Maximizing Rewards: Best Travel Credit Cards

Traveling abroad can be one of the most rewarding experiences in life. Exploring new cultures, tasting exotic foods, and meeting new people can create memories that last a lifetime. However, the costs associated with international travel can add up quickly. This is where travel credit cards come into play. They can help you maximize your rewards and make your trips more affordable. In this post, we will explore some of the best travel credit cards for abroad, helping you choose the right one for your next adventure.

Key Features to Look For

When choosing a travel credit card, consider the following features:

• Sign-Up Bonus: Many cards offer generous sign-up bonuses if you meet a spending requirement within the first few months.

• Annual Fee: Some cards come with an annual fee. Make sure the benefits outweigh the cost.

• Redemption Options: Check how you can redeem your points or miles. Flexibility is key. Make sure you know what airlines fly where, so you know exactly how you need to book your trip!

  
  

Top Travel Credit Cards for Abroad

1. Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is a favorite among travelers for good reason. It was the first card that I started off with and the first one that I tell everyone to get. With the low annual fee of $95, you can to learn the points game without a huge upfront cost.

Travel & Dining Rewards

• 5x points on travel booked through Chase Travel℠ (including flights, hotels, rental cars, cruises, and tours)

• 2x points on all other travel purchases worldwide (airfare, hotels, taxis, trains, etc.)

• 3x points on dining, including takeout and eligible delivery services

• 1x point on all other purchases

Annual Bonuses & Credits

• 75,000 bonus points after spending $5,000 in the first 3 months (worth up to $937.50 with Points Boost)

• $50 hotel credit each account anniversary year for hotel bookings through Chase Travel

• 10% anniversary points boost—you earn bonus points equal to 10% of your total purchases from the previous year

Points Boost Redemption

• Redeem points at up to 1.5x value on thousands of top-booked hotels and flights

• Up to 1.75x value on premium cabin airfare with select airlines

Flexible Point Transfers

• Transfer points at a 1:1 ratio to top travel partners like:

  • United MileagePlus

  • Southwest Rapid Rewards

  • World of Hyatt

  • Marriott Bonvoy

  • British Airways Executive Club

Travel Protections

• Trip Cancellation/Interruption Insurance

• Auto Rental Collision Damage Waiver (primary coverage)

• Lost Luggage Reimbursement

• Trip Delay Reimbursement

• Travel Accident Insurance

• No foreign transaction fees

Lifestyle Perks

• Complimentary DashPass (free delivery and reduced service fees on DoorDash orders)

• Monthly $10 promo credit on non-restaurant DashPass orders (through 2027)

This card is ideal for those who frequently dine out or travel and are just starting in the travel points world.

2. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is another excellent option for travelers. This is always the card I tell everyone to get second! It's reward system is easy to use and they tend to have better sign up bonuses more often than Chase.

• Rewards Rate: Earn 2x miles on every purchase, making it easy to rack up rewards.

• Sign-Up Bonus: A generous bonus is available after meeting the initial spending requirement.

• No Foreign Transaction Fees: Enjoy your travels without worrying about extra charges.

• Easy Redemption: Miles can be used to cover travel expenses or transferred to travel partners.

• Annual Fee Waiver for First Year: The first year’s annual fee is waived, allowing you to enjoy the benefits without immediate costs.

• Travel Accident Insurance: Provides coverage in case of unforeseen events during your travels.

• 24/7 Travel Assistance: Access to support for lost luggage, emergency travel arrangements, and more.

• Access to Exclusive Events: Cardholders may receive invitations to exclusive events and experiences.

• Flexible Payment Options: Choose to pay your balance in full or over time with flexible payment options.

This card is great for those who want simplicity in earning rewards.

3. American Express Gold Card

The American Express Gold Card is perfect for foodies and frequent travelers.

• Rewards Rate: Earn 3x points on restaurants, 3x points on flights booked directly with airlines, and 1 point on other purchases.

• Sign-Up Bonus: A significant bonus is available after meeting the spending requirement.

• No Foreign Transaction Fees: Travel without the worry of extra costs.

• Dining Credits: Enjoy dining credits at select restaurants.

This card is ideal for those who love to eat out while traveling.

4. Chase Sapphire Reserve

A year ago I would have told you that I would have never gotten this card. With its high annual fee and very little to offer, I was sure I would never have this card in my wallet. HOWEVER, never say never! Now with an even higher annual fee at $795 I have just gotten approved for this card. Now much thought went into getting this card, at such a high price point but I have made it worth it already.

• Sign-Up Bonus: Currently 100,000 points and $500 travel credit! Unheard of bonus!

Enhanced Travel Rewards

• 8x points on flights, hotels, rental cars, cruises, and activities booked through Chase Travel℠

• 4x points on flights and hotels booked directly with airlines or hotels

• 3x points on dining worldwide

• 1x point on all other purchases

Generous Credits

• $300 annual travel credit for any travel-related purchases

• Up to $500 annually in statement credits for prepaid bookings made with The Edit℠, Chase’s curated hotel collection

• Up to $300 annually for dining at select restaurants through Sapphire Reserve Exclusive Tables

• Up to $120 every 4 years for Global Entry, TSA PreCheck, or NEXUS

Lounge Access

• Complimentary access to 1,300+ Priority Pass™ lounges

• Entry to Chase Sapphire Lounges by The Club (with two guests)

• Access to select Air Canada Maple Leaf Lounges and Cafés in North America and Europe

Elite Hotel Status

• Complimentary IHG One Rewards Platinum Elite status through December 2027

• Potential upgrade to Diamond Elite status after $75,000 annual spend

• Lifestyle Perks

• Statement credits for StubHub, Apple TV+, and Apple Music

• Exclusive access to curated experiences and events

Points Boost Program

• Redeem points for up to 2 cents per point when booking select flights and hotels through Chase Travel

• This replaces the previous 50% boost, with a two-year grace period for existing cardholders

This card is excellent for those that are looking to spend a bit more but reap the perks!

5. Capital One Venture X

Top Benefits at a Glance

• Earn unlimited 2x miles on all purchases, plus 10x on hotels and rental cars, and 5x on flights booked via Capital One Travel.

• Enjoy complimentary airport lounge access, up to $300 annual travel credit, and 10,000 bonus miles every anniversary.

• No foreign transaction fees, Global Entry/TSA PreCheck credit, and robust travel insurance.

• Add authorized users for free and access exclusive experiences.

This card is great for those who want to maximize their travel rewards, with more perks added!

Tips for Maximizing Your Rewards

To get the most out of your travel credit card, consider these tips:

• Use Your Card for Everyday Purchases: The more you use your card, the more rewards you earn. Just make sure to pay off the balance each month to avoid interest charges.

• Take Advantage of Sign-Up Bonuses: Meeting the spending requirement for the sign-up bonus can significantly boost your rewards.

• Know Your Card’s Benefits: Familiarize yourself with the perks your card offers, such as travel insurance or airport lounge access.

• Plan Your Travel Around Rewards: If possible, book flights and hotels that allow you to maximize your rewards.

Common Mistakes to Avoid

While travel credit cards can be beneficial, there are some common mistakes to avoid:

• Not Paying Off Your Balance: Carrying a balance can lead to high-interest charges, negating the benefits of rewards.

• Ignoring Fees: Be aware of annual fees and foreign transaction fees. Make sure the benefits outweigh the costs.

• Not Using Rewards: Some people forget to redeem their rewards. Keep track of your points and use them before they expire.

Final Thoughts

Choosing the right travel credit card can make a significant difference in your travel experience. By understanding the benefits and features of each card, you can maximize your rewards and enjoy your adventures abroad. Whether you prefer earning points for flights, hotel stays, or dining experiences, there is a card that fits your needs.

As you plan your next trip, consider how a travel credit card can enhance your journey. With the right card in hand, you can explore the world while enjoying the rewards that come with it.