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What to do before you travel internationally

Staff writer

Posted 15/09/2022 Updated 05/06/2023 3 mins

If you’re going abroad soon, you should check these items off your to-do list.

Travelling to a different country can be scary if it’s the first time you’re doing it. Sufficient planning can help you conquer those fears. If you plan properly, you should be prepared for your trip well enough to cope with any unforeseen hiccups.

Planning the details of your trip and what you need to take with you is important, but so is financial planning. Be sure to consider all the costs involved and work out an affordable budget before you start booking flights or accommodation.

Craft a detailed travel itinerary

Which country will you be visiting, and what do you want to do while you’re there? Plan what you’d like to do on each day of your trip, so you can adjust your budget for each day’s activities accordingly.

Your itinerary should include the specific route you’ll take, so that you can see or do everything you’d like to along the way, rather than criss-crossing the country and spending more on travel than you need to.

Create a daily travel budget

Once you have your itinerary, you can refine your budget. Set a limit on what you will spend on your holiday, then cross-check it against your daily itinerary.

Draw up a checklist of everything that needs to be done.

If there are activities on your itinerary that your budget doesn’t allow for, remove them so that you won’t end up spending more than you can afford.

Travel documents and other necessities Passport

Make sure that your passport is up to date. If you don’t have one, check what you need to apply for one and how long it will take, and then apply as soon as possible.

Check if you need a visa for the country you’re travelling to and what the requirements are. You should apply for your visa timeously, so be sure to find out how long before your trip you need to apply.

If you’re on chronic medication, you need to make sure that you fill your prescription for the time that you will be away. You may need a letter from a medical professional to do this, so speak to your doctor about any rules regarding taking your medication across borders.

This is often included when you use your bank card to buy your flight ticket. If travel insurance isn’t included, take out your own cover for any loss, cancellations or other risks on your travels.

Foreign exchange

Make sure that you have enough money in the currency of your destination country or a major currency (US dollars, euros, pounds)  to cover expenses. Before travelling it is useful to check what is accepted in the place you are visiting – some remote places may not accept bank cards.

A travel card is a hassle free and safe way to carry your foreign exchange while travelling. 

The Nedbank Travel Card  is available in 8 currencies with a locked-in exchange rate and can be used at Mastercard pay points and ATM's outside the Common Monetary Area. You can manage your or your child's travel card on the Nedbank Money app or Online Banking   and buy and sell currency digitally. You may also want to take  some foreign banknotes for smaller expenses like paying for a taxi or tipping hotel staff. 

Medical aid

Check with your medical aid if you have international travel benefits. Be sure to have medical insurance in place before you travel, in case you fall ill or suffer an injury.

To make sure that you don’t forget anything, draw up a checklist of everything that needs to be done. Then tick off each item as you complete it. This should include everything from packing your underwear to booking your tickets. 

Travelling abroad is exciting and shouldn’t be dampened by poor planning. If you lay the groundwork, the trip should run smoothly, and you’ll be able to focus on enjoying the experience. 

You can use your Nedbank cards to pay for flights and accommodation, and depending on your account type , you might qualify for all-inclusive travel insurance on your holiday. 

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Best travel cards offered by top South African banks

Planning a trip abroad involves a lot of administration. You need to consider travelling arrangements, reasonable accommodation, and a daily itinerary. But have you considered how you’re going to pay your bills once you arrive? Besides co...

2 January 2020 · Isabelle Coetzee

Planning a trip abroad involves a lot of administration. You need to consider travelling arrangements, reasonable accommodation, and a daily itinerary.

But have you considered how you’re going to pay your bills once you arrive? Besides considering bank costs, you also need to consider exchange rates.

We had a look at the options available at some of the top banks in South Africa.

Tip: Compare bank cards on our website

What are travel cards?

It can be dangerous to carry around large amounts of money overseas. Anything can happen – you could get mugged or you may even lose your wallet.

Travel cards offer an alternative to your general bank card, whilst still offering you the local currency at a reasonable cost.

According to Nedbank, these cards offer you the ability to buy currency at a locked-in currency. This way money will not be affected by fluctuations once you have bought the currency. 

“Clients are able to save in currency using the foreign currency account to later transfer into their travel cards ahead of their travel,” says Nedbank.

For example, you’re able to perform the following functions on the Nedbank Money App for the Nedbank Travel Card:  

• Buy and sell currency
• See balances and transaction listings
• Freeze, unfreeze, and block cards

Have a look at the table below where the available travel cards from four of the top South African banks are compared:

READ MORE: Travel insurance through medical aid: Is it enough?

What to consider in a travel card?

According to Nedbank, there are two important things to consider when selecting a travel card:

• Is the travel card digitally accessible anywhere for buying and selling currency, as well as for balance and transaction listings viewing?
• Make sure that costs associated with the card are transparent.

If you’re not satisfied with the travel card offered by your current bank, you always have the option of opening a new account with a different bank.

Nedbank points out that you should consider getting a travel card for your next holiday if:

• you want to spend within your budget and always be in control of your money
• you want to avoid currency fluctuations
• you want to manage your travel budget digitally

Did you know that medical aid and hospital plans offer medical assistance abroad? Make sure you’re covered when you travel.

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Nedbank Travel Card

Features and benefits.

• Load up to 8 international currencies with locked-in exchange rate.
• The card will automatically use the currency of the country where you are using the card.
• Get a free back-up card.
• We will arrange emergency cash for you should you lose both your cards.
• No commission charged when you cash out your card on returning from your travels.
• Reloadable and has a life span of 3 years.
• Accepted globally at more than 34 million ATMs and merchant point-of-sale (POS) locations.
• Remotely top-up your funds by emailing  [email protected]  with your request.
• View your transactions on the Nedbank Money app.

How to apply

Visit any Nedbank Forex Branch 

Lost card replacement

Should your card be lost or stolen, please call the Nedbank Contact Centre immediately on +27 (0)860 555 111 to block it as soon as you realise that it is missing.

When you block one of the cards, the other card will remain active so you will still be able to spend abroad.

Additional information

Before you travel

• Ensure that you sign the back of both cards, mainly to help merchants verify whether or not you are the owner of your card.
• Change the PIN to one you will remember. Each card can have a different PIN if you so choose. If you choose to use the PIN it is issued with,  memorise it and keep the printed PIN separate from your cards at all times.
• Download and register on the Nedbank Money app from your app store, your card will be automatically registered. This will ensure you can track your spend and always know what the current balances of your currency pocket balances on the go.

While you travel

• Always take the additional card with you when you travel and keep it in a safe place while you go sightseeing with your primary card.
• Swipe your card at POS for free.
• Use your card at ATMs to safely withdraw the currency of the country you are visiting.

When you return from your trip

• Ensure that you cash out the remaining funds on your Nedbank Travel Card within 30 days after returning from your travels, as required by the South African Reserve Bank.
• Store your cards and PINs safely so you can use them again when you travel in the future. 

Important notice

There are no transaction limits on the card, although some ATMs may impose a maximum withdrawal limit, which is outside our control.

Discounted travel offers – Save up to 30% on flights and accommodation.

Enjoy travel deals at a great discount, exclusive to Nedbank cardholders.We have partnered with some of the world’s leading airlines to secure great travel deals. Nedbank cardholders can now save up to 30% on their travel purchase when they book and pay with their Nedbank Credit, Debit and American Express® Cards.

Personal Finance

Best no annual fee travel credit cards for may 2024.

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more about it.

Travelers are back in the skies and on the roads, airplanes are taking off full, and there is likely a good chance you’re planning to travel this year or thinking about it. Whether you’re heading off on a much-deserved vacation or just getting away for a weekend, you may be looking to earn rewards on your travel spending.

But most travel credit cards come with an annual fee. That might make sense for road-warrior business travelers who are on a first-name basis with the airport check-in agent, but what if you don’t travel as often? If you’re an occasional traveler, paying an annual fee might not make sense .

In this article, we’ll cover the best travel credit cards with no annual fee.

Best No Annual Fee Travel Credit Cards: Summary

Best for thankyou points: citi rewards+® card, best for cash back on travel: card_name, best for hilton stays: card_name, best for united miles: card_name.

• Best for American miles: American Airlines AAdvantage® Mile Up® Mastercard®

Best for Delta miles: card_name

Our recommendations.

Citi Rewards+® Card

(Rates & Fees)

The Citi Rewards+® Card wouldn’t normally make a list of great travel cards, but it currently offers bonus points on some travel. Cardmembers can earn a total of five ThankYou Points on hotel, car rentals, and attractions booked through the Citi Travel portal through December 31, 2025.

If you’re invested in the Citi ThankYou Points ecosystem, the card is a must-have, not for its travel benefits, but for its point bonus on redemptions. The card offers a 10% rebate on point redemptions when you redeem your ThankYou Points. If you hold multiple ThankYou Point-earning cards and combine your ThankYou Points accounts, you get this rebate on any redemption, up to 100,000 points redeemed per year.

Here are the details of the Citi Rewards+® Card :

• Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
• Special offer: Earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025 (airfare is not included).
• 2 ThankYou Points per dollar on the first $6,000 spent per year at supermarkets and gas stations for first $6,000 per year and then 1X Points thereafter.
• 1 ThankYou Point per dollar on all other purchases.
• ‌ foreign_transaction_fee foreign transaction fee.
• ‌ $0 (Rates & Fees) annual fee.

Costco Anywhere Visa® Card by Citi

If you want a no-annual-fee card that offers cash back on travel and are a Costco member, the card_name simply can’t be beat. The Costco Anywhere Visa offers 3% cash back on travel categories including airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel. You must be a Costco member to get this card, but if you’re looking for cash back on travel, few other cards offer as much cash back on as many travel categories as the Costco Anywhere Visa.

The one quirk of the rewards earned by the Costco Anywhere Visa Credit Card is that you earn your rewards as Costco Cash. Costco Cash rewards get distributed once your February billing statement closes in the form of a credit card reward certificate. This certificate must be redeemed at Costco for merchandise or cash.

Here are the details of the Costco Anywhere Visa Card:

• 4% cash back on the first $7,000 spent each year on eligible gas and EV charging purchases worldwide and then 1% thereafter.
• 3% cash back at restaurants worldwide.
• 3% cash back on eligible travel purchases.
• 2% cash back on all other purchases at Costco and at Costco.com.
• 1% cash back on all other purchases.
• ‌ annual_fees annual fee.

Hilton Honors Card from American Express

If your travel plans have you staying within Hilton’s family of hotel brands, consider picking up the card_name . The card earns seven Hilton Honors Bonus Points per dollar spent at hotel properties within the Hilton portfolio. And you’ll get Hilton points for your everyday purchases like gas and groceries. The card earns five Hilton Honors bonus points per dollar spent at U.S. restaurants and U.S. gas stations as well. The card is also a great choice if you’re planning to travel abroad as it does not charge foreign transaction fees.

Here are the details of the Hilton Honors American Express Card:

• 7 Hilton Honors bonus points per dollar spent at any participating hotel within the Hilton portfolio.
• 5 Hilton Honors bonus points per dollar spent at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
• 3 Hilton Honors bonus points per dollar on all other eligible purchases.
• foreign_transaction_fee foreign transaction fee ( Rates & Fees ).
• annual_fees annual fee ( Rates & Fees ).

United Gateway℠ Card

Why we like it:.

United MileagePlus aficionados wanting to pad their mileage balances without paying an annual fee should take a look at the card_name . The card earns two United miles per dollar spent on United Airlines purchases, at gas stations, and on local transit and commuting.

The benefits of the card_name don’t stop with earning miles. The card also offers 25% back on United inflight and United Club premium drink purchases. And the card offers essential travel insurance coverage such as auto rental collision damage waiver, trip cancellation/interruption insurance, and purchase protection.

Here are the details of the United Gateway Card:

• 2 United miles per dollar spent on United purchases.
• 2 United miles per dollar spent at gas stations.
• 2 United miles per dollar spent on local transit and commuting.
• 1 United mile per dollar spent on all other purchases.
• foreign_transaction_fee foreign transaction fees.
• annual_fees annual fee.
• Member FDIC.

Best for American miles: card_name

Citibusiness® / aadvantage® platinum select® mastercard®.

If you want to earn American Airlines miles on your purchases with the airline, there may be no better card than the American Airlines AAdvantage® Mile Up® Mastercard® . The card earns two miles per dollar spent with American Airlines—an earning rate that matches even the airline’s most premium card_name , which carries a annual_fees annual fee. In addition to miles on American Airlines purchases, the card earns two miles per dollar spent at grocery stores.

The card_name has a unique feature among airline cards with no annual fee: The card can help you earn elite status with American Airlines. You earn one loyalty point for every one dollar you spend on purchases. Earning just 15,000 loyalty points in a year gets you Group 5 boarding privileges and a handful of preferred seat coupons. Once you earn 40,000 loyalty points in a year, you get AAdvantage Gold status, giving you access to complimentary upgrades.

Here are the details of the card_name :

• 2 AAdvantage miles per dollar spent on eligible American Airlines purchases.
• 2 AAdvantage miles per dollar spent at grocery stores, including grocery delivery services.
• 1 AAdvantage mile per dollar spent everywhere else.
• Earn 1 loyalty point for every AAdvantage mile earned from purchases.

Delta SkyMilesR Blue American Express Card

Delta Air Lines flyers can earn SkyMiles without paying an annual fee if they hold the card_name . The card_name offers two SkyMiles per dollar spent on Delta purchases and at restaurants, plus a 20% rebate on in-flight purchases. The card does not levy a foreign transaction fee ( Rates & Fees ), making it a solid option for international travelers who prefer SkyTeam.

Here are the details of the Delta SkyMiles Blue American Express Card:

• 2 Delta SkyMiles per dollar spent on Delta purchases.
• 2 Delta SkyMiles per dollar spent at restaurants.
• 1 mile per dollar spent on all other purchases.

Best No Annual Fee Travel Credit Cards Comparison Chart

Our methodology.

To find the best travel credit cards with no annual fee, we looked at the offerings from banks, U.S.-based airlines, and the major hotel chains. To be included in our list, cash back cards had to earn greater than 2% cash rewards on travel. Co-branded hotel and airline cards needed to earn at least two points per dollar on purchases with the brand. In most cases, we found that holding the no-annual-fee card that aligns with your travel brand preferences will earn you the most miles and points.

TIME Stamp: Brand loyalty can be rewarding

If you are a Costco member, the card_name offers the best travel rewards across a variety of travel purchases. If you’re not a Costco member and want a travel credit card that offers the best rewards with no annual fee, go with the entry-level card of your most used travel brand.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

Don’t have your Nedbank ID yet?

Nedbank ID single sign-on gives you full digital access to Nedbank’s banking and lifestyle products and services on the Money app or Online Banking.

Log in to Online Banking or another one of our secured services.

• PERSONAL Personal Private Wealth Business Corporate

Bank your way with low fees and extra benefits.

Enjoy 55 days’ interest free credit and other benefits.

Bank on any device, from anywhere at anytime.

Move your salary and debit orders over easily.

Protect yourself against the latest schemes and scams.

For all your travel, international payments, and foreign currency investment needs.

More rewards at every level as you spend and invest.

• Explore Bank

Great interest rates and easy access to your money.

Local and international wealth management solutions.

All-in-one online trading or broker assistance.

• Explore Save & Invest

Affordable loans and interest rates from R2k to R300k.

Up to 100% property loan and 105% for first-time buyers.

Nedbank offers full or part-time loans to students.

Instant access to credit when you need it.

Easily apply for MFC vehicle finance in 5 steps.

Secure an affordable energy solution when in need.

Debt management support when you need it the most.

• Explore Borrow

Secure your family’s future with up to R2million.

Cover for you and your family in the event of death.

Car, building, house contents, valuables and more.

Bond, credit card, overdraft, loan and car repayments.

Global travel insurance with 24-hr emergency assist.

We have cover for small, medium or large businesses.

Guaranteed income and growth plans for future income.

• Explore Insure

Achieve your financial goals with expert planning.

We’ll help manage your assets, debts and estate planning.

Banking experience with customised solutions and rates.

Our experts are ready to assist when you need them.

• Explore Plan

Let our experts guide you on any financial matter.

• Explore Learn

We’re here to answer questions and resolve queries.

Find your nearest branch, ATM and currency exchange.

• Explore Contact us
• See all accounts
• Premium banking
• Get help choosing
• Goal saving
• Family Banking
• Refugees and asylum seekers
• How-to guides
• Discontinued accounts

Simpler more affordable

• MiGoals Premium
• MiGoals Plus

For children under 16

• MiGoals4Kids

For 16 to 26 year olds

For 55 years and older

• MiGoals Premium Senior

Personalised banking services

• Pay-as-you-use
• Young Professionals
• Private Bundle and Private One

The globally integrated account

• Private Wealth Bundle

Your phone is your bank account

• Credit cards
• See all cards
• How to guides

Credit from only R40 pm

Double Greenbacks rewards

• Amex Platinum

Faster mile earnings

• Digital banking
• Switch to Nedbank
• Fraud awareness
• Exclusive discounts

Money available at any time

Cash in your hand the next day

• PlatinumInvest
• Tax-free Savings
• MoneyTrader
• EasyAccess Fixed Deposit
• PrimeSelect

Funds ready within a month

• Electronic 32Day Notice
• 32Day Notice

Investments left until maturity

• Tax-free Fixed Deposit
• Electronic Fixed Deposit
• Electronic Optimum Plus
• Platinum Fixed Deposit
• Fixed Deposit
• OptimumPlus
• Investment services
• Share trading
• Personal loans
• Explore loans
• Loan consolidation
• Secondhand car loan
• Home improvement loan
• Exclusive short-term loan offers
• Explore home loans
• Track application
• Building loan
• Switching home loan
• Repossessed properties
• Start your home buying journey
• Solar-energy Finance
• Earn R32,000 p/m or less? See offer
• HomeVision extra funds
• Home-buying Toolkit
• Managing your home loan
• Student loans
• Explore student loans
• Vehicle finance
• Solar finance
• Debt assistance
• Consolidate all your debts into a simple loan | Nedbank
• Short-term payment relief | Nedbank
• Take charge and restructure your finances | Nedbank
• Assisted-sales solutions for homes and vehicles | Nedbank
• Flexible payment plans for loans and credit | Nedbank
• Understanding how repo rate works | Nedbank
• Get a call back
• Explore MyCover life
• Funeral cover
• Explore MyCover Funeral
• Individual R10,000
• Individual R30,000
• Family Cover
• Build your own cover
• Short term insurance
• Explore MyCover short term insurance
• Vehicle insurance
• Building insurance
• House contents insurance
• Valuables insurance
• Credit Life
• Explore credit life
• Home loan credit life
• MFC Vehicle Finance Assurance
• Overdraft Assurance
• Balance Protection Plan
• Personal loan Assurance
• Travel insurance
• Business cover
• Secure investments
• Guaranteed Growth Income Plan
• Guaranteed Growth Plan
• Financial planning
• Investment planning
• Insurance planning
• Retirement planning
• Estate, wills & trust services
• Will drafting
• Ensure your estate is managed by an executor | Nedbank
• Trust services
• Financial accounting
• Tax services
• Leave the admin of your estate to us, and not to your loved ones | Nedbank
• Nedbank Private Wealth
• Speak to a financial adviser
• Save & Invest
• Login & Register
• Online Banking
• Online Share Trading
• NetBank Business
• Nedbank Greenbacks
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• Everyday banking
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• Youth banking
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• Private Clients
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Kids And Teens Balance 

Competition terms and conditions.

1.  The promoter

Nedbank Limited, registration number 1951/000009/06 ( we, us, our ), runs this competition. We reserve the right to make it available to a select group of clients only.

2. Competition periods

2.1 The competition will run during the following 3 qualifying months ( competition period ):

2.1.1 June 2024

2.1.2 September 2024

2.1.3 December 2024

3. Who can and cannot participate in the Competition

3.1 A participant ( you, your ) must:

3.1.1 be 15 years or younger; 

3.1.2 reside in South Africa;

3.1.3 have a South African birth certificate or be a foreign national with proof of identification and legal status in South Africa; 

3.1.4 have a Nedbank4Me or Nedbank MiGoals4kids Account ( qualifying account ); and

3.1.5 ensure that your account is in good standing, which means that it may not be in arrears or have been handed over for legal collection.

3.2  Your legal guardian or parent responsible for oversight of your qualifying account must have received an SMS (or a push notification via the Nedbank Money app) during your qualifying month inviting you to participate in this competition.

3.3 Our employees (including temporary and contract employees), associated companies, agents, contractors, and sponsors may not participate in the competition. 

4. How to enter

4.1 To stand a chance to win the prize, you must do the following during the competition period:

4.1.1 You must have an average balance of at least R500 in your qualifying account for the duration of the qualifying month in which you participate. 

4.1.2 Your legal guardian must have received the invitation in 3.2 during the qualifying month in which you participate for you to be entered into 1 draw. 

5. The prize

5.1 A total of 30 participants stand a chance to win double their average balance up to R5 000.

5.2 There will be 10 winners for each 1 of the qualifying months, ie:

5.2.1 10 winners in June 2024; 

5.2.2 10 winners in September 2024; and

5.2.3 10 winners in December 2024.

6. Selection of the winners

6.1 The random computer-generated draws to select the winners will take place on 22 July 2024, 22 October 2024 and 22 January 2025 via Microsoft Teams and will be recorded. 

6.2 If you win, the following applies:

6.2.1 You will receive the prize only once we have verified and confirmed your details, including your compliance with these terms and conditions.

6.2.2 We will SMS your parent or legal guardian on the cellphone number that we have on record within 7 business days of the draw date for the qualifying month in which you participated.  

6.2.3 We will deposit the prize directly into your qualifying account within 7 business days after we have notified your parent or legal guardian. 

6.2.4 You may receive the prize only once during the competition period. 

6.2.5 We will not be responsible for any technical failures affecting your participation in the competition or if your entry has been left out from participation.

6.2.6 If a dispute arises, our decision will be final and binding on all aspects of the competition, and we will not discuss the matter further.

6.2.7 We will not be responsible for any delays in you or your parent or legal guardian taking up the prize. 

6.2.8 We will give the prize directly to you or your parent or legal guardian and not to anyone else. 

6.2.9 We will not be liable for delays or failure to deliver any part of the prize resulting from acts beyond our reasonable control. We will let you know as soon as reasonably possible if your prize is affected in this way. 

6.2.10 We reserve the right to replace the prize at any time with another of similar commercial value.

7.1 All the information about the competition, including information that is published on any competition material, is part of these terms and conditions.

7.2 By entering the competition, you agree to be bound by these terms and conditions.

7.3 These terms and conditions are available on our website at nedbank.co.za throughout the competition period.

7.4 If you win, we may ask you to consent in writing to endorsing, promoting, and advertising any of our services, without payment. If you decline our request, you will still receive the prize. 

7.5 By entering the competition, you acknowledge that your personal information needed for this competition will be shared with us and our agents, but only to the extent necessary for the competition. Your personal information will be used in line with South African consumer and data protection laws.

7.6 We may extend, shorten or cancel the competition immediately and without notifying you if it is permitted by law, if we must do so by law, or for reasons beyond our control. If this happens, you will give up any rights that you may have in terms of this competition and you will have no recourse against us or our agents, contractors, or sponsors as a result of the extension, shortening or cancellation.

7.7 We or our directors, employees, agents, or suppliers will not be responsible for any direct or indirect loss or damage resulting from your participation in the competition, or for any accident, injury, harm, damages, costs or death that you or any other person who participates in the prize sustains at any point during the fulfilment of the prize.

8. More information 

For more information about the competition, call us on 0800 555 111. 

Want a free upgrade to first class? The only hack is your wallet. | Cruising Altitude

• Don't expect to get a free upgrade anymore.
• Airlines have gotten smarter about pricing their premium cabins.
• You can pay for an upgrade, use miles or buy extra legroom seating.

There’s no such thing as a free lunch, and no matter what the internet may try to tell you, there’s also basically no such thing as a free upgrade on a plane anymore. 

You can’t “hack” your way into the pointy end of the plane by wearing a collared shirt or flirting with your flight attendant . You’re not going to get a lie-flat bed by asking nicely at the gate, and no one is popping Dom Perignon as a predeparture beverage for you just because you think you have a strategic check-in time.

“It’s just not going to happen,” Brett Snyder, author of the blog Cranky Flier and owner of the travel agency Cranky Concierge, told me. 

Part of the problem is airplanes are just fuller now than they used to be, and airlines have gotten smarter about pricing their seats.

“First class fares used to be so high that people wouldn’t buy them, and instead you just had massive numbers of elite upgrades and all different sorts of people sitting up there that weren’t paying for it, they were just getting it as a perk,” Snyder said. “At some point, the airlines realized, if we start pricing this as a fare upsell, we can get people to actually pay for these seats. Now you have a lot fewer seats that are available for an upgrade because people are buying.” 

As someone who has paid cash more than once to upgrade, I can vouch for this. Suppose the price is reasonable and I’m feeling generous to myself at the check-in counter. In that case, I’ll happily spend the extra money to guarantee myself a more comfortable seat, especially on a long flight.

It cuts the other way, too. I once flew overnight from New York to Paris and was willing to spend a few hundred dollars to upgrade myself to a lie-flat seat at the gate if the option was available. The airline quoted me almost $1,000 to upgrade, and the seats wound up occupied by non-paying passengers who worked for the airline instead. From the perspective of the airline’s bottom line and my own comfort, that was a bad pricing decision.

“If people had too much ability to upgrade travelers at the gate (for free) or whatever it was, that was likely something that was leaving money on the table for them,” Snyder said.

So, how can you get upgraded? There are no hacks, but here’s my advice.

“The best way to get a premium seat is to pay for it. This is not rocket science, this is kind of basic,” Snyder told me. “That’s what it comes down to. The majority of seats and the majority of people who sit in the front cabins are paying for it. That’s the most surefire way to make sure you’re going to get it.” 

You just can’t count on getting an upgrade when so many people are willing and able to pay for the luxury. Airlines are also pricing their premium cabins more liberally now. Business travel still has not fully bounced back to its pre-pandemic levels, but there’s been strong and steady demand in the premium leisure segment, and airlines have taken note. They’ve priced things to entice people to buy up during their personal travel, even when their company isn’t footing the bill.

You can, of course, pay right at the beginning of your booking by buying a premium ticket when you first get your flights, but you should also keep an eye on cash upgrade offers right up until departure time. You never know what the airline revenue management gods will make available. 

Pay (but differently)

“But Zach,” I hear you saying, “I’m an ultra-elite frequent flyer, and I get free upgrades all the time.”

To which I say: No, you don’t.

You may not be paying out of pocket for those upgrade perks at the gate, but that doesn’t mean you’re not paying for them at all. To get frequent flyer status, you need to spend a bunch of money with the airline or an even bigger bunch of money on one of its co-branded credit cards, which likely also has a hefty annual fee.

Cruising Altitude: Don't bother with an airline loyalty program if you're this traveler.

One way or the other, you’re paying for that upgrade, even if it’s not directly.

Frequent flyers also usually have lots of loyalty points, which, again, they have to pay to earn, but those points or miles can be useful for securing upgrades.

“You can also use miles to upgrade, even if you don’t have status,” Snyder said. In addition to cash upgrades, airlines often let you redeem miles for buy-ups to premium cabins.

Pay (but less)

Maybe you’ve decided it’s just too much effort or too financially taxing to upgrade yourself to business class, and that’s OK. You have other options.

“You can always pay for extra legroom seating, but depending on the airline, that can be a very modest upsell,” Snyder said.

It’s usually not as expensive to upgrade from a regular economy seat to an extra-legroom economy seat, and if all you care about is a little more knee space, this can be a good option. 

“Don’t expect that you’re going to be able to game the system and find this magical loophole. It’s just not going to happen. So figure out what you’re OK with and make sure you have that arrangement before you get to the airport,” Snyder said. “If you’re booking something you absolutely cannot tolerate – you’re 7 feet tall and book coach on Spirit, don’t do that.” 

If you’re determined not to pay for anything above the lowest economy fare, you can always pray for an empty adjacent seat. 

Zach Wichter is a travel reporter for USA TODAY based in New York. You can reach him at [email protected].

The Key Points at the top of this article were created with the assistance of Artificial Intelligence (AI) and reviewed by a journalist before publication. No other parts of the article were generated using AI. Learn more .

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Your 2024 Credit Card Checklist for Summer Travel

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Checklists are a key step in travel preparation for many people. Passport — check. Phone charger — check. But have you checked to make sure you’re fully utilizing the travel perks offered by your credit card?

Whether you’re a seasoned jetsetter or a novice traveler seeing the world for the first time, benefits from the right credit card can make a trip more convenient and more comfortable. That’s good news for the 50% of Americans who plan to travel more in 2024 than 2023, according to a survey by IPX1031, a Fidelity National Financial Company.

Here’s a credit card checklist to review before you hit the road this summer.

1. Bring a card

First things first — be sure to bring a credit card! Many airlines, and even entire airports, are now cash-free. That means you’ll need a card to pay for that pre-departure drink or in-flight snack. You might even earn bonus rewards.

For example, if restaurants are a bonus category for your card, sit-down establishments within the airport will usually still earn that higher rewards rate. If your card earns a bonus on travel purchases, you'll usually earn that bonus for in-flight purchases.

2. Register for TSA PreCheck, Global Entry or Clear

Airports are more crowded than ever, with air passenger growth up 6% and foreign travel up 24% year over year, according to a study conducted by the U.S. Travel Association and Tourism Economics.

To ease the burden of long lines, check if your card offers a credit that covers the cost of TSA PreCheck , Global Entry or Clear . These programs allow you to speed through the line at security or customs, but since they all require a background check and an in-person interview, you'll need to register well before your trip. Even if you haven’t been verified for this trip, register today to prepare for your next trip.

3. Register for lounge access

Airport lounges offer a reprieve from the hustle and bustle of the airport terminal, with most offering free food and drinks. If your card offers access to Priority Pass lounges, you’ll need to register for that benefit before you hit the road.

Don’t forget your physical membership card, or even easier, download the Priority Pass app and use your phone to access the lounge.

4. Notify your issuer of your travel plans

Few things can create issues like having your card unexpectedly stop working when you’re away from home, especially internationally. With rates of credit card fraud increasing, it’s possible your card could stop working if you’re spending outside of your normal patterns or locations. To preempt this, notify your issuer before you travel. Often you can do this online or through the app, but just in case, be sure to travel with at least two cards .

5. Avoid paying foreign transaction fees

If you’re traveling abroad, make sure you have a card that doesn’t charge foreign transaction fees . If your card does levy those fees, try to get a different card before you leave the country.

6. Pay with your most rewarding card

Be sure to identify opportunities to leverage your trip and earn outsized rewards. For example, if you know you’ll be staying at a Hilton brand hotel, you might consider applying for one of the Hilton credit cards offered by American Express and earn up to 14 Hilton points per dollar you spend at the hotel. Those points can stack up fast and easily defray costs for your future travel.

But you'll need to bring the physical card with you. Many hotels aren't able to accept digital wallet payments, so if you can't swipe your card, you'll miss out on those heightened rewards.

7. Check your card’s money-saving offers

Many issuers have programs, such as AmEx Offers, Chase Offers and BankAmeriDeals from Bank of America, that let you add rotating promotional offers to your card and earn additional points or cash back for making purchases at specific merchants. Be sure to review these offers for any merchants where you might spend during your travels. Just be aware of the fine print — often these offers exclude, or only include, international merchants.

On a similar note...

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Nedbank Travel Card

Features and benefits.

• Load up to 8 international currencies with locked-in exchange rate.
• The card will automatically use the currency of the country where you are using the card.
• Get a free back-up card.
• We will arrange emergency cash for you should you lose both your cards.
• No commission charged when you cash out your card on returning from your travels.
• Reloadable and has a life span of 3 years.
• Accepted globally at more than 34 million ATMs and merchant point-of-sale (POS) locations.
• Remotely top-up your funds by emailing  [email protected]  with your request.
• View your transactions on the Nedbank Money app.

How to apply

Visit any Nedbank Forex Branch 

Lost card replacement

Should your card be lost or stolen, please call the Nedbank Contact Centre immediately on +27 (0)860 555 111 to block it as soon as you realise that it is missing.

When you block one of the cards, the other card will remain active so you will still be able to spend abroad.

Additional information

Before you travel

• Ensure that you sign the back of both cards, mainly to help merchants verify whether or not you are the owner of your card.
• Change the PIN to one you will remember. Each card can have a different PIN if you so choose. If you choose to use the PIN it is issued with,  memorise it and keep the printed PIN separate from your cards at all times.
• Download and register on the Nedbank Money app from your app store, your card will be automatically registered. This will ensure you can track your spend and always know what the current balances of your currency pocket balances on the go.

While you travel

• Always take the additional card with you when you travel and keep it in a safe place while you go sightseeing with your primary card.
• Swipe your card at POS for free.
• Use your card at ATMs to safely withdraw the currency of the country you are visiting.

When you return from your trip

• Ensure that you cash out the remaining funds on your Nedbank Travel Card within 30 days after returning from your travels, as required by the South African Reserve Bank.
• Store your cards and PINs safely so you can use them again when you travel in the future. 

Important notice

There are no transaction limits on the card, although some ATMs may impose a maximum withdrawal limit, which is outside our control.

Discounted travel offers – Save up to 30% on flights and accommodation.

Enjoy travel deals at a great discount, exclusive to Nedbank cardholders.We have partnered with some of the world’s leading airlines to secure great travel deals. Nedbank cardholders can now save up to 30% on their travel purchase when they book and pay with their Nedbank Credit, Debit and American Express® Cards.

Orlando Pirates to play Sundowns in the Nedbank Cup final. Image: Backpagepiz

Nedbank Cup final: Why Pirates are expected to ‘catch hands’

Orlando Pirates and Mamelodi Sundowns face off in the final of the Nedbank Cup on Saturday afternoon in Mbombela.

Orlando Pirates and Mamelodi Sundowns will face off in the Nedbank Cup final this Saturday at the Mbombela Stadium.

The two giants meet once again in a cup final this season . The Buccaneers emerged 3-1 winners in the MTN8 final following a dramatic penalty shootout in Durban. On paper, the two teams looked evenly matched going into the final but the reality is Downs have an advantage.

The Brazilians will face Pirates in the Nedbank Cup final without at least nine players including former Bucs stat Thembinkosi Lorch. Sundowns coach Rulani Mokwena confirmed that the winger was out due to an injury. Key players such as Aubrey Modiba and Grant Kekana missed the team’s last match due to hamstring injuries.

Going into the Nedbank Cup final, Orlando Pirates have not won their last three matches which is a concern. Although Jose Riveiro’s side managed to finish second in the DStv Premiership behind Sundowns, the side is far from convincing having lost to teams like TS Galaxy and Richards Bay. Their defensive record has also been questionable having conceded 26 goals compared to Downs’ 11.

Pirates and Sundowns clash in the Nedbank Cup final

When looking Bafana Ba Style, their defence looks solid and organised. With Ronwen Williams calling shots from the back, it makes it easier for the likes of Kekana and Mothobi Mvala to deal with potential threats. Sundowns love to build from the back and hold on to possession, which might frustrate Pirates. The Buccaneers are vulnerable on the left side of defence and ironically, that’s where Downs are most dangerous. Thapelo Morena and Khuliso Mudau will have a feast on the flank regardless if the Sea Robbers play Innocent Maela or Deon Hotto.

Pirates are the current defending Nedbank Cup champions but might find this year’s final more difficult.

Masandawana favourites to claim the Nedbank

Teboho Mokoena has been well rested for the final and expect the maestro to boss the midfield. The 27-year-old has been on form since returning from the Africa Cup of Nations. If Pirates are to win the Nedbank Cup final, they need to play their best game of the season to neutralize the Downs attack.

Virseker werp lig op die mees algemene geboueverwante uitdagings wat verbruikers ondervind. 

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Find the best credit card for you

Best family travel credit cards of 2024, unlock award flights, hotel stays and airport lounge access with the top family travel credit cards..

Family travel is a rewarding but complicated endeavor, and every family member you add to the trip increases the cost. However, planning ahead and using the right travel credit card can save you money and make your trips more comfortable.

The best family travel credit cards earn valuable points, miles or cash-back and offer benefits like airport lounge access that the whole family can enjoy. Here are CNBC Select's top picks for families looking to upgrade their next vacation. (See our methodology for more information on how we choose the best travel credit cards for families.)

Best family travel credit cards

• Best for no annual fee: Wells Fargo Autograph℠ Card
• Best for domestic flights: Southwest Rapid Rewards® Priority Credit Card
• Best for lodging:   Chase Sapphire Preferred® Card
• Best for airport lounge access: Capital One Venture X Rewards Credit Card (see rates and fees )
• Best for fair credit: Citi Double Cash® Card

Best for no annual fee

Wells fargo autograph℠ card.

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

Welcome bonus

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

$0 annual fee

0% intro APR for 12 months from account opening on purchases

Regular APR

20.24%, 25.24%, or 29.99% variable APR

Balance transfer fee

Up to 5%, min: $5 

Foreign transaction fee

Credit needed.

Excellent/Good

See rates and fees , terms apply.

• No annual fee
• Solid rewards on broad spending categories
• 0% intro APR offer
• Get up to $600 cell phone protection (subject to a $25 deductible)
• Valuable welcome offer
• Access to My Wells Fargo Deals to earn cash back in the form of an account credit when shopping, dining
• No balance transfer offer

Who's this for?  The Wells Fargo Autograph℠ Card stands out for those seeking a no-annual-fee travel credit card as it has a long list of 3X bonus categories and earns transferrable points.

Standout benefits: The points earned with this card can be transferred to a growing list of airline and hotel partner programs, including British Airways Executive Club, Avianca LifeMiles and Air France/KLM Flying Blue. Having these various redemption options increases the value of your points as it allows you to take advantage of sweet spots with different programs.

[ Jump to more details ]

Best for domestic flights

Southwest rapid rewards® priority credit card.

Earn 3X points on Southwest® purchases, 2X points on local transit and commuting, including rideshare; 2X points on internet, cable, and phone services; select streaming. 1X points on all other purchases

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

21.49% - 28.49% variable

5%, minimum $5

Foreign transaction fees

Terms apply.

• Southwest upgraded boarding on up to 4 tickets per year
• 7,500 bonus points on each account anniversary
• $75 Southwest annual travel credit
• 4 upgraded boardings per year when available
• $149 annual fee
• No special financing offers

Who's this for?  With free checked bags for all passengers and a family-friendly seating policy, Southwest is great for families, and the Southwest Rapid Rewards® Priority Credit Card can help you save on your trips.

Standout benefits: This card can help families earn the Southwest Companion Pass more easily as the points from its welcome bonus count toward the 135,000-point threshold. Cardholders also receive a 10,000-qualifying-point boost every calendar year. The Southwest Companion Pass is valuable for families as it allows you to bring along a guest on any Southwest flight for the cost of taxes and fees.

Best for lodging

Chase sapphire preferred® card.

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, and $50 annual Chase Travel Hotel Credit, plus more.

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℠.

21.49% - 28.49% variable on purchases and balance transfers

Either $5 or 5% of the amount of each transfer, whichever is greater

Read our Chase Sapphire Preferred® Card review .

• Points are worth 25% more when redeemed for travel via Chase Travel℠
• Transfer points to leading frequent travel programs at a 1:1 rate, including: IHG® Rewards Club, Marriott Bonvoy™ and World of Hyatt®
• Travel protections include: auto rental collision damage waiver, baggage delay insurance and trip delay reimbursement
• No fee charged on purchases made outside the U.S.
• $95 annual fee
• No introductory 0% APR

Who's this for?  The Chase Sapphire Preferred® Card is an amazing all-around travel card, but can be especially valuable for booking your hotel stays and other lodgings.

Standout benefits: The points earned with this card can help you book everything from an Airbnb to a suite in a luxury hotel. At a minimum, Chase Ultimate® Rewards points are worth one cent for statement credits and gift cards. However, your points are automatically worth 25% more when redeemed through the Chase Travel SM portal and potentially more when transferred to one of Chase's airline or hotel partners.

Best for airport lounge access

Capital one venture x rewards credit card.

Unlimited 2X miles on all eligible purchases, and 5 Miles per dollar on flights and 10 Miles per dollar on hotels and rental cars when booked via Capital One Travel portal

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

19.99% - 29.99% variable APR

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Read our Capital One Venture X Rewards Credit Card review.

• Large welcome bonus
• No foreign transaction fees
• Up to $100 statement credits for either Global Entry or TSA PreCheck®
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• High annual fee
• No introductory 0% APR period

Who's this for? The Capital One Venture X Rewards Credit Card is great if you're looking for a premium credit card with easy-to-use benefits.

Standout benefits:  This card offers generous airport lounge access, including unlimited access to Capital One Lounges , Priority Pass Lounges and Plaza Premium lounges. You can bring up to two guests to Capital One and Plaza Premium lounges and unlimited guests to Priority Pass Lounges. Better yet, airport lounge access benefits extend to authorized u sers on your card, and you can add up to four for no additional fee.

Best for fair credit

Citi double cash® card.

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

0% for the first 18 months on balance transfers; N/A for purchases

19.24% - 29.24% variable

For balance transfers completed within 4 months of account opening, an intro balance transfer fee of 3% of each transfer ($5 minimum) applies; after that, a balance transfer fee of 5% of each transfer ($5 minimum) applies

Fair/Good/Excellent

Read our Citi Double Cash® Card review.

• 2% cash back on all eligible purchases
• Simple cash-back program that doesn't require activation or spending caps
• One of the longest intro periods for balance transfers at 18 months
• 3% fee charged on purchases made outside the U.S.
• Estimated rewards earned after 1 year:  $443
• Estimated rewards earned after 5 years: $2,213

Who's this for? The Citi Double Cash® Card is perfect for families with less-than-perfect credit who don't want to bother with a complicated rewards program.

Standout benefits: Most cash-back credit cards and rewards credit cards earn 1% back or 1X points on purchases that fall outside of special bonus categories. With the Citi Double Cash , you get double the return: 1% cash back when you buy and 1% cash back when you pay. Over time this adds up and there is no limit to how much cash back you can earn.

More on our top credit cards for family travel

The Wells Fargo Autograph℠ Card is a rare no-annual-fee card that earns transferrable travel rewards.

• 3X points at restaurants
• 3X points on travel
• 3X points on gas
• 3X points on transit
• 3X points on popular streaming services
• 3X points on phone plans
• 1X points on all other purchases

Earn 20,000 bonus points after spending $1,000 on purchases with the card in the first three months of account opening.

Notable perks

One of the best features of this card is its ability to transfer points to travel partners. You can transfer Wells Fargo rewards to these airline and hotel programs:

• Aer Lingus AerClub
• Air France/KLM Flying Blue
• Avianca LifeMiles
• British Airways Executive Club
• Iberia Plus
• Choice Hotels

If you prefer simplicity, you can still redeem your points for one cent each for statement credits, gift cards and travel booked through the Wells Fargo rewards site.

When you pay your monthly phone bill with the card, you'll not only earn 3X points but also qualify for cell phone protection . This coverage will reimburse you for up to $600 per claim with a $25 deductible (up to two claims per 12 months). It also has no foreign transaction fee, roadside dispatch, travel and emergency assistance and rental car collision coverage (secondary in the U.S.).

New cardholders also receive an intro 0% APR on purchases for the first 12 months, then a variable 20.24%, 25.24% or 29.99% applies.

[ Return to card summary ]

The Southwest Rapid Rewards® Priority Credit Card is a family-friendly airline card with more than enough benefits to justify its annual fee.

• 3X points on Southwest purchases
• 2X points on hotel and rental cars booked through Southwest
• 2X points on local transit
• 2X points on internet, cable and phone services

Earn 50,000 bonus points after spending $1,000 on purchases in the first three months of account opening.

The points you earn from this card's welcome offer and spending on the card can help you earn a Southwest Companion Pass. On top of that, you also receive a 10,000-qualifying-point boost every calendar year. Anyone pursuing Southwest elite status will appreciate the opportunity to earn 1,500 tier qualifying points (TQPs) for every $5,000 you spend annually with no cap on the number of TQPs you can earn.

Every year, you'll receive two benefits that can offset the annual fee alone: A $75 Southwest travel credit and 7,500 bonus points. Experts value Southwest points at around 1.3 cents per point , which makes the annual bonus points worth roughly $97.50 in Southwest flights.

Every Southwest ticket comes with two free checked bags , no cancellation fees and no change fees, and with this card, you'll get reimbursed for up to four upgraded boardings per year. Southwest doesn't have assigned seats, so upgraded boarding becomes more valuable, especially for families that need to sit together. If you don't want to pack snacks for the trip, you'll receive 25% back on inflight purchases when you use this card.

The Chase Sapphire Preferred® Card is a popular travel rewards card with useful benefits and a lucrative welcome bonus, all for an annual fee under $100 .

• 5X points per dollar on travel purchased through Chase Travel℠
• 5X points per dollar on Lyft rides through Mar. 31, 2025
• 5X points on Peloton equipment and accessory purchases over $150 (through March 31, 2025; max of 25,000 total points)
• 3X points per dollar on dining
• 3X points per dollar on online grocery purchases (excluding Target, Walmart and wholesale clubs).
• 3X points per dollar on select streaming services
• 2X points per dollar on all other travel purchases
• 1X points per dollar on all other purchases

Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

The Chase Sapphire Preferred comes with many valuable protections, including  primary rental car insurance , trip cancellation and interruption insurance, purchase protection , extended warranty protection and baggage and trip delay insurance. On top of that, you pay no foreign transaction fee and for every card anniversary you'll receive a 10% points bonus based on how many points you earned the previous year.

You'll also have access to several statement credits, including up to $50 hotel credit for bookings you make through Chase's travel site. Cardholders can also register to receive six months of free Instacart+ membership (activate by July 31, 2024) and up to $15 back each quarter for Instacart purchases (through July 2024). You can also enroll to receive a complimentary DashPass membership for a minimum of one year when you activate by December 31, 2024.

Perhaps the best feature of this card is that it unlocks the ability to transfer Chase Ultimate Rewards points to 14 airline and hotel partners. Chase has a long list of valuable partners including United MileagePlus, Southwest Rapid Rewards, Air Canada Aeroplan, World of Hyatt Hyatt and more. You'll also receive a 25% bonus when you pay for travel you book through the Ultimate Rewards site, which means you'll get a value of 1.25 cents per point. Occasionally, Chase offers discounts on gift card redemptions and you may be able to pick up Airbnb gift cards for 1.1 cents per point.

The Capital One Venture X Rewards Credit Card is a top-rated travel credit card offering premium perks for a significantly lower annual fee than luxury cards with similar benefits. 

• 10X miles per dollar on hotels and rental cars booked via Capital One Travel portal
• 5X miles per dollar on flights booked via the Capital One Travel portal
• 2X miles on all other eligible purchases

Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.

$395 (see rates and fees )

The Venture X's annual fee is one of the easiest premium credit card fees to justify thanks to its straightforward benefits. Every year cardholders receive up to $300 in Capital One Travel credit and 10,000 anniversary bonus miles, which are worth at least $100 in travel.

On top of that, when you apply for Global Entry or TSA PreCheck® you'll receive an application fee credit of up to $100. Once through security, enjoy unlimited access to Priority Pass airport lounges, Plaza Premium Lounges and Capital One Lounges. You can add up to four authorized users for no additional fee and each authorized user receives the same airport lounge access for themselves and guests.

Eligible purchases are covered by the following travel and purchase protections:

• Rental car damage and theft insurance (primary)
• Cell phone protection
• Purchase security
• Return protection
• Extended warranty protection
• Trip delay reimbursement
• Trip cancellation and interruption insurance
• Lost luggage reimbursement
• Travel accident insurance
• Travel and emergency assistance services

You can transfer the Capital One miles you earn with this card to partners like Air Canada Aeroplan, Avianca LifeMiles, Wyndham Rewards, Emirates Skywards and many more.

Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.

The Citi Double Cash® Card is a no annual fee cash-back credit card with a straightforward rewards structure and useful intro APR offer for balance transfers.

• 5% total cash back on hotels, rental cars and attractions you book through Citi Travel (through Dec. 31, 2024)
• 2% cash back on all other purchases (1% cash back when you buy and 1% cash back when you pay)

Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening. 

The Citi Double Cash is an excellent option for balance transfers because new card members receive an intro 0% APR on eligible balance transfers for the first 18 months, then a variable 19.24% - 29.24% APR applies. There is an intro balance transfer fee of 3% of the amount of each transfer ($5 minimum) for the first four months, after that the balance transfer fee is 5% of each transfer ($5 minimum).

While this is technically a cash-back card, it earns cash back in the form of Citi ThankYou points . You can redeem these points at a value of one cent each for statement credits, gift cards, travel and more. You also have access to a limited number of Citi's travel partners and can transfer the points you earn with this card to Wyndham Rewards, Choice Hotels or JetBlue TrueBlue.

How do I choose the best travel credit card for my family?

The best travel credit card for your family depends heavily on where you want to go and what you want to use credit card rewards and benefits for. Some cards are great for airline redemptions, while others are better for hotel stays or cash-back rewards. Knowing your travel goals can help you hone in on the right choice for your situation.

Can you add family members to a credit card?

You can add family members to your credit cards as authorized users. However, it's important to understand the fine print because there can be an additional fee for adding authorized users and authorized user card benefits may be limited.

Is it better to use Visa or Mastercard in Europe?

Visa and Mastercard are both widely accepted in Europe and beyond. Both of these payment networks tend to be more universally accepted in Europe than Discover or American Express.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel credit cards for families.

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Our methodology

To determine which cards offer the best value for family travel, CNBC Select analyzed over 250 major credit cards issued through FDIC-insured banks and NCUA-insured credit unions that are widely available in the U.S.  

We compared each card on a range of features, including rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back).    We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.  

For the cards that offered a rewards program, we considered consumer spending data f orecasts from location intelligence firm Esri to determine where U.S. consumers are spending the most money, like on dining and travel. We used this to help determine what bonus categories are most useful for consumers. Since the value of a point or mile varies based on what they can be redeemed for, we also considered things like transferability and the ability to redeem for cash-back. 

When choosing the best family travel credit cards, we focused on cards that offer perks or rewards that make sense for families. 

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For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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