for travel rewards.

#9. Higher Interest Rates

Travel credit cards may come with higher interest rates compared to other types of credit cards. If you carry a balance and accrue interest charges, the benefits of the rewards may be outweighed by the interest costs.

#10. Foreign Transaction Fees

While many travel credit cards waive foreign transaction fees, some cards may still charge these fees when you make purchases in a foreign currency. These fees can add up, especially if you frequently travel internationally.

Best Credit Cards For International Travel Miles

The best credit cards for international travel miles are credit cards that are designed to help you earn airline miles or travel rewards when you use the card for international expenses such as flights, hotels, and dining while traveling abroad. These cards often offer generous rewards for travel-related spending and may provide benefits like bonus miles for signing up, travel insurance, and airport lounge access. Accumulated miles or travel rewards can then be redeemed for free or discounted flights, hotel stays, or other travel-related expenses, making it more cost-effective for frequent international travelers. The best credit cards for international travel miles include the United Business Card, the Capital One Venture Rewards Credit Card, and the Delta SkyMiles Gold American Express Card.

Features Of The Best Credit Cards For International Travel Miles

The best credit cards for international travel miles offer a range of features that make them ideal for frequent travelers.

#1. Earn Miles

These credit cards allow you to earn miles for every dollar you spend on eligible purchases. The miles earned can be redeemed for travel expenses such as flights, hotel stays, car rentals, and more.

#2. Travel Assistance Services

Some travel credit cards provide additional travel assistance services like 24/7 concierge services, emergency medical and legal assistance, and lost luggage reimbursement. These services can be valuable when you encounter unexpected situations during your travels.

#3. Travel Insurance

Many travel credit cards offer travel insurance benefits, including trip cancellation/interruption insurance, baggage delay/loss insurance, and emergency medical coverage. These insurance benefits can provide peace of mind and financial protection during your travels.

#4. Airport Lounge Access

Some premium travel credit cards provide complimentary airport lounge access, allowing you to relax and enjoy amenities like comfortable seating, Wi-Fi, complimentary food and beverages, and more at select airports worldwide.

#5. Global Entry or TSA PreCheck Fee Credit

Certain travel credit cards offer a statement credit to cover the application fee for Global Entry or TSA PreCheck. These programs can help expedite your airport security screening process.

#6. Hotel and Airline Partnerships

Many travel credit cards have partnerships with specific airlines or hotel chains, allowing you to transfer your earned miles to these loyalty programs. This provides flexibility and the opportunity to maximize the value of your miles by booking award flights or hotel stays.

#7. Travel Purchase Credits

Some travel credit cards offer annual travel credits that can be used to offset travel expenses like airline tickets, hotel stays, or car rentals. These credits can help reduce the overall cost of your travel.

Most travel credit cards offer generous sign-up bonuses, which often require you to spend a certain amount within a specified period. These bonuses can provide a significant boost to your miles balance when you first open the card.

#9. Travel Discounts and Perks

Certain credit cards offer exclusive travel discounts and perks, such as discounted or free hotel nights, complimentary upgrades, and special offers on travel packages. These benefits can enhance your travel experience and save you money.

#10. Complimentary Elite Status

With certain travel credit cards, elite status with airlines or hotel loyalty programs can be attained more quickly or for no additional cost. You may then be able to take advantage of extra perks like priority boarding, complimentary accommodation upgrades, and higher mileage-earning rates.

Which Card Is Best For International Flight Booking?

The best credit cards for booking international flights include American Express Platinum Card, Chase Sapphire Reserve, Ink Business Preferred Credit Card, and American Express Gold Card. Choose the card based on your needs and spending habits.

Which Credit Card Gives Travel Benefits?

Several credit cards offer travel benefits like rewards points, miles, no foreign transaction fees, travel insurance, and airport lounge access. Some of the best travel credit cards include the Chase Sapphire Preferred Card, Capital One Venture X Rewards Credit Card, Platinum Card from American Express, United Business Card, Delta SkyMiles Gold American Express Card, and Citi Premier Card.

Is It Good To Use A Credit Card For International Travel?

Using a credit card for international travel can be a good idea, as it can offer many benefits and protections. Some of the benefits of using a credit card for international travel include rewards for travel-related expenses, no foreign transaction fees, travel insurance, and additional perks like airport lounge access and hotel status.

Which Bank Credit Card Gives The Most Benefits?

The best bank credit card depends on individual preferences and needs. Popular options include Chase Sapphire Reserve, American Express Platinum Card, Citi Prestige Card, and Bank of America Premium Rewards Credit Card. These cards offer travel benefits, rewards, and a strong customer service reputation. The best card depends on individual spending habits, travel preferences, and financial goals.

Which Bank Has No Foreign Transaction Fee?

Charles Schwab Bank, Discover Bank, HSBC, and Varo Bank are some banks that don’t charge foreign transaction fees on their debit cards. Charles Schwab Bank offers unlimited reimbursements for ATM fees worldwide and currency conversion fees. Discover Bank doesn’t charge foreign ATM networks or fees, but acceptance may be limited outside certain countries. HSBC Premier Checking accounts also don’t charge fees.

Which Debit Card Is Best For International Transactions?

The best debit cards for international transactions include Revolut, Charles Schwab Bank High Yield Investor Checking, Capital One 360, and Betterment. Revolut offers no foreign transaction fees, great exchange rates, and multi-currency accounts. Charles Schwab Bank High Yield Investor Checking reimburses international ATM fees worldwide, while Capital One 360 offers a user-friendly mobile app and various banking services. It’s recommended to compare features, fees, and benefits before making a decision.

Which Is Better For International Travel Credit Card Or Debit Card?

When traveling abroad, choosing between a credit card or debit card depends on your personal preferences and needs. Credit cards offer benefits such as widespread acceptance, better exchange rates, rewards points, and additional perks like airport lounge access and hotel status. Debit cards may be cheaper, offer better record keeping, and may not charge foreign transaction fees. It’s important to choose a card that fits your spending habits and travel goals, bring a backup card in case of acceptance issues, and notify your bank or credit card company of your travel plans to avoid fraud alerts or card freezes.

Is It Better To Use A Travel Card Or A Credit Card?

When choosing a travel card or credit card for travel expenses, consider factors such as frequent travel, frequent purchases, spending habits, and perks. Travel credit cards offer rewards on purchases, such as airport lounge access or travel insurance, and can be redeemed for future trips. Cash-back cards offer cash rewards on everyday purchases, making them suitable for those who don’t travel frequently. Consider your spending habits, as a travel card may provide more value for travel-related expenses, while a cash-back card may be more suitable for everyday purchases.

What Is The Difference Between A Credit Card And An International Credit Card?

The main difference between a regular credit card and an international credit card is its usability and acceptance outside of your home country. A regular credit card can be used for both domestic and international transactions but may have lower acceptance rates and foreign transaction fees. An international credit card is specifically designed for use outside your home country and often offers features like no foreign transaction fees, higher acceptance rates, and additional benefits for international travelers.

Do We Need To Inform The Bank When Traveling Abroad?

Yes, it is recommended to inform your bank when traveling abroad. This is because banks monitor your account for suspicious activity and may freeze your account if they see transactions in an unfamiliar location, which can be inconvenient when you’re traveling. By notifying your bank of your travel plans, they will know that any card transactions from that location were likely authorized by you. You can notify your bank by setting up a travel alert on your account through online banking or by calling your bank to inform them of your travel plans.

Should You Get A Credit Card For Travelling?

It is advised to get a credit card for traveling if you want to take advantage of rewards, perks, and benefits that can make travel more affordable. However, the decision depends on your individual needs, spending habits, and consideration of factors such as credit score, annual fees, and foreign transaction fees. It’s important to weigh the rewards and benefits against the costs before making a decision.

Will I Get Charged For Using My Credit Card Abroad?

Whether or not you will get charged for using your credit card abroad depends on the credit card issuer and the type of card you have. Some credit cards charge foreign transaction fees, which are fees assessed by your credit card issuer and tend to be charged as a percentage of the purchase that you’re making, usually around 3%. However, some credit cards do not charge foreign transaction fees, which can save you money when using your card abroad.

Conclusion

The best credit cards for international travel are the credit cards that are particularly well-suited for use when traveling abroad. These cards offer benefits such as no foreign transaction fees, competitive exchange rates, and various travel-related perks like travel insurance, airport lounge access, and rewards programs that can help you save money and earn rewards while traveling internationally. Choosing the right credit card for international travel can make your trips more convenient and cost-effective. The best credit cards for international travel points offer rewards points for travel-related expenses, such as airfare, hotels, and rental cars. It’s important to stay aware of these limitations to maximize rewards.