When you’re hopping borders, the last thing you want is to get dinged by foreign transaction fees or find yourself stuck in a country where your card isn’t accepted. As a seasoned pilot and frequent traveler, I’ve learned that having the right international credit card in your wallet can save you money, protect your purchases, and earn rewards that stretch your travel budget further.
Let’s walk through how to choose the best international credit card for travel, plus the top four cards I recommend.
What Makes a Credit Card Great for International Travel?
When evaluating travel-friendly cards, keep an eye out for these key features:
1. No Foreign Transaction Fees
Many banks charge 1–3% on every purchase made outside your home country. That can add up fast. The best travel cards waive this completely.
2. Worldwide Acceptance
Visa and Mastercard dominate global networks. American Express is powerful but limited in acceptance across parts of Europe and Asia. Make sure your card works where you’re going.
3. Travel Rewards or Points
Whether it’s airline miles or flexible points, a card that gives you something back for spending abroad is always a win.
4. Travel Perks and Protections
Think lounge access, trip cancellation coverage, rental car insurance, and concierge services. These extras can seriously elevate your experience.
5. Chip + Contactless Technology
Ensure the card supports EMV chip and contactless tap features, both of which are more secure and widely used abroad.
6. ATM Fee Reimbursements
If you withdraw local currency, some cards refund ATM fees or offer partnerships to reduce them.
Top 4 International Credit Cards for Travelers
Here are four of the most trusted and highly-rated travel credit cards for 2025:
1. Chase Sapphire Preferred® Card
Why it stands out: Excellent travel protection benefits and strong point-earning system.
- 2x points on travel and dining
- No foreign transaction fees
- Primary rental car insurance
- Points transfer to airline and hotel partners
- Annual Fee: $95
2. Capital One Venture Rewards Credit Card
Why it stands out: Simple and flexible rewards system.
- 2x miles on all purchases
- No foreign transaction fees
- Global Entry/TSA PreCheck credit
- Great international acceptance
- Annual Fee: $95
3. American Express Platinum Card®
Why it stands out: Premium travel benefits for frequent flyers.
- Lounge access (Priority Pass, Centurion)
- 5x points on flights booked directly or through Amex Travel
- Hotel status upgrades
- Travel insurance and concierge
- Annual Fee: $695
Note: Amex isn’t accepted everywhere internationally. Always carry a backup.
4. Charles Schwab Debit Card (Investor Checking Account)
Why it stands out: Not a credit card—but a must-have debit card for ATM use abroad.
- No foreign transaction fees
- Unlimited ATM fee reimbursements worldwide
- Great for cash withdrawals while traveling
- Annual Fee: $0
Final Tips Before You Travel
- Notify your bank of your travel plans to prevent declines.
- Have a backup card in case one fails or is stolen.
- Use credit over debit when making purchases—better protection.
- Monitor your account regularly for fraud when abroad.
- Keep a digital copy of your cards stored securely in case of loss.
The Bottom Line
The best international credit card for travel is one that blends low fees, global usability, strong rewards, and solid protections. Pick one that matches your travel style—whether you’re luxury-hopping through airport lounges or living light with local hostel vibes. These cards have been tested in real-world travel conditions and are pilot-approved. You should also check out my article on managing your travel expenses.
Here’s to traveling smarter, not harder.
Safe Travels,
The Nomad Pilot
