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Best Places To Exchange Money [Best Rates, Fees, and Convenience]

Christy Rodriguez

Travel & Finance Content Contributor

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Senior Editor & Content Contributor

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Table of Contents

How does currency exchange work, exchanging money before you leave, exchanging money while you’re abroad, exchanging money when you get home, best tips to tackle international spending, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

When planning a trip abroad, being able to pay for expenses is bound to be a primary concern. While using a credit card for your purchases can give you the best rate, we know it’s not always possible to pay with a credit card everywhere you go.

So, where is the best place to exchange money? Should you exchange money before you leave or while you’re on vacation? And what do you do with leftover currency when your trip is over? We’ll answer all these questions and give you some great tips for exchanging money on your next trip.

An exchange rate is the value at which one currency can be exchanged for another. Frequently, this value is variable and dependent on the market, but sometimes the value can be fixed, or pegged, to another currency.

Banks and currency exchange stores tack on some sort of charge in addition to the market rate, and these fees can vary significantly.

What does this mean for you? Your spending power on your vacation depends on the value of the U.S. dollar and the currency of the country you’ll be visiting. As these values fluctuate over time, planning a trip when the dollar is favorable can benefit you. Also, where you choose to exchange your money matters!

You have the best opportunity to get the best exchange rates before you ever leave home.

The best place to exchange money is at your local bank or credit union. You will get the best currency exchange rates as rates will closely resemble the market rates, with only minimal added costs added on.

You’ll obviously need to do this before you leave unless your bank has an international presence in the country you’ll be visiting, so plan ahead!

Before you head over to the bank, give them a call to see if they have your desired currency on hand. Depending on the currency you need, you may have to order it in advance. If it’s a common currency, sometimes banks will have it available immediately.

The pro of exchanging money before you leave is that you can hit the ground running when you arrive. You can also generally save some money if you get the money from your bank or credit union.

Knowing your destination’s currency conversion in relation to U.S. dollars is important! We recommend using an offline currency conversion app, such as Currency ( iOS ) or Currency Converter Plus ( Android ). You can also just plug it into Google, but it is helpful to have access abroad even if you don’t have an internet connection.

What Not To Do

You might be tempted to exchange money at the airport before you leave, but we generally recommend against this. Airport exchange kiosks and stores are convenient but also tack on big fees and unfavorable rates . This can end up costing you!

You might not need as much cash as you think. Most places accept credit cards, and then you could be stuck carrying excess cash around (and exchanging it back). Try not to take out more than you need.

Regarding traveler’s checks , while they have been popular in the past, they have fallen out of favor. It is increasingly difficult to find a place that will cash them — if your bank even offers them. We don’t recommend exchanging money for traveler’s checks as credit cards (and even debit cards) offer a level of security once only provided by traveler’s checks.

If you’ve already left home and need some tips on exchanging currency, we’ve got you covered!

If you’re wondering how to get local currency when traveling, the easiest way is by using your debit card at an ATM. It’s best to use your bank’s ATM network in order to avoid fees, but any ATM will work. These fees generally range from 1% to 3%. There are cards that will waive (or reimburse) international ATM withdrawal fees, though!

Try to limit your withdrawals and take out the maximum you think you’ll need each time, as there are per-transaction fees as well (generally about $5). In addition, if you’re planning to get money out abroad, knowing your ATM limit is important. You can call your bank to request an increase if it is low.

Also, consider using your credit card when you travel abroad. Most stores and restaurants accept credit cards, which is the easiest and most convenient way to get the best currency exchange rate! Just be sure to select “local currency” and not “pay in U.S. Dollars.”

If you’re looking for a card with no foreign transaction fees , consider popular rewards cards like the American Express ®  Gold Card or the Chase Sapphire Preferred ®  Card . Both cards also offer a ton of other valuable travel-related benefits!

Whatever you do, don’t get money from a foreign ATM using your credit card. This is considered a cash advance — the fees can be high, and the interest begins to accrue immediately.

Also, we don’t recommend using those currency exchange stores and kiosks (i.e. Travelex) you see at the airport, hotels, and other major tourist destinations. While they might seem convenient, the rates are not favorable, and the fees are much higher than other options.

For example, let’s say you have $100 to exchange for euros and the current market rate for the exchange is €92.64. Your bank might offer you €92, while a currency conversion kiosk might offer €87. Extra fees could also be tacked on that eat away further at your exchange’s value.

If you have some leftover cash, you’ll likely want to convert it back into U.S. dollars. The best way to exchange foreign currency for U.S. dollars will be at your bank or credit union. Unfortunately, they may not buy back all types of currency.

Those currency exchange stores and kiosks we advised against before might be a good option for less-common currencies. The fees are higher, but at least you won’t be stuck with currency you won’t use again!

Another option might be to donate currency to UNICEF’s Change for Good . American Airlines offers envelopes on its planes and at its Admirals Club and Flagship Lounge locations, but you can also mail currency to the following address:

Change for Good UNICEF USA 125 Maiden Lane New York, NY 10038

While exchanging money for cash is a good start, having a good plan in place for all your international spending is important. That’s because it’s just not feasible to pay for all your large expenses (such as hotels, train travel, etc.) with cash. Here is what we recommend:

• Use your debit card to get out cash from an ATM when you’re abroad or bring money from home.
• Bring along a credit card that has no foreign transaction fees and don’t use your credit card to get out cash from an ATM.
• When using your credit card, be sure you choose to pay in local currency.
• Avoid currency stores and kiosks if possible.
• Be aware of the current currency exchange rate to avoid any surprises!

Where you choose to exchange your currency can have an impact on how much money you’ll receive. The best rates are found at banks and credit unions. Even if you exchange money when you’re abroad, you can save money by using your debit card to take cash out of an ATM. Be sure to bring cards that are meant for international travel and you’ll be sure to save!

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

Frequently Asked Questions

What is the best method of currency exchange.

The best method of currency exchange is using a credit card with no foreign transaction fees to pay in local currency. If you want to use cash, exchanging cash at a bank or credit union will be your best option.

How can I exchange currency without fees?

There is no way to exchange currency without fees. Banks will always charge some marginal rate to process your transaction. The best way to exchange currency by limiting your fees is at your bank or credit union.

Is it better to exchange currency at home or abroad?

While it can be cheaper to exchange money at your bank before you leave, you might be tempted to exchange too much cash. In this case, it might be better to use your debit card to take out cash from an ATM while you are abroad as you need it.

How can I exchange currency without losing money?

Unfortunately, when it comes to exchanging currency, it will always cost some money. There are ways to limit how much it costs, including exchanging the currency at your bank or using a credit card with no foreign transaction fees.

Is it better to exchange money or use a credit card?

Using a credit card will get you the best possible exchange rate, so we recommend using a credit card when you can. There are some instances that it is just more convenient to have cash (such as a small purchase with a local vendor). Having a good way to access both methods of payment is important when traveling.

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About Christy Rodriguez

After having “non-rev” privileges with Southwest Airlines, Christy dove into the world of points and miles so she could continue traveling for free. Her other passion is personal finance, and is a certified CPA.

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USD to GBP Travel Money Rates Today

The best USD to GBP rate is 0.7857. We help you save money by comparing USD to GBP exchange rates to the latest market rate and those offered by leading FX providers.

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You Can Save Money when you Compare Exchange Rate Margins & Fees

The above comparison table makes it easy to calculate the Total Cost you are being charged on your currency transaction by banks and providers versus the market mid-rate. It is easy to calculate any savings available from popular market-leading FX providers.

Is US dollar (USD) expected to go up or down?

This is always a difficult question as exchange rates are influenced by many factors, so a good method to consider the US dollar current value is to look the USD performance against a range of other currencies over various time periods.

The following table looks at the performance of the USD exchange rate against selections of other currencies over time periods from the previous 2 days back to the last 5 years.

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One of the biggest challenges for expats in the UK is the weather, as it can be unpredictable and quite damp, especially in the winter. Additionally, the cost of living in the UK, particularly in the larger cities such as London, can be high.

Read more at our United Kingdom (GBP) country guide

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Today’s best exchange rates

How do you get the best holiday money exchange rate, use our currency converter, high exchange rates, delivery charges, special offers, pros and cons, five golden rules of travel money, 1. know how much cash you'll need.

Carrying around a large amount of cash isn't the safest thing to do. At the same time, not having enough cash can cause a lot headaches too. It's a good idea to take a little more than you think you'll need.

But it's also good sense to have a backup prepaid , debit or travel credit card that you can rely on - assuming you're going to a destination that widely accepts card transactions.

2. Shop around

Not all currency exchange companies are created equal. Some may have good exchange rates, but higher fees. Others may have higher rates, but no fees. You have to make sure which one offers the best value to you.

This is why it’s worth comparing the deals on offer from several companies before ordering your travel money. Factor in the fees and the exchange rate and see where you end up better off. Often the amount of money you're exchanging can be a deciding factor.

3. Don't buy your travel money at the airport

Airport holiday money providers have notoriously high prices because they offer a last-chance solution for those who are just about to board a plane. By planning ahead you can save a small fortune.

4. Don't carry too many large notes

Notes of large denominations can be tricky, as small shops and taxi cabs, which are more likely to require cash, might not have enough change to accept a large note.

Some retailers are also often wary of accepting large notes. Smaller notes and change can also be handy when it comes to tipping or buying small everyday items.

5. Don't use your credit card to buy travel money

Avoid buying foreign currency with a credit card as credit card providers treat the transaction as a 'cash advance' . Not only will you be charged daily interest, you're also likely to be hit with a fee.

Budgeting for your holiday

How much travel money you need to take depends on your plans. You'll need to budget for your holiday to make sure you don't run out of money before the end.

Deciding how much money to take depends on were you're going, whether debit or credit card usage is prevalent, and if you want to have some local currency on hand for emergencies.

Having some cash is extremely important, as there's always a possibility your cards could get declined or blocked for some reason, and it may take some time to resolve the issue.

Also, some countries still rely predominantly on cash transactions, so you should factor that into how much cash you decide to take.

What are the top alternatives to buying travel money?

Travel credit cards.

Travel credit cards - i.e. the ones with  no foreign transaction fees  - offer two key advantages over travel money:

Great exchange rates  - when you spend on a travel credit card you get the Mastercard or Visa exchange rate, which is about the best you can find as a regular consumer

Purchase protection  – for purchases costing between £100 and £30,000 you're covered by  Section 75 of the consumer credit act , meaning if something goes wrong you can make a claim with your card provider should the vendor fail to pay up

However, not everywhere accepts travel credit cards and using them at a cash machine abroad can come with hefty fees. It can also be easier to overspend on a credit card, leaving you with debts on which interest is charged.

Travel money cards

Currency cards and travel bank accounts let you spend overseas without being charged a foreign transaction fee. Their key strengths are:

Great exchange rates  - you card provider will pass on the Mastercard or Visa rate to you without adding extra charges

No charges for ATM use overseas  - if you need extra cash on holiday, you can withdraw it without being charged by your provider. Watch out for local ATM fees though, as these might still apply 

The downsides include that there can be limits on how much you can withdraw abroad using a travel money card, and that they're not accepted quite as widely as cash. Some travel current accounts also come with fees.

Prepaid travel cards

Prepaid travel cards  can be loaded with currency and used abroad without paying foreign exchange fees. You can load a prepaid card with a specific foreign currency or a variety of different currencies, depending on your travel plans. The key advantages are:

Low or no fees to use abroad  – prepaid travel card providers charge far less than traditional banks for overseas usage

Safer than carrying cash  - you can cancel or freeze the card if it's lost or stolen, protecting your balance

However, you’ll need to watch out for general usage fees, which often apply when you load the card with cash and may also be charged monthly.

Can you get commission-free travel currency?

Yes and no. It depends on how you define it. Commission refers to the service fee that a currency exchange broker charges for exchanging your money.

Many companies advertise 0% commission to exchange money online or on the high street, but, instead of charging commission, they offer a less competitive exchange rate. This is why you need to compare the whole deal rather than just opting for a zero-fee travel money deal.

Are there restrictions on getting currency delivered?

When you buy your currency online, it's normally sent via Royal Mail's Special Delivery service. This means you have to sign for the package. Cash orders that exceed £2,500 will be sent in batches because that's the maximum value that can be insured for each delivery.

Can you get next-day delivery for currency?

Some travel money providers do offer next-day delivery. These brokers send out currency using Royal Mail's Special Delivery Guaranteed by 1pm service.

Our comparison shows which operators offer this option and how much they charge for it. With some companies, you also have the option to pre-order your travel money for collection in person from a local branch, meaning you don't have to pay for delivery.

Will anyone buy my currency back?

If you've got leftover travel money from a trip abroad, you can use a  buy-back service  to convert it back into pounds.

The buy-back rate tells you how much sterling you'll get back.

Remember to factor in the rate and delivery costs, and compare exchange rates. You can check out the best euro-to-pound exchange rate by looking at our comparison table.

About our comparison

Who do we include in this comparison.

We include every company that gives you the option of buying euros online. Discover  how our website works .

How do we make money from our comparison?

We have commercial agreements with some of the companies in this comparison. We get paid commission if we help you take out one of their products or services.  Find out more here .

You do not pay any extra and the deal you get is not affected.

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How to Get the Best Exchange Rate While Traveling

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This article was originally published on our site Nomad Paradise. As part of a rebrand, we are publishing all our travel packing and tips content in one place for you to enjoy - The Travel Method. For world cuisine and recipes, you can keep visiting Nomad Paradise.

Use these tips to help you get the best exchange rate while traveling and make your money go further when abroad.

Getting a fair rate for your money isn’t too complicated if you know where to look and what red flags to ignore. With some planning and smart thinking, you can save yourself tens, maybe even hundreds, of dollars, both before and during your trip.

• Know the Currency Exchange Rate

Look up the exchange rate before you leave the country. Being informed is the first step in getting a good rate. It will prevent you from exchanging the money at a very unfavorable rate.

So, find this information before you set off on your trip and check the rate occasionally to stay informed about any major changes. 

Our favorite currency app for checking the exchange rate is XE Currency . You can look up the live currency exchange rates on the app.

When you check the rates, the app actually saves the rates so that you can access this information offline. Even if you don’t have internet access, you can still have a good idea of the exchange rate based on the last saved rates.

• Use a Credit Card with No Foreign Transaction Fees

If you have a credit card with no foreign transaction fees, use it whenever possible. If you don’t have one, you should look into getting one if you travel quite a bit. In the U.S., there are many such options.

Before paying by credit card, though, take into account a few factors and see if they apply to your situation:

• Local shops and restaurants may add a fee for transactions made with credit cards.
• Some credit card companies charge fees for transactions made in foreign currencies. That’s true especially if you’re based outside of the U.S.
• Use a Debit Card with Low or No Foreign Transaction Fees and No ATM Fees

When using your debit card to withdraw money from ATMs, you may have to pay additional fees, including the following:

• a currency exchange fee,
• a fee from the local bank’s ATM, and
• a fee from your bank back home for using an ATM abroad.

In the U.S., UK, and many countries in mainland Europe, you can generally find some debit cards that waive most or all of these fees. If you travel quite a bit, you can save hundreds of dollars in ATM fees annually using no-fee debit cards.

Regardless of the card, always stay informed on what you’ll get charged abroad. Go over your bank agreement and make sure you know exactly how much you get charged on foreign transactions. The goal is to find the best deal possible, but you have to do this before you set out on your trip.

If you can’t avoid the ATM fees, keep in mind the ATM fees are often set per transaction so you can save money by making a larger withdrawal rather than multiple smaller ones.

Another tip to remember is that some ATMs will offer to do the conversion for you. That means they will charge your card in your home currency (for example, USD if you’re from the United States or GBP if you’re from the United Kingdom) instead of the local currency.

The first time I encountered this was in Porto, Portugal. Letting the ATM charge me in US dollars rather than euros would have meant losing about $20 on a $200 withdrawal. As you can see, that’s an atrocious charge. Please do not fall for it.

• Pay for Purchases in the Local Currency

Along those same lines, many merchants now offer to charge your card not in the local currency but in your home currency. A lot of tourists fall into this trap. Don’t agree to this offer, as they often add fees to the already poor exchange rate.

At the pay terminal, pay for the purchase in the local currency and allow your credit card company to convert at a better exchange rate. 

• Avoid Airport Exchange Rate Kiosks

You’ve probably already seen many money exchange kiosks at airports. They may promise “zero commission,” but in return, they have a poor exchange rate. Even though their airport location is convenient, you pay a very high price for this ‘convenience’ – a price that can be as high as 15%.

Although airport exchange rate kiosks are a terrible option, there are occasionally legitimate exchange rate kiosks that offer good rates once you’re at your destination. For example, in Moldova, Eastern Europe, there is practically an exchange kiosk at every corner that offers a very good exchange rate.

If you have USD, you can sometimes get better rates at the local exchange kiosk (not the airport exchange kiosk) than by withdrawing money from the ATM.

These are just a few tips for how to get the best exchange rates when traveling. Good luck, and remember to take your time. Don’t rush to get your money just because you want it done.

Spending a little time getting the right cards or exchanging at the right place can save you tens, even hundreds of dollars.

Save and Pin for Later

Traveling internationally soon? Save this article to one of your trip planning boards so that you can revisit these top tips when you want to exchange money.

Author: Dale

Dale Johnson is a content creator from the UK. He has traveled full-time for over three years and to over 30 countries and writes on a number of travel-themed topics, including travel packing tips and the latest gear.

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Cheap Holiday Money At Your Fingertips

Best GBP to USD Rates

The USA is always a lucrative destination for British travellers. Orlando’s Disney World is among the most popular holiday destinations for families, while cities like New York or Vegas are great for couples or singles. Travelling to English-speaking countries is always fun, especially when it’s balmy.

Travellers can find the best cash exchange deals for Pounds to USD using the table below. This way, you can find the best holiday money provider and buy USD in advance.

Compare the best travel money providers to find the right one to buy US dollars from.

Best Pound to US Dollar Exchange Rates Provider:

Wise multi-currency card for travelers, using wise’s multi-currency card is better than cash..

• Excellent Rates: Get real-time exchange rates with no hidden fees.
• Convenient: Spend in multiple currencies and make free international ATM withdrawals.
• No Need for Cash: Use your Wise card worldwide, safer and easier than carrying cash.
• Great Exchange Rates : Get the  Wise exchange rates .

💳 Learn More & Apply Now

Additional providers:, buy us dollars for 1,000 pounds; travel money – more providers.

Are these rates always accurate and precise?

Although we gave our utmost efforts to reflect the true USD exchange rates proposed by each travel money provider, we cannot promise 100% accuracy. In spite of the fact that our GBP to USD exchange rate comparison system is automatic, we, again, can’t “guarantee” that indeed the company on top offers the best USD rate at the moment. That is due to the following facts:

• The rates can suddenly fluctuate and our comparison table only updates on an hourly basis.
• Some travel money providers can change their pricing without us knowing that.
• Some companies make it trickier to compare by applying other fees which are not embedded into the exchange rate.
• Technical errors can always occur. Please bear with us.

Travelling to The USA – Gov.UK’s Recommendation

Read the recommendation here: https://www.gov.uk/foreign-travel-advice/usa

UK embassy in the USA:

Embassy of the United Kingdom, Washington, D.C.

• Address: 3100 Massachusetts Ave NW, Washington, DC 20008, USA
• Phone:  +1 202-588-6500

Travelling to The USA – Cost Comparison

• An inexpensive meal at a restaurant costs less than £15.25 (compared to £15 in the UK).
• A can of Coke or a McMeal at McDonald’s would cost you almost the same, maybe a bit higher than in the UK.
• Buy yourself a new pair of jeans, since 1 pair of jeans (Levis 501 Or Similar) is going to cost you 40% less than in the UK.
• If you plan to rent a car, don’t worry about the gasoline since it costs almost 52% less than in the UK!

In general, the USA is usually less expensive than the UK and one of the easiest countries to travel to.

Data from Numbeo , and various travel sites.

Travelling to The USA – Popular Destinations

These are the most popular destinations in the USA:

• New York City – one of the best cities in the world for tourists. Plenty of famous sites across the city like Times Square, the Statue of Liberty, the Met, Central Park, and many more. A Perfect place for shopping and restless night clubs.
• Maui’s extraordinary beaches, hiking trails, opportunities to climb a volcano, experience amazing waterfalls, and, of course, surfing make this place a paradise for everyone.
• The Big Island of Hawaii- you can have it all – snow-capped mountains, deserts, rainforests, and volcanoes, all in one island. Be sure to spend a couple of days over there to enjoy the desired activities.
• Las Vegas is a 24/7 nonstop city with casinos, nightclubs, and terrific shows. There are also some outdoor activities near the city, like the Grand Canyon and the Hoover Dam.

Based on Trip Advisor

Exchanging Large Sums Via Bank

If you are looking to exchange significant amounts you could be better off simply making an international wire transfer from UK to USA. This is especially useful when paying for a hotel where high card costs incur. Some providers will even offer multi-currency accounts so that you could use the funds for travel.

US Dollars Rate Comparison

Thank you for reading our guide for travellers to the US who want to find the best Pound to US Dollar exchange rates. We are dedicated to improving our website’s content and quality and we would be glad to see you again in the future. Do not forget, the  best travel money provider  today does not have to be the cheapest at any given time. Compare you results every time you want to buy US Dollars in order to get the best GBP to USD exchange rates.

Enjoy your amazing trip to the United States!

Argentina Adds Another Exchange Rate—for Tourists Only

The argentinian government implemented a new regulation on november 4, 2022, allowing visitors using credit and debit cards to obtain a more favorable exchange rate than the official rate..

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The government hopes the new rule for credit and debit cards will discourage all-cash transactions that leave cash-laden tourists more vulnerable to robbers.

AP Photo/Natacha Pisarenko

In recent years, a moment often came when a visitor to Argentina suddenly grasped they could have gotten a lot more bang for their bucks if only they had brought cash to buy pesos on the unofficial market.

A dollar sometimes would buy twice as many pesos in informal cash trading as the amount in pesos it would get in purchases using a credit or debit card covered by the official exchange rate.

“You can almost hear the blood drain out of their voice when they realize this,” said Jed Rothenberg, owner of a travel agency that specializes in trips to Argentina.

That should, at least in theory, be a thing of the past as of Friday. The government has implemented a new regulation allowing visitors using credit and debit cards to get more pesos than the official rate gives.

On Friday, one dollar was officially worth 157 Argentine pesos. But in the unofficial market, commonly referred to as the “blue dollar,” it could be worth as much as 285 pesos. And in the system that will now be used by credit card operators, it was at 292.

The informal foreign currency traders became more ubiquitous after strict capital controls were put in place in 2019 in an effort to protect the local currency from a sharp devaluation amid the country’s high inflation.

Why the new rule?

The government hopes the new rule for credit and debit cards will discourage all-cash transactions that leave cash-laden tourists more vulnerable to robbers—and also often deprive the government of sales taxes that are frequently ignored if there is no electronic trail.

Rothenberg sought for years to explain Argentina’s different exchange rates and the difficulties that tourists faced in using credit and debit cards. He wasn’t always successful.

“The vast majority of people are just confused: ‘You mean there’s more than one exchange rate and that one of these can be as much as a double- or even triple-digit difference?’,” Rothenberg said.

The new rule won’t do much to reduce confusing complexities. It adds yet another exchange rate to the more than 10 that already exist in Argentina—a system that makes it impossible to say simply what a peso is worth.

The government also imposes different taxes on converting foreign currency depending on what it will be used for, leading to rates that have colloquial names like the “Qatar dollar” for travelers (a reference to the World Cup), the “Netflix dollar” for streaming services, and the “Coldplay dollar” to book foreign artists to play in the country.

The reason why no one can really answer how much a peso is worth is because “it’s worth something different for each person,” said Martín Kalos, an economist who is a director at Epyca Consultores, a local consultancy.

“The government has been segmenting the market. There is no one value, there are multiple prices depending on who you are or what operation you want to do,” he said.

The government’s goal is to have a stronger peso to pay for the country’s imports in hopes of keeping price rises from worsening. The economy registered an annual inflation rate of 83 percent in September.

President Alberto Fernández’s administration “is implementing palliative measures, or patches, because it has elections a year from now” and any efforts to correct these distortions would likely cause economic pain that would be costly at the ballot box, Kalos said.

Argentina has gone through so many financial crises in recent decades that its citizens are distrustful of their currency, so those who earn enough to save usually do so in dollars or euros.

Even economically savvy Argentines are often confused.

Anyone who has not received subsidies from the state or who operates in certain financial markets can buy as much as $200 a month but must add an additional 65 percent tax to the official exchange rate.

Argentines who pay for foreign currency purchases on their credit cards pay a surplus of 75 percent over the official rate. But that is as long as they spend less than $300. If they spend more than that a month, the surplus increases to 100 percent.

Argentines can also buy dollars through the financial markets via operations through bonds or stocks but pay a peso price similar to that in the informal market. That is the system made available to credit card processing companies Friday.

Experts said they have to see how the new system for visitors is implemented before knowing whether it will be successful.

But if implemented well, Rothenberg said the change could be a boon for tourists.

“They’re just using their credit card, they don’t care about the details,” he said. “If they actually make this work, Argentina could be one of the top tourist destinations within the next couple of years, especially with how expensive the U.S. and Europe are right now.”

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Holiday destinations where your money will go further with the current exchange rate

These are the places to go if you want your money to do more this summer, article bookmarked.

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Holiday season is fast approaching, with warm weather on the way with the bank holiday at the end of this month welcoming the start of summer in the UK.

The end of the school year will soon follow, with plenty of people taking an opportunity to explore Europe.

Foreign holidays don’t have to be the expensive luxury they might seem. Much of Europe remains accessible on a budget , and there are countries where your money will go further this summer due to exchange rate fluctuations.

While the pound has had a tumultuous year, its value has strengthened against the currencies of some European countries, including Turkey and Sweden, with potential for affordable summer city breaks.

Using data and information given by Jack Mitchell, head of travel money at FairFX , we’ve unearthed some of the best destinations where your money will go further this summer.

Istanbul, Turkey

• Exchange rates: £500 can currently buy you 12,062.95 Turkish lira, compared to 9,519.25 at this time last year
• Accommodation prices: Double rooms in three-star, city centre hotels available from £50 per night
• Flights: Return flights from Gatwick for £190

Famously the only city in the world to straddle two continents, Istanbul is also the largest city in Europe. Steeped in history, the city has been the centre of three historic empires (the Roman, Byzantine and Ottoman empires) and many of its monuments and much of its architecture reflecting this. The main sites include the Hagia Sophia and the Blue Mosque, two neighbouring mosques built in the 6th and 17th centuries, respectively. Both are in the Sultanahmet district, known as the Old City, where many shops, restaurants and hotels line the streets.

Certainly a destination for exploring , other sights include the Topkapi Palace (once the centre of Ottoman rule), the ancient Galata Tower, and cruises along the Bosphorus Strait, where Europe meets Asia.

Bergen, Norway

• Exchange rates: For £500 you will get approximately 6,583.7 Norwegian Krone; last year you’d have got NOK 5,759.95
• Accommodation prices: Double rooms in thecity centre for £80 per night
• Flights: Return flights from Gatwick available for £154

Norway’s second city is small by city standards, with a population of just under 280,000 (roughly half the size of Manchester’s), giving it the feel of a small town rather than a busy metropolitan centre. However, this is part of the appeal. Surrounded by mountains and a section of the North Sea, nature is an important part of the city, from outdoor activities (think hiking and kayaking) to a fish market that traces its roots back to the 1200s.

Bryggen, the historic area around the harbour, is a colourful Unesco World Heritage Site where tourists flock for bars and restaurants, while other neighbourhoods such as Vaskerelven and Nygardsgaten offer a less crowded experience. Whatever your fancy, make sure to take a fjord tour for a half-day boat trip to see dramatic waterfalls and steep mountains.

Read more on Europe travel :

• How to see the Northern Lights in Iceland
• Turkey travel guide: Everything you need to know before you go
• Italy’s 1 euro houses: who can buy one and how does it work?

Gothenburg, Sweden

• Exchange rates: This year, £500 buys you 6,398.35 Swedish Krona, in comparison to 6,182.55 last year
• Accommodation prices: Double rooms in central hotels from £71 per night
• Flights: Return flights from Heathrow are currently priced around £112

Named as the most sustainable city in the world in last year’s Global Destination Sustainability Index (Bergen was named in second place), Gothenburg is Sweden’s second city, with a city-wide focus on environmentally friendly living. The focus on sustainability means that cycling has become a great way to navigate the city.

Many of the most popular activities consist of exploring different sites and areas, from the Botanical Gardens or Slottsskogen Park to the Haga district, one of the oldest neighbourhoods in the city. Nevertheless, the city still has its fair share of cultural activities, including a natural history museum, a science museum and the Museum of Fine Art.

Reykjavik, Iceland

• Exchange rates: The current rate will get you 84,930 Icelandic Krona for £500, an increase of 1,260 ISK
• Accommodation prices: Double rooms from £100 per night
• Flights: Multiple airlines fly from Heathrow, Gatwick, Stansted and Luton, starting at £90 for return flights with easyJet

Reykjavik is the capital city of a country with a population of around 330,000 people, and 120,000 of them live here. It’s the world’s most northerly capital, a city of many opportunities for budding tourists. It’s a great base for exploring many of the country’s main natural sites, with drives of under two hours to Thingvellir National Park, Gullfoss Falls and the Kerid Crater (among other areas of natural beauty).

It also acts as a base for numerous Northern Lights trips, while most visitors will also go to Iceland’s famous Blue Lagoon, a manmade geothermal spa located in a lava field around 50 minutes’ drive from the capital . Despite all the amazing nature, it’s worth remembering that the city itself also has some interesting attractions, including the Reykjavik Art Museum and the National Archives of Iceland.

Nairobi, Kenya

• Exchange rates: £500 will buy you 83,395 KES in 2023, up from 74,760 KES last year
• Accommodation prices: Hotels near the city centre start at under £30 per night
• Flights: Return flights vary in price but can be found for as little as £480

The Kenyan capital is a gateway to the country’s many world-famous safari destinations, such as the Maasai Mara National Reserve or the Tsavo East National Park, both offering excellent opportunities to see the Big Five. Nevertheless, for those not wanting to venture too far, the city has Nairobi National Park, where you can see over 100 different animals including black rhinos, lions, buffalo and giraffe.

Within the city itself, Nairobi National Museum is the best place to learn about Kenyan history, while the Maasai Market is one of the best places to go to immerse yourself in the local art and crafts scene. In the south of the city, the Bomas of Kenya showcase traditional villages that belong to local tribes, with dozens of cultural performances including music and dance.

Toronto, Canada

• Exchange rates: Last year, £500 would buy you 817.40 CAD; now, it gets you 850.45
• Accommodation prices: Central hotels are available from roughly £140 per night
• Flights: Return flights available from £285

Toronto is Canada’s largest city, a busy metropolis of almost three million people with a wide array of different neighbourhoods and districts to explore. The Entertainment District is home to many of the city’s theatres, performance venues and nightclubs, while the Distillery District is a pedestrian zone that contains several 19th-century red-brick buildings and various shops, bars and restaurants. West Queen West is one of the more trendy areas, with a mix of street art and varied shops, and there are plenty of cultural enclaves across the city, such as Little India, Chinatown, Greektown or Little Italy.

Meanwhile, anyone looking to escape the buzz of the city can visit some of its green spaces . High Park is a 399-acre park in the middle of the city, while the Botanical Gardens are a series of 17 gardens that aim to “educate and inspire” with learning experiences for all ages. For a longer day out, The Toronto Islands are a small island chain, just a 13-minute ferry from downtown, with beaches, woodland and opportunities for cycling, hiking, canoeing, paddling boarding and more.

Mumbai, India

• Exchange rates: At the current rate, £500 buys you 51,005 INR, compared to 49,304.90 last year
• Accommodation prices: Double rooms available starting at £38 per night
• Flights: Return flights from £468

Home to 12 million people, Mumbai is renowned for bustling markets, street food, buzzing nightlife and crowded roads and streets. While movie buffs might want to visit Film City to learn what goes on behind the scenes in Bollywood, architecture aficionados will want to see the Gateway of India and two of the city’s Unesco sites, the Chhatrapati Shivaji railway terminus and The Victorian and Art Deco Ensemble of Mumbai (a group of 19- and 20th-century buildings, including the University Library and Rajabai Clock Tower).

Other highlights include the Chhatrapati Shivaji Maharaj Vastu Sangrahalaya, which documents Indian history from pre-historic times, or the Kala Ghoda Art Precinct, an artistic district offering several galleries and museums. Shopping can range from the high-end (in neighborhoods like Bandra and Colaba) to traditional (in markets such as Crawford Market and Chor Bazaar). Alternatively, head to one of the city’s various beaches (Juhu Beach and Girgaum Chowpatty are popular) for sunsets, swimming, street food and relaxation.

Bodrum, Turkey

• Exchange rates: £500 now buys you 12, 062.95 Turkish lira, far more than the 9,519.25 it would have bought last year
• Accommodation prices: Prices vary depending on area, but good hotels can be found for as little as £40 per night
• Flights: EasyJet and Tui offer return flights for as little as £182

A popular tourist destinations with Britons, the Bodrum Peninsula (including the eponymous city) sits on the Aegean Sea in the southwest of Turkey . The city itself is built on the ancient ruins of Halicarnassus (once home to the Mausoleum, one of the Seven Wonders of the Ancient World), and is steeped in history. This includes Bodrum Castle and the Museum of Underwater Archaeology.

With average temperature highs well into the 30s between June and September, this part of the country is an excellent choice for warmth and sun during your summer holiday, with dozens of picturesque beaches and warm, turquoise waters. Other outdoor activities include hiking, sailing and exploring some of the charming surrounding towns, such as Bitez.

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19 Best Travel Credit Cards Of June 2024

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Updated: Jun 6, 2024, 11:02am

For anyone who travels enough to have a travel savings account, like I do, credit cards are a valuable resource toward booking and paying for your trip. The rewards can offset a huge portion of your out-of-pocket expenses, and the best cards often pay for themselves both in savings and avoided headaches.

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• 113 countries visited
• 5,500 hotel nights spent
• 93,000,000 miles and points redeemed
• 29 loyalty programs covered

Best Travel Rewards Credit Cards

• Chase Sapphire Preferred® Card : Best Travel Credit Card for Beginners
• Capital One Venture Rewards Credit Card : Best Flat-Rate Rewards Credit Card for Travel
• Wells Fargo Autograph Journey℠ Card * : Best Travel Earnings Without a Portal
• Bank of America® Premium Rewards® credit card : Best Card for Bank of America Preferred Rewards Members
• Chase Freedom Flex℠ : Best Intro APR Travel Card
• American Express® Green Card * : Best Travel Card for Varied Spending
• Capital One Venture X Rewards Credit Card : Best Premium Travel Rewards Card
• Chase Sapphire Reserve® : Best Travel Credit Card for International Travel
• The Platinum Card® from American Express : Best Travel Rewards Credit Card for Lounge Access
• American Express® Gold Card : Best Travel Rewards Earning for Foodies
• Aeroplan® Credit Card : Best Airline Rewards Program for International Travel
• British Airways Visa Signature® Card : Best for British Airways Passengers
• United Quest℠ Card : Best United Credit Card
• United Club℠ Infinite Card : Best Premium Airline Card
• IHG One Rewards Premier Credit Card : Best Midrange Hotel Card
• The World of Hyatt Credit Card : Best Travel Credit Card for Hyatt Loyalists
• Wyndham Rewards Earner® Plus Card * : Best for Road Warriors
• Marriott Bonvoy Boundless® Credit Card * : Best for Marriott Customers
• Hilton Honors American Express Surpass® Card : Best Credit Card for Hilton Travelers
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OFFER ENDING SOON: EARN 75K WELCOME BONUS POINTS

Chase sapphire preferred® card.

Up to 5x Reward Rate

Earn 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all Read More

Welcome Bonus

75,000 bonus points

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21.49%-28.49% Variable

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Excellent, Good (700 - 749)

Offering a rare mix of high rewards rates and redemption flexibility, this card is a dream for frequent spenders on travel & dining – while charging a modest annual fee.

• Earn high rewards on several areas of spending
• Transfer points to travel partners at 1:1 rate
• Many travel and shopping protections
• No intro APR offer
• Best travel earning rates are only for bookings through the Chase Travel portal
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Best Travel Cards with a Low Annual Fee

Best travel credit card for beginners.

I jumped at the chance to get the Chase Sapphire Preferred® Card when it was first launched. More than a decade later, I’m still a loyal cardholder. It’s the ideal starter card for someone dipping their toe into travel rewards and I’m living proof you may never need to upgrade. Cardholders earn valuable Chase Ultimate Rewards® points for access to transfer partners or for easy, no-strings-attached redemptions through Chase Travel℠. There’s no foreign transaction fee and a wide selection of travel insurances.

Why We Like It

For a modest annual fee of $95 (which can be partially offset with an annual $50 hotel credit) you get a rare mix of high rewards rates and redemption flexibility.

What We Don’t Like

The highest earning rate requires making reservations through Chase Travel℠, which doesn’t include direct bookings or online travel agencies.

Who It’s Best For

Travelers who want to earn transferable points without a steep annual fee.

I​​t’s the granddaddy of travel credit cards, but it still earns its reputation as one of the best around with solid bonus categories, strong travel protections, a great set of domestic and international transfer partners and a reasonable annual fee to boot. You can’t go wrong with it as your first travel credit card.

Best Flat-Rate Rewards Credit Card for Travel

Capital one venture rewards credit card.

Up to 5X Reward Rate

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on Capital One Entertainment Read More

Earn 75,000 bonus miles

19.99% - 29.99% (Variable)

Casual travelers who don’t plan to carry a balance will find good value in the Capital One Venture Rewards Credit Card‘s earnings rates ( rates & fees ). And if you appreciate the skip-the-line perks of TSA PreCheck® and Global Entry as much as I do, you’ll be grateful for the up to $100 credit toward program fees.

You can earn double miles on every purchase and can access transfer partners without ponying up a triple-digit annual fee.

Expect dialed-back benefits compared to more premium travel cards. You’ll still enjoy select trip protections along with no foreign transaction fee. Keep in mind that you’ll want to redeem for travel bookings or transfers to partner programs (cash back redemptions are often not the best value).

Cardholders who want to earn travel rewards at a flat rate.

The Capital One Venture Rewards card is extremely low maintenance as far as travel reward cards go. It provides consistent value and flexibility when it comes to earning and redeeming points for travel and is an excellent alternative for anyone a bit leery of the high Venture X annual fee ( rates & fees ).

• Solid rewards rate
• Global Entry or TSA PreCheck® statement credit (up to $100)
• No foreign transaction fees
• Miles are easy to redeem either via partner transfers or by applying against travel purchases
• $95 annual fee
• No introductory APR on purchases or transfers
• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
• Miles won’t expire for the life of the account and there’s no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

Best Travel Earnings Without a Portal

Wells fargo autograph journey℠ card *.

Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points Read More

60,000 bonus points

21.24%, 26.24% or 29.99% variable APR

We love that the Wells Fargo Autograph Journey℠ Card * bestows you with strong earning rates on travel without requiring you to book through a card’s portal. Go ahead and book directly with your preferred airline and hotel: You’ll earn 5 points per dollar on hotels, 4 points per dollar on airlines, 3 points per dollar on other travel and restaurants and 1 point per dollar on other purchases.

There’s a minimal annual fee for this card and it comes with the opportunity to earn a $50 statement credit each year when you spend $50 or more on airline purchases. That’s a bargain travelers will love.

For now, there’s a limited number of transfer partners, which means you’ll have fewer redemption options than what some other issuers provide.

We think this card is a perfect fit for travelers who like to book trips directly, especially if they’re looking for cash-back rewards rather than travel transfers.

Wells Fargo has entered the premium card market with its highly anticipated Autograph Journey card which offers accelerated points earnings on airfare, hotels and restaurants. It’s also the newest card to offer the option to redeem points by transferring them to travel partners.

• Solid welcome bonus
• High rewards rates on travel and restaurants
• Annual statement credit for airfare
• Limited everyday bonus rewards
• Few transfer partners
• Charges an annual fee
• Earn 60,000 bonus points after spending $4,000 in purchases in the first 3 months of account opening – worth up to $600 toward your next trip
• Earn unlimited 5 points per dollar spent on hotels, 4 points on airlines, 3 points on other travel and restaurants and 1 point on other purchases
• Earn a $50 annual credit with $50 minimum airline purchase
• Cell phone protection against damage or theft, subject to a $25 deductible
• Complimentary 24/7 Visa Signature® Concierge

Best Card for Bank of America Preferred Rewards Members

Bank of america® premium rewards® credit card.

Up to 2X Reward Rate

Earn unlimited 2 points for every $1 you spend on travel and dining purchases. Earn 1.5 points for every $1 Read More

60,000 points

21.24% - 29.24% Variable APR on purchases and balance transfers

Good, Excellent (700 - 749)

The Bank of America® Premium Rewards® credit card won’t turn heads unless you’re a Preferred Rewards member with substantial account balances at Bank of America. But if you are, watch your rewards grow at amazing rates.

I have no problem earning $100 in statement credits annually for airline incidental charges, my favorite perk of the card. And while it won’t be relevant to everyone, some Bank of America account holders could earn an incredible 25-75% more in rewards on every purchase.

The standard earning rate on this card isn’t notable. You’ll earn 2 points per dollar on travel and dining purchases and 1.5 points per dollar on all other purchases.

This card stands out for someone who already qualifies for Preferred Rewards, or is willing to move banking balances to Bank of America and their partners accordingly.

The best travel credit cards make it easy to earn back the annual fee every year, and the Premium Rewards credit card is one of those. It’s also a rewards powerhouse for Bank of America Preferred Rewards customers.

• No foreign transaction fee
• TSA PreCheck® or Global Entry fee credit
• Visa Signature concierge benefit
• Flexible reward redemption options
• High penalty APR
• High balance transfer fee
• High standard APR and cash advance APR
• No airport lounge perks
• Low $95 annual fee.
• Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
• If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 – 2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best Intro APR Travel Card

Chase freedom flex℠.

Up to 5% Reward Rate

Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through Read More

20.49%-29.24% Variable

I don’t automatically think of the Chase Freedom Flex℠ as a travel card, but it’s a great everyday card that also rewards you generously for bookings made through Chase Travel℠.

In addition to the welcome offer and ongoing rewards this card offers, new cardholders can also take advantage of a 0% introductory APR to help pay off their travel expenses: 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24% applies. Balance transfer fee of up to 5% (min. $5) of the amount of each transfer applies.

Rewards are initially made available as cash back. If you want to transfer your rewards to partnering airlines and hotels, you’ll also need to hold an Ultimate Rewards card that offers that feature.

The Freedom Flex requires a little more hands-on management to earn in its quarterly bonus categories, so it’s a better fit for someone willing to stay on top of details.

Kudos to Chase for always keeping the rotating categories relevant on the Freedom Flex. From Amazon to PayPal and Starbucks to Walmart, you’re almost guaranteed to find at least one quarter every year (or even several) where the 5 bonus points roll in with almost no effort. Just don’t forget to activate the categories every quarter.

• No annual fee
• Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
• Travel rewards rate rivals some of the best premium travel cards
• Generous rewards rate in several other categories
• Travel bookings must be made through Chase Travel℠ to earn 5% cash back
• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
• Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Best Travel Card for Varied Spending

American express® green card *.

Up to 3X Reward Rate

Earn 3X Membership Rewards points on eligible travel, transit and restaurant purchases including takeout and delivery in the U.S. Earn Read More

Earn 40,000 points

See Pay Over Time APR

Excellent/Good (700 - 749)

When you don’t want to limit your earnings only to travel charges, check out the American Express® Green Card * . It offers elevated rewards on dining and local transit, too.

Cardholders have access to annual statement credits for CLEAR® Plus and LoungeBuddy charges, which can easily exceed the cost of the card’s annual fee.

Amex isn’t always accepted overseas, which could be a major issue for international travelers, if they don’t have a backup card.

This is a great midrange card that has access to American Express Membership Rewards®, making it a good choice for someone who doesn’t want the high cost of a Gold or Platinum card.

Occasional travelers who want to be treated like VIPs will find that the Amex Green card has an ideal set of perks. The $100 annual LoungeBuddy credit is just enough to cover airport lounge access a few times a year, and the CLEAR credit provides expedited access through TSA security at major airports across the country. Put them together and it’s a perfect balance of benefits for infrequent flyers at a relatively low annual fee.

• Flexible redemption and points transfer options
• High rewards rate on dining, travel and transit
• Mediocre base rewards rate
• Limited features and perks
• No balance transfer option
• Earn 40,000 points after spending $3,000 on purchases in the first 6 months
• Earn 3 points per dollar spent on travel, transit purchases and eligible purchases at restaurants worldwide
• Earn 1 point per dollar on all other eligible purchases
• $189 CLEAR® Plus and $100 LoungeBuddy credits
• Trip delay insurance

Best Premium Travel Cards

Best premium travel rewards card, capital one venture x rewards credit card.

Up to 10X Reward Rate

Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and 10 miles per dollar Read More

Excellent (750 - 850)

The Capital One Venture X Rewards Credit Card ( rates & fees ) is packed with extras that put it firmly in competition with other upscale credit cards. Just as important, the easy earnings structure is ideal for anyone who doesn’t want to stress over details.

Its annual fee is easily recouped through an annual $300 credit for bookings through Capital One Travel and 10,000 bonus miles after your anniversary, which makes the perks feel almost free. A Priority Pass membership also provides value, giving you access to 1,300+ lounges worldwide.

The flat-rate earnings mean that if you have high spending in a single category, you might be better off with a different card.

Travelers who want premium benefits and are willing to book through Capital One Travel, at least once a year.

If you’re looking for lofty perks without a lofty annual fee, the Venture X fits the bill. While other cards with elite benefits run nearly $700 a year, you’ll only pay a little more than half that for the Venture X. And you’ll still get Capital One and Priority Pass airport lounge access for you and your guests, an annual travel credit and solid earnings on everyday purchases.

• Annual fee lower than others in its category
• Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
• Miles are easy to earn and easy to use
• Lack of domestic airline and upscale hotel travel partners
• Capital One lounge network in its infancy
• Lack of hotel status benefits
• 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

Best Travel Credit Card for International Travel

Chase sapphire reserve®.

Up to 10x Reward Rate

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Read More

22.49%-29.49% Variable

Earn superior points rates if you spend frequently on travel and dining out with the Chase Sapphire Reserve® . Its greatest selling point, though, is the awesome list of 1:1 transfer partners. There’s also best-in-market travel insurance benefits and no foreign transaction fee. Plus, as a Visa card , it’s also widely accepted worldwide, so if you travel at least a couple times per year, this card deserves serious consideration.

Cardholders can make up for a chunk of the annual fee with the $300 annual travel credit, a Priority Pass Select airport lounge membership and up to a $100 credit every four years to cover your Global Entry, TSA PreCheck® or NEXUS application fee, all of which make far-flung travel easier to bear. The travel protection benefits have personally reimbursed me more than $1,000.

There’s an extra fee to add an authorized user to your account.

Anyone looking to take advantage of built-in travel insurance protections.

The Chase Sapphire Reserve card is one of the most valuable flexible rewards credit cards thanks to its lucrative bonus categories and easy-to-use travel credit. Cardholders can offset the annual fee and get great value when redeeming Chase Ultimate Rewards points earned on the card, thanks to partnerships with numerous airlines and hotels and its convenient travel booking portal, Chase Travel℠.

• $300 annual travel credit is incredibly flexible
• Generous welcome bonus
• Get 50% more value when you redeem points for travel through Chase
• Points transfer to valuable airline and hotel partners
• High annual fee
• High variable APR on purchases
• Excellent credit recommended
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Best Travel Rewards Credit Card for Lounge Access

The platinum card® from american express.

5X Reward Rate

Earn 5 Membership Rewards Points per dollar on prepaid hotels booked with American Express Travel and on flights booked directly Read More

Earn 80,000 points

Good,Excellent (700 - 749)

The Platinum Card® from American Express  is destined for frequent travelers who intend to fully leverage the rich set of travel benefits. Trust me when I say the perks can make you feel like a VIP. The staggering annual fee for this classic status card won’t be worth it for everyone, but in the right hands the expense can be well justified.

Lounge access with this card extends beyond the Priority Pass membership you see on other premium cards. Plus, if you’re looking for a giant welcome bonus to get things started, the Platinum Card certainly shakes things up.

Many of the perks are very specifically applied and may require enrollment. Examples include statement credits toward Uber, Saks Fifth Avenue, select digital entertainment, select hotel stays and airline incidental fees.

Cardholders who will track and maximize the long list of member benefits.

Being an Amex Platinum cardholder grants access to the International Airline Program, which can save you money on first and business class seats on more than 20 airlines as well as premium economy tickets for you and up to seven traveling companions. Start your search on the Amex Travel website to find international flights departing or arriving in the U.S. on any of those premium cabins.

• High reward potential on flights and hotels booked through American Express Travel
• Multiple credits can help justify the fee
• Comprehensive airport lounge access
• Luxury travel benefits and elite status with Hilton and Marriott with enrollment
• Very high annual fee
• Maximizing the statement credits takes some work and could be impractical for many
• Reward rate outside of travel is sub-par for a premium card
• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Best Travel Rewards Earning for Foodies

American express® gold card.

Up to 4X Reward Rate

Earn 4X Membership Rewards® points at restaurants, plus takeout and delivery in the U.S.; Earn 4X Membership Rewards® points at Read More

Earn 60,000 points

Foodies and travelers can leverage the American Express® Gold Card  to the hilt, earning up to 4 points per dollar. The annual fee may seem intimidating—I get that. But my household comes out ahead by taking advantage of the card’s dining credits and rotating Amex Offers. It’s an appealing option for anyone who wants to redeem travel rewards but doesn’t spend enough on flights or hotels to require elevated earning categories on travel itself.

The grocery earnings on this card are impressive and rare for a travel card. For someone who wants to transform everyday expenses into a vacation, this card seamlessly blends the experience.

The Amex Gold provides dining credits valid at GrubHub and more plus Uber Cash, but you’re required to enroll and credits are dished out monthly rather than in an annual lump sum.

Cardholders with high spending on food expenses.

This card makes it easy to earn Membership Rewards points while doing regular grocery shopping since the card earns bonus points at supermarkets. And for the nights that cardholders don’t want to cook, they can make use of the monthly dining and Uber credits (which can be used on Uber Eats orders).

• High rewards earnings possibilities
• Points transfer option to many partners
• Add up to 5 authorized users for no additional annual fee
• Can choose from regular or rose gold versions
• No lounge benefits
• Limited options to carry a balance
• High APR for pay over time feature
• High pay over time penalty APR
• Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.

Best Travel Cards for Airlines

Best airline rewards program for international travel, aeroplan® credit card.

Up to 3x Reward Rate

Earn 3x points for each dollar spent on grocery stores, dining at restaurants including takeout and eligible delivery services, and Read More

Earn 70,000 points

21.74% - 28.74% Variable

Many people—myself included—might be tempted to overlook this card that seems geared toward Air Canada passengers. But the Aeroplan® Credit Card recently caught my eye for its strong earning potential and the option to redeem miles for award flights on partner airlines, of which there are dozens.

This card allows you to earn quickly and stretch your miles far. Cardholders may also have access to reduced-price award flights.

Learning the ins and outs of Aeroplan rewards requires a little extra attention. And if you’re drawn in by the automatic status benefits, keep in mind that maintaining status after your initial benefit requires spending $15,000 on the card in a calendar year.

Savvy travelers who mostly fly internationally.

Chase and Air Canada’s co-branded Aeroplan Credit Card will serve as an excellent companion for frequent flyers of Star Alliance and its carriers from United to Lufthansa as you earn valuable Aeroplan points. Maximize your Aeroplan points and redeem for flights and hotels through an extensive partner network. Enjoy additional points-earning opportunities in key everyday categories.

• Excellent rewards earning
• Travel benefits including perks for Air Canada flyers
• Lacks non-travel-related benefits
• Earn 70,000 bonus points
• Earn 70,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
• $95 Annual Fee
• Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
• Fly to another continent and travel the world with the Aeroplan® Credit Card.
• Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
• 500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month.

Best for British Airways Passengers

British airways visa signature® card.

Earn 85,000 Avios.

British Airways’ Avios reward currency is looked down upon by lots of travelers, but the British Airways Visa Signature® Card offers value, if you know where to look.

This card makes it even easier to lock in a deal, thanks to flight discounts, statement credits toward award flights and the chance to earn a Travel Together Ticket.

Many British Airways redemptions have really high fees associated with them, which takes some of the fun out of booking award flights.

Travelers who fly British Airways annually or more often.

Those who spend enough to earn the Travel Together Ticket can get 50% off the price of their award ticket when traveling solo or get a second seat on the same flight and cabin for a companion at no additional cost beyond taxes and fees. Travel Together Tickets are now valid on British Airways, Iberia and Aer Lingus flights and any of their subsidiaries on itineraries from anywhere in the world for both one-way or round-trip flights.

• Generous rewards on eligible flights
• Potential to earn a companion ticket
• Lucrative welcome bonus
• Rewards rate poor outside of Avios-earning airlines
• Subject to Chase’s 5/24 rule
• No checked baggage or lounge perks
• Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
• Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
• Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
• 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
• Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
• Pay no foreign transaction fees when you travel abroad.
• Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!

Best United Credit Card

United quest℠ card.

3 miles per $1 spent on United® purchases. 2 miles per $1 spent on dining, select streaming services & all Read More

Earn 60,000 bonus miles

21.99% - 28.99% Variable

Good/Excellent (700 - 749)

Frequent United Airlines customers will appreciate that the United Quest℠ Card comes with an annual $125 United credit, rewards on travel and dining and travel protections such as primary car rental coverage and trip cancellation insurance.

This card rewards your loyalty. You can earn award flight credits after renewing the card and booking eligible award flights with your miles. You’ll also earn 25 Premier Qualifying Points for every $500 in net purchases (including purchases made by authorized users) up to a maximum of 6,000 PQPs, in a calendar year.

The annual fee on the United Quest is more than double the average airline card.

United flyers who aren’t interested in committing to an ultra-premium card.

Don’t let the card’s annual fee scare you off. Even if you’re not a frequent flyer, the perks can make this card worth your while, and the rewards rates are better compared to most airline cards.

• $125 annual United purchase credit
• Earn up to two 5,000-mile award flight credits annually
• Two free checked bags for cardholder and a companion traveling on the same reservation
• Earn up to 6,000 Premier Qualifying Points annually
• Primary auto collision damage waiver for eligible rentals
• Checked baggage benefit only applies to one companion
• Earnings for general purchases are only 1 mile per dollar
• Earn 60,000 bonus miles and 500 PQP after qualifying purchases
• Earn 3 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel, dining and select streaming services
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags – a savings of up to $320 per roundtrip (terms apply) – and priority boarding
• Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
• Earn up to 6,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)

Best Premium Airline Card

United club℠ infinite card.

Earn 4 miles per $1 spent on United® purchases; Earn 2 miles per $1 spent on all other travel and Read More

Earn 80,000 bonus miles

United’s top-tier card ties up the whole package. A suite of travel perks makes the United Club℠ Infinite Card a compelling value, with the United Club membership alone worth more than the annual fee. If I flew more often, I’d be tempted by the ability to earn Premier Qualifying Points for eligible charges.

The most prominent benefit is access to United Club airport lounges and other Star Alliance Gold lounges. You’ll also receive two free checked bags for yourself and another person traveling on the same reservation, expedited check-in, security screening and boarding, expanded access to award flights and Premier Upgrades on award tickets, if you have status.

Many loyal customers may already have elite status with United, making the included Premier Access benefits redundant.

United flyers who want airport lounge access when traveling.

If reaching a higher status with United is a priority, the United Club Infinite all but guarantees it, as long as the card is used regularly. Cardholders also enjoy frequent seat upgrades (depending on route and availability) plus always-free United Club access. But these perks come with a hefty price tag.

• United Club membership is worth more than the annual fee
• First and second checked bag free when you pay for your flight with your card
• High regular APR
• Earn 80,000 bonus miles after qualifying purchases
• Earn 4 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel and dining
• Free first and second checked bags – a savings of up to $320 per roundtrip (terms apply) – and Premier Access® travel services
• 10% United Economy Saver Award discount within the continental U.S. and Canada
• Earn up to 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)

Best Travel Cards for Hotel Points

Best midrange hotel card, ihg one rewards premier credit card.

Up to 26X Reward Rate

Earn up to 26 points total per $1 spent when you stay at IHG Hotels & Resorts; 5 points per Read More

Earn 140,000 bonus points

21.49% - 28.49% Variable

I stay at IHG properties only a few times a year, but the IHG One Rewards Premier Credit Card is a mainstay in my husband’s wallet. Get it for the benefits, not the points potential: We love the Anniversary Free Night—which alone justifies the annual fee—and appreciate the fourth-night-free feature.

High spenders are showered with extra love. You can earn statement credits, bonus points or upgraded elite status when hitting spending thresholds on the card.

The earning rates aren’t as high as they seem once you realize that IHG One Rewards are typically worth less than a penny apiece.

Travelers who stay at IHG properties one or more times per year.

The IHG One Rewards Premier blows all other mid-tier hotel credit cards out of the water with perks alone. You don’t even have to use the card regularly to offset its annual fee every year.

• Earn up to 26 points per dollar spent when you stay at IHG Hotels & Resorts, 5 points on travel, gas stations, and restaurants and 3 points on all other purchases
• Free night award every account anniversary
• Fourth night free on point redemption stays
• Automatic Platinum Elite status
• No worthwhile redemption options outside of IHG properties
• Low overall point value
• Earn 140,000 Bonus Points
• Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
• Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
• Automatic Platinum Elite status as long as you remain a Premier cardmember
• Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Best Travel Credit Card for Hyatt Loyalists

The world of hyatt credit card.

Up to 9X Reward Rate

Earn up to 9 points total per $1 spent at Hyatt - 4 bonus points per $1 when you use Read More

Up to 60,000 Bonus Points

21.49% - 28.49% variable

While Hyatt doesn’t have an extensive network of properties compared to other chains, the value offered by The World of Hyatt Credit Card is outstanding. If you’re a regular at Hyatt, a combination of high redemption values, sweet perks and one free night per year easily covers the annual fee and then some.

The card comes with five qualifying night credits, but cardholders can earn more through card spending to work their way up the elite ladder.

The automatic Discoverist elite status for cardholders is, frankly, uninspiring.

Hyatt enthusiasts looking to earn extra points and work toward status.

For many Hyatt loyalists, earning Globalist status each year is a priority and this card can help them get there faster by providing five elite night credits annually. Plus the complimentary yearly certificate for a category 1 to 4 Hyatt hotel counts toward elite status too and can offset the card’s annual fee.

• Annual free night certificate on cardmember anniversary
• Complimentary World of Hyatt Discoverist status
• High points redemption values
• Limited number of properties
• No worthwhile redemption options aside from Hyatt properties
• Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
• Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
• Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
• Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
• Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
• Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
• Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
• Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Best for Road Warriors

Wyndham rewards earner® plus card *.

Up to 6X Reward Rate

Earn 6 points per $1 spent on eligible purchases made at participating By Wyndham hotels and at gas stations; Earn Read More

100,000 bonus points

20.99% - 29.99% variable

Excellent/Good Credit (700 - 749)

The Wyndham Rewards Earner® Plus Card * offers solid hotel benefits and earning rates for travelers—especially road trippers, thanks to gas rewards and properties that line the interstates.

Guests have access to discounts on both paid and award stays with Wyndham-family hotels. Cardholders are also boosted to Platinum status for upgrades and extras while traveling. And high spenders get an additional reward on top of all this: You’ll earn 7,500 bonus points each anniversary year.

Wyndham Guest Rewards don’t always provide outsized value, which puts your earning rates in perspective.

This card is an obvious choice for regular Wyndham travelers who can take advantage of the discounts and bonus points.

Wyndham loyalists will enjoy the array of perks and benefits offered by the Wyndham Earner Plus card. By providing complimentary PLATINUM loyalty status, this card is primed to ensure an enhanced experience at Wyndham’s 9,000+ properties.

• Automatically receive Wyndham Rewards Platinum elite status
• Enjoy extra discounts on local attractions when booking “Go Free” awards
• APR can be high, depending on your creditworthiness
• Target and Walmart only earn 1 point per dollar spent
• Only hotel redemptions offer good value
• Earn 100,000 bonus points after spending $2,000 on purchases in the first six months of account opening. Resort fees may apply
• Earn 6 points per $1 spent on hotels by Wyndham and gas purchases
• Earn 4 points per $1 spent on dining and groceries (excluding Target and Walmart)
• Earn 1 point per $1 spent on all other purchases
• Receive Wyndham Rewards PLATINUM membership, which includes early check-in, car rental upgrades and more
• Receive 7,500 bonus points each anniversary year

Best for Marriott Customers

Marriott bonvoy boundless® credit card *.

Earn 6 points for every $1 at participating Marriott Bonvoy hotels, 3 points for every $1 spent each year (up Read More

Earn 3 Free Night Awards

Overwhelmed by all of Marriott’s credit card options? So am I. The Marriott Bonvoy Boundless® Credit Card * is the best value for most customers, given a robust set of perks and rewards potential without an eye-popping annual fee.

The Free Night Award, provided each year after renewal, is valued at 35,000 points and can be topped off if you prefer an upgraded stay.

If you currently hold a Marriott-branded credit card, you may not be eligible for this one. Choose your card wisely before applying!

Marriott Bonvoy members looking for a little extra without a high annual fee.

The card’s free award night perk alone makes the card worth a spot in any traveler’s wallet. The option to combine the certificate with up to 15,000 points to get more flexibility for your annual stay is a nice touch.

• Free night certificate every year (valued at 35,000 points)
• 15 Elite Night Credits per year
• Automatic Silver Elite status
• Stingy earnings structure
• Earn 3 Free Night Awards after spending $3,000 on purchases in the first three months of account opening
• Earn 6 points per dollar on qualifying Marriott Bonvoy hotel stays
• Earn 3 points per dollar spent on the first $6,000 spent in combined purchases each year on groceries, gas stations, and dining
• Earn 2 points per dollar spent on all other purchases
• Points don’t expire as long as you make purchases on your credit card every 24 months

Best Credit Card for Hilton Travelers

Hilton honors american express surpass® card.

Up to 12X Reward Rate

Earn 12X Hilton Honors bonus points on eligible purchases at participating hotels or resorts within the Hilton portfolio; Earn 6X Read More

Earn 130,000 bonus points

20.99%-29.99% Variable

For a midrange card, you’ll enjoy fabulous on-site perks with Hilton just for being a Hilton Honors American Express Surpass® Card  member. You’ll have automatic Gold status without any spending or earning requirements.

The elite status is significant, but so are the points. The Surpass is known for its sizable welcome offer and strong earnings on Hilton spending. There’s hotel savings, too: You can earn statement credits when using your card to pay for a Hilton stay, up to $50 per quarter (that’s $200 per year).

Though some other hotel credit cards dole out free night certificates like candy, you have to earn one with the Surpass. It takes $15,000 in annual eligible spending for a free night reward.

Unsurprisingly, this card is best for someone who travels with Hilton throughout the year. The quarterly statement credits mean you’ll need to stay often to maximize that benefit.

The Hilton Surpass is a great fit for Hilton fans who don’t want to pay a high annual fee to earn points and status with their favorite hotel chain. The card’s complimentary Hilton Gold elite status and Free Night Reward after spending $15,000 on the card in a year are nice perks and the up to $200 in credits for purchases at Hilton properties each year are more than enough to offset the card’s entire annual fee on their own.

• Complimentary elite Gold status
• Up to $200 back annually on eligible Hilton purchases
• 4 points per dollar on U.S. online retail purchases
• Points have a low redemption value aside from Hilton properties
• Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
• Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
• Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
• Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 4X Points for each dollar on U.S. Online Retail Purchases.
• Earn 3X Points for all other eligible purchases on your Card.
• Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
• Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
• Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
• Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• $150 annual fee.

Here's a Summary of the Best Travel Credit Cards

Methodology.

Forbes Advisor considered dozens of airline, hotel and flexible-rewards credit cards to create this list of the best travel credit cards. The primary factors taken into consideration for all types were:

• Estimated annual earnings—25% to 50% depending on card category
• Welcome bonus—15% to 25% depending on card category
• Travel benefits—15% to 25% depending on card category
• Annual fee—5% to 15% depending on card category
• Consumer benefits—0% to 10% depending on card category
• Foreign transaction fee—0% to 5% depending on card category

Hotel earnings rate was weighted 25% for hotel credit cards and airline earnings rate was weighted 15% for airline credit cards.

Forbes Advisor rates cards both as stand-alone products (the card rating on the review) and compared to others in a specific use case. Sometimes, cards with average stand-alone ratings may still rank highly on a particular list according to how a person looking for a card in that category may value certain card features.

For instance, a card that might be considered mediocre overall could be the top card on a list of rewards cards with no annual fee. That’s because the card might offer limited features compared to other rewards cards, but after we remove cards that charge an annual fee, it’s the best card that remains.

Forbes Advisor uses data from multiple government agencies to determine how much a typical cardholder might spend. We use the same numbers for cards in the same category to make sure we are comparing cards the same way. The bonus categories for spending included with each card are factored into our determination of how many rewards a cardholder could expect to earn if they use the card as a consumer normally would.

Read more: How Forbes Advisor rates credit cards

Complete Guide to Travel Credit Cards

What is a travel credit card, how do travel credit cards work, types of travel credit cards, co-branded travel cards vs. general travel cards, pros and cons of travel credit cards, how many travel credit cards should i have, how to compare travel credit cards, evaluating airline credit cards, evaluating hotel credit cards, how to maximize credit card points for travel, how to travel for free with credit cards.

• Travel Rewards Cards in the News

Are Travel Credit Cards Worth It?

Frequently asked questions (faqs).

A travel credit card is a card that earns rewards on travel. Rewards may be earned in the form of airline miles, hotel points or flexible points that can be transferred to partners or applied towards travel charges.

Many travel credit cards also come with additional benefits such as free checked bags, priority boarding, elite status, access to airport lounges and even discounts on hotels or rental cars. Some cards offer welcome bonuses when you meet an initial purchase threshold, which can provide a nice cache of points or miles to help you start redeeming for valuable rewards. The best travel cards also charge no foreign transaction fees, which means there is no extra charge from the credit card company to make purchases abroad.

A travel rewards credit card accrues miles or points for each purchase made with the card. Every card has a different earning and redemption structure.

• A co-branded card , like one labeled with Marriott or Southwest, will earn rewards in the specifically named travel brand.
• General travel cards may instead earn flexible bank points, like those you see with Chase Ultimate Rewards® or American Express Membership Rewards® .

Here’s how credit card points and miles work:

1. Earn rewards when you make purchases. Nearly all purchases on a card will earn rewards at the rate specified by the card. Rates may vary based on the type of purchase.

2. Rewards are deposited into your account. Most cards update your rewards balance once per month, after your billing statement closes. On co-branded cards, travel rewards are typically deposited into your existing airline or hotel account automatically. On general travel cards, you’ll most likely have a bank of points where rewards pool.

3. Consider your reward options. Airline and hotel point values often are variable, which means that the value of a point may fluctuate depending on the specific redemption. Before you make a redemption, ensure that you’re happy with the value of your specific reward.

4. Make a redemption. Once you’ve chosen a redemption option, you’ll need to follow the specific direction to request your reward. Depending on the type of redemption, you might request this through your card issuer through their travel portal or your preferred travel partner.

There are many other intricacies to redeeming miles and points , so if you’re not confident on all your options, you’ll want to review the opportunities from your program before committing to a redemption.

Not all travel credit cards are alike. Here’s how the various types break down, so you can choose which type of rewards card is best for your unique circumstances.

Transferable Rewards Credit Cards

These types of credit cards earn rewards that can be transferred to other programs, like airline or hotel loyalty programs. Transferable rewards include Capital One Rewards , Bilt Rewards , Brex Rewards , Chase Ultimate Rewards® , American Express Membership Rewards , Wells Fargo Rewards and Citi ThankYou® Points .

Airline Credit Cards

Airline credit cards earn miles that can be used to redeem for future purchases with that airline. You can also use that airline’s miles to book flights on partners, which may yield more award opportunities. Some common airline credit card extras may include free checked baggage, priority boarding, a TSA PreCheck® or Global Entry application fee credit and airport lounge access. If you’re able to max out these extras, the perks can often be worth more than the annual fee.

Hotel Credit Cards

With hotel cards, you’ll earn rewards in the hotel’s currency, like Marriott Bonvoy points , Hilton Honors points or World of Hyatt points , which are redeemable towards any eligible hotel property under that brand’s umbrella. Some cards also confer automatic elite status upon ownership, which comes with benefits that can range from late check-out to free breakfast to room upgrades. Additionally, many cards also offer one night free annually every year you renew your card membership, as well as other perks such as airport lounge access.

Fixed-Value Credit Cards

Credit card points may often have a fixed-value when redeemed for things like cash back or travel, where the issuer publishes the cash value per point. For example, a card may offer a value of a penny per point when redeemed for any valid travel purchase. Fixed-value points currencies can also vary by redemption type. For example, points on a card might be worth 1.5 cents each when redeemed for travel rewards, but only be worth 1 cent each when redeemed for cash back.

Business Credit Cards for Travel

If you’re traveling for work and you want to keep your business expenses separate from your personal expenses, a travel business credit card may be worth considering. Business credit cards for travel function the same as consumer credit cards for travel, although the business versions often offer different earning rates and perks, as well as a different annual fee structure.

A co-branded card generally makes sense if you tend to stay loyal to that brand when you travel. Using a co-branded card can fast-track you towards elite status with a hotel or airline and often comes with other valuable benefits. If you’d prefer to fly any airline you choose and stay at any hotel brand you’d like, a general travel card is likely a better choice for your needs.

What You Get With General Travel Credit Cards

With travel credit cards, the level of benefits will most likely be associated with the annual fee. A premium card might come with airport lounge access, travel protections including trip cancellation and delay insurance and exclusive privileges at luxury hotels. A midrange card might still offer auto rental insurance and a Global Entry or TSA PreCheck® benefit . Even a card with no annual fee might offer some basic benefits depending on the card.

What You Get With Co-branded Travel Credit Cards

A co-branded travel card will offer benefits specific to that brand. For airline cards, you might see a checked bag benefit or a discount on in-flight purchases. For hotel cards, you might see a status level, a free annual night award or anniversary points. Both types of cards might offer you the ability to spend towards higher levels of status.

To learn more about the best co-branded credit cards, see our guides below:

• Best Southwest Credit Cards
• Best American Airlines Credit Cards
• Best Delta Credit Cards
• Best United Credit Cards
• Best Hyatt Credit Cards
• Best Marriott Credit Cards

Ask an Expert

Is it better to choose a flexible travel rewards card or one branded to a specific airline or hotel?

Yanely Espinal

Credit Cards Expert

Clint Proctor

Credit Cards Lead Editor

Becky Pokora

Credit Cards Writer

If I had to choose, I’d say flexible travel rewards because it allows for much more versatility in your redemption options beyond just flights and hotel stays. But the best approach is to have both. You can maximize benefits from each card type by earning rewards across all of the spending you normally do, while getting perks with your favorite travel providers at the same time.

Since I’m not particularly loyal to any airline or hotel, I prefer the flexibility of general travel cards. I especially appreciate travel cards that offer transfers to travel partners. With flexible rewards, I can access 10 to 20 or more loyalty programs from a single card. This increases my chances of being able to take advantage of the best award deals that are available for my next trip.

I love that most co-branded travel cards include benefits when booking with that brand. Free night certificates on hotel cards and free checked bags with airlines are valuable perks. Plus, even though earning a single type of point might seem limited, big hotel chains have more than a dozen brand choices and airlines may have 10 or more alliance partners, so you’ll still find plenty of versatility.

The number of travel credit cards you should have depends on how often you travel, which benefits you value, your financial situation and whether you’re willing to spend time tracking multiple cards. Frequent travelers can find value in holding at least one travel card, but may consider holding several. For example, having both an airline card and a hotel card can provide complementary benefits and the ability to earn rewards for all aspects of your travel plans.

When comparing travel credit cards, items to consider include:

• Annual fee. The annual fee on credit cards ranges from zero to several hundred dollars. In general, the more expensive the card, the richer the perks and rewards. It can be well worth it to pay an annual fee, if you’ll use the associated benefits. However, there are travel credit cards without an annual fee , if you’re more comfortable with that structure.
• Foreign transaction fee. If you’re traveling out of the country, be sure your travel card doesn’t carry any foreign transaction fees. Foreign transaction fees can be an additional 2% to 3% surcharge on top of the price of your purchase and makes everything you buy in a foreign country more expensive. Foreign transaction charges also apply to purchases made in other currencies, even if you haven’t left the U.S. The best no foreign transaction fee cards ensure you’re not paying this surcharge.
• Sign-up bonus. If you’re trying to decide between two similar cards, it can help to consider the welcome offer on a given card. Since these are one-time offers, it shouldn’t be the only thing you think about in a travel card comparison, but they can certainly offset the annual fee and/or the cost of future travel.
• Rewards rate. When choosing a card, think about your spending patterns. If you rarely fly, it may not make sense to own a card that offers the most rewards on airline purchases. Choose a card that rewards where you’ll spend most.
• International acceptance. In some countries, all credit cards may be accepted, but that isn’t always the case. When traveling outside of the United States, Visa and Mastercard tend to be more widely accepted than American Express or other cards. Because of this, if you travel often, you may want to choose a Visa or Mastercard either in addition to or in lieu of other types of cards.
• Travel protections. Many travel credit cards include various forms of travel protections, such as trip interruption coverage or collision damage waivers for rental cars. These included protections could save you money compared to separately purchased policies, but won’t necessarily be as comprehensive. If you travel often, it might be worth specifically seeking out the best credit cards with travel insurance or the best credit cards for car rental insurance .
• Perks. Also consider any special perks when you compare credit cards. These might range from airport lounge access to statement credit reimbursements for certain purchases made with select brands or on purchases in specific categories.

Airline credit cards typically earn frequent flyer miles on every purchase. Co-branded airline cards also frequently come with perks while traveling, like free checked bags, enhanced award space or lounge access. They may also help you achieve elite status more easily.

When evaluating the best airline credit cards , think about:

• Earning rates. Many airline credit cards don’t offer elevated earnings on categories other than airline spending, so you’ll need to choose carefully if that’s important to you.
• Perks while flying. Typically, only cards with an annual fee include benefits while flying such as priority boarding or complimentary checked bags.
• Elite-qualifying bonuses. Some cards include bonus elite-qualifying miles when hitting spending thresholds, which can further enhance your flying experience.
• Companion fares. Some airline cards offer the opportunity to earn a companion certificate, which allows you to bring a second traveler on your trip for a reduced price.

Additionally, redeeming frequent flyer miles can be more complicated than requesting cash back or other types of rewards. Though using miles for award flights can lead to tremendous value, you’ll need to learn the ropes of the program.

Hotel credit cards earn points toward future free stays, but this is one case where the benefits can often outshine rewards. More often than not, hotel cards come with automatic elite status, as well as a fast track to even higher levels of status. Plus, annual free night certificates or statement credits add even more to their value proposition.

Many hotel loyalty programs offer multiple co-branded cards to choose from, making it even more important to compare the characteristics of an individual card. It’s not uncommon for a single hotel brand to offer a no-annual-fee card, a mid-tier card and a premium card—each with different earning rates and benefits.

When evaluating hotel credit cards, consider:

• Elite status offers. Generally speaking, cards with higher annual fees may automatically bump you to higher elite status levels, which can be invaluable for frequent stays.
• Free night certificates. Many, but not all, hotel cards offer free night certificates either upon renewal of your card or when hitting spending thresholds. Each certificate may come with restrictions on when or where you can redeem it, so compare fine print.
• Earning rates. Hotel cards may offer huge multipliers on bonus categories, allowing you to earn five to 10 times on certain purchases. However, keep expectations in check: Hotel points may not be worth a full penny per point.
• Statement credits. Some cards may include statement credits toward eligible purchases made at hotels and resorts or even on airline fees or restaurant purchases, which can be valuable, but you’ll need to actually use them.

The best way to make the most of your credit card is to use a card that aligns with your spending patterns.

• Choose a card that offers bonus points in spending categories meaningful to you
• Credit card pairings can maximize your earnings by pooling points from two or more cards that have different bonus categories
• Use your credit card instead of cash or debit when possible

Airline and Hotel Rewards Loyalty Programs

Understanding how to get the most out of the points and miles you earn from your travel credit card goes hand-in-hand with using the loyalty programs offered by most airlines and hotel brands. It’s free to join and you can belong to as many loyalty programs as you like. Typically, when you sign up for a co-branded credit card affiliated with a particular brand, you’ll automatically become a member of the loyalty program if you aren’t already.

Track Your Credit Card Points and Miles Earnings

Tracking your spending allows you to make sure that every time you make a purchase, you’re using the card that earns the most rewards. This means knowing which card to use in which scenario based on how a particular merchant codes the purchase . For example, if you own two credit cards, one that earns high rewards on dining and one co-branded airline card, it might not make sense to use the airline card to pay your restaurant tab since the dining card likely earns more rewards. You can do this by various methods as complicated as creating a spreadsheet or as simple as putting stickers on each card to remind you when to use it.

How To Use Credit Card Points for Travel

Beyond earning rewards, there are strategies to get the most value when it comes time to redeem your rewards, too. When you’re ready to cash in your travel rewards, there’s generally two ways to do it. You can plan the itinerary you want and use your rewards to fully or partially off-set the cost. Or, you can research to see where the rewards you have can be used to get the most bang for your buck. Now, American Express is making it easier for some cardmembers to redeem miles for flights due to a partnership with Point.me .

Find the Best Credit Cards for 2024

No single credit card is the best option for every family, every purchase or every budget. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

Travel with credit card points can save you a lot of money on travel compared to paying full price. A combination of welcome bonus offers and the rewards you earn from everyday spending can add up to hundreds of dollars in value toward free travel. However, you’ll need to learn the rules of your specific program to maximize travel points and get the most possible value

Included statement credits or card benefits can also help you travel for free. Premium credit cards may offer annual credits toward the purchase of select travel, effectively serving as a rebate. Alternatively, you might have airline companion certificates or hotel free night certificates, which work more like a coupon.

Travel Rewards Cards In the News

It’s hard to imagine there’s a need for even more travel credit cards, but a few new cards have launched recently providing even more options for frequent flyers. Qatar Airways launched two new credit cards and Avianca Airlines has a waitlist for their forthcoming card . These are more niche programs that won’t appeal to everyone, but advanced miles gurus will appreciate the new opportunities these cards present.

Study: Many Americans Don’t Want To Pay Credit Card Annual Fees

Many travel rewards cards come with premium benefits—but premium fees to match. While some people find this a fair trade, the vast majority of Americans aren’t interested. According to a survey for Forbes Advisor in May 2024, 38% of respondents prefer no-annual-fee credit cards , regardless of the potential perks. When consumers do consider paying credit card annual fees, the lower the better.

Some of the most rewarding travel cards come with triple-digit annual fees, but not all of them. There are fantastic mid-range choices with annual fees of $99 or less—and they often include benefits that are worth double or triple that cost if you travel a few times a year. However, don’t shy away from travel cards completely even if you’re set against annual fees. The best no-annual-fee travel cards offer fantastic rewards without the out-of-pocket cost.

Generally speaking, yes, travel credit cards are worth it —if you’ll use the benefits. Travel rewards credit cards can be a strategic addition to your finances, if you travel with any regularity. You’ll be able to earn rewards on every purchase and later redeem those rewards toward future trips—often at a higher yield than cash back. Many travel cards also include benefits to enhance your travel experience along the way to add even more value.

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.

To view rates and fees for The Platinum Card® from American Express please visit this page . To view rates and fees for American Express® Gold Card please visit this page . To view rates and fees for Hilton Honors American Express Surpass® Card please visit this page .

What is considered travel for credit cards?

Each issuer’s definition of purchases or categories may vary slightly, but categories likely to be included by any issuer include airfare, hotels, rental cars and cruises. For example, Chase offers a fairly wide definition of travel including airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways and parking lots and garages all considered travel eligible for rewards.

Even if your purchase would typically count toward a category, it’s worth noting that merchants are usually responsible for the categorization. So if the merchant you purchase from isn’t categorized correctly, your transaction likely won’t earn rewards.

Is it a good idea to use a credit card when traveling?

Paying by credit card can be a smart idea while traveling since it offers additional protections compared to paying with cash or debit card. You might also earn rewards on your purchases by paying by card. Before traveling internationally, check to see whether or not your credit card charges a foreign transaction fee. If it does, every transaction will cost you a little extra (usually around 3%). The best travel cards don’t charge this fee.

What is the easiest travel credit card to get?

Most travel credit cards require good to excellent credit scores. However, generally speaking, travel cards with no annual fee are typically easier to be approved for than the ultra-premium travel cards with high annual fees.

What is the best credit card with travel insurance?

Forbes Advisor’s best credit cards for travel insurance list has a variety of cards offering solid travel insurance. Although you shouldn’t get a credit card for this feature alone, it can be a useful money-saving extra. Credit cards that offer travel insurance tend to have high annual fees, so keep this in mind when weighing whether or not you are likely to use the feature.

What is the best card for international travel?

Many credit cards are well suited for international travel. You want to make sure that the card has no foreign transaction fees . It also helps if the card’s points are suitable for the locations where you wish to travel. For instance, if you want to go to Asia, an airline card co-branded with a U.S.-based airline that doesn’t fly to Asia, like Southwest, won’t help you.

How many miles do you need for a free flight?

The number of miles you need for a free flight depends on different factors, including which airline miles you are using, your departure and arrival destination, your dates and other factors. Most domestic airlines have ditched award charts, meaning the price in miles for any flight can vary, even between flights, on the same day.

Domestic flights in the U.S. generally require fewer miles than international flights. Typically, count on spending between 5,000 and 20,000 miles for a domestic one-way economy flight. Long-haul international flights can cost quite a bit more. Plan on spending between 20,000 to 40,000 miles each way to fly to Europe in economy and even more for flights to Asia, Africa and Oceania.

Don’t forget to consider the cost of checked bags and fuel surcharges before booking your ticket. Flights booked with rewards are also often subject to government taxes and fees, which you’ll still be responsible for even when you redeem miles.

How much is a point or mile worth on travel credit cards?

Point values are as varied as the types of points themselves. Some cards’ point values are more straightforward because rates are somewhat tied to the cash prices. However, if a program uses an awards chart, the value of the point varies widely depending on how you are redeeming it. In general, you’ll get the highest value per point on premium airline seats and luxury hotel stays.

What is the difference between points and miles on a credit card?

Points and miles are effectively the same, they’re just different names for the rewards earned on a particular credit card. Some credit cards offer points, some—particularly airline cards—offer miles. But the fundamental function is the same. Rewards cards all earn a specified type of award currency based on your spending that can be used in various ways.

How should I inform my credit card company of upcoming travel?

Notifying your credit card issuer of your travel plans before you travel can help avoid denied transactions due to suspected fraud. An issuer’s system may flag a transaction as suspicious and prohibit a transaction, if it suspects your card or card information has been stolen. For this reason, issuers typically make it fairly easy to notify them when you’re headed out of town. You can notify your issuer of your travels by calling the number on the back of your card or logging onto your card issuer’s website to find the option to submit a travel notice.

Many cards do not require this step, but you can always call your card provider to be certain.

Is three credit cards too many?

As long as you can pay your bills on time and don’t charge more than intended, it’s fine to have three (or more) credit cards. Some people prefer to hold additional cards because they each have different rewards and benefits, though it requires more account management and potentially annual fees. Having additional cards can be beneficial if you ever need to suspend an account for suspicious activity, as well.

Do I have to tell my credit card company when I travel?

Most credit card issuers no longer require you to notify them before travel. In fact, Chase and some other companies have removed the travel notification tools from your online account or app. Card fraud alerts are more advanced now and legitimate transactions should post without incident.

However, you may want to be sure you have access to confirm whether or not something is suspected of fraud just in case—either by making sure your phone number has service abroad to respond to automated text messages or by downloading your card app in advance, to manage your account.

Other Credit Cards To Be Considered

• Best Business Credit Cards for Travel
• Best No Annual Fee Travel Credit Cards

*The information for the following card(s) has been collected independently by Forbes Advisor: Wells Fargo Autograph Journey℠ Card, American Express® Green Card, Wyndham Rewards Earner® Plus Card, Marriott Bonvoy Boundless® Credit Card . The card details on this page have not been reviewed or provided by the card issuer.

With more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptions have helped her travel to more than 50 countries and all seven continents.

Over a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mission to see as much of the world as possible, and strives to give everyone the tools to get out and do the same with simple, actionable information.

Yanely Espinal is the director of educational outreach for Next Gen Personal Finance, a nonprofit working to ensure that every high school student gets a full semester of personal finance education—including lessons in proper credit card usage—before graduation. She is often described as a ball of energy, with a gift for storytelling, and a passion for explaining credit cards and other financial concepts in a straightforward way.   While working as an elementary school teacher, Yanely decided to change her financial life by paying off $20,000 of debt in just 18 months. In 2015 she created MissBeHelpful, a YouTube channel and social media platform that now has over 5 million views, to help others learn the money skills she never learned in school. Some of her most popular videos on the channel include “5 Things to Consider When Applying for a Credit Card” and “When To Pay Your Credit Card Bill and Increase Your Credit Score.”   Her book, “Mind Your Money,” is an Amazon bestseller and was a Plutus Award finalist for Best New Personal Finance Book of 2023. She hosts Financially Inclined from Marketplace, a video podcast for teens about money lessons for living life your own way. Yanely is also a member of CNBC's Financial Wellness Advisory Council and an Advocate at the NGPF Mission 2030 Fund.  

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How to Get the Best Car Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

For a lot of people, buying car insurance is like buying sliced bread. It’s not the most exciting purchase, and the options all seem similar. So thrifty shoppers might simply reach for the cheapest thing on the shelf. But like cheap bread, cheap car insurance may leave you wishing you spent a little more on quality.

“The cheapest is not always the best,” warns Jessica McNally, an agency owner with Goosehead Insurance in Dallas. That’s because there are lots of factors that make up a car insurance company. And while price is one of them, it’s best to look at the bigger picture.

Here’s what to look for when picking the best car insurance company.

1. Choose a financially stable company

The best car insurance companies have plenty of money on hand to pay for customers’ claims. It’s important to check an insurer’s financial stability before buying a policy, especially if it’s a smaller insurer you’ve never heard of.

There are several independent agencies that evaluate the financial strength of insurance companies. One example is A.M. Best. You can use its online search tool to find an insurer’s financial strength rating. Companies with a rating of A or higher are considered to have an excellent ability to pay out customer claims.

2. Check customer satisfaction ratings and reviews

Not every insurer is customer-first. That’s why it’s important to research the customer satisfaction of insurers you’re considering.

You can turn to surveys from companies like J.D. Power to find insurers with the best customer satisfaction scores [0] J.D. Power . Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds . Accessed May 21, 2024. View all sources . Or, if you don’t mind doing a little detective work, you can compare customer complaints against insurers by using the National Association of Insurance Commissioners’ website . But take other people’s emotionally charged comments about companies or agents you might read online with a grain of salt, McNally advises.

3. Look for convenience

A great auto insurer should offer multiple ways to manage a policy. For example, some insurers allow customers to use a mobile app to file and track claims. But it’s hard to tell how simple it’ll be to file a claim or perform other essential tasks, like paying your premium, before becoming a customer.

Some telltale signs that an insurer will be easy to work with are high mobile app ratings, flexible customer service hours and an easy-to-use website with helpful content. Consider asking a company representative to walk you through the claims process to learn what you’ll need to do if you have to file a claim. And pay attention to how the company communicates with you. "If they don't properly communicate, well, that's a warning sign," says Michael DeLong, a research and advocacy associate for the nonprofit Consumer Federation of America.

4. Pick an affordable company

Car insurance premiums are stretching to record-breaking heights [0] U.S. BUREAU OF LABOR STATISTICS . Consumer Price Index for All Urban Consumers (CPI-U) . Accessed May 21, 2024. View all sources , and almost half of U.S. consumers shopped for a new car insurance policy in the past year, according to an April 2024 report by J.D. Power [0] J.D. Power . Half of Auto Insurance Customers Currently Shopping for New Policies, J.D. Power Finds . Accessed May 21, 2024. View all sources . The best car insurance companies offer competitive rates and a variety of potential discounts.

It’s not hard to get car insurance quotes online from many companies. Make sure you compare the same coverage options throughout the quote-gathering process. And don’t forget to look for car insurance discounts, like breaks for being a good driver, paying your premium in full or driving a new car.

More tips to find the best car insurance

When shopping for the best car insurance, keep the following tips in mind.

Assess your needs. Before buying car insurance, take a moment to reflect on what’s important to you and your family. For example, maybe you prioritize affordability and a well-polished mobile app, but don’t need accident forgiveness .  

Consider small insurers. There are lots of small insurance companies you’ve probably never heard of. These regional insurers may provide lower rates and better customer service than the big companies you see advertised on TV.

Work with an independent agent. While it may be easy to get quotes yourself, independent car insurance agents and brokers can streamline the process. These experts vet companies and compile quotes from small and large insurers on your behalf. Independent agents and brokers can especially come in handy if you have a less-than-perfect driving record and can’t find insurance on your own.

Do your research. Search online for recent mentions of a company in the news before buying a policy, recommends DeLong. If you find a company has lots of recent lawsuits against it, you may want to think twice about signing on the dotted line. “And if they've had to pay out settlements, that's an even bigger red flag,” DeLong says.

Shop around once a year. Make a practice of shopping for car insurance every year — especially if price is important to you. Insurers adjust car insurance rates regularly, so what might have been the most affordable option last year may no longer be a bargain.

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Hays Travel offers 0% commission on currency and has hundreds of branches on the high street across the UK.

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Company Name: Hays Travel

Payment Options: Bank Transfer, Debit Card

Address: Gilbridge House, Keel Square, Sunderland, Tyne and Wear SR1 3HA

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What is the Best Thai Baht Exchange Rate Today?

The best place to buy thai baht today is Travel FX.

The worst exchange rate is 41.8633. The difference between the highest and the lowest exchange rate is 7.56. This means that if you are buying £750 worth of thai baht you will get ฿2568.45 more thai baht by buying with the best provider.

This shows you it pays to shop around and get the best thai baht rates!

Thai baht exchange rate over the last week.

This shows you the pound sterling to thai baht exchange rate recorded daily from our UK suppliers over the last week.

In the last 7 days, the exchange rate for thai baht has risen by 0.19%.

If you were to order £1,000 today you would get ฿86.30 more thai baht for your money than last week.

How do we source the data above? We receive rate feeds travel money suppliers and aggreate the data each evening we save the average rate that occured during the day, and also include the current best rate

How to get the best thai baht exchange rate.

We compare pound to thai baht rates from many of the UK’s best companies including exclusively online providers as well as some of the well-known high street banks and supermarket travel money services. Our clever algorithms ensure you find the best place to buy thai baht.

Compare Travel cash is a free compare travel money service that takes the pain and effort out of finding the best exchange rates for buying thai baht online. Don't forget the price we quote is the price you pay, we calculate the amount including any fees and delivery costs!

Buying Thai Baht online FAQs

Hundreds of customers safely buy thai baht through online travel money providers sites every day and have a great experience. However, as with ordering anything online, the process is never completely risk-free and you should always take care when transferring money to any company. Compare Travel Cash undertake comprehensive checks on all of our online travel money providers and monitor them to make sure they meet our high standards and continue to do so. Having said that, no company is guaranteed not to come into trouble and we cannot guarantee the solvency of any of the providers listed on our website. We always recommend that you conduct your own research before placing an order with any company.

It's simple! Choose the travel money provider you would like to buy thai baht from, then:

Not Usually! We constantly update our exchange rates as they change for each supplier, we try to do this in almost real-time, (in normal circumstances not more than 1-minute difference). Also, we sometimes have exclusive offers that you won't find by going direct.

Of course, most companies offer a buyback service for your unused currency! If you want to exchange your leftover thai baht into pounds you can see the best buy back rate on thai baht and many other currencies using our buy back comparison tool . Remember most buybacks are only possible for notes, not thai baht coins.

The baht is the official currency of Thailand. However, bordering countries such as Cambodia and Lao may accept the currency- especially closer to the border.

Each provider will have different rules on the maximum amount of currency you can buy.

Some providers will allow you to order large amounts, but we suggest you check the terms and conditions before you place an order if you are ordering a large amount.

Also, consider that currently you are only allowed to carry 500,000 Thai baht. If you take more than this you have a legal obligation to inform customs. Note, this amount is per person so if you are travelling with more cash than this you can distribute it to your fellow travellers. Therefore, it is important to check all of this before you convert your gbp to Thai baht.

You will only be able to order notes, not coins.

If you require specific denominations consult with the provider first to ensure they offer this service when buying Thai baht. Most will charge for this, but we find most providers supply a mixed selection of denominations. If a supplier does not specifically offer this service, contact them and ask them if they can provide the baht denominations you require, they may do this for free depending on their stock levels!

Currently there are 20, 50, 100, 500 and 1.000 Thai baht banknotes.

Even though these sites don't supply coins, the coins you can get in Thailand are 1, 2, 5, and 10 baht.

The short answer is, that it is very difficult to time your order of bahts correctly to attain the best exchange rate. There are so many factors affecting the baht exchange rate it is impossible to pin down a time when rates are best.

The prudent thing to do is to research to find the best Pounds to Thai baht exchange rate using our comparison engine and obtain the best rate you can on the day you want to buy your currency. If you are short on time and need your currency on a specific date, we suggest buying with time to spare. All providers will use Royal Mail special delivery and in recent times we have seen delays in some cases, so leave as much time as you can to ensure you have your currency comfortably before your departure date.

Buying Thai baht in Thailand is almost always more expensive.

To avoid any surprises and to ensure you have a hassle-free trip we suggest buying baht before you travel.

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