What is the difference between a travel card and a credit card?

Editorial and user-generated content is not provided, reviewed or endorsed by any company. The only difference between a credit card and a travel card is that the latter tends to reward cardholders more for making travel-related purchases than anything else.



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While you'll always need some cash, using a credit card for your spending needs can significantly simplify overseas travel. You won't really have to deal with converting currency and, armed with the right credit card, you won't pay unnecessary foreign transaction fees.

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Not all travel cards come with an annual fee, but those that do typically range from $95 to $695. If you're interested in a travel card that has an annual fee, be sure that the rewards and benefits will offset the cost.

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You can use them like you would any other credit card. Some travel credit cards may only offer rewards for certain types of purchases—like gas, groceries or dining out. There are also travel cards that let you earn miles on every purchase you make.

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Cash and credit cards are the ideal way to pay when you are travelling. Speak with an expert to determine which currency to bring with you. It is not uncommon for travellers to bring US Dollars, as they are widely accepted all over the world.

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You can use your debit or credit card at shops, restaurants and cash machines while you're away. Fees may apply when using your card outside the UK. Switch on notifications in mobile banking so you know when money goes in or out of your account.

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If you are heading abroad for your trip, you will want to avoid foreign transaction fees. Although both credit and debit cards are subject to this 2-4% upcharge, getting a credit card without a foreign transaction fee is a bit easier than finding a debit card with no foreign fees.

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