Best Credit Cards for International Travel

Traveling internationally has never been more exciting—or more complicated. With fluctuating exchange rates, geopolitical tensions, and the rising cost of airfare, having the right credit card can make all the difference. Whether you're a frequent flyer or an occasional globetrotter, the best travel credit cards offer perks like no foreign transaction fees, airport lounge access, and generous rewards programs.

Here’s a breakdown of the top credit cards for international travel in 2024, along with tips on how to maximize their benefits.

Why You Need a Travel-Friendly Credit Card

Avoid Foreign Transaction Fees

Many standard credit cards charge a 3% fee on purchases made outside your home country. Over the course of a trip, these fees can add up quickly. The best travel credit cards waive these fees, saving you hundreds of dollars.

Earn Rewards on Every Purchase

From airfare to dining abroad, the right card can turn everyday spending into free flights, hotel stays, or cashback. Some cards even offer bonus points for travel-related expenses.

Access Premium Travel Perks

Lounge access, travel insurance, and concierge services can transform your travel experience. High-end cards often include these benefits at no extra cost.

Top Credit Cards for International Travel

1. Chase Sapphire Preferred® Card

Key Features:

• No foreign transaction fees
• 2X points on travel and dining worldwide
• 60,000 bonus points after spending $4,000 in the first 3 months
• 1:1 point transfer to major airline and hotel partners

Why It’s Great:

The Chase Sapphire Preferred is a fantastic mid-tier card for travelers who want flexibility. Points can be redeemed through Chase Ultimate Rewards or transferred to partners like United and Hyatt.

2. Capital One Venture X Rewards Credit Card

Key Features:

• No foreign transaction fees
• 10X miles on hotels and rental cars booked via Capital One Travel
• 5X miles on flights booked via Capital One Travel
• $300 annual travel credit and airport lounge access

Why It’s Great:

This premium card offers luxury perks at a reasonable annual fee. The travel credit and lounge access alone can offset the cost, making it ideal for frequent travelers.

3. American Express Platinum Card®

Key Features:

• No foreign transaction fees
• 5X points on flights booked directly with airlines or Amex Travel
• Access to 1,400+ airport lounges worldwide
• Annual travel credits (up to $200 airline fee credit, $200 Uber Cash, etc.)

Why It’s Great:

If you prioritize comfort and convenience, the Amex Platinum is unmatched. The extensive lounge network and premium travel protections make long layovers far more enjoyable.

4. Bank of America® Travel Rewards Credit Card

Key Features:

• No foreign transaction fees
• 1.5X points on all purchases
• No annual fee
• Flexible redemption options

Why It’s Great:

For those who want a simple, no-fuss travel card, this is a solid choice. It’s especially good for Bank of America customers who qualify for Preferred Rewards bonuses.

How to Choose the Right Card

Consider Your Travel Habits

• Frequent Flyers: Premium cards like the Amex Platinum or Capital One Venture X offer the best value.
• Budget Travelers: No-annual-fee cards like the Bank of America Travel Rewards are ideal.
• Flexible Points Users: Chase Sapphire Preferred allows point transfers to multiple partners.

Check for Hidden Fees

Some cards may have high annual fees but offer credits that offset the cost. Always calculate whether the benefits justify the fee.

Look for Travel Protections

Cards with trip cancellation insurance, lost baggage coverage, and rental car insurance provide peace of mind.

Maximizing Your Travel Rewards

Use the Card for All Travel Purchases

From flights to hotels and even public transit, charging everything to your travel card maximizes rewards.

Take Advantage of Sign-Up Bonuses

Many cards offer lucrative sign-up bonuses that can cover a free flight or hotel stay.

Combine with Other Loyalty Programs

Pairing your credit card rewards with airline or hotel loyalty programs can amplify benefits.

Final Thoughts

The best credit card for international travel depends on your spending habits and travel goals. Whether you want luxury perks, flexible rewards, or a simple no-fee option, there’s a card that fits your needs. By choosing wisely, you can turn every trip into a more rewarding experience.