Blog: Tips & Info

What to look for in a Travel Credit Card

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What to Look for in a Travel Credit Card (Especially If You’re Headed Abroad)

When choosing a card, prioritize:

  • No foreign transaction fees
  • Rewards for travel + dining
  • Strong travel protections (trip delay, lost luggage, rental car coverage)
  • Airport perks like lounge access or TSA PreCheck credit
  • Acceptance abroad (Visa and Mastercard are safest bets globally)

1. Chase Sapphire Preferred®

Best for: New travelers who want flexible points and solid benefits

  • Annual Fee: $95
  • Foreign Fees: $0
  • Perks:
    • 2x points on travel + dining
    • Primary rental car insurance
    • Trip delay and cancellation coverage
    • Points transfer to top airlines and hotels

Just Go Solo Tip: A great starter travel card if you’re new to points and want flexibility.

2. Chase Sapphire Reserve®

Best for: Frequent flyers who love upgrades and airport lounges

  • Annual Fee: $550
  • Foreign Fees: $0
  • Perks:
    • 3x points on travel + dining
    • $300 annual travel credit
    • Priority Pass lounge access (perfect for long layovers solo)
    • Global Entry/TSA PreCheck credit

Solo Bonus: Having lounge access = peaceful airport escapes when you’re traveling alone.

3. Capital One Venture Rewards Credit Card

Best for: Flat-rate rewards that are easy to redeem

  • Annual Fee: $95
  • Foreign Fees: $0
  • Perks:
    • 2x miles on every purchase
    • Miles can be redeemed to erase travel purchases
    • Global Entry/TSA PreCheck credit

Great for: Simplicity and value without worrying about bonus categories.

4. American Express® Gold Card

Best for: Food-loving travelers and city hoppers

  • Annual Fee: $250
  • Foreign Fees: $0
  • Perks:
    • 4x points at restaurants worldwide
    • 3x on flights booked direct or through Amex Travel
    • Dining and hotel credits

Heads Up: Amex isn’t accepted everywhere overseas—bring a backup Visa or Mastercard just in case.

5. Citi Premier® Card

Best for: Maximizing points on flights, food, and fuel

  • Annual Fee: $95
  • Foreign Fees: $0
  • Perks:
    • 3x points on travel, gas stations, and dining
    • 1:1 point transfers to 15+ airlines
    • No blackout dates when booking through Citi

Smart pick if you’re into booking flights with points.

BONUS: Charles Schwab Debit Card

Best for: Fee-free ATM withdrawals anywhere in the world

  • Annual Fee: $0
  • Foreign Fees: $0
  • Perks:
    • Unlimited ATM fee reimbursements worldwide
    • Great companion to your credit card
    • Zero currency exchange fees

Just Go Solo Tip: Keep this in your travel wallet for local cash needs. You’ll never have to overpay at airport exchange counters again.

“Life is either a daring adventure or nothing at all.”