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Best Credit Cards for International Travel for March 2024

Review Updated
Elizabeth Aldrich
Steven Porrello
By: Elizabeth Aldrich and Steven Porrello

Our Credit Cards Experts

Nathan Alderman
Check IconFact Checked Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

Whether you've caught the travel bug or you go abroad often for work, the best credit cards for international travel will help you save money on fees all while earning valuable rewards and providing travel perks and protections. From big sign-up bonuses and luxury perks to trip insurance and whether the card will be accepted worldwide, here's what you need to know to pick the best credit card for your next international trip.

Great for: Travel and dining

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.49%-28.49% Variable

Rewards Circle with letter I in it. Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.

5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases

Annual Fee Circle with letter I in it. N/A

$95

Welcome Offer Circle with letter I in it. 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 Ultimate Rewards®.

60,000 bonus points

  • With a big sign-up bonus, the sky's the limit for this top-rated travel rewards card. Plus, the premium points program for travel and dining offers even more value for travel enthusiasts everywhere. Read Full Review

    • Big sign-up bonus
    • Travel rewards
    • Dining rewards
    • Flexible travel points
    • Consumer and travel protections
    • Annual fee
    • Limited-time perks
    • 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 Ultimate Rewards®.
    • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. 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

Great for: Travel and dining

Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

22.49%-29.49% Variable

Rewards Circle with letter I in it. Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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

5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards®

Annual Fee Circle with letter I in it. N/A

$550

Welcome Offer Circle with letter I in it. 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 Ultimate Rewards®

60,000 bonus points

  • The sign-up bonus, premium rewards for travel and dining, and a wide array of travel benefits give this card quite a bit of value. Read Full Review

    • Sign-up bonus
    • Travel credits
    • Airport lounge access
    • Travel and dining rewards
    • Flexible travel points
    • Annual fee
    • 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 Ultimate Rewards®
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
    • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
    • Member FDIC
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Excellent (740-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 29.99% (Variable)

Rewards Circle with letter I in it. Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

2X-10X miles

Annual Fee

$395

Welcome Offer Circle with letter I in it. 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening

75,000 Miles

  • This is a strong premium level travel card with a big sign-up bonus, robust rewards program, and rich travel credits. Read Full Review

    • Big travel rewards bonus
    • High rewards rate
    • Travel credits
    • Easy-to-use miles
    • Annual fee
    • Small selection of travel partners
    • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
    • 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
    • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
    • Earn unlimited 2X miles on all other purchases
    • 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®

Great for: Restaurants and travel

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24% - 29.24% (Variable)

Rewards Circle with letter I in it. 3x points at restaurants, supermarkets, at gas stations, for air travel, and on hotels, 1x points on other purchases

1x - 3x points

Annual Fee

$95

Welcome Offer Circle with letter I in it. Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.

60,000 ThankYou® Points

  • While it has flown under the radar, this rewards card packs big value with bonus opportunities and flexible travel points. Read Full Review

    • Big sign-up bonus
    • Annual hotel savings offer
    • Travel and dining rewards
    • Grocery and gas rewards
    • Flexible travel rewards points
    • Annual fee
    • Limited consumer and travel protections
    • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
    • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
    • Earn 3 Points per $1 spent at Restaurants and Supermarkets
    • Earn 1 Point per $1 spent on all other purchases
    • Annual Hotel Savings Benefit
    • 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases

Great for: American Airlines frequent flyers

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24% - 29.99% (Variable)

Rewards Circle with letter I in it. 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases, 1 mile per dollar on other purchases

1x - 2x miles

Annual Fee Circle with letter I in it. $0 intro annual fee for the first 12 months, $99 thereafter

$0 intro fee

Welcome Offer Circle with letter I in it. Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.

50,000 miles

  • The rewards program makes this a compelling card to carry with OK earning opportunities beyond just American Airlines purchases.

    • Big sign-up bonus
    • Free checked bag
    • Preferred boarding
    • Earn a flight discount certificate
    • Annual fee
    • Lackluster rewards rate
    • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening
    • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
    • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
    • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card
    • No Foreign Transaction Fees
    • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
    • Enjoy preferred boarding on American Airlines flights
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date.
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 27.24% (Variable)

Rewards Circle with letter I in it. 2 points per dollar on travel & dining purchases, unlimited 1.5 points per dollar on all other purchases, 25%-75% more points for Bank of America Preferred Rewards members

1.5 - 2 points per dollar

Annual Fee

$95

Welcome Offer Circle with letter I in it. 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening

60,000 bonus points

  • The bonus offer, premium travel & dining rewards, and up to $200 in travel-related statement credits make this a compelling offer for travelers who can justify paying an annual fee. Read Full Review

    • Big sign-up bonus
    • Bonus travel and dining rewards
    • Travel credits
    • Consumer and travel protections
    • Annual fee
    • Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
    • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
    • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
    • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
    • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
    • Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
    • No foreign transaction fees.
    • Low $95 annual fee.
    • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Award Icon 2024 Award Winner
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 29.99% (Variable)

Rewards Circle with letter I in it. Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

2X-5X miles

Annual Fee

$95

Welcome Offer Circle with letter I in it. 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening

75,000 Miles

  • Unlimited 2X miles, TSA Pre✓® credits, and a big sign-up bonus make this credit card one of the best travel companions. Read Full Review

    • Excellent sign-up bonus
    • Unlimited miles on purchases
    • Travel credit
    • Multiple ways to use miles
    • No foreign transaction fee
    • Annual fee
    • No 0% intro APR offer
    • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
    • Earn unlimited 2X miles on every purchase, every day
    • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
    • 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
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. Balance transfers include a fee of 3% for 60 days from account opening, then 4%.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

18.24% - 28.24% (Variable)

Rewards

1.5 points per dollar

Annual Fee

$0

Welcome Offer Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases

25,000 bonus points

  • No annual fee travel cards typically skimp on the sign-up bonus, but this card delivers with its intro bonus offer, unlimited rewards on purchases, and a generous 0% intro offer on purchases and balance transfers. Read Full Review

    • Big sign-up bonus
    • No annual fee
    • Competitive rewards rate on purchases
    • Great 0% intro APR offer on purchases and balance transfers
    • Limited ways to use points
    • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
    • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
    • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
    • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
    • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
    • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
    • Contactless Cards - The security of a chip card, with the convenience of a tap.
    • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Award Icon 2024 Award Winner

Great for: United frequent flyers

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.99% - 28.99% Variable

Rewards Circle with letter I in it. Earn 2 miles per $1 spent on dining, hotel stays and United® purchases. 1 mile per $1 spent on all other purchases

N/A

Annual Fee Circle with letter I in it. $0,First Year

$95

Welcome Offer Circle with letter I in it. Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

Earn 60,000 bonus miles

  • With a big sign-up bonus and rewards for United and dining purchases, the miles will accumulate quickly if you're a frequent traveler.

    • Big sign-up bonus
    • United, restaurant, and hotel rewards
    • Free first checked bag
    • Travel statement credits
    • United travel benefits
    • Annual fee
    • No access to Polaris lounges
    • Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
    • $0 introductory annual fee for the first year, then $95.
    • Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
    • Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
    • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
    • Free first checked bag - a savings of up to $140 per roundtrip. Terms Apply.
    • Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year
    • Member FDIC
The information related to United℠ Explorer Card has been collected by The Ascent and has not been reviewed or provided by the issuer.
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0% intro on purchases for 15 months

Balance Transfers: 0% intro on balance transfers for 15 months (Balance Transfer Fee Applies)

Regular APR

19.99% - 29.99% (Variable)

Rewards Circle with letter I in it. Earn unlimited 1.25X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

1.25X-5X miles

Annual Fee

$0

Welcome Offer Circle with letter I in it. 20,000 Miles once you spend $500 on purchases within 3 months from account opening

20,000 Miles

  • Travel cards with no annual fee generally pull back on cardholder favorites, but this card offers decent rewards and a generous welcome bonus. It’s a solid offer for cardholders who don’t spend enough on credit to justify paying an annual fee. Read Full Review

    • No annual fee
    • Sign-up bonus
    • Rewards on purchases
    • Great intro APR
    • No foreign transaction fee
    • Mediocre rewards rate
    • No bonus categories
    • $0 annual fee and no foreign transaction fees
    • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
    • Earn unlimited 1.25X miles on every purchase, every day
    • Miles won't expire for the life of the account and there's no limit to how many you can earn
    • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
    • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
    • Transfer your miles to your choice of 15+ travel loyalty programs
    • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
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4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Delta SkyMiles® Gold American Express Card

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: n/a

Balance Transfers: n/a

Regular APR

20.99%-29.99% Variable

Rewards Circle with letter I in it. Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Mile on all other eligible purchases.

1X-2X Miles

Annual Fee

$0 introductory annual fee for the first year, then $150.

Welcome Offer Circle with letter I in it. Earn 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months.

70,000 bonus miles

  • An excellent option for most Delta travelers, given the balance of a nice welcome offer, premium rewards program, and a low annual fee. Read Full Review

    • Welcome offer
    • Free checked bag
    • Priority boarding
    • Earn a Flight Credit
    • Annual fee
    • No premium travel benefits
    • Earn 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months.
    • Enjoy a $0 introductory Annual Fee for the first year, then $150.
    • Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
    • ENHANCED! $200 Delta Flight Credit: After you spend $10,000 in purchases in a year, you can receive a $200 Delta Flight Credit to use toward future travel.
    • Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
    • Earn 1X Mile on all other eligible purchases.
    • Enjoy your first checked bag free on Delta flights.
    • Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
    • NEW! $100 Delta Stays Credit: Delta SkyMiles® Gold American Express Card Members can earn up to $100 back annually on eligible prepaid Delta Stays bookings on delta.com.
    • Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
    • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
    • No Foreign Transaction Fees.
    • With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
    • Terms Apply.

Which credit cards work internationally?

Visa and Mastercard are the most widely accepted credit cards beyond the U.S. Some international vendors may also accept American Express and Discover, but don't count on it -- if you're traveling outside the U.S., it's best to have at least one Visa or Mastercard, ideally both.

While cards in the travel credit card category are increasingly popular around the globe, some credit card issuers are more widely accepted than others. It's important to take into consideration where you'll be traveling most frequently -- even the best rewards credit cards for international travel are useless if they aren't accepted where you plan to travel.

What to look for in the best international travel credit card

The best travel credit cards help you stay on budget while traveling by offering comprehensive travel benefits and protections. Here are the top features and benefits to look for in the best rewards credit cards for international travel.

Welcome offer

Aim for credit cards with generous sign-up bonuses, but make sure you can meet the minimum requirements to earn the bonus. This will give you a solid boost if you're collecting rewards for an upcoming vacation, as many welcome offers are big enough to cover one (sometimes two) round-trip flights.

Rewards rate

You also want to pay attention to the rewards rate you'll earn on your regular spending to determine whether or not the credit card brings value past earning the sign-up bonus. Choose rewards credit cards that offer higher rewards rates (think three points per $1 spent on select categories), but also make sure that the bonus spending categories align with your spending habits.

Redemption options and point value

Travel credit card issuers will let you redeem points or miles for a variety of travel purchases or statement credits, but each issuer will assign different values to your points based on how you redeem them. Hotel credit cards, for instance, may give you more value when you redeem points for booked rooms with that hotel, while airline cards might give you better value when you redeem miles for flights. Figure out what rewards you'd like to earn upfront (rooms, flights, and general travel purchases), then do some research to find the card that will earn those rewards most efficiently.

Point value

Not all rewards points are created equal. One credit card might offer a larger sign-up bonus than another, but that doesn't necessarily mean it offers more value. Some rewards points are valued at $0.005 each while others are valued at $0.02 each. Do some research to figure out the true value of the rewards you'd be earning.

Foreign transaction fee

It's easy to rack up credit card fees while you're traveling abroad without even noticing it. The biggest one to avoid is the foreign transaction fee. The best credit cards for international travel come with no foreign transaction fee.

Rental car insurance

Most of our best international credit card picks have rental car insurance built into them, though you'll need to pay for the rental car with your credit card for the coverage to kick in. Many of these cards offer collision coverage and theft insurance, but double check to see if you're comfortable with the coverage it offers or need to complement it with your own policy.

Delayed and lost baggage insurance

Delayed and lost baggage insurance can help reimburse you for baggage mishaps, such as when your luggage doesn't arrive for several hours, or worse -- doesn't arrive at all. For this coverage to kick in, you must have charged the flight to your travel credit card.

Trip cancellation insurance

If your trip is canceled or interrupted due to eligible unforeseen circumstances, your credit card may reimburse you for any non-refundable reservations you've already made, such as flights and hotels. For this coverage to apply, you must have charged the canceled or interrupted reservations to your travel credit card.

How to compare cards

When choosing the best international travel credit card, you'll want to compare three main features: fees, rewards, and benefits.

Comparing fees

The best travel credit card for you will be the one that earns you the most rewards without forcing you to dig into your own pockets. That means, before you apply for a card, take a look at its fees, such as annual fees, foreign transactions fees, and interest rates.

Many of the cards listed above don't have foreign transaction fees, but they'll charge interest for unpaid balances. Since you don't want interest to eat into your rewards, aim to pay off your card's balance every billing cycle. Even if the card has an intro 0% APR, it's a good habit to charge only what you can afford to pay off and avoid carrying balances from one billing cycle to the next.

Likewise, pick only annual fee cards that will earn you more rewards than the card costs you. Initially, this could mean picking a card that has a welcome offer that pays for the card's fee. But over time you want a travel card whose earn rate, rewards, and insurance more than pay for the card itself. Alternatively, you could choose one of our picks for best travel cards with no annual fees if you don't plan to use the card frequently.

Comparing rewards

The two most important things to look for when comparing rewards systems across different cards are:

  • Cards with bonus spending categories that match your spending habits
  • Cards with points or miles that can be easily redeemed for awards you actually want

Additionally, you'll want to compare the point value of different cards, do the math to figure out how much the welcome offer is worth, and figure out how much you'd earn in rewards monthly given your spending habits. This will help you break down which credit card would be the most lucrative for you.

Read more: Best Airline Credit Cards

Comparing benefits

Travel benefits, such as lounge access and rental car insurance, can be nice add-ons to a travel card that's earning you a slew of rewards. But sometimes the benefits can be super enticing, such as when a hotel card gives you free rooms or an airline card gives you a $100 credit for flight incidentals. Read the fine print in each credit card's benefits guide to figure out which ones offer the best insurance.

Is a card for international travel right for me?

A credit card for international travel might be right for you if:

  • You travel internationally at least a couple of times per year
  • You don't plan on carrying a balance
  • You can handle using a credit card without overspending

If you don't travel much internationally, you might want to consider one of the best credit cards geared toward consumers in general, which might offer more flexible perks and rewards that can apply to your everyday life. If you plan on carrying a balance, you should look into either a low interest credit card or a 0% intro APR credit card to save money on interest.

Read more: Check out The Ascent's list of the Best Travel Credit Cards With No Annual Fee

The Picks
Card Rating Great For
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Great For:

Travel and dining

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4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Great For:

Travel and dining

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4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Great For:

Premium travel rewards

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Restaurants and travel

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American Airlines frequent flyers

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Premium travel

Award Icon 2024 Award Winner
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One-card wallet

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No annual fee

Award Icon 2024 Award Winner
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United frequent flyers

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No annual fee (see rates and fees)

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Delta flyers

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date.
The information related to United℠ Explorer Card has been collected by The Ascent and has not been reviewed or provided by the issuer.

FAQs

  • A foreign transaction fee is a fee that's charged each time a purchase is made in a foreign country. This fee is charged as a percentage of each purchase. Most credit cards with foreign transaction fees charge 3%, which would mean you'd rack up $30 in fees for every $1,000 you spend abroad.

  • Look for credit cards with no foreign transaction fee. You'll also want to watch out for dynamic currency conversion, which is when a merchant converts a price in the local currency to your currency, often at an unfavorable exchange rate. If a merchant in a foreign country asks you if you'd prefer to pay in the local currency or in dollars, always pay in local currency.

  • Visa and Mastercard are the most widely accepted credit cards. American Express is accepted in some places, though there are still some areas and small businesses that don't accept it. Discover is the least accepted abroad.

Our Credit Cards Experts