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How a Travel Credit Card Can Be Your Ticket to Big Savings

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Next time you're planning a vacation, a travel credit card could defray some or all of the costs if it packs the right incentives. Typically, cards with higher annual fees provide the most value with perks like ongoing rewards, free checked bags, airport lounge access or other benefits. But even cards with low or no annual fees make it possible to earn some value toward travel, if you can qualify.

These cards generally require good credit (scores of 690 or higher), and even if you're eligible, it's not worth pursuing one if you can't pay off the credit card bill in full every month to avoid steep interest charges. And if you're working toward paying down existing debt, it might not be worth chasing points and miles until you've made progress on that front.

But as long as travel credit cards align with your financial goals, their potential savings merit consideration — even if you travel just once or twice per year. Explore the flexibility of a general-purpose travel credit card to book travel anywhere, or a branded credit card to book travel with a favorite hotel or airline. Either option may offer money-saving benefits toward your next trip.

Valuable features can lower costs

Offers will vary among general-purpose travel credit cards and airline- or hotel-branded credit cards, but some savings opportunities may include:

If a credit card offers a lengthy list of perks, the value can quickly add up. Here are some features to look out for:

A sign-up offer: Travel credit cards generally come with lucrative sign-up offers that let new cardholders earn a pile of points or miles by meeting a minimum spending requirement. It’s easier to snag if you can strategically time a credit card application around planned purchases during a heavy-spend month or season.

Free checked bags: Some airline credit cards offer free checked bags , which can add up to real savings when applied per person on a round trip. This is one way that Doug Figueroa, a content creator at the YouTube channel Zorito y Doug, makes up the cost of the $150 annual fee on an airline credit card. “The savings are $70 round trip per passenger listed in the same reservation,” he says. 

TSA or Global Entry credit : Some travel cards issue a credit (up to $100) when you use them to pay for a TSA or Global Entry application fee. These expedited airport security screening programs can save time while traveling.

Travel credits: Depending on the card’s terms, travel credits may be used to save money on a variety of travel expenses like rideshare services, airfare or accommodations. 

Airport lounge access: You can skip the pricey airport food with some travel credit cards that offer complimentary airport lounge access . Austin Maxwell, a South Carolina-based content creator at the blog The Maxwells Travel, uses a travel credit card to avoid those costs. “I’m saving $20 to $30 every time I go to the airport because I don’t have to buy food or drinks during a layover or preflight,” he says.

A companion ticket: Some airline credit cards cover the cost of a ticket for a friend or family member. Depending on the card's terms, you may have to pay taxes and fees on the fare, the companion ticket may have an expiration date and/or a spending requirement may apply.

Automatic elite status: You may earn elite status without much effort on some hotel-branded credit cards. Elite status can add up to valuable savings if the program offers free food, bonus points or suite upgrades.  

Free nights: If your favorite hotel has a branded credit card that offers annual free night awards, it can stretch your vacation budget. 

Protections and other benefits

A travel credit card that offers trip delay or cancellation insurance, lost baggage insurance, rental car coverage or other protections may also be of value to you. To qualify for these benefits you typically need to pay for the trip or covered purchase with the eligible credit card. Read the terms carefully to understand the extent of your coverage.

Figueroa says he saved $90 over three days with his card’s primary rental car coverage on a trip to Miami.

“Once you make the online reservation, you must decline all insurance offered by the rental company and pay for everything with your [card],” he says.

High-value reward redemptions

Points or miles on some travel credit cards might lose value if they are used for non-travel redemptions like cash back, gift cards or other options. Travel redemptions typically offer the best value, and you might squeeze out even more value with a general-purpose travel card that allows points to transfer to airline or hotel partners. It’s a strategy that Maxwell uses often to his advantage.

“It’s even better if there’s a transfer bonus associated with that," he says. "Credit card companies offer transfer bonuses — 15%, 20%, 30% bonus — if you are to transfer points to a specific airline.”

He says he has also transferred points to hotel partners to book hotel rooms with them. “It would be the equivalent of getting a hotel room at $120 that’s actually valued at $500,” he adds.

To determine whether to redeem rewards for travel or transfer them to a partner, compare costs by checking the credit card’s booking platform and the partner’s website. Also factor in whether rewards transfer on at least a 1:1 ratio, meaning that you'll get the equivalent value in points or miles transferred.

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Using Your NatWest Credit Card While Travelling Abroad in 2024: Fees, Benefits, and Alternatives

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.

Are you planning to use your NatWest credit card on your next trip abroad? Well, prepare for a few potential headaches: many NatWest customers have reported unexpectedly high fees on their statements after using their credit cards while travelling overseas.

As we'll see, it all depends on your credit card type . Most NatWest credit cards charge foreign exchange fees, but not all!

Fortunately, if you're using a NatWest credit card with foreign exchange fees, there are a few alternatives if you prefer low-cost holiday spending. In this post, we walk you through the fees and exchange rates you'll meet when using your NatWest credit card abroad and offer savvier alternatives to use instead. So, whether planning a weekend getaway, a business trip, or a dream vacation, read on to learn how to make the most of your card spending while abroad!

NatWest's credit cards are expensive to use abroad. Here are the cheapest alternatives instead:

• Paysend : Best card for non-GBP transactions.
• Revolut : Best card for non-GBP cash withdrawals.
• Starling Bank : Best bank alternative to NatWest.

Key Facts About NatWest Credit Cards Abroad

Using your natwest credit card abroad.

• 01. How to use your NatWest credit card abroad scroll down
• 02. Fees for using your NatWest credit card abroad scroll down
• 03. Best travel card alternatives scroll down
• 04. FAQ about using your NatWest credit card abroad scroll down

It should go without saying that credit cards are versatile tools that you can use to handle all kinds of financial transactions while on holiday abroad. This is no different with NatWest. Whether you have a Balance Transfer, Reward, Reward Black, or any other NatWest credit card, you'll be able to:

• Pay at point-of-sale machines in foreign countries,
• Withdraw local cash banknotes from foreign cashpoints,
• Book or handle deposits for car rental agencies, hotels, or flights.

In addition, some NatWest credit cards (like Platinum and Black) also let you take advantage of travel insurance, rewards, cashback, and other exclusive benefits while travelling abroad. It's always a good idea to check what benefits might apply to you before you travel so that you know what you can and cannot expect to take advantage of.

NatWest Credit Card Fees Abroad

Although they're easy and convenient to use abroad, NatWest credit cards come with some costs you should consider before travelling abroad. We've summarised them below (ignoring non-travel-related costs like annual fees, cash advance, and interest charges):

Verified: 3/3/2023

Everything considered, these fees can lead to surprisingly high costs when travelling abroad. Let's break them down with a typical example:

Point of Sales Transactions

Suppose, for example, you're on holiday in Paris and decide to spend €100 on a boutique fashion item you like. You pay with your NatWest credit card. The first thing that happens behind the scenes will be the conversion of your pounds into euros. Fortunately, this occurs at the Mastercard exchange rate (generally within 0.3% of the actual mid-market exchange rate) without NatWest charging its own exchange rate. This means you won't pay much for exchanging currency, and assuming your credit card is a Mastercard, you'd be paying £88.79 (at Mastercard's rate) instead of £88.49 (at the mid-market rate) on the final statement at the time of writing. Not a big deal, right?

However, it doesn't end there. Next, NatWest will hit you with a 2.75% foreign exchange fee. This fee is relatively high and leaves the final cost on your bank statement at £91.23 (2.75% or £2.44 higher than a fair exchange). This may not sound like a lot, but consider that you'll be hit with this fee every time you tap your credit card, so it all stacks up quite quickly.

Cash Withdrawals

The costs are even more profound when using your NatWest credit card to withdraw cash. Sticking with our example, suppose you next wanted to withdraw €1,000 to get you through a few more days of Parisian spending. Here, you would again pay the Mastercard exchange rate (£4.18 for a €1,000 conversion at the time of writing) plus the 2.75% foreign exchange fee (this time amounting to £24.41). On top of this, you'd then pay an additional 3% on the remaining amount (or £21.84 in this case).

After factoring in this combined £50.43 (or over 5%!) fee, the pound conversion on your bank statement would be a whopping £836.24.

Asked to choose between paying in GBP or the local currency? Always choose the local currency. Paying in Sterling at a foreign card or cash machine will slap a sneaky dynamic currency conversion fee onto your statement. Learn more here .

Natwest Credit Card & Reward Black Credit Card

If you hold either a Natwest Credit Card or a Reward Black Credit Card, then the above 2.75% foreign exchange fee doesn't apply.

This makes both of these two credit cards good options for travelling abroad (though don't forget, you'll still be charged a 3% fee for withdrawing foreign currency at cash machines abroad).

Better Alternatives

Fortunately, there are much more affordable ways to spend your sterling while travelling to Paris or anywhere else in the world. Below, we suggest three world-class UK-based alternatives for you to consider depending on your individual needs and preferences:

Paysend: Best for Tapping Your Card Abroad

Paysend is a low-cost money transfer company whose Paysend Global multi-currency account gives you a fee-free debit card . It's an excellent way to spend money while abroad from the UK because it allows you to pay in foreign currencies with no hidden fees and offers competitive exchange rates. It's almost always a far better deal than NatWest for overseas spending, and you can use it next to your NatWest current account whenever you leave the UK.

• Trust & Credibility 7.8
• Service & Quality 8.3
• Fees & Exchange Rates 9.3
• Customer Satisfaction 8.6
• Multi-currency balances: Yes (available in 13 currencies)
• Foreign exchange margin: 0%
• Foreign exchange fee: 0.5% - 2%
• ATM withdrawal fee: 2%
• Best for: Card payments in a foreign currency

Revolut: Best for ATM Withdrawals

Revolut's debit card is another good way to spend money while abroad because it allows you to pay in over 150 currencies at the real exchange rate (although fair use limits and weekend surcharges may apply), and additional features like budgeting tools and travel insurance (on the paid plans).

• Trust & Credibility 8.9
• Service & Quality 7.9
• Fees & Exchange Rates 8.3
• Customer Satisfaction 9.4
• Multi-currency balances: Yes (available in 35 currencies)
• Foreign exchange fee: 0.5%
• Best for: Foreign cash withdrawals, especially under £200 per month

Starling Bank: Best Complete Bank Alternative

Starling Bank is a first-class online bank whose debit Mastercard is an excellent way to spend money abroad because it offers no fees whatsoever on any foreign currency spending. It also provides an excellent current account which we've ranked as the best online bank in the UK .

• Trust & Credibility 9.3
• Service & Quality 8.5
• Fees & Exchange Rates 10
• Customer Satisfaction 9.3
• Multi-currency balances: No
• Foreign exchange: 0%
• ATM withdrawal fee: 0%
• Best for: A complete bank account alternative to NatWest

FAQ About NatWest Credit Card Abroad

Yes, you can most certainly use your NatWest credit card abroad! Being cards issued by Mastercard and offered by one of the UK's largest banks, NatWest credit cards are accepted worldwide, and you can use them to make purchases or withdraw cash from ATMs. However, you may be charged a fee for using your card abroad, so it's best to compare your options online before you decide to use your NatWest credit card on your next holiday.

If you use your NatWest credit card abroad, in most cases, you'll be charged a foreign exchange fee of up to 2.75%, and if you withdraw cash from an ATM, you'll additionally be charged a cash withdrawal fee of 3%. You may also be charged a third-party ATM network fee, though these fees aren't charged by NatWest but are set by the bank or operator that owns the ATM.

You can use a travel card to avoid fees when using your NatWest credit card abroad. There are excellent options out there like Paysend and Revolut , which charge incredibly competitive fees and exchange rates when travelling abroad, as well as multi-currency balances to help you dodge conversion fees altogether when tapping your card or withdrawing cash.

You can notify NatWest that you intend to travel abroad by using their mobile app. Just tap 'Manage my card' on your banking app, then 'Going abroad', then 'Add trip'. This will let you register your travel plans with NatWest to reduce the likelihood of your credit card being blocked. Find more information here .

If your NatWest credit card is lost or stolen while travelling abroad, you should contact NatWest immediately to report the incident. This can be done in-app by selecting 'Manage my card'. You can find more information here . If your card is stolen, you should also consider contacting the police or local authorities to report the theft.

See Other UK Travel and Money Transfer Topics

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Frugal Traveler

Credit Card Swipe Fees Are Going Down. Are Points Going With Them?

A new agreement by Visa and Mastercard to reduce fees charged to merchants may drain the lucrative rewards that grant free travel to many credit card users.

By Elaine Glusac

Elaine Glusac is the Frugal Traveler columnist, focusing on budget-friendly tips and journeys.

On Tuesday, the largest credit card companies in the United States reached an agreement with merchants to reduce the so-called swipe fees retailers pay for accepting credit card payments, potentially saving the retailers $30 billion.

These fees also help fund the credit card rewards programs that many travelers redeem for things like free flights and hotel stays, leading points hawks to wonder: Are loyalty programs at risk?

Here’s what we know so far about the changes.

What are the terms of the deal?

Last year, credit card payments generated an estimated $72 billion in fees paid by merchants, which are generally passed along to customers in the form of higher prices. For nearly 20 years, merchants have been seeking reductions in the fees they pay Visa and Mastercard for handling transactions where the cards are used.

The proposed settlement , awaiting approval in a federal court, reduces and caps those fees for five years. It would also allow merchants to potentially charge consumers more based on the card they pay with. For example, a person paying with a premium card like the Chase Sapphire Reserve, which costs $550 a year, could be charged more than someone paying with the more basic Chase Sapphire Preferred card, with an annual fee of $95.

Why does it matter?

The majority of the fees collected go back to the banks that issue the credit cards. Those banks have used the funds to push premium credit cards that offer loyalty points, which can be redeemed for free travel and other perks. The cards with the biggest benefits tend to be those that charge higher swipe fees.

While the reduction in the fees collected sounds small — averaging at least .07 percent — they represent an estimated $30 billion over the five-year term of the deal, which banks could try to make up by reducing points perks.

“It’s reasonable to think that,” said Brian Kelly, the founder of the Points Guy , a news site devoted to maximizing credit card points.

While he speculated that banks will be able to “find other ways to make up the difference,” he acknowledged that a points squeeze could emerge.

“Opportunities to earn probably aren’t going to flourish,” he said.

The idea that merchants could charge more to the holders of premium, perks-rich cards, which are expensive, might also deter consumers from using them. Some experts question the viability of the practice given the potential for consumer backlash.

Is the new agreement related to the Credit Card Competition Act?

The legal actions that led to the new credit card agreement date back to 2005. But the newer Credit Card Competition Act , proposed in 2023, aims to introduce more competition in the credit card payment system. By creating a cheaper alternative pipeline for processing payments, the proposed legislation is seen as a greater threat to rewards programs.

Responding to the just-announced agreement between the credit card companies and retailers, Senator Dick Durbin, Democrat of Illinois, and the lead sponsor of the Credit Card Competition Act, released a statement urging the act’s passage.

“I fear that this deal only provides temporary concessions negotiated by a few lawyers behind closed doors,” he said in the statement.

Other experts said the agreement may ease the pressure on Congress to pass the act.

“I think it’s a way for Visa and Mastercard to show that they are making a good-faith effort to help out merchants by lowering the fees they’ve been complaining about for 20 years, and hopefully enough to let senators know they’re doing their part,” said Chris Hassan, the social media and brand manager for Upgraded Points , a website that tracks credit card benefits.

Separately, the proposed merger between Capital One and Discover, which is pending federal approval, could introduce more competition among credit cards and potentially improve rewards for holders of those cards.

What should I do now?

The points and payments systems won’t change until the agreement is approved, which is expected in late 2024 or early 2025, according to a news release from Mastercard.

But the topic should remind travelers of the reality of playing with points: The rules always change. Values tend to fall as redemption levels rise, which companies issuing these currencies are free to adjust at will.

If you have points, spend them, say experts like Sara Rathner, a travel and credit card specialist at the financial website NerdWallet . “They’re not a trophy to dust and admire.”

Follow New York Times Travel on Instagram and sign up for our weekly Travel Dispatch newsletter to get expert tips on traveling smarter and inspiration for your next vacation. Dreaming up a future getaway or just armchair traveling? Check out our 52 Places to Go in 2024 .

Open Up Your World

Considering a trip, or just some armchair traveling here are some ideas..

52 Places:  Why do we travel? For food, culture, adventure, natural beauty? Our 2024 list has all those elements, and more .

Mumbai:  Spend 36 hours in this fast-changing Indian city  by exploring ancient caves, catching a concert in a former textile mill and feasting on mangoes.

Kyoto:  The Japanese city’s dry gardens offer spots for quiet contemplation  in an increasingly overtouristed destination.

Iceland:  The country markets itself as a destination to see the northern lights. But they can be elusive, as one writer recently found .

Texas:  Canoeing the Rio Grande near Big Bend National Park can be magical. But as the river dries, it’s getting harder to find where a boat will actually float .

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Clearer card spending abroad

Which country or currency are you interested in, how will you be using your card, what type of card will you be using, what logo is on your card, good to know:, please select your card, how much do you plan on spending.

Last updated Today 09.30AM

This rate is  3.75  above the  ECB rate

This rate is  3.75  below the  ECB rate

Scheme Rate

Non-Sterling Transaction Fee

Cash Handling Fee

This is an estimate. The total cost is subject to your transaction clearing and may be different when you see it on your statement.

Currency conversion charges

When making a payment or withdrawing cash abroad, you might get the option to pay in that currency or Pound Sterling (£). If you choose Sterling, NatWest won't be handling the currency conversion, so any estimate we provide using this tool won't be at our rate. If you choose Sterling you may be charged more.

April 2024 Travel, Expense, and Card Policy Updates

The Travel and Card team is happy to announce the following policy updates and changes:

• UW-3022, International Travel : To align with Universities of Wisconsin foreign/international travel policy, two new allowable expenses associated with international travel will be added: international calling/data plans when accompanied by a business justification and required inoculations/vaccinations.
• UW-3024, Expense Reimbursement : Universities of Wisconsin require receipts regardless of cost for international calling/data plans as well as required inoculations/vaccinations. These have been added to the section “Receipts are always required…”
• UW-3018, Meals and Incidentals : A note has been added to clarify that individual phone calls are included in the incidental per diem rate, but international calling/data plans are reimbursable for foreign travel if supported by a UW business purpose.
• UW-3075, Official Functions and Expenses: Several Divisions on campus have reached out regarding whether children/dependent travel expenses may be included as part of an Official Function pre-approval for a UW-Madison job interview trip. Policy language currently limits this to “ a spouse/significant other/companion.” The “a” will be removed to allow for more flexibility in arranging job interview travel, where the number of accompanying individuals is not limited to one . The policy will now read: “Travel expenses for spouse/significant other/companions to accompany an applicant on a UW-Madison job interview trip.” The approved Official Function must outline each additional traveler for the job interview trip, the approved travel expenses for additional travelers, and the business benefit for including the additional traveler(s) on the job interview trip.
• UW-3026, Non-Payable/Non-Reimbursable Expenses : This policy needed to be updated to reflect that dependent travel expenses may be payable/reimbursable if associated with a preapproved Official Function for job applicant travel. Additionally, a provision for rental of graduation regalia was added. Purchase of regalia is neither payable nor reimbursable. Finally, we clarified a point of confusion around manuscript expenses; both article submission fees and article publication fees are payable/reimbursable when purchased using a card product (e.g., debit, credit).

All of these changes are reflected in the UW-Madison Policy Library .

Here's what the Credit Card Competition Act could do to your airline miles and travel rewards

• The Credit Card Competition Act would lower credit card swipe fees. 
• Major airlines have said that the bill could reduce or completely end travel reward programs. 
• About 40% of American credit card users have a card that is co-branded with a major airline.

When Jess Bohorquez stayed in a luxury hotel with a view of the Sydney Opera House, she didn't pay a cent.

The influencer and creator of "Points By J," a platform that teaches people tricks for low-cost travel, said she uses credit card points to upgrade her vacations and teaches her audience of over 180,000 Instagram followers to do the same. 

Since she started accumulating travel points a few years ago, Bohorquez told Business Insider she's gotten discounted flight upgrades, free hotel stays , and trip insurance through her Chase credit card. She even has access to premium lounges at most airports. 

"It gets you hooked once you have that first successful points deduction for free travel," said Bohorquez, adding that it's easy to get perks if you know the rules of your credit card. "It's such an exciting feeling."

However, those perks could be in danger of disappearing. The US credit card market is at a crossroads : Politicians and companies are struggling to compromise on how much card swipe fees should cost, who should get the money, and how all of it will impact consumers.

More than eight in 10 Americans use a credit card to make payments, get cash back, and build credit, according to The Federal Reserve . About 40% of those people have a card that is co-branded with a major airline.

Some lawmakers hope to bring more competition to the market, in hopes of limiting the power of major credit card companies and lowering fees. But airlines and travelers worry it could mean the end of rewards programs .

Major airlines' bottom line depends on credit card companies

The Credit Card Competition Act , which was introduced to Congress in June 2023 would require major banks to use at least one credit card payment network that isn't Mastercard or Visa — companies that control more than 80% of US credit card transactions — to introduce more competition into the credit card market.

Visa and Mastercard currently charge businesses about a 3% transaction fee when a customer uses their credit card. The more people that use a credit card, the more revenue banks and card companies make.

That's where airlines come in.

Airlines make money off selling tickets and offering in-flight purchases. But co-branded credit cards like Chase Sapphire Preferred, Delta SkyMiles, and the United Explorer Card are profit centers for banks and airlines.

Related stories

The airlines sell banks "points." Credit card holders are then awarded those points for spending money with the co-branded card. Banks and credit card companies make money off of the swipe fees, and airlines only have to pay for the points if they are actually redeemed by travelers. It also makes travelers more likely to choose their specific airline whenever they fly.

Sen. Dick Durbin , a Democrat from Illinois, is the lead sponsor of the Credit Card Competition Act. In a statement to Business Insider, he said the bill would introduce necessary competition into the credit card market.

Durbin worries that major airlines are becoming like "credit card companies that fly planes."

"(Airlines) want to protect the billions of dollars in windfall profits they collect through sweetheart deals they have negotiated with the biggest Wall Street banks at the expense of consumers and local businesses," he wrote.

Durbin said his bill would not end travel rewards.

Credit card rewards incentivize travelers

Businesses typically make up for these credit card swipe fees by raising prices for customers . In theory, increasing competition and lowering swipe fees would translate into more affordable consumer prices.

This could mean cheaper — or at least more stable — prices for buyers, per NerdWallet .

Bohorquez, however, said increased credit card competition is unlikely to lower prices in practice. Instead, she said business airlines and credit companies will be less incentivized to offer loyalty perks like frequent-flyer miles and fraud protections.

Major airlines have already said the Credit Card Competition Act could end these reward programs. Southwest Airlines said in a statement to BI that it "strongly opposes" the bill.

"This legislation is bad policy and would undermine, if not completely end, credit card rewards programs that millions of Americans rely on for their vacations or personal travel needs," Southwest wrote.

United Airlines referred BI to Airlines for America, a lobbying group that represents the US airline industry. Delta and American Airlines did not respond to BI by the time of publication.

Airlines for America said in a press release from July that airlines believe credit card competition would harm their "ability to reward our most enthusiastic customers' loyalty and putting the viability of these programs at risk."

Still, it's unclear whether the Competition Act will become law. The bill was referred to the Committee on Banking, Housing, and Urban Affairs in July, but hasn't yet been passed by the House or Senate.

Until more movement on the bill occurs, Bohorquez plans to make the most of her rewards.

"I'm not terribly worried about our points going anywhere anytime soon," she said. "I hope that people continue to earn and enjoy their credit card points and take a lot of free trips."

Do you use your credit card for travel rewards? Have you saved money on a vacation by using points? Reach out to this reporter at [email protected] .

Watch: While Delta's business is 'extremely robust,' the airline's marketing chief stays focused on the data

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Credit Cards > Reviews

Breeze Easy Visa Credit Card review 2024: Money-saving perks for fans of the startup carrier

Stella Shon

Allie Johnson

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Grace Pilling

Published 6:07 a.m. UTC April 10, 2024

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Breeze Airways remains relatively unknown, but this startup airline is a breath of fresh air for travelers in underserved areas. The airline offers nonstop routes from smaller airports to popular U.S. destinations, allowing flyers to skip connecting through busy airports.

Now, the low-cost airline is launching its first credit card, the Breeze Easy™ Visa® Credit Card * The information for the Breeze Easy™ Visa® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . Cardholders can earn BreezePoints on Breeze flights and everyday expenses and redeem them for flights, bags, seat assignments, and more.

Here’s our full Breeze Easy Visa Credit Card review and our take on whether frequent Breeze flyers should take a closer look. 

Breeze Easy Visa Credit Card basics

• Annual fee: $89.
• Welcome bonus: 50,000 BreezePoints after spending $2,000 in the first 90 days of account opening.
• Rewards: Earn up to 10 points per $1 on Nicer Bundles, Nicest Bundles and trip add-ons (5 points per $1 when the flight is purchased, plus 5 points per $1 once the flight is completed), up to 4 points per $1 on Nice Bundles (2 points per $1 when the flight is purchased, plus 2 points per $1 when flight is completed), 2 points per $1 on eligible grocery store and restaurant purchases (including inflight food and beverages and 1 point per $1 on other purchases.
• APR: 21.24% to 29.99% variable.
• Recommended credit score: Good to excellent.
• Does the card offer preapproval? No.
• Other benefits: Points never expire with the card, Group 1 Priority boarding, complimentary inflight Wi-Fi on Breeze Airbus fleet, 7,500-anniversary points after spending $10,000 in a year and no foreign transaction fees.

Breeze Easy Visa Credit Card review

A loyalty program is key to repeat business, and Breeze is offering its frequent flyers even more with the debut of a new travel rewards credit card. While the Breeze Easy Visa Credit Card isn’t for everyone, it provides plenty of value for the right cardholder.

You can earn up to 10 points per $1 on Nicer Bundles, Nicest Bundles and trip add-ons (5 points per $1 when the flight is purchased, plus 5 points per $1 once the flight is completed), up to 4 points per $1 on Nice Bundles (2 points per $1 when the flight is purchased, plus 2 points per $1 when flight is completed), 2 points per $1 on eligible grocery store and restaurant purchases (including inflight food and beverages and 1 point per $1 on other purchases.

In other words, you can get up to a 10% return on eligible Breeze purchases.

Your BreezePoints never expire as long as you have the card, and you can redeem them at a flat 1-cent-per-point rate for flights and other traveler extras such as checked bags and seat assignments.

But with an $89 annual fee, you’ll need to crunch the numbers to see if the card will provide enough value to justify the cost.

The card offers benefits you’d expect from any airline credit card , such as access to priority boarding for the cardholder and companions on the same reservation. And cardholders get free inflight Wi-Fi, saving $8 each way. (By the end of the year, Breeze plans to become a fleet of all Airbus A220s, one of the most comfortable regional jets to fly.)

In sum, Breeze offers an economical way to fly to dozens of U.S. destinations, and its new credit card is a natural fit for frequent Breeze travelers.

• Elevated points spent on Breeze flights and trip add-ons: That’s one of the best rewards rates on any airline credit card, giving flyers a generous haul of points for booking Breeze flights. 
• Complimentary Wi-Fi for all travelers on the same reservation: You won’t have to pay for internet connectivity, saving you $8 on every one-way flight.
• BreezePoints won’t expire : BreezePoints normally expire after 24 months, but the card will extend their shelf life for as long as your account remains open.
• Anniversary bonus: You’ll get a 7,500-point bonus every account anniversary, worth $75 for Breeze flights and more, if you spend at least $10,000 on the card each year. 
• No free bags: Airline credit cards typically come with a free checked bag, but this card does not waive the cost of checked bags. 
• BreezePoints are worth 1 cent apiece: While Breezy Rewards is a straightforward program, there’s no opportunity for outsized value, as with other frequent flyer program currencies.
• Full rewards only after your flight : With the card’s earning rate, you’ll earn half of the BreezePoints when purchasing the flight and the other half after the flight is complete. 

Breeze Easy Visa Credit Card rewards

Perhaps the most eye-catching feature of Breeze’s first-ever credit card is the ability to earn huge rewards on eligible Breeze Airways purchases. Let’s take a closer look at how the rewards break down:

Cardholders can earn up to 10 points per $1 on Nicer Bundles, Nicest Bundles and trip add-ons (5 points per $1 when the flight is purchased, plus 5 points per $1 once the flight is completed), up to 4 points per $1 on Nice Bundles (2 points per $1 when the flight is purchased, plus 2 points per $1 when flight is completed), 2 points per $1 on eligible grocery store and restaurant purchases (including inflight food and beverages and 1 point per $1 on other purchases.

New applicants can also earn 50,000 BreezePoints after spending $2,000 in the first 90 days of account opening. 

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has around $25,087 in annual expenses that can be charged to a credit card. 

We assumed the example cardholder purchased flights at the base-level ticket (Nice fare class). Here’s how our sample household’s rewards could break down:

Cardholders will earn BreezePoints through the Breezy Rewards program. In this example, the cardholder earned 37,119 points from card purchases, worth $371.19 for Breeze flights, baggage fees, seat assignments, and more. 

Breeze Airways is not part of an airline alliance, nor does it have any partnerships, except with new partner Priceline. You can only redeem your points for Breeze-related purchases, meaning there’s no opportunity to maximize rewards on other airlines. This is a key consideration if you want to apply for the Breeze card. 

Breeze Easy Visa Credit Card perks

An airline credit card is best suited to those who fly almost exclusively with the carrier, and the Breeze Easy Visa is no exception. Cardholders get the major advantage of free inflight Wi-Fi, saving them and companions on the same reservation $8 each way.

Furthermore, cardholders and their travel companions on the same reservation get Group 1 priority boarding. That means you’ll have first dibs on precious overhead bin space. The more you fly, the more value you’ll get from these benefits. 

In addition, cardholders get the chance to earn 7,500 bonus points each anniversary year after spending $10,000 in purchases. Those BreezePoints are worth $75 — nearly the cost of the annual fee — adding even more ongoing value. 

Although the airline has no international flights, the Breeze Easy card is a keeper for traveling abroad because there are no foreign transaction fees. It’s a Visa Signature card, which comes with complimentary travel insurance perks such as trip cancellation and interruption insurance, baggage delay coverage and more.

Breeze Easy Visa Credit Card drawbacks

One crucial feature the card is missing: a free bag benefit. Most airline credit cards will waive the cost of the first checked bag as a cardholder-exclusive perk. This could be a dealbreaker for some travelers.

At the lowest fare classes, Breeze only allows for one free personal item that must fit under the seat. The airline also operates on a dynamic bag pricing model, so the cost of a carry-on and checked bag will vary slightly depending on your flight route. 

While this may disappoint, remember that BreezePoints can be redeemed for extra charges, including bag fees. For instance, you can use 3,500 BreezePoints to wipe out a $35 carry-on bag charge. And, if you’ve booked a higher fare class (Nicer or Nicest), the cost of bags is included in the ticket bundle.

How the Breeze Easy Visa Credit Card compares to other travel cards 

Breeze easy visa credit card vs. chase sapphire preferred® card.

The Chase Sapphire Preferred Card , which has a $95 annual fee, is ideal for travelers looking to earn bonus points on travel and everyday purchases. You’ll earn 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.

Chase Ultimate Rewards® has an enticing list of transfer partners, including United and Southwest. Cardholders can redeem miles at an elevated 1.25-cent rate for travel purchases via the Chase travel portal. Unfortunately, you can’t book Breeze Airways flights on Chase Travel, so this isn’t a fit if you want to redeem points for Breeze flights. 

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Chase Sapphire Preferred® Card

Welcome bonus.

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℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• $95 annual fee.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card Details

• 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℠.
• Enjoy benefits such as 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, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Breeze Easy Visa Credit Card vs. Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The Capital One Venture Rewards Credit Card also has a $95 annual fee and offers the benefit of simplicity with 5 miles per $1 on hotels and rental cars booked through Capital One Travel and purchases through Capital One Entertainment and 2 miles per $1 on other purchases. You can redeem Capital One miles as a statement credit for any travel purchases made within the past 90 days at a rate of 1 cent apiece. This rewards flexibility is a big plus.

It’s also possible to outsize those rewards with Capital One’s airline and hotel transfer partner roster, especially for international flights. You’ll also benefit from a Global Entry/TSA PreCheck application fee credit (up to $100), a nice added travel perk. 

Breeze Easy Visa Credit Card vs. JetBlue Plus Card * The information for the JetBlue Plus Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

We’d be remiss not to offer a comparison to the JetBlue Plus card to see how the Breeze Easy card stacks up. The JetBlue Plus Card has a slightly higher $99 annual fee. It’s also issued by Barclays and offers similar earnings: 6 points per $1 on eligible JetBlue purchases, 2 points per $1 at restaurants and eligible grocery stores and 1 point per $1 on all other purchases. 

You’ll earn TrueBlue points, which can be redeemed for flights on the airline or partner carriers such as Qatar Airways or Hawaiian Airlines. The JetBlue Plus card offers a free first checked bag. This benefit provides at least $35 in savings each way, which helps offset the annual fee. 

Is the Breeze Easy Visa Credit Card worth it?

Between the card’s welcome bonus and ongoing rewards rates, there’s a lot of potential to stockpile BreezePoints. But unless you exclusively fly with the airline, it’s worth shopping around to see if another travel credit card will serve you better in the long term, especially if your goal is to save money on flights with a range of carriers, rather than just Breeze Airways.

Breeze Easy Visa Credit Card is right for you if:

• You frequently fly out of the airline’s main hubs .
• You want to earn rewards to save money on Breeze flights and travel purchases.
• You want to save money onboard Breeze flights with the card’s complimentary Wi-Fi.

Frequently asked questions (FAQs)

Airline credit cards, such as the new Breeze Easy card, offer ways for the most loyal flyers to save money on travel. This card is no exception, with plenty of ways to earn BreezePoints, free Wi-Fi and more for ultra-loyal Breeze passengers.

The Breeze Easy card costs $89 per year. This fee is in line with competing travel cards, which you might also want to consider for more flexible rewards earning, redemption and perks.

While the issuing bank, Barclays, does not disclose a specific credit score requirement, you’ll want to have good to excellent credit to increase your chances of qualifying for most travel credit cards. 

Breeze Airways does not offer a true business-class product, but the airline has a spacious recliner seat called “Ascent class” on its Airbus A220 fleet, and extra legroom seats. 

*The information for the Breeze Easy™ Visa® Credit Card, Capital One Venture Rewards Credit Card and JetBlue Plus Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Stella Shon is a freelance writer that connects the dots between personal finance and travel. Her work has appeared in The Points Guy, ValuePenguin and MoneyUnder30, and she's been interviewed by The New York Times, CNBC and more.

Allie is a journalist with a passion for money tips and advice. She's been writing about personal finance since the Great Recession for online publications such as Bankrate, CreditCards.com, MyWalletJoy and ValuePenguin. She's also written personal finance content for Discover, First Horizon Bank, The Hartford, Travelers and Synovus.

Grace Pilling is a deputy editor for credit cards at USA TODAY Blueprint. She believes credit cards are the ultimate choose-your-own-adventure tools of the financial world and gets excited about helping people discover the best credit card strategy for their unique goals. Prior to joining Blueprint, Grace worked on and led personal finance teams at Bankrate, CreditCards.com, MoneyUnder30 and MoneyGeek. She has a bachelor’s degree in English and writing and a diploma in editing and publishing.

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