citi bank travel debit card

Access a world of possibilities with Citigold benefits.

No ATM or Foreign Exchange Fees 2,3

Travel across the globe with the freedom of using any ATM, while enjoying waived ATM foreign exchange fees and unlimited refunds on ATM fees charged by other banks.

Citigold Lounges & Client Centers

Whether you’re in your home city or traveling abroad, you have exclusive access to lounges in Citi properties in cities around the world. Take a break to relax and recharge...

Home Connect Customer Service 5

Home Connect service provides toll-free access to your local Citigold service center from select foreign countries.

View Details of The Citigold Concierge Service

The Citigold Concierge Service 1

The complimentary Citigold Concierge service helps clients book reservations, tickets and vacations.

View Details on the World Wallet Currency Exchange

World Wallet Currency Exchange 4

If you need foreign currency, you have access to the next business day delivery of foreign currencies to your home, office or nearest branch. Plus, you get waived foreign exchange fees...

Emergency Cash 6

Citi is by your side when you travel with cash for eligible emergencies (up to $10,000 per day from the available funds in your Citigold Account).

Call Toll Free: 1-888-248-4465 | For TTY: We accept 711 or other Relay Service.

Ready to Get Started?

Open a new Citigold checking account to earn up to $2,500 with required activities.

Open a Checking Account Online

Call: 1-833-382-0004 EXT 1087 | For TTY: We accept 711 or other Relay Service.

Citi is here to help you meet your financial goals.

Sign On to schedule an appointment with your Citigold dedicated team.

If you would like to start another Citigold relationship, Open an Account Online .

Call the Dedicated Service Line: 1-833-382-0004 EXT 1087 | For TTY: We accept 711 or other Relay Service.

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Whether you’re in your home city or traveling abroad, you have exclusive access to lounges in Citi properties in cities around the world. Take a break to relax and recharge, attend unique invitation-only events, and meet with Citi financial professionals in a private setting.

Find a Citigold Lounge

If you need foreign currency, you have access to the next business day delivery of foreign currencies to your home, office or nearest branch. Plus, you get waived foreign exchange fees and waived delivery fees as a Citigold client. Currency conversions are done at competitive currency exchange rates. Your order will be debited from your Citibank checking, savings or money market account.

Call: 1-800-756-7050 (option 2) by 3pm CST 24 hr. Exchange Rate Hotline: 1-800-756-7050 (option 1) Toll-free International: 1-210-677-0065 Speech and Hearing Impaired Customers: dial 711

Unused Foreign Bank Note Exchange If you return from traveling with unused foreign bank notes, you can exchange them for U.S. dollars at any Citibank branch .

Disclosures

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!

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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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nab" target="_self" href="https://www1.citibank.com.au/nabintcid=meganav-au" rel="" innerhtml="the move to nab">the move to nab, sign into nab >" data-destinationurl="https://ib.nab.com.au/login" data-ctaposition="header:meganav" data-aria-label="click here to sign in to nab" target="_blank" href="https://ib.nab.com.au/login" rel="" innerhtml=" sign into nab > "> sign into nab >, report lost or stolen card" data-destinationurl="https://www1.citibank.com.au/help-and-support/lost-or-stolen-cardintcid=meganav-cu" data-ctaposition="header:meganav" data-aria-label="click here to report a lost or stolen card" target="_self" href="https://www1.citibank.com.au/help-and-support/lost-or-stolen-cardintcid=meganav-cu" rel="" innerhtml="report lost or stolen card">report lost or stolen card, report a scam" data-destinationurl="https://www1.citibank.com.au/help-and-support/scamsintcid=meganav-cu" data-ctaposition="header:meganav" data-aria-label="click here to report a scam" target="_self" href="https://www1.citibank.com.au/help-and-support/scamsintcid=meganav-cu" rel="" innerhtml="report a scam">report a scam.

Help and Support

Travelling Overseas

Please make sure you update your mobile number in Citi Online when travelling overseas, so we can reach you if we detect any irregular transactions on your account.

Before you Travel

Ensure you have done the following before you travel.

Ensure we have your overseas mobile number

There are inherent risks to using your card overseas such as card theft and skimming. To protect your account security, we will temporarily suspend your account if we suspect your card has been compromised and we can’t contact you. Your account will remain blocked until we can get in touch. To minimise any inconvenience, it's important that we have the mobile number you will be using while overseas.

You can update your mobile number by signing on to Citi Online, click Services > My Profile > Personal Information > View/Update Details > Update Information.

Download the Citi Mobile ® App

Download the Citi Mobile ® App and register for a mobile One-Time PIN (OTP). This allows you to generate an offline OTP to access your accounts, anywhere in the world. This feature is free to use internationally as no network coverage or internet connection is required to generate an offline OTP.

Please note that the offline mobile OTP function will not work if the time on your device is reset manually. If you would like to update the time on your device, please update the time zone or allow the network to select automatically.

Learn more  >

Learn more >

Set up your Citi Mobile ® Token to receive One-Time Pin (OTP) overseas

There are two ways you can receive an OTP while overseas.

1. Generate an OTP via the Citi Mobile ® App

You can get an OTP sent via the Citi Mobile ® App without internet connection or network coverage.

To receive an OTP via the Citi Mobile ® App you will need to activate the Citi Mobile® Token and set up your 4-digit passcode.

Log in to the Citi Mobile ® App
Tap the ‘Profile and Settings’ icon on the top left of the screen
Go to ‘Security & app’ in ‘Settings’
Select ‘Manage Citi Mobile ® Token
Tap ‘Create Unlock Code’
Create your 4-digit Unlock Code. Re-enter it to confirm
You will be able to receive the OTP via the Citi Mobile ® App

2. Receive an OTP via SMS

To receive an OTP to your mobile phone you will need to activate global roaming before travelling. The SMS OTP has been optimised for international delivery and is still delivered instantly.

Learn more >

1. Generate an OTP via the Citi Mobile ® App

You can get an OTP sent via the Citi Mobile ® App without internet connection or network coverage.

To receive an OTP via the Citi Mobile ® App you will need to activate the Citi Mobile® Token and set up your 4-digit passcode.

Log in to the Citi Mobile ® App
Tap the ‘Profile and Settings’ icon on the top left of the screen
Go to ‘Security & app’ in ‘Settings’
Select ‘Manage Citi Mobile ® Token
Tap ‘Create Unlock Code’
You will be able to receive the OTP via the Citi Mobile ® App

2. Receive an OTP via SMS

Learn more >

Check your card expiry date 

If your card is due to expire or it will expire while you are overseas and you have not received your new card, please contact us and our Customer Service Officers can assist.

Memorise your PIN 

Just like in Australia, many overseas countries will require a PIN when using your card to make purchases. Change your PIN to one you will remember.

You can change your PIN through the Citi Mobile ® App or on Citi Online.

Lost or stolen cards

To protect your account, take action immediately if your card is lost or stolen.

Credit Cards: If your card is lost or stolen you can check recent transactions, report the card as lost or stolen and block it using our digital channels. Learn more >

Alternatively, you can call us on 13 24 84 or +61 2 8225 0615 if you’re calling from overseas and we can assist you with reviewing recent transactions, blocking and replacing your card.

Debit Cards: Call us on 13 24 84 or +61 2 8225 0615 if you are calling from overseas and we can assist you with reviewing recent transactions, blocking and replacing your Debit Card.

Credit Cards: If your card is lost or stolen you can check recent transactions, report the card as lost or stolen and block it using our digital channels. Learn more >

Alternatively, you can call us on 13 24 84 or +61 2 8225 0615 if you’re calling from overseas and we can assist you with reviewing recent transactions, blocking and replacing your card.

Debit Cards: Call us on 13 24 84 or +61 2 8225 0615 if you are calling from overseas and we can assist you with reviewing recent transactions, blocking and replacing your Debit Card.

Travel Tips

Set up Easi-Pay

Set up Easi-Pay which will ensure your minimum repayments or full closing balance are made by the due date each month. You can keep this service when you come back too. Click here to set up Easi-Pay today .

Set up Mobile Wallet

Be prepared with an easy and convenient payment alternative in the event your cards are lost or stolen overseas. Turn your mobile phone into a mobile wallet and experience a faster, more convenient way to pay. Learn more >

Visit smarttraveller.com.au

This Government website has handy travel tips, advice and all the latest travel advisory warnings.

Keep your card safe

Keep an eye on your card at all times, we encourage you to always pay at the terminal when paying bills in restaurants and other places. Ensure that the merchant only swipes your card through one machine and if you suspect fraudulent behaviour call us straight away on 13 24 84 if in Australia or +61 2 8225 0615 when overseas.

Don't make a record of your PIN number and we encourage you not to use your birth date or any other personal details that could be easily determined.

Don't leave your card in unsecured locations such as in unaccompanied luggage.

MULTI-CURRENCY FEATURE

Manage Your Account
Multi-currency Feature

Travel light with Citibank Debit Mastercard ®

With the new Citibank Debit Mastercard ®

Pay in Your Preferred Foreign Currency with Citibank Debit MasterCard®

Access multiple foreign currencies with Citibank Debit Mastercard, for payments and withdrawals at Citibank ATMs overseas at no additional conversion fee. You will also enjoy attractive exchange rates for your foreign currency conversions on Citi Online Foreign Exchange (eFX).

To start enjoying this feature through your Citibank Debit Mastercard, simply apply for the Global Foreign Currency Account.

The foreign currencies are:

Australian Dollar (AUD)
Canadian Dollar (CAD)
Hong Kong Dollar (HKD)
Japanese Yen (JPY)
New Zealand Dollar (NZD)
Sterling Pound (GBP)
Swiss Franc (CHF)
US Dollar (USD)
UAE Dirham (AED)
South African Rand (ZAR)
Swedish Krona (SEK)
Norwegian Krone (NOK)
Danish Krone (DKK)
HOW DOES IT WORK
HOW TO APPLY
IMPORTANT INFORMATION

Get ready for your dream holiday. Every two weeks from 6 November to 31 December 2017, stand a chance to win a pair of business class tickets to 1 of 9 holiday destinations . On top of that, you get to choose the destination that's perfect for you. All you have to do is start spending on your Citibank Debit Mastercard today.

We are also pleased to extend our S$100 cash back * promotion so you can continue to spend locally and overseas with your Citibank Debit Mastercard till 31 December 2017.

The 9 destinations are:

Christchurch

New york city, zürich, how you can win.

At the end of each two-week period, the three highest spenders will win a pair of business class tickets to their destination of choice.

Spend using your Citibank Debit Mastercard.

Win, choose your destination and start packing!

The Destinations

From 18 to 31 December 2017, simply spend with your Citibank Debit Mastercard and if you are our top 3 spenders, you can win a pair of business class tickets* to either London, Paris or Zurich.

6 Nov - 19 Nov
20 Nov - 3 Dec
4 Dec - 17 Dec
18 Dec - 31 Dec

(Promo extended)

Earn up to S$100 cash back when you spend, both locally and abroad! The offer has been extended till 31 December 2017. T&Cs Apply.

Here's how it works:

Earn S$50 cash back when you spend at least S$500.

Earn an additional S$50 cash back if at least S$200 of your spending is in any of the 9 eligible foreign currencies.

Don't have a Citibank Debit Mastercard?

* Click here for the full promotion Terms and Conditions.

Purchase foreign currencies at your preferred rates

Save the hassle of searching for the best exchange rates with real-time alerts, or have currencies auto-purchased when markets hit your preferred rates with Citi eFX. Enjoy the convenience of purchasing currencies on-the-go.

FIND OUT MORE >

Safe and convenient

Avoid carrying bulky cash whenever you travel with this safe and convenient way of paying through your Citibank Debit Mastercard. Choose to also pay in the preferred foreign currency when you shop online globally.

Access cash anytime overseas

Enjoy cash withdrawals overseas at no foreign exchange conversion fee and administrative charge, at Citibank ATMs.

Track your account on the go

Stay updated with your latest transactions wherever you are, with Citibank Online and Citi Mobile ® App.

Exclusive Citibank Debit Mastercard Privileges

Gain access to exclusive social events and a host of lifestyle privileges tailored for you and your family.

Open a local and foreign currency account

If you do not have a Citibank Savings or Current account, please visit any branch.

For existing Citibank Savings and Current Account customers

*Tip: Set your target exchange rates on Citi eFX and be notified via SMS or email alerts when the rates are met.

Transfer from your SGD account to your Foreign Currency account

Select your choice of currency (eg. USD) from your Foreign Currency Account and link to your Citibank Debit Mastercard via Citibank Online .
For overseas travel and online purchases, ensure that your card is activated for overseas usage.
Simply log in to Citibank Online or Citi Mobile ® App to transfer funds from your SGD account to your foreign currency account.

Link your preferred currency to your Citibank Debit Mastercard

Select your choice of currency (e.g. USD) from your Foreign Currency Account and link to your Citibank Debit Mastercard via Citibank Online or Citi Mobile ® App
You are now ready to make purchases or withdrawals in your chosen currency, at no additional conversion fee.

Re-link your Citibank Debit Mastercard to a different currency

Login to Citibank Online to link your Citibank Debit Mastercard to a different currency (eg. SGD) after your overseas transaction or travels.

Sign up for the Global Foreign Currency Account now to access your preferred foreign currency via Citibank Debit Mastercard.

Global Foreign Currency Account

Gain access to multiple foreign currency types and carry out transactions on different currency types from a single platform.

Already have a Global Foreign Currency Account?

Apply for the Citibank Debit Mastercard to enjoy its benefits and privileges.
For existing account and cardholders, simply link your Citibank Debit Mastercard to the Foreign Currency Account via Citibank Online or Citi Mobile ® App.

The Multi-currency feature on your Citibank Debit Mastercard is also available with:

US$ Savings Account
US$ Checking Account

The multi-currency feature allows you to make purchases overseas at point-of-sale or online using your Debit Card without incurring additional foreign currency conversion fees and admin fees.

For example, if you are travelling to Hong Kong and have a HKD Foreign Currency Account with us, you can set your Debit Card Linkage to your HKD Foreign Currency Account so that any HKD transactions will be debited directly from your HKD Foreign Currency Account at no additional conversion fees.

The multiple foreign currencies are Swiss Franc, Australian Dollar, Canadian Dollar, Euro, Hong Kong Dollar, Japanese Yen, New Zealand Dollar, Sterling Pound, US Dollar, UAE Dirham, South African Rand, Swedish Krona, Norwegian Krone and Danish Krone.

You need to select the foreign currency account you wish to debit as your primary account via Citibank Online or Citi Mobile ® App. Once the selection of your desired foreign currency account is completed, your subsequent overseas/online transactions and any ATM cash withdrawals will be conducted and debited from your account in your selected foreign currency by default.

In some online shopping sites, merchants may in their own discretion and without giving prior notice authorize an online transaction before shipment. In such cases, the transaction will be subjected to a currency conversion fee and admin fee if your Debit Card is linked to a different currency account from the transaction currency.

Please ensure that the amount of your online transaction has been set aside in your Foreign Currency Account before changing your Debit Card Linkage.

You can easily keep track of all your transactions performed on Citibank Online or Citi Mobile ® App.

You may do so via Citibank Online or Citi Mobile ® App. Remember to change your Debit Card Linkage immediately to a different currency (i.e. SGD) after your overseas transactions or travels.

You may incur foreign currency conversion fees for transactions performed in SGD if you do not revert your primary account to your preferred SGD account after use or travel.

Your transaction will be declined.

Your daily transaction limit is set at S$2,000 or equivalent in foreign currency at the prevailing exchange rate on the day the spending in foreign currency is made.

No, this feature is only applicable for point-of-sale, e-commerce and withdrawal transactions.

Important information pertaining to the use of your Citibank Debit Mastercard

In addition to ATM withdrawal functions, your Debit Card also allows you to sign for local and overseas purchases, perform contactless payment via Mastercard Contactless (including through the use of digital wallets like Citi Pay and Samsung Pay) and card-not-present transactions (such as mail and phone orders) (collectively, "Debit Card Transactions") which shall be paid for by directly deducting the transaction amount from your primary bank account. If your Debit Card is tagged to a Foreign Currency Account as your primary bank account or if you make cash withdrawals from your Foreign Currency Account, where the Debit Card Transaction and/or cash withdrawal is in a different currency from the Foreign Currency Account, please note that the Debit Card Transaction/ cash withdrawal will be subject to an administrative fee of up to 2.5% on the converted amount, or such other rate as determined and notified to you.

Your Debit Card therefore carries the risk of unauthorized signature-based, contactless payment or card-not-present transactions. Please note that the default daily limit for these types of Debit Card Transactions is S$2,000 unless revised by you. For replacement card: if you had previously revised your old Debit Card's daily limit, your new Debit Card daily limit remains the same as your existing daily limit of your old card or the available balance in your primary bank account, whichever is lower. For clarity, this limit is shared between the Debit Card Transactions that you are permitted to effect using your Debit Card. You may choose to increase or decrease this limit upon activation.

In addition, because the magnetic stripe of your Debit Card contains sensitive payment card data, double swiping the magnetic stripe of your Debit Card on Point-of-Sale readers or Electronic Cash Registers may expose it to skimming and/or cloning and hence theft of your sensitive payment card data. To protect your information from being skimmed and/or cloned, it is recommended that the magnetic stripe of your Citibank Debit Card is not swiped on Point-of-Sale readers or Electronic Cash Registers.

Debit cards are similar to ATM cards. You can use your debit card with your personal identification number (PIN) to withdraw cash from ATMs. You can use it to purchase goods and services. For purchases made on debit cards, the purchase amount is immediately deducted from your bank account. You can spend only the amount in your account. Make sure your card is safe at all times.

Your debit card carries the Mastercard branding which allows you to perform signature-based Point-Of-Sale (POS) transactions. While this may seem similar to credit cards, do note that when you use credit cards, you are paying on credit. But when you use a debit card, the purchase amount or withdrawal is deducted immediately and directly from your account.

Although the Mastercard that you have received is a chip card it also has the magnetic stripe for overseas use. While chip technology can reduce the risks of cloning, the magnetic stripe portion of the debit card can still be cloned. As debit cards allow customers to sign off on the receipt, there is also a risk of forgery.

Some merchants allow you to make transactions below a certain value without the need to sign off on the transaction receipt. Do ask the merchant for a receipt of the transaction to ensure the correct amount is deducted. If the wrong payment amount is deducted, please contact Citibank immediately.

Your debit card details (such as name, account number, expiry date etc.) may be captured by fraudsters either through skimming or via intercepted online transactions. Fraudsters will then be able to use such information to clone a card or perform fraudulent card-not-present transactions (such as online or mail-order-telephone-order (MOTO) transactions).

However, for online purchases with merchants whose websites are enabled with the 3D Secure Technology, you will be asked to enter a One-Time Password before you can complete the transaction. This helps to protect you against online fraud and is a secure way to authenticate that you are making the purchase as the rightful owner of the debit card being used. Inform Citibank immediately if you have received a One-Time Password (OTP) but you did not make the transaction.

If you lose your debit card, inform Citibank immediately. If your card is stolen, make a police report and inform Citibank immediately.

Once you report the loss, your maximum liability for unauthorised charges prior to reporting the loss to Citibank will be capped at $100. This cap applies provided you have not acted fraudulently, or were not grossly negligent, or did not fail to inform Citibank as soon as reasonably practicable after you became aware that the card was lost or stolen.

Never leave your debit card or documents containing its details lying around.
Sign the back of your debit card with permanent ink as soon as you receive it.
Safeguard your card details. Do not disclose your personal identification number (PIN) for cash withdrawals to anyone. Memorise your PIN and destroy the PIN mailer.
Only shop at reputable and legitimate merchants (including online stores). Do not perform online transactions using shared devices such as computers in cybercafes.
When you make small value transactions without the need to sign off on the receipt, ask the merchant for a receipt of the transaction to ensure the correct amount is deducted.
Check regularly that your cards are with you.
Call Citibank immediately if your card or card information is lost or stolen. Note the time and date when you do so.

For a comparison of ATM, Debit and Credit Cards, we urge you to visit MoneySense by clicking here .

Disclaimer: Disclaimer:

Your Citibank Debit Card comes with a daily point of sales limit that is set at S$2,000. This limit is shared between signature-based, contactless payments (e.g. Mastercard Contactless and payments made using digital wallets) and card not present transactions (including mail and phone orders). You may choose to increase/decrease this limit upon activation of your Citibank Debit Card. Notwithstanding the limit that you set, the limit on your Citibank Debit Card will remain subject to your available bank balance.

Where we allow your Citibank Debit Mastercard to be tagged to a Foreign Currency Account and used for any and/or all foreign currency fund in the Foreign Currency Account, foreign currency transactions and Cash Withdrawals will be directly authorized from the respective Foreign Currency Account in the foreign currency directly provided that that there are sufficient funds in the relevant foreign currency. In the event that you perform a Cash Withdrawal and/or Card Transactions in a different currency from the Foreign Currency Account tagged to your Citibank Debit Mastercard , the transaction will be subject to an administrative fee of up to 2.5% on the converted amount, or such other rate as determined by us and notified to you.

Where your Citibank Debit Card has Mastercard Card Transaction functionality enabled, you acknowledge and accept that the Citibank Debit Card carries risk of unauthorized signature-based, contactless payments (e.g. Mastercard Contactless and other payments made using digital wallets) or card not present transactions.

Double Swiping is a term used to describe the act of a second swipe of a payment card at a Point-of-Sale terminal after the first swipe to obtain initial authorization from the bank. The second swipe effectively exposes your Citibank Debit Card's magnetic stripe full track data to compromise. You acknowledge and accept that double swiping the magnetic stripe of your Citibank Debit Card on Point-of-Sale readers or Electronic Cash Registers increases the risk of skimming and/or cloning and hence the theft of your sensitive payment card data.

Any customers using Citibank eFX acknowledge and accept that all transactions they make are made solely upon their judgment and at their discretion and own risk. Nothing in Citibank's brochures, investment reports and/or any of Citibank's material supplied to the customer, nor any customer investment profiling conducted for the customer, shall be construed as Citibank's investment advice as regards the relative attractiveness of one investment option over another. Investors investing in investment and/or treasury products denominated in non-local currency should be aware of the risks of exchange rate fluctuations that may cause a loss of principal when foreign currency is converted back to the investors' home currency. Foreign currency trading is subject to rate fluctuations, which may provide both opportunities and risks. Customers who have any questions about their legal or tax positions as a result of opening an account with Citibank or effecting any transaction on an account with Citibank should engage an independent legal or tax adviser as they consider appropriate.

Exchange controls may apply from time to time to certain foreign currencies. Our Treasury Services Managers and Relationship Managers may assist customers with information on any exchange controls that are relevant to the currencies in which they invest. Placing contingent orders, such as "stop loss" or "stop limit" orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders.

Citibank's full disclaimers, terms and conditions apply to individual products and banking services. This communication does not constitute the distribution of any information or the making of any offer of solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such document or to make any offer or solicitation.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For more information, please visit www.sdic.org.sg .

TRAVELLING OVERSEAS

Global Banking
Travelling overseas

'There's always something so exciting about arriving in a new city.

We enjoy exclusive discounts at restaurants, hotels, car rental companies and shopping malls with Citi World Privileges'.

Your passport to global banking.

The world is a big place full of exciting adventures. At Citibank, we want to help you enjoy every minute of your travels. Take advantage of Citibank's global presence by tapping into our international branch and ATM network, and international support services.

Before you leave home

For your convenience, you no longer need to contact Citibank to advise us of your travel plans. In the event any of your transactions are detected as irregular activity, we will endeavour to contact you as soon as possible via text or voice call using the mobile number we have on file to discuss the situation.

There are inherent risks to using your card overseas such as card theft and skimming, to protect your account security, we will temporarily suspend your account if you are not contactable and your account will remain blocked until we have contacted you. To minimise any inconvenience, it is important that you ensure we have your correct mobile number that you will be using whilst overseas. You can update your mobile number by logging onto Citibank Online, click Services > My Profile > Personal Information > View / Update details.

Click here to learn more about the top five things to do before going overseas.

Lost or stolen cards

If your card is lost or stolen, please contact us as soon as possible, at any time, via our international customer service number +61 2 8225 0615. One of our Customer Service Officers will review your recent transactions, block your account to stop any fraudulent activity and organise to issue you with a new card.

Emergency cash

If you ever misplace your wallet or get caught in a bind while travelling, you may be able to access your money at a Citibank branch. Please note that withdrawal limits and transaction fees vary based on the country you are visiting and that Citibank locations may not be in all countries visited.

Citibank World Privileges

Spa & Health

Tourist information

Citibank has teamed up with Lonely Planet to give you an insider's view on some of the world's most intriguing hotels, museums, retail shops, spas, historic sites and more. You can access:

Customised City Guides for some of the most exciting cities in the world. Guides include travel tips like local customs, etiquette and hot spots.
Points of interest across 50 of the world's most dynamic cities.

Citigold advantage

If you have or open a Citigold account, you may also enjoy additional benefits when travelling. An example is access to International SOS, the world's leading provider of medical assistance. If you ever need medical help whilst abroad, ISOS provides your guaranteed peace of mind. Benefits do vary by country, please contact your local Citibank location for more information.

Protecting your card

Citibank takes the security of your account seriously and we constantly monitor for any unusual activity on your account.

In the event your card is not working or if you encounter any other card usage issues , you can contact us at citibank.com.au/contactus .

Using Citi Mobile overseas

The Citi Mobile app allows you to generate an offline One-Time PIN for use when banking on Citibank Online, anywhere in the world.

This feature is free to use internationally as no network coverage or internet connection is required to generate an offline One-Time PIN. Learn more at citibank.com.au/otp .

Mastercard Traveller Rewards

Receive exclusive offers and cashback on travel or shopping purchases when paying with your Citi Debit Mastercard at participating overseas retailers 1 .

Important information:

1. Offers are not provided or administered by Citigroup Pty Ltd. For full terms and conditions please visit www.mastercard.com/travelerrewards

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Notificación importante

Por favor, tenga en cuenta que las comunicaciones verbales y escritas de Citi podrían estar únicamente en inglés, ya que, tal vez, no podamos proporcionar comunicaciones relacionadas con los servicios en todos los idiomas. Estas comunicaciones podrían incluir, entre otras, contratos, divulgaciones y estados de cuenta, cambios en los términos o en los cargos, así como cualquier documento de mantenimiento de su cuenta.

Please be advised that verbal and written communications from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.

CITI TRAVEL with Booking.com

Coming soon, introducing citi travel sm : your first stop to your next destination.

The Citi Travel site will give eligible Citi ThankYou ® cardmembers an expansive, all-in-one view of seemingly endless booking options. With exciting offers and the flexibility to book when and how you want, the way to go is now way easier. For more ways to redeem, your points visit thankyou.com.

Access to over 1.4 million hotel and resort options

Competitive prices when booking flights, hotels, cars and attractions, 24/7 customer service support for your booking needs.

Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com

To provide you with extra security, we may need to ask for more information before you can use the feature you selected.

Just a moment, please...

Get Citibank information on the countries & jurisdictions we serve

You are leaving a Citi Website and going to a third party site. That site may have a privacy policy different from Citi and may provide less security than this Citi site. Citi and its affiliates are not responsible for the products, services, and content on the third party website. Do you want to go to the third party site?

Citi is not responsible for the products, services or facilities provided and/or owned by other companies.

Share Your Screen With A Phone Representative

During your call, you may be asked to share your screen for a faster, more efficient experience. If you agree, the phone representative you're speaking with will give you a Service Code to enter below.

If you need assistance from a Citi representative, contact us via chat or phone

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You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

The Guide to Citi Credit Card Travel Insurance

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 .

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Do Citi cards have travel insurance?

Car rental insurance, costco anywhere visa® card by citi travel insurance benefits, citi® / aadvantage® executive world elite mastercard® travel insurance coverage, does citibank offer travel insurance.

Citi credit cards provide a host of benefits, including some generous points and miles earning opportunities (depending on the card you have).

But, when it comes to travel insurance, let’s just say it’s not necessarily Citi cards' strong suit.

Still, there are Citibank travel insurance benefits you should know about to ensure you use the right card when paying for your next trip. Here are the primary benefits associated with Citi card travel insurance.

Only two Citi cards have travel insurance, and each one has a different set of benefits: The Costco Anywhere Visa® Card by Citi and the Citi® / AAdvantage® Executive World Elite Mastercard® .

Citibank Costco-Anywhere Visa Card Credit Card

on Citibank's application

Citibank Citi® / AAdvantage® Executive World Elite™ MasterCard® Credit Card

Both cards provide rental car insurance.

The Costco Anywhere Visa® Card by Citi also offers roadside assistance, worldwide travel accident insurance and a 24/7 concierge for travel and emergency assistance. The Citi® / AAdvantage® Executive World Elite Mastercard® , on the other hand, offers baggage protection, trip cancellation/interruption insurance and trip delay protections.

» Learn more: Best Citi credit cards right now

If you use either of the two Citi credit cards listed above to pay for a car rental, Citi travel insurance will protect any damages to a rental car up to $50,000.

This amount will cover the cost of repairs or the cash value of the car, whichever is lower. It applies anywhere you rent a car — there are no geographic limitations — as long as the rental period is no longer than 31 days. Citibank travel insurance covers accidental damage, theft, vandalism or a natural disaster, and any necessary towing costs.

Citi's rental car insurance is secondary when renting a car within the U.S., but if you're renting outside of the country, it switches to primary coverage.

With secondary insurance, you need to rely on any other insurance coverage you have before Citi’s car rental insurance kicks in. Primary insurance, alternatively, will be the first line of coverage you have.

Coverage wouldn't apply if you rent the car to someone else or operate a rental car as a rideshare vehicle. It also only covers the car, not any personal injuries that might result from an accident.

There are several types of vehicles that are excluded from coverage. These include:

Trucks, pickup trucks, trailers, full-size vans on a truck chassis or recreational vehicles like campers and off-road vehicles.

Motorcycles or motorized bikes.

Commercial vehicles or cargo vans.

Any vehicle with fewer than four wheels.

Antique vehicles older than 20 years or that have not been made in the past decade.

Limousines.

Sport-utility trucks or open, flat-bed trucks.

Any vehicle that retails for over $50,000.

» Learn more: Rental car insurance explained

Roadside assistance

When driving in the U.S., roadside assistance is available for Costco Anywhere Visa® Card by Citi cardholders by calling 866-918-4670.

Roadside assistance is valuable in the event of an accident, loss of fuel or other vehicle malfunction. Keep in mind that you would still have to pay for the assistance (like a tow truck, for example), but this benefit makes it easy to reach someone with one phone call.

Citi card provides access to similar assistance as a membership program like AAA . The difference is that AAA’s annual fee covers roadside assistance fees while Citi's coverage doesn't; it solely provides access to someone who can help you for a reduced rate.

Several credit cards provide some type of roadside assistance and are worth considering before paying the annual fee for AAA.

Worldwide travel accident insurance

The Costco Anywhere Visa® Card by Citi includes accident insurance, which covers the cardholder or family members if they are injured or killed when traveling on a common carrier (any vehicle that is licensed to carry passengers like a bus, plane, cruise ship or train).

You will need to have used the Citi card to cover the entire cost of the travel on that common carrier for the benefit to apply. The maximum coverage is $250,000.

» Learn more: How does travel insurance work?

Travel and emergency assistance

The Costco Anywhere Visa® Card by Citi card provides access to a 24/7 concierge to help you with a disruption to your trip. This can include medical assistance, referrals to a doctor or legal help. It can also help if you need to adjust travel plans.

Just remember, you’ll be responsible for paying for any services used, but the call is toll-free.

Baggage protection

Only available for the Citi® / AAdvantage® Executive World Elite Mastercard® , this luggage protection provides coverage if your checked bag is stolen, lost or damaged.

The insurance covers as much as $3,000 per person ($2,000 for New York residents), but only kicks in if you use the card or American AAdvantage miles to pay for the trip.

» Learn more: The guide to baggage insurance

Trip cancellation and interruption insurance

If a covered traveler has a medical emergency or dies, the Citi® / AAdvantage® Executive World Elite Mastercard® coverage can provide reimbursement for up to $5,000 in eligible nonrefundable expenses.

You would need to use the card or American AAdvantage miles to pay for the trip.

Trip delay protection

Another benefit that’s reserved only for the Citi® / AAdvantage® Executive World Elite Mastercard® is trip delay protection . This coverage kicks in if your trip is delayed by at least six hours, and offers reimbursement for expenses incurred during the delay, up to $500 per trip.

This would include reasonable purchases like hotel stays, rental cars and meals.

» Learn more: The best travel credit cards right now

Citibank travel insurance is available, but limited. It is only offered on two cards and isn't as comprehensive as other credit cards with travel insurance .

Both cards include rental car coverage, but beyond this, each has its own set of benefits. Depending on which one you hold, it may include coverage like trip delay protection or roadside assistance.

People hold Citi cards for many reasons, including the ability to earn transferable Citi ThankYou Points . But, the travel insurance benefits are somewhat limited. If you have a Citi card, review the travel insurance perks before you take off to understand your coverage.

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-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent 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 $900 toward travel when you redeem through Chase Travel℠.

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℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

What are virtual cards and when should you use them?

Let's be real. Sometimes, suspicious online websites have the best deals or the items we need. When you feel hesitant about entering your card information, you could use a virtual card -- not to be confused with a digital wallet .

Also: Is Temu legit? Everything to know before you place your first order

In observation of Financial Literacy Month, Google shared ways users can protect their payment information when using Google Pay. Unsurprisingly, given their ability to protect your card information easily and efficiently, virtual cards made the list.

So, what are virtual cards?

A virtual card is a unique credit card number you can enter on a site to complete a transaction. The technology masks your actual card information, keeping it hidden from businesses and protecting you against fraud.

Some virtual cards expire after every transaction, so if anyone accesses your card information, that number would be useless to them. Other virtual cards, like Google Pay , have a longer duration.

Also: The best budgeting apps: Find the Mint alternative that's right for you

If someone steals your virtual card's payment information, you can cancel just that virtual card instead of your entire credit card. Once you cancel the virtual account, the thief no longer has access to your credit card, which you can continue using.

Creating a virtual card is free and easy, and there are multiple ways to do so, regardless of the type of phone, browser, or card you use.

How can you create a virtual card?

Google pay .

One way to create a virtual card is by using Google Pay. When you check out from Chrome desktop or mobile, if you have an eligible American Express, Capital One, or Citi card, you have the option to save your card as a virtual card.

Then, every time you autofill your card information using Google Play, your virtual card information will be inputted automatically. If you don't use Google Pay, don't worry -- there are other options.

Your credit card

Many major credit card companies offer virtual cards within their platform to users free of charge, including American Express, Capital One, Mastercard, or Citi. For example, as a Citibank credit card holder, I can go into the app and generate a virtual card number simply by tapping the quick action.

I often use this feature when I try to place an online order, am nowhere near my wallet, need to enter my credit card information, and have no desire to get up. While this isn't the intended use case, it's still a big plus.

Also: Proton VPN review (2024): A very solid VPN with robust leak protection

CNET has a comprehensive list of the best credit cards with virtual card numbers. You can cross-reference this list to see if your card is included. You can also see credit cards with the feature that you might want to consider in the future.

Third-party payment sites

Many popular third-party payment sites offer virtual cards, including Wise, Stripe, and PayPal. These cards function a little differently: you can choose what funds get added and create separation between your personal account and your virtual card.

For example, with the PayPal Debit Card, you can spend your PayPal balance online and in stores. You can load money onto that card from an eligible bank account or debit card. This approach gives you control over how much money someone can access if the payment information is stolen and makes it easier to cancel the account if needed.

The best AirTag wallets you can buy: Expert recommended

How to freeze your credit (and why you might want to), the best travel vpns: expert tested.

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Credit Cards

United Airlines credit cards have a secret perk that makes it easier to book awards

Jason Steele

Julie Sherrier

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

Robin Saks Frankel

Published 5:12 a.m. UTC April 22, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

joshblake, Getty Images

Sometimes the best reason to have an airline credit card isn’t necessarily for the miles you can earn and redeem, it’s for the perks.

You can earn far more points using Chase credit cards like the Chase Sapphire Preferred® Card and the Chase Freedom Flex℠ * The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. than you will from the cobranded United credit cards issued by Chase. And since you can transfer Chase Ultimate Rewards® points into United MileagePlus miles, there’s little reason to use a United card just to earn miles.

Instead, you should have a United MileagePlus card for its benefits, including free checked bags and discounts on in-flight purchases.

But there’s one other important benefit that you rarely see mentioned by Chase or United. MileagePlus cardmembers are eligible for “special member pricing” that’s otherwise reserved just for those with elite status. Just by having a United MileagePlus credit card, you’ll get the same, lower pricing that United elite status holders have access to, which can mean significant mileage savings on award flights.

our partner

Blueprint receives compensation from our partners for featured offers, which impacts how and where the placement is displayed.

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

What is “special member pricing”?

Let’s say you wanted to fly from Denver to Paris this summer. When I searched for flights on July 11, 2024, and filtered out options with more than one stop, I found flights starting at 70,000 miles.

But once I added my card to my MileagePlus account and logged in as a cardholder, the same options were available starting at just 40,000 miles.

You’ll notice that the lower priced options have a small notation indicating that it’s granted “special member pricing.” And true travel nerds might notice that the higher priced option shows a fare code of YN, while the lower priced option shows the code of XN, which is reserved for cardmembers and those with elite status.

Which credit cards offer United’s special member pricing?

All United MileagePlus credit cards issued by Chase include this benefit, which includes:

United Gateway℠ Card * The information for the United Gateway℠ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
United℠ Explorer Card * The information for the United℠ Explorer Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
United Quest℠ Card * The information for the United Quest℠ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
United Club℠ Infinite Card * The information for the United Club℠ Infinite Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
United℠ Business Card * The information for the United℠ Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
United Club℠ Business Card * The information for the United Club℠ Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Except for the no-annual-fee Gateway card, all of these cards have an annual fee — starting at a $0 intro annual fee for the first year, then $95 for the Explorer card and topping off at $525 for the United Club Infinite card.

If you’re just looking for access to lower-priced flight awards, you might be tempted to get the Gateway card, which comes with a welcome offer of 20,000 miles after spending $1,000 on purchases in the first three months of account opening. Instead, I’d recommend getting either the Explorer card, which currently has a welcome bonus of 50,000 miles after spending $3,000 on purchases in the first three months of account opening, the Quest card, which offers 60,000 miles and 500 Premier qualifying points after spending $4,000 on purchases in the first three months of account opening, or the Club Infinite card, which comes with 80,000 miles after spending $5,000 on purchases in the first three months of account opening.

After having the card for a year, you might decide that you want to keep the card for its other perks. But you can always request a downgrade to the no-annual-fee Gateway card. This move allows you to keep your miles and account open, eliminate the annual fee and continue to enjoy lower-priced flight awards.

Looking to get the most out of your United rewards? Read our guide on how to earn and redeem United miles

Final verdict

The hardest part of award travel isn’t always earning the points and miles, it’s finding efficient ways to spend them. United makes this easy for those with elite status and anyone who holds one of their credit cards. By signing up for the best card offer available and longer-term keeping a no-annual-fee United card open at all times, you can be assured of the lowest prices when you book your United award tickets.

*The information for the Chase Freedom Flex℠, United Club℠ Business Card, United Club℠ Infinite Card, United Gateway℠ Card, United Quest℠ Card, United℠ Business Card and United℠ Explorer 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.

Jason Steele is a freelance writer specializing in credit cards and award travel. Since 2008, Jason's work has appeared in over 100 outlets and he's been widely quoted in the mainstream media. Jason also produces CardCon, which is The Conference for Credit Card Media.

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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Khabarovsk: The city on the 5,000 ruble banknote

A night view of Khabarovsk, the capital of Russia's Far East. Source: Lori/Legion-Media

Located at the confluence of the Amur and Ussuri rivers, Khabarovsk (6140 kilometers from Moscow) is the second largest city in the Russian Far East after Vladivostok. Having grown from a small military post in the middle of the 19 th century, the city got its name from the famous Russian explorer Yerofei Khabarov, who surveyed the Amur River. Currently Khabarovsk is the administrative center of the Far Eastern Federal District.

Where to go on a first date with the city

Source: Lori/Legion-Media

The city was founded by Count Nikolai Muravyov-Amursky and the main street is named in his honor. Modern buildings and shopping centers coexist with old stone houses of gray and red. A monument to this famous Russian statesman can be found in the city’s Central Park. This statue can also be seen on the 5,000-ruble banknote.

The best way to explore Khabarovsk is on foot, beginning at Lenin Square and working your way towards the banks of the Amur River. The two main boulevards, Amursky and Ussuriisky, run parallel to each other. The architecture on Lenin and Serysheva streets, with its mostly Stalin-era structures, differs from the beautiful pre-revolutionary buildings on ul. Muravieva-Amurskogo. The Amursky and Ussuriisky boulevards did not exist until the mid-1960s.

Source: Shutterstock/Legion-Media

Khabarovsk is not a typical Russian city along the Trans-Siberian Railway. The unusual fusion of Russian and Chinese cultures is felt in the food, culture and even lifestyle of its residents. Japanese touches complement this picture in the form of blossoming cherry trees and cars with steering wheels on the right hand side. That Khabarovsk has such a strong Asian influence should not seem surprising, as the city is located only 17 kilometers from the state border with China. The nearest Chinese settlement, Fuyuan, is 65 kilometers down the river from Khabarovsk.

Khabarovsk’s gem is its picturesque river embankment and the Amursky rail and road bridge, which is also depicted on the 5,000-ruble banknote. Just like the Eiffel Tower, this bridge won the gold medal of the World Exhibition in Paris in the early 20 th century.

Khabarovsk's museums

Khabarovsk became famous during the Soviet period for a popular song about border guards that stand on the "high banks of the Amur" and protect the motherland. It is not hard to find old cannons on display in the city that were fired during the Russo-Japanese War.

At the present time Khabarovsk is the headquarters of Russia’s Far Eastern Military District.

The Military Historical Museum of the Far Eastern Military District depicts in great detail everything you ever wanted to know about the formation and development of the army in the Far East. Models of weapons from different years are exhibited over the museum’s 13 halls and heavy military equipment is placed in the courtyard of an observation deck. The museum itself is located in a historic building right on the bank of the Amur River.

The Far Eastern Art Museum, also known as the "Far East Tretyakov Gallery" features original works of ancient Russian art, as well as local artists from the Amur Region. Among the artists on display are Ivan Aivazovsky, Ivan Shishkin, Ilya Repin, Vasily Surikov, Isaak Levitan, Alexander Benois, Apollinaris Vasnetsov and Mikhail Vrubel. Many of these works of art came to the Far East from museums in Moscow and St. Petersburg.

The Khabarovsk Regional Museum holds collections of flora and fauna, ethnography exhibits of indigenous peoples and Slavic settlers, and displays by paleontologists and geologists that tell the city’s story from its foundation. The only archaeological museum in the Far East is the Okladnikov Museum, which features 120,000 ancient artifacts pertaining to the Amur Region.

For those traveling with children, Khabarovsk has special kid-friendly attractions including an aquarium featuring fresh water fish of the Amur River basin, as well as the Gaidar Amusement Park and the Khabarovsk State Circus.

Source: TASS/Alexander Savchenko

A living museum of Far Eastern flora can be found at the Khabarovsk Arboretum, established as an experimental laboratory in 1896. It has collected about 300 plant species that grow in the Ussuri taiga as well as those from the Himalayas, Central Asia and North America.

Khabarovsk is known for its parks such as Dynamo or Yuri Gagarin Park. The Central Park of Culture and Relaxation is perfect for taking leisurely strolls and leads to the river station located within the park, where you can take a boat ride on the Amur River. Especially memorable is taking a walk along the river at night, when Khabarovsk is illuminated by hundreds of colored lights. In the park there is also an observation deck that offers a spectacular view of the Amur.

The cultural center of the Far East

Source: RIA Novosti/Ruslan Krivobok

The oldest Orthodox Church in Khabarovsk is a Church of St. Innocentius of Irkutsk, erected in 1870 in honor of the patron saint of Siberia and the Far East. The impressive Holy Transfiguration Cathedral (its height with golden domes is 95 meters), built from the donations of inhabitants of the region, is the third largest temple in Russia after Moscow's Christ the Savior Cathedral and St. Isaac's Cathedral in St. Petersburg.

Several major theaters operate in Khabarovsk, which is often called the cultural center of the Far East. These include the Khabarovsk Regional Musical Theater performing classic operetta and musical comedy, and the Regional Drama Theatre featuring international and domestic classics. There is also the Triad professional mime theater, which offers unusual performances in interesting interiors.

Why you should climb the Khabarovsk cliff

Khabarovsk is hot and humid in the summer with temperatures reaching 30 C and cold and dry in the winter with the average temperature being -24 C. However, the temperatures often drop below -30, making Khabarovsk the coldest city with a population of 500,000 or more in the world. There are massive ice sculptures on Lenin Square from January until the spring thaw in April as part of the annual Amur Crystal and Ice Fantasy festivals. City Day, celebrated on the last Saturday of May, is a good reason to visit Khabarovsk at the beginning of summer.

No matter the season, if it is clear, then climb the Khabarovsk cliff (ul. Shevchenko 15), a true symbol of the city. A famous building was constructed here on a rocky promontory 70 years ago by an architect named Starikov. At first it was a station for military observation, later becoming a rescue station. After the building was transferred to Khabarovsk Central Park of Culture and Recreation, a viewing platform was added that now offers the best panoramic views of the Amur River. Take a selfie here with a view of the Amur River at the monument to Count Muravyov-Amursky.

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This week in credit card news: inflation causing 1 in 3 consumers to max out credit cards.

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1 in 3 Americans Maxing Out Credit Cards Because of Inflation

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Wells Fargo Autograph Journey Card review 2024: rewards, benefits, and more

The Wells Fargo Autograph Journey Card offers generous travel rewards for a reasonable annual fee, making it an excellent choice for frequent travelers who prioritize earning points on hotels, airlines, and dining expenses.

Marc Guberti

Marc Guberti is a Certified Personal Finance Counselor (CPFC) and Bankrate contributor. He also writes articles on finance and investing for US News & World Report, InvestorPlace, Benzinga, and other publications.

Hanna Horvath

Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Bankrate's senior editor of content partnerships.

Updated April 22, 2024, 1:00 PM EDT

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The new Wells Fargo Autograph Journey℠ Visa® Card is a great travel card with a reasonable annual fee. This card is best for frequent travelers thanks to its unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel, and 1X points on all other purchases.

In this review, we'll dive into the features, benefits, and potential drawbacks of the Wells Fargo Autograph Journey card, helping you determine if it's the right fit for your wallet.

Key takeaway

The Wells Fargo Autograph Journey Card offers great rewards on hotels, airlines, and dining expenses alongside travel protection benefits, making it a valuable tool for those who spend heavily in these categories and want to maximize their travel rewards.

Wells Fargo Autograph Journey℠ Visa® Card

5X points back on hotels and other great travel rewards
Generous welcome bonus
Annual statement credit for airfare purchases
No portal that restricts which travel purchases qualify for bonus points
No foreign transaction fees
Travel protection benefits
Rewards primarily focused on travel and dining categories
No introductory APR period
$95 annual fee

Key features

Unlimited 5x points on hotels, 4x points on airlines, 3x points on other travel and dining, 1x on other purchases
$50 annual airfare statement credit

Travel protection benefits

Benefits and rewards.

The Wells Fargo Autograph Journey Card comes with a generous welcome bonus of 60,000 reward points after spending $4,000 within the first three months. This bonus can be redeemed for travel, gift cards, or statement credits, giving you a head start on earning points.

One of the most attractive aspects of this card is its unlimited reward structure. Cardholders earn 5X points on hotel bookings, making it an excellent choice for those who frequently stay at hotels.

The card also offers 4X points on airline purchases, helping you accumulate points quickly when booking flights. For other travel expenses and dining, you'll earn 3X points, while all other purchases earn 1X points.

The Wells Fargo Autograph Journey card costs $95 per year, on par or lower than many other comparable travel credit cards.

You’ll also get a $50 annual statement credit for any airline booking (with a $50 minimum airline purchase), effectively reducing the annual fee to just $45. This credit can offset the cost of flights, making your travel even more affordable.

Redeeming rewards

The Wells Fargo Autograph Journey card is a flexible travel card, which means you can transfer points to hotel or airline partners.

Co-branded cards often offer 2X-5X points on travel and may restrict which airlines or hotel chains you can use points with. For example, an American Airlines credit card often requires you to board an American Airlines plane to get the maximum points back.

Unlike other travel cards, you don’t have to use Wells Fargo’s travel portal to earn bonus points when booking travel. For example, you can earn 5X points on travel purchases with the Chase Sapphire Preferred® Card , but you must make those purchases within the Chase Travel℠ portal to earn the bonus points.

The Wells Fargo Autograph Journey card doesn’t have this type of restriction. Also, unlike many other cards, there’s no cap on the rewards you can earn, says David Shipper, Strategic Advisor at Datos Insights.

This card offers trip cancellation, reimbursing you up to $15,000 for non-refundable expenses such as lodging, flights, and activities if your trip is canceled for a covered reason. This benefit provides peace of mind when booking travel, knowing you're protected against unforeseen circumstances.

The Autograph Journey card also offers other travel protections, such as trip delay reimbursement, lost luggage reimbursement, and auto rental collision damage waiver. These benefits can save you money and hassle in travel disruptions or mishaps.

Considerations and downsides

While the Wells Fargo Autograph Journey Card offers impressive rewards, there are a few potential downsides.

The card comes with an annual fee of $95, which may be a deterrent for some (especially when there are plenty of solid no annual fee cards on the market). But, the $50 annual statement credit for airfare effectively reduces the annual fee to $45, making it more manageable.

“The card comes with a $95 fee, which many consumers will not want to pay. However, that fee is in line with other travel-related credit cards (if not a bit lower) and will more than offset by the card's many bonus features,” Shipper says.

Another drawback is that the card's rewards are focused primarily on travel and dining. If you don't spend heavily in these categories, you may be unable to maximize the card's rewards.

Additionally, the redemption options for reward points may be limited compared to other travel cards . While Wells Fargo does have a list of travel partners you can transfer points to at a 1:1 rate, the network is not as diverse or large as other competitors.

This card also doesn’t have a 0% introductory APR offer, making it not the best choice for those who may carry a balance.

Who is the Wells Fargo Autograph Journey card best for?

The Wells Fargo Autograph Journey Card is an excellent choice for frequent travelers who spend heavily on hotels, airlines, and dining. The lack of limits on your bonus points makes this card especially worthwhile.

But if you spend regularly outside of these categories, this may not be the best card for you.

You’ll get 1X points back on non-travel and non-dining purchases, but that’s the minimum across the industry. You’re better off using another card for groceries, electronics, gas, and everyday purchases.

Alternatives

The Wells Fargo Autograph Journey card offers many perks for people who like to travel often. However, you should compare credit cards before choosing the right travel card for your finances. Here are some alternatives.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred card also offers 60,000 bonus points if you spend $4,000 on purchases within the first three months of opening your account.

The card offers 5X points on travel purchased through Chase’s Travel portal, 2X on other travel purchases, 3X on dining and grocery purchases (excluding Walmart, Target, and wholesale clubs), 3X points on select streaming services, and 1X on all other purchases.

The Sapphire Preferred card has a greater range of spending categories that exceed 1X points back. You’ll also get 25% more value when you redeem your points through the Chase Travel℠ portal. For example, 60,000 points can be valued at up to $750 for qualifying travel expenses. The card has a $95 annual fee.

Capital One Venture Rewards Card

The Capital One Venture Rewards card offers a straightforward unlimited 2X miles for every dollar you spend. You’ll also earn 5X miles on hotels and rental cars booked through Capital One Travel, all for a $95 annual fee.

The new cardholder offer is 75,000 bonus miles if you spend $4,000 on purchases within the first three months of opening your card. The card comes with travel accident insurance.

The ability to earn unlimited 2X miles on every purchase is a good perk for non-travel spending categories. However, you must use Capital One Travel to book your flights and hotels to receive the maximum bonus points.

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph card is a good starter card for those who want to earn travel rewards but don’t want to pay an annual fee.

You can receive unlimited 3X points at restaurants, travel, gas and electric vehicle charging stations, transit, popular streaming services, and phone plans. All other purchases are eligible for 1X points. You can redeem points for travel, gift cards, and cash.

The card doesn’t have as many travel benefits but has some notable perks. You’ll get up to $600 of cell phone protection against theft or damage, 24/7 roadside dispatch, and an auto rental collision damage waiver.

You can earn 20,000 bonus points if you spend $1,000 within the first three months of opening your account, which is worth up to $200 in cash back.

Citi Premier® Card

The Citi Premier card has a 60,000 bonus point welcome offer if you spend $4,000 after the first three months of opening your account. This card has a $95 annual fee. You can earn a $100 annual hotel credit if you spend $500 or more, helping you offset the annual cost.

The card offers 3X points back on restaurants, supermarkets, gas stations, air travel, and hotels. You will receive 1X points back on all other purchases. Points do not expire, and there is no limit to how many bonus points you can earn.

For a limited time, you can earn up to 10X points on hotels, car rentals, and attractions (excluding flights) booked through Citi’s travel portal. This promotional offer lasts until June 30, 2024.

Bank of America® Travel Rewards credit card

The Bank of America Travel Rewards card is a straightforward card with no annual or foreign transaction fees. You’ll earn a flat 1.5X points on every purchase. You can also receive 25,000 bonus points if you spend $1,000 within the first 90 days of opening your account.

Unlike the Wells Fargo Autograph Journey card, this card has a 0% introductory APR offer. You’ll get 0% APR for the first 15 billing cycles for purchase. The intro balance transfer fee is 3% for the first 60 days, and this balance transfer fee goes up to 4% after the initial promotion.

Bank of America Preferred Rewards members can earn 25%-75% additional points on every purchase. Your membership level depends on your two-month combined average daily balance across your Bank of America bank accounts.

Outside of that, the card doesn’t have as many perks. It’s good for beginners who want to get started earning travel rewards. However, you may earn more rewards and access additional benefits if you use a card with an annual fee.

The bottom line

The Wells Fargo Autograph Journey card is a great, flexible choice for travelers with a moderate annual fee. The card also has a generous welcome bonus similar to what you will find with other travel cards.

But it’s important to consider your spending habits and travel preferences when deciding if this card is right for you. If travel and dining aren’t your primary spending categories, you may find more value in alternative cards with different rewards. Its rewards, benefits, and travel protections make this card a solid choice for travelers.

Editorial disclosure: Opinions expressed are author's alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.

Best credit cards for airport lounge access in April 2024

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.

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

Stepping into an airport lounge from the chaotic main terminal can feel like stepping onto dry land from a whitewater raft. It evokes a feeling of peace, tranquility and “phew – we made it.”

As a result, airport lounge access is one of the most enviable perks you can get with a travel rewards credit card. But which cards still offer it in 2024, and from that list, which are still worth getting?

The best cards for airport lounge access in April 2024

Best overall: capital one venture x rewards credit card, best for extensive lounge access: the platinum card® from american express, best for affordable lounge access: u.s. bank altitude® connect visa signature® card, best for delta: delta skymiles® reserve american express card, best for united: united club℠ infinite card, best for american airlines: citi® / aadvantage® executive world elite mastercard®.

The Capital One Venture X Rewards Credit Card offers unlimited complimentary access for you and two guests to a wide lounge network comprising Capital One Lounges, Priority Pass and Plaza Premium Group. Plus, its $395 annual fee is easy to recoup on account of the $300 back annually for bookings made through Capital One Travel plus 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.

Capital One Venture X Rewards Credit Card

Intro bonus.

Rewards Rates

10X 10x miles on hotels and rental cars booked through Capital One Travel
5X 5x miles on flights booked through Capital One Travel
2X 2x miles on everyday purchases
Annual $300 travel credit and 10,000 Miles upon card anniversary make up for the annual fee
Airport lounge access
Capital One Miles require effort to maximize
Limited cash redemption options

Other benefits

Travel protections including car rental insurance, trip cancellation/interruption and travel delay protection
Consumer protections including extended warranty and return protection

Why we like this card: We like how the Capital One Venture X comes with a hefty 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening, unlimited complimentary access for you and two guests to 1,300+ airport lounges, including Capital One Lounges and our Partner Lounge Network, and 10x miles on hotels and rental cars booked through Capital One Travel.

The $395 annual fee may seem steep, but it’s actually a relative bargain among premium travel cards offering unlimited lounge access. Plus, you’ll earn $300 back annually for bookings made through Capital One Travel plus 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary–a combined $400 in travel value–which instantly covers your fee for the year.

The cherry on top is up to $100 credit for Global Entry or TSA PreCheck®, so you can scoot through security and get to the lounge a little faster. And the Capital One Lounge network is small, but mighty, with game-changing features such as extensive to-go options. All things considered, the Capital One Venture X Rewards Credit Card is the airport lounge card to beat.

The Platinum Card® from American Express claims to have the widest lounge access of any card on the market, with access to well over 1,500 lounge locations in over 140 countries. Combine that with a list of travel-centric benefits longer than a CVS receipt, and it’s an easy pick for this list.

The Platinum Card® from American Express

See Rates and Fees

Reward Rates

5X Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (up to $500,000 on these purchases per calendar year)
5X Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel
1X Earn 1x points on all other eligible purchases
Packed with valuable potential credits for digital entertainment, Equinox gym, Walmart+ membership, and more.
Airport lounge access with a larger network than any other card
Membership Rewards are valuable due to their flexibility.
The multiple potential credits can be cumbersome to track.
Sky-high annual fee
Some of the perks can be hard to use if they don’t align with your lifestyle.
Travel benefits including hotel and car rental chain statuses, car rental insurance, trip cancellation/interruption and travel delay protection

Why we like this card: Like a fully-loaded Mercedes S-Class, The Platinum Card® from American Express comes with an eye-watering price tag but an expansive list of benefits to justify it.

Naturally, one of those benefits is airport lounge access. You’ll have access to Amex’s Global Lounge Collection, which includes the Centurion Network, Delta Sky Club, Lufthansa Lounge, Plaza Premium Lounge and Priority Pass Select. That’s 1,500+ lounges in total, meaning an Amex Platinum is the closest we have to an airport lounge master key.

You’ll also get up to $189 back per year on a CLEAR® Plus membership (subject to auto-renewal) when you use your Platinum Card®, up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your card, up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal (enrollment required), up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card® (minimum 2-night stay required) and a welcome bonus of at least 80,000 Membership Rewards® Points after spending $8,000 on purchases on the Card in your first 6 months of card membership, so there are plenty of ways to extract value from your “Plat” outside of an airport lounge.

To view rates and fees of the The Platinum Card® from American Express , see this page

Amex Centurion Lounge Atlanta review Best travel credit cards

The U.S. Bank Altitude® Connect VISA Signature® Card card includes four free visits to over 1,500 Priority Pass locations worldwide, a $100 TSA PreCheck/Global Entry credit and a $500 welcome bonus–all for a modest annual fee of $95, which is waived for the first year.

U.S. Bank Altitude Connect

5x 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
4x 4X points on travel, at gas stations and EV charging stations
2x 2X points at grocery stores, grocery delivery, dining and streaming services
1x 1X on all other purchases
High earnings on travel
No annual fee the first year
4 Priority Pass lounge visits per year
Points not transferable to travel partners
Additional perks: Cell phone protection, Trip cancellation/interruption, TSA/Global Entry fee rebate
Foreign transaction fee: None

Why we like this card: As an affordable travel rewards card, U.S. Bank’s Altitude Connect card is a worthy rival to the reigning Chase Sapphire Preferred ® Card . Unlike the “CSP,” the U.S. Bank Altitude® Connect VISA Signature® Card includes complimentary Priority Pass Select membership with four airport lounge passes, a $100 credit towards TSA PreCheck or Global Entry and up to 4X on travel purchases.

The card also waives its $95 annual fee for the first year and offers a hefty welcome bonus of 50,000 bonus points after spending $2,000 in the first 120 days worth $500 towards travel and more. In short, it’s positively packed with value for travelers, and if you’re not sure whether you’ll even visit a lounge more than four times this year, it’s a logical choice.

The Delta SkyMiles® Reserve American Express Card offers Delta fans a truly elevated experience, with 15 visits to the Delta Sky Club per year, four guest passes, free checked bags, an Annual Companion Certificate, upgrade priority and more. It doesn’t include automatic Medallion status, but offers plenty of ways to to get there faster (e.g. MQD Headstart).

Delta SkyMiles® Reserve American Express Card

Intro bonus.

3x Earn 3X Miles on Delta purchases
1x Earn 1X Mile on all other eligible purchases.
Premium benefits for Delta flyers, like first checked bag free and access to the Delta Sky Club
Companion certificate good for a round trip domestic Main Cabin, Comfort+ or First Class flight each year upon renewal of your card
Access to Centurion Lounge network
High annual fee
Access to Delta Sky Club limited to 15 passes a year after February 2025
Base earnings rate is low compared to other cards
15% discount on Delta award flights
Travel protections including accident insurance, rental car coverage, trip cancellation and delay insurance
Consumer protections including cell phone insurance, extended warranty, purchase and return protection

Why we like this card: Though it charges a heart-stopping $650 annual fee, the Delta SkyMiles® Reserve American Express Card does include a 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership to help cover your first two years with the card. You’ll also 3X Miles on Delta purchases, up to 15% off award travel on Delta when booked on Delta.com, a free first checked bag, up to $240 Resy Credit, up to $200 Delta Stays statement credit and more to make the card’s high fee more palatable.

In terms of lounge access, the Delta SkyMiles® Reserve American Express Card includes 15 visits to the Delta Sky Club per year. That’s objectively pretty stingy considering there are cheaper cards on the market offering unlimited access to a larger network for both you and multiple guests. Still, if you’re a solo Delta traveler, 15 visits to the Delta Sky Club per year may be all you need.

The United Club℠ Infinite Card may charge $525 per year, but it covers a United Club membership–which alone retails for $650–and includes a litany of other travel-friendly benefits like Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services, 4 miles per $1 spent on United® purchases and 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

United Club℠ Infinite Card

4x 4 miles per $1 spent on United® purchases
2x 2 miles per $1 spent on all other travel and dining
1x 1 mile per $1 spent on all other purchases
United Club lounge membership
Valuable welcome bonus
Path to earn elite airline status by card spend
Mostly useful if you want lounge access
Additional perks: Primary rental car coverage, trip cancellation/interruption insurance, trip delay reimbursement, baggage delay insurance, lost luggage reimbursement

Why we like this card: If you and your travel companion frequently fly United, check multiple bags each and relish the thought of decompressing in the United Club lounge, the United Club℠ Infinite Card might deserve a place in your wallet.

That’s because the card’s marquis feature is a $650 United Club membership, granting unlimited access for you and your travel companions. You’ll also get Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services, 4 miles per $1 spent on United® purchases, 25% back on food/beverage/Wi-Fi purchases and 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

Once the welcome bonus dries up it can be hard to continue justifying the United Club℠ Infinite Card‘s $525 annual fee–especially since you can only take advantage of the card’s best benefits while traveling with United. The lack of Polaris Lounge access is a bummer, too. But if you’re a hardcore brand loyalist who doesn’t travel light, the United Club℠ Infinite Card could still be a worthy travel companion.

With complimentary Admirals Club membership (valued up to $850), up to nine free checked bags per trip and an “enhanced airport experience,” the Citi® / AAdvantage® Executive World Elite Mastercard® rolls out the figurative red carpet for AA frequent flyers.

Citi® / AAdvantage® Executive World Elite Mastercard®

10x Earn 10X AAdvantage miles on eligible hotels booked through aa.com/hotels and on eligible car rentals booked through aa.com/cars.
4x 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases (5X after you spend $15,000 on airfare)
1x 1x AAdvantage miles on all other purchases
Earns AAdvantage miles, which are not easily accessible outside of co-branded AAdvantage credit cards.
Every dollar spent earns one Loyalty Point toward elite status.
Includes Admirals Club lounge membership, valued at up to $850.
High spending requirement for earning the 70,000-mile welcome bonus
No category bonuses outside of American Airlines spending.
Travel perks: AAdvantage club membership, checked bag benefit, trip cancellation and interruption protection
Credits: Up to $120 annual credit to Avis or Budget rental cars, Up to $10 monthly credits to Lyft and Grubhub

Why we like this card: If you’re ready to pledge fealty to American Airlines via a $595 rewards card, you’ll be receiving plenty of perks and value in return from the Citi® / AAdvantage® Executive World Elite Mastercard®. For starters, you’ll get a complimentary Admirals Club membership and free first checked bags for you and up to eight travel companions–saving up to $720 per round trip.

You’ll also get 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening, 25% savings on inflight purchases of food and beverages on flights and 10X AAdvantage® miles on hotels booked through aa.com/hotels. But perhaps most intriguingly, the card unlocks an “enhanced airport experience” with priority check-in, screening and boarding when flying with AA.

Just keep in mind that Admirals Club membership only includes access to 50ish Admirals Clubs and 60ish partner lounge locations total, so you may want to confirm that there’s one in your home airport before committing.

Frequently asked questions

Which card is best for airport lounge access.

The Platinum Card® from American Express has the most expansive lounge access, with unlimited visits to locations within the Centurion Network, Delta Sky Club, Lufthansa Lounge, Plaza Premium Lounge and Priority Pass Select.

However, we think the Capital One Venture X Rewards Credit Card offers better value, with access to Capital One Lounges, Priority Pass and Plaza Premium Group locations for a $395 annual fee ($300 less than the Platinum). If you are looking for a lower price tag, check out our article about the best cards for cheap airport lounge access .

Are lounge access cards worth it?

A rewards card with airport lounge access could be worth it if you fly several times a year, value having a secluded place to work, and relax and plan to take advantage of the card’s other benefits.

Some say that the most underrated perk of airport lounges is having access to a dedicated airline representative inside. That way, you can skip the long customer service line outside if something goes wrong with your travel plans.

How do I know if my credit card has lounge access?

Check your card benefits, which can usually be found online following a quick search. While you’re there, check to see if any of the included lounge networks require you to register your membership in advance–that way, you can save time and hassle at the airport.

Methodology

Fortune Recommends surveyed all the cards still offering airport lounge access in 2024 and handpicked the very best. In evaluating cards that offer airport lounge access, we compared the annual fees to the amount of lounge access provided. From the card granting access to the most locations worldwide to another charging a mere $95 annual fee ($0 for the first year), we found the best credit cards for airport lounge access in 2024.

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.

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.

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 airline credit cards

12 best credit cards for airline miles in april 2024, flying high or wandering far: airline credit cards vs. travel credit cards, fly higher: 8 ways to get free flight upgrades, 5 ways savvy travelers score a free first-class seat upgrade—and why you should give it a try, how to get delta sky priority status (and why you should want it), 4 tips to being in one of the first american airlines boarding groups, the southwest companion pass can save you thousands—here's what you need to know, 6 ways to board sooner with the new united airlines boarding process, best credit cards for flying delta air lines in april 2024, best american airlines credit cards of april 2024, best southwest airlines credit cards of april 2024, delta amex credit cards are changing: better companion benefits, higher annual fees and more. here's what you need to know, delta skymiles® platinum american express card review: a mid-tier card with a valuable companion certificate, how to beat southwest’s first-come-first-served boarding process, southwest rapid rewards priority credit card: enjoy a $75 annual southwest credit, southwest premier card review: solid card for southwest loyalists, southwest rapid rewards plus review: entry level card for occasional southwest travelers, citi aadvantage platinum card review: if goldilocks could choose a card for aa rewards, this one would be just right, citi® / aadvantage® executive world elite mastercard® review: luxury travel perks at a steep price, jetblue plus card review: valuable benefits with a modest annual fee, united explorer card: packed with perks that outweigh the annual fee, last day welcome offer for chase southwest cards includes companion pass for a year, capital one venture, venture x and spark cards double down on vacation rentals, the beginner's guide to frequent flyer programs: how to earn, redeem and maximize airline miles, best united airlines credit cards of april 2024, how to use delta companion certificates to save hundreds of dollars on your next flight with your plus-one, 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, best no annual fee travel credit cards of april 2024, 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, fortune recommends beginner's guide to travel rewards: how to travel with credit card points and miles.

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1 Earn a total of 10 ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel℠ portal on cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 11:59 PM 06/30/2024. You earn 3 ThankYou ® Points per $1 spent on the Citi Travel portal bookings. You will earn an additional 7 bonus ThankYou ® Points ...
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Travel Benefits. Citi® Concierge Citi® Concierge experts are ready 24/7 to assist you with your travel, shopping, dining, entertainment, and everyday needs. Contact us at [email protected] or. 1-800-508-8930 (TTY: We accept 711 or other Relay Service). Travel Notice Citi is by your side when you travel.
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Special offer: earn a total of 10 ThankYou ® Points per $1 spent on hotels, car rentals and attractions booked on the Citi Travel SM portal through June 30, 2024. 2. Earn 3 timesX points on restaurants, supermarkets, gas stations, air travel, and hotels. Earn 1 timesX points on all other purchases.
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Multi Currency Debit MasterCard® offers 9 different foreign currencies and overseas withdrawals at no foreign exchange conversion fee. With debit MasterCard® you can also save the hassle of searching for the right exchange rate and have currencies auto-purchased with Citi eFX. Know more about benefits of foreign currency debit card here!
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Why we like this card: We like how the Capital One Venture X comes with a hefty 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening, unlimited ...

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

The best travel credit cards with no foreign transaction fees

The best travel debit cards with no foreign transaction fees

Essential tips for using debit and credit cards while travelling

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

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

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

5. Consider a credit card with included insurance

6. Keep backup cards in your hotel room

7. Bring $100 USD as backup cash

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