which travel debit card

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The Ultimate Guide To The Best Debit Cards For Traveling

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Having the right debit card for traveling is extremely important as it can mean the difference between:

• A stressful experience because your card doesn’t work in your destination / you blew your budget because you didn’t account for hidden fees most banks charge you.
• Being able to pay for things easily both online as well as in person while also saving hundreds or even thousands of dollars a year on fees that you don’t need to pay.

The second option sounds much better, right?

Well the truth is that most banks will charge you fees for foreign transactions, foreign currency conversions, and foreign ATM withdrawals, and if you only travel once a year, the amount you lose on them might not be that much, but if you travel more often than that, you could be losing hundreds or even thousands of dollars a year on these fees!  

In addition, some banks still haven’t caught up to the 21st century and the debit cards that they give you might not even work in other countries because they lack basic functionalities such as a chip & 4-digit number PIN, contactless payments, and Visa or Mastercard integration.

However, there are banks out there that offer no-fee 21st century debit cards that are perfect for traveling.  When it comes to finding the right one for you, it depends on where you live.  

If your current bank offers a card that has all those functionalities and also none of the fees I mentioned earlier, then great!  But most standard banks won’t so you might have to look for a different one.

Luckily for you, I have put together a guide to the best debit cards and bank accounts you can get no matter where you live in the world!

Important information about debit cards:

• Try to limit the amount of payments you make with your debit card since it’s your money that is lost if something happens.  Use it to take out cash and use credit cards for payments if you can as they are safer since you aren’t technically paying with your own money when you use a credit card.
• If you do choose to make payments, always choose to pay in the local currency because the exchange rate offered by Visa & Mastercard will always be better than the one offered by foreign merchants.  The same goes for ATMs.  I go into more detail about this in my Guide to Getting Cash While Traveling .
• If your bank offers this feature, lock your card using the mobile app when you’re not using it to prevent fraud.
• Keep a backup debit card hidden in your luggage in case something happens to your main one and know what to do if your card is lost, stolen, or copied.  See #6 in my Guide to Money Management While Traveling for all the steps you should take.

Table of Contents

Best Travel Debit Card in the USA

Charles Schwab Bank

Charles Schwab Bank’s debit card is often recommended by travelers because of its lack of fees and the fact that any fees you have to pay when using any ATM in the world get refunded to you!  

This is a feature that not many banks offer so this is why they stand out above the rest.  If you’re a US resident, you definitely need to look into getting your hands on this bank account and debit card.

Note: if preventing fraud is a priority and you are looking for a card that has instant notifications for transactions + the ability to freeze & unfreeze your card instantly from the mobile app, check out N26 below .

• No monthly account fees
• No foreign transaction fees
• No foreign currency conversion fees
• No foreign ATM withdrawal fees
• ATM fees imposed by ATMs themselves worldwide get refunded to you by the bank (huge benefit)
• Visa debit card & a US Dollar checking account
• Can sign up online

Eligibility

• You need to be a US resident (with proof of residence) and have a US address (no P.O. boxes) to open an account.
• If you are outside the US when opening an account, you must do it using a VPN or else risk requiring a visit to a branch in person.
• You also have to open a brokerage account with them at the same time to use the checking account.  However, it’s free and you don’t even have to touch it if you don’t want to.

Best Travel Debit Card in Canada

While not technically a bank, what STACK offers is the best option for Canadian travelers since there is no Canadian bank that has a similar offering.  

Signing up with STACK gets you a free reloadable Canadian Dollar Mastercard that doesn’t have any foreign transaction, currency conversion, or ATM withdrawal fees.  You can also fund it quickly and easily with e-transfers. Think of it kinda like a prepaid debit card. 

• Sign up using this link and receive $5 for free! (You must click the link with a mobile device to get your $5).
• No foreign transaction fees (max 15 in-person transactions per day)
• No foreign ATM withdrawal fees (max 2 withdrawals per day, max $500 per withdrawal, max $2,000 a month)
• Instant push notifications for any transactions
• Instantly freeze and unfreeze your card anytime from the app
• Contactless Mastercard with a chip & PIN
• Digital wallet compatible
• Easily load the card instantly using e-transfers
• Discounts at certain Canadian retailers
• You need to have a Canadian address (no P.O. boxes) to open an account.  You might be able to use a friend’s address.
• It is not available in Quebec (yet). Use a friend’s address in another part of Canada until they offer it in Quebec

Best Travel Debit Card in the UK

Starling Bank

There are a few different options available in the UK, but the absolute best option is Starling Bank thanks to the fact that it doesn’t charge you any fees whatsoever for your travel needs.  

Other similar UK banks like Monzo and Monese have limits to the amount of ATM withdrawals you can make, charging you extra fees for going over those limits. This is why Starling Bank stands out as the best choice for UK residents.

• In addition to British Pounds, you can also hold Euros in your account and even make purchases in Euros using the same card 
• Contactless Mastercard debit card with a chip & PIN
• You need to have a UK address (no P.O. boxes) to open an account.  They may also ask for proof of address information so you might not be able to use a friend’s account.

Best Travel Debit Card in Australia

HSBC Everyday Global Account

There are a few decent banking options in Australia, but the HSBC Everyday Global Account takes the cake not only because there are no fees to use it, but also thanks to the fact that it lets you hold a total of 10 different currencies in your account!  

You can choose to pre-load your account with a certain currency before traveling or use your main currency and benefit from no foreign currency conversion fees.

• In addition to Australian Dollars, you can hold 9 other currencies in your account: US Dollars, British Pounds, Euros, Hong Kong Dollars, Canadian Dollars, Japanese Yen, New Zealand Dollars, Singapore Dollars, and Chinese Yuan
• Contactless Visa debit card with a chip & PIN
• You need to have an Australian phone number and address (no P.O. boxes) to open an account.  If you don’t live in Australia, you might be able to open an account by visiting the nearest HSBC bank to you or by simply using a friend’s phone number and address. 

Best Travel Debit Card in Europe

If you live in Europe (or even if you don’t, see below), you gotta go with N26 .  They don’t offer completely free accounts, but compared to all the others available, they are the best.

You are able to open a Euro account with N26 in any one of the following countries: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.  

Note: they used to be available in the UK, but have left ever since Brexit.  

And even if you don’t live in any of those countries, you can ask a friend living in one of them if you can use their address to receive the card, after which you can change the address no problem!

*N26 has also expanded to the US, but Charles Schwab  is still the better travel bank account and debit card for Americans to use for the time being unless your priority is fraud prevention, in which case N26 is best since it has instant notifications for transactions + the ability to freeze & unfreeze your card instantly from the mobile app.

• No monthly account fees for the standard account (9.90 EUR for N26 You & 16.90 EUR for N26 Metal)
• Free ATM withdrawals in Euros* (See Eligibility)  
• Foreign currency ATM withdrawals come with a 1.7% fee (this fee is waived if you pay for a premium account)
• Free cash withdrawals and deposits at select stores across Germany, Austria, and Italy using their CASH26 feature (deposits over 100 EUR a month get charged a 1.5% fee)
• TransferWise integration for cheaper transfers than most banks
• Online account and customer support also available in Spanish, French, German, & Italian
• Premium accounts come with Travel Insurance, Car Rental Insurance, and even Mobile Phone Theft Insurance!
• The number of free ATM withdrawals in Euros that you get depends on the country you sign up in.  Signing up in Austria or Italy gets you unlimited free withdrawals in Euros, whereas signing up in any of the other countries gets you 5 free ATM withdrawals in Euros in Eurozone countries (and only 3 of them if you sign up in Germany), after which they will cost you 2 EUR per withdrawal.
• You need to have an address (no P.O. boxes) in one of the eligible countries to open an account.  You can easily use a friend’s address when creating your account to receive the card and then change the address in your account once you get it without any issues.  Try to get a friend in Austria or Italy for the unlimited free withdrawals!

Best Travel Debit Card in the Rest of the World

TransferWise Borderless Account

Even if you don’t live in any of the countries I just mentioned or you just want another alternative, you should consider opening a TransferWise Borderless Account.  

In addition to super low international transfer fees, you can keep money in more than 50 different currencies in your account as well as have real bank accounts for the USA, UK, Eurozone, Australia, New Zealand, and Poland which also let you receive payments in those currencies like a local!

You also get a contactless Mastercard debit card which you can use to make purchases and take out cash anywhere in the world.  Whenever you use that card, if you already have the currency in your account, you don’t get charged any fees and if you don’t have it, you only get charged a small conversion fee, making it a great option for travelers.  

Sign up  using this link  and get a no-fee international transfer of up to £500!

Keep in mind that TransferWise is only able to send cards to residents of Australia, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Hungary, Iceland, Italy, Ireland, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Singapore, Sweden, Switzerland, the United Kingdom, or the USA (but you can always use a friend’s address to get the card as well).

• Foreign currency conversion fees range from 0.24% – 3.69% depending on the currencies involved, but are typically under 2%
• Free ATM withdrawals up to $250 USD (or your currency’s equivalent) per month if you have the currency you’re withdrawing on your balance.  After that, a 2% withdrawal fee will be charged
• Can keep money in 50+ different currencies in your account
• Real bank account details for the USA, UK, Eurozone, Australia, New Zealand, and Poland
• Online account and customer support also available in Mandarin, Spanish, French, Portuguese, German, Italian, Russian, Turkish, Polish, Romanian, and Hungarian.
• You need to have an address (no P.O. boxes) in one of the eligible countries to open an account.  You can easily use a friend’s address when creating your account to receive the card and then change the address once you get it without any issues.
• The Mastercard debit card is free, but you need to have a minimum of $20 USD (or the equivalent in another currency) in your account before you can order it unless you’re in Australia, in which case you don’t need a minimum balance to get the card.

And that’s all there is to it!

Having the right debit card while traveling can make a world of difference when it comes to all those annoying fees that most banks charge.  Don’t be afraid to get a debit card from more than one bank on this list either! It doesn’t hurt to have the best option for every currency possible.

Let me know in the comments below if this guide helped you find the right debit card for your travels and if there are any similar or better cards or banks in your country, let me know so I can update the list!  

And if you want to add a credit card to your wallet as well, check out my Guide to the Best Credit Cards for Traveling .

About The Author

Hi there,  I’m Sebastian , founder and creator of Travel Done Simple. Since I turned 20, I have lived in 5 different countries and traveled to over 40 others! You can learn more about me on my  About page   and find me on social media.

Hi there, I’m Sebastian , founder and creator of Travel Done Simple. Since I turned 20, I have lived in 5 different countries and traveled to over 40 others! You can learn more about me on my About page   and find me on social media.

I’m Sebastian , the founder and creator of Travel Done Simple! I was born in Europe and raised in Canada, but I now consider myself to be a citizen of the world. When I’m not busy exploring new destinations, I’m here giving you the best travel tips so you can do the same! 

You can learn more about me on my About page and if it’s your first time on my site,  start here !

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The Best Travel Credit and Debit Cards with No Foreign Transaction Fees (Updated 2022)

No matter where you go or how long you travel, using a credit or debit card with no foreign transaction fees is one of the easiest ways to save money while travelling, period.

Currency exchange booths at airports and banks can be convenient, but a lot of your money goes towards exchange fees (e.g. $10 per exchange) and hidden commissions padded into poor exchange rates (especially the booths advertising “no commissions”). With a bit of research and planning, you can save  hundreds , if not thousands of dollars in fees over the long-term!

Credit and debit cards with no foreign transaction fees are the cheapest, easiest ways to get money and make payments overseas.  Credit cards are accepted worldwide, and ATMs are internationally networked through the Visa/Plus and Mastercard/Cirrus networks. You enter your PIN and withdraw your cash just like you would at home, while the exchange rates are automatically handled by the banks.

However, some credit and debit cards are better than others!  For the majority of cards, banks still try to add commissions and fees to each payment or ATM withdrawal made abroad. Even if you don't travel a lot, these fees add up quickly.

We've rounded up the best credit and debit cards around the world that minimize or eliminate these fees, putting more money back into your adventure funds!

NOTE: These are cards to be used overseas to avoid foreign transaction fees. For the best all around travel points cards, check out the travel rewards cards section of CardRatings , as well as our free guide “ How to Get Free Flights with Travel Credit Cards and Points “!

The best travel credit cards with no foreign transaction fees

Credit cards have various features that can make or break your travel savings. Ideally, these are the features to look for in a credit card:

• Foreign transaction fee of 0%
• Competitive points or cash-back rewards program (at least 1% of the purchase price)
• Extra perks, like free car or travel insurance

The best travel debit cards with no foreign transaction fees

These are the ideal features to look for in a debit card:

• Foreign transaction rate of 0%
• International ATM withdrawal fee of $0
• Refund of third-party ATM withdrawal fees (This is rare, but it exists!)
• Competitive points or cash-back rewards program (at least 1% of the purchase price)

Many banks around the world have come together to establish the Global ATM Alliance . If your card belongs to a bank in the alliance, you can make withdrawals from banks at other alliance member ATMs around the world without paying additional fees . Here's our roundup of the best debit cards for travel.

Essential tips for using debit and credit cards while travelling

1. pay using a credit card whenever possible..

Foreign ATMs can still inflate their exchange rates and charge withdrawal fees, but a direct credit card payment only involves the credit card you signed up with in your home country. And with a good points or cashback program, this beats any other method of foreign payment.

Bottom line? Always pay with a credit card, but  NEVER withdraw cash from an ATM with one. Credit cards charge interest on cash advances from the moment you withdraw it at the ATM.

2. Never take the option of paying in your own currency

Card terminals at shops and hotels will often detect that your card is from another country and offer to bill you in your home currency. Never choose this option – always pay in the foreign currency!  The exchange rate offered will be inflated by the card terminal, so if you’re using one of the credit cards recommended above, you will receive a much better exchange rate.

3. Inform your debit and credit card providers of your travels

Credit and debit cards are frequently being monitored by security departments for suspicious activity. If you're from the U.S. and you make an ATM withdrawal in Thailand when they don’t know you’re overseas, this could appear suspicious to your bank, and your card might be locked the next time you withdraw. Give your bank or credit card provider a call and let them know when and where you’ll be travelling. Take it from us – you  do not want to be stuck without cash and a useless card!

4. Obtain at least one debit and credit card on each of the Visa/Plus and MasterCard/Cirrus networks.

Even if you follow the advice in tip #3, it’s possible your card could get locked anyway. On top of that, it’s easy to find yourself in a situation where an ATM accepts only one network and not the other. For example, when we travelled in Japan, the only ATMs we could find that would even accept international cards were at 7-Eleven, and they only worked with cards on the Visa/Plus network. I speak from experience – there’s nothing more stressful than needing more cash and not being able to withdraw it, so be prepared and bring multiple cards on multiple networks .

5. Consider a credit card with included insurance

The jury is still out on whether it's safe to rely on car and travel insurance that is sometimes provided by credit cards, and unfortunately, the only way to know for sure is to file a claim after the accident has happened. If you're concerned about insurance, its best to be safe and purchase it from the car rental company, but if not, you might as well pay with a credit card that offers car insurance and hope for the best if you do end up in an accident. We generally try to use American Express cards when thinking about insurance, as they are managing the insurance on the cards worldwide, whereas Visa/Mastercard insurance is often handled by the card's issuing bank, and may not be as straightforward to redeem.

6. Keep backup cards in your hotel room

If you lose all your credit and debit cards while overseas, you're going to be in quite the pickle. Always keep at least one extra card back at your accommodation in case your main card or entire wallet is lost or stolen while you're out.

7. Bring $100 USD as backup cash

When all else fails, U.S. dollars are the closest thing to a global currency that we have today. It's the most commonly accepted currency, not only at exchange booths, but even at shops and restaurants in other countries. If there are no ATMs in sight or your cards have been stolen, an emergency backup of U.S. dollars will get you out an emergency situation.

Do you have another card recommendation? Know something we don't? Write it in the comments below!

Psssst : for more guides like this, Like Us on Facebook  and  follow us on Twitter !

Thrifty Nomads has partnered with CardRatings for our coverage of credit card products. Thrifty Nomads and CardRatings may receive a commission from card issuers. Opinions expressed here are author's alone. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Nice! This is really helpful thanks!

Great tips for travelers!

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What are the best U.S. debit and credit cards to use overseas?

Just got off a long phone call with HSBC Canada. They are unable to tell me what their card issuer exchange rate surcharge. I had just come back from Mexico and used my HSBC ATM card on a HSBC ATM machine and I calculated the fee to be about 2.1% based on that days interbank rate. Shouldn’t this fee be in the disclosure statements? There was a class action lawsuit I believe many years ago because the credit card companies failed to state their foreign exchange surcharge. From what I’m reading on the Global ATM website is that Visa is involved with the foreign exchange when using an ATM and it states they add a 2.5% foreign exchange fee. You didn’t show this in your nice graphics above. Is it berried in the base exchange rate?

We use Visa Avion, which is good in all categories but I believe they do charge a slight foreign transaction fee. But we have claimed through their default insurance, both car, health, and travel. All minor things, but ya, no issues. The card is not free however, and unless you spend a lot each month or travel frequently it’s not worth it. For us, the points for the business transactions transfer to personal, so it really adds up! (Currently we have more than enough to fly the entire family pretty much anywhere. ) When abroad we usually only use the card for car rental or nicer hotels and of course flights or trains and such (to access insurance benefits one must book the flight etc on that card…) But read the fine print, confirm with the agent. For example, usually to get car insurance you have to wave the rental companies insurance. (This saved us a ton in Africa!) The rental agencies will even phone and confirm if they don’t know the card. These cards were set up for frequent business travelers originally. But read the fine print too, I know our card covers 30 days from home, but you can add insurance to the card for longer trips too. It’s all through RBC, and like any blood sucking corporation there are advantages for the savvy but their ultimate goal is to get you to pay twice for the same thing. Read the fine print, phone your card agent, etc… But we honestly have found the Avion worth it for us because of the company points.

This info is super helpful! For Canadians, what about the Marriott Rewards® Premier Visa® Card? I’ve been looking into credit and debit cards for an upcoming trip to Southeast Asia, and came across this card today. From what I can tell, it seems pretty good (no foreign currency transaction charges and has perks). Anyone have any experience or thoughts on this card? Thanks!

so where do you find that tangerine thrive chequing account info? I have an account with tangerine and I can find no info on this animal on their website

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5 Best Debit Cards for International Travel of 2024

So, you’re finally going to take that long dreamed of vacation overseas. Maybe you’re going to Paris for the first time. Perhaps you’ve planned a trip to Spain to see the running of the bulls.

Or, if you’re the more adventurous type, perhaps it’s a safari in Africa. Whatever place you’ve decided to visit, you’ve put a lot of thought into it.

Traveling abroad takes all kinds of prep work. You’ve likely checked the weather to know what clothes to pack. You’ve checked with your doctor to see if you need any vaccinations.

You have your passport in order, and the plane tickets are waiting for you at the gate. But have you thought about how you’re going to get access to your money once you arrive?

When traveling overseas, it’s not as simple as swiping your debit card at the register or hitting up the nearby ATM. We’ll let you in on the best debit cards for international travel so you can go abroad with confidence.

Best Debit Cards with No Foreign Transaction Fees

Many big banks may make you pay through the nose to take out some spending cash when you’re on an overseas trip. However, some banks offer debit cards with no foreign transaction fees.

Here’s a list of the top five banks you should use for your debit card if you’re going to be traveling outside the country.

Chime Checking Account: $0 Transaction Fees

• No credit check
• No minimum opening deposit or monthly service fee
• No overdraft fees
• Over 60,000+ fee-free 1 ATMs
• Get paid up to 2 days early with direct deposit 2

Chime® is an online financial institution offering low-fee checking and saving services. And if you travel a lot, you’ll want to check them out.

They provide a debit card that comes with the major advantage of no foreign transaction fees, thereby saving you money on international purchases.

While there’s a $2.50 charge for using out-of-network ATMs, Chime offers access to over 60,000 fee-free ATMs, allowing you to withdraw money without incurring additional costs.

Even if you can’t find those ATMs when you’re abroad, the Chime Checking account is easy to manage. There are no monthly fees or minimum balance requirements.

So if you occasionally have to pay those ATM fees when you’re in another country, the overall cost-saving benefits provided by your Chime account significantly balance this minor setback.

Schwab Bank High Yield Investor Checking Account: No Fees

• No fee checking
• Unlimited ATM fee rebates worldwide
• No minimum balance requirement
• 0.45%APY on your checking account balance

This account comes with a few requirements, but they’re worth it if you travel abroad frequently. There is no foreign ATM fee, and they’ll even refund any operator fees each month.

Additionally, when you sign up for a bank account, you’ll receive a Schwab Bank Visa Platinum debit card . You don’t have to worry about any foreign exchange transaction fees when you use it.

There’s no monthly service fee, and Schwab reimburses you for all ATM and foreign transaction fees incurred.

So, what’s the catch?

It’s a pretty small one. You have to link your checking account to a Schwab One brokerage account. The good news is that as long as you have both accounts, you are not obligated to invest or leave any money in your investment account.

The only downside is that there is a $1,000 minimum opening deposit. But you can always transfer that out once you have both accounts set up.

Fidelity Cash Management Account: ATM Fee Rebates Worldwide

• Hassle-free banking
• Worldwide ATM fee rebates
• No minimum balance or monthly fee
• Earn up to 2.60% APY

The Fidelity Cash Management account , provides convenience if you’re often on the move globally. There is no foreign ATM fee, and Fidelity reimburses all the operator fees incurred, making your overseas transactions smoother.

When you open an account, you are provided with a Fidelity®Visa®Gold Check Card. This card does come with a slight inconvenience – a 1% foreign transaction fee on ATM withdrawals and purchases. However, this minor drawback could be overshadowed by the numerous advantages the card offers.

The account operates with no monthly fee, and the money in the account is safely stored in an FDIC-insured bank account, offering you an additional layer of security.

Plus, Fidelity takes up the responsibility to cover all your international ATM fees, further minimizing your travel expenditure.

Capital One 360: $0 Transaction Fees

• No service fees
• No overdraft charges
• Get paid early up to 2 days sooner

The Capital One 360 checking account is easy to access for anyone. There is no minimum deposit or ongoing balance requirement and no service fee.

Additionally, Capital One does not charge foreign transaction fees when you use your Mastercard debit card overseas.

The same holds true when you use your Capital One debit card for cash withdrawals from any ATM in the world. However, you will have to pay the ATM operator fees.

If you’re traveling in Canada, the UK, Puerto Rico, Mexico, or Australia, you get free ATM withdrawals at either Capital One Bank or Allpoint ATMs.

Betterment: ATM Fees Reimbursed

• ATM fees & foreign transaction fees are automatically reimbursed
• Earn up to 5.50% APY and cash back rewards

Betterment is not a bank. Instead, it offers accounts through its affiliate banks. This means the company can offer banking products without the typical banking fees. And the account is FDIC-insured for up to $250,000, so you know your money is safe.

When you sign up for a Betterment savings account, you won’t pay any fees whatsoever. In addition, Betterment will reimburse you for any ATM fees, regardless of which location you use.

The checking account comes with a Visa debit card that’s equipped with tap-and-go technology. Plus, Betterment’s intuitive mobile app makes it easy for you to manage your account, regardless of where you are.

You can use your Betterment debit card abroad wherever Visa is accepted. Visa does charge a 1% fee on all foreign transactions, purchases, and ATM withdrawals, but Betterment will reimburse you for all of these charges.

Before you go, make sure you contact the company to let them know you’ll be traveling abroad. That way, they can ensure that your debit card won’t get blocked during your travels.

Best International Debit Cards with Low Foreign Transaction Fees

Ally bank: 1% fee.

Ally Bank stands out as a top contender for the best international debit card with low foreign transaction fees. With its low fee structure, Ally charges a 1% fee for foreign transactions, which is one of the lowest rates in the industry.

Many banks choose to charge flat fees, which could be more costly if you’re not planning on withdrawing significant amounts of money during your travels.

Additionally, Ally Bank shows its customer-centric approach by offering a refund of up to $10 each month for out-of-network ATM fees. This means you won’t have to worry about incurring unnecessary costs when you need to withdraw cash while abroad.

Another noteworthy feature of Ally Bank is the Ally Interest Checking Account. This account offers up to a 0.25% APY (Annual Percentage Yield), meaning your balance can grow over time, a benefit not typically associated with checking accounts.

Most importantly, Ally Bank does not impose any monthly or service fees on their account holders. This makes their banking services affordable and user-friendly, especially for those who travel frequently.

So, whether you’re vacationing in Bali or on a business trip to London, Ally Bank’s international debit card offers cost-effective, convenient, and flexible banking solutions.

Citizens Bank: 2% Fee

Citizens Bank is a great regional bank based in Rhode Island that serves a large portion of the northeastern United States.

When it comes to international debit card transactions, Citizens Bank charges a 2% foreign transaction fee. While this fee is slightly higher than what Ally Bank charges, it remains much more competitive when compared to other large institutions like Bank of America or Chase.

For those traveling abroad frequently or conducting international business, this fee structure could lead to considerable savings.

It’s important to note that Citizens Bank charges $9.95 for a basic checking account. Despite this cost, the bank’s services and fee structures offer value that outshines many other banking options, particularly for residents of the 11 states where the bank operates.

However, potential customers should be aware of this geographical limitation, as they will need to reside in one of these states to take advantage of Citizens Bank’s offerings.

Citizens Bank stands out as a sound choice for residents of the northeastern United States seeking an international debit card with comparatively low foreign transaction fees.

How to Choose the Best International Debit Card

If you’re a frequent traveler or someone who regularly makes purchases from foreign merchants, selecting the best international debit card is crucial. With a plethora of options available, making the right choice can be overwhelming. Here are a few factors to consider when picking an international debit card that is tailored to your needs:

• Acceptance: You should ensure that the checking account and debit card you choose is accepted in the countries you plan to visit. You wouldn’t want to be caught in a sticky situation where your card gets declined at the point of sale or while withdrawing money from an ATM. That said, it’s safe to opt for a card that belongs to the Visa or Mastercard network as they are widely accepted internationally.
• Fees: Evaluate is the fee structure associated with the debit card. You’ll want to look for a card that has low or zero foreign transaction fees as they can quickly add up and burn a hole in your pocket. Besides this, it’s worth checking if the bank charges an ATM withdrawal fee or any other fees.
• Exchange rates: Check the exchange rates offered by the bank or the card provider. Having a favorable exchange rate can save you a significant amount of money on foreign transactions.
• Rewards: Some international debit cards come with lucrative rewards programs that allow you to save money or earn points when you use your card. It’s worth considering the rewards offered and determining if they align with your spending habits and travel plans.
• Accessibility: A bank or a card provider with a robust international presence, having a large network of ATMs and branches, can make it easier for you to access your money and get assistance if required.
• Travel insurance: Another vital consideration when traveling abroad is to ensure that you have adequate travel insurance. Some international debit cards provide it as a part of their package, so it’s worth exploring the options.
• International money transfers: If you plan to send or receive money while traveling, you’ll want to look for a debit card that offers international money transfer services.
• Customer service: Having access to reliable customer support can be helpful, especially when you’re in a different time zone. Thus, it’s beneficial to choose a bank or a card provider that offers round-the-clock customer support.
• Security: In today’s digital age, it’s essential to select a debit card that prioritizes safety and security. You’ll want to choose a card that provides enhanced security features, such as fraud protection, the ability to set spending limits, and EMV chip technology, which adds an extra layer of protection against fraud.
• Zero liability: Make sure the debit card you choose has a zero liability policy in case of fraud or theft, which will ensure that you don’t bear any financial loss.

Should you use your debit card when traveling abroad?

The short answer to whether you should use your debit card is yes, you can. Visa, MasterCard, and other major credit card processors operate worldwide.

Your debit card will likely work in most countries you visit. There are, however, a couple of considerations to make before you travel to ensure your safety while getting the best deal.

Let Your Bank Know

When traveling abroad, it’s a good idea to let your bank know where you’ll be going. It’s one thing to have your debit card declined at the Starbucks around the corner from your house. It’s another thing to have your card declined and frozen while exploring the bazaars in Calcutta.

If you tell your bank when and where you’ll be traveling, their fraud alerts won’t be triggered when you purchase falafel thousands of miles from home.

Download the Mobile App

You should also download and activate your bank’s mobile app. Banks and credit card processors can use your phone’s GPS location to determine that you’re in the same location as the card you’re attempting to use.

Visa’s Mobile Location Confirmation software is built into most banking apps. It can confirm your physical location and allow a transaction to occur.

Make sure you accept all the terms and conditions of your banking app if you want to activate this feature. Again, contact your bank if you’re unsure and give them a heads-up that you’ll be out of the country.

Are there additional fees for using your debit card internationally?

Banking fees can vary widely from institution to institution. So, your bank may make it easier and safer to make debit card purchases when you’re out of the country. However, they could be charging you a lot on the back end.

Have you ever withdrawn cash from an out-of-network ATM when you’re in your hometown? Many banks will charge you $3 to $5 to do that, even if you’re just blocks from home. These bank fees can increase even more when you leave the country.

Withdrawing money from an ATM when you’re out of the country is no different from when you’re in the States. The fees you pay, though, will depend on the bank, and you should check before you go on vacation.

You can expect to pay fees that range from $2 to $5, plus an additional 2% to 3% of the total withdrawal amount.

Foreign Transaction Fees: What the Big Banks Charge

Ready to see how your bank stacks up? Here’s a list of nationwide banks that charge relatively hefty fees for international ATM use.

If you make an ATM withdrawal of $100 from an ATM in another country and you use any of these banks, you could be paying up to 8% just for the privilege of accessing your money. Sure, some customers have premier checking accounts and preferred cards, but you can expect to pay some hefty ATM fees if you don’t.

Debit cards are the easiest way to access cash when you’re out of the country, but it will cost you — unless you pick the right bank.

Alternative Payment Solutions for Overseas Travel

While using debit cards for traveling abroad is probably the best option, there are other options as well.

Credit Cards

Many credit cards offer competitive foreign transaction fees and can provide additional benefits such as travel insurance and reward points. Some credit cards also offer zero foreign transaction fees. However, it’s important to inform your bank about your travel plans to prevent your card from being blocked due to suspicious foreign activity.

Mobile Wallets

Mobile wallets like Apple Pay, Google Wallet, or Samsung Pay can be useful for contactless payments overseas, provided that the destination country has the necessary infrastructure. They offer the advantage of not having to carry physical cards, reducing the risk of loss or theft.

Pre-loaded Travel Cards

Some banks and financial institutions offer pre-loaded travel cards that can be loaded with a foreign currency of your choice. This allows you to lock in the exchange rate before you travel.

International Money Transfer Services

Services like PayPal, Western Union, and TransferWise allow you to send money abroad, which can then be withdrawn in the country’s currency. These services, however, often involve fees or exchange rate markups.

Cryptocurrencies

Some tech-savvy travelers use cryptocurrencies like Bitcoin for international transactions. A small but growing number of businesses around the world accept such currencies. Be mindful, though, that cryptocurrencies can be volatile, and the regulatory environment can vary greatly from country to country.

Traveler’s Checks

Traveler’s checks, once a preferred payment option for globe-trotters, offer security since they can be replaced if lost or stolen. Backed by established companies like American Express, they are recognized worldwide.

However, their utility has diminished over time due to high costs, including commission and exchange fees. In addition, they have limited direct usability, often requiring conversion into the local currency at exchange bureaus.

Prepaid Debit Cards and Gift Cards

Prepaid debit cards , once a convenient, anonymous option for international money transfer, fell from grace due to misuse. They became popular with criminals, leading to the 2009 Credit Card Accountability Responsibility Disclosure (CARD) Act, which now limits their overseas use.

Today’s prepaid Visa or MasterCard requires a name, ID, and usually bank association, but remain a viable option. Check out this list of top-rated prepaid debit cards .

It’s always a good idea to have some local currency on hand for emergencies or for vendors who don’t accept debit or credit cards. Be mindful to exchange your currency in trusted places and not to carry too much cash at once for safety reasons.

Exchanging Currency at the Airport

You can go to a currency exchange like Travelex to swap your dollars for whatever foreign currency you’ll be using for your visit. It’s fast, easy, and you can likely do it on your way to pick up your luggage.

The issue is that you’ll now be carrying large amounts of cash in an unfamiliar place, and there’s still the issue of large foreign exchange fees. Exchange rates at airports are the worst. You’ll pay a hefty currency conversion fee and very high rates.

On the other hand, a debit card can be safely tucked away and easily replaced if it’s lost or stolen.

See also: Where to Exchange Currency: Low-Fee Options

Bottom Line

When deciding on the best debit card to use internationally, it’s not always about the money. Talk to your bank and find out what security services and protections they offer. Transaction fees are important considerations, but so are fraud protection and safety procedures.

The best debit card for you may just be the one that keeps you happy and hassle-free while visiting the port of your dreams or that mountain you’ve always wanted to climb.

Enjoy your vacation!

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.

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The Best Debit Card for International Travel

By Ryan Craggs

For all the joy that comes from traveling, the lead-up can gnaw away at your excitement. Few aspects of planning cause as much stress as money. Even after you've booked your tickets and hotel, you'll still need cash, and banks love to charge you fees; in some cases, you'll pay $5 for the pleasure of using a foreign ATM, plus a three percent foreign exchange fee. If you take out $100 at a time, for example, you'd be paying an eight percent fee before you even buy anything. And currency exchange bureaus, despite their convenience, commit airport robbery worse than the Lufthansa heist , based on the terrible exchange rates.

Rather than letting some middleman take your hard-earned cash, you can avoid heavy fees by simply having the right debit card. Fees vary by bank and account, of course, but avoiding ATM and foreign exchange fees will save you a bundle.

The Simplest, Money-Saving Card

If you're consistently traveling outside the U.S., the Schwab Bank High Yield Investor Checking Account debit card will keep your life simple and your wallet fat. Although you'll pay ATM fees—say, $2.50 when you withdraw cash—Schwab reimburses you for all those fees at the end of the month. That applies to both foreign and domestic ATMs, too, so whether you need €40 to pay for cacio e pepe at a cash-only trattoria in Rome, or just need $20 to buy snacks from a New York bodega, Schwab won't charge you for doing business. The bank's generous with its ATM allowance because it has only two brick-and-mortar branches in the entire world—and they're both in Reno, Nevada . Good for Reno, and great for you.

Aside from reimbursing you for ATM fees, the Schwab account also doesn't charge foreign exchange fees—that pesky percentage frequently tacked on by your banks. Even if you take out cash from an ATM in larger amounts (say, $500 at a time), there's no way to avoid that three percent surcharge. Lots of popular checking accounts include that percentage.

• Chase Total Checking : $5 ATM fee, plus three percent foreign currency fee.
• Bank of America Core Checking : $5 for ATMs outside the Bank of America network, plus three percent International Transaction Fee.
• Wells Fargo Opportunity Checking : $5 for non-Wells Fargo ATMs outside the U.S., plus three percent international debit card purchase fee.

Adding $5—or worse, $5 plus three percent—to every transaction adds up pretty quick. And that doesn't even factor in paying the three percent fee when you use your card for purchases.

Now, not all debit cards charge every fee at every ATM. Fidelity's Visa Gold Check Card reimburses you for ATM fees, but it charges a one percent foreign transaction fee. Conversely, the TD Bank Visa Debit card doesn't charge any foreign transaction fee, but does charge $3 for every non-TD Bank ATM transaction. And Bank of America has a robust partner network that allows you to avoid fees at partner ATMs—but that requires you reading up on which banks that involves, and finding those physical branches and ATMs yourself. With the Schwab card, you don't have to think about it.

While it may seem cumbersome to switch checking accounts, you can also just open the Schwab account for the sole purpose of travel, then deposit the amount of cash you think you'll need for your trip. And since it has no minimum balance or maintenance fees , you can even leave it dormant until your next trip, if you so choose. As an added bonus, you'll get 0.15 APY on your balance—a paltry amount, sure, but they give you money just for parking your cash there, instead of charging you for the privilege.

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• Checking Accounts

3 Best Debit Cards for International Travel

• Fidelity Cash Management
• Schwab High Yield Investor Checking
• Capital One 360 Checking

Frequently Asked Questions (FAQs)

There's a long checklist of things to be sure you've covered when you're traveling out of the country—like making sure you can spend money. Before jet-setting off to your next big destination, take a few extra steps to make sure you can access your funds if you need to without paying a ton of extra fees. For example, some debit cards charge a foreign ATM fee when you use an ATM in another country. You might also have to pay additional currency conversion or foreign transaction fees on each transaction you make. The best debit cards for international travel will help you reduce, or even eliminate, those fees.

Using a debit card over a credit card can be beneficial, because it's linked to your bank account. When you swipe, the funds are taken out of your checking account. That means you won't have to worry about repaying a credit card balance.

Using a debit card for international travel is useful for withdrawing local currency from an ATM for expenses like tipping or paying merchants who don't accept credit or debit cards. You wouldn't want to use a credit card at an ATM, since the transaction would be treated as a more expensive cash advance . So which are the best debit cards for international travel? Let's take a look.

Fidelity Cash Management Account

As a customer of the Fidelity Cash Management Account, you'll receive the Fidelity Visa Gold Check Card, which is one of the best debit cards for international travel. You'll pay a low 1% foreign transaction fee on transactions completed outside the United States.

You can also access more than one million ATMs worldwide and get reimbursed for ATM fees you're charged from other ATMs. EMV technology ensures that your information is safely transmitted when you're making purchases and withdrawals from ATMs, protecting your account from future fraud.

The card doesn't just save on ATM fees, it also includes a few extra perks that may come in handy while you're traveling internationally. With the Fidelity Visa Gold Check Card, you'll also get a 90-day extended warranty, travel and emergency assistance, worldwide travel accident insurance, and an auto rental collision damage waiver.

With the Fidelity Cash Management Account, you'll pay no monthly fees. You don't have to maintain a minimum monthly balance. Your deposits will be insured up to $1.25 million, which is more than traditional checking and savings accounts at other banks.

Schwab High Yield Investor Checking Account

With the Schwab High Yield Investor Checking account, you won't pay any fees on your checking account at all. That means no ATM fees when you use an ATM in another country, and no foreign currency conversion fee if you withdraw funds in another currency. Keep in mind that when you use an ATM outside your bank's network, the ATM operator may also charge you a fee.

You can't avoid the ATM fee, but Charles Schwab will refund it with no limits on the refunds. There are also no service fees or account minimums.

You'll need to open and link a Schwab One brokerage account, which can be opened and maintained with no fees. A brokerage account offers the ability to trade stocks, mutual funds, and other financial products.

Capital One 360 Checking Account

If you don't like the sound of opening a brokerage account, consider the Capital One 360 Checking Account for a debit card for international travel. Capital One doesn't charge a foreign transaction fee on transactions made in other currencies, which means you can use your debit card for purchases without paying for the currency conversion.

If you can locate a Capital One or Allpoint ATM while you're traveling, you won't have to pay an ATM fee on cash withdrawals either. The Allpoint network includes over 55,000 ATMs all over the world. You can download an app to your smartphone to locate an Allpoint ATM near you.

You can open a Capital One 360 Checking Account with no minimum deposits and no minimum balance requirements. You can also earn 0.10% APY on your balance.

Do you need to let your bank know when you travel with your debt card?

It's always a good idea to contact your bank before you use a debit card while traveling. Banks and credit card issuers try to protect you from fraud and will block transactions that look suspicious or outside your normal patterns of behavior. If you don't notify your bank that you'll be spending money far from home, your transactions may be declined, creating unnecessary headaches on your trip.

Should you travel with a debit card?

Yes. Your debit card gives you much-needed access to cash when you're traveling, and it allows you to carry less cash at any given time. You should, of course, be careful not to lose the card—and call your bank immediately to freeze it if you do.

Wells Fargo. " Wells Fargo Consumer and Business Account Fees ."

Capital One. " Is There a Fee When I Use My Debit Card Abroad? "

Discover Bank. " How to Avoid Common Credit Card Fees ."

Fidelity Investments. " Debit Card Agreement and Disclosure Statement ." Page 2.

Fidelity Investments. " Cash Management FAQs: ATM/Debit Card ."

Fidelity Investments. " Cash Management From Fidelity ."

Consumer Financial Protection Bureau. " Amendments to Disclosures at Automated Teller Machines (Regulation E) ," Page 2.

Charles Schwab Corporation. " Brokerage and Trading Account ."

Charles Schwab Corporation. " Schwab Bank High Yield Investor Checking® Account ."

Capital One. " Is There a Free When I Use My Debit Card Abroad ?"

Allpoint. " What is Allpoint? "

Capital One. " What’s a 360 Checking® Account? "

We'll Be Right Back!

5 Best Debit Cards for International Travel With No Foreign Transaction Fee (Updated For February 2024)

Jarrod Suda

A writer and editor at Monito, Jarrod is passionate about helping people apply today’s powerful finance technologies to their lives. He brings his background in international affairs and his experiences living in Japan to provide readers with comprehensive information that also acknowledges the local context.

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

As an American traveler with experience exploring both Eurozone and non-Euro countries, as well as East and Southeast Asia, I've felt the frustration of dealing with high fees and inconveniences when using traditional bank debit cards for international travel. Having personally relied on Revolut and Wise during my own journeys, I've been able to avoid foreign transaction fees and charges for local ATM withdrawals.

Debit cards with no international transaction fees are solid options because you'll get the low currency conversion rates from VISA and Mastercard, without the markup. But for an even better experience, multi-currency accounts like Revolut allow you to hold local currency and be treated as a local cardholder.

In addition, the ideal debit card should offer additional features like virtual cards for added safety, instant card freezing, and travel benefits. This guide will present five top-notch no foreign transaction fee debit cards, including Revolut , Wise , Chime , and more, designed to meet your needs while traveling internationally.

In general, we consider  Revolut  the best international travel debit card. It has a generous fee-free ATM withdrawal allowance of $1,200 monthly, and you can hold balances of 30+ foreign currencies. ✨ Get three months of free Revolut Premium as a Monito reader with our  exclusive link .

However, if you're from the UK or Canada, here are a few more recommendations to explore:

• Best for travelling from the UK:  Starling Bank
• Best for travelling from Canada:  KOHO
• Best US checking without FX fees: Chime

Key Facts: Using Your Debit Card Overseas

The 5 best debit cards for international travel in 2024.

• 01. Revolut (available globally) scroll down
• 02. Chime (available in the USA only) scroll down
• 03. Wise (available globally) scroll down
• 04. Capital One (available in the USA only) scroll down
• 05. Starling Bank (available in the UK only) scroll down
• 06. Bottom line about the best debit card for international travel scroll down

Consider These Factors When Choosing a Debit Card for International Travel

When it comes to selecting a debit card for your international adventures, there are a few key factors that can ease your travel experience:

• No foreign transaction fees: Look for a debit card that eliminates foreign transaction fees , which often come as a percentage of the purchase total. Make purchases abroad without incurring unnecessary charges, saving your money for more enjoyable experiences.
• Fee-free or low-fee ATM withdrawals: Find a debit card that offers fee-free or low-fee ATM withdrawals . While not all banks will reimburse fees from ATM machines, many will at least not charge you for taking out cash abroad. In many cases, though, you'll incur a fee from the ATM network itself, which is often impossible to avoid entirely.
• Travel perks: Consider debit cards that come with additional travel perks. These can range from discounts on accommodations and transportation to access to airport lounges or travel insurance.
• In-app security: Opt for a debit card that provides virtual card options for enhanced security from pickpockets. Many apps also allow you to freeze your cards instantly if the physical debit card gets lost or stolen.
• Backed by a major issuer: Ensure that your chosen debit card is provided via a major issuer such as VISA, Mastercard, or other reputable companies. This ensures wider acceptance and reliability, giving you peace of mind during your travels.

Do Debit Cards Work Abroad?

Yes, debit cards do work abroad , and you can learn more about why, when, and where in our dedicated guide on the subject .

The key thing to know here is that VISA and Mastercard cards (as well as those from smaller payment providers, although to a lesser extent) are accepted worldwide with few exceptions. As long as the merchant accepts them instead of cash, you'll be able to pay. Accordingly, be on the lookout for signs like this one when you're traveling, which you'll often find on storefronts or next to the teller:

How to Reduce ATM Withdrawal Fees

Although searching for an ATM from which to withdraw cash while you're abroad might seem like a spur-of-the-moment decision, you can often benefit from planning a little in advance.

If you plan to withdraw cash while abroad, we suggest looking for a partner within the Global ATM Alliance network and planning your ATM visit there instead of visiting any old machine you find on the street (especially not the ones at tourist hotspots!). The Global ATM Alliance consists of banks worldwide that waive international ATM access fees. Here's a list of Global ATM Alliance Partners for you to check.

If you don't have access to a Global ATM Alliance bank, always try to use an ATM that belongs to a local bank rather than a generic cash machine like Euronet . By doing so, you can have greater confidence that you will receive the mid-market exchange rate , although you'll probably still incur a fixed ATM withdrawal fee from the ATM network itself. Check out our guide to the cheapest ways to get cash abroad to learn more about keeping your costs down in this regard.

Revolut (Global)

Revolut offers an excellent debit card to use abroad because it allows you to hold over 30 currencies and spend money in over 150 currencies. Revolut charges an industry-low 0.2%-0.4% fee on weekdays to convert your home currency to the local currency of your travel destination. Then, when you use the local currency with your Revolut card, you'll avoid both typical foreign transaction fees and  dynamic currency conversions .

• Trust & Credibility 8.9
• Service & Quality 7.9
• Fees & Exchange Rates 8.3
• Customer Satisfaction 9.4

You will also be able to withdraw cash from ATMs worldwide without incurring any fees (up to a $1,200 limit per month, depending on the type of account you have), although third-party ATM fees may still apply. After that $1,200 limit, each withdrawal will incur a 2% fee. This is quite generous when compared to its competitor, Wise, which has a $250 per month limit.

With their paid plans, you can even get discounted airport lounge access for you and a friend, travel insurance for delays and baggage, and medical insurance coverage.

• No  foreign transaction fees ;
• Fixed fee between 0.2% and 0.4% to exchange currency;
• ATM withdrawals of $1,200 per month fee-free;
• More info: Read our Revolut review or visit their website .

Chime (USA Only)

Chime is a good debit card for international travel thanks to its no foreign transaction fees¹. Unlike multi-currency accounts like Revolut (which let you hold local currency), Chime uses the live exchange rate applied by VISA. This rate is close to the mid-market rate, and Chime does not add any extra markup to your purchases.

• Trust & Credibility 9.5
• Service & Quality 8.8
• Fees & Exchange Rates 9.8
• Customer Satisfaction 9.6

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

While Chime waives ATM fees at all MoneyPass, AllPoint, and VISA Plus Alliance ATMs within the United States, this fee waiver does not extend to withdrawals made outside the country. For withdrawals abroad, Chime applies a $2.50 fee per transaction, with a daily withdrawal limit of $515 or its equivalent. This is in addition to any fees charged by the ATM owner. Therefore, we recommend Chime primarily for card purchases rather than relying on it for withdrawing cash while traveling internationally.

• No  foreign transaction fees ¹;
• Uses VISA's exchange rate ( monitor here ):
• A $2.50 fee per ATM withdrawal made outside of the United States;
• More info: Read our Chime review or visit their website .

Wise (Global)

Wise Multi-Currency Account is an exceptional debit card option for international travel, particularly for customers in Canada where Revolut is not available. With the app, you'll be able to hold and spend money in over 50 currencies. When converting your home currency to the local currency of your travel destination, Wise charges a minimal fee, often ranging from as low as 0.35% to slightly above 2% for less common currency corridors. By paying with the local currency on your Wise card, you'll be treated as a local cardholder, bypassing both the typical foreign transaction fees and dynamic currency conversions.

• Trust & Credibility 9.3
• Service & Quality 8.9
• Fees & Exchange Rates 7.6

Furthermore, Wise enables you to withdraw cash from ATMs worldwide without incurring any fees, up to a monthly limit of $250. However, make sure to note that third-party ATM fees may still apply. And once the $250 limit is exceeded, each withdrawal will be subject to a 1.75% fee.

• Fixed fee ranging from 0.35% to 2% for currency exchange;
• Fee-free ATM withdrawals of up to $250 per month;
• We ranked Wise as the best account for international students ;
• More info: Read our Wise review or visit their website .

Capital One (USA Only)

Capital One 's 360 debit cards are much more transparent about waiving international transaction fees than other big American banks. When you use the card abroad, Capital One applies the live exchange rate provided by the card issuer (they have a wide range of card options, and they partner with VISA, MasterCard, American Express, and others). Capital One does not impose any additional markups when you spend your USD in foreign countries. However, make sure to enroll in their 360 accounts to avoid potential fees because they may charge a fee of $2, plus 3% of the total transaction amount, for non-360 products.

• Fees & Exchange Rates 10
• Customer Satisfaction 8.7

Capital One is part of an alliance that includes AllPoint, MoneyPass, and other partners, giving you access to over 70,000 ATMs throughout the United States. However, this coverage is limited to the US, so when making international ATM withdrawals, Capital One may charge a fee of $2 per transaction in addition to potential fees imposed by the ATM owner. All of this makes 360 Checking a far better alternative to spending abroad than with debit cards from other US banks like Wells Fargo or Bank of America .

• Uses the live exchange rate provided by the card issuer;
• Potential $2 fee per international ATM withdrawal;
• More info: Read our Capital One review or visit their website .

Starling Bank (UK Only)

Starling Bank stands out as one of the premier debit cards for international travel for customers in the UK , thanks to its absence of foreign transaction fees. If you solely have their GBP account, your Starling Bank card will apply the live exchange rate used by MasterCard, which closely aligns with the mid-market exchange rate. Moreover, Starling Bank provides EUR and USD accounts for an additional fee, making it an ideal choice for traveling to countries that accept these currencies. In such instances, your Starling Bank debit card will access these account balances, allowing it to be recognised as a local card.

• Service & Quality 8.5
• Customer Satisfaction 9.3

One of the most compelling features of Starling Bank is its complete exemption from ATM fees, both domestically and internationally. Irrespective of the amount of cash withdrawn or the frequency of withdrawals, Starling Bank never imposes any fees for ATM transactions. While third-party fees may still apply, as determined by the ATM owner, this travel benefit solidifies Starling Bank's position as the top debit card for international travel for UK residents and citizens.

• Availability of multi-currency accounts in EUR and USD;
• Uses of MasterCard's exchange rate ( monitor here );
• No fees for international ATM withdrawals;
• More info: Read our Starling Bank review or visit their website .

Curious to See How They Compare?

If you'd like to see how the debit cards we explored above compare head-to-head, take a look at the table below:

Last verified: 8 January 2024

Bottom Line: The Best Debit Cards for International Travel in 2024

Now is the perfect time to plan your next trip and ensure you have the right debit cards for seamless international travel. With these cards, you can store local currency, avoid pesky international transaction fees, or reduce international ATM fees when you need local cash.

Best of all, they all offer virtual cards that can be instantly added to your digital wallet for convenient contactless payments while adding an extra layer of security. With their smartphone apps, you'll have complete control, allowing you to freeze the card instantly in case of loss or theft.

Take a look at the summary below for the best debit cards for international travel:

• Revolut : Best overall US debit card for international travel
• Chime : US digital account without foreign transaction fees
• Wise : Multi-currency account with most currency options
• Capital One 360 : Best US bank for international transactions
• Starling Bank : Best ATM card in the UK for international travel

Disclaimers

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

¹ Out-of-network ATM withdrawal and over-the-counter advance fees may apply. See here for details.

² To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

³ The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change anytime. The disclosed APY is effective as of September 20, 2023. No minimum balance is required. Must have $0.01 in savings to earn interest.

⁴ On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.

⁵ SpotMe® on Credit is an optional, no-interest/no-fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Credit Builder Account. SpotMe on Debit is an optional, no-fee overdraft service attached to the Chime Checking Account available to qualifying members after Visa debit card activation. Both SpotMe on Credit and SpotMe on Debit are sometimes collectively referred to as "SpotMe" or, if you have signed up to use SpotMe with only one account, "SpotMe" means the elected service. To qualify for SpotMe, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account monthly. Qualifying members will be allowed to overdraw their Chime Checking Account and/or Secured Deposit Account (associated with your Chime Credit Builder credit card) up to $20 but may be later eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe Debit Terms and Conditions and SpotMe on Credit Terms and Conditions .

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• Send money from the USA to Austria
• Send money from the USA to South Korea
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• Send money from Canada to India

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The 6 Best Travel Cards for the US 2024

If you live in the US but travel often abroad, a travel money card can make spending in foreign currencies cheaper and more convenient. Travel money cards also have the bonus that they can be cheaper when you shop online with foreign retailers, as there’s often no foreign transaction fee to pay.

Different types of travel money cards, including travel debit cards, prepaid travel cards and travel credit cards, are available to support different customer needs. The right one for you will depend on your personal preference and how you like to manage your money. 

Read on for all you need to know, including a closer look at travel money card types, some great options to consider, and the sorts of fees you need to think about when you choose. 

Wise – good value debit card for the US

Before we get into details about different travel money card options, let’s start with the Wise card as a good all-round option that allows you to hold and spend US dollars, as well as a diverse range of other world currencies.

Wise account can hold and exchange 40+ currencies, and you can get a linked Wise card for a one time delivery fee. Top up your account in USD and you can spend locally and overseas conveniently. If you plan to travel, you can switch to the currency you need before you travel, so you know your travel money budget in advance - or if you’d prefer, you can simply allow the card to automatically switch currencies as and when you need it. All currency conversion uses the mid-market exchange rate, with low fees from 0.43%.

Plus you can get USD bank account details - as well as local account details for up to 8 other currencies - to get paid conveniently to your Wise account . If you’re receiving money in USD to Wise, it’s free to get paid by ACH, and there’s a low 4.14 USD fee to receive a wire. There’s no fee to receive any of the other 9 currencies which come with local bank details.

Here are some of the advantages and disadvantages of using the Wise travel money debit card, to help you decide if it's suitable for you.

What is a travel money card?

A travel money card can be used for payments online and in stores, and for cash withdrawals , just like your regular bank card can be. You can use your travel money card in the US just as conveniently as you can when you travel or shop online with overseas retailers. However, with a travel money card you’ll find the features and fees have been optimized for international use . That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees. Some travel cards also have options to earn cashback and rewards when you use your card internationally. 

6 travel money cards for the US compared

We’ll look at each of these card options in a little more detail in just a moment, but let’s start with an overview of how 6 top travel money cards for the US line up side by side:

As you can see, the features of different travel money cards can vary pretty widely. In general travel debit cards can be convenient and often fairly cheap to use, while travel credit cards can offer some nice perks like cashback or rewards - but do mean you might run into interest and late payment charges, depending on how you choose to pay.

Travel debit cards often let you top up a linked account online or through an app, so you can set your budget and can’t spend more than you intend. Travel credit cards on the other hand let you spend to your card limit, and then repay the amount over a few months if you’d prefer to. Which is best for you will come down to how you like to manage your money - we’ll dive into a few more details about each card type, next.

What are different types of travel cards?

Broadly speaking, US customers are able to select a travel money card from either a regular bank or a specialist provider, which may be a travel debit card, travel prepaid card or a travel credit card. We’ll walk through what each travel money card type is, and pick out a couple of good card options, so you can compare and choose.

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

1. Travel Debit Cards for the US

Travel debit cards are usually offered by specialist providers, with linked digital accounts you can use to hold and convert a currency balance. That makes them equally convenient to use in the US when spending in dollars, when shopping online with retailers overseas, and when you travel. While different cards have their own features, travel debit cards can usually be topped up easily online and through an app, with the option to see your balance and get transaction notifications through your phone too. That makes it easier to keep on top of your money, no matter where in the world you are.

Travel debit card Option 1: Wise

Wise is a good value travel money debit card for the US. There’s no fee to open a Wise account, and just a small delivery fee for your Wise card, with no minimum balance and no monthly charge. You just pay low Wise fees from 0.43% when you convert currencies, and transparent ATM fees when you exhaust the monthly free transactions available with your account.

• No fee to open a Wise account , no minimum balance requirement
• 9 USD one time fee to get your Wise card
• 2 withdrawals, to 100 USD value per month for free, then 1.5 USD + 2%
• Hold 40+ currencies, convert between them with the mid-market rate
• Get local account details to receive USD and 9 other currencies conveniently

Travel debit card Option 2: Revolut

Revolut has a selection of different account tiers, so you can simply pick the account you prefer - from Standard plans with no monthly fee to the 16.99 USD/month Metal plan. All Revolut accounts have linked cards, although exactly what type of card you get depends on your account tier. You can hold around 25 currencies, and convert currencies with the mid-market rate to your plan’s allowance. 

• No monthly fee if you open a Standard Revolut account, or upgrade for up to 16.99 USD/month 
• Card delivery fees may apply depending on your account tier
• All accounts have some fee free weekday currency conversion with 0.5% fair usage fees after that. Out of hours and exotic currency fees may apply in some cases
• Standard plan holders can withdraw 400 USD overseas per month without paying fees
• Hold USD and around 25 other currencies

Pros and cons of using debit travel cards in the US

How to choose the best travel debit card for the us.

The best travel debit card for USA really depends on your personal preferences and how you like to manage your money. If you’ll be traveling widely it makes sense to look for an account with mid-market currency exchange and a large selection of supported currencies, like Wise . Other providers like Revolut can also be a good pick, particularly if you’ll use your account very frequently and would prefer to pay a monthly fee to unlock lots of no fee transactions and extra perks.

Is there a spending limit with a travel debit card in the US?

Different providers set their own limits for card use. Limits may apply daily, weekly or monthly, and can apply to different types of transactions. You might find you have a limit to the amount of ATM withdrawals you can make per day, for example, or the value of contactless payments - these limits are set for security and can sometimes be managed and changed in the provider’s app.

2. Prepaid Travel Cards for the US

With a prepaid travel card you’ll need to order a card and add funds, to pay merchants and make cash withdrawals. While prepaid travel cards are usually issued on large global networks - and can therefore be used pretty widely - not all cards are accepted globally, so you’ll need to check network coverage in your destination country.

Prepaid travel card option 1: Bluebird American Express prepaid debit card

You can order a Bluebird prepaid debit card for free online. You’ll then be able to top up in cash or from a bank account. You can also add checks or have funds deposited by others - fees apply for some top up methods. While this card doesn’t allow you to hold foreign currencies, you won’t pay a foreign transaction fee to spend your USD balance abroad, which makes it a good choice when you’re away from home.

• Get a card for free by ordering online
• Top up in a range of ways in USD
• No foreign transaction fee when spending overseas
• ATM withdrawal fees of 2.5 USD or the equivalent when overseas
• American Express cards are not always accepted internationally - check coverage before you travel
• No interest to pay 

Prepaid travel card option 2: Discover it Secured

Discover it Secured is a credit card, but we’ve included it in our roundup of prepaid cards because it’s a secured card, which means you’ll need to pay an upfront deposit, and can then spend to that deposit level every month. Clear off your bill in full to avoid interest, and you could build a credit score, earn cashback and get no foreign transaction fees when you spend overseas, too.

• No annual card fee, although interest charges and late payment fees do apply
• No foreign transaction fees for spending overseas
• ATM withdrawal fees may apply including a 10 USD cash advance fee
• Earn cashback on spending and build credit as you do so
• Discover network is not always internationally supported - check your destination before you travel

Pros and cons of using prepaid travel cards in the US

How to choose the best travel prepaid card for the us.

There’s no single best travel prepaid card for the US - it’ll come down to your personal preferenc e. If you’re looking specifically for a prepaid debit card you can use abroad with no foreign transaction fee, try the Bluebird card option. However, if a credit card suits you, the Discover it Secured can be a strong pick thanks to the cash back options available.  

Is there a spending limit with a prepaid card in the US?

Different prepaid travel cards set their own limits for spending and withdrawals, which can  vary between currencies. You’ll need to check your card’s terms and conditions carefully to make sure you pick a provider which suits your needs.

3. Travel Credit Cards for the US

Travel credit cards typically offer some extra international features compared to regular credit cards, such as low or no foreign transaction fees or extra option to earn rewards when you’re abroad. In general, travel credit cards are safe and convenient but can be more expensive compared to using a debit card option. Before you select the right card for you it’s important to check the fees, rates, eligibility rules and interest rates which apply, so you can make sure it’s a good fit for you.

Travel credit card option 1: Capital One Venture Rewards

The Capital One Venture Rewards card can be used in the US conveniently - and has no foreign transaction fees when you spend overseas. There’s also a comparatively low cash advance fee when you use an ATM, at 3 USD or 3% whichever is higher. You’ll need to repay your bill in full every month to avoid fees and interest, but can earn travel rewards and miles on your day to day spending.

• No foreign transaction fee
• Earn travel rewards on spending 
• Get extras like lounge access and free travel insurance
• International spending uses the network exchange rate 
• Variable interest rates which apply if you don’t pay off your bill in full

Travel credit card option 2: Chase Sapphire Preferred

The Chase Sapphire Preferred card has a variable interest rate with no foreign transaction fee to pay. However, you’ll need to pay a 95 USD annual card charge to get your card in the first place. Currency conversion uses the network exchange rate - plus there are benefits and rewards available for cardholders.

• Variable interest rates and a 95 USD annual fee
• Check your eligibility and order a card online easily
• Network exchange rates apply

Pros and cons of using credit cards in the US

How to choose the best travel credit card for the us.

The best travel credit card for the US will depend on your personal preferences. If you’re interested in earning rewards and cash back, a travel rewards card like the Chase Sapphire Preferred could be a good bet as it has no foreign transaction fee and offers rewards on all spending. Whichever card you’re considering you’ll want to weigh up the potential fees you’ll need to pay against the rewards you can earn to make sure it’s worthwhile.

Which cards are accepted in the US?

It’s important to know that you may find that different card networks are more popular in one country than they may be in another. For example, while Visa and Mastercard are pretty widely accepted globally, other popular US card networks, like American Express and Discover cards are less likely to be accepted in some countries and regions. Both networks have some support in the US, but coverage isn’t universal.

If you’re looking for a card specifically to take with you when you travel, it may be worth checking coverage in destinations you visit frequently to help you choose the right network for your needs.

In most cases it’s best to carry more than one means of payment when you travel - for example a credit card and a specialist travel money card which has been issued on a different network - so that you always have a plan B if your preferred payment method isn’t available.

Conclusion: Which travel money card is best for the US?

If you’re living in the US but travel often - or if you shop online with retailers based overseas, you might want to pick a travel money card for foreign currency spending. Travel money cards have different features, and can be picked up via regular banks or online specialists.

You could opt for a low cost travel debit card which comes with a linked account to hold a selection of currencies - like the Wise debit card . Or you might prefer a prepaid travel money card like the Bluebird American Express debit card which can be linked to a fee free account. Finally, another option is to get a travel credit card either to earn cashback and rewards, or to avoid foreign transaction fees. 

Use this guide to start your research and pick the right option for your specific needs.

Go to Wise Go to Revolut

FAQs - Best travel cards for the US 2024

1. Which travel card is best to use in the US and abroad?

There’s no single best travel card to use in the US and when you’re headed abroad. Which is right for you will depend on your preferences and the features you want to access. Having a multi-currency account from a provider like Wise or Revolut can be a good bet if you travel widely as you’ll be able to hold and exchange dozens of major currencies for convenience.

2. What is the best way to pay when traveling outside the US?

Spending with your card is convenient when traveling, but you’ll be best off having several different payment methods just in case your first choice isn’t supported. For example, you could choose 2 different debit or credit cards, issued on different networks, and you could also get foreign currency cash in advance so you have some  on you for those times when cards aren’t available.

3. Can you withdraw cash with a credit card in the US and overseas?

You can usually make cash withdrawals with a credit card in the US and overseas, at any ATM that supports your card network. You’ll often find that a fee applies, and you may start to accumulate interest on the withdrawn amount immediately. Travel money debit cards from providers like Wise and Revolut can be a lower cost option for cash withdrawals locally and abroad.

4. Can I use a US card abroad?

You can use your US card anywhere you see the card network’s logo displayed. Visa and Mastercard networks are very well supported globally, including in the US, making these good options to look out for when you pick your travel debit card for use overseas as well as in the US.

5. Are prepaid cards safe?

Prepaid cards from reputable providers are safe to use at home and abroad. They aren’t linked to your main bank account which can offer extra peace of mind, and may also make it easier to manage your travel budget. However, you’ll need to check the card features and fees carefully to make sure you're getting the best match for your needs.

6. What are the main fees for travel cards when traveling?

The fees applied for travel cards can vary widely depending on the provider and the card type. With debit cards you may find ATM fees, and costs for converting currencies, although specialist providers like Wise and Revolut have linked multi-currency accounts which can bring down the costs of currency conversion. Credit card fees include cash advance charges, foreign transaction fees and interest.

The UK's best rated travel debit card

Currensea is the layer in front of your current bank account, saving you at least 85% on every transaction, giving you extra security and making your bank work that bit harder for you.

Our connected banks

We work with all the major uk high-street banks.

What our customers think

What is currensea.

Pay safer and faster with Apple Pay

See how much you can save

Save in 180 currencies vs high street banks, prepaid travel cards and travel debit cards.

Find out more

Super-Convenient

Currensea works with your current bank account to make your holiday money go further.

No new bank account needed

Forget having to set-up and manage multiple accounts

Better than a pre-paid travel card

Currensea connects to your bank account, removing the hassle of pre-loading another card

Use your card globally

Spend abroad in 180 currencies without the normal bank fees!

Advanced Security

Currensea is the layer over your bank account, giving you increased security when you spend abroad..

All purchases are protected by Mastercard Chargeback Protection

Authorised by the Financial Conduct Authority

Secured with the latest bank security and encryption technology

All purchases protected by Mastercard Chargeback Protection

Pricing plans

Our plans are simple and transparent. we give you the best live exchange rate so you can spend in confidence, without the hidden fees. .

Essential Card - Free

0.5% FX Rate

For all transactions & ATM

Fee free ATM abroad

£500pm, 2% FX rate over

Spend in 180 currencies

Get the best live exchange rates

Market beating Money Transfer 

Send £100 - £20,000 per transfer

Advanced security

Spend notifications, set spend limits & freeze/unfreeze card

Purchase protection

Mastercard 120-day chargeback protection

Spend in all 180 currencies

Get the best live interbank exchange rates

Singapore Airlines KrisFlyer air miles

Convert savings into air miles

Free card delivery

Mastercard travel debit card

Premium - £25/year

£500pm, 1% FX rate over

Premium Benefits

Hertz 5* status, Preferred Hotels discounts, and much more...

Market beating Money Transfer

Purchase protection 

120-day Mastercard chargeback protection

Singapore Airlines KrisFlyer air miles Convert savings into air miles

Free card delivery 

Premium offers 

Access our latest offers for Premium travel debit card users

Car hire benefits

Including Hertz Gold Plus Rewards with complimentary Five Star Status and a 20% worldwide discount with Avis

Preferred Hotels & Resorts 

Complimentary night's stay when booking a trip of 4 nights or more

• More about Premium

Elite - £120/year

Unbeatable 0% FX rate

£750pm, 1% FX rate over

Elite Benefits

Avis & Hertz president's club, concierge, hotel price guarantee, lounge access...

Elite offers 

Access our latest offers for Elite travel debit card users

Exclusive car hire benefits

Exclusive membership to Avis President's club and Hertz's President's Circle

Complimentary night's stay when booking a trip of 4 nights or more and other exclusive benefits with 'Elite I Prefer Member Status'

 World-class concierge by “Ten”

24/7 travel concierge giving you truly luxurious benefits

Worldwide airport lounge access

LoungeKey TM warmly welcomes you to access 1100+ airport lounges

Luxury hotels and resorts perks

Explore 3,000+ locations with extravagant benefits incl, complimentary breakfast, room upgrades and much more

• More about Elite

No hidden fees

Currensea has no weekend charges, no foreign currency purchase fee, no dormant card fees, and no non-sterling transaction fees.

How does Currensea make its money?

Currensea pricing plans

Our plans are simple and transparent. we give you the best live exchange rate so you can spend in confidence, without the hidden fees..

Saves 85 % on bank charges*

Across card spend & ATM withdrawals

2% FX rate over £500pm

Mastercard chargeback protection

Saves 100 % on bank charges*

1% FX rate over £500pm

£ 120 /year

1% FX rate over £750pm

Send £100 - £20,000 per transfer 

Mastercard World Elite travel debit card

Enjoy 4 nights for the price of 3 and other exclusive benefits with 'Elite I Prefer Member Status'

Explore 3,000+ locations with extravagant benefits incl complimentary breakfast, room upgrades and much more

*Terms and conditions apply

So, how does Currensea make its money?

How Currensea works

Giving back

We know our cards contain plastic, and we are working on different solutions to reduce this. In the meantime, we're focussed on reducing our impact and have committed to removing 2.5 times the plastic we produce every year from the world's oceans, by supporting Plastic Bank.

You may also want to offset part of your travel, so we've provided you the option to contribute a % of your savings to removing ocean plastic, and/or planting trees every time you spend.

Find out more about our commitment

If Your Debit Card Expires While You’re Traveling, Do These 7 Things

T raveling can be an exciting adventure, full of new experiences and memories to cherish. However, it can quickly turn into a stressful situation if you find your debit card has expired. Being far from home without immediate access to your funds can be worrisome, but don’t panic. Here are some important steps to take if your debit card expires while you are on vacation.

Read More: 6 Genius Things All Wealthy People Do With Their Money

Sponsored: Owe the IRS $10K or more? Schedule a FREE consultation to see if you qualify for tax relief.

1. Contact Your Bank Immediately

The moment you realize your debit card has expired, contact your bank or card issuer. Most banks have international toll-free numbers specifically for travelers who have issues with their debit cards. Inform them about your situation and verify your identity. Banks are familiar with handling these situations and can quickly help you find a solution.

2. Request an Emergency Card Replacement

Ask if your bank can expedite a new debit card to your current location. Many banks offer an emergency card replacement service for travelers. While this might come with a fee, it’s worth the peace of mind. Provide a secure and verifiable address, like your hotel, where the card can be delivered.

3. Use Digital Wallet Services

In today’s digital age, accessing your funds without needing the physical debit card is often possible. If your bank supports it, you can add your debit card to a digital wallet like Apple Pay , Google Pay or Samsung Pay. This way, you can continue to make purchases and pay for services with your smartphone or a smartwatch.

4. Explore Wire Transfer Options

If getting a replacement card is not feasible, consider having money wired to you. You can use wire transfer services like Western Union or MoneyGram to receive cash without needing a debit card. You’ll need to provide identification and the transaction details, but it’s a reliable way to access your money.

5. Use Other Cards

Always travel with more than one form of payment. If you have a credit card or another debit card , now is the time to use it. This reduces the inconvenience of having a single expired card and ensures you’re not stranded without access to your funds.

6. Withdraw Funds Through a Partner Bank

Some banks have international partnerships with other banks. In such cases, you might be able to withdraw cash directly from a partner bank’s branch. You’ll need to present your passport and possibly answer security questions, but it’s an effective way to access your money.

7. Precautionary Measures for the Future

To avoid a situation like this in the future, make a note of your card’s expiration date before you leave on vacation. Most banks send out new cards a few weeks before the old one expires, so ensure your address is up-to-date. Additionally, consider setting up travel alerts on your account and inform your bank of your travel plans. That way, you’ll cut down any risk of fraud alerts or blocks issued on your account.

If your debit card stops working while you’re traveling, it can be a hassle, but it’s not a huge disaster. If you act quickly and check out other options, you can still get to your money and have an enjoyable and relaxing time on your trip. Make sure to have a second way to pay ready and the phone number for your bank with you, just in case you need it while you’re on the go.

Editor's note: This article was produced via automated technology and then fine-tuned and verified for accuracy by a member of GOBankingRates' editorial team.

This article originally appeared on GOBankingRates.com : If Your Debit Card Expires While You’re Traveling, Do These 7 Things

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You will receive a welcome email shortly, how the travel money card you pick could save you hundreds of dollars overseas.

If you’re gearing up for overseas travel to escape the Australian winter, adding a payment method to your daypack is essential. 

From booking last-minute accommodation in the local currency, paying for public transport, and finding an ATM to get cash out (especially in countries like Germany, where cash is often the only way to pay), being away from home gets expensive. 

While it’s common for Aussies to get a prepaid travel card before they hop on a plane, new Mozo research shows you could save hundreds of dollars by opting for a travel money card instead.

As the cost of living crisis continues to be a pain in the behind, there’s never been a better time to make informed decisions about the type of card you use on your trip, according to Mozo personal finance expert, Rachel Wastell. 

“If you’re booking international flights and planning for a year-long Summer, it pays to look at how you’ll convert your Aussie dollars into local currencies, and your spending and saving habits,” she says.

What payment options do you have when travelling overseas? 

For Australians travelling overseas, your main spending options (aside from cash) include a credit card (especially if it comes with free credit card travel insurance ), the debit card attached to your bank account , a travel money card, or a prepaid travel card . 

“Each of these cards will give you access to your money overseas, but there are surprising differences that, if you don’t plan ahead, could cost you hundreds of dollars more,” Wastell said.

How travel money cards help keep costs low overseas 

Mozo found that travellers planning to travel to the United States, the United Kingdom, or Europe could save hundreds of dollars using a travel money card (aka foreign currency accounts) instead of a prepaid travel card with a locked-in exchange rate. 

Based on currency conversions completed by Mozo experts, Mozo found that foreign currency accounts charged exchange rates roughly 5% less than those on prepaid travel cards. 

When looking at USD (4.71%) GBP (5.23%) and EUR (5.16%) on a balance of $10,000 (AUD), that equates to a saving of $311 (USD), £273 (GBP) or €314 (EUR).

Aside from cheaper exchange rates, travel money cards provide easy access to multiple currencies. 

A good foreign currency account will also make it simple to change not just AUD to GBP or EUR, but also exchange foreign currencies between one another. 

So, if you’re heading over to Europe and the UK, where you might need Euros one week and Pounds another, that’s an important feature to consider.

A real-life example of how foreign currency accounts come in handy 

When I went on a three-month Euro trip late last year, I used Wise as my foreign currency account for pretty much everything. 

When I went from Berlin to Prague, I didn’t have to worry about exchanging my Euros for Czech Koruna because it was basically an instant transfer through the Wise app. 

However, my mate who I was travelling with still had his Euros in cash and got a shock when the currency exchange office near our AirBnB handed him a 5,000 CKZ note. Needless to say, he had a hard time finding a cafe that would happily split the note for a coffee and a croissant. 

The thing I really liked about Wise was the debit card you get with an account. 

Aside from its fluro-green colour, I could use it to get cash from an ATM (with no withdrawal fees up to $350/month), tap on for the London Underground, book hotels, hostels, and AirBnBs, and generally just use it like I would with any other debit card. 

Wise kept things simple for me while I was overseas. So, I recommend looking into it and seeing if it fits your needs. Read the Wise international money transfer review for more info on this provider, or compare travel money cards to see more options.

Can I just use my debit card overseas? 

You absolutely can. 

If you don’t want to open a dedicated foreign currency account or use a prepaid travel card, debit cards can still provide competitive exchange rates. 

In fact, Mozo found that debit card exchange rates were almost on par with foreign currency accounts. Foreign currency accounts were just 0.77% to 1.13% cheaper than debit cards, amounting to savings on an $10,000 (AUD) balance of $74 (USD), £40 (GBP) and €46 (EUR).

If you opt to use a debit card, find an account without fees 

Something else to be mindful of is the fees that may be charged on your bank account. These include monthly account fees, currency conversion fees, or overseas ATM fees. 

Travel debit card fee finder

Use our debit card fee finder to see how your debit card stacks up overseas View

"Where travellers get burned is on high currency conversion fees and overseas ATM fees charges, which really add up over the course of a holiday. This is why it's so important to compare in advance," says Wastell. 

According to the research, someone with a $10,000 (AUD) balance could expect to pay $262 on average in conversion fees and $3.16 on average for ATM withdrawals, if they don’t have a fee-free transaction account.

But don’t fret, there are a fair few options to compare when it comes to fee-free travel debit cards.

The Mozo experts awarded the best of these, as part of the 2024 Mozo Experts Choice Awards ^, to help travellers avoid these pesky, extra costs. Winners include:

• Bankwest Easy Transaction Account & Qantas Transaction Account
• Great Southern Bank Everyday Edge Account
• Macquarie Transaction Account  
• ME SpendME Transaction Account
• Suncorp Everyday Options & Carbon Insights Account
• Ubank Spend Account
• Up Everyday Account .

To help you weigh up your options, make sure you compare travel debit cards with both travel money cards and prepaid travel cards. Happy travels! 

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Which Credit Cards Have Priority Pass Restaurant Access?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Priority Pass partners with dozens of restaurants in airports around the world. At these partner restaurants, eligible Priority Pass Select members get a $28 credit toward food and beverage purchases per guest.

However, just because your travel rewards credit card offers a Priority Pass Select membership doesn't mean that you'll be able to get a free or discounted airport meal before or after your flight. That's because some credit card issuers have removed Priority Pass restaurants from their Priority Pass lounge benefit.

For those of us who appreciate a real meal before a flight — instead of just snacks from a lounge — let's focus on credit cards with Priority Pass restaurant benefits.

» Learn more: The best travel credit cards right now

An overview of credit cards with Priority Pass restaurant benefits

Before we get into details below, here's an overview of the most popular travel rewards credit cards that provide Priority Pass restaurant access:

Credit cards that offer Priority Pass restaurant benefits

Chase Sapphire Reserve®

The Chase Sapphire Reserve® card is perhaps the best-known travel rewards credit card that still offers Priority Pass restaurant benefits, though it is ending July 1, 2024. For now, the card's terms, Chase states that the Priority Pass Select membership that Chase Sapphire Reserve® cardholders receive "includes access to airport lounges, restaurants, cafes and markets."

Chase Sapphire Reserve® cardholders get up to two accompanying guests per visit at no additional cost. Additional guests cost $27 per guest per visit.

A Priority Pass Select membership is just one of the card's many travel benefits. Cardholders also get:

An annual $300 travel credit.

TSA PreCheck or Global Entry application fee statement credit.

Two complimentary years of Lyft Pink All Access.

Access to Luxury Hotel & Resort Collection 

These are a few of the perks you will find among the card's slew of benefits.

» Learn more: Is the Chase Sapphire Reserve worth its annual fee?

Bank of America® Premium Rewards® Elite credit card

The Bank of America® Premium Rewards® Elite credit card offers perhaps the most unique and generous Priority Pass restaurant benefit of any card on the list.

Premium Rewards Elite cardholders get up to four complimentary Priority Pass Select memberships with restaurant access per account. Even better, Bank of America doesn't restrict how many guests each Priority Pass member can bring into a lounge or restaurant on each visit — and there's no cost associated with bringing guests into a lounge with you.

That indicates that cardholders get up to four unlimited Priority Pass Select memberships, each with unlimited guests.

If you have a large family, this Priority Pass Select membership can easily justify the card's $550 annual fee. And that's before you factor in the card's other travel benefits, which include:

TSA PreCheck or Global Entry application fee credit.

Up to $300 annually in airline incidental statement credits.

Up to $150 annually for purchases such as rideshare services.

» Learn more: The best Bank of America credit cards available right now

Emirates Skywards Premium World Elite Mastercard®

This little-known premium Emirates rewards card offers primary cardmembers and authorized users "unlimited visits for yourself as well as guests" — with no fee listed for guests over a set limit. That seems to indicate that there's no limit to the number of guests cardholders can bring into a Priority Pass lounge or restaurant with them.

In addition to this Priority Pass lounge benefit, Emirates Skywards Premium World Elite Mastercard® cardholders get Emirates Skywards Gold tier membership for their first year plus 10,000 bonus Skywards miles each account anniversary. The card charges a $499 annual fee.

» Learn more: Are the Emirates Mastercards worth their annual fee?

UBS Visa Infinite Card

UBS offers an unlimited Priority Pass Select membership with restaurants for cardholders of the UBS Visa Infinite Card and the UBS Visa Infinite Business Card.

Unfortunately, details such as guest access and Priority Pass benefits for authorized users are absent from the UBS website. So, it's unclear how many guests cardholders can bring into Priority Pass lounges or restaurants with them.

However, even without guest access, this card may be a good fit for luxury travelers. Cardholders get:

A $250 credit for qualifying air travel expenses.

Premium benefits at select hotels through the Visa Infinite Luxury Hotel Collection.

VIP amenities at select Ritz-Carlton properties, Fairmont and Park Hyatt properties. 

Plus, cardholders unlock a $500 annual credit by spending $25,000 in either the current or prior calendar year.

Use your credit card for Priority Pass restaurant meals

Using your Priority Pass membership at participating airport restaurants is a great way to get a full meal before or after your flight.

However, it's important to remember that some card issuers — such as American Express — don't include "non-lounge airport experiences" such as restaurants in their Priority Pass lounge benefits. That means it's important to check your card's terms before counting on this benefit.

Regardless of which card you have, you'll likely need to enroll with your bank before you can take advantage of this Priority Pass Select membership benefit. Also, keep in mind that Priority Pass doesn't cover gratuity on meals. So, remember to have cash on hand to tip your waitstaff.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Best no annual fee travel credit cards of April 2024

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.  

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  

Travel rewards cards are a lot like gyms. The best ones may come with tons of added benefits (saunas, yoga class, etc.) but they also cost a lot, usually with a big financial commitment upfront. 

As a result, whether you’re considering a Chase Sapphire Preferred ® Card (with its $95 annual fee) or a CrossFit membership, you probably have the same question on your mind: will I really use it enough to justify paying for it? 

While there aren’t any free gyms we know of, there thankfully are plenty of no-annual-fee travel rewards cards that require essentially zero commitment. And just like an ab roller or a Richard Simmons DVD, you can simply use them a few times, forget about them, and put them in a drawer until beach season. Or, you can stick with it and make them part of your daily routine—whatever works for you.

You’re also far more likely to see “instant results” with these cards, too. From 100,000-point welcome bonuses to rewards for paying rent, free travel insurance to 3X on gas, these cards offer way more than you’d expect for a fee of $0 per year. 

The best no-annual-fee travel cards for April 2024

Best overall: bilt mastercard, best for hotel rewards: ihg one rewards traveler credit card, best for airline rewards: united gateway℠ card, best for travel earnings: wells fargo autograph℠ card, best for flat-rate earnings: capital one ventureone rewards credit card.

The Bilt Mastercard allows you to earn points from paying rent and transfer them 1:1 to well over a dozen different travel partners including United MileagePlus and Marriott Bonvoy. Toss in some surprisingly robust travel insurance and you have our unconventional—yet logical—choice for the best overall no-annual-fee travel card of 2024.

Bilt Mastercard®

Special feature.

Rewards Rates

• 1x Earn 1X points on rent payments without the transaction fee, up to 100,000 points each calendar year
• 1x Earn 3X points on dining
• 2x Earn 2X points on travel
• 1x Earn 1X points on other purchases
• Use the card 5 times each statement period to earn points.
• Uniquely earns points on rent
• Rent Day bonus every first of the month offers double points (excluding rent)
• Robust travel transfer partners
• Cash redemption rate is poor
• No traditional welcome bonus
• Travel perks: Trip Cancellation and Interruption Protection, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver
• See this page for details
• Foreign Transaction Fee: None

Why we like this card: As mentioned, the Bilt Mastercard’s most compelling feature is that it allows you to pay rent with a credit card—even if your landlord doesn’t take plastic—and avoid the transaction fee paying rent by credit card would typically incur. Then, as long as you complete five transactions each month, you’ll trigger 1X rewards on your rent payments. 

Note that rewards on rent are capped at 100,000 points per year.

In terms of earning potential, if you pay the median ~$2,000 rent in the U.S., you could earn approximately 24,000 points per year which can be used to book travel in Bilt’s portal at a value of 1.25 cents per point or transferred to any of Bilt’s airline or hotel partners at a 1:1 ratio. In other words, you could likely earn a domestic flight with United or a weekend stay at Hyatt, all for simply paying rent on time.

The Bilt card also provides trip cancellation and interruption protection, trip delay reimbursement, and primary rental car insurance (terms apply)—perks you wouldn’t typically find on a no-annual-fee credit card.

If you’re looking for a hotel rewards card that offers the most free nights for no annual fee, wait until you read about the IHG One Rewards Traveler Credit Card. With a six-figure welcome bonus, up to 17X on stays and other compelling rewards, it’s currently the gold standard for no-fee hotel rewards.

IHG One Rewards Traveler Credit Card

Intro bonus.

• 17x Earn up to 17X points when you stay at IHG Hotels & Resorts 
• 3x Earn 3X points on dining, utilities, internet, cable, and phone services, select streaming services, and at gas stations
• 2x Earn 2X points on all other purchases
• Generous welcome bonus not typically seen in a $0 annual fee card
• Travel protections that are unusual for a no-annual-fee card
• Fourth night free on award bookings
• Limited redemption options outside of IHG
• IHG points are worth less than some other rewards currencies
• Silver status granted with the card has limited benefit
• Additional perks: Trip cancelation/interruption insurance, auto rental collision damage waiver, purchase protection, ability to spend to Gold status
• Foreign transaction fee:None

Why we like this card: We like calling the IHG One Rewards Traveler card the “Liam Hemsworth” of travel rewards cards because it lives in the shadow of its big brother—the IHG One Rewards Premier Credit Card —but still delivers plenty of quality and substance in its own right (with no annual fee, to boot). 

For starters, you can get a welcome bonus of 80,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening, potentially worth around $500 to $700 in IHG redemption. 

Plus, enjoy up to 17X points when you stay at IHG Hotels & Resorts, instant Silver Elite status and a handy bonus where you redeem points for three consecutive nights and get the fourth night in your stay free. So, if you book a three-night stay using your welcome bonus, you’ll essentially be getting a complimentary four-night stay at a nice IHG property for no annual fee. The IHG One Rewards program could be very rewarding for the right traveler.

Check out our full review of the IHG One Rewards Traveler .

As a no-annual-fee airline card, the United Gateway℠ Card currently edges out its rival the Delta SkyMiles® Blue American Express Card by offering a more generous welcome bonus and travel insurance that the Delta card does not provide. If you fly occasionally and would like to earn miles, but aren’t willing to make the commitment of $95 or more for a mid-tier airline card with more perks, the Gateway is a strong choice. 

United Gateway℠ Card

• 2x 2 miles per $1 spent on United® purchases, including tickets, Economy Plus, in-flight food, beverages and Wi-Fi, baggage service charges and other United purchases.
• 2x 2 miles per $1 spent on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit.
• 1x 1 mile per $1 spent on all other purchases
• No annual fee or foreign transaction fee
• Reward bonus categories outside of United Airlines
• Robust travel protections for a no-annual-fee card
• No baggage or expanded award availability benefits like with other United cards
• Subject to Chase 5/24 rule.
• United perks: 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
• Other perks: Auto Rental Collision Damage Waiver, Trip Cancellation/Interruption insurance, Purchase Protection, Extended Warranty
• Foreign transaction fee: None

Why we like this card: The United Gateway card offers 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting plus 1 mile per $1 spent on all other purchases. Considering a United Mile is worth roughly around 1.2 cents these days, effectively earning 2.4 cents back on everyday purchases is a solid value proposition. 

You’ll also get a welcome bonus of 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. And, you can save with a discount of 25% back on United in-flight and Club Premium drink purchases. 

New cardholders will enjoy a 0% Intro APR on Purchases for 12 months, after 21.99%–28.99% variable applies.

If the United Gateway card has a small lead on the Delta Skymiles Blue Amex at this point, it soars ahead (pun intended) when you look at the included travel and shopping protections. Both cards offer secondary rental car insurance, but only the Gateway includes trip cancellation and interruption insurance, purchase protection and extended warranty protection. 

So, if you’re seeking a no-annual-fee card you can use to rack up miles—and you either tend to fly United most of the time or you’re at minimum not devoted to a competing airline—the United Gateway is the card to beat.

Check out our full review of the United Gateway Card for more info.

To view rates and fees of the Delta SkyMiles® Blue American Express Card, see this page  

With a generous welcome bonus in exchange for an attainable spend amount, 3X on travel, and a fancy name, you’d think the Wells Fargo Autograph℠ Card would command an annual fee of at least $95. But it doesn’t, making it a superb candidate for general travel use.

Wells Fargo Autograph℠ Card

Intro bonus.

• 3X 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans
• 1X 1X points on other purchases
• No annual fee
• 20,000 bonus points when you spend $1,000 in purchases in the first 3 months (that's a $200 cash redemption value)
• Points transfer to partners
• Car rental insurance is secondary
• No travel insurance
• Transfer partners are limited
• Additional perks: Cell Phone Protection: Provides up to $600 in cell phone protection when you pay your monthly cell bill with your Wells Fargo Autograph card. Coverage is subject to a $25 deductible and limited to two claims every 12-month period.
• Foreign transaction fee: N/A

Why we like this card: The Wells Fargo Autograph offers unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans and even your landline bill too if you have one, plus 1X points on other purchases—all without charging an annual fee. And, to make traveling a little cheaper/less stressful, you’ll also get $600 worth of cell phone protection (minus a $25 deductible) as long as you pay your phone bill with this card and secondary rental car insurance. 

Cardholders can transfer points at a 1:1 ratio to Wells Fargo’s first wave of transfer partners including Air France‑KLM Flying Blue, Avianca Lifemiles, British Airways Executive Club, AerClub, and Iberia Plus and 1:2 to Choice Privileges. 

But even if you aren’t a member of those loyalty programs, earning 3X on dining, travel, gas, and more is hard to pass up. You can redeem points at a value of 1 cent each to offset past purchases on your account, meaning you can wield the Autograph either as a no-annual-fee travel card or as a cash-back card effectively earning unlimited 3% back in a wide swath of useful categories. 

Check out our full review of the Wells Fargo Autograph .

Sometimes, you just want a card that offers a little more than 1X on every purchase—without having to worry about what this quarter’s rotating rewards are, or whether a specific merchant qualifies as “groceries” for the purposes of your card’s rewards. If you value simplicity and the lack of an annual fee in your travel card, you’ll probably be a fan of the Capital One VentureOne Rewards Credit Card and its straightforward rewards program.

Capital One VentureOne Rewards Credit Card

Reward Rates

• 5x Earn 5x miles on hotels and rental cars booked through Capital One Travel
• 1.25x Earn 1.25x miles on every other purchase
• Flexible travel rewards
• No foreign transaction fee
• Maximizing Capital One Miles requires a learning curve
• Cash redemption value is limited
• The VentureOne offers travel accident insurance, rental car coverage, extended warranty protection, exclusive access to events through Capital One Dining and Capital One Entertainment

Why we like this card: The Capital One VentureOne Rewards offers 1.25X miles per dollar spent on everyday purchases and 5x miles on hotels and rental cars booked through Capital One Travel. That’s pretty much all that you have to remember. You can also get a nice welcome bonus of 20,000 miles after spending $500 on purchases within 3 months from account opening, which is a solid payout for a very attainable spending target. 

Capital One Miles can be transferred to well over a dozen airline and hotel partners, most at a 1:1 rate. Partners include Air Canada’s Aeroplan, British Airways Executive Club, Choice Privileges, Virgin Red, and Wyndham Rewards, among others. Other ways to book travel include redeeming miles through Capital One’s portal or making the purchase directly, paying with your card like normal, then using miles for a statement credit to cover the transaction. 

The Venture One also offers a 0% intro APR on purchases for 15 months (after that, the variable APR will be 29.99%). There’s an intro balance transfer fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open , then 4% per transfer for any promotional APR offered after. 

Come to think of it, provided you have the excellent credit needed to apply, the VentureOne could make a great travel companion for a grad student given its simplicity, lengthy intro APR period and low spending threshold required to trigger the welcome bonus.

Check out our full review of the Capital One VentureOne Rewards .

Frequently asked questions

Which card is best for international transactions without extra charges.

Zero foreign transaction fees is actually a common benefit among travel rewards cards, including many with no annual fee. For example, neither the Bilt Mastercard nor the United Gateway card charges a foreign currency conversion fee. 

What is the best travel credit card for a young person? 

If you’re still paying rent, the Bilt Mastercard is an excellent choice since it can generate points from rent payments which can then be transferred 1:1 to well over a dozen airline and hotel partners. If you’d prefer a card with a welcome bonus, which the Bilt card lacks, the IHG One Rewards Traveler card currently offers a massive welcome bonus for a no-annual-fee card—potentially worth hundreds of dollars toward a future IHG hotel stay. 

Is a travel card with an annual fee worth it?

Using a travel rewards card with an annual fee can be worth it as long as you’re extracting enough points and benefits to justify paying the fee each year. If you travel infrequently or just want one less fee to worry about, consider one of the no-annual-fee cards on our list above. But, the best perks and protections are typically available on cards with annual fees.

For example, the Capital One Venture X card offers a $300 annual travel credit for bookings made through Capital One Travel. If you use that every year, you’ve gone a long way toward offsetting the $395 annual fee. You also get 10,000 bonus miles, worth at least $100 toward travel, every year starting on your account anniversary.

Methodology

To bring you our top picks for the best travel rewards cards with no annual fee, the Fortune Recommends surveyed more than a dozen cards currently available from today’s top issuers. From there, we ranked each one based on the following core categories and weights:

• Welcome bonus (10%): Some cards—even those with no annual fee—offer welcome bonuses that you can earn once you make enough purchases within a certain time frame, such as spending $1,000 within three months of account opening.
• Travel earnings (25%): These are the point rewards you’d earn by making travel-related purchases (e.g. 3X on hotels, 2X on airfare).
• Car rental insurance (15%): Many, but not all travel-centric rewards cards include an auto rental collision damage waiver, which allows you to decline a portion of the rental company’s insurance and save potentially up to $30 per day. We gave extra consideration to if a card offers primary rental car insurance versus secondary, because primary kicks in immediately in a covered scenario—whereas secondary only applies after your own, personal insurance. 
• Travel insurance benefits (15%): Some travel rewards cards automatically apply trip cancellation/interruption insurance, lost/delayed luggage reimbursement and even travel accident insurance on travel bookings made using the card.
• Gas earning (5%): Since road trips remain a common form of travel, whether or not a card offers points rewards at the pump factored into our rankings.
• Dining earning (10%): If a no-annual-fee travel rewards card offered 2X or more on restaurant purchases it favored well in this category.

The remaining 20% was based on the card’s main focus: hotel, airline or general travel rewards. 

• For general travel—points transferrable to partners (20%): Points are literally worth more if you can transfer them to certain partners, so a card’s ability to transfer rewards to airline and hotel partners factored into our rankings.
• For hotel rewards—free award night with booking (20%): Some hotel rewards cards offer a BOGO-like perk where if you redeem a certain number of nights with points you get an extra tacked on for free.
• For airline rewards—ability to spend towards status (20%): Most airline rewards cards allow you to earn miles, but not all of them count those miles towards your next loyalty status. If a card treated them as “qualifying miles,” it fared better in this category.

Lastly, just keep in mind that virtually every aspect of a travel rewards card—from the rewards to the welcome bonus and fee structure—is subject to change, which could impact how many miles or points you earn. 

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.  

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

Guide to travel rewards credit cards

Best travel credit cards of april 2024, luxury travel for less: your guide to free airport lounge passes, 10 credit card tips to help you avoid disaster when traveling abroad, how credit card travel insurance works—and what it doesn’t cover, insure your adventures: the ultimate guide to credit cards offering travel insurance, how credit card rental car insurance saves money on every rental, chase lga lounge review: luxury at laguardia, chase beefs up new york profile with a new jfk sapphire lounge—here's what you need to know, biggest-ever amex centurion lounge opens in atlanta — with outdoor terraces and bars for both whiskey and smoothies, amex centurion lounge atlanta: what to expect now that it’s open, how to use your credit card to save on travel as airline costs soar, do you have travel rewards saved up these are the best ways to use them, 5 ways your credit card can help you save on spring break travel costs, capital one lounge: what you need to know, how i travel with my wife for less than a date night, best credit cards for cheap airport lounge access in april 2024, best credit cards for airport lounge access in april 2024, beginner's guide to travel rewards: how to travel with credit card points and miles.

Airline Credit Card vs. Flexible Points: Which One is Best?

Airline credit cards offer benefits when flying that airline, while general travel cards include rewards that can be used in multiple ways.

Airline vs. Flex Points?

Getty Images | Maskot

If you aren't loyal to a specific airline brand, you may benefit more from a flexible points credit card.

Key Takeaways

• Airline credit cards earn miles for that specific airline and include perks similar to elite status, such as free checked bags, priority boarding and in-flight discounts.
• General travel cards earn flexible points that can be redeemed for travel, cash back, gift cards and more or transfer to airline and hotel partners.
• Some travelers have both types of cards to get the best benefits, earning power and redemption options.

Earning airline miles, hotel points and flexible points helps travelers save money when booking trips. There are dozens of travel rewards credit cards to choose from, so it can be challenging for people to decide between an airline credit card and flexible points cards. Both types of rewards cards have a lot to offer, but they also have downsides. Here's how to choose the best travel credit card to match your goals.

What Is an Airline Credit Card?

An airline credit card is a rewards credit card that earns airline miles for a specific airline. These cards also offer exclusive benefits for cardholders when flying that airline, which typically mimics elite status perks. These benefits may include the first checked bag free, priority boarding, discounts on in-flight purchases and more. Some airline credit cards can also accelerate your path to elite status based on your annual spending.

Airline credit cards typically have different price points ranging from no annual fee to several hundred dollars per year. Typically, as the price increases, you'll earn higher rewards and receive additional benefits.

Premium versions of these cards may also include a complimentary airline lounge membership for an annual fee that is lower than buying the membership directly. For example, the United Club Infinite Card has an annual fee of $525 and includes complimentary entrance to the United Club lounges for the cardholder and their eligible travel companions. By comparison, purchasing a United Club lounge membership costs $550 to $650 (depending on elite status) and includes access for just the member.

What Is a Flexible Points Credit Card?

A flexible points credit card is a card that earns points from an issuer rather than a hotel or airline loyalty program. These travel rewards credit cards are not affiliated with a specific program, which makes them ideal for people who are looking for the best travel deal rather than focusing on a single brand.

Flexible points have multiple redemption options, including booking travel through the issuer's travel portal, getting cash back or a statement credit, online shopping and more. Most flexible points programs also have a dozen or more airline and hotel transfer partners. However, Wells Fargo just launched the ability to transfer points to partners in April 2024, and it has just one hotel and five airline options – but the bank says more are coming soon. When you transfer points to these programs, the rewards combine with your existing miles and points balances so you can book an award reservation sooner.

Banks also offer multiple versions of flexible points credit cards with annual fees ranging from $0 to almost $700. The earning power, category bonuses, annual fees, benefits and other features vary among issuers and which card you choose. While these cards don't offer specific airline or hotel benefits, they offer a range of general travel perks and protections. For example, you may receive an annual credit for travel spending, airport lounge access and protections that include trip delay, baggage insurance and rental car protection.

Before paying a higher annual fee, make sure that you'll get at least that much value from the card in order to justify paying the fee.

Are Points and Miles the Same?

While many travelers use the terms points and miles interchangeably when referring to travel rewards, they aren't the same. Points generally mean the rewards earned from a hotel credit card such as the Hilton Honors American Express Surpass ® Card or a flexible rewards credit card like the Chase Sapphire Preferred ® Card . Miles usually mean the rewards earned from an airline credit card, like the United ℠ Explorer Card .

However, some airlines and banks confuse consumers by switching these terms up themselves. Rewards earned from Southwest and JetBlue airline loyalty programs are points, while rewards earned from Capital One Venture cards and Spark Miles cards are miles.

The major difference between the two is that airline miles are generally redeemed for booking flights, while flexible points have multiple options. Flexible points can be turned into cash back, statement credits, gift cards, online shopping and more. Most flexible points programs also have airline and hotel partners where you can convert rewards into airline miles or hotel points.

Which One Is Worth More?

The value of airline miles and flexible points varies by program and how they are redeemed. Typically, airline miles are more valuable than points earned by hotel credit cards, and flexible points have the highest value. Flexible points are often the most coveted rewards because they can be used in many different ways, including transferring to airline and hotel partners to book award travel.

How to Calculate the Value of Points and Miles

The value of miles and points varies based on how they are redeemed. Most people consider it a good redemption if you can get more than the average value. However, the best redemptions are the ones you're happy with. Remember that airline miles and hotel points typically decline in value over time as those loyalty programs update pricing to book award flights and hotel rooms.

Before redeeming your travel rewards, perform a simple calculation to determine the value of the redemption you're considering. This will help you decide whether you should redeem them now or save them for another time.

For flights, you'll take the cash price of the airline ticket and divide it by the number of miles required. To get the best possible answer, you should also subtract any taxes and fees that the airline charges for booking the award flight. For example, airlines typically charge a $5.60 fee for each direction you're traveling on a domestic flight. A $300 flight that costs 15,000 miles has a value of 2 cents per mile, which is a good value for almost any airline loyalty program.

When booking a hotel award, you should add taxes and fees to the list price of the hotel room to get a total cash price. Divide that total by the number of hotel points required to book the room. For example, a hotel room that costs $325 (including taxes) or 40,000 points has an award value of 0.8125 cent per point. This redemption is a solid value for Hilton and IHG hotels, but it is a subpar value for Marriott and Hyatt hotels.

How to Choose Your Card

Choosing between an airline credit card and a flexible points card is easier once you narrow down what rewards and perks are most important to you. While these cards may have some crossover, benefits from airline credit cards tend to focus on the issuing airline, while flexible points card benefits are more general in nature.

Anthony Losanno, a travel expert at The Bulkhead Seat, says, "The decision between airline credit cards and flexible points cards varies by traveler. Those with elite status might find the benefits useless or lessened on an airline card if they're already getting the perks with their status."

Who Needs an Airline Credit Card?

Airline credit cards are best for travelers who want to focus on earning airline miles and receiving perks when they fly. These cards typically earn extra miles when buying flights or upgrades and paying fees with that airline. They may also include exclusive benefits that mimic elite status, such as free checked bags , priority boarding and in-flight discounts.

Moli Aggarwal, a credit card expert at Maple Miles, says that an airline credit card's perks have more value in the long run. "An airline-specific credit card provides benefits when flying with that airline, such as a free checked bag, lounge access or any form of priority service,” Aggarwal says. “Flexible points cards might offer travel credits to buy those services directly. However, those credits might only cover one or two round-trip flights. An airline credit card extends its benefits to every flight taken with the airline."

When you fly on one airline regularly, having that airline's credit card can help you earn miles faster. Plus, you can save money and time by taking advantage of the card's perks. Depending on the airline and credit card, you may be able to achieve elite status more quickly based on your spending.

Who Needs a Flexible Points Credit Card?

Flexible points credit cards are best for travelers who aren't loyal to a specific airline. They want to find the best deal or departure time when searching for flights, even if it means flying on different airlines each time they travel. These travel rewards credit cards offer multiple redemption options, including getting cash back, buying gift cards, booking travel and more.

Losanno argues that their "flexibility is the greatest advantage. Being able to transfer to a host of airline and hotel partners has tremendous value."

Transferring points to airline and hotel partners is also common with flexible points credit cards. Most programs have more than a dozen transfer partners to choose from. This benefit makes it easier to find award availability for flights and hotel rooms to match your needs versus an airline credit card, which only earns miles in one airline loyalty program.

Card Comparison 

Credit card annual fees, redemption options and benefits vary widely based on the issuing bank and associated loyalty program. Additionally, travel rewards credit cards with higher annual fees tend to offer higher earning power, additional redemption options and more valuable perks.

This chart highlights the main differences between airline credit cards and flexible points credit cards.

Should You Get Both?

Many travelers choose to have both airline credit cards and travel rewards credit cards in their wallets. This allows them to get the best of both worlds by having access to the earning power, redemption options, benefits and other features of both types of cards. When you don't want to fly a particular airline, you still have flexibility in redeeming rewards with your flexible points card.

When comparing which flexible points cards to get, seek out travel rewards cards whose points transfer to your preferred airline. This allows you to combine rewards to book award travel more quickly. Plus, the benefits from the airline credit card may be able to save money on baggage fees and in-flight purchases or get you on the plane faster with priority boarding. Either card may also include airport lounge access, travel protections and other benefits that improve your travel experience.

Tags: credit cards , Airline Credit Cards , rewards credit cards

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