What Are The Best Cards For International Travel?

Choosing the right credit card for international travel can make a big difference. You want to receive rewards and avoid unnecessary fees. See our top choices for travel.

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When it comes to international travel, choosing the right credit card can make a significant difference in terms of convenience, fees, and rewards. Here’s a comprehensive guide to help you navigate your options.

1. Types of Credit Cards for International Travela. No Foreign Transaction Fee Cards

Many credit cards charge a fee for transactions made outside the U.S., typically around 1% to 3%. Look for cards that explicitly state "no foreign transaction fees." This can save you a substantial amount of money during your travels.

b. Travel Rewards Cards

These cards offer points or miles for every dollar spent, which can be redeemed for flights, hotel stays, and other travel expenses. Look for cards with bonus offers for travel-related purchases.

c. General Rewards Cards

If you travel infrequently, general rewards cards may be more appealing. They offer flexible rewards that can be redeemed for a variety of options, not just travel.

2. Top Credit Cards for International Travela. Chase Sapphire Preferred® Card

• Annual Fee: $95
• Foreign Transaction Fee: None
• Rewards: 2x points on travel and dining, 1 point per dollar on all other purchases.
• Bonus Offer: Often has a substantial sign-up bonus that can be redeemed for travel through the Chase Ultimate Rewards portal.

b. Capital One Venture Rewards Credit Card

• Annual Fee: $95 (waived the first year)
• Foreign Transaction Fee: None
• Rewards: 2x miles on every purchase.
• Bonus Offer: Generous sign-up bonus; miles can be used to offset travel expenses.

c. American Express Platinum Card®

• Annual Fee: $695
• Foreign Transaction Fee: None
• Rewards: 5x points on flights booked directly with airlines or through American Express Travel, and 1 point on other purchases.
• Benefits: Extensive travel perks including airport lounge access and travel insurance.

d. Discover it® Miles

• Annual Fee: None
• Foreign Transaction Fee: None
• Rewards: 1.5x miles on every purchase, and Discover matches all miles earned in the first year.
• Notes: Discover isn’t as widely accepted internationally, so it’s best used alongside another card.

e. Citi Premier® Card

• Annual Fee: $95
• Foreign Transaction Fee: None
• Rewards: 3x points on air travel, hotels, and restaurants; 2x points on entertainment; 1 point on other purchases.
• Bonus Offer: Attractive sign-up bonus.

3. Tips for Using Credit Cards Abroada. Notify Your Bank

Before traveling, inform your bank of your travel plans. This helps prevent your card from being flagged for suspicious activity.

b. Know the Acceptance

While Visa and Mastercard are widely accepted, American Express and Discover can have limited acceptance in some countries. It’s wise to carry a backup card.

c. Avoid Dynamic Currency Conversion

When given the option, always choose to pay in the local currency rather than converting to your home currency. This avoids additional fees and typically offers a better exchange rate.

d. Use Chip-and-PIN Technology

In many countries, chip-and-PIN cards are the standard. Ensure your card has a chip and consider getting one with a PIN for added convenience.

e. Keep a Backup Card

In case your primary card is lost or stolen, it’s a good idea to have a secondary card for emergencies.

4. Additional Considerationsa. Insurance Benefits

Many travel credit cards come with travel insurance, rental car insurance, and purchase protection, which can save you money and provide peace of mind.

b. Airport Lounge Access

Some premium cards offer complimentary access to airport lounges, making travel more comfortable.

c. Global Entry or TSA PreCheck Credit

Certain cards reimburse the application fee for Global Entry or TSA PreCheck, expediting your travel experience.

5. Safe Travels

Choosing the right credit card for international travel can enhance your experience and save you money. Look for cards with no foreign transaction fees, rewards suited to your travel habits, and additional perks that cater to your needs. Always carry more than one card and be prepared for different payment environments abroad. With the right card in hand, you can enjoy your travels without the hassle of high fees or limited acceptance. Whether you're a frequent flyer or an occasional traveler, the right credit card can turn your travel dreams into reality.