Credit Cards for Traveling Internationally: How to Choose the Best Travel Card
Traveling internationally can be one of life’s most exciting experiences. From exploring historic cities to relaxing on tropical beaches, international travel opens the door to unforgettable memories. However, one crucial factor often overlooked is how you manage your money while abroad. Using the right credit cards for traveling internationally can save you money, reduce fees, and provide convenience and security while traveling.
In this guide, we’ll explore the benefits of international travel credit cards, key features to look for, top recommendations, and tips for maximizing rewards and minimizing fees.
Why You Need a Credit Card for International Travel
Using a credit card while traveling internationally offers several advantages over cash or debit cards:
1. Avoid Foreign Transaction Fees
Many credit cards charge a foreign transaction fee, usually around 1–3% of every purchase made outside your home country. Travel-focused credit cards often waive these fees, helping you save money on dining, shopping, and hotel stays abroad.
2. Access to Travel Rewards
Travel credit cards often offer points, miles, or cashback for purchases. Using these cards internationally can help you earn rewards faster, especially on travel-related expenses like flights, hotels, and transportation.
3. Security and Fraud Protection
Credit cards provide better protection against fraud than cash or debit cards. If your card is lost or stolen, you can quickly report it and avoid liability for unauthorized charges.
4. Emergency Support
Many international travel credit cards include travel assistance services, including emergency card replacement, concierge services, and insurance benefits.
5. Convenience and Acceptance
Credit cards, especially Visa and Mastercard, are widely accepted internationally, making them a more convenient and safer option than carrying large amounts of cash.
Key Features to Look for in Credit Cards for Traveling Internationally
Not all credit cards are created equal when it comes to international travel. Here are some features to prioritize:
1. No Foreign Transaction Fees
This is perhaps the most important feature. A card with no foreign transaction fees ensures you aren’t charged extra for purchases abroad.
2. Travel Rewards or Cashback
Some cards offer airline miles, hotel points, or cashback for travel purchases. If you travel frequently, these rewards can add up quickly.
3. Chip and PIN Technology
In many countries, chip-and-PIN cards are standard. Having a card with this technology ensures smooth transactions abroad.
4. Travel Insurance Benefits
Some cards include trip cancellation/interruption insurance, lost luggage protection, and travel accident insurance, which can provide peace of mind during your trip.
5. Global Acceptance
Visa and Mastercard are widely accepted internationally. American Express and Discover may have more limited acceptance in some regions, so check the countries you’ll visit.
6. Concierge and Emergency Assistance
Premium travel cards often provide 24/7 concierge services, emergency cash advances, and assistance with lost or stolen cards. These services can be invaluable when traveling internationally.
Top Credit Cards for Traveling Internationally
Here are some of the best credit cards designed for international travel:
1. Chase Sapphire Preferred® Card
- Foreign Transaction Fees: $0
- Rewards: 2x points on travel and dining, 1x point on other purchases
- Annual Fee: $95
- Why It’s Great: Flexible points that can be transferred to multiple travel partners, robust travel insurance benefits, and wide acceptance.
2. Capital One Venture Rewards Credit Card
- Foreign Transaction Fees: $0
- Rewards: 2x miles on all purchases
- Annual Fee: $95
- Why It’s Great: Simple rewards structure, easy redemption for travel expenses, and travel accident insurance.
3. American Express® Gold Card
- Foreign Transaction Fees: $0
- Rewards: 4x points on dining, 3x points on flights booked directly with airlines, 1x point on other purchases
- Annual Fee: $250
- Why It’s Great: Excellent for food and travel rewards, access to Amex Travel benefits, and premium concierge services.
4. Bank of America® Travel Rewards Credit Card
- Foreign Transaction Fees: $0
- Rewards: 1.5x points on all purchases
- Annual Fee: $0
- Why It’s Great: No annual fee, simple flat-rate rewards, and a good choice for casual travelers.
5. Citi Premier® Card
- Foreign Transaction Fees: $0
- Rewards: 3x points on travel, including gas stations, 2x points on dining and entertainment, 1x point on other purchases
- Annual Fee: $95
- Why It’s Great: Strong travel rewards, especially for gas and travel-related expenses, and comprehensive travel protections.
Tips for Using Credit Cards Internationally
Even with the best travel credit card, smart practices are essential to avoid extra costs:
1. Notify Your Card Issuer
Inform your bank or credit card company about your travel plans. This prevents transactions from being flagged as suspicious and avoids unnecessary declines.
2. Use the Local Currency
Always choose to pay in the local currency rather than your home currency. Paying in your home currency may trigger dynamic currency conversion fees, which are often higher than standard foreign transaction fees.
3. Carry a Backup Card
Even with global acceptance, not all places accept all cards. Having a backup Visa or Mastercard ensures you can always make purchases.
4. Monitor Your Spending
Keep track of your expenses while traveling to avoid overspending and accumulating debt. Many cards have apps that help track transactions in real-time.
5. Redeem Travel Rewards Strategically
Maximize your points or miles by redeeming for flights, hotels, or upgrades rather than cashback. Some travel programs offer higher value for travel redemption.
6. Check ATM Fees
Using your card at ATMs abroad may incur cash advance fees or high interest. Use credit cards for purchases instead of withdrawing cash when possible.
Additional Benefits of Travel Credit Cards
Many travel credit cards provide perks beyond rewards and fee savings, including:
- Airport Lounge Access: Premium cards often grant access to lounges worldwide.
- Travel Delay and Lost Luggage Coverage: Insurance for unexpected disruptions.
- Rental Car Insurance: Coverage for damage or theft when renting cars abroad.
- Concierge Services: Assistance with reservations, tickets, and local recommendations.
Conclusion
Choosing the right credit cards for traveling internationally can save you money, simplify spending, and provide peace of mind during your trips. Look for cards with no foreign transaction fees, strong travel rewards, global acceptance, and added protections to get the most out of your international adventures.
Cards like Chase Sapphire Preferred®, Capital One Venture, and American Express Gold are excellent starting points for travelers seeking convenience, rewards, and security abroad. By planning ahead, using your card strategically, and keeping an eye on fees, you can make the most of your travels without worrying about financial surprises.
Whether you’re planning a short getaway or an extended international journey, having the right travel credit card is a smart step toward hassle-free and rewarding adventures around the globe.