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Credit cards for travel

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Credit card with travel perks and waive fees can save you money on your next vacation.

Whether you’re a regular traveler or planning a rare getaway, you need to find the right credit card for hotel, flight purchases and everything else. But you’re in danger of spending too much of your budget on currency conversion and foreign transaction fees.

This guide compares credit cards that are the best for travel and why you should find the right one for your next vacation.

Compare travel credit cards

Name Product Welcome Offer Rewards Annual Fee
50,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
30,000 miles after spending $1,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 points after spending $1,000 in the first 3 months
7x points on direct purchases within the Hilton Honors portfolio. 5x points at US restaurants, US supermarkets and US gas stations. 3x points on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
70,000 miles after spending $5,000 in the first 90 days
2x miles on all purchases
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
60,000 points after spending $5,000 in your first 3 months
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
125,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x points at US restaurants, US supermarkets and US gas stations and 3x points on all other purchases
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
Earn 3x points on travel — or 4x points if you’re a PenFed Honors Advantage member — and 1.5x points on all other purchases
$0
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
20,000 bonus LifeMiles after first card use
2x miles on Avianca purchases, 1x miles on all other purchases. Plus a 15% discount on purchases of miles with Multiply Your Miles
$59
20,000 bonus LifeMiles after first card use
40,000 bonus LifeMiles after first card use
3x miles on Avianca purchases, 2x miles at gas stations and grocery stores and 1x miles on all other purchases. Plus 15% discount on purchases of miles with Multiply Your Miles
$149
40,000 bonus LifeMiles after first card use
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 1x points when redeemed for airfare through the Luxury rewards program.

Compare up to 4 providers

Compare different types of travel credit cards


Credit cards for travel

How a credit card are useful for travel

  • Live exchange rates. You could benefit from fluctuating exchange rates that change daily when USD depreciates against the currency of your destination.
  • Travel now, pay later. Some credit cards can provide up to 55 days interest-free on purchases and 0% introductory APRs when you open a new card. So you can spend, but save on interest and fees.
  • Rewards. Earn points for flights and cash back with rewards programs.

Things to note when using credit cards for travel.

  • Avoid cash advances. Using your credit card to get cash from an ATM can cost your high fees and interest rates. There is usually no interest-free days on cash advances.

No Currency Conversion Fee Credit Cards

One of the biggest fees you’ll pay when you travel are foreign exchange fees. These are fees that your credit card charges for each purchase you make while you’re out of the country — usually 3% of your purchase. This can really add up, especially if you plan on using your card a lot on your trip. There are lots of cards out there that waive that fee.

Name Product Currency Conversion Fee Annual Fee APR (Annual Percentage Rate) for Purchases
None
$0 annual fee for the first year ($95 thereafter)
18.24% to 25.24% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
None
$450
19.24% to 26.24% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
None
$0 annual fee for the first year ($95 thereafter)
17.99% to 26.99% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
None
$250
See Rates & Fees
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
None
$0
17.99% to 26.99% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
None
$550
None (Charge Card)
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
None
$0
15.24%, 19.24% or 25.24% variable
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
None
$0
13.24%, 17.24% or 21.24% variable
An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
None
$0
12.99% to 17.99% variable
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
None
$0 annual fee for the first year ($89 thereafter)
18.24%, 22.24% or 25.24% variable
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
None
$95
17.99% to 26.99% variable
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
None
$0
14.24% variable
A low, variable APR on purchases, balance transfers and cash advances.
None
$149
15.99% to 25.99% variable
40,000 bonus LifeMiles after first card use
None
$195
17.24% variable
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
None
$495
17.24% variable
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
None
$995
17.24% variable
Earn 1x points when redeemed for airfare through the Luxury rewards program.
None
$0
16.99% to 24.99% variable
Earn 25,000 online bonus points after spending $1,000 within the first 90 days from account opening.

Compare up to 4 providers

Credit cards with travel benefits

Cards with travel rewards are designed with the traveler in mind can make you feel better about using your credit card for big purchases on your trip. There are many cards that offer 2x or 3x points on hotels, flights and other adventures on your trip. Use your points for cash back, your next flight or hotel stay and so much more.

High-end cards can get you access to exclusive airport lounges and hotel and flight upgrades. These cards often have high annual fees, so be sure you can make it worth it.

You’ll also find cards with travel insurance, covering you for missed flights, accidents or illnesses while you’re away. But credit cards are the best option for travel insurance. Find out more about the benefits of travel insurance with our guide.

Name Product Welcome Offer Rewards Annual Fee
50,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
30,000 miles after spending $1,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 points after spending $1,000 in the first 3 months
7x points on direct purchases within the Hilton Honors portfolio. 5x points at US restaurants, US supermarkets and US gas stations. 3x points on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
70,000 miles after spending $5,000 in the first 90 days
2x miles on all purchases
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
60,000 points after spending $5,000 in your first 3 months
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
125,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x points at US restaurants, US supermarkets and US gas stations and 3x points on all other purchases
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
Earn 3x points on travel — or 4x points if you’re a PenFed Honors Advantage member — and 1.5x points on all other purchases
$0
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
20,000 bonus LifeMiles after first card use
2x miles on Avianca purchases, 1x miles on all other purchases. Plus a 15% discount on purchases of miles with Multiply Your Miles
$59
20,000 bonus LifeMiles after first card use
40,000 bonus LifeMiles after first card use
3x miles on Avianca purchases, 2x miles at gas stations and grocery stores and 1x miles on all other purchases. Plus 15% discount on purchases of miles with Multiply Your Miles
$149
40,000 bonus LifeMiles after first card use
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 1x points when redeemed for airfare through the Luxury rewards program.

Compare up to 4 providers

Intro APR

Credit cards that offer an interest free introductory period are great to get right before your trip. It makes the idea of “buy now, pay later” really work for you. Often credit cards offer a year or more of 0% APR, giving you the chance to pay down your balances after a big trip. But be careful — once your period is up, you’ll pay the high APR on your remaining balance.

Name Product Introductory Purchase APR Intro APR for Balance Transfer APR (Annual Percentage Rate) for Purchases
0% for the first 15 months (then 17.24% to 25.99% variable)
0% for the first 15 months (then 17.24% to 25.99% variable)
17.24% to 25.99% variable
0% intro APR for 15 months from account opening on purchases and balance transfers.
0% for the first 15 months (then 17.24% to 25.99% variable)
0% for the first 15 months (then 17.24% to 25.99% variable)
17.24% to 25.99% variable
0% intro APR for 15 months from account opening on purchases and balance transfers.
0% for the first 15 months (then 15.24% to 26.24% variable)
0% for the first 15 months (then 15.24% to 26.24% variable)
15.24% to 26.24% variable
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
0% for the first 15 months (then 15.24% to 26.24% variable)
0% for the first 15 months (then 15.24% to 26.24% variable)
15.24% to 26.24% variable
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
0% for the first 12 months (then 15.24% to 26.24% variable)
0% for the first 12 months (then 15.24% to 26.24% variable)
15.24% to 26.24% variable
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees

N/A

0% for the first 15 billing cycles (then 14.24% variable)
14.24% variable
A low, variable APR on purchases, balance transfers and cash advances.
0% for the first 18 months (then 13.24%, 17.24% or 21.24% variable)
0% for the first 18 months (then 13.24%, 17.24% or 21.24% variable)
13.24%, 17.24% or 21.24% variable
An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees

N/A

0% for the first 15 months (then 15.24%, 19.24% or 25.24% variable)
15.24%, 19.24% or 25.24% variable
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
0% for the first 12 months (then 15.15% to 25.15% variable)
0% for the first 12 months (then 15.15% to 25.15% variable)
15.15% to 25.15% variable
Earn $150 in statement credit after you spend $1,200 on purchases within the first 90 days from account opening.

N/A

0% for the first 12 months (then 12.99% to 17.99% variable)
12.99% to 17.99% variable
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.

N/A

0% for the first 12 months (then 11.99% to 17.99% variable)
11.99% to 17.99% variable
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.

N/A

0% for the first 12 months (then 11.99% to 17.99% variable)
11.99% to 17.99% variable
Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.

N/A

0% for the first 12 months (then 9.24% to 17.99% variable)
9.24% to 17.99% variable
Low APR on all purchases including cash advances.

Compare up to 4 providers

No annual fee credit cards

These no-frills cards don’t cost anything to have. If you only use your card for emergencies and small purchases no annual fee cards are a great pick. These card often offer no-interest days when you open an account, and you can find cards with low APRs. You won’t find travel benefits — like no foreign transaction fees — or rewards that other cards offer.

Name Product Annual Fee Intro APR for Balance Transfer Introductory Purchase APR
$0
0% for the first 15 months (then 17.24% to 25.99% variable)
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
0% for the first 15 months (then 17.24% to 25.99% variable)
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
0% for the first 15 months (then 15.24% to 26.24% variable)
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$0
0% for the first 15 months (then 15.24% to 26.24% variable)
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
0% for the first 15 billing cycles (then 14.24% variable)

N/A

A low, variable APR on purchases, balance transfers and cash advances.
$0
0% for the first 15 months (then 15.24%, 19.24% or 25.24% variable)

N/A

Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0

N/A

N/A

Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
$0

N/A

N/A

Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
$0

N/A

N/A

Build your credit with no fees: Apply if you're new to credit or have a fair to good score over 620.
$0
0% for the first 12 months (then 15.15% to 25.15% variable)
0% for the first 12 months (then 15.15% to 25.15% variable)
Earn $150 in statement credit after you spend $1,200 on purchases within the first 90 days from account opening.
$0
1.99% for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
1.99% for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
$0
4.99% for the first 12 months (then 11.99% to 17.99% variable)

N/A

Earn a $100 bonus after spending $1,500 on purchases in the first 90 days from account opening.
$0
0% for the first 12 months (then 12.99% to 17.99% variable)

N/A

Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
$0
0% for the first 12 months (then 11.99% to 17.99% variable)

N/A

2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.
$0
0% for the first 12 months (then 9.24% to 17.99% variable)

N/A

Low APR on all purchases including cash advances.
$0
0% for the first 12 months (then 11.99% to 17.99% variable)

N/A

Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.

Compare up to 4 providers

Gold and platinum credit cards

Find you use your credit card for most purchases? Gold and platinum credit cards offer greater perks like higher credit limits, rewards and complimentary insurance. If finding exclusive airport lounges and hotel upgrades are important to you, the high annual fees could be worth it. Annual fees for these cards range from $150 to $500 a year, and often you need a stellar credit score to qualify.

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$550
None (Charge Card)

N/A

Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
$250
See Rates & Fees

N/A

35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
$995
17.24% variable
0% for the first 15 billing cycles (then 17.24% variable)
Earn 1x points when redeemed for airfare through the Luxury rewards program.
$0 annual fee for the first year ($95 thereafter)
17.99% to 26.99% variable

N/A

30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$75 annual fee for the first year ($99 thereafter)
23.9% variable

N/A

All the benefits of Mastercard Gold for those with less than perfect credit.
$48
9.99% fixed

N/A

This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
$49
9.99% fixed

N/A

Low fixed interest rates with no penalty rate.
$49
9.99% fixed

N/A

Fast, easy application process with no processing or application fees.
$0
26.99% variable

N/A

A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
$595
None (Charge Card)

N/A

Earn 50,000 points after spending $10,000 in the first 3 months. Plus earn 25,000 bonus points after spending an additional $10,000 in the same timeframe.
$0 annual fee for the first year ($99 thereafter)
18.24% to 26.24% variable

N/A

Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.
$0 annual fee for the first year ($99 thereafter)
17.99% to 25.99% variable

N/A

70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening

Compare up to 4 providers

Bottom line

Choosing a credit card your your vacation depends much on your spending habits and how much you plan to use your cards. You’ll find the most savings with cards that waive foreign transaction fees. Always compare credit cards to find the best deal before opening a credit card.

Frequently asked questions about travel credit cards

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Leah Fallon

Leah Fallon is a writer and editor for finder.com. She's here to fix annoying apostrophes, elusive infinitives and the muddled em and en dash. When she's not helping people with their finances, you can find her wrangling her two sprightly girls in Leesburg, Virginia.

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