Traveling internationally? Having the right travel credit card can make all the difference. It helps you avoid fees, earn valuable rewards, and provides useful perks like travel insurance and lounge access. Here’s my personal guide to the best travel credit cards for international trips, curated based on my experiences and research.
Key Features to Look for in a Travel Credit Card
When choosing a credit card for international travel, these features are essential:
- No Foreign Transaction Fees: Some cards charge 2-3% on every purchase abroad. Look for a card that waives these fees.
- Rewards on Travel and Spending: Cards that offer points or miles for every purchase, especially in travel categories, can help you earn free trips.
- Travel Insurance: Look for cards offering trip cancellation, baggage delay, and rental car coverage.
- Airport Lounge Access: Frequent travelers will love cards that provide complimentary access to lounges worldwide.
Top International Travel Credit Cards
1. Revolut Travel Card (Available in Europe, UK, and Worldwide)
I’ve tried numerous travel credit cards, and Revolut is my personal favorite. Its design is sleek and user-friendly, and it offers excellent features like no foreign transaction fees and daily interest on savings in the Vaults.
- Key Features:
- No foreign transaction fees on currency exchanges up to a certain limit.
- Real-time spending notifications and excellent app functionality.
- Free ATM withdrawals worldwide (limits apply).
- Daily interest on savings with Vaults.
- Why It’s Great: The Revolut Travel Card stands out for its design, simplicity, and additional features like earning daily interest. Join the Revolut community through my personal link here to start enjoying these benefits!
2. Wise Multi-Currency Account (Global)
The Wise Card is fantastic for those needing to spend across multiple currencies without high fees. It’s available in Europe, the UK, the U.S., Canada, and more.
- Key Features:
- No hidden fees and access to the best exchange rates.
- Hold and spend in over 50 currencies.
- No ATM fees for up to two withdrawals a month.
- Why It’s Great: Ideal for long-term travelers and digital nomads who need a versatile card that works seamlessly across borders.
3. N26 You (Europe)
For European travelers, the N26 You card is a great option. It has no foreign transaction fees and provides benefits like cash back and travel insurance.
- Key Features:
- No foreign transaction fees worldwide.
- 1.5% cashback on all purchases.
- Free travel insurance including medical and trip cancellation.
- Why It’s Great: Offers solid benefits and insurance, making it a top pick for European travelers.
4. Scotiabank Passport Visa Infinite (Canada)
Canadians will appreciate the Scotiabank Passport Visa Infinite for its lack of foreign transaction fees and premium travel perks.
- Key Features:
- No foreign transaction fees.
- Earn 2 points per $1 spent on travel, dining, and entertainment.
- Access to over 1,200 airport lounges with Priority Pass membership.
- Why It’s Great: Combines excellent travel rewards with fee-free spending and premium travel insurance.
5. ANZ Travel Adventures Card (Australia)
Australian travelers can benefit from the ANZ Travel Adventures Card, which offers great rewards and no foreign transaction fees.
- Key Features:
- No foreign transaction fees.
- Earn 1.5 points per $1 spent on eligible purchases.
- Complimentary travel insurance when booking with the card.
- Why It’s Great: Provides valuable rewards and free flights, making it ideal for Aussie travelers.
Pro Travel Tips
- Track Your Spending: Apps like Trail Wallet or TravelSpend help monitor expenses in real time.
- Always Carry a Backup: I recommend taking at least two cards when traveling.
- Avoid Dynamic Currency Conversion: It often results in higher fees—always pay in the local currency.
Conclusion: Pick the Best Travel Credit Card for Your Journey
Choosing the right travel credit card can save you money and enhance your travel experience. Whether you’re based in Europe, Canada, Australia, or elsewhere, finding a card with no foreign transaction fees, solid rewards, and travel protection is crucial.
Have a favorite travel credit card? Share your thoughts in the comments below! If there’s a specific finance topic related to traveling that you’d like me to cover, let me know—I’d love to write about it!
Don’t forget to subscribe for more tips on smart travel and saving money. Join the Revolut community through my personal link here and start enjoying the benefits of a great travel credit card today!
