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When you’re traveling overseas, there are a lot of things you have to do differently than when you’re at home. You must use adapters to plug in electric devices, pay in a different currency and may even have to drive on the other side of road.
And when it comes to paying by credit card, you’ll often find that the card you use at home isn’t suited to making charges in a foreign country. So before you take your next big trip, consider these five credit cards that have the features you’ll need all over the world:
1. Barclaycard Arrival Plus® World Elite Mastercard® (Expired)
This card packs many of the features that international travelers need. It has an EMV smart chip that is compatible with both chip and PIN, not just chip and signature. This is important as there are many unattended kiosks, such as those sell train tickets, that only accept chip and PIN transactions. In addition, this card has no foreign transaction fees imposed on transactions processed outside of the United States.
Furthermore, it comes with a very competitive rewards program. You get two miles per dollar spent, and miles are worth one cent each as statement credits towards travel expenses such as airfare, hotels, car rentals, cruises, and more. You also receive a 5% rebate on miles redeemed, and a host of travel and shopping discounts as part of the World MasterCard program. Finally, new applicants receive 70,000 miles, worth $700 in statement credits for travel purchases, after spending $5,000 within the first 90 days. There’s an $89 annual fee for this card that is waived the first year. See Rates & Fees here for more information on the Arrival Plus.
2. The Platinum Card® from American Express
This card has always been popular among frequent international travelers for a variety of reasons. First, it offers access to airport lounge programs. In addition, travelers receive up to $200 in annual airline fee credits, and for each dollar spent on eligible purchases with American Express Travel, cardholders earn one point in the Membership Rewards program. Right now, cardholders can earn 60,000 points after spending $5,000 on purchases within the first 3 months.
3. BankAmericard Travel Rewards® Credit Card
I like this card because it offers all of the necessities for international travelers, but with no annual fee. These must-haves include an EMV chip as standard and no-foreign transaction fees. In addition, its rewards program is excellent for a card without an annual fee. You earn 1.5 points for every dollar spent, and points are worth one cent each as statement credits towards travel expenses. New applicants receive 10,000 bonus points after making $500 in purchases within their first 90 days of opening an account. Finally, those who hold a Bank of America checking or savings account receive a 10% points bonus.
4. Chase Sapphire Preferred® Card
Chase’s travel rewards card comes equipped with an EMV smart chip and has no foreign transaction fees. It offers double points for all dining and travel purchases, and points can be redeemed for 1.25 cents each towards travel reservations or transferred to airline and hotel programs. New applicants receive 60,000 bonus points after spending $4,000 within the first three months of card membership. There’s a $95 annual fee for this card.
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