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Exchange Rates

Welcome to Ramsdens Currency, where you can exchange over 40 currencies with confidence, ease, and great rates. Our exchange rates page is where you will find our most up-to-date rates, so you can make informed decisions about your currency exchange.

At Ramsdens Currency, we believe that getting your currency before you fly is an essential part of any successful travel experience. This is because exchanging currency at the airport can be expensive and time-consuming, often resulting in poor exchange rates and high fees. With Ramsdens, you can avoid the long lines and steep fees and have the convenience of receiving your money at one of our over 150 branches throughout the UK.

So, why should Ramsdens be the place to exchange your currency? First and foremost, we pride ourselves on providing the most competitive exchange rates. We update our rates regularly to ensure that we always offer our customers the most up-to-date exchange rates, and our exchange rates are often better than our competitors' rates.

Another reason why Ramsdens Currency is a great place to exchange your currency is our exceptional customer service. We believe that providing excellent customer service is crucial to maintaining our customers' trust and loyalty. That's why we have a team of knowledgeable and friendly staff who are always on hand to help you with any queries or concerns you may have.

Convenience is also a key factor in our currency exchange service. With over 160 branches across the UK, you can easily find a Ramsdens branch near you.

Now, let's address some of the most common questions that travellers have about exchanging currency:

When is the best time to exchange currency?

The best time to exchange currency is when the exchange rate is favourable to you. Exchange rates can be influenced by a variety of factors, including economic and political events, so it's important to keep an eye on the exchange rate before you make your currency exchange. We recommend that you keep an eye on our exchange rates page to stay up-to-date with the latest rates.

How much cash should I carry when travelling abroad?

The amount of cash you carry when travelling abroad depends on your destination and your travel plans. We recommend carrying enough cash to cover your immediate expenses, such as transportation, meals, and accommodation, and keeping the rest of your money in a bank account or on a credit or debit card. This way, you can avoid carrying too much cash and reduce the risk of losing money.

Can I use my credit or debit card abroad?

You can use your credit or debit card abroad, but you may incur additional fees, such as foreign transaction fees and currency conversion fees. It's always a good idea to check with your bank or card provider before you travel to find out what fees you may be charged.

Can I exchange currency at the airport?

You can exchange currency at the airport, but the exchange rates and fees can be high. We recommend that you exchange your currency before you travel to ensure that you get great exchange rates and avoid additional fees.

What can I do with leftover currency?

We have a buyback guarantee that allows you to sell back up to 30% (and to a maximum of £750 per currency) of any unused foreign currency you purchased from Ramsdens, at the same exchange rate you originally bought it for.

Ramsdens Currency is a fantastic place to exchange your currency before you travel. With our competitive exchange rates, exceptional customer service, and convenient branch locations, we are confident that you will have a hassle-free and seamless currency exchange experience with us. Visit our exchange rates page today and find out why Ramsdens Currency is the number one choice for travellers across the UK.

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hi just wondering if anyone has got a prepaid travel card with money on from ramsdens an used in Alcudia,just worried about what shops bars rtc will accept them thanks x

Anywhere that takes a debit/credit card will take them, they are no different. Theres plenty of places that take cards and plenty that still don't, preffering cash...

I got a Ramsdens travel card 8 days ago for my son who was travelling to Magaluf on his 1st holiday.

Firstly we were charged £4.95 for it, which I was aware of but had no choice but to pay this as my son was not with we me when I changed his currency and they were the only people willing to issue a travel card without him being there. (Other suppliers do not charge for their cards, however, we did have a good exchange rate which made up for this).

Secondly after I loaded the card with currency they then only informed me that any remaining currency on the card when he returned would have a flat rate of £10 to change back into sterling. (othercards do this for free).

Thirdly, 3 days into his holiday he told me that he was unable to withdraw money from ATM, spoke to Ramsdens who informed me it was because he had insuffient funds in his account, so I loaded another £200 onto card.

2 days ago I checked his account and it showed an available balance if 108.40 euros. I told him to withdraw 100 Euros from the ATM to leave as little as possible on the card to avoid this £10 charge on getting back into the U.K.

He did this and I have checked his account tonight and it is still showing he has 108.40 euros left!! Great you might think, I have totalled up what his account is showing as being spent and it is correct, however, this must mean that the available balance showing 2 days ago was incorrect. When I examined his account in more detail when I reloaded the card mid holiday he still had 120 euros available when ramsdens told me he had insufficient funds. This leads me to believe that the account details are not kept upto date.

I have had a travel card from a different retailer before and it is a great idea. You can withdraw cash from ATMs for a small fee, and purchase in shops and restaurants, basically using it where you see a Visa or MasterCard sign. When I had my travel card for a previous trip (Cash Passport) I was able to keep track of spending online, it was always upto date.

I am sure you will be fine in Alcudia with a travel card, however, I would never ever get a Ramsdens card again.

The Ramsdens travel card is a Mastercard and you can use the card at any location or ATM that takes payment by Mastercard.

The experience of the person from Swansea is not typical I am happy to say but would like the person to email Ramsdens at [email protected] so that we can look into their experience in more detail.

I've got a Thomas Cook one with 800 euros on it and I got the rest in cash.

It's the first time I've used one. I was a bit worried too but nobody seams to have any problems with it.

But I know a lot of peeps recommend Fairfax and Caxton too I belive x

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

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Ramsdens reviews

Ramsdens are rated Average in 32 reviews

Ramsdens travel money is commission free and our rates are checked daily to make sure you get a great rate. Buy your travel money online with Click & Collect and collect your order from over 150 Ramsdens branches nationwide.

Reviews by day

Showing reviews 1-15 of 32

Brigitte Delaney

29 February 2024

Ordered a currency card

I applied for my card, online, on 2 Jan 2024. To date, 29 Feb 2024, I still haven’t received it. I have have had no responses from numerous emails, and nor can I withdraw the money that was uploaded to start the application.

Suffice to say I won’t be recommending to anyone anytime soon.

Marlene Markham

27 February 2024

Bought £600 worth of Euros

Ordered on line got a great rate .sent a email to me within 1 day for me to collect. Went in to ramsden hull branch all ready no extra fee to pay.a chatty friendly lady.with a smile .always used ramsden for my foreign currency and will the future always give me a good rate.

22 February 2024

Sold currency

Went to exchange £415 euros fo gbp , only offered £302 , they said i didnt pay £5 for guaranteed full cash back , nobody mentioned that to me and they never ever have at anytime, i dont usually have any euros to exchange , first time exchanging , i have just kept my euros .

Matt Higgins

25 January 2024

Bought travel money

Looked online for Ramsden Euro rate . Said 1.439. Visited shop in Paisley was only about 1.11. No rate in shop even close to quoted rate on line even if you changed over£1000. Thank goodness I can use ATM abroad for free and get bank rate. Just needed some starter cash. Won't be back.

1 January 2024

I lost money because of incompetent people who works in this company. Just be very careful with them. I tried to get my money back for last 3 months and only answer what I heard from them is that they can't do anything. My card was declined in one of restaurant two times, I reported that immediately by phone. During conversation with lady on the phone I heard that she see that two transactions was declined and I will get my money back during two weeks. It was in October and I still don't have money. I tried speaking with them but that company just doesn't want to take responsibility for that situation. Please be very careful with that card or use different ones if you don't want to lose your money.

20 October 2023

Bought £700 worth of Euros

Called to Chester Road Sunderland a lady called Sandra was very helpful changed my holiday money no problems very chatty and helpful will be back again soon

James robb 27 erskine rd tayport dd69ey

19 October 2023

Bought £204 worth of Euros

Bought £225 euros for £204:11 less than expected but told not the same as online which i accepted and paid by mastercard. Today checked account and found i was charged £6 fee. Was told in dundee branch there was no fee involved. Does anyone know why i was charged cash fee did not happen in april?

john brannan

18 October 2023

Bought £859 worth of US dollars

went into the shop in cumbernauld today,rate in window was 1.18,bought $1000 got home to find paper work stated $1.16,feel cheated will never use Ramsdens again,buyer beware

Beverley Farley

15 July 2023

We always get good rates from Ramsdens and all the staff are very nice and friendly.

24 September 2022

Bought £270 worth of Euros

Wouldn't honour the rate in partick (Glasgow).Much lower rate in the shop.

22 May 2022

Bought £300 worth of Euros

Really bad rate and wasn't told the rate won't be going back

19 March 2022

Bought £500 worth of Euros

Wanted to get euros for a holiday, looked up the rate on there site but when I got to the Darlington shop they wouldn’t honour that rate quoting a lot lower rate, not happy, I refused it and went elsewhere

12 December 2020

Sold 800 Euros

Just been into ramsdens and changed 800 euro to pounds only got 643 pounds.seems a bit light from looking everywhere else .wish I shopped around

21 October 2019

Always good mannered staff and competitive rates

17 October 2019

Always use a local branch in Cardiff to buy euros as do many friends but Ramsdens have stopped matchingthe online rate in store unless purchasing a large amount ,this takes away the the advantage of a higher rate for many people who can't access the facility of buying online very poor customer service ramsdens.

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I've looked online and this looks the best rate for THB, where you can use a card in restaurants or to withdraw money from the cash machine. Has anyone used this? Is it good?

It does charge Euro 1.50 to withdraw though.

If you do decide on a pre loaded card there are others from more well known issuers.

Thanks, didn't realize it was only Euros and USD.

Which one would you recommend? Do you get charged the THB180/200 with all travel cards/credit cards?

The withdrawal charge is 180 baht at all ATMs except Aon ones, which are few and far between where it is 150 baht. I don't use a pre-loaded card. I use a Halifax Clarity Credit Card, recommended as the best card by Money Saving Expert's Martin Lewis. There are no fees, great exchange rate and although like all credit cards you get charged interest from the day you draw cash to the day you pay it off in full, if you pay off your cash withdrawals on your Clarity card before the settlement date, the interest charge is minimal. I use on line banking to do this to pay it off from my current account at home. You still pay the 180 baht withdrawal fee but other than cash it is the best way for us in the UK to draw money from ATMs abroad.

I've used the Ramsdens pre paid card and it was really good, however like Arandora states it is only USD or Euros.

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

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Best Travel Credit Cards of June 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Wells Fargo Autograph Journey℠ Visa® Card, Citi Strata Premier℠ Card, Bank of America® Travel Rewards Credit Card for Students. The details for these products have not been reviewed or provided by the issuer.

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Best travel credit card for beginners : Capital One Venture Rewards Credit Card
Best no-annual-fee travel credit card : Capital One VentureOne Rewards Credit Card ( rates and fees )
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Bank of America Bank of America® Travel Rewards Credit Card for Students

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con icon Two crossed lines that form an 'X'. High annual fee
con icon Two crossed lines that form an 'X'. Annual travel credits only apply to Capital One Travel purchases

The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards.

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

American Express American Express® Gold Card

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. Earn 1X Membership Rewards® points on all other purchases.

See Pay Over Time APR

Earn 60,000 Membership Rewards® points

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great rewards for dining and for shopping at US supermarkets
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Monthly statement credit for eligible dining purchases recoups some of the annual fee
con icon Two crossed lines that form an 'X'. Underwhelming welcome bonus

Foodies and travelers alike will appreciate the American Express Gold's generous welcome bonus and Membership Rewards points earning. Its Uber Cash credits are useful for rides and Uber Eats, and monthly dining credits with participating merchants like GrubHub and Seamless are easy to use.

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.
Terms Apply.

Earn 5x 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 & 1x point per $1 spent on all other purchases.

22.49% - 29.49% Variable

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel credit can effectively shave $300 off the annual fee if you use it
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel insurance
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong bonus rewards on travel and dining
con icon Two crossed lines that form an 'X'. Very high annual fee

If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.

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®

American Express The Platinum Card® from American Express

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

Earn 80,000 Membership Rewards® points

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual statement credits with Saks and Uber
con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired
con icon Two crossed lines that form an 'X'. One of the highest annual fees among premium travel cards

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

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.

Best Travel Credit Card Recommendations

The best travel rewards credit cards offer valuable rewards, easy-to-use benefits, and helpful features like travel coverage. Our team of credit card experts at Business Insider chose the best options available on the market in 2024, and reviewed each one below.

Best Travel Credit Card Overall

The Chase Sapphire Preferred® Card is our top pick for a well-rounded travel rewards credit card. Even infrequent travelers can benefit from the slew of premium perks on this card, typically found on cards with far higher annual fees.

The Chase Sapphire Preferred® Card stands out for its travel protection benefits. When you pay for travel expenses with this card and meet certain requirements, you can request reimbursement for unexpected expenses that may arise when your flight is delayed or if your baggage is delayed or lost.

You'll also have primary rental car insurance, meaning you won't have to file claims through your personal car insurance plan or pay for coverage from the rental car company. This card also offers a 10% anniversary points bonus, and up to $50 in annual statement credits for hotel purchases made through the Chase Travel℠ Portal.

The rewards rate on the Chase Sapphire Preferred® Card isn't shabby either. You'll earn 5 points on travel purchased through Chase Ultimate Rewards; 2 points on all other travel purchases; and 3 points on dining, online grocery purchases (excluding Target, Walmart, and wholesale clubs), and select streaming services. You'll earn 1 point per dollar on everything else.

Chase Ultimate Rewards® points are some of the easiest points to use in various ways. You can redeem them for travel directly through the Chase Travel Portal for a 25% boost in value, where 1 point will be worth 1.25 cents apiece. You can also transfer your points to Chase's airline and hotel transfer partners , which include United Airlines, Hyatt, Marriott, and many other airlines and hotel chains around the world. Cardholders can also use points for statement credits, gift cards, merchandise, and more.

What the experts love: High welcome bonus offer, earns bonus points on travel, dining, and online grocery purchases, you can redeem points for 1.25 cents apiece for travel or through Chase for 25% value bonus

What the experts don't love: Doesn't offer some of the travel perks you'll get with competing cards, such as airport lounge access and a statement credit for Global Entry

Read more: Chase Sapphire Preferred® Card card review

Best No-Annual-Fee Card for Earning Travel Miles

The Capital One VentureOne Rewards Credit Card is our top choice for a no-annual-fee travel card ( rates and fees ), and it's got many of the same perks as its bigger sibling, the Capital One Venture Rewards Credit Card.

New cardholders can earn a respectable 20,000 miles after spending $500 on purchases within three months from account opening (worth at least $340 in travel according to Business Insider's valuations). While the card only earns 1.25 miles per dollar on most purchases (plus 5x on hotels and car rentals booked through Capital One Travel), it's still a compelling choice if an annual fee isn't for you ( rates and fees ).

You'll get the same access to Capital One's airline and hotel partners as you would with annual-fee cards, and a handful of benefits including car rental insurance***, travel accident insurance***, and purchase assurance***. This is also a solid pick if you're looking for a zero-interest credit card with a 0% introductory APR offer, because new cardholders receive a 0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time), then a 19.99% - 29.99% Variable APR ( rates and fees ).

What the experts love: No annual fee, access to transfer partners, generous intro 0% APR offer

What the experts don't love: Few travel benefits, lower earning rate

Read more: Capital One VentureOne Rewards Credit Card review

The newly announced Wells Fargo Autograph Journey℠ Visa® Card earns one of the highest rates of return on hotel bookings for a credit card that isn't co-branded with a specific hotel chain.

This card has a $95 annual fee, inviting direct comparisons to two other cards on this list: The Sapphire Preferred Card , and the Capital One Venture Rewards Credit Card . In exchange, cardholders earn at least 3x on dining and travel purchases. Airline purchases earn 4x, and hotel purchases earn 5x.

Wells Fargo simultaneously announced brand-new airline and hotel partners: Choice Privileges, Aer Lingus AerClub, Air France-KLM Flying Blue, avianca lifemiles, and British Airways Executive Club. Wells Fargo Autograph Journey℠ Visa® Card cardholders can redeem rewards at the standard redemption rate of 1 cent per point for cash back, or transfer their rewards to any of the travel partners above for additional value.

The Wells Fargo Autograph Journey℠ Visa® Card will be available for in-person applications at select Wells Fargo bank locations on March 9, 2024. Nationwide applications open online and in person on March 20, 2024.

Read more: Wells Fargo Autograph Journey credit card review

Best Travel Credit Card for Beginners

The Capital One Venture Rewards Credit Card is a great "set it and forget it" card, in the sense that you don't have to worry about various bonus categories for earning rewards. You'll earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 2x miles on all other purchases.

The Capital One Venture Rewards Credit Card also offers one of the most straightforward ways to redeem rewards for travel: you're able to use your miles to cover recent travel purchases from your card statement, at a rate of 1 cent per mile.

You also have the option to transfer Capital One miles *** to more than a dozen frequent flyer and hotel loyalty programs, including Air Canada Aeroplan, Etihad Guest, and Singapore Airlines KrisFlyer. Capital One also added new partners including British Airways and Turkish Airlines, and improved the transfer ratio to 1:1 for most partners.

The selection of transfer partners is best suited to someone who wants to travel internationally and who doesn't mind spending some time researching the best ways to redeem miles with the different frequent flyer program options. But the upside is that you can always use your miles to cover your travel purchases. You also get up to a $100 Global Entry/TSA PreCheck application fee credit.

What the experts love: The ability to use your miles to cover your recent travel expenses; it earns at least 2 miles per dollar on every purchase.

What the experts don't love: Other cards offer higher rewards on certain spending categories such as travel and dining.

Read more: Capital One Venture Rewards Credit Card review

Best Travel Rewards on Everyday Spending

The Citi Strata Premier℠ Card isn't as flashy or well-known as some other travel cards, but that doesn't mean you should overlook it, especially if you spend a lot on its bonus categories. Cardholders earn an impressive 3x points on air travel, gas stations, restaurants, supermarkets, and hotels, and 1 point per dollar on everything else.

Along with a solid welcome bonus offer of 75,000 bonus points after spending $4,000 in the first three months of account opening (worth $1,200 based on Business Insider's valuations), you'll receive $100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through thankyou.com once per calendar year.

While it isn't the best for travel protections, the Citi Strata Premier℠ Card is the only card currently available to new applicants that unlocks the ability to transfer your ThankYou points to Citi's full list of airline and hotel partners , including JetBlue, Singapore Airlines, and Wyndham.

What the experts love: Strong rewards earning in useful everyday categories, access to Citi's transfer partners

What the experts don't love: Lack of travel protections like car rental insurance, few travel perks compared to similar rewards cards

Read more: Citi Strata Premier℠ Card review

Best Travel Card for Students

The Bank of America® Travel Rewards Credit Card for Students is a fairly unique offering, as there aren't many student credit cards specifically geared toward travel. New cardholders can earn 25,000 online bonus points after spending $1,000 in purchases in the first 90 days from account opening (redeemed as a $250 statement credit toward travel and dining purchases). That's a decent offer for a no-annual-fee card, and the earning structure is simple, too — 1.5x points per dollar on every purchase, with no bonus categories to keep track of.

There's also a 0% intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account (then a 17.99% - 27.99% Variable APR) which can be handy if you have big purchases (like textbooks or supplies) you want to pay for over time.

The Bank of America® Travel Rewards Credit Card for Students is a good choice if you prefer a straightforward card without having to worry about award charts or transfer partners. It's also a safe bet if you want to use it while traveling internationally — it doesn't charge pesky foreign transaction fees, so you won't be on the hook for extra charges if you use it overseas.

However, you won't find many extras — like travel benefits or purchase protections — with this card. If you're looking for better benefits, be sure to check out our guide to the best student credit cards for all the top options.

What the experts love: Impressive welcome bonus offer for a student credit card, good flat-rate rewards earning

What the experts don't love: No flashy extra perks or shopping benefits

Read more: Bank of America® Travel Rewards Credit Card for Students review

Most Affordable Premium Travel Credit Card

The Capital One Venture X Rewards Credit Card was unveiled in late 2021 and offers a massive welcome bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening — worth at least $1,275 in travel, based on Business Insider's valuation of Capital One miles .

The Capital One Venture X Rewards Credit Card is loaded with premium benefits that can more than offset the $395 annual fee ( rates and fees ). For context, the Venture X's annual fee, while high, is significantly lower than other premium travel card competitors.

Capital One Venture X Rewards Credit Card cardholders receive $300 per year in credits toward travel booked through Capital One, Priority Pass, Plaza Premium, and Capital One airport lounge access (even for authorized users), a 10,000-mile bonus on each account anniversary (worth $100 in travel), and Visa Infinite travel and purchase benefits.

As with other cards that earn Capital One miles , you can transfer rewards to over a dozen airline and hotel partners to book award travel, or use miles to book through the Capital One Travel Portal .

What the experts love: Between $300 a year in travel credit and a 10,000-mile bonus on each account anniversary, you can offset the annual fee entirely — and that's not even considering other benefits like lounge access.

What the experts don't love: The $300 travel credit is more restrictive than other cards' — it only applies to travel booked through Capital One.

Read more: Capital One Venture X Rewards Credit Card review

Best for Earning Travel Credit from Dining and Groceries

The American Express® Gold Card is an ideal travel card for anyone who frequently eats out and/or shops at U.S. supermarkets. You'll earn 4x Amex Membership Rewards points on these purchases (though note the $25,000 calendar year annual cap for U.S. supermarkets; after that, you'll earn just 1 point per dollar, but that's a pretty high cap). The card also earns 3x points on flights booked directly with the airlines or through AmexTravel.com, and 1 point per dollar on everything else.

While the $250 annual fee is on the high side, you can offset it thanks to an annual statement credit. You can get up to $120 in annual dining credits**, but it's divided into up to $10 in credits each month, and the credit only applies at select restaurants and delivery services, including Grubhub, Seamless, Milk Bar, Wine.com, and Goldbelly, and participating Shake Shack locations.

You'll also get up to $120 Uber Cash ($10 per month) credit each calendar year (this is only applicable to U.S. Eats orders and rides, and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit).

What the experts love: "4x points on restaurants and at U.S. supermarkets (on up to $25,000 per year, then 1x) is great — usually, a card favors one or the other," says Rathner. Plus, the card offers monthly dining credits.

What the experts don't love: Wilson notes that other cards offer similar benefits for a lower annual fee, and Rathner notes that the card's travel and dining credits come with some important limitations — so read the fine print.

Read more: American Express® Gold Card review

Best Premium Card for Travel Insurance and Bonus Categories

The Chase Sapphire Reserve® has a $550 annual fee, which means it's not for everybody, but if you're serious about maximizing your rewards and you travel frequently, it could be worth it. It offers a bonus of 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

Not only do you get up to $300 in statement credits toward travel each year (and Chase has a very generous definition of travel — including everything from airfare to highway tolls), but you also earn 5x total points on air travel and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards (excluding the $300 travel credit) and 3x points on all other travel and dining. You also get airport lounge access through the Priority Pass network , which has more than 1,300 locations worldwide.

New benefits also include access to Chase Sapphire lounges in JFK , LaGuardia , Boston , and Hong Kong, as well as the Chase Sapphire Terrace at Austin Airport . You'll also receive benefits with DoorDash and Instacart that can save you money on delivery (activation required).

The Chase Sapphire Reserve® is currently offering cardholders two years of complimentary Lyft Pink All Access membership (valued at $199 per year) for member-exclusive pricing, priority pickup, and more (activation required).

When it comes to redeeming points, you can book travel through Chase and get 1.5 cents per point (a 50% bonus over the standard 1-cent-per-point rate), or you can transfer your Chase Ultimate Rewards to travel partners like Hyatt, British Airways, and United.

Plus, like the less-expensive Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® offers some of the best credit card travel insurance around. This includes primary car rental insurance, trip delay insurance, trip cancellation protection, and lost baggage insurance.

The Chase Sapphire Reserve® card was previously our pick for the best travel card overall, before the annual fee increased from $450 to $550. While the Reserve did add some additional benefits, the Reserve no longer makes as much sense for casual travelers. As a result, we now recommend the Chase Sapphire Preferred® Card as the best travel credit card for most people.

What the experts love: Earns 3x points on travel and dining purchases made outside of Chase Travel Portal, annual $300 travel credit, points are worth 1.5 cents apiece for travel booked through Chase

What the experts don't love: You have to squeeze every drop of value out of this card to make that jaw-dropping $550 annual fee worth your while.

Read more: Chase Sapphire Reserve® review

Best for Luxury Travel Benefits and Airport Lounge Access

The Platinum Card® from American Express has one of the highest rewards card annual fees — $695 — but it can still be well worth it if you can put all of its statement credits and generous welcome bonus offer to use.

You'll earn 5x points on flights when you book directly through the airline or through American Express Travel (on up to $500,000 per calendar year), which makes the card a great choice for purchasing airfare. The card offers trip cancellation and interruption insurance, plus some of the best purchase protection, so it's a good option for buying expensive items (and don't forget to see if you can take advantage of an Amex Offer ** for bonus points or cash back).

The Platinum Card® from American Express offers more airport lounge access than any other personal travel card — in addition to Priority Pass membership**, you get access to Amex Centurion Lounges , Delta Sky Clubs (when you're flying Delta), and more.

The card's annual statement credits can go a long way toward offsetting the high annual fee. You get up to $200 in statement credits toward airline incidental fees** like checked bags and inflight purchases; up to $100 each year in credit toward Saks Fifth Avenue purchases**; and up to $200 in annual Uber credits (including Uber Eats)**.

Just keep in mind that you're limited to one designated airline you choose each year in your Amex account for the airline incidental fee credit, and both the Saks and Uber credits are divided into portions. You'll get up to $50 in statement credits toward Saks purchases from January to June, and another credit of up to $50 for Saks purchases from July to December.

With the Uber credit, you get up to $15 each month, and a $20 bonus in December for a total of $35 that month.

What the experts love: Lots of luxury benefits, including airport lounge access and statement credits with Uber and Saks

What the experts don't love: This card's $695 annual fee, and minimal bonus categories

Read more: The Platinum Card® from American Express review

How to Choose the Best Travel Credit Card

While it takes more effort to redeem points or miles compared to cash back, the upside is that you can get much more value for your points compared to simply cashing in your rewards for a statement credit or check at a rate of 1 cent per point.

In fact, it's possible to receive double, triple, or even more than that amount when you're strategic about how you redeem your rewards, particularly if you book expensive luxury hotels or first-class flights.

In this guide, we've focused mostly on the best travel credit cards that earn transferable points. Transferable points include popular currencies such as:

Amex Membership Rewards
Chase Ultimate Rewards
Citi ThankYou Rewards
Capital One miles

You can transfer these points to both airline and hotel partner loyalty programs. You can even redeem your points to offset the cash price of your travel at a flat rate.

Travel Credit Card Frequently Asked Questions

If you want a single credit card that does it all and don't mind paying a generous annual fee, the Chase Sapphire Reserve® is a great choice. It comes with the best travel insurance available on the market, as well as a $300 travel credit each year that can be used on most types of travel.

The best travel credit card overall is the Chase Sapphire Preferred® Card, but the best card for your particular situation will depend on what benefits you care about the most, as well as how you feel about paying a high annual fee.

We'd recommend opening a travel card that earns Amex or Chase points, because these are among the easiest rewards to redeem and you have various travel partners to utilize. But if you've investigated your options and are confident that you can get value out of their rewards, credit cards that earn Capital One miles or Citi ThankYou points can make sense as well.

There are two main types of travel credit cards: Cards that earn transferable points, and airline/hotel co-branded credit cards. Transferable points currencies include Amex Membership Rewards points, Capital One miles, and Chase Ultimate Rewards points.

Airline credit cards and hotel credit cards earn points or miles within a respective hotel or airline program; you don't have the option to redeem your rewards with a wide variety of travel partners (or if you do, the transfer ratio usually isn't great).

To pick the right travel credit card for you, you'll want to evaluate its welcome bonus offer, ease of use, benefits, and annual fee. The best one for you will ideally have a combination of an attractive sign-up bonus , lots of options for earning and redeeming rewards, benefits that save you money, and a low or no annual fee.

Travel credit cards with annual fees are worth it if you're able to get significant value out of their benefits and rewards. Before you apply for a card , make sure you'll actually use all the features that contribute to the card's annual fee. For example, if a card offers an annual statement credit of up to $200 toward travel but you can't use it, you're probably not getting what you pay for.

Travel credit cards work by earning you points (or miles) on every purchase you make, with the goal of helping you earn enough rewards to book free travel . The best travel cards earn points that you can transfer to various airline and hotel partners — like Amex, Chase, or Citi points.

A great way to work toward getting a free flight is by applying for a travel credit card and earning its welcome bonus offer. Domestic award flights in economy class typically require about 25,000 points, so depending on the welcome bonus offer, you could have enough rewards for a flight right out of the gate.

Why You Should Trust Us: How We Chose the Best Travel Credit Cards

Business Insider evaluated dozens of travel credit cards currently available to new applicants and narrowed down the list to the best options based on the following factors:

Welcome bonus offer — Do new cardholders get a valuable incentive to sign up and meet a minimum spending requirement?
Ongoing rewards — How many points or miles do you earn on your purchases?
Benefits — Beyond rewards, does the card offer valuable perks such as statement credits for travel, primary car rental insurance, and airport lounge access?
Annual fee — Is there an annual fee, and if so, is it affordable or easy to offset with card perks?
Overall value — Does the card justify its annual fee by offering useful benefits and valuable rewards, and is it worth it?

Read our guide to how we rate credit cards for a closer look at our methodology.

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.

**Enrollment required.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

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

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Gold Card, please click here.

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