Credit Cards For International Travel: Traveling abroad is now much easier than ever before, especially if you get the opportunity to organize your last-minute trip by taking advantage of great deals from airlines, hotels, and car rental companies.
As we know the holiday season is coming soon many of us are preparing to pack and go out. Whether you’re just crossing the border to Canada or Mexico or traveling to Europe, Asia or anywhere else in the world. The best Credit Cards For International Travel are accepted almost everywhere and they do not charge a foreign currency transaction fee (Sometimes called the exchange rate).
Better still, some international credit card offers a 24/7 international concierge service and charge a $0 transaction fee abroad and can be used in more than 200 countries and territories around the world. By using an international credit card abroad, travelers can also save on currency conversion.
If we talk about the best credit cards for international travel, they offer great rewards, travel insurance, and other benefits. Many of them also have a feature called “Smart and PIN” for uninterrupted global deployment.
- 1 List of International Credit Cards
- 1.1 1. Capital One Venture Rewards Credit Card
- 1.2 2. Chase Sapphire Preferred Card: Best Travel credit card
- 1.3 3. Capital One Quicksilver Cash Rewards Credit Card
- 1.4 4. Capital One Secured Mastercard
- 1.5 5. Citi Premier Card: Travel Rewards credit card
- 1.6 6. Chase Sapphire Reserve Card: Best Credit card for Study Abroad
- 1.7 7. British Airways Visa Signature Card
- 1.8 Summary:
List of International Credit Cards
There are currently many international credit cards of excellent quality. Below you will find the cards that best meet the needs of international travelers and buyers of all kinds.
1. Capital One Venture Rewards Credit Card
The Capital One Venture Rewards credit card has always been one of the best Credit Cards For International Travel. This is one of the best rewards Credit Cards For International Travel in the market today. With this, you can earn 2x miles on every purchase and receive a $ 500 Free Travel Signup Bonus of $ 500 if you spend $ 3,000 on purchases in the first three months.
The Venture Card introduces $ 0 for the first year. After that, $ 95, which is competitive with other Premium Travel Premium cards, such as the Chase Sapphire Preferred Card. While the Sapphire Preferred card offers a slightly richer sign-up bonus and benefits as an international concierge service. The Venture card may be a better choice if you want to get the most consistent rewards from your travel card.
Comes With $ 700 Value Of Registration Bonus
Capital One Venture Rewards includes a sign-up bonus of 50,000 miles after purchases of $ 3,000 in the first three months. With the transfer partners now available, Capital One Venture miles are not worth a penny or even needed. Instead, they are worth 1.4 cents, according to our ratings.
We identified this number based on our analysis of the current pipeline of line transmission partners and the available exchange options. Taking that number into account, the $ 50,000 bonus is worth $ 700.
You can still redeem your miles for 1 cent each as a credit balance for your travel purchases. Although you can maximize your 50,000 bonus miles to receive more than $ 500, you do not have to. You can jump into these tires if you do not want to spend miles on bank statement credits.
It comes with the signup bonus which is worth $ 500. The annual fee of $ 95 for the card is not in the first year. So, if it’s a card that suits you, you can get it, earn the registration bonus, and test for a year for free if it meets your needs
Main Advantages Of Venture Rewards Card
One of the most valuable benefits of the Venture Rewards card is the 10x miles earned on hotel stays when you book at hotels.com/venture and pay with your Venture Rewards card. This 14% refund will be combined with hotels.com’s existing loyalty program, which offers a free night for every 10 nights you pay.
Together, you will receive a 24% refund for your hotel nights. No other card, not even a fan favorite like Chase Sapphire Reserve, can keep up.
The Venture Rewards card is characterized by offering a registration fee for Global Entry or TSA PreCheck. Annual fees above $ 400 are over $ 400 for many other cards. The TSA / Global Entry Fee Balance is $ 100. Remember that you can pass this benefit on to a friend or family member when you do not need them. to you.
For regular travelers, the Venture Rewards card offers a decent visa-signed travel package, although it’s not the best on the market. Including travel accident insurance up to $ 250,000 and a refund of lost luggage up to $ 3,000 and second-insurance coverage on car rental.
If you shop daily, you also benefit from an extended warranty that doubles the manufacturer’s warranty for up to another year for up to three years, up to a maximum of $ 10,000 per incident, and up to $ 50,000. USD per cardholder.
You will also receive a purchase guarantee that will replace, repair or reimburse your purchases for theft or damage within 90 days of the date of purchase, up to $ 500 per claim and $ 50,000 per cardholder.
For international travelers, Venture Rewards does not charge any transaction fees abroad. You can, therefore, use the card abroad at no extra cost just because you are abroad. And Capital One has recently introduced a metal version of this card, which you will receive automatically when you become a new cardholder.
2. Chase Sapphire Preferred Card: Best Travel credit card
If you have an excellent balance and credit score, the Chase Sapphire Preferred Card is the essential card for any serious traveler and also an excellent option for travelers overseas.
There is an annual fee of $ 95, which is always worth it if you spend a little on the card. There are no transaction fees abroad. In addition to a chip that increases security and improves acceptance when used in a smart card reader.
The best part is that you can travel fast and free with the Sapphire Travel Rewards program. You earn 2X points per dollar spent on travel and meals in restaurants around the world and one point per dollar spent on all other purchases.
When redeemed for Chase Ultimate Rewards travel, these points can be redeemed with a one-to-one transfer to major airlines and hotel loyalty programs. Or you get 25% more value when you swap flights, hotels, car rentals and cruises with Chase Ultimate Rewards.
For example, 60,000 points for a trip are worth $ 750. These points are also worth $ 600 in cash if you do not want to spend your points on travel.
This card also features an award-winning 24/7 customer service line that can be useful while traveling. There’s also a generous bonus for new cardholders. You can earn 60,000 bonus points if you spend $ 4,000 on purchases in the first three months of opening your account. That’s $ 750 if you use Chase Ultimate Rewards.
Great Sign-Up Bonus
The card has a generous sign-up bonus: You can earn 60,000 bonus points after spending $ 4,000 on purchases in the first three months of opening the account. There are $ 750 for travel when redeeming your points with Chase Ultimate Rewards.
This is an exceptional offer compared to other cards with similar annual rates, especially considering that the bonus could be even more valuable in some well-placed points transfers.
Rewards Bonus For Travel And Eating
The Chase Sapphire Preferred Card gives you 2 points per dollar spent on travel and meals and 1 point per dollar on all other purchases. This is not the richest reward structure, but it can still offer decent value. For example, if I had earned 1.25 cents per point, I would have a reward of 2.5% for travel and meals.
The definition of “travel” that Chase gives is also quite broad. In addition to airline tickets and hotel accommodation, you also receive additional rewards for parking fees, bus fares and travel agency fees such as Uber and Lyft. And these bonuses are not just available for Credit Cards For International Travel and dinner in the United States, but they are available worldwide.
The valuable 1: 1 transfer partners to this card is highly rewarding, especially if you are ready to look for good exchange opportunities. Suppose you find a good deal with one of the Chase Line transfer partners, perhaps a flight that usually costs thousands of dollars and only costs 50,000 miles plus taxes and fees.
With this card, you can transfer your Chase Ultimate Rewards points to the loyalty program of this airline and benefit from this offer.
The Chase Sapphire Preferred Card is a great companion, especially for other Chase Ultimate Rewards family cards. In fact, you can move points on this card from your other cards earning Chase Ultimate Rewards, which could create more exchange options.
Remember Chase Freedom, which receives a 5% refund in rotation categories (up to $ 1,500 after activation) and a 1% refund for all other purchases. You may be able to transfer the rewards you receive on this card to the Chase Sapphire Preferred card.
From there, you can make better use of your points by transferring them to other loyalty programs at a 1: 1 ratio, or chase them up to 1.25 cents when you book a trip.
3. Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is a simple, refundable credit card that allows cardholders to earn multiple rewards over time. The card offers a 1.5% cash refund on every purchase you make and a one-time cash bonus of $ 150 after $ 500 spent within three months of opening the account.
The card also offers a 15-month introductory APR of 0% for purchases and balance transfers. The annual percentage is then between 15.74% and 25.74%. With a single premium rate, this is a solid option for consumers who do not want to search for different bonus categories and want to find a way to maximize their earned premiums. However, this simplicity can make you lose more rewards if you are an optimizer.
Although the card offers a 0% annual percentage startup promotion, some cardholders may benefit from comparing them to other cards that may waive fees for transferring funds during a startup phase or a startup action offer a longer duration of action.
Advantages Of Capital One Quicksilver Cash Rewards Credit Card:
- High reward rate of 1.5% on every purchase you make
- Offers a one-time cash bonus of $ 150 after $ 500 for purchases made within three months of opening the account
- It comes with an annual introductory percentage of 0% on purchases and remainder transfers.
- Do not charge an annual transaction fee or abroad
You can use your refund at any time in the form of a statement or a check for any amount. This type of flexibility compares well with other cards. Where you may need to earn $ 25 in accumulated premiums before you can access them.
If you do not want to use your refund manually, you can set automatic refunds for a specific period of the year, or if your balance reaches a certain predefined amount. You can also redeem your rewards as bank statement credits for certain purchases and gift cards.
The Capital One Quicksilver Cash Rewards credit card offers a number of cardholder benefits, including car rental insurance, travel accident insurance and extended warranty. You can also create virtual card numbers to secure your real card number when buying online. You can also lock your card if you lose it and reactivate it as soon as you have it. found.
The Capital One Quicksilver Cash Rewards Credit Card offers an annual introductory percentage of 0% for purchases and balance transfers for 15 months. Thereafter, the annual percentage increases from 15.74% to 25.74%. The initial action can be an excellent feature for cardholders who want to pay the remainder of another credit card or finance a high yielding item. However, after the campaign period, the APR of the card is above the average for cash-backed credit cards, according to a US study.
The Capital One Quicksilver Cash Rewards Credit Card does not charge annual fees. People who prefer to avoid them should be considered. He also does not charge any transaction fees abroad, which makes him an ideal travel companion when planning a trip abroad. However, if you intend to transfer a balance, the fee will be 3% of the transfer amount in the first 15 months. After that, the remittance is free.
4. Capital One Secured Mastercard
If you have a poor credit rating or need to start crediting, the Capital One Secured Mastercard is a great option and one of the best cards for routine travelers.
It’s a solid, reliable card that keeps your expenses under control and increases your credit rating while providing you with the necessary line of credit and the ability to place orders online. The Capital One Secured MasterCard is different from other collateral cards because you have a higher credit limit than your deposit.
It is ideal for anyone who wants the flexibility of a credit card but is not eligible for most unsecured credit cards. There are no renewal fees or fees except late fees. With its minimum credit rating and minimum income requirements, it is accessible to almost all Americans.
Main Advantages Of Capital One Secured Mastercard:
For people who rebuild credit: The Capital One Secured Mastercard is for borrowers who need to rebuild their loans or build them from scratch. If you have been rejected by another credit card in recent months, or your credit rating is below 600, the Master One Secured Mastercard is for you.
No annual fees: There are no annual fees or additional fees, other than normal late fees. So you can use this card without paying anything.
High APR: The interest rates for Capital One® Secured Mastercard are high at 26.99%. The main purpose of this credit card, however, is the monthly payment of the entire balance and the accumulation of credit. If you do that, interest rates will not bite and your credit score will explode.
Superior Credit Line: The Capital One Secured Mastercard is different from other secured cards because your credit line can be increased after five monthly payments without having to add it to your deposit.
Credit reports: Unlike prepaid credit cards, the Capital One Secured Mastercard is a credit card in every respect. This means that you inform the three credit bureaus to quickly improve your credit rating.
Restore Your Credit: Capital One Secured Mastercard is not meant to attract borrowers with cashback and airline miles. It’s a solid card that gives you access to credit and can restore your credit history.
Travel Benefits of Capital One Secured Mastercard:
Although it is a secure credit card, you should not give up travel assistance. The Capital Master Secured MasterCard includes full travel accident coverage, collision insurance for rental cars, and a 24-hour English speaking English language assistant to assist you in case of problems more than 130 km away. km from your house.
If your card is lost or stolen, Capital One’s global hotline is available 24 hours a day which will help you cancel the card and send you a temporary card the next day when you’re in the US within two business days, no matter where you are in the world.
Capital One can also help you find lost or stolen baggage and charge up to $ 5,000 in emergency money wherever you are. If you get sick on vacation, contact Capital One’s free worldwide network of referral doctors, dentists, hospitals and pharmacies for help in your own language.
Capital One will also tell you where to find a pharmacy near you and help you with prescriptions when you’re on the go. They will also help with legal advice.
The $ 100,000 Capital One Travel Insurance Plan is automatically available free of charge to you as a Capital One Card user. Your family is involved in an accident no matter where you are.
The Capital One Secured Mastercard is a card for the digital world. With Capital One mobile banking application and Capital One digital wallet, you can track your expenses anytime, anywhere. The mobile app displays your recent purchases, allows you to set up an automatic payment to pay your bills on time, and gives you an overview of your financial situation.
With the digital wallet, you can take pictures of your documents. The wallet automatically combines them with your recent purchases to help you keep your budget. You can also lock and unlock your card via the digital wallet.
Capital One also sends you email and SMS notifications through the app to remind you to pay your bills. Use the app to customize your settings, including choosing your date and payment method. Everything is at hand with Digital payments.
Finally, the Capital One Secured Mastercard card manages the advanced handling of contactless payments through the integration of Apple Pay. Apple Pay enables contactless payment in stores and fast and secure payment in applications and online.
5. Citi Premier Card: Travel Rewards credit card
The Citi Premier Card is a smart choice for consumers who spend a lot of money on travel, including gasoline, entertainment, and fine dining. The robust rewards program also ensures that you earn points that you can really use.
The card is not only great for collecting points on travel but also offers a variety of options for redeeming travel rewards. On the other hand, it is good to know that you do not have to exchange points for travel.
In any case, you can compare some best travel credit cards and their respective rewards programs to find the right option. Some other programs have different transfer partners and benefits, which could be a better option.
Key Benefits of Citi Premier Card :
Generous Rewards: This card offers 60,000 departure points if you spend $ 4,000 on purchases within three months of opening the account. He also earns 3 points for 1 USD in a major travel category that includes air and rail travel as well as gas stations and other aspects of daily commuting. Rewards in restaurants and entertainment are also very competitive.
Flexible options for redeeming travel rewards: If you are in a hurry to travel but do not want to deal with the complicated hotel or airline loyalty programs or blocked data, this card is a good choice. The Citi portal allows you to book a variety of hotels and airline tickets.
More value when redeeming airline tickets: The Citi Premier Card gives you more value for your points when redeeming via the airline ticket portal. The sign-up bonus of 60,000 points is worth $ 750 per trip if redeemed for one flight.
No Transaction Fees Abroad: If you pay no overseas transaction fees when shopping abroad with this card, your place as a superior travel credit card will be consolidated.
Sign up bonus For the Citi Premier Card:
The Citi Premier Card gives you 60,000 points for $ 750 worth of airline tickets after registering, and you spent $ 4,000 on your card within three months of opening the account. This bonus is similar to competitive travel credit cards that charge similar annual fees.
However, it can be hard to make a living from organic spending by spending $ 1,334 a month three months in a row to reach the threshold.
Earn Points and Rewards:
The big advantage of the Citi Premier card is that the revenue is very generous. The ability to earn 3 points for every dollar spent on travel, including gasoline, parking, ferries, and other daily means of transportation, can be of great help if you spend a lot of money in these categories.
Earn 2 points for 1 USD for meals and entertainment and 1 point for 1 USD for regular purchases. Also, remember that your points will not expire until you have opened a Citi ThankYou credit card account and the bonuses you can earn are unlimited.
There are many ways to redeem Citi ThankYou points earned with this card. However, you get more points if you are used to traveling.
If you book flights directly through Citi. You will receive points of 1.25 cents instead of 1 cent, the typical exchange value for Citi ThankYou points. However, the balance search revealed that by transferring points specifically to JetBlue through Citi Travel’s Loyalty Program.
The points to receive their high value of 1.32 cents each when they are redeemed for airline tickets. Citi has 15 air transfer partners, and the transfer ratio is usually one point per mile, which is good.
At Citi, you can also redeem points for hotels, cruises, and rental cars. If you do not make a travel mistake, you can also use the points to:
- gift Cards
- Buy in online stores like Best Buy or Amazon.com
- credit extract
- Charitable donations
- Student loans or mortgage payments
- pay bills
6. Chase Sapphire Reserve Card: Best Credit card for Study Abroad
If you want to earn Chase Ultimate Rewards points and receive premium travel benefits at the same time. You will receive Chase Sapphire Reserve. The annual fee of Sapphire Preferred is $ 450, compared to $ 95. However, these benefits of Sapphire Reserve can largely offset the cost of owning a premium reward card, such as:
- $ 300 annual travel credit
- Priority Courtesy Pass
- Choose a subscription
- Free entry to the world
Take advantage of a 50% travel voucher instead of the 25% Sapphire Preferred Voucher. This results in a bonus of $ 50,000 worth $ 750 for reward travel after spending $ 4,000 in the first 90 days. You also have access to Chase 1: 1 carrier and carrier partners.
Annual Travel Credit:
One of the card’s main advantages is the $ 300 annual travel credit that can be used for qualified travel purchases (as defined above). It is not necessary to specify the type of trip you wish to use, as Chase automatically credits your $ 300 account when you use it for legitimate purchases.
Who is Eligible for the Chase Sapphire Reserve?
Due to the issuer’s restrictive requirements, in particular, the 5/24 rule, it may be difficult to obtain approval for certain Chase cards. For those who have not heard of it, Chase’s 5/24 rule is an unconfirmed policy, but it’s widely known.
This means that you have opened five credit card accounts with one emitter recently 24 months ago. Your application is automatically denied. Although some reports indicate that some customers have been admitted to the Chase Sapphire Reserve. Even though they have opened five or more cards in the last 24 months, many seem to have been rejected.
The only way to tell if you qualify for the card is to use an app. If you do not get approval, you can switch to the sapphire reserve. If you choose to upgrade your Chase Sapphire Preferred Card to the Sapphire Reserve, you will not be eligible for the Welcome Bonus. However, you can also take advantage of the other benefits of the card. Therefore, the decision to update will vary from case to case.
7. British Airways Visa Signature Card
When traveling to Europe, British Airways Visa Signature helps you book short-haul or TransAtlantic flights. At this point, you can earn 100,000 bonus Avios. New cardholders can earn 50,000 Avios by spending $ 3,000 on purchases in the first three months after opening the account.
You can then earn 50,000 additional Avios by spending a total of $ 20,000 on purchases in the first year after opening the account.
If you spend $ 30,000 a year, you will also get the travel ticket together. You pay the fees and taxes associated with the seat of your travel companion only when you buy a return ticket to and from the United States with Avios. You can exchange your Avios for long-haul flights.
But keep in mind the high fuel surcharges and taxes that can cost around $ 1,000 per way. You can also redeem your points for short-haul flights in Europe or Asia that are short enough to avoid fuel overcharging.
These flights start at 4,500 Avios or 4,000 Avios for non-peak flights. If you prefer flying with Aer Lingus or Iberia, these two Avios co-branded cards also offer the option of 100,000 Avios. It is one of the best airline credit cards for international travel.
Read More: Instant Approval Credit Cards
Which Credit Cards Are Accepted Worldwide?
As of now, all Credit Cards For International Travel is accepted everywhere. This means a Visa or Mastercard is accepted everywhere. Although American Express cards are accepted in many places. You will find many merchants that do not accept Amex outside the United States.
You can use your American Express cards almost anywhere in major hotel chains and other Credit Cards For International Travel providers. However, do not expect to use the Amex in a local restaurant or shop.
However, Discover cards offer significant benefits and some of the lowest exchange rates. Discover cards are not widely accepted outside the United States, point-to-point.
Do you need to use a smart credit card to travel abroad?
Yes for sure well here in the USA at least. We are still getting used to credit cards with “chips”, also called EMV technology. These smartcards have been the norm in Europe and around the world for years.
If you still have a credit card without a chip, you can send another card overseas or call your credit card issuer and ask them to send you a new version of your card.
If you are trying to use a credit card without a chip abroad, the best case is that it works, but you will miss a lot of fun. In the worst case, the dealer will not accept the card.
What Are the Transaction Fees in Foreign Currency?
Many US credit cards charge 2% or 3% foreign exchange for every purchase made outside US dollars. That’s what you want to avoid. Every time you spend money in another country, you pay something to convert the US dollar into the national currency.
This is the case when you change money at a money changer. Withdraw money from an ATM or buy with your credit card. Sometimes you do not realize that the bank is simply giving a less favorable exchange rate and keeping the difference. They charge a percentage of the changed money in addition to the hidden benefit they receive with the exchange rate.
Generally, shopping with your credit card offers a better exchange rate than using a foreign exchange service. But yes, and only if the card does not charge a transaction fee. These rates add up.
For example, suppose you lived abroad for a while and billed $ 5,000 in total. On a card with a transaction fee of 3% is 150 € more. The best Credit Cards For International Travel do not charge these fees.
Which Credit Cards offer the Best International Customer Service?
Suppose you travel abroad and lose your card. Is it easy to get help from your credit card company?
All cards have customer service numbers that you can call from abroad. But some offer services to local travelers with slightly higher levels of service. Such as guaranteed operators and concierges to assist you in finding local routes. or make a reservation for dinner. The Chase Sapphire Preferred Card offers a concierge service to meet all your travel needs around the world.
If you are planning abroad for this vacation and If you do not receive a new credit card prior to your departure, you can check with your existing credit card counterparties and the bank for their foreign transfer fees before you leave and try to proceed with the cheapest method.
In general, withdrawing cash at ATM or using a credit card costs less than applying for a new Credit Cards For International Travel. You can choose the best Credit Cards For International Travel by comparing all the cards above. Let me know your thoughts about the best credit cards below in the comments section.