What is the benefit of using a travel card?

Travel credit cards can offer more lucrative reward points when making travel and dining purchases. The extra reward points you earn from either a general, hotel or airline credit card can accumulate quickly and can be used toward plane tickets, hotel rooms and more.



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To avoid credit card fees when traveling internationally, use a card with no foreign transaction fees — you'll save at least 3% in fees by taking this step. All of our best cards for international travel listed above don't charge a foreign transaction fee.

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Unlike a debit or credit card, however, you can lock in an exchange rate at the time of depositing the funds and load multiple foreign currencies in your account – which may be helpful for multi-country trips.

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Further, prepaid travel cards may also charge a card purchase fee, ATM withdrawal fee, higher foreign ATM withdrawal fee, inactivity fee and a fee to get any remaining balance back by check.

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Exchange cash before leaving the United States You can avoid all transaction fees by paying for your purchases in cash while you're abroad. Banks and currency exchange stores will exchange U.S. dollars for most major currencies, and you can do this before you leave.

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Depending on where you travel to, not all destinations or vendors will accept a travel card as a form of payment. Because of this, it may be a good idea to take some cash with you on holiday to avoid tricky situations where your card may not be accepted. Fees: There may be fees associated with certain travel cards1.

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