commonwealth bank travel card complaints

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Anyone with a Comm Bank Travel Money Card READ THIS - Australia Forum

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Anyone with a Comm Bank Travel Money Card READ THIS

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Just a random advice warning.......

I previously had 2 commonwealth bank travel cards which i used overseas. I’m not the most organised of people, so they ended up in a draw, still loaded with funds, but I could still see these funds on my net bank online account.

Then mysteriously they disappeared from my online back account. I asked a staff member one day in a store, what happened.....oh, they disappear after you don’t use them for a while.

I just wonder how many people have had these, and like me, just forgotten about them.

They managed to trace them and I had the funds transferred into my account.

But please check any travel cards (no matter what bank) Incase you have lost funds out there. I was angry that comm bank would able to make these accounts simply disappear :(

This is only one of many ways that travel cards like this are a rip-off. There are so many better ways to manage money when travelling...

Nath ,This is very good advise. Much like many of these type of services your funds are held in account . Perhaps also check your Super as well.

I hope that you did give some money to the people at CBA for such good service .

Something else with travel cards. My last travel card had such a poor exchange rate that even with big fees for using my CBA keycard I decided it was better to just use the CBA keycard.

To repeat advice I have given many times:

To get cash overseas, open a Citibank Plus bank account, which comes with a Mastercard debit card that has no overseas ATM withdrawal fees and an excellent exchange rate. For larger purchases, get a Latitude 28 or Bankwest Zero Mastercard which have no fees for overseas purchases (in person or over the Internet) and again an excellent exchange rate. ING now offers debit and credit cards that can be used with no foreign transaction fees, but with monthly minimum transaction requirements. All these cards have no account fees.

This topic has been closed to new posts due to inactivity.

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Commonwealth Travel Card Review – [2023]

The Commonwealth Travel Money Card is a prepaid Visa debit card you can top up in 13 different currencies, for global spending and ATM withdrawals. That can be handy for managing your budget when you’re overseas, as you can lock in exchange rates in advance so you know exactly what you have to spend.

This guide covers the Commonwealth travel card in detail, including how the card works and the fees that you’ll pay to use it. We’ll also touch on a couple of Commonwealth travel card alternatives from Wise and Revolut , which support more currencies and may come with lower fees.

Commonwealth travel card: key features

The Commonwealth Travel Money Card has a good selection of supported currencies, and is globally accepted wherever you see the Visa logo. However, there are currency conversion fees to pay when you use the card to spend unsupported currencies, or when you don’t have enough balance to cover the cost of your purchase in a particular currency. Plus, you’ll pay an ATM fee at home and abroad.

This guide walks through the Commonwealth Travel Money Card in detail – to kick off, here’s a quick look at the key pros and cons of using the card on your travels.

Travel money cards can be handy when you’re away. They let you convert funds to the currency you need in advance, so you know your budget before you leave – plus, they’re not linked to your normal bank account which can increase security and offer peace of mind when you travel. However, the features and fees you find in travel money cards from different banks and providers can vary pretty widely. Shopping around is essential to make sure you get the best deal for your specific needs – this guide should tell you all you’ll need to know to help you pick.

Who is the Commonwealth travel card for?

The Commonwealth travel card supports 13 currencies including those used in popular holiday destinations like Thailand, Japan, Vietnam and New Zealand, plus major global currencies like US dollars, euros and British pounds. That can mean it’s a handy card to have for people travelling for business or pleasure, or for anyone shopping online with overseas retailers.

What is the Commonwealth travel card?

The Commonwealth Travel Money Card is a Visa debit card you can load in advance in AUD or any of the other supported currencies, for international spending and withdrawals. You can use your Commonwealth travel card when you travel, and also for online shopping in foreign currencies.

Is the Commonwealth Travel Money Card a multi-currency card?

Yes. You can add AUD to your Commonwealth card, and convert to any of the following supported foreign currencies:

United States dollars (USD)
Euros (EUR)
Great British pounds (GBP)
Japanese yen (JPY)
New Zealand dollars (NZD)
Hong Kong dollars (HKD)
Canadian dollars (CAD)
Singapore dollars (SGD)
Thai baht (THB)
Vietnamese dong (VND)
Chinese renminbi (CNY)
Emirati dirham (AED)

There is a fee – in the form of an exchange rate markup – added when you switch to the currency you need from AUD. However, it’s then usually free to spend the currencies you hold in your account.

If you’re looking for different currencies – or you’re planning on travelling more widely – you can also consider a travel card from a specialist service like Wise or Revolut. Wise supports 50+ currencies, while Revolut covers 25+ – more on that, including some other important features of Wise and Revolut, next.

Alternatives to Commonwealth travel card

The Commonwealth travel card has some handy features, but there are also some fees you’ll need to think about before you order one. One important cost is rolled into the price of switching from one currency to another. There’s a markup added to the exchange rate used when you initially switch from AUD to the currency you need, and if you use your card to spend an unsupported currency, or if you run low on the currency you need while you’re away, extra fees of 3% kick in too.

To weigh up whether the Commonwealth card is best for you, take a look at our comparison against alternative providers Wise and Revolut:

Information taken from CommBank Travel Money Card desktop site and Fees , Wise pricing page , Revolut international transfer fees and Revolut Australia ; correct at time of writing, 24th May 2023

As you can see, Wise and Revolut both support a broader selection of currencies compared to the Commbank card, which can be helpful if you’re travelling more widely. Plus, you may find you get lower overall currency conversion costs with a specialist service. Revolut has some fee free currency conversion which uses the mid-market rate for all account holders – even if you’re using a standard account plan with no monthly fees. And Wise has mid-market rates for all currency exchange, with low fees based on the currencies you need, starting at 0.41%.

There’s a quick introduction to Wise and Revolut next, to help you decide if either may suit your needs.

Read a full Wise review here

Wise accounts can hold and exchange 50+ currencies, and come with an optional linked Wise card to spend with the mid-market rate and low fees from 0.41%, in 170+ countries. You can apply, and manage your account, from your smartphone, and get extra perks like fast payments to 70+ countries, and local bank details for 9 currencies, to get paid easily from 30+ countries.

Get a Wise travel card

Revolut accounts come with linked debit cards, and can hold 25+ currencies. You can either get a standard plan which has no monthly fees, or pay a monthly charge to access extra features and perks. Revolut currency exchange uses the mid-market exchange rate to plan limits, with fair usage fees after that. Out of hours fees may also apply if you switch currencies when the global markets are shut.

Go to Revolut

Commonwealth travel card fees & spending limits

Let’s take a look at the fees and limits that apply to the Commbank travel card. First, here are some important limits to know in advance:

And what about the charges involved with using a Commonwealth Bank Travel Money Card? Here’s a rundown of the key costs:

Information correct at time of writing – 24th May 2023

Exchange rates

When you top up your card in AUD and convert to a foreign currency for overseas spending, the Commbank retail exchange rate applies. This rate can be found online, but it’s handy to know it won’t be the same as the mid-market rate you find using a Google search or currency conversion tool, as it includes a margin – which is a fee. The margin used by Commonwealth Bank can vary depending on the currencies in question, so you’ll need to take a look on their website to see the rate for your currency pair, and then compare it back to the rate you get from a conversion tool, to spot the margin that’s been added.

If you’re spending a currency you don’t hold in your account, the exchange rate applied is set by Visa, and there’s then an extra 3% fee to pay. That doesn’t sound like a lot, but it can mount up quickly if you’re travelling for a while.

As an alternative, you might want to check out prepaid international debit cards which offer the mid-market exchange rate – like those from Wise and Revolut.

How to get Commonwealth travel card

You can order a Commonwealth Travel Money Card if you fulfil the eligibility criteria:

You must be at least 14 years old
You must be a Commonwealth Bank customer, registered to use NetBank
You’ll need an Australian residential address

Assuming you fit these criteria you can order in a Commonwealth Bank branch, or online. Once you have your card in your hands, you then need to activate it in NetBank or the Commbank app. You can also set a PIN for security.

What documents you’ll need

To open a Commonwealth Travel Money Card account you’ll need to be registered with NetBank. That means you’ll also need a valid Commbank account and card to get started. If you already have a Commonwealth Bank account you can open your travel card account with no new documents – just log into NetBank or visit a branch to get started.

If you don’t have a Commbank account yet, the process is a bit more involved as you’ll have to first select and open a bank account. This normally means you also need to provide proof of ID and address, which you can upload online or show in a branch.

What happens when the card expires?

The Commonwealth Travel money Card is valid for 4 years. Once it expires it’s not automatically replaced with a new card. You’ll need to request a new card in NetBank. If you don’t do this within 3 months of the card expiry date, you’ll lose access to your account – so make sure you open a new card in time, or remove any remaining funds from the account to avoid extra hassle.

How to use a Commonwealth travel card?

The Commonwealth travel card is a Visa debit card you can use online and in person for spending and withdrawals. You can also send money from the card account to other Commbank cards and accounts, although fees may apply for this service if you’re switching currencies as part of the transfer.

How to withdraw cash with a Commonwealth travel card?

Once you have funds on your Commbank card you can make withdrawals around the world, just as you would with your regular debit card. There’s a Commonwealth ATM limit of 2,500 AUD per day – although most ATMs have their own limits which are likely to be lower than this. You’ll also pay a fee of 3.5 AUD or the currency equivalent when you make a cash withdrawal, plus any applicable currency conversion fee if you’re withdrawing in a currency you don’t hold in your account.

Is the card safe?

Yes. Commonwealth Bank is a trusted and regulated bank, making it a safe provider to use. Plus, using a prepaid travel card when you’re abroad can be safer than using your normal card. As it’s not linked to your main day to day account, even if you’re unlucky enough to have your travel card stolen, thieves don’t have access to your primary account balance.

How to use the Commonwealth travel card overseas?

The Commbank travel card is issued on the Visa network, which means you can use it in millions of ATMs and with merchants worldwide. If you’ve got a balance in the currency you need, there’s no extra fee for paying at a merchant abroad. However, it’s useful to know that a 3% fee applies if you spend in a currency you don’t hold in your account, or if the balance you have in that currency isn’t enough to cover the purchase. This can push up costs significantly, so it’s worth keeping an eye on your balance in the Commbank app, so you don’t run low without realising.

Conclusion: is the Commonwealth travel card worth it?

The Commonwealth Travel Money Card is a helpful card for travel to any of the countries and regions covered by the 13 supported currencies. Using a prepaid card can help you set your travel budget in advance as you’ve locked in exchange rates before you leave. However, the Commbank card isn’t free to use. There’s a fee to switch currencies – either a 3% conversion cost for direct spending, or a margin added to the exchange rate when you convert within your account. Plus, there’s a 3.5 AUD fee for ATM withdrawals overseas.

Compare the costs and flexibility of the Commbank travel card against alternatives like the international debit cards from Wise and Revolut. Both offer a broader selection of currencies, and use the mid-market exchange rate to switch over your funds from AUD to the currency you need. This can cut the costs overall, and it’s more transparent as you can easily see all the fees involved in currency exchange.

Commonwealth travel card review FAQ

How does the Commonwealth travel card work?

The Commonwealth Travel Money Card is a prepaid international Visa card you can use for spending and withdrawals around the world. You’ll need to add money in AUD and can then convert to any of the 13 supported currencies within NetBank.

Is the Commonwealth travel card an international card?

Yes. The Commonwealth Travel Money Card can hold 13 different currencies, and as it’s issued on the Visa network you can use it more or less anywhere in the world. There’s a 3% fee to spend currencies you don’t hold in your account though – so if your currency isn’t supported by the Commbank card you might be better off with an alternative like the multi-currency cards from Wise and Revolut.

Are there any alternatives to the Commonwealth travel card?

Commonwealth Travel Money Card alternatives are available from banks and specialist digital providers. Compare the options from Wise and revolut as an example – both offer dozens of supported currencies, with low, transparent fees and great global acceptance.

Join CHOICE

Travel money cards with the lowest fees

We look at seven travel money cards from the big banks and airlines..

Prepaid travel money cards are offered by major banks, airlines and foreign exchange retailers like Travelex. Before travelling overseas, you load money into the card account, which locks in the exchange rate for foreign currencies at that time.

You can then use the card for purchases and cash withdrawals just like a debit or credit card, usually wherever Visa and Mastercard are accepted.

You can reload money on-the-go via an app or website, and if the card is lost or stolen, it can be replaced (usually at no cost to you).

Prepaid travel money cards also give you assurance that you're not handing the details of your everyday banking account to merchants you're not familiar with, and they provide easy access to cash when you want some, says Peter Marshall, head of research at money comparison website Mozo .

CHOICE tip: Travel money cards are best for longer trips. They're usually not worth your while if you're only taking a short trip, as some have closure, cash out and inactivity fees.

Travel money card fees

A major difference between prepaid travel cards and debit or credit cards is their fees. Some costs aren't immediately apparent, such as hefty margins built into the exchange rates.

And although fees have come down since we looked at these cards two years ago, you still need to watch out for:

fees to load the card – either a percentage of the total or a flat fee
ATM withdrawal fees
a cross currency fee or margin when you use the card in a currency you haven't preloaded
further fees if you close the account or haven't used the card for a period of time.

Travel money card with the lowest fees and best exchange rate

Westpac worldwide wallet.

Westpac closed its Global Currency Card in July 2021 and offers its new card in partnership with Mastercard. It's also available from Bank of Melbourne and BankSA.

Currencies: AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, ZAR.

Key features:

No loading, reloading, closing or inactivity fees.
Free to use it in network ATMs in Australia and partner ATMs overseas in a range of countries including the UK, US and New Zealand.
A charge applies at non-Westpac and non-partner ATMs in Australia and overseas.
Best exchange rates for the US dollar, the Euro and GBP in our comparison.*
The only card that lets you preload the South African rand.

Other travel money cards

Next to the Westpac Worldwide Wallet, there are six other travel money cards available.

Australia Post Travel Platinum Mastercard

Available online or at post offices.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED.

Fee to reload the card via BPay, debit card or instore, but free via online bank transfer.
Closure fee.
Fees for ATM withdrawals in Australia and overseas.

Cash Passport Platinum Mastercard

It's issued by Heritage Bank and is available online and from a number of smaller banks and credit unions (like Bendigo Bank and Bank of Queensland) as well as travel agents.

Fee to reload with a debit card or instore, but free via BPay.

CommBank Travel Money Card

CommBank Travel Money Card (Visa)

As NAB and ANZ have closed their travel money cards, this is the only other travel money card available from a major bank. This card has the largest variety of currencies that can be preloaded.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED, VND, CNY.

Fee if you make a purchase with currencies not preloaded.
Fee for withdrawals at overseas ATMs.

Qantas Travel Money Card

Qantas Travel Money Card (Mastercard)

The only travel money card offering from an airline. It can be added as a feature to your Qantas Frequent Flyer card, so you don't need a dedicated card, and you can earn points using it.

Free to reload via bank transfer or BPay, but there's a reload fee if using debit card.

Travelex Money Card

Travelex Money Card (Mastercard)

Travelex is an international foreign exchange retailer. In Australia, it operates more than 140 stores at major airports and shopping centres, across CBDs and in the suburbs. It was the card with the best exchange rate for New Zealand dollars.*

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD.

Fees :

Load fee instore, but free via Travelex website or app.
Reload fee instore or via BPay, but free via Travelex website or app.
Closure fee and monthly inactivity fee (if not used for 12 months).

Travel Money Oz Currency Pass

Travel Money Oz Currency Pass (Mastercard)

The Travel Money Group is owned by Flight Centre and is a foreign exchange retailer.

Reloading the card via an online bank transfer or instore is free, but there's a fee if you reload via BPay, debit card or credit card.
Cash out (closure) fee.

Travel money card tips

Make sure the card allows the currencies you'll need, and also consider stopovers. For example, the South African rand is only supported by the Westpac card.
Try to load your card with the right currencies and amounts on days with good exchange rates.
Make sure you know how to reload your card if you run out of funds while overseas.
It may be more convenient to choose a card that has an app that can be linked to your bank account.
Avoid loading more money than you'll need as there may be fees and exchange rate margins to get the unused money back.
Remember to cancel the card once you're finished your trip, especially if it has inactivity fees.
Be mindful that you still may need a credit card, as travel money cards may not be accepted as security for hotels and car rental agencies.

Stock images: Getty, unless otherwise stated.

Join the conversation

To share your thoughts or ask a question, visit the CHOICE Community forum.

Travel Money Card Comparison

How to find the best card for your next overseas trip.

In this guide

Travel money card comparison

What is a travel money card, the pros and cons of different options, what are the travel money card fees i should know about, how to find the best travel money card, top travel money tips, australian travel statistics, faqs about prepaid travel money cards.

Travel Money Cards

What you need to know

The most important features to compare are the foreign transaction fees, exchange rates and usability.
If you want to withdraw cash, a prepaid travel card or debit card will likely be cheaper than a credit card.
It is a good idea to have several travel money options in case of loss, damage or theft.

A travel money card is a prepaid card which you can add multiple foreign currencies onto to use while you're travelling overseas. You can use it to make purchases and withdraw cash from ATMs.

Prepaid travel cards work similarly to debit cards as you can deposit a certain amount of money into the card and only spend what you've got available in the account. However, unlike a standard debit card, a prepaid travel card allows you to lock-in exchange rates before you travel.

You can also avoid some of the fees that you might be subject to if you were to use your normal bank card. Many transaction accounts have international transaction fees or other limitations, so getting a travel money card can save you money there. It can also feel safer to have a travel money card, avoiding the risk of losing your money if something were to happen to your bank card.

Westpac Choice

There is no universal best travel money card as your options vary from country to country and person to person. In saying that, some of favourable features of travel cards include:

No additional fees: including ATM fees, reloading fees and card closure fee
The option to lock in exchange rates before you leave
The option to add multiple currencies onto the one card
Digital wallet compatibility so you can add the card to Apple Pay or Google Pay
Low or no additional cost to convert your left-over money back to AUD
Security, including card pin

You should also consider exchange rates, conditions, limits and safety.

Here are our top travel money tips:

Pay for your purchases in the local currency. This will help avoid any currency conversion fees.
Keep an eye on your transactions . It's always a good idea to regularly check your transaction history to make sure there's no unauthorised transactions - and if there are, you should report them to your bank immediately.
Always take more than one travel money option. You don't want to be left stranded if you lose your card or it gets stolen. Consider bringing 2 forms of travel cards to avoid being left cashless in a foreign country.
Keep your travel money in a few different places. Having all your foreign cash and cards in a wallet means you'll have no backup if you lose your wallet. Instead, consider keeping some of your travel money in a separate place. For example, you could keep most of your cash in a hotel safe or a locked part of your luggage.
Inform your bank. If you're using your regular debit or credit card, let your bank know. You wouldn't want your card to be cancelled due to a 'suspicious transaction' while you're overseas because your bank thinks you're still in Australia.

Australia is a nation of travellers. According to the Australian Bureau of Statistics, there were 8,337,080 resident returns from overseas for the year 2022 - 2023. The most popular reason we travel is for a holiday, and the median trip duration is 15 days.

How do you top up travel money cards?

You can top up your travel money card if you need more money while you're on your trip. Depending on your specific travel money card, you can reload your card online, using BPAY, through your bank's app or via your bank's branch. Look into the card you are topping up because some methods do incur fees e.g. the Qantas Travel Money Card has an instant reload fee of 0.5% while its BPAY and bank transfers are free.

Can you get your money back if you don't spend it all?

You can generally get your money back if you don't end up spending it all while overseas. However, you might encounter fees to get the remaining money back into your regular bank account.

What should I do if my travel money card is lost or stolen?

The first thing you should do upon discovering that your card is missing is call your card provider. Reporting the theft or loss immediately will help protect the funds on your card.

Most of the card companies provide 24/7 customer service emergency numbers. Some even accept reverse charges, so it can be as simple as dialling the operator to connect your collect call. If you dial the number directly, you may be charged for the call.

CommBank Travel Money Card: +61 2 9999 3283
Cash Passport Platinum Mastercard: +44 207 649 9404
Qantas Travel Money Card: +61 1300 825 302
Travelex Money Card: 1800 303 297
Revolut: +61 1300 281 208

What are the travel money card exchange rates?

Travel credit cards typically use the Mastercard or Visa network and use the daily exchange rates that the networks provide. You can find out the daily exchange rate by going to the Mastercard or Visa website. Prepaid travel cards allow you to lock in the exchange rate beforehand, so if you find a favourable one you can lock it in and not have to worry about fluctuations while you're away.

What is a cross currency conversion fee?

A cross currency conversion fee is charged when you use your Australian card with Australian dollars to make a purchase in a foreign country. The money is exchanged from Australian dollars into the local currency electronically. You can avoid this fee by choosing to pay in the local currency.

When are inactivity fees charged with prepaid travel cards?

If you have a travel card that charges an inactivity fee (a fee that's charged every month when your account is inactive for a period of time), you will lose any remaining funds on the card, but your account won't go into a negative balance. Once the card has a zero balance, this fee will not be charged.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

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320 Responses

When travelling from Australia to Switzerland is it best to exchange money at Australia Post from AU dollars to Swiss Franc in advance rather that change on arrival in Switzerland.

Hi Marjorie,

If you exchange your money at an airport or at a kiosk once you’ve arrived overseas, you may pay a hefty commission – it’s hard to know what charge in advance. Banks and licensed currency exchange outlets are likely to offer the best rates overseas but again, its hard to know what fees you’ll pay.

AustPost exchange is conveneint but it is not always the cheapest. Today, if you exchange $1000: – At AustPost, you’ll get CHF541.80 – The same transfer with Travelex is CHF550.80 – With Wise, you get CHF572.05

It pays to shop around and compare to find the best value.

Hope this helps!

I want a good all-rounder card, locked in FX, no maintenance charges, ATM fees , no withdrawal fees. What card is best ?

Hi Charles,

The comparison table in this guide includes details of ATM fees, load and re-load fees that can help you compare different options. For example, currently the Wise Travel Money Card and Revolut standard card both offer $0 ATM withdrawal fees for the first $350 per month, with charges for further ATM withdrawals. The Travelex Money Card also offers $0 ATM withdrawal fees.

All of these cards also let you lock in FX rates for supported currencies, but may charge fees when you’re spending in a currency that’s not loaded on the card. So it’s a good idea to consider which currencies you plan to spend, as this could have a big impact on the overall costs and help you choose a card that’s suitable for you. You can also view more details on potential costs for each card on Finder’s review pages. I hope this helps.

I am going to the Uk in 2019. Confusions is supreme. I see there is information about conversation currency fees, however on individual travel card sites they claim 0 fees. If I have a facility with my current domestic bank that charges no fees to transfer money to another facility and I use a travel card that states they have 0 fees for upload and currency conversation fee, am I correct in believing that there will be no cost to me to upload AUD to GBP. I am traveling for about 3 months and with a budget of around AUD 20,000. What cards should I consider compared to using my domestic Credit and Debit cards. I have tried using your search engine for best card for country but it is not uploading.

Thanks for getting in touch.

Sorry to hear about your confusion as to which card you would bring to the UK and apologies as well if you’re having a hard time uploading our page. Nevertheless, to help you narrow down your options, you can refer to our guide on travel money to the UK . From the page, you’d be able to compare your options for pre-paid, debit, and credit cards, and even foreign cash. Just click on the tabs to see the list. Once you have chosen a particular travel card, you may then click on the “Go to site” button and you will be redirected to the provider’s website where you can proceed with your application or get in touch with their representatives for further assistance.

With regard to the cost, usually, there’s no cost in loading AUD to the prepaid travel cards. If the currency is supported by the card, say GBP, it’s also free.

I hope this has helped.

Cheers, May

Hello, just wanted to let you know that unless I’m mistaken, the Qantas Cash card has differing information on your website. On one page it says that there is a 1% reload fee and on another that there is 0%. That said, thanks for offering unbiased easy to understand information, much obliged…

Thank you for your inquiry.

There are actually two ways to reload your Qantas Cash Card. The first option is via bank transfer or BPAY which has 0% fee and the second option through Direct Debit that charges 1% of the total amount. As a sample, this is how Direct Debit works:

If you wish to load or reload 200 AUD onto your card using Debit Card Load, you will be charged a fee of 1% of the load amount being AUD 200 x 1% = AUD 2. This means you will be required to pay AUD 202 to complete your Debit Card Load transaction.

Please also note that you may be charged other fees by third parties in relation to the Debit Card reloading transaction like the fees charged by your financial institution.

I hope this information helps.

I am traveling to South Africa and wanted to take a prepaid debit card but do not know who to contact for something like that. I talked to Travelex but they do not deal in South African currency. Any suggestions?

Thank you for contacting Finder .

Our Travel money guide to South Africa will provide you some options that may suit your needs. On the page, is a comparison table for a list of travel debit cards and prepaid travel money cards. You can use the table to help narrow down your options. Once you have selected one, you may proceed by clicking the green “Go to Site” button.

Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

I hope this helps.

Cheers, Danielle

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History of Black-owned Banks

Black-owned banks and credit unions by state.

Methodology

34 Black-owned Banks and Credit Unions, Sorted by State

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Black-owned banks have a long history of serving Black Americans, and they continue to serve communities today.

The first national bank in the U.S. was created in 1791 . While it initially opened in Philadelphia, it had branches across the country. But as slavery continued, the bank did not serve all Americans.

The end of the Civil War eventually brought millions of Black Americans freedom from slavery. And even though then-President Abraham Lincoln established the Freedman's Savings and Trust Company ("Freedman's Bank") in 1865 to help serve freed slaves, Freedman's Bank failed in 1874 due to corruption and risky investments. Though it had once boasted 37 branches and $57 million in deposits, thousands of Black customers lost their savings .

Against a backdrop of racist practices in the banking industry, including denial of access, Black-owned banks arose to help disenfranchised Black Americans. In 1888, Capital Savings Bank in Washington, DC, became the first Black bank to open , and the Savings Bank of the Grand Fountain United Order of True Reformers in Richmond, Virginia, became the first chartered Black-owned bank in the United States, later opening in 1889. More Black-owned banks followed.

Today, these banks are considered "minority depository institutions" (MDI) by the Federal Deposit Insurance Corporation . The FDIC defines an MDI as "a federal insured depository institution for which (1) 51% or more of the voting stock is owned by minority individuals; or (2) a majority of the board of directors is minority and the community that the institution serves is predominantly minority." There are dozens of Black-owned financial institutions in the United States, including credit unions.

Why Black-owned Financial Institutions are Important Service Providers

There continues to be a racial wealth gap in the United States, and access to traditional banks is limited in many majority-Black communities.

"Even though we have federal fair lending and anti-discrimination laws, Black people still suffer from racial discrimination in the banking sector," says Robert E. James, II, chairman of the National Bankers Association, a trade organization and advocacy voice for the nation's minority banks. Black-owned banks and credit unions can be "financial anchors for communities that have been historically deprived equal access to credit, capital, and even basic financial services," says James.

Without access to traditional financial institutions, many Americans turn to high-interest payday loans or pawn shops for access to capital. Lenders often allow people to use alternative forms of credit if they have a poor or low credit score so they can obtain the loan. However, high interest rates and additional fees can make these high-interest loans harder to pay off on time.

According to the Consumer Financial Protection Bureau , many people are unable to pay off these loans and end up having to either get another loan or roll over their loan for another period of time, which adds further fees.

Black-owned banks in Black communities can offer access to FDIC-insured checking and savings accounts, financial literacy programs, reasonable loans, and more.

Why has the Number of Black-owned Banks Dwindled Over the Years?

Like their non-minority peers, many Black-owned banks suffered during the Great Depression, though the damage was more severe because of their locations in lower-income communities hit hard by economic decline. There was a resurgence in Black banking in the 1960s and '70s, but the industry was again struck by economic decline in the 1980s and during the Great Recession in 2008.

As of December 2023, the 23 MDIs tracked by the FDIC (which insures banks) held about $8.5 billion in assets. It's a small percentage of the total industry, but a percentage nonetheless.

"The No. 1 reason for the sharp decline in Black banks has been lack of access to capital," James tells Insider. "Some of that has to do with small scale, being privately held, and the like. Also, our relative small scale has meant that our banks haven't been able to achieve the economies of other, larger banks, hampering our opportunities to grow and expand."

Banks can raise capital by providing a variety of services and products, like loans or bank accounts, and imposing fees. Since Black-owned banks primarily serve minority communities, these institutions aren't able to offer the same variety of products and services as national banks, and as a result, have more limited opportunities for access to capital.

Black-owned Banks FAQs

According to the FDIC, City First Bank and Liberty Bank & Trust are the two biggest Black-led banks as of the fourth quarter of 2023.

These banks and credit unions offer a range of personal and business banking services, including deposit accounts, online banking services, credit cards, retirement accounts, and mortgage lending.

To bank with most of these institutions, you need to either live in a certain state or open an account at a branch — so you can probably only bank with them if you live nearby. But there are a couple, such as OneUnited and Liberty Bank & Trust, that allow you to open an account online from anywhere in the United States.

Check out this list, of course, and read " Let Us Put Our Money Together: The Founding of America's First Black Banks ," a publication of the Federal Reserve Bank of Kansas City. If you want more information on MDIs, including those owned by Hispanic Americans, Asian Americans, and Native Americans, visit the webpage of the National Bankers Association. For historical data on MDIs (banks only), visit the FDIC's webpage .

The FDIC currently lists 23 Black-owned banks in their Minority Depository Institutions list. However, that does not include Black-owned credit unions.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington, DC West Virginia Wisconsin Wyoming

Alamerica Bank

Branches: 1 (Birmingham)

ATMs: Over 10,000 through Wells Fargo and MoneyPass nationwide

Services: Checking accounts, savings accounts, money market accounts, certificates of deposit, lines of credit, auto loans, construction loans, lot loans, online banking

Citizens Trust Bank

Branches: 2 (Birmingham, Eutaw)

ATMs: 2 (Birmingham, Eutaw)

Services: Checking accounts, savings accounts, certificates of deposit, money market accounts, individual retirement accounts, credit cards, home loans, personal loans, auto loans, home equity lines of credit, online banking, mobile banking

Commonwealth National Bank

Branches: 2 (Mobile)

ATMs: 1 bank-operated (Mobile) or any Publix Super Market ATM and PNC Bank ATM nationwide

Services: Credit builder certificate of deposit loans, individual retirement accounts, certificates of deposit, checking accounts, savings accounts, money market accounts, personal loans, home loans, vehicle loans, commercial loans, online banking, mobile banking

Community outreach: Commonwealth National Bank offers student scholarships and leadership development programs, and it supports organizations like the Boys & Girls Clubs of South Alabama.

Hope Credit Union

Branches: 2 (Montgomery) or any credit union in the Shared Branching Network

ATMs: 2 (Montgomery) or any credit union in the Shared Branching Network

Services: Checking accounts, savings accounts, individual retirement accounts, share certificates, money market accounts, personal loans, credit builder loans, home equity loans, vehicle loans, credit cards, home loans, savings/share certificate secured loans, signature loans, online banking, mobile banking, telephone banking

Community outreach: Hope Credit Union provides funding for affordable housing and healthy-food programs, as well as leadership training opportunities.

Liberty Bank

Branches: 2 (Montgomery, Tuskegee)

ATMs: 4 (Montgomery, Tuskegee)

Services: Checking accounts, savings accounts, individual retirement accounts, certificates of deposit, personal loans, home equity loans, home equity lines of credit, automobile loans, home loans, credit cards, debit cards, online banking, mobile banking, telephone banking

Community outreach: Liberty Bank sponsors local neighborhood sports and provides affordable housing.

Branches: 3 (College Station, Little Rock, West Memphis) or any credit union in the Shared Branching Network

ATMs: 3 (College Station, Little Rock, West Memphis) or any credit union in the Shared Branching Network

Community outreach: Hope Credit Union provides funding for affordable housing, healthy food programs, and leadership training opportunities.

City First Bank

Branches: 3 (Inglewood, Los Angeles)

ATMs: 3 (Inglewood, Los Angeles) or any one of over 55,000+ MoneyPass ATMs and Citibank ATMs nationwide

Services: Checking accounts, savings accounts, individual retirement accounts, certificates of deposit, money market accounts, online banking, mobile banking, telephone banking

OneUnited Bank

Branches : 2 (Los Angeles, Compton)

ATMs : 100,000+ free ATMs around the country, including both its own network and Allpoint ATMs, MoneyPass ATMs, Chase Bank branch ATMs, and CitiBank branch ATMs

Services : Checking accounts, savings accounts, certificates of deposit, credit cards, online banking, mobile banking, personal loans, home loans, multifamily loans, commercial real estate loans

Community outreach: OneUnited Bank provides contributions promoting financial literacy, affordable housing, and community development.

Connecticut

Branches : 1 (Miami)

Carver State Bank

Branches: 2 (Savannah)

ATMs: 1 (Savannah), along with 50,000+ MoneyPass and Wells Fargo ATM networks nationwide

Services: Checking accounts, savings accounts, money market accounts, individual retirement accounts, certificates of deposit, home loans, home equity lines of credit, personal loans, credit builder loans, commercial real estate loans, church financing, credit cards, debit cards, credit counseling, online banking, telephone banking

Community outreach: Carver State Bank, with community partners, has established a program to help low-income individuals and families become small business owners and graduates of post-secondary education programs. See more here .

Branches: 6 (Atlanta, East Point, South Fulton, Stonecrest, Stone Mountain)

ATMs: 6 (Atlanta, Decatur, Lithonia, Stonecrest, Stone Mountain)

Services: Checking accounts, savings accounts, credit cards, certificates of deposit, money market accounts, individual retirement accounts, home loans, personal loans, auto loans, home equity lines of credit, online banking, mobile banking

Credit Union of Atlanta

Branches: 1 (Atlanta)

ATMs: 3 (Atlanta) or any one of over 40,000 MoneyPass ATMs and any ATM in the STAR network

Services: Checking accounts, savings accounts, money market accounts, share certificates, individual retirement accounts, auto loans, secured loans, credit cards, home loans, home equity loans, signature loans, online banking, mobile banking, telephone banking

Community outreach : Credit Union of Atlanta sponsors a scholarship for students ages seven to 24 to support childrens' futures.

Unity National Bank

Branches: 1 (Atlanta)

ATMs: 1 (Atlanta) or any one of the ATMs in the Select ATM network

Services: Checking accounts, savings accounts, certificates of deposit, money market accounts, individual retirement accounts, auto loans, personal loans, credit cards, faith-based organizational loans, small business loans, commercial loans, commercial real estate loans, online banking, mobile banking

Community outreach : Unity National Bank financially supports agencies like the YMCA, YWCA, NAACP, and United Negro College Fund.

GN Bank

Branches: 2 (Chicago)

ATMs: Contact the bank for the nearest ATM

Services: Checking accounts, savings accounts, money market accounts, certificates of deposit, personal loans, auto loans, share loans, home loans, home equity loans, home equity lines of credit, business lines of credit, commercial real estate financing, credit cards, debit cards, online banking, mobile banking

Branches: 1 (Forest Park)

ATMs: 1 (Forest Park)

Community outreach: Liberty Bank sponsors local neighborhood sports and provides affordable housing.

Branches: 1 (Kansas City)

ATMs: 1 (Kansas City)

Branches: 1 (Louisville)

ATMs: 0

Branches: 2 (New Orleans) or any credit union in the Shared Branching Network

ATMs: 2 (New Orleans) or any credit union in the Shared Branching Network

Community outreach: Hope Credit Union provides funding for affordable housing and healthy-food programs, as well as leadership training opportunities.

Branches: 7 (Baton Rouge, New Orleans)

ATMs: 19 (Baton Rouge, New Orleans)

Andrews Federal Credit Union

Branches : 3 (Andrews Air Force Base, Suitland, Waldorf) and the branches in the CO-OP Shared Branch network

ATMs : 30,000+ free ATMS nationwide through the CO-OP ATM network

Services : Checking accounts, savings accounts, money market accounts, individual retirement accounts, share certificates, vehicle loans, personal loans, credit cards, gift cards, home loans, home equity loans, home equity lines of credit, homeowners insurance, investment program, early direct deposit, mobile banking, online banking, telephone banking, overseas branches

Community outreach: Andrews Federal Credit Union sponsors several charitable drives and programs for its local community, such as collecting school supplies for schools and students in the Washington, D.C. area and hosting toy drives, turkey giveaways, and adopt-a-family programs during the holidays.

Democracy Federal Credit Union

Branches : 1 (District Heights) and the branches in the CO-OP Shared Branch network

Services : Checking accounts, savings accounts, money management accounts, individual retirement accounts, share certificates, auto loans, home loans, personal loans, credit cards, home equity loans, home equity lines of credit, recreational vehicle loans, share secured loans, mobile banking, online banking, telephone banking

Industrial Bank

Branches : 2 (Forestville, Oxon Hill)

ATMs: 2 (Forestville, Oxon Hill) and any ATMs in the Allpoint network

Services: Checking accounts, savings accounts, money market accounts, individual retirement accounts, certificates of deposit, home loans, online banking, mobile banking, telephone banking, credit cards, debit cards, commercial loans

Community outreach : Industrial Bank provides free financial literacy courses every year and participates in community service.

Municipal Employees Credit Union of Baltimore

Branches: 9 (Baltimore, Catonsville, Dundalk, Pikesville, Randallstown) and the branches in the CO-OP Shared Branch network

ATMs: 9 (Baltimore, Catonsville, Dundalk, Pikesville, Randallstown) and over 30,000 additional no-fee ATMS nationwide through CO-OP ATMs and M&T ATMs

Services: Checking accounts, savings accounts, money market accounts, individual retirement accounts, share certificates, education savings accounts, auto loans, home loans, home equity loans, home equity lines of credit, personal loans, debit cards, credit cards, online banking, mobile banking, telephone banking, insurance products

Community outreach : MECU supports local nonprofits that work in arts and culture, youth empowerment, community development, and more.

SecurityPlus Federal Credit Union

Branches: 3 (Baltimore, Owings Mills) and over 6,400 shared branches

ATMs : 3 (Baltimore, Owings Mills) and ATMs in the Allpoint Network

Services: Checking accounts, savings accounts, money market accounts, individual retirement accounts, share certificates, education savings accounts, vehicle loans, home loans, home equity loans, home equity lines of credit, personal loans, secured loans, reloadable cards, online banking, mobile banking, insurance products

Community outreach : Securityplus is part of the HopeFul Market, a free farmers market for the homeless.

The Harbor Bank of Maryland

Branches: 8 (Baltimore, Randallstown, Silver Spring)

ATMs: 7 (Baltimore, Randallstown) and ATMs in the Allpoint network

Services: Checking accounts, savings accounts, money market accounts, individual retirement accounts, certificates of deposit, home equity loans, home equity lines of credit, installment loans, VIP loans, mobile banking, online banking, telephone banking, check card, ATM card

Massachusetts

OneUnited Bank

Branches : 3 (Boston, Dorchester, Roxbury)

First Independence Bank

Branches : 2 (Detroit)

ATMs : 6 (Clinton Township, Detroit) or any nationwide FIB, Fifth Third Bank, Huntington National Bank, US Bank, JPMorgan Chase Bank, Bank of America, Wells Fargo Bank, or Bremer Bank ATM

Services : Checking accounts, savings accounts, certificates of deposit, money market accounts, credit cards, debit cards, online banking, mobile banking, vehicle loans, home equity loans, home equity lines of credit, home loans, personal loans, CD loans

Community outreach: First Independence Bank has established a millennial advisory board and sponsored a youth basketball clinic and tournament.

Branches: 1 (Detroit)

ATMs: 1 (Detroit)

One Detroit Credit Union

Branches: 4 (Detroit, Highland Park) and the branches in the CO-OP Shared Branch network

ATMs: 2 (Detroit, Highland Park) and 30,000 additional no-fee ATMS nationwide through the CO-OP ATM network

Services: Checking accounts, savings accounts, individual retirement accounts, share certificates, money market accounts, personal loans, home equity loans, home equity lines of credit, vehicle loans, credit cards, home loans, credit builder loan, payday loans, bill consolidation loans, debit cards, ATM cards, online banking, mobile banking, telephone banking

Community outreach: One Detroit Credit Union sponsors gift and food drives to provide resources for families in need.

Branches : 2 (Minneapolis)

ATMs : Any nationwide FIB, Fifth Third, TCF, or Chemical Bank ATM

Community outreach: First Independence Bank has established a millennial advisory board and sponsored a youth basketball clinic and tournament.

Mississippi

Grand Bank for Savings

Branches: 1 (Hattiesburg)

ATMS: 1 (Hattiesburg) and any of the 40,000+ ATMs nationwide in the MoneyPass ATM Network

Services: Checking accounts, savings accounts, money market accounts, individual retirement accounts, certificates of deposit, early direct deposit, home loans, home equity lines of credit, online banking, mobile banking

Community Outreach: Grand Bank for Savings partners with local nonprofit organizations through its Giving Back Program.

Branches: 12 (Biloxi, Drew, Greenville, Itta Bena, Jackson, Louisville, Moorhead, Shaw, Terry, Utica, West Point) or any credit union in the Shared Branching Network

ATMs: 12 (Biloxi, Drew, Greenville, Itta Bena, Jackson, Louisville, Moorhead, Shaw, Terry, Utica, West Point) or any credit union in the Shared Branching Network

Jackson Area Federal Credit Union

Branches: 3 (Byram, Jackson, Clinton)

ATMs: Any ATM in the Dolphin ATM Alliance

Services: Savings accounts, individual retirement accounts, certificates of deposit, personal loans, auto loans, student loans, credit cards, insurance products, mobile banking, online banking

Branches: 1 (Jackson)

ATMs: 4 (Jackson)

ATMs: 1 (Kansas City)

St. Louis Community Credit Union

Branches: 15 (Benton Park, Ferguson, Florissant, Jennings, Richmond Heights, St. John, St. Louis, Sullivan, University City) and the branches in the CO-OP Connected Credit Unions network

ATMs: Any of the ATMs in the CO-OP Connected Credit Unions network

Services: Checking accounts, savings accounts, money market accounts, individual retirement accounts, share certificates, personal loans, home equity lines of credit, auto loans, recreational vehicle/power sports loans, payday saver loans, home loans, credit cards, debit cards, online banking, mobile banking, telephone banking

Community outreach: St. Louis Community Credit Union hosts a monthly community service effort to work with local charities.

New Hampshire

Branches : 3 (Burlington, McGuire Air Force Base, Mt. Laurel) and the branches in the CO-OP Shared Branch network

ATMs : 30,000+ no-fee ATMS nationwide through the CO-OP ATM network

Branches : 2 (Halsey Street, Parkview)

ATMs: 2 (Halsey Street, Parkview) and any ATMs in the Allpoint network

Carver Federal Savings Bank

Branches: 7 (Brooklyn, Jamaica, New York City)

ATMs: 3 (New York City) and ATMs in the Allpoint network

Services: Checking accounts, savings accounts, money market accounts, individual retirement accounts, landlord/tenant security accounts, debit cards, credit cards, wire transfers, online banking, mobile banking, telephone banking, installment loans, non-profit and faith-based lending, commercial real estate loans, small business loans

Branches : 1 (New York City)

ATMs: 1 (New York City) and any ATMs in the Allpoint network

Community outreach : Industrial Bank provides free financial literacy courses every year and participates in community service.

North Carolina

Mechanics & Farmers Bank

Branches: 8 (Charlotte, Durham, Greensboro, Raleigh, Winston-Salem)

ATMs: Approximately 44,000 ATMs nationwide in the Bank of America, JPMorgan Chase, and Wells Fargo networks

Services: Checking accounts, savings accounts, money market accounts, individual retirement accounts, certificates of deposit, health savings accounts, personal loans, home equity lines of credit, auto loans, credit cards, mobile banking, online banking

Community outreach: Mechanics & Farmers Bank hosts financial literacy workshops and workshops to help business owners and community members understand opportunities available during the pandemic.

North Dakota

Adelphi Bank

Branches: 1 (Columbus)

ATMs: 2

Services: Savings accounts, money market accounts, checking accounts, second chance bank accounts, CDs, auto loans, personal loans, business credit cards, business checking accounts, business savings accounts, equipment loans, construction loans, business lines of credit, commercial real estate loans

Warsaw Federal Savings and Loan Association

Branches: 3 (Cincinnati)

ATMs: Any of the 40,000+ ATMs nationwide in the MoneyPass ATM Network

Services: Checking accounts, savings accounts, money market accounts, health savings accounts, certificates of deposit, home loans, debit cards, business checking accounts, business savings accounts, commercial real estate loans, business lines of credit, online banking, mobile banking

First Security Bank & Trust

Branches: 1 (Oklahoma City)

ATMs: Any ATM in the the TransFund network

Services: Checking accounts, savings accounts, money market accounts, certificates of deposit, personal loans, home equity lines of credit, home loans, auto loans, commercial real estate loans, credit cards, debit/ATM cards, mobile banking, online banking, telephone banking

Pennsylvania

Branches : 1 (Philadelphia) and the branches in the CO-OP Shared Branch network

ATMs : 30,000+ no-fee ATMS nationwide in the CO-OP ATM network

Tioga-Franklin Savings Bank

Branches: 1 (Philadelphia)

Services: savings accounts, checking accounts, money market accounts, CDs, home loans, small business loans, commercial real estate loans, equipment loans, business checking accounts, business savings accounts, merchant services, payroll services

United Bank of Philadelphia

Branches: 2 (Philadelphia)

ATMs: 14 (Philadelphia)

Services: Checking accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts, credit building loans, small business loans, nonprofit and church loans, check cards, online banking, telephone banking, banking by mail

Community outreach: United Bank of Philadelphia provides financing to small businesses to spur job growth.

Rhode Island

South carolina.

Branches: 1 (Columbia)

ATMs: 2 (Columbia), any ATM in the Wells Fargo network for free

Services: Checking accounts, savings accounts, individual retirement accounts, certificates of deposit, money market accounts, auto loans, home loans, home equity lines of credit, lines of credit loans, small business loans, commercial real estate loans, online banking, mobile banking

Palmetto Health Credit Union

Branches: 5 (Columbia, Easley)

ATMs: 8 (Columbia, Easley) or any ATM in the CO-OP Branching Network

Services: Checking accounts, savings accounts, individual retirement accounts, share certificates, health savings accounts, auto loans, home loans, home equity lines of credit, line of credit loans, personal loans, student loans, online banking, mobile banking, telephone banking, debit cards, credit cards, insurance products

South Dakota

Citizens Savings Bank And Trust

Branches: 3 (Memphis, Nashville)

ATMs: 1 (Nashville) and you are reimbursed any fees from any ATM in the US or abroad

Services: Checking accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts, auto loans, credit cards, home loans, personal loans, debit cards, online banking, mobile banking

Branches: 4 (Memphis) or any credit union in the Shared Branching Network

ATMs: 4 (Memphis) or any ATM in the Shared Branching Network

Branches: 1 (Memphis)

ATMs: 1 (Memphis)

Branches: 2 (Houston, Missouri City)

ATMs: 2 (Houston, Missouri City) or any one of the ATMs in the Select ATM network

Branches : 2 (Alexandria, Springfield) and the branches in the CO-OP Shared Branch network

Branches : 2 (Alexandria) and the branches in the CO-OP Shared Branch network

Transit Employees Federal Credit Union

Branches : 1 (Alexandria) and the branches in the CO-OP Shared Branch network

ATMs : ATMs in the following networks : CO-OP, Star, CU24, Visa, Shared Branch, Transit Employees FCU

Services : Checking accounts, savings accounts, money market accounts, individual retirement accounts, share certificates, vehicle loans, loyalty loans, student loans, personal loans, signature loans, credit cards, gift cards, reloadable cards, home loans, home equity loans, home equity lines of credit, secured loans, insurance products, wire transfers, mobile banking, online banking

Washington, DC

Branches : 2 (Washington, DC) and the branches in the CO-OP Shared Branch network

Branches: 1 (Corporate Headquarters)

Branches : 4 (Washington, DC)

ATMs: 8 (Washington, DC) and any ATMs in the Allpoint network

Transit Employees Federal Credit Union

Branches : 1 (Washington, DC) and the branches in the CO-OP Shared Branch network

Services : Checking accounts, savings accounts, money market accounts, individual retirement accounts, share certificates, vehicle loans, loyalty loans, student loans, personal loans, signature loans, credit cards, gift cards, reloadable cards, home loans, home equity lines of credit, secured loans, insurance products, wire transfers, mobile banking, online banking

West Virginia

Columbia Savings and Loan Association

Branches: 1 (Milwaukee)

Services: Certificates of deposit, individual retirement accounts, home loans, church loans

Methodology: How Did Personal Finance Insider Choose the Banks and Credit Unions on This List?

Each bank we selected is an FDIC-designated minority depository institution. The FDIC defines an MDI as a bank in which "minority individuals own 51% or more of the voting stock, or a majority of the board of directors is a minority and the community that the institution serves is predominantly minority." We chose banks on the FDIC's official MDI list as of Q4 2023.

Each credit union we selected is an NCUA-designated minority depository institution. The NCUA defines an MDI as a credit union in which "more than 50% of its current members are minority individuals, more than 50% of its current and eligible potential members are minority individuals, and more than 50% of its current board members are minority individuals."

We narrowed down our list by setting 8,000 members as the minimum threshold for a credit union to be considered. You can find smaller credit unions that may be closer to you on this list .

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Banks’ responsibility for scams

The Electronic Fund Transfer Act provides important protections when consumers suffer unauthorized withdrawals from their accounts. For instance, so long as a person promptly notifies their bank that access to their account has been stolen, the law limits the person’s losses to $50. As the name suggests, the Electronic Fund Transfer Act applies to transfers initiated electronically, such as through a computer or mobile device.

In an ongoing case, Citibank has been sued by the state of New York for failing to respond adequately when people promptly told the bank that scammers had stolen money by initiating wire transfers from the consumers’ accounts online. The losses New York alleges people have suffered are serious: for example, New York alleges that one person discovered that a scammer had changed her online banking password, transferred money from her savings to her checking account, and then stole $40,000 via wire transfer—all through Citibank’s online banking platform. And New York alleges that instead of complying with the Electronic Fund Transfer Act’s protections in circumstances like these, Citibank looked to a law that was intended to govern transactions between commercial entities which does not provide the same level of consumer protection to victims of scams.

In response to New York’s allegations, Citibank has argued that the Electronic Fund Transfer Act doesn’t apply because the scammers ultimately used a wire transfer to take the money, and the Act contains an exemption for transfers made by banks “by means of” a wire service.

That’s incorrect, as the Consumer Financial Protection Bureau (CFPB) explained in a Statement of Interest (amicus brief) submitted yesterday. When a bank connects wire transfer capabilities to its online consumer banking platform and a person authorizes (or a scammer purports to authorize) a transfer online, the Electronic Fund Transfer Act applies to the transaction except for the bank-to-bank portion of it.

The CFPB will keep working to ensure that banks and other financial institutions meet their legal obligations, including protecting people from scammers.

The case is New York v. Citibank N.A. , No. 1:24-cv-00659-JPO (S.D.N.Y).

Read CFPB’s Statement of Interest .

If you have had a problem with a bank’s handling of your checking or savings account, you can submit a complaint with the CFPB .

Join the conversation. Follow CFPB on X (formerly Twitter) and Facebook .

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Help & support

Travel Money Card: How to manage multiple currencies

If your holiday is looking more like a round the world tour, then you’re going to want to look at loading multiple currencies on to your Travel Money Card.

A Travel Money Card lets you lock in exchange rates for multiple currencies onto one card, so you can easily manage and access your money while you’re overseas.

How does a Travel Money Card work?

If you’re in a country that uses a currency you’ve already loaded on your card, that currency will automatically be used for any purchases or withdrawals you make with your card.

If you’re in Europe, for example, and you have Euros, United States Dollars and New Zealand Dollars loaded on your Travel Money Card, your Euros will automatically be used as the local currency, provided you have enough in that currency for your transaction.

If you don’t have enough, the next currency in your currency order with a sufficient balance will be used. For example:

You have 20 Euros (EUR) and 100 New Zealand Dollars (NZD) left on your Travel Money Card and are paying for a meal costing 30 EUR. Since you have insufficient EUR for the full transaction, but sufficient funds in NZD, your Travel Money Card will automatically convert NZD into the equivalent of 30 EUR to pay for your meal (leaving the original 20 Euros on your card), instead of declining the transaction.

With our Travel Money Card , you can easily load up to 13 currencies online:

United States Dollars (USD)
Euros (EUR)
Great British pounds (GBP)
Australian Dollars (AUD)
Japanese Yen (JPY)
New Zealand Dollars (NZD)
Hong Kong Dollars (HKD)
Canadian Dollars (CAD)
Singapore Dollars (SGD)
Thai Baht (THB)
Vietnamese Dong (VND)
Chinese Renminbi (CNY)
Emirati Dirham (AED)

If we need to automatically transfer money between the currencies on your card to complete a transaction, we'll use the Visa exchange rate at the time of conversion, plus a margin. The margin is subject to change from time to time. For the current margin, see Travel Money Card fees and charges .

To avoid additional fees, always make sure your card is topped up with the local currency by reloading in NetBank or the CommBank app.

Set the currency order on your card

If you have multiple currencies loaded on your card, even though the local currency for where the transaction takes place will automatically be used (assuming you have the currency loaded on your card and sufficient local funds), you may want to set your own order for the currencies loaded on your card. This is especially important if you reload your card via BPAY ® , because the funds will automatically go to the first currency in order.

This is the default currency order which you can change:

To find out more about setting the order of currencies on your card, or to change your current order, log on to NetBank or call (+61) 1300 660 700.

What to do in an emergency

Lock, Block, Limit your CommBank credit card or lock your Travel Money Card for added security
Cancel and order replacement CommBank cards in NetBank or the CommBank app
Call us 24/7 on +61 2 9999 3283 to report lost or stolen CommBank cards

For 24-hour travel insurance emergency assistance, call Cover-More in Australia direct and toll free on +61 2 8907 5641. You can also call from:

Canada on 1844 345 1662
New Zealand on 0800 632 031
UK on 0808 234 3737
USA on 1844 345 1662

Charges apply if calling from a pay phone or a mobile phone.

Take your next step

Order a Travel Money Card online

Things you should know

This article is intended to provide general information of an educational nature only. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product advice. Insurance issued and managed by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia (‘CBA’) (ABN 48 123 123 124, AFSL 234945). CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate. Terms, conditions, exclusions, (including for pre-existing medical conditions and persons aged 80 years or over for international travel insurance included with an eligible CommBank credit card or persons aged 74 years or over for CBA Travel Insurance) limits and excesses apply. Before making a decision, refer to the relevant Product Disclosure Statement for full conditions at commbank.com.au. You need to activate your international travel insurance included with eligible CommBank credit cards before each trip in order to have comprehensive level of cover. If you don’t activate, you’ll receive personal liability cover and overseas emergency medical assistance and overseas emergency medical and hospital expenses cover only. We (CBA) do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase or upgrade a policy, we (CBA) receive a commission which is a percentage of your premium.

'ZDNET Recommends': What exactly does it mean?

ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. And we pore over customer reviews to find out what matters to real people who already own and use the products and services we’re assessing.

When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. Neither ZDNET nor the author are compensated for these independent reviews. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers.

ZDNET's editorial team writes on behalf of you, our reader. Our goal is to deliver the most accurate information and the most knowledgeable advice possible in order to help you make smarter buying decisions on tech gear and a wide array of products and services. Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards. If we have made an error or published misleading information, we will correct or clarify the article. If you see inaccuracies in our content, please report the mistake via this form .

The best AirTag you can buy for your wallet isn't made by Apple (and it's rechargeable)

ZDNET's key takeaways

The Nomad Tracking Card uses Apple's Find My network to help you keep tabs on where your wallet is. It's priced at $40 and launches today.
It's a sleek tracker that's only the width of two credit cards, and the battery lasts for five months.
However, be aware that it requires a wireless charger.

If you're like me, and you still carry around a physical wallet with your cards, cash, and IDs, chances are you're pretty careful about ensuring you don't lose it. Of course, that's easier said than done, especially if you already have a habit of misplacing things like your phone and need to fire up an app to locate where you left it.

Also: The best AirTag wallets you can buy: Expert recommended

Fortunately, if you're a forgetful person or simply someone who always wants to know where their wallet is, Nomad has the solution: a Tracking Card . Available starting today for $40, the card is Nomad's take on an AirTag for your wallet.

Most companies have developed what are effectively holsters for AirTags that, when attached to your wallet, let you know where your wallet is at all times through the Find My app. That approach, however, is clumsy and bulky; the tag noticeably protrudes from your wallet, and you often need to buy a new wallet anyway as the holsters are built into the wallet itself -- not as a simple attachment.

With the Tracking Card, all you need is room in your current wallet for a card that's about the width of two credit cards stacked on top of each other. I slotted mine in the back of the Card Wallet Plus that Nomad sent me a while ago, and it fit like a charm.

When you take the card out of its packaging, you're prompted to press and hold a button. This triggers the setup process and lets you pair it with your Apple account. From there, you simply open the Find My app on your iPhone and add a new device. The card will pop up as "Nomad Card" on the lower half of your screen. Tap the Connect button, give your card a name and an emoji, and you'll be good to go.

Also: How to find out if an AirTag is tracking you

You can easily find your card through the Find My app, just like you would with any AirTag or third-party accessory that works with Find My. You can even ring the device to locate your wallet, although the ring itself isn't very loud.

One of the best features of the Tracking Card is the battery. Nomad included a rechargeable battery that lasts up to five months on a single charge. When it's time to recharge, you drop it on any Qi or MagSafe wireless charger and a green light will appear when it's full. This means you won't need to worry about replacing the battery or plugging it in with your phone charger to juice back up.

Nomad even points out that you can use a standing MagSafe charger to recharge the Tracking Card; while there are no magnets in the card itself (which… thank God, because your credit cards would be destroyed), there's enough metal that allows the card to hang onto the charger. I tried it myself, and it worked like a charm.

The card looks boring from a distance, but if you come close, you'll see its internals outlined to add a bit of character. This gives off a futuristic vibe, and I'm totally here for it. You won't be looking at the card all that often, but when you do, you'll at least have something cool to see.

Also: The best GPS trackers for kids in 2024: Expert recommended

Nomad's Tracking Card isn't the only one out there that works with the Find My network. There are options from Chipolo and Pebblebee that are often $5 to $10 cheaper. You'll need a wireless charger if you want to use the Tracking Card, which might be a dealbreaker for some who refuse to ditch the cable.

ZDNET's buying advice

Nomad's Tracking Card is a solid tracker that I'll be using regularly to keep tabs on my wallet. It's sturdy, has a cool design, works seamlessly with my iPhone, and can be juiced up with the charging station I have on my desk. What more do you need?

You can buy the Nomad Tracking Card directly on its website for $40.

Featured reviews

This anker power bank has a genius feature that makes it irreplaceable for me, this 3-in-1 magsafe charger is my new favorite travel accessory (and it supports qi2), i've tried many smart locks, but the one i keep on my door is $160 with this deal.

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Best travel credit cards of June 2024

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Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.

• Rewards credit cards
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Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score.

• Credit cards
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Stephanie Zito is a professional traveler, self-employed humanitarian consultant and collector of credit card points. She shares savvy travel tips that she’s learned firsthand circling the globe for more than 25 years. She’s a backpacker, expect and premium traveler who’s visited more than 130 countries and all seven continents. Her life motto is “See the world, change the world, have fun doing it!” and her mission is to inspire others along the journey.

The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for how we make money.

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Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

Travel credit cards help you earn valuable points and miles on your purchases. For maximum value, some cards earn rewards not only on travel, but also everyday purchases like dining, groceries and gas. You can redeem these rewards for free or discounted flights, hotel stays or to cover other travel-related expenses.

The best travel cards also come with additional features. Even no-annual-fee travel cards are likely to offer perks like sign-up bonuses, intro APR offers and travel insurance. But for top-of-the-line benefits like airport lounge access, elite status and travel credits, expect to pay an annual fee.

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Bankrate's Best Travel Credit Cards of June 2024

Best starter travel card: Chase Sapphire Preferred® Card
Best for flat-rate rewards: Capital One Venture Rewards Credit Card
Best for luxury travel: The Platinum Card® from American Express
Best for no annual fee: Capital One VentureOne Rewards Credit Card ( See Rates & Fees )
Best for foodies: American Express® Gold Card
Best for everyday spending: Citi Strata Premier℠ Card
Best for intro APR: Bank of America® Travel Rewards credit card
Best for point values: Chase Sapphire Reserve®
Best for practical perks: Capital One Venture X Rewards Credit Card
Best for pairing: Chase Freedom Unlimited®
Best for hotel bookings: Wells Fargo Autograph Journey℠ Card
Best no-annual-fee hotel card: Hilton Honors American Express Card
Best luxury hotel card: Marriott Bonvoy Brilliant® American Express® Card
Best for transfer partners: Bilt Mastercard®
Best for gas: Wells Fargo Autograph℠ Card
Best for companion tickets: Delta SkyMiles® Platinum American Express Card
Best starter airline card: Southwest Rapid Rewards® Plus Credit Card
Best for expedited security screening: Bank of America® Premium Rewards® credit card
Best for first-year value: Discover it® Miles
Best for fair credit: Credit One Bank Wander® Card
What to know about travel credit cards
Tips for choosing the best travel card

Travel credit card perks

How do credit card points and miles work.

Expert advice on travel cards

How we assess the best travel credit cards

Frequently asked questions
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Best starter travel card

Chase Sapphire Preferred® Card

Bankrate score

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Intro offer

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program , showing you how much your points or miles are worth in dollars.

Rewards rate

5x on travel purchased through Chase Travel℠. 3x on dining, select streaming services and online groceries. 2x on all other travel purchases. 1x on all other purchases.

Regular APR

5x 5x on travel purchased through Chase Travel℠.
3x 3x on dining, select streaming services and online groceries.
2x 2x on all other travel purchases.
1x 1x on all other purchases.

What we love: This popular card comes loaded with features that can make it easy even for occasional travelers to offset the modest $95 annual fee without eating into hard-earned rewards. Plus, its rewards program is one of the best, giving you some of the most valuable travel redemptions — through both Chase and transfer partners — and Chase card pairing opportunities if you want to build your card portfolio eventually. Learn more: Why expert Margaret Weck loves using the Chase Sapphire Preferred Alternatives: If you’re looking for an even simpler travel card, the Capital One Venture Rewards Credit Card is a terrific option. Its flat rewards rate makes it easy to know exactly how much you’ll earn with every purchase and though it can’t match the Sapphire Preferred’s redemption flexibility, it offers more redemption options than the typical travel rewards card.

You earn Ultimate Rewards points with this card — some of the most valuable and flexible rewards around, especially if you pair it with Chase’s cash back cards in the future.
The card touts significant long-term benefits like anniversary bonus points and travel credits, as well as travel protections like trip cancellation insurance and a car rental collision damage waiver.
Doesn’t offer airline- or hotel-specific perks like free checked bags, elite status or free night stays.
The sign-up bonus is decent, but the card has previously offered higher, chart-topping bonus points.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 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

Best for flat-rate rewards

Capital One Venture Rewards Credit Card

New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

5 Miles per dollar on hotels and rental cars booked through Capital One Travel 2 Miles per dollar on every purchase, every day

2 Miles - 5 Miles

5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
2 Miles 2 Miles per dollar on every purchase, every day

What we love: It’s a great option for travelers looking for a straightforward rewards program and flexible redemption options. You'll earn unlimited miles on all eligible spending and can redeem not only for travel bookings, but also as a statement credit to cover travel purchases made in the past 90 days. Learn more: Why expert Jacqueline DeMarco loves the Capital One Venture Rewards Credit Card Alternatives: The Chase Sapphire Preferred® Card offers a higher rewards rate in some everyday spending categories and potentially more valuable points. Chase points are worth 1.25 cents each if you redeem for travel through Chase, while Capital One miles are only worth 1 cent each when you redeem for travel. Plus, Chase rewards are more helpful for occasional travelers since you can redeem as cash back at 1-cent-per-point value.

Carries solid perks given its low annual fee, including expedited airport purchase security and hotel experience credits, lost luggage reimbursement and more.
Zero foreign transaction fees make this an excellent choice for international travelers.
You can’t offset the annual fee with annual travel credits or bonuses alone as you can with some rival cards.
The card’s sign-up bonus carries a high spending requirement, so it may be tough to earn if you don’t have large purchases on the horizon.
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

Best for luxury travel

The Platinum Card® from American Express

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

What we love: Luxury travelers and big spenders will appreciate the bevy of travel benefits, including annual statement credits worth around $1,700, elite hotel loyalty status and access to perhaps the most comprehensive airport lounge access available with a credit card. Learn more: Why expert Holly Johnson loves the Platinum Card® from American Express Alternatives: The Capital One Venture X Rewards Credit Card offers a taste of luxury at a lower cost than many premium travel cards. You can unlock a generous rewards rate on both travel and general purchases, complimentary access to popular airport lounge memberships and valuable annual travel credits and anniversary miles.

Comes with a generous welcome offer and a longer time period to earn it compared to most rewards cards.
A robust line-up of airline and hotel partners and related perks make this card truly valuable for travelers.
The $695 annual fee may not be worth it if you don’t spend much on travel frequently or can’t take full advantage of the card’s luxury — and often niche — perks.
Redeeming and maximizing the card’s credit and benefits requires some legwork and can be a bit confusing.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$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.
$695 annual fee.
Terms Apply.

Best for no annual fee

Capital One VentureOne Rewards Credit Card

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

5 Miles per dollar on hotels and rental cars booked through Capital One Travel 1.25 Miles per dollar on every purchase, every day

1.25 Miles - 5 Miles

1.25 Miles 1.25 Miles per dollar on every purchase, every day

What we love: This card offers some of the same advantages as the Capital One Venture, without the burden of an annual fee. It gives you the chance to earn flat-rate miles on your everyday spending and the option to transfer miles to over 15 loyalty program partners to even cover travel purchases outside Capital One — a unique level of redemption flexibility for a starter travel card. Learn more: Reasons to get the VentureOne Rewards Card Alternatives: A general-purpose flat-rate credit card that offers 2X points or 2 percent cash back on all purchases may bring more value if you don’t travel often and aren’t ready to upgrade to a travel rewards credit card with an annual fee. However, the Discover it® Miles earns a flat-rate 1.5X miles that can also be redeemed for cash back at 1-cent per mile, which is unusual for travel rewards.

The welcome offer is generous for a no-annual-fee travel credit card.
Booking hotel stays and rental cars through Capital One Travel nets you an impressive 5X miles.
Unlike several no-annual-fee travel cards, redeeming for non-travel purchases waters down your rewards’ value.
Capital One has no major U.S. carrier in its line-up of travel partners.
$0 annual fee and no foreign transaction fees
Earn unlimited 1.25X miles on every purchase, every day
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Best for foodies

American Express® Gold Card

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

What we love: Few credit cards are more rewarding for traveling foodies than the American Express Gold Card. Both the food-related annual credits and the rewards rates at restaurants, U.S. supermarkets and on flights booked directly with airlines or via the Amex travel portal are some of the best on the market. In fact, the up to $240 in credits each year alone nearly make up for the annual fee. Learn more: Why the Amex Gold is worth the annual fee Alternatives: If the Amex Gold Card’s annual fee sounds high, consider the Chase Sapphire Preferred® Card . It carries key travel perks, high travel and dining rewards rates, and a much lower annual fee.

This card features one of the best rewards return rates available on dining, groceries and food deliveries.
There is no preset spending limit, so you can enjoy extended purchasing power, and you also have the option to pay off purchases with Pay Over Time if necessary.
Although the card touts a solid collection of travel perks, it doesn’t include popular premium card perks like airport lounge access or trip cancellation/interruption insurance.
Only eligible airfare earns more than 1X points, while rival cards often earn similar (or higher) reward rates on hotel stays and other travel purchases as well.
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$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.
Annual Fee is $250.

Best for everyday spending

Citi Strata Premier℠ Card

Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. Earn 1 Point per $1 spent on all other purchases

10X Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
3X Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
1X Earn 1 Point per $1 spent on all other purchases

What we love: This card’s high rewards rate in everyday bonus categories makes it an especially good choice for occasional travelers and people looking for a standalone rewards card. Its practical bonus categories mean you can earn rewards quickly, even if you don’t actually spend a ton on travel. Alternatives: As long as you don’t mind buying groceries online, the Chase Sapphire Preferred® Card could be an even more lucrative everyday rewards card. That’s thanks mostly to its high point redemption value (1.25 cents per point when you use points to book travel with Chase, versus just 1 cent per point when you book with Citi using the Strata Premier).

It’s one of the only travel cards that offers a high rewards rate on groceries, dining and gas, so it should work well whether it’s your standalone card or just one part of your card stack.
Its annual hotel benefit carries enough value to potentially offset the annual fee on its own.
The annual hotel benefit, though generous, isn’t very flexible: You’ll only get the $100 discount if you book a single hotel stay of $500 or more (excluding taxes and fees) through CitiTravel.com.
Based on Bankrate’s latest point and mile valuations, Citi ThankYou rewards carry a lower average redemption value than Chase, Amex and Capital One rewards.
Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases

Best for intro APR

Bank of America® Travel Rewards credit card

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.
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.
1.5X 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.

What we love: This entry-level travel card keeps things simple for occasional travelers. It offers simple flat-rate rewards and lets you redeem for a broad mix of travel options not typically available on many travel cards, such as cash back toward purchases with travel agencies, zoos, art galleries and more. It’s even more valuable if you’re a Bank of America customer and can qualify for a rewards boost through the Bank of America Preferred Rewards® program. Learn more: Is the Bank of America Travel Rewards card worth it? Alternatives: The Capital One VentureOne Rewards Credit Card is another great starter travel card, but, unlike many cards in this category, it lets you transfer your miles to airline and hotel partners, potentially for a higher redemption value.

Its easy-to-earn sign-up bonus and intro APR offers give this card good short-term value.
No annual fees or foreign transaction fees sweeten this offer.
It only offers 1.5X points on purchases, and you can’t transfer points can’t to airline partners for more rewards value, so it may not be as lucrative as competing cards.
The top tiers of the Bank of America Preferred Rewards® program may be out of reach for many cardholders.
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 19.24% - 29.24% 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.

Best for point values

Chase Sapphire Reserve®

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.

10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
5x Earn 5x total points on flights through Chase Travel℠.
3x Earn 3x points on other travel and dining.
1x Earn 1 point per $1 spent on all other purchases.

What we love: Rewards-savvy travelers will be hard-pressed to find a card with better rewards potential than the Sapphire Reserve. Points are worth 50 percent more through Chase Travel, and potentially more with the right transfer partner. It’s a stellar partner for Chase’s cash back cards and stacks on even more value with enough perks to recoup the annual fee without relying on hard-earned rewards. Learn more: Why expert Holly Johnson loves the Chase Sapphire Reserve Card Alternatives: The Capital One Venture X Rewards Credit Card offers some of the same key perks as the Sapphire Reserve at a much lower cost. Along with a generous rewards rate on both Capital One Travel and general purchases, the card boasts valuable, practical benefits like competitive airport lounge access , up to $300 in annual Capital One Travel credits and 10,000 bonus miles every year on your account anniversary.

You can kickstart your rewards bank with one of the most valuable sign-up bonuses on the market.
Its top-tier benefits include up to $300 in annual travel statement credits, Priority Pass airport lounge access, exhaustive travel protections and stand-out partner perks.
The card’s cost could be a deterrent for some new cardholders, especially if they plan on encountering adding multiple authorized users.
You won’t get as many luxury hotel and airport lounge perks with this card as you would with some of its rivals.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.
$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 Travel℠ 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 Travel℠. For example, 75,000 points are worth $1125 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®

Best for practical perks

Capital One Venture X Rewards Credit Card

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

10 Miles per dollar on hotels and rental cars booked through Capital One Travel 5 Miles per dollar on flights booked through Capital One Travel 2 Miles per dollar on every purchase, every day

2 Miles - 10 Miles

10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles 5 Miles per dollar on flights booked through Capital One Travel

What we love: This is the perfect middleground for travelers who want the practical benefits from luxury travel cards without dealing with bloated features and an annual fee upwards of $500. It offers complimentary lounge access, high-earning bonus rewards categories, anniversary credits and bonus miles, which can easily make the card worth it for frequent travelers. Learn more: Capital One Venture X Benefits Guide Alternatives: If a higher annual fee is no issue, consider The Platinum Card® from American Express. It’s a top choice for frequent travelers thanks to its impressive welcome offer and luxury perks like annual travel credits, lounge access and hotel elite status. However, the Chase Sapphire Reserve® may be better if your luxury travel experience calls for racking up more rewards.

Offers anniversary bonus miles and a chance to earn credits worth hundreds of dollars starting at your first account anniversary.
Comes with complimentary lounge access at over 1,300 lounges for you and two guests per visit.
To earn the anniversary credit, travel must be booked through the Capital One Travel portal. That’s not as flexible as some other cards, which offer credits that cover any travel purchases, regardless of how you book.
Lacks some perks found on other premium travel cards like airline or hotel elite status, which can get you benefits like free checked bags or room upgrades.
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

Best for pairing

Chase Freedom Unlimited®

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service 1.5% on all other purchases

5% Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
1.5% 1.5% on all other purchases

What we love: Not only does it earn 1.5 percent cash back on general spending, but it also has a bonus cash back rate for drugstores and dining at restaurants. And if you pair it with one or two premium Chase travel cards, you could pool your rewards for better travel redemption value. Learn more: Why I love the Chase Freedom Unlimited Alternatives: If you want to take advantage of even more rewarding cash back categories and remain in the Chase family, consider the Chase Freedom Flex℠ .

You can pool rewards with other Chase cards to maximize your earnings.
The additional rewards rate offer can add even more cash back to your pocket for the first year.
The welcome offer isn’t as competitive as other cards’ offers.
Maximizing rewards with this and other Chase cards can get complicated for people who like simple rewards programs.
Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Best for hotel bookings

Wells Fargo Autograph Journey℠ Card

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Earn unlimited 5X points on hotels Earn unlimited 4X points on airlines Earn unlimited 3X points on other travel and restaurants Earn 1X points on other purchases

5X Earn unlimited 5X points on hotels
4X Earn unlimited 4X points on airlines
3X Earn unlimited 3X points on other travel and restaurants
1X Earn 1X points on other purchases

What we love: It offers a great rewards rate on hotel bookings and gives you a chance to earn a $50 annual statement credit with a $50 minimum airline purchase. Add in a solid rate on airline purchases, other travel and restaurants and this card carries great value as a standalone mid-tier card for occasional travelers. Alternatives: If you want to earn travel rewards but don’t actually spend much on hotels and airfare, the lower-tier Wells Fargo Autograph℠ Card is also worth a look. Though it earns also rewards on travel, it boasts a great mix of other practical everyday categories (including gas stations).

You can transfer points to Wells Fargo’s new list of airline and hotel partners, including popular programs like British Airways Executive Club, Choice Privileges and more, which could boost the redemption value of your rewards.
The $50 annual statement credit offsets more than half the card’s $95 annual fee and should be a cinch to earn if you fly at least once per year.
Wells Fargo only offers one other card that earns travel rewards (the Autograph), and there is some category overlap between the two, so they may not be as lucrative as some competing card stacks.
The card doesn’t carry some popular travel perks available on other mid-tier travel cards, such as credits for expedited airport security screening or rideshares.
Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
$95 annual fee.
Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
Earn a $50 annual statement credit with $50 minimum airline purchase.
Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Best no-annual-fee hotel card

Hilton Honors American Express Card

Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card.

7X Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
5X Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3X Earn 3X Points for all other eligible purchases on your Card.

What we love: This card earns rewards in a terrific mix of everyday bonus categories, so it should be easy to rack up Hilton points even if you don’t spend a ton on hotel bookings. Since it charges no annual fee and provides a few Hilton Honors benefits like Silver status, it’s also a great fit if you’re new to hotel cards and want a single no-annual-fee option instead of juggling multiple rewards cards. Learn more: Why expert Holly Johnson loves the Hilton Honors American Express Card Alternatives: The American Express® Green Card could be more flexible since it lets you earn and redeem rewards on a much wider variety of travel purchases, including airfare and bookings with several hotel brands, not just Hilton. You can transfer points to the Hilton Honors program as well, but the Hilton Honors American Express Surpass® Card may be better if you prefer upgraded Hilton-specific rewards, loyalty status and other perks.

Comes with automatic Silver Elite status, which includes a free fifth award night when you book at least four consecutive nights with points.
Earns rewards in three of the average person’s biggest spending categories, making it a terrific standalone option for earning Hilton points.
A higher-tier Hilton card would earn more on Hilton bookings and could be more lucrative for frequent guests, even with an annual fee.
You can only redeem points with Hilton and its partners, which limits the rewards value you earn on the everyday categories compared to a general-purpose cards’ rewards.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Points for all other eligible purchases on your Card.
Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
No Annual Fee.

Best luxury hotel card

Marriott Bonvoy Brilliant® American Express® Card

Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy® 3X points at restaurants worldwide and on flights booked directly with airlines 2X points on all other eligible purchases

6X Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®
3X 3X points at restaurants worldwide and on flights booked directly with airlines
2X 2X points on all other eligible purchases

What we love: Frequent Marriott guests looking for luxury card-level perks and elite status should be able to justify this premium card. Along with a terrific rewards rate on Marriott bookings and an annual free night award, you could enjoy generous annual credits for restaurant purchases and Marriott property stays, airport lounge access, elite night credits and more. Learn more: Best Marriott credit cards Alternatives: If you’re looking for top-tier travel perks but want the flexibility to earn and redeem rewards for stays at any hotel chain, consider an elite travel card from Chase or Amex, which can come with generous travel benefits, airport lounge access and the ability to transfer points to Marriott. The Capital One Venture X Rewards Credit Card is another lucrative alternative.

Outperforms other Marriott cards with its boosted rewards on travel-related categories and 21X points at Marriott Bonvoy hotels, thanks to the automatic Platinum Elite status.
It’s one of the only hotel cards that includes complimentary Priority Pass lounge access, top travel protections and credits for expedited airport security screening.
Unlocking some of the card’s best perks — like Five Suite Night Awards — requires a $60,000 annual spend, which may be tough to reach even for frequent Marriott guests.
Unless luxury perks are at the top of your wishlist, the annual fee may not be worth it and a lower-tier hotel card may offer more value overall.
$300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
No Foreign Transaction Fees on international purchases.
With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
$650 Annual Fee.

Best for transfer partners

Bilt Mastercard®

Intro offer is not available for this Wells Fargo credit card.

3x points on dining 2x points on travel 1x points on other purchases Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

1X Points - 3X Points

3X Points 3x points on dining
2X Points 2x points on travel
1X Points 1x points on other purchases
1X Points Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

What we love: Not only is this card is a terrific choice for renters since it earns rewards and waives transaction fees when using it to pay rent, it’s also great for rewards strategists considering the extremely robust travel rewards program. You can earn rewards on travel and dining and your points carry a high value whether you redeem through the Bilt travel portal or one of the many airline and hotel transfer partners. Alternatives: If you like the Bilt card’s travel rewards program but don’t see yourself renting long term, consider the Chase Sapphire Preferred® Card. It earns generously on both travel and dining and also boasts high-value points and transfer partners. If the way you pay rent doesn’t incur credit card payment fees, a flat-rate card may also be worth weighing.

It’s the only card that helps you avoid the fees typically associated with paying rent with a credit card.
Offers a solid collection of travel perks for a no-annual-fee card, including trip cancellation and interruption protection, trip delay reimbursement and other high-level travel protections.
You can only use rewards to cover rent, toward a future home down payment or for travel and shopping. Cash back isn’t an option.
There is no sign-up bonus. Most competing travel cards — even those with no annual fee — offer at least a $200 bonus.
$0 Annual Fee.
Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
2x points on travel.
3x points on dining.
1x points on other purchases.
Earn points when you make 5 transactions that post each statement period.
When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.

Best for gas

Wells Fargo Autograph℠ Card

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases

3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

What we love: The Wells Fargo Autograph card is a great option for occasional travelers and households on the go looking to earn rewards while avoiding an annual fee and reduced redemption value for cash rewards. It’s one of a few entry-level travel cards to offer high, year-round bonus rewards for gas, dining, transit and other key travel needs. Learn more: Is the Wells Fargo Autograph worth it? Alternatives: If you’re looking for ways to maximize the value of your rewards, you should consider a travel card that lets you transfer your points to airlines or hotels, like the Bilt Mastercard® or Chase Sapphire Preferred® Card.

While some issuers only reward travel purchases made directly with airlines or through issuer portals, this card lets you shop around for the best deal on third-party travel sites and still earn extra rewards.
Carries decent perks such as rental car collision damage waiver coverage, roadside assistance and Visa Signature® Concierge benefits, like access to Visa’s Luxury Hotel Collection (terms apply).
Unlike with traditional travel cards, you cannot transfer your points to airlines or hotels
The travel perks and intro APR are weak compared to competing travel-oriented cards’ offers.
Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

Best for companion tickets

Delta SkyMiles® Platinum American Express Card

Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership.

Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.

3X Earn 3X Miles on Delta purchases and purchases made directly with hotels.
2X Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
1X Earn 1X Miles on all other eligible purchases.

What we love: The annual companion certificate on Main Cabin domestic flights (taxes and fees apply) comes with this card after the first year is valuable enough to justify the annual fee even if you’re just looking for great Delta perks to make travel smoother with a partner. Plus, the companion certificate is easier to obtain than other airline cards’ since it carries no spending requirement that must be met beyond the card’s annual fee. Alternatives: The American Express® Green Card could be a great alternative since it charges a lower $150 annual fee, lets you earn and redeem rewards on travel with any eligible airline (not just Delta) and offers credits for Loungebuddy lounge access and Clear Plus. You can even transfer points to Delta at a 1:1 ratio.

Boasts several valuable travel perks, including priority boarding, a free first checked bag and specialized annual credits for select rideshare services and reservations with Delta Stays and Resy.
Gets you closer to Medallion Status and discounts on in-flight purchases, complimentary upgrades, and more.
Its rewards rate on non-travel purchases is lacking — a general-purpose travel card could potentially offer better rewards value and flexibility for rewards travel outside Delta.
No longer offers complimentary Delta Sky Club lounge access as of this year, although airport lounge access is a staple perk for premium travel cards.
Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
Delta SkyMiles® Platinum American Express 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.
Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
$120 Resy Credit: With the Delta SkyMiles® Platinum American Express Card Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
$120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card. Enrollment Required.
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.
Fee Credit for Global Entry or TSA PreCheck®: Receive $100 back for Global Entry or up to $85 back for TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
$350 Annual Fee.

Best starter airline card

Southwest Rapid Rewards® Plus Credit Card

Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 1X points on all other purchases.

2X Earn 2X points on Southwest® purchases.
2X Earn 2X points on local transit and commuting, including rideshare.
2X Earn 2X points on internet, cable, and phone services; select streaming.
2X Earn 2X points on Rapid Rewards® hotel and car rental partners.
1X Earn 1X points on all other purchases.

What we love: This card’s anniversary bonus offers enough value to nearly offset the annual fee on its own, so it should be a terrific low-stakes option whether you’re new to airline cards or a regular Southwest flyer looking for a low-maintenance card. Plus, its sign-up bonus value is on par with the value you’ll get with much pricier airline and travel cards. Learn more: Southwest Rapid Rewards Plus benefits guide Alternatives: The Southwest Rapid Rewards® Priority Credit Card could offer better value overall, despite its $149 annual fee. It carries an annual $75 Southwest travel credit and 7,500 bonus points each year on your account anniversary — more than enough value to justify the higher fee.

You’ll automatically earn 3,000 Rapid Rewards points each year after your account anniversary, which could offset much of the card’s already-low annual fee.
Delivers the same hefty sign-up bonus as higher-tier Southwest cards.
Unlike several travel cards, it doesn’t carry rewards categories for popular everyday purchases like gas or dining.
It may not be the best Southwest value for frequent flyers since it poses a 3 percent foreign transaction fee and doesn’t offer perks like upgraded boardings or elite status benefits.
3,000 anniversary points each year.
Earn 2X points on Southwest® purchases.
Earn 2X points on local transit and commuting, including rideshare.
Earn 2X points on internet, cable, and phone services; select streaming.
2 EarlyBird Check-In® each year.
Earn 1 point for every $1 spent on all other purchases.

Best for savers

Bank of America® Premium Rewards® credit card

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. Earn unlimited 1.5 points for every $1 spent on all other purchases.

2X Earn unlimited 2 points for every $1 spent on travel and dining purchases.
1.5X Earn unlimited 1.5 points for every $1 spent on all other purchases.

What we love: If you do your banking with Bank of America and qualify for Preferred Rewards status, this card could provide an exclusive 25 percent to 75 percent rewards rate boost. The rewards rates — 2X points on dining and travel, with 1.5X points on all other purchases — could increase to an incredible 3.5X on travel and dining with an unrivaled flat 2.62X points rate. Learn more: Why expert Sara Coleman loves the Bank of America Premium Rewards Card Alternatives: The similarly-priced Chase Sapphire Preferred® Card is one of the best alternatives thanks to its stellar travel protections, yearly bonus rewards and stronger rewards program. However, flat-rate cards like the Capital One VentureOne Rewards Credit Card or the Discover it® Miles card could be lucrative if you don’t think the $95 annual fee is worth it.

The $95 annual fee is relatively affordable for this card category thanks to the up to $100 in yearly airline incidental statement credits.
You can smooth out your travel experience with great benefits like credits toward TSA PreCheck or Global Entry and comprehensive travel insurance.
Attaining the highest rewards rate is not an easy feat, since you’ll need to hold significant funds in Bank of America accounts.
This card does not offer a few popular premium travel perks like lounge access.
Low $95 annual fee.
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.

Best for first-year value

Discover it® Miles

Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

1.5X Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

What we love: In addition to the exceptionally valuable Discover Match® , this card combines solid flat-rate rewards with consumer-friendly terms, like minimal fees and an equal value for both travel and cash back redemptions. Travelers who value simplicity will appreciate this card’s straightforward rewards and adaptability — even when you aren’t traveling. Learn more: Why expert Holly Johnson loves the Discover it® Miles Alternatives: The Capital One VentureOne Rewards Credit Card carries a more straightforward and still easy-to-reach welcome bonus. The VentureOne card also gives you the option of transferring miles to more than a dozen airline and hotel partners, which could increase the redemption value of your rewards.

All miles earned in your first year will be matched at the end of the year, which could make it one of the most valuable first-year offers for no annual fee.
Miles don’t lose value when they’re redeemed for cash back, which gives it a leg up over many travel rewards programs for occasional travelers.
You’ll miss out on pretty standard travel perks like travel insurance, and car rental damage protection.
The rewards structure lacks flexibility; you won’t be able to transfer your miles or use them to book travel.
Automatically earn unlimited 1.5x Miles on every dollar of every purchase
No annual fee
Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Discover is accepted nationwide by 99% of the places that take credit cards.
Terms and conditions apply.

Best for fair credit

Credit One Bank Wander® Card

Intro offer is not available for this Credit One Bank credit card.

Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site Earn 5x points on eligible travel, dining, and gas Earn 1x points on all other purchases

10X Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
5X Earn 5x points on eligible travel, dining, and gas
1X Earn 1x points on all other purchases

What we love: The Credit One Bank Wander® Card is a solid option if you want to earn points on travel but have trouble qualifying for mainstream travel cards. Not only is this card accessible with only fair credit, but its rewards program boasts generously high rewards rates in key travel categories. Learn more: Best travel cards for people with bad or fair credit Alternatives: If you don’t mind putting down a refundable security deposit, consider a no-annual-fee secured card like the Bank of America® Customized Cash Rewards Secured Credit Card *. It’s a unique secured card that lets you build credit while earning rewards in a category of your choice (with travel just one of many popular options) as well as grocery stores and wholesale clubs.

It’s one of the only travel rewards cards available with a fair credit score, making it a decent option if you want to earn travel rewards as you work on your score.
Provides 5X points in travel, dining and gas, plus 10X points on eligible hotel and rental car bookings through Credit One Bank — rare and impressive rates with only fair credit.
Its annual fee is high compared to other cards you can get with a fair credit score , so it may not be the best fit if you prioritize building credit over earning rewards.
Other travel cards may offer better perks, fewer redemption restrictions and more value, so it may be worth working on your score with a lower-cost card before committing to the costly annual fee.
Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
Earn 5x points on eligible travel, dining, and gas
Earn 1x points on all other purchases
Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Free Online Credit Score and Credit Report summary, terms apply
If you are a Covered Borrower under the Military Lending Act, you may get a different offer
See Rates & Fees

Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit AmericanExpress.com/benefitsguide for more details. Underwritten by Amex assurance company.

The information about the American Express® Green Card and Bank of America® Customized Cash Rewards Secured card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuers.

Compare Bankrate's best travel credit cards of 2024

What are travel credit cards.

Travel credit cards allow cardholders to earn points or miles on a variety of purchases (typically travel-related), which are redeemable for travel bookings, statement credits, gift cards and more.

The best travel credit cards do more than help you foot the bill for your next flight — travel cards also offer perks to upgrade your entire travel experience. Trip insurance , annual travel credits, concierge services and lounge access are all common benefits. Airline and hotel co-branded credit cards sometimes offer specific discounts and perks for loyalty program members.

Pros and cons of travel credit cards

Although a well-chosen travel card can pay huge dividends, it might not be the right move for every traveler. Before you apply, take time to weigh the benefits versus the drawbacks of travel credit cards .

Tips on choosing the best travel credit card for you

The right travel credit card for you will carry features and benefits that give you the best value. To help you narrow down your choices, here are the steps to choosing the best travel card.

How to choose a travel credit card

1. know how you prefer to travel.

Knowing whether your travel expenses lean toward airfare, hotel stays or a mix of other travel will help you decide whether you should get an airline card, hotel card or general-purpose travel card. A co-branded airline or hotel credit card may be a good fit if you mostly travel with a certain brand and want exclusive privileges to enhance your experience. A general-purpose travel card is better if you prefer to keep your travel options open.

2. Prioritize redemption value

You may have to pick between simplicity and maximum value when comparing cards and rewards programs. Many travel cards offer a standard point or mile redemption value of 1 cent when you redeem toward travel through the issuer portal, but some cards can get you a higher redemption value when you transfer rewards to airline or hotel partners. However, it's common for many travel reward programs to reduce the redemption value toward non-travel options or limit these redemption options altogether. If you prefer simplicity over maximizing rewards, you may want to consider cards that allow you to redeem points or miles at an equal 1-cent value toward general travel purchase credits, cash back or other non-travel options.

3. Match your card to your spending habits

Take a look at your typical spending and find which travel categories and non-travel categories you spend the most in to help you choose a card that offers a high rewards rate for your regular spending. Just make sure you factor in rewards spending caps.

4. Note what's worth the extra money

High rewards rates and valuable travel perks are the biggest reasons to get a travel card, but many of the best cards carry a high annual fee. You could stick with a no-annual-fee travel card (or at least one with around a $99 fee) if you're mainly focused on earning rewards, but you may have to pay up to $500 or more for luxurious perks like airport lounge access, comprehensive travel insurance and hundreds of dollars in annual travel credits .

5. Look toward your next trip abroad

If you travel overseas, check to see if the card you're considering charges a foreign transaction fee. And since some credit cards aren't as widely accepted as others, you'll also want to make sure your credit card will work when traveling overseas . For example, merchants may not accept Discover and American Express cards as widely as Visa and Mastercard. If a trip is coming up in the next three to six months, keep an eye out for the big sign-up bonuses travel cards are known for. As a rule of thumb, the higher the annual fee, the higher the sign-up bonus should be.

Co-branded travel cards vs. general travel cards

Experts typically divide travel credit cards into two categories: co-branded travel cards and general travel cards. Co-branded cards are linked to a particular airline or hotel, while general travel cards offer more flexible reward opportunities. Here’s why and when you might want one or the other.

Co-branded cards
General travel cards

Co-branded travel cards tend to offer higher rewards rates on eligible travel purchases in exchange for limiting your reward redemption options to just one airline or hotel program . These cards may also feature more specific perks associated with the respective hotel or airline, such as free award nights, complimentary airline elite status or priority boarding — which general-purpose travel cards don’t often carry).

However, you won’t be able to use your rewards with a wide variety of different hotels and airlines like general-purpose cards allow. Plus, despite co-branded travel cards’ typically higher rewards rates, many brand-specific rewards tend to be worth less than the potential value of general-purpose cards’ points and miles.

When to get a co-branded travel card : When you often fly or stay with a specific airline or hotel and want to maximize your benefits with that brand.

General travel cards earn rewards on various travel categories and aren’t limited to a particular airline or hotel. Such cards may lack some of the dedicated perks you’ll find on a co-branded travel card, such as in-flight discounts, but make up for it with rewards flexibility and broader perks like general travel credits, expedited security screening and wider airport lounge access.

The top travel cards even let you transfer your points or miles to airline and hotel loyalty programs, often at a 1:1 rate. Redeeming with some airlines and hotels can even make your rewards more valuable than they would be if you redeemed with the card issuer.

When to get a general travel card : When you have no preferred airline or hotel and want the additional flexibility a general travel card offers.

Who should get a travel credit card?

A travel credit card is almost always worth it for frequent travelers or anyone who wants to earn rewards toward their next vacation.

If you can save up airline miles, rack up points for free nights at hotels or get discounted travel through your credit card issuer, you’re on your way to significant travel savings. However, the right travel card for you will depend on your travel habits.

Frequent travelers

Naturally, the ideal candidate for a travel card is someone who travels a lot or plans to book several flights and hotel stays per year. However, in some cases, you don’t have to be a frequent traveler to reap the benefits of a travel rewards card. A number of cards offer good rewards rates on general purchases.

Travel beginners

If you’re new to travel rewards, a good place to start is with a travel card that makes it easy to earn and redeem points, without requiring you to navigate a complex rewards program or worry about tiered rewards rates or varying point redemption values.

Brand loyalists

If you tend to book travel with the same brands frequently or already belong to an airline or hotel loyalty program, a co-branded travel card can offer terrific value. Airline- and hotel-specific rewards cards often earn a top rate on bookings with the brand as well as exclusive perks like lounge access and automatic elite status.

Business travelers

Some of the most valuable travel credit cards are business cards . Whether you're a freelancer on the go or the CEO of a Fortune 500, the right travel credit card can help you earn high rewards rates on everyday business purchases.

International travelers

If you frequently travel abroad, a card with no foreign transaction fees is a great way to help you avoid extra costs on overseas purchases. Plus, if you hate waiting in line at airport security or customs, a lot of travel cards offer statement credits to reimburse you for Global Entry or TSA PreCheck application fees.

Luxury travelers

Luxury travel cards often charge a pretty penny but also offer a ton of value via perks like lounge access and annual travel credits. These perks not only make travel more comfortable, but also often carry enough value to offset the card’s cost on their own.

Still unsure if a travel credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Here’s how a Bankrate editor chose his travel card

Here’s how a bankrate editor chose his travel card.

With all of this advice in mind, let’s see how a credit card expert made their pick. Here’s Bankrate editor Nouri Zarrugh on how he chose his travel card:

When it comes to earning rewards, I’ve always stuck with cash back cards, preferring the simplicity of knowing exactly how much my rewards are worth and the ease of redeeming for statement credits. Recently, though, I decided I wanted to travel a bit more frequently, and I figured a new travel rewards card could be a great tool to help me earn free trips. When choosing the right card for me, a few major points of consideration stood out: Cost: I didn’t feel like I traveled enough to justify a huge annual fee. Simplicity : I wanted to stick with a single, streamlined travel card and not worry about juggling multiple rewards programs or rewards rates. Perks : While I didn’t need anything too fancy, I thought it might be nice to have a perk like TSA Precheck included, since I hate waiting in long airport security lines. To my surprise, the card that stood out most was the Capital One Venture X Rewards Credit Card. Though it carried an intimidating annual fee of $395 ( See Rates & Fees ), I found this cost was more than worth it once I dug into the details. In fact, its benefits were so valuable, I barely needed to worry about offsetting the cost. Two of its annual perks — a $300 Capital One travel credit and 10,000 bonus miles every year on my account anniversary — are valuable enough to offset the fee on their own. This means as long as I take one flight a year, I can basically break even on the card. Any rewards or perks I get beyond that feel like pure upside. It’s a huge bonus, then, that the card also includes practical benefits like Priority Pass lounge access and a credit of up to $100 toward the cost of Global Entry or TSA PreCheck. While I’ve never frequented airport lounges, I see these privileges as essentially free considering the value of the annual travel credit and bonus miles. So, I figure, why not take advantage? For me, the Venture X strikes the perfect balance: A flat rewards rate that makes it easy to earn miles on everything I buy; flexible redemption through Capital One or via transfer to airlines and hotels, and practical perks I know I’ll use when I travel. I never imagined I’d have a $395 travel card in my wallet, but for me, it’s at worst a coupon for a flight every year, which can nudge me to take that next trip. — Nouri Zarrugh, Editor, Bankrate

Travel benefits may differ from card to card, but some of the most popular travel cards available often feature a few key perks.

Travel insurance

Travel cards may offer various travel insurances , such as trip delay protection, trip cancellation insurance, lost baggage insurance or car rental insurance. These benefits aren’t worth anything until you need them, but you’ll be glad you have them when your flight is canceled or your luggage gets lost.

Travel credits

Credits toward TSA PreCheck or Global Entry are a popular and common benefit on many travel cards. You can typically use this credit once every four years, which roughly corresponds to how long a TSA PreCheck or Global Entry membership lasts. Some cards may also provide an annual credit toward Clear Plus — another expedited security membership. Higher-end travel cards often offer annual statement credits toward travel purchases, and many of these credits nearly offset these cards’ annual fees.

In-flight perks

Co-branded airline cards typically offer some airport and in-flight benefits on top of their reward-earning capabilities. These can include discounts on in-flight purchases (usually 25 percent back on refreshments and WiFi), free checked bags, flight seating upgrades or priority boarding.

Free hotel award nights

Co-branded hotel cards may include free hotel award nights annually as part of their benefits. Some cards also add an extra complimentary awards night to your stay if you’ve booked a certain number of consecutive nights. These nights are typically capped at a certain value (sometimes based on the card or your elite status), and may be valuable enough to make up for some cards’ annual fees.

Airport lounge access

One of the most popular (and valuable) travel benefits featured on high-end and luxury travel cards is complimentary access to airport lounges. The lounges you gain access to depend on the card, though co-branded cards will often grant access to the lounge corresponding to the card’s airline. The Amex Platinum card currently offers the best airport lounge access .

If you want to add a credit card to your portfolio for your travel needs, knowing what cards are popular and why people like them can help steer your decision. We regularly stay abreast of these conversations online and noticed two travel cards come up regularly: the Chase Sapphire Reserve and The Platinum Card from American Express .

These cards shine because they offer some of the best rates on travel purchases and the most comprehensive set of benefits and perks . Despite their annual fees, what you get in return can far outweigh your costs. And the conversation around these two cards isn’t new: Is the effort of maximizing their perks worth it?

What people say about travel credit cards perks

The Sapphire Reserve is often referred to as the gold standard in travel benefits and protections, and the value of its trip insurance is a big part of that. A member of the Rick Steves Forum remarks on the value of the insurance: “It has pretty extensive coverage wherever I travel … my entire trip is covered as long as I charged any portion of the trip to my card.” This feature is unique to the Sapphire Reserve and sets it apart from other premium cards, which require you to charge your entire trip purchase to the card to have active coverage.

But using trip insurance isn’t always a simple process. As a user in the r/CreditCards forum on Reddit cautions: “Credit card travel insurance in general is very specific on what it covers, and people tend to overestimate just how useful the coverage actually is,” they write. “These are named peril policies, so unless you see your exact situation as a covered hazard the policies won't pay out.”

The Platinum Card from American Express gets a lot of buzz for reasons similar to the Sapphire Reserve. The card gives so many benefits, credits and additional perks that it’s often called a coupon book for luxury travel. But for many people, the value comes down to whether they’re willing to do the work to maximize its features. Another r/CreditCards member says they use the card’s Hilton and Marriott status boosters, rental car company loyalty program automatic status features, Centurion lounge access, hotel and airline incidental credits, membership credits and more. Using all these features helps them offset the annual fee.

While some people love maximizing the card’s features to extract as much value as possible, others, like this Redditor, think it’s too much work:

“The only benefit the Platinum card really adds is Centurion and Delta Sky lounge access but only to the [cardholder] … I believe the Platinum is worth [it] at least the first year for the [sign-up] bonus but then it doesn't get much use after that. Trust me the credits are really annoying to use.” — r/CreditCards user

These two premium cards stand out from the rest because they offer the most comprehensive features available to suit your travel needs and protect you from any issues that arise. The Chase Sapphire Reserve is an exceptional option to protect you from travel issues, but make sure you know the fine print. While the Amex Platinum may not be as ideal for travel protections, the credits offered more than offset its annual fee if you can put in the effort to fully maximize them.

Whether you’re a beginner or seasoned cardholder, your travel card should always work in your favor by offering the features and benefits you’ll actually use and that make your travels more enjoyable. But whether you’re willing to put in the effort to maximize a card’s value is something you’ll need to decide for yourself.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Credit card points and miles are two of the key types of credit card rewards , along with cash back. You’ll earn points and miles by making purchases with your credit card, but you can typically redeem these rewards for travel, gift cards and more — not just statement credits.

Points and miles tend to be more flexible than cash back, but since their value depends on how you redeem them — and, in the case of travel redemptions, where you’re going, when you book, your fare class and more — it may take a bit more effort to make the most of them.

What are your points and miles worth?

Since many airlines and hotels use dynamic pricing models that continually optimize airfare and room prices, it can be hard to know exactly how much your rewards are worth without doing a little math.

Luckily, you don’t need to be a travel hacker to get a sense of this idea. Before you redeem, you can check your reward redemption value by dividing the cost of a plane or hotel booking in cash by its cost in points or miles. This calculation will result in the cash value of your points or miles.

You can also compare this value to Bankrate’s latest points and miles valuations to determine if you’re getting a good deal on your redemptions. Bankrate collected data on hundreds of bookings across dozens of airline, hotel and credit card rewards programs and estimated how much each program’s rewards are worth on average .

Airline rewards values
Hotel rewards values
Credit card program rewards values

The table below shows Bankrate’s estimated reward redemption value for a variety of popular airline loyalty programs. You’ll notice how widely the value varies between airlines, with some offering close to 3 cents per point in average redemption value and others struggling to meet a 1-cent-per-point value.

Keep in mind, however, that these values are averages based on a variety of fare classes, destinations, booking periods and more. For example, while Bankrate estimates Delta SkyMiles carry an average redemption value of around 1.2 cents per mile, they could be worth more or less depending on the details of your booking.

*Based on weighted average of median point/mile values across economy and first/business class fares.

Like airline miles, hotel points fluctuate in value. The table below shows Bankrate’s estimated point values for some of the most popular hotel brands.

As you can see, hotel points tend to be worth less than airline and credit card rewards on average, often carrying less than 1 cent per point in redemption value. That said, hotel loyalty programs sometimes offer more favorable exchange rates when you transfer rewards from a credit card rewards program. For example, you may be able to turn 1,000 credit card points into 2,000 hotel points (a 2:1 transfer ratio).

*Based on median point values across budget, mid-tier and luxury hotel bookings.

Unlike hotel and airline rewards programs, credit card reward programs typically earn points or miles that offer a consistent redemption value when you use them with the issuer. Though the redemption value of your rewards may vary based on how you redeem, each redemption method should offer a consistent baseline value.

Some credit card rewards programs may also allow you to transfer your points or miles to airline and hotel loyalty programs, which could boost their value considerably. For each major credit card rewards program, we estimate a baseline redemption value (assuming you book for travel with the issuer) and a Bankrate’s Value, which averages the program’s best-value transfer partners.

*Based on an average of the issuer’s five highest-value transfer partners (if available).

When to use rewards vs. cash

To demonstrate when it’s best to use your reward miles versus paying in cash, we set up this example:

We estimate American Airlines AAdvantage miles are worth 1.0 cents. If you book a seat in the main cabin on a one-way flight from Boston to Miami, and it costs either $139 or 21,500 miles, your miles are only worth $0.006 ($139 / 21,500 miles = $0.006). Since your miles for this flight are worth less than 1.0 cents, you may want to save your miles and pay cash for this flight.

But if you book a first-class seat on the same flight for $433 or 31,500 miles, your miles are now worth $0.013 ($433 / 31,500 = $0.013). Since 1.3 cents is higher than our latest valuation, you’re coming out ahead if you use your miles to pay for this flight.

Bankrate experts share their advice on using travel credit cards

It’s important to know how to maximize your rewards and perks. Otherwise, a travel card could end up being a money pit. Here are a few pointers from our experts for making the most of your travel card:

Combine cards to maximize rewards

Knowing how much you spend in different categories and which merchants are eligible for rewards will help you earn more and build an optimized stack of rewards cards. A flat-rate card is often a great starting point to earn the same rate on every purchase you make. As you build out a rewards strategy, you can incorporate a card with bonus categories to earn even more in your highest spending areas.

Expert Insight:

“For a long time, I’ve used a combination of Chase credit cards known as the Chase trifecta for all my family’s spending…. [I] don’t typically use my Sapphire Reserve for everyday spending and bills. Since it only offers 1X points on non-bonus category spending, I use my Freedom Unlimited to make sure I earn a minimum of 1.5 percent cash back on everything I buy.” “I use each card strategically to earn as much in rewards as possible, then I pool them in my Sapphire Reserve account to redeem them for airfare, excursions, hotels and more.” — Holly D. Johnson — Award-winning personal finance writer and Bankrate contributor: Why I love the Chase Sapphire Reserve

Maximize your rewards value with transfer partners and issuer travel

Save your rewards for the most valuable redemption options. Travel points and miles often lose value toward non-travel options like cash back, so you’ll want to redeem your rewards for travel through the issuer portal for at least 1 cent per point or mile. However, transferring your rewards to the right airline or hotel partner program is usually worth the extra effort since it could net you even more value.

Expert Insight

“When I redeem my points through the Chase Ultimate Rewards program, the most I can get is 1.25 cents apiece, which is pretty good. However, if I transfer them to a partner airline’s loyalty program, I will often get much more. For example, I can transfer my points to United Airlines MileagePlus and use them to pay for flights. When I do, I generally get a value of 2 or more cents per point — in line with Bankrate estimates that Chase Ultimate Rewards points are worth around 2 cents apiece on average when used with the right transfer partner.” — Margaret Wack — Personal finance expert and Bankrate contributor: Why I love the Chase Sapphire Preferred Card

Make the most of your travel perks

Travel benefits are one of the main reasons to get a travel card, and are often key to making up a card’s annual fee. Be sure to read the fine print to make sure you can take full advantage of these offers . For example, one card’s travel credit may apply to any travel purchase, including airfare, while another card’s may only cover costs like baggage fees or in-flight purchases.

“This is the year to take inventory of your credit cards and make sure they’re serving you well. If you’re paying an annual fee, look for a card with recurring benefits. Whether it’s annual award nights, waived luggage fees or elite status benefits, these perks can offset your annual fee and make your travels more pleasant … Despite putting minimal spending on my Hilton Honors Amex Aspire card, I keep renewing it every year. That’s because the card provides automatic Hilton Diamond elite status, which can easily offset the $550 annual fee. Recurring card benefits like [these] can save you a lot on travel and are worth considering when shopping for a new credit card.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: Five benefits you need from a travel credit card

Plan for the sign-up bonus

The best travel cards come with generous welcome offers, but these bonuses may require a high spend in a short timeframe. That’s why it’s important to consider whether the spending requirement fits with your typical spending habits or whether you need to plan purchases to meet the requirement. Just be sure not to overextend yourself or take on debt you can’t pay back just to earn a bonus — interest and fees can easily eat through any value you’d get.

“Keep in mind that credit card sign-up offers change often. So if you’re interested in a particular card but not blown away by its current offer (there are some for 100,000 points or more that aren’t always worth the trouble), it could be worth your while to wait for a better one.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: 6 ways to get bigger credit card bonuses

Look out for limited-time offers, partner perks and other benefits

Keeping an eye out for limited-time offers like extraordinarily high sign-up bonuses, perks with partner services (like rideshares or delivery services) and other reward-earning opportunities is a great way to squeeze the most value from your travel card. Issuers sometimes provide shopping and travel portals and card-linked reward programs for select purchases (like for pre-paid dining or participating merchant spending), which can help you bank extra rewards.

“Keep an eye on your email inbox and rewards portal for any limited-time promotions your issuer may be offering. Many American Express cards feature Amex Offers, which lets you access perks like statement credits for spending a certain amount on specific hotels and other retailers. Other cards, like the Capital One Venture X, also have occasional promotional offers, such as a credit for 5 percent back on VRBO rentals.” — Lori Zaino — Travel expert and Bankrate contributor: How to maximize credit cards for cheaper accommodations this holiday season

Track your spending and rewards each account statement

Track your favorite stores’ and services’ merchant category codes (MCCs) to fine-tune your spending habits for maximum rewards. If you notice your expenses changing, this practice may also help you notice whether you need to change which rewards cards you carry.

“The first step to optimizing your spending is to take the time to collect the MCCs of stores you frequently shop at. During the process, you might find that some stores in the same chain may have different MCCs, depending on their primary inventory. Even different counters or sections in the same department store may carry different MCCs. You can use this to your advantage if you know one location near you will provide a better cash back rate than the other. These “loopholes” can provide great opportunities to reap cash back on purchases that typically wouldn’t earn rewards.” — Garrett Yarbrough — Writer and credit cards expert at Bankrate: Merchant category codes: How to earn more cash back

Our data: What credit score do you need for the best travel cards?

It’s no secret that your credit score heavily influences which cards you’re likely to get approval for. But how good does your credit need to be to get the best credit cards for travel? We analyzed our data of Bankrate readers who applied for credit cards on our pages in 2023 and compared the approval rates of readers’ different credit tiers.

We found that, on average, 61.9 percent of users with excellent credit were approved for travel cards on our site. Then, an average of 39.5 percent and 19.5 percent of users with good and fair credit, respectively, got approval for travel credit cards they applied to.

If you have fair or bad credit, you still have options for travel credit cards. For example, the Credit One Bank Wander Card caters to people with fair credit — 57 percent of people with fair credit who applied on our site in 2023 were approved for this card , according to our data.

Obviously, the better your credit, the more likely you are to get the card you apply for , but other factors can affect your application. Issuers may also consider your income, recent credit applications, homeownership status and monthly rental or mortgage payment. Keep these other factors in mind with your credit score when you apply for credit cards.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

When evaluating the best travel cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points.

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best travel cards.

Here’s a quick breakdown of the key factors in our rewards card scoring methodology — our primary scoring category for travel cards — and details we considered when putting together our list of the best travel cards.

Flexibility 15%
Customer experience 5%

Great rewards value

The primary criteria for a rewards-earning card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories.

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $25,500.

This includes the following spending by category:

Groceries: $5,700
Dining out: $3,600
Entertainment: $2,400
Gas: $3,100
Apparel and services: $1,900

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries.

We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Reasonable rates and fees

We also score cards based on how much it costs to keep them in your wallet or carry a balance.

To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. However, the latter rating only has a slight influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance.

More important to both a card’s score and its inclusion in our list is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value.

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees.

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Redemption flexibility

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth.

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list.

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Valuable perks

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating.

We break down these tiers as follows:

Tier 1 includes fewer features than even standard credit cards (for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits).
Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges.
Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection.
Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs.
Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

And since this list focuses on travel cards, we tend to favor cards that carry travel-centric features like travel insurance, airport lounge access and credits for expedited security screening, instead of more general perks like food delivery credits or shopping discounts.

More information on travel credit cards

Frequently asked questions about travel credit cards, are travel credit cards worth it.

Travel cards can be well worth it since they often have exclusive travel perks like credits for airfare, hotel stays, expedited airport security services and more, as well as complimentary airport lounge access and airline or hotel privileges. However, many of the best travel credit cards come with annual fees. It’s important to at least offset the cost of these cards by taking advantage of the various travel perks and features included on the card.

What credit score do you need for a travel credit card?

It’s possible to get a travel credit card with bad or fair credit, but most travel rewards cards are geared toward people with good or excellent credit (a FICO score of at least 670, or a VantageScore of at least 661).

Do travel miles or points expire?

Even though many major credit cards earn rewards that don’t expire, you may lose your points and miles if your account closes or isn’t in good standing. However, some co-branded cards’ rewards may expire if you don’t earn or redeem rewards within a certain timeframe (typically 12 to 36 months after the rewards are earned).

Check out our guide to credit card rewards expiration for a thorough breakdown of several popular issuers’ policies.

Are points or miles better on a credit card?

Whether points or miles offer better value will depend on the specific rewards program and how you redeem rewards. One airline loyalty program may earn miles that offer less than 1 cent each in average redemption value while another program’s points may offer close to 3 cents each on average. Similarly, a hotel card’s points may be worth less than half of a credit card issuer’s rewards points. Some programs offer points with only average baseline redemption value but high value when transferred to a partner airline or hotel.

Ask the experts: Is it a good idea to have multiple travel credit cards?

Thomas Nitzsche

Stephanie Zito

Erica Sandberg

Financial Educator, Debt and Credit

Whether you should have multiple travel credit cards depends on several factors, including your brand affinity, frequency of travel and ability to pay off your cards in full each month. As a credit counselor, I see many people carrying credit card debt at high interest rates while continuing to make charges to the account for the sake of earning rewards. They lose far more than they earn each month. Having more than one travel credit card could make sense for you if you’re able to maximize your earnings by strategizing spending across each card. Just take into account annual fees and actual interest paid.

Contributor, Personal Finance

If you’re up for managing multiple cards and their benefits, then there are definitely big reward payouts to be had. But if the thought of multiple cards is overwhelming, it’s also a good strategy to have one or two more flexible cards and focus on maximizing your earnings and redemptions until it becomes second nature.

Contributor, Credit Cards

Definitely! I currently have two travel credit cards. In addition to the Chase card that I use for my United Airlines purchases, I have the Capital One Venture card for all other airlines. I earn a solid amount of miles on everything I buy with it, so it's an easy go-to for non-travel related expenses.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

Global entry: Trusted traveler enrollment program . U.S. Customs and Border Protection. Accessed on Feb. 21, 2024

Discover International acceptance . Discover. Accessed on Feb. 21, 2024.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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Time in Elektrostal , Moscow Oblast, Russia now

Tokyo 07:22PM
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Paris 12:22PM
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New York 06:22AM
Los Angeles 03:22AM

Time zone info for Elektrostal

The time in Elektrostal is 8 hours ahead of the time in New York when New York is on standard time, and 7 hours ahead of the time in New York when New York is on daylight saving time.
Elektrostal does not change between summer time and winter time.
The IANA time zone identifier for Elektrostal is Europe/Moscow.

Time difference from Elektrostal

Sunrise, sunset, day length and solar time for elektrostal.

Sunrise: 03:43AM
Sunset: 09:07PM
Day length: 17h 24m
Solar noon: 12:25PM
The current local time in Elektrostal is 25 minutes ahead of apparent solar time.

Elektrostal on the map

Location: Moscow Oblast, Russia
Latitude: 55.79. Longitude: 38.46
Population: 144,000
Best restaurants in Elektrostal
#1 Tolsty medved - Steakhouses food
#2 Ermitazh - European and japanese food
#3 Pechka - European and french food

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Yakor Hotel

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Commonwealth Bank Travel Money Card reviews
Sun. 8:00 am - 6:00 pm. [email protected]. 1800 805 605. ABN: 48123123124. Claim your listing. Commonwealth Bank Travel Money Card (Travel Money or Currency Exchange): 1.8 out of 5 stars from 309 genuine reviews on Australia's largest opinion site ProductReview.com.au.
Commbank Travel Money Card Review
When using the Commonwealth Bank Travel Money Card review, you would select the credit option. As added information, the maximum value of purchases per day is AUD 7,500 or its foreign currency ...
Travel Money Card
When you open a new Travel Money Card account online via NetBank or in branch. $0. Initial load/reload fee. When you initially load/reload funds onto your Travel Money Card or transfer funds from your Travel Money Card to an eligible CommBank account via NetBank or the CommBank app. The rate applicable is the CommBank Retail Foreign Exchange ...
Anyone with a Comm Bank Travel Money Card READ THIS
17 reviews. 20 helpful votes. 4. Re: Anyone with a Comm Bank Travel Money Card READ THIS. 4 years ago. To repeat advice I have given many times: To get cash overseas, open a Citibank Plus bank account, which comes with a Mastercard debit card that has no overseas ATM withdrawal fees and an excellent exchange rate.
Commonwealth Bank Travel Money Card Review
Commonwealth Travel Card Review - [2023] The Commonwealth Travel Money Card is a prepaid Visa debit card you can top up in 13 different currencies, for global spending and ATM withdrawals. That can be handy for managing your budget when you're overseas, as you can lock in exchange rates in advance so you know exactly what you have to spend.
Customer complaints and compliments
Continue without log on. Make a complaint by calling us on 1800 805 605 from Australia or + 61 2 9687 0756 from overseas 1 (8am-6pm, Mon-Fri, Sydney/Melbourne time) Visit one of our branches. Write to our complaints team (no need to use a stamp) at CBA Group Customer Relations Reply Paid 41 Sydney, NSW 2001. Please tell us:
Commonwealth Bank Travel Money Card reviews (page 2)
1. a $3.50 transaction fee every time you withdraw your own money. and. 2. at a 10% premium on the exchange rate. Effectively, you're better off just a credit card or even an ATM in the overseas country ( Vietnam in this case ) copping the fees and they have a more favourable exchange rate.
Commonwealth Bank Travel Money Card reviews (page 4)
5.8% lower exchange rate than official one. This travel card was recommended to me by a bank employee as a way to avoid the 3% fee on transactions that are charged if I use a standard eftpos card. Then I checked the exchange rate and it is nearly 5.8% below the official rate. So instead losing 3% I will lose 6%.
Reviews & compared: the best travel money cards in Australia
The four cards on test. We compared the four cards on the market: ANZ Travel Card. Commonwealth Bank Travel Money Card. American Express Global Travel Card. Travelex Cash Passport. Many outlets offer travel money cards that are just rebranded Travelex Cash Passport cards. We have not included them in this review.
Travel money cards with the lowest fees
Australia Post Travel Platinum Mastercard. Available online or at post offices. Currencies: AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED. Fees: Fee to reload the card via BPay, debit card or instore, but free via online bank transfer. Closure fee. Fees for ATM withdrawals in Australia and overseas.
Travel Money Card fees and charges
Card issue fee. When you open a new Travel Money Card account online through NetBank or the CommBank app (existing CommBank customers only), or in a CommBank branch. $0. Initial load/reload fee. When you initially load/reload funds onto your Travel Money Card or transfer funds from your Travel Money Card to an eligible CommBank account via ...
Travel Money Cards: Best prepaid options for Australians
Wise Travel Money Card. AUD,USD,CAD,EUR,GBP,JPY,NZD,SGD. 2 free ATM withdrawals per month up to AUD$350, then AUD$1.50 and 1.75% per withdrawal. $0. $0. Hold and spend funds in more than 40 ...
Commonwealth Bank platinum credit card travel insurance reviewed
Theft/loss/damage: Commonwealth Bank Platinum Card Travel Insurance will pay out up to $30,000 in total for a whole family for property loss or damage while travelling, or up to $15,000 per person. Per item limits apply, though; $5,000 for baggage/clothing, $5,000 for electrical equipment, $5,000 for cameras, $5,000 for laptops, $500 per person ...
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Best Travel Credit Cards Best 0% APR Credit Cards ... Commonwealth National Bank . Branches: 2 ... They cover bank reviews, savings rates, and more.
Bank of America Travel Rewards credit card benefits guide
The Bank of America Travel Rewards credit card offers a solid welcome bonus that's easily attainable for most cardholders. You can earn 25,000 points when you make $1,000 in purchases within 90 ...
Banks' responsibility for scams
The CFPB will keep working to ensure that banks and other financial institutions meet their legal obligations, including protecting people from scammers. The case is New York v. Citibank N.A., No. 1:24-cv-00659-JPO (S.D.N.Y). Read CFPB's Statement of Interest. If you have had a problem with a bank's handling of your checking or savings ...
Best Travel Money Cards & Currency Exchanges
The 19 best Travel Money Cards & Currency Exchanges in 2024 ranked based on 4,007 reviews - Find consumer reviews on ProductReview.com.au, Australia's No.1 Opinion Site.
Discover it Miles vs. Bank of America Travel Rewards credit card
However, the first-year rewards change when you add in each card's bonus offer: With the Bank of America Travel Rewards credit card, you would earn a total of 82,063 points (worth $820) in the ...
Capital One Venture Card Benefits Guide
The Capital One Venture Rewards Credit Card is one of the most popular travel credit cards available today, especially among those who prefer easy-to-use cards with flexible rewards. The Venture ...
Travel Money Card: How to manage multiple currencies
With our Travel Money Card, you can easily load up to 13 currencies online: If we need to automatically transfer money between the currencies on your card to complete a transaction, we'll use the Visa exchange rate at the time of conversion, plus a margin. The margin is subject to change from time to time. For the current margin, see Travel ...
Credit Card Comparison: Side-by-Side Tool
Compare credit cards with our side-by-side comparison tool. Find the best credit card deals and offers for you—cash back, low interest, travel, business cards and more.
The best AirTag you can buy for your wallet isn't made by Apple ...
The Nomad Tracking Card uses Apple's Find My network to help you keep tabs on where your wallet is. It's priced at $40 and launches today. It's a sleek tracker that's only the width of two credit ...
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Commonwealth Bank Travel Insurance reviews
as above easy understood quote. by michael crummy on 24 May 2024. 3rd time useage easy to get a quote I understood. Commonwealth Bank Travel Insurance (Travel Insurance): 2 out of 5 stars from 63 genuine reviews on Australia's largest opinion site ProductReview.com.au.
Best Travel Credit Cards of June 2024
American Express® Gold Card. Bankrate score. 5.0. Bankrate review. Recommended credit score: 670 - 850. See if you're prequalified. Apply now. on American Express's secure site. See Rates & Fees ...
Elektrostal, Russia: All You Must Know Before You Go (2024
A mix of the charming, modern, and tried and true. See all. Apelsin Hotel. 43. from $48/night. Apart Hotel Yantar. 2. from $28/night. Elektrostal Hotel.
Time in Elektrostal, Moscow Oblast, Russia now
Sunrise, sunset, day length and solar time for Elektrostal. Sunrise: 03:43AM. Sunset: 09:07PM. Day length: 17h 24m. Solar noon: 12:25PM. The current local time in Elektrostal is 25 minutes ahead of apparent solar time.
Yakor Hotel
Many travellers enjoy visiting Summery House A.I. Morozova (12.1 km) and Shirokov House (13.6 km). See all nearby attractions. Yakor Hotel in Elektrostal, Russia: View Tripadvisor's 6 unbiased reviews, photos, and special offers for Yakor Hotel, #3 out of 4 Elektrostal hotels.
Commonwealth Bank Travel Insurance
2. Part of Commonwealth Bank Travel Insurance 2.0. Commonwealth Bank Travel Insurance - Credit / Debit Card Insurances. 2. 1.9. 17 reviews. PositivevsNegative. 24% · 413 · 76%. Write a review Details Q&A (6) Compare.
ALLIANCE
Alliance. 1 review. #1 of 1 small hotel in Zheleznodorozhny. Gidrogorodok St., 3, Zheleznodorozhny 143982 Russia. Write a review. Check availability. Have you been to Alliance?

Anyone with a Comm Bank Travel Money Card READ THIS - Australia Forum

Anyone with a Comm Bank Travel Money Card READ THIS

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Commonwealth Travel Card Review – [2023]

Commonwealth travel card: key features

Who is the Commonwealth travel card for?

What is the Commonwealth travel card?

Is the Commonwealth Travel Money Card a multi-currency card?

Alternatives to Commonwealth travel card

Commonwealth travel card fees & spending limits

Exchange rates

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How to use a Commonwealth travel card?

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Conclusion: is the Commonwealth travel card worth it?

Commonwealth travel card review FAQ

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Travel money card with the lowest fees and best exchange rate

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