- Some of the best credit cards for international travel are the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, The Platinum Card® from American Express, and the Capital One Venture Rewards Credit Card.
- The best credit cards for traveling internationally offer generous rewards and travel perks.
- Welcome bonuses can add significant value to the base-level benefits.
- These travel cards have annual fees ranging from $0 to $695.
- When choosing a credit card for overseas travel, consider the fees, global acceptance rate, rewards redemption options and earning potential.
When you buy something using links found on our site, we may earn a small affiliate commission. This content is reviewed & supervised by The Los Angeles Times Commerce Team.
On This Page
- Key takeaways
- Our top picks for the best credit cards for international travel
- Best credit cards for international travel compared
- Best credit cards for international travel: Editorial reviews
- Who should get a credit card for international travel?
- Is a credit card or debit card better for international travel?
- How to choose the best credit card for international travel
- Should I have more than one card for international travel?
- Tips for using a credit card when traveling internationally
- Alternatives to credit cards for overseas travel
- FAQ: Best credit cards for international travel
On This Page
- Key takeaways
- Our top picks for the best credit cards for international travel
- Best credit cards for international travel compared
- Best credit cards for international travel: Editorial reviews
- Who should get a credit card for international travel?
- Is a credit card or debit card better for international travel?
- How to choose the best credit card for international travel
- Should I have more than one card for international travel?
- Tips for using a credit card when traveling internationally
- Alternatives to credit cards for overseas travel
- FAQ: Best credit cards for international travel
Best Credit Cards for International Travel of 2024
Elizabeth Smith - Personal Finance
+ 1 other
Reviewed By
Blake Esken - Los Angeles Times
If you’re a traveler, you make purchases constantly. Credit cards for international travel can help you get the most value from these purchases, as they provide rewards that make future trips more affordable.
Many also offer perks, such as TSA PreCheck credits and lounge access, so every trip feels more luxurious. With so many options — and varying annual fees — it can be hard to figure out which one is the right fit.
To help you choose, this guide covers:
- The best credit cards for international travelers
- How to choose the right overseas travel credit card
- Making the most of a travel card
Let’s take a look at the best credit cards for international travel.
Our top picks for the best credit cards for international travel
- Chase Sapphire Preferred® Card: Best for flexible travel perks and a reasonable annual fee
- Chase Sapphire Reserve® : Best for flexible rewards and luxury perks
- The Platinum Card® from American Express: Best for luxury international travel perks
- American Express® Gold Card: Best for travelers who love dining out
- Capital One Venture Rewards Credit Card: Best for simple travel rewards and a low fee
- Capital One Venture X Rewards Credit Card: Best for simple rewards & premium travel perks
- Capital One SavorOne Cash Rewards Credit Card: Best for cash back on travel & dining
- Capital One SavorOne Student Cash Rewards Credit Card: Best for college students traveling abroad
Our top picks for the best credit cards for international travel
Advertiser Disclosure
Best for flexible travel perks and a reasonable annual fee
Chase Sapphire Preferred® Card
Up to 5X Reward Rate
Earn 5X points on Chase Travel℠ purchases, 3X points on dining, online grocery purchases, and select streaming services, and 1X points on other purchases.
Annual Fee
$95
Welcome Offer
60,000 points
Regular APR
21.49% to 28.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Chase Sapphire Preferred card is an excellent option for those who frequently travel internationally, as it offers a range of benefits at a low annual fee. It doesn’t charge foreign transaction fees, so it can be a reliable companion abroad, sparing you from incurring unnecessary charges every time you swipe. Additionally, the Sapphire Preferred offers robust travel insurance coverage, ensuring peace of mind for travelers going overseas. Plus, this card is part of the Chase Ultimate Rewards program, so points are easy to earn and redeem. If you choose to redeem your points for travel through the Chase Travel platform, they’re worth 25% more. Although it’s not as loaded with perks as some travel credit cards, the Sapphire Preferred only charges a $95 annual fee and is still packed with valuable benefits.
Best for flexible rewards and luxury perks
Chase Sapphire Reserve®
Up to 10X Reward Rate
Earn 10X points on hotels and car rentals booked through Chase Travel℠, 10X points on Chase Dining purchases, 5X points on flights booked through Chase Travel, 3X points on non-Chase travel and dining, and 1X points on all non-bonus spending.
Annual Fee
$550
Welcome Offer
60,000 points
Regular APR
22.49% to 29.49% variable
Recommended Credit
Excellent (740 - 850)
Why we like it
The Chase Sapphire Reserve offers a suite of exceptional benefits, making it an ideal card for traveling internationally. It has no foreign transaction fees, so you won’t incur additional expenses on your potentially already expensive purchases. It also earns stellar rewards on dining and travel purchases, so you can rack up points while enjoying a gourmet meal in Paris or booking your flight to New Zealand. Those points you earn can even be redeemed for 50% more value when booking travel through the Chase Travel portal. Plus, the Sapphire Reserve comes with a $300 annual travel credit, a perk that can easily offset a majority of its annual fee. If you’re looking for a premium card with high-end perks and flexible rewards, Chase Sapphire Reserve may be it.
Best for luxury international travel perks
The Platinum Card® from American Express
Up to 5X Reward Rate
Earn 5X Membership Rewards® points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year), 5X points on prepaid hotels booked with American Express Travel, and 1X points on other eligible purchases.
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Annual Fee
$695
Welcome Offer
80,000 points
Regular APR
See Pay Over Time APR
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Platinum Card is chock-full of high-value benefits like statement credits, hotel elite status, and airport lounge access to help make the luxury traveler’s experience even more luxurious.
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Card Details
More card info
- $200 Hotel Credit: Get 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®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get 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.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
- $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- Terms Apply.
Pros
- Excellent rewards rate for travel purchases
- Qualify for $1,500+ in statement credits
- Very generous welcome offer
Cons
- High annual fee of $695
- Many statement credit offers are too specific and hard to use
- Non-travel-perks aren’t spectacular
Bottom Line
The Amex Platinum card can be well worth the steep annual fee if cardholders can dedicate themselves to utilizing its benefits.
Best for travelers who love dining out
American Express® Gold Card
Up to 4X Reward Rate
Earn 4X points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X) and restaurants (plus takeout and delivery in the U.S.), 3X points on flights booked directly with airlines or on amextravel.com, and 1X points on other eligible purchases.
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Annual Fee
$250
Welcome Offer
60,000 points
Regular APR
See Pay Over Time APR
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The fantastic dining and travel rewards on the American Express Gold Card have the potential to be very valuable to the “traveling foodie.”
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Card Details
More card info
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Terms Apply.
Pros
- Generous welcome offer
- High rewards potential
- Many transfer partners available
Cons
- High annual fee
- Complicated statement credits
- Good or excellent credit recommended
Bottom Line
For self-proclaimed foodies, this card has great reward potential. But if you can’t maximize the statement credits, it may not provide enough value to make the annual fee worth it.
Best for simple travel rewards and a low fee
Capital One Venture Rewards Credit Card
Up to 5X Reward Rate
Earn 5X miles per dollar on hotel stays or rental cars booked through Capital One’s portal and 2X miles on all other purchases.
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Annual Fee
$95
Welcome Offer
75,000 miles
Regular APR
19.99% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The simple reward-earning structure of the Venture Rewards Card makes it easy to earn miles on every purchase you make without having to track multiple bonus categories or worry about spending caps.
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Card Details
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
Pros
- Travel insurance protections incuded
- Earn flexible rewards for travel
- Reasonable $95 annual fee
Cons
- Requires good or excellent credit
- No everyday spending bonus categories
- High APR
Bottom Line
For the casual traveler, the simple reward structure and low annual fee of the Venture Card make it a good low commitment option.
Best for simple rewards & premium travel perks
Capital One Venture X Rewards Credit Card
Up to 10X Reward Rate
Earn 10X miles on hotel and rental car purchases made through Capital One Travel, 5X miles on airfare purchased through the portal, and 2X miles per dollar spent on all other purchases.
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Annual Fee
$395
Welcome Offer
75,000 miles
Regular APR
19.99% to 29.99% variable
Recommended Credit
Excellent (740 - 850)
Why we like it
The $300 annual travel credit of the Venture X essentially makes it the same yearly cost as the regular Venture card. Then if you factor in its additional benefits, it’s easy to see why this is one of our favorites.
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Card Details
More card info
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
Pros
- Miles can be redeemed for travel purchases, transfers to international airlines, and more
- Can qualify for hundreds of dollars in credits each year
- Huge welcome offer
Cons
- $395 annual fee
- Large spending requirement to earn the welcome bonus
- Excellent credit required
Bottom Line
The high earning potential and annual travel credit make this a standout option for frequent travelers.
Best for cash back on travel & dining
Capital One SavorOne Cash Rewards Credit Card
Up to 10% Reward Rate
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases. Earn 5% back on hotels and rental cars booked through Capital One Travel. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.
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Annual Fee
$0
Welcome Offer
$200
Regular APR
19.99% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The SavorOne’s elevated earning rate on eligible travel purchases, lack of foreign transaction fees, and $0 annual fee make it a solid option for international travel and everyday life.
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Card Details
More card info
- 0% intro APR on purchases and balance transfers for 15 months (then 19.99% - 29.99% variable APR).
- Balance transfer fee of 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- No foreign transaction fees
Pros
- No rotating categories that you need to sign up for
- No spending cap
- No annual fee
Cons
- High APR
- Good or excellent credit recommended
- Low sign-up bonus
Bottom Line
It’s not as loaded with travel benefits as some, but this card is a decent option for rewards on everyday purchases and travel.
Best for college students traveling abroad
Capital One SavorOne Student Cash Rewards Credit Card
Up to 10% Reward Rate
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases. Earn 5% back on hotels and rental cars booked through Capital One Travel. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.
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Annual Fee
$0
Welcome Offer
$50
Regular APR
19.99% to 29.99% variable
Recommended Credit
Limited, Fair/Good (580 - 740)
Why we like it
With no foreign transaction fees, an elevated reward rate on travel purchases, and no annual fee, the SavorOne Student Card is an exceptional option for students traveling internationally.
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Card Details
More card info
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- No foreign transaction fees or hidden fees
- Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
- Build your credit with responsible card use
- Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
Pros
- Good cash back rewards & welcome bonus
- No annual fee
- No foreign transaction fees
Cons
- Highest cash back requires booking through Capital One
- Possible high APR depending on credit worthiness
Bottom Line
One of the best student cards out there, the SavorOne Student card allows students to rack up rewards on everyday purchases and travel.
Best credit cards for international travel compared
Card name
Best for
Annual fee
Rewards rate
Learn more
Best for flexible travel perks and a reasonable annual fee
$95
1X-5X points
Best for flexible rewards and luxury perks
$550
1X-10X points
Best for luxury international travel perks
$695
1X-5X points
Best for travelers who love dining out
$250
1X-4X points
Best for simple travel rewards and a low fee
$95
2X-5X miles
Best for simple rewards & premium travel perks
$395
2X-10X miles
Best for cash back on travel & dining
$0
1%-10% cash back
Best for college students traveling abroad
$0
1%-10% cash back
Advertiser Disclosure
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Who should get a credit card for international travel?
For anyone who travels internationally — even if it’s not on a regular basis — a travel credit card is worthwhile. As long as the card earns rewards, all your everyday and travel purchases can rack up points, miles or cash back that you can use to defray the cost of future trips. Add in benefits such as free lounge access and travel credits, and you can enjoy a more comfortable journey.
Pros and cons of credit cards for international travel
Pros
- High reward-earning potential on travel worldwide
- Many cards have valuable welcome offers
- Some cards have international airport lounge access
- No foreign transaction fees on most travel cards
Cons
- High annual fees on many premium cards
- Some cards (namely American Express) have a lower international acceptance rate
- Limited rewards redemption options on some cards
Is a credit card or debit card better for international travel?
In most cases, a credit card is better than a debit card for international travel — assuming that your credit card doesn’t charge international fees, that is.
Credit cards come with fraud protection, which means you’re not liable if your account numbers are stolen or used without authorization when you’re abroad. Plus, everything you spend on the trip will earn rewards.
How to choose the best credit card for international travel
The best credit card for overseas travel is a personal decision; it depends on your travel habits, preferences and financial situation. For every card you evaluate, consider the following factors.
International acceptance
In general, Visa cards and Mastercard have the widest acceptance rates across the world — you shouldn’t have any trouble using them in most international locations. Discover cards and American Express cards are not as widely accepted.
Foreign transaction fee
Foreign transaction fees are one of the biggest considerations when choosing the best credit card for foreign travel. A card that doesn’t charge you to make purchases overseas can save you a great deal of money.
Annual fee
The majority of travel credit cards come with an annual fee. If you’re a regular traveler, the perks that come with that fee usually make it easy to recoup the cost. If you go overseas occasionally, consider a card with a $0 annual fee — that way, you can still earn rewards, but you won’t lose money on unused benefits.
Welcome bonus
A great welcome bonus can add significant value to a credit card, for example, the Capital One Venture X Rewards card, which comes with a bonus of 75,000 miles. If you use those miles in the Capital One portal, it equals about $750 — nearly double the annual fee.
Rewards
The rewards program is a key element of a travel credit card; earn enough points or miles, and you can get flights and hotel rooms for free.
To maximize earnings, make sure to choose a rewards credit card with bonus categories that match your spending habits. If you’re overseas regularly, for example, you might look for a credit card that has high multiples for flights and hotels.
Consider the redemption value too. Many cards transfer points or miles at a 1:1 ratio but offer a higher ratio for travel booked in the bank’s portal.
Travel benefits
The benefits are half the fun of a travel credit card. Look for cards with perks such as:
- Free airport lounge access
- Credits toward NEXUS, TSA PreCheck or Global Entry
- Travel credits
- Credits for hotels or rideshares
- Premium status with rental car companies
Travel protections
Most credit cards for international travel include some type of insurance, including:
- Baggage insurance
- Rental car insurance
- Trip delay insurance
Should I have more than one card for international travel?
Every travel credit card is different, which means that you probably won’t get everything you need in a single card. One might have a better rewards earning rate, while another offers better lounge access or travel credits.
If you travel internationally regularly, you can maximize the benefits by getting more than one credit card. Watch the annual fees, and run calculations to ensure that the perks outweigh the costs.
Tips for using a credit card when traveling internationally
Once you choose a credit card for international travel, use these tips to stay safe and save money.
Notify your card issuer that you’re traveling
Before you travel, call the bank to let it know you’re going overseas; you can also create a travel notification in your online card-management portal. This step reduces the risk that the issuer will freeze your card when you try to use it overseas.
Pay in the local currency
Any time you’re presented with the option to pay with or without a currency conversion, always opt for the latter. By paying in the local currency, your bank will handle the conversion to U.S. dollars — usually at a lower rate.
Use manned payment stations
In some parts of the world, unmanned checkouts won’t accept your card if it doesn’t use a chip-and-pin system. However, as contactless payments become more popular across the globe, you can avoid this issue by tapping your digital wallet.
Don’t use an ATM
Unless it’s an emergency, you should never use your credit card to take out cash. Cash advances often come with fees and a higher annual percentage rate (APR). If you need cash, it’s better to use a debit card without foreign transaction fees.
Know what benefits come with your card
Many cards come with benefits, including travel insurance and coverage for lost luggage. Understanding these perks can help you avoid buying things you’re already getting for free.
Alternatives to credit cards for overseas travel
A credit card isn’t the only way to pay for purchases when you’re traveling overseas. You might also consider these alternatives.
Debit cards
Debit cards are always an option when you’re traveling. Be prepared for discrepancies in PIN formats; some countries use six or eight digits, which can cause a problem if your card has a four-digit PIN. Debit cards can also be vulnerable to fraud, especially if you’re using ATMs regularly. Protect yourself by setting up automated purchase notifications and minimizing your account balance.
Prepaid cards
Many prepaid Visas and Mastercards can be used internationally. Read the terms and conditions carefully; some cards charge fees for international transactions.
Cash
Cash is still a valid form of payment. Smaller stores, especially those in developing countries, might refuse to accept anything else. For safety, avoid carrying large amounts of cash and pay attention to ATM fees.
FAQ: Best credit cards for international travel
What credit card is best for international travel?
The best credit card for traveling abroad depends on your needs. If you travel overseas regularly, a card with a strong rewards program and luxury travel perks could be worth a high annual fee (like Chase Sapphire Reserve®). For occasional travel, look for a lower annual fee and solid rewards (like the Chase Sapphire Preferred® Card).
What’s the advantage of using a credit card when traveling internationally?
Credit cards have excellent fraud protection, which is handy if your card is stolen on a trip. Plus, you can earn rewards on your flights, hotels, activities and restaurant meals.
What is the most accepted credit card for international travel?
Visa and Mastercard are the most widely accepted cards around the world.
Is American Express or Visa better for international travel?
Visa is better than American Express for travel as it’s accepted in more places.
Is it safe to use a credit card when traveling abroad?
It’s safe to use a credit card when traveling internationally — just make sure to choose one with no foreign transaction fees.
Which transfer partners are best for credit cards with international travel?
The best transfer partners depend on your card issuer. American Express cards have a wide range of transfer partners, including Delta SkyMiles; Capital One cards offer strong transfer options among international providers.
Which international travel credit cards have sign-up bonuses?
Our picks for the best credit cards for traveling all have welcome bonuses. You’ll usually get a better bonus if you opt for a premium card with an annual fee, such as the Chase Sapphire Reserve Card or The Platinum Card from American Express.
About the Author
Elizabeth Smith is an experienced travel and finance writer who specializes in topics including credit cards, travel insurance, and personal finance. Travel insurance, in particular, has both professional and personal significance for Smith. She’s traveled to 73 countries, and has extensive experience choosing and using various policies — she understands how valuable the right plan can be in an emergency, and loves to help readers find the perfect fit.
Smith comes to the world of finance from a scientific and technical background. She spent more than 10 years writing about engineering, science, and technology for universities and private companies. When she’s not writing or traveling, Smith can usually be found hiking or Nordic skiing.
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* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.
All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.