Your Guide to Finding the Best Credit Card for International Travel
Doing your credit card research will help to make sure that your money is working for you. Depending on what you want to get out of your card, you can exchange the points you earn for anything from airline miles to hotel stays. Plus, you’ll know that your card will keep working no matter where you are no worrying that your bank will penalize you or temporarily lock your account.
We want to help you figure out what’s best for you. Read on for our guide for how to find the best credit cards for all your international travel needs.
Before you start researching which card is right for you, there are a few factors in particular that you should know about. Educating yourself about these common features (and drawbacks) cinto hermes replica comprar
of credit cards could help save you some money down the line.
Foreign Transaction Fees
If you’ve already traveled abroad before and used a credit card not specifically meant for international travel, you might have noticed some extra charges on your account when you got home.
Some banks and credit card companies will charge you a foreign transaction fee, which usually ends up being a percentage of whatever your transaction was. That means every purchase you make ends up being more expensive than you’d bargained for.
Those fees can add up quickly. This usually applies to things like credit cards specifically with one airline or hotel chain the points that you earn can only be redeemed with them.
If you’re particularly loyal to one company, this could work for you. If you want more flexibility with your rewards, though, it’s a good idea to read the fine print about rewards before you sign on the dotted line.
Cards that let you redeem across multiple airlines, hotels, and other vendors will usually be the best value for your money.
While we’re on the topic of points, not all point redemption systems are created equal. You probably already know that one point doesn’t equal one dollar, so it’s a good idea to find out where you’ll get the most out of your rewards points.
Can you redeem points as a gift card, or are you only able to apply them to your credit card statement? How much is one point worth? Are your points more valuable if you redeem with the credit card company?
These are all important questions to ask. In some cases, the sign up bonus that you receive is enough to buy a plane ticket!
Read through what they’re offering to make sure that you’re able to afford the money you’ll have to spend to get the sign up bonus. You don’t want to go into debt just to get those reward points.
Chip and PIN
For the most part, card reader machines abroad are the same as they are in the United States. However, you might come across some that havemore securitythan you’re used to at home. In addition to the chip reader, it’ll also ask you for a PIN.
Most American credit cards don’t have a PIN we usually associate that with debit cards. The best credit card for international travel will have both chip and PIN technology. Not only will your card be more secure, but you’ll know that you can use it without issue.
Best International Travel Credit Cards
Now that we’ve gone over some of the features to look for when choosing the best credit card for international travel, let’s take a look at our list of the top travel credit cards. We’ll break down the pros and cons of each one so that you can decide which credit card best suits your needs.
Chase Sapphire Reserve
The Reserve only came out in 2016, but it’s quickly shot to the top of many travelers’ “must have” lists. And for good reason this is definitely the best credit card for international travel.
There’s no foreign transaction fee, and you earn triple the points when you spend on travel expenses like airfare or car rentals. You can also get triple points on dining, and one point per dollar on everything else.
Since Chase knows people will be using this for travel, the card comes with a Priority Pass select membership, $100 towards registering for the Global Entry program, and a $300 travel credit.