The Best Credit Cards for International Travel in 2024
When traveling abroad, having the right credit card is as crucial as carrying a passport. A suitable credit card can not only help you earn valuable rewards but also offer essential protections and benefits. Using a credit card can save you money on foreign transaction fees and safeguard your purchases against fraud and theft. Moreover, some cards enhance your travel comfort with perks like lounge access, elite status benefits, and travel insurance.
Choosing a Credit Card for International Travel
For international travels, it’s important to choose a credit card that waives foreign transaction fees, provides bonus points on travel purchases, and includes travel insurance. Below is a list of the best credit cards for international travel curated for 2024:
The Best Credit Cards for International Travel in 2024:
- Best Overall: Chase Sapphire Preferred® Card
- Best for Luxury Travel Perks: The Platinum Card® from American Express
- Best for Travel Insurance: Chase Sapphire Reserve®
- Best for Tours and Activities: Capital One Venture Rewards Credit Card
- Best for Dining Around the World: American Express® Gold Card
- Best for No Annual Fee: Wells Fargo Autograph℠ Card
Chase Sapphire Preferred® Card: Best Overall for International Travel in 2024
The Chase Sapphire Preferred® Card is a top choice for international travel, providing essential benefits for worldwide travelers. With a $95 annual fee, it offers vital travel protections while earning valuable rewards. Cardholders benefit from:
- 5 points per dollar on travel through the Chase Travel portal
- No foreign transaction fees
- Up to $10,000 per person in trip cancellation/interruption insurance
The Platinum Card® from American Express: Best for Travel Perks
The Platinum Card® from American Express shines in terms of travel perks, offering substantial annual statement credits for airline fees and hotel bookings. Cardholders enjoy:
- Global Entry benefits
- Trip delay coverage and cancellation insurance
Chase Sapphire Reserve®: Best for Travel Insurance
The Chase Sapphire Reserve® provides comprehensive travel insurance, making it an ideal choice for international travelers. Key benefits include:
- Emergency medical services up to $100,000
- Trip cancellation/interruption coverage up to $10,000
Capital One Venture Card: Best for International Tours and Activities
The Capital One Venture Rewards Credit Card is excellent for those who frequently book tours and activities, offering unlimited 2 miles per dollar on every purchase. Cardholders receive six months of complimentary membership to The Cultivist, providing free admission to numerous museums globally.
American Express Gold Card: Best for Dining Around the World
The American Express Gold Card excels in earning rewards on dining expenditures. With:
- 4 points per dollar at restaurants
- 3 points on flights booked directly with airlines
Wells Fargo Autograph℠ Card: Best for No Annual Fee
The Wells Fargo Autograph℠ Card is a fantastic option for travelers looking for no annual fee while earning generous rewards. This card waives foreign transaction fees and offers:
- 3X points on various travel-related expenses
- 0% intro APR for 12 months
Who Should Get a Credit Card for International Travel?
Travelers who frequently journey internationally should consider obtaining a credit card tailored for such adventures. These cards can help eliminate extra costs typically associated with traveling abroad, allowing for a seamless experience. Even occasional travelers can benefit, as these cards serve as a reliable backup payment method when cash or debit cards are lost.
How to Choose the Best Credit Card for International Travel
When choosing a credit card for international travel, keep these tips in mind:
- No Foreign Transaction Fees: Aim for a card that doesn’t charge fees of up to 3% on international purchases.
- Bonus Points on Travel: Opt for cards that offer rewards for travel-related spending both abroad and at home.
- Trusted Traveler Programs: Look for cards providing application fee credits for programs like TSA Precheck and Global Entry.
International Credit Cards FAQ
Which Cards are Best for International Travel?
The best cards for international travel typically have no foreign transaction fees, travel protections, and offer bonus rewards on travel purchases.
What’s the Advantage of Using a Credit Card When Traveling Internationally?
The major advantage is convenience and security, allowing you to make purchases without carrying cash while benefiting from rewards and protections.
Is American Express or Visa Better for International Travel?
The choice depends on your destination and which cards are widely accepted. Generally, Visa tends to have broader acceptance compared to American Express.
In conclusion, the right credit card can enhance your international travel experience significantly. By considering your personal travel habits and leveraging the smart use of rewards, you can make the most of every trip.
