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The best free credit and debit cards for travelling - UK, USA, CAN, AUS

You need good credit or/and debit cards for travelling? Plus you want to save money? We have carefully examined the best and most useful credit and debit cards for travellers. Take some time to read the following advice. It’s definitely worth it! Unless you don’t care paying unnecessarily much for transactions, withdraws and fees. Especially for backpacking, world trips, work and travel, adventure trips, trekking, longer journeys or for other people who prefer to save money.


  • Save more than €/$ 500,- …
    … with the right cards during a one-year world trip.
  • Get addionally rewards up to $/€ 625 …
    … for just using the right cards.

Be smart!
Save time and money!

Better spend your money on more meaningful things!

  • Compared to usual standard credit and debit cards it is possible to save up to €/$ 500 during a one-year world trip if you have the right credit card/s with you.
  • With the right choice you can save a lot of pains and complications!
  • You can save lots of unnecessary expenses with flight and hotel bookings with the optimal credit cards.
  • You will be able to book in advance in many instances which is often not possible without credit card!
  • Many credit cards cost money annually or monthly unnecessarily. They charge you high fees. Avoid that!

We recommend taking one debit card and at least one credit card with you on your journey! On journeys lasting more than three weeks and outside of your country we even advice to take two credit cards with you. (See point “When do I need a second credit card?”)

Have fun and good luck with choosing!

The right credit cards will lighten your travels
and you will definitely save time and money!

Credit cards simplify your stay abroad. Especially backpackers and long-term travellers have to pay attention on their budget. You can really save some serious money and acquire some additionally safety with the right choice of credit card.

Pros

  • You are able to withdraw money at (almost) every ATM worldwide.
  • In case your debit card craps out your credit card will help you out and vice versa. Safety and comfort!
  • Booking flights and hotels is much more uncomplicated with a credit card and often even considerably cheaper (sometimes you can save more than 5 %; considering a ticket price of € 500 means you can easily save more than € 25).
  • Reservations (online) are often “hedged” by credit cards. Among others that applies to rental cars, hotels, action adventures, train and bus rides.
  • Foreign exchange fees are often higher without credit card.

Tip 1: Europe: Have a look on your debit card and check whether you find the Maestro- or the Cirrus-symbol. If you find one of them you’re fine and you can easily use it abroad. Some other symbols can make your debit card totally useless in foreign countries (e.g.: V-Pay)!

Tip 2: Visa or Mastercard! Trust us. With all the other providers, it happens way to often that you are not able to pay or withdraw money. What’s the point in having a credit card which you cannot use half of the time because it is not accepted in hotels and restaurants?

If you are travelling longer than three weeks,
we recommend to take at least a second credit card.

What can happen?

  • Your credit card could get lost.
  • An ATM decides to keep you credit card.
  • It could be stolen.
  • You could forget it in an ATM.
  • It could get blocked for certain reasons.
  • Your credit card could get broken.
  • But most importantly: You’ll be able to use the right credit card for the right things and be able to save some money! Every credit card has its strengths and weaknesses. One might be cheaper when withdrawing money, by using another you are not going to pay for Fremdbehebungen. Be smart!

If only one of the above-mentioned situations occurs, you’ll be without any credit card. Without one getting on will turn out to be very complicated. Utilize the Pros of a second credit card. It’s free if you are smart!

It’s for free!

Experience shows that it is advisable to have a Visa and a Mastercard. Especially when it comes to flight and hotel bookings, you’ll save a lot of money. With some providers you’ll have a price advantage with Visa, but only with Mastercard with others.

When travelling long-term (more than 3-4 months) it is usual and makes perfect sense to carry even a third credit card with you. It will give you even more safety and might save you some Euros, additionally. Just ask yourself: Why not? Exactly. There is no real reason. There are no additional costs when picking the right credit cards.

Tip 3: No matter how many credit cards you carry with you, make sure you always have at least €/$ 100 and a few Euros in local currency with you. Oftentimes the motto is: Cash is king!

Tip 4: If you carry two or more credit cards with you it makes sense to keep them smartly separated. You might want to carry one on you and leave one in you backpack. When you have a room it makes sense to leave one credit card there. When not travelling alone, give your second credit card to a person you trust. If you lose one credit card, you’ll have good chances to still get some money with your second one.

No American Express or Diners Club!

  • Principally, we advise against all credit cards issued by the providers American Express and Diners Club. There is way too little acceptance and, at the same time, they are way too expensive. All you are doing is purchasing irrelevant prestige.
  • We also discourage you to choose cards in the upper premium segment (Gold, Black, Platinum, etc.). Insurance benefits might look appealing, but the annual fee is accordingly higher. We do have some gold or platinum recommendations, but they are for free!

Tip 5: If you have one of these credit cards, you might want to take them with you as your compensatory card. However, we advise to leave it at home or even to return it and take another card which is more suitable for your journey.

  1. Annual fee

    Many providers charge annual fees (in some cases totally overpriced). Our recommendations are optimally qualified for your journey!

  2. Withdrawal fee

    Beware of that fee: Many banks charge you money when withdrawing in a foreign country. That might be a fixed amount or a certain percentage. 1-2 % of the withdrawn amount or about €/$ 5 fix is relatively widely spread and can cost a pretty penny when travelling longer. With our recommendations you’ll pay comparatively little or even nothing.

  3. Fees for an additional account

    If you want to have a credit card, you often have to open an additional account for deposit or billing at a bank. Usually, there are fees charged for this cheque account. Our recommendations partly require the opening of a cheque account but you’ll always pay €/$0 for the account.

  4. Fees by foreign banks

    It’s not your credit card providers fault that a foreign bank charges you a fee for withdrawing money. That often is very expensive. In Thailand or Indonesia every withdrawal is charged more than €/$ 5 by the local banks. When travelling long-term this fee will start to hurt. This fee has to be paid! Presently, there are provider who refund these fees!

  5. Fees for foreign payments

    When paying by credit card in a hotel or restaurant abroad, pretty much every provider wants some money for that. Between 1,5 and 2 % of the payment are normal. You can unnecessarily lose a lot of money there. Comparatively, our recommendations are considerably cheaper. Our other recommendations are comparatively very keen.

  6. Interest rates

    If you are able to pay off your charges in full each month, the interest rates are not really a concern. If could have money problems you should take a closer look on these rates called APR.

  7. Reliable providers resp. issuers of credit cards

    Meanwhile, there are countless providers of credit cards. Make sure that you pick a provider as reliable as possible. You are dealing with sensitive data and your credit card must always deliver what it promises. This is really crucial! We ensured to have only chosen reliable providers into our final selection.

Tip 6: If you don’t want to unnecessarily waste your money, we recommend a credit card that is very keen or even free. Why would you pay more than absolutely necessary for the same service?

Tip 7: If you are not able to withdraw cash with your credit card in a foreign country, that does not necessarily mean that you have reached your limit. Try at least two more ATMs. It is possible that the ATM does not accept your credit card or even ran out of cash. Especially in developing countries this can happen quite regularly. Stay calm!

Tip 8: If you have lost your credit card or it has been stolen, you have to get in touch with your bank or credit card provider as soon as possible to disable your card. Therefore, we advise you to have a phone number for emergencies ready, and carry a second credit card with you on longer trips.

Tip 9: If you are not able to get any money, because you don’t have any cash, credit card or debit card any anymore, you can contact your relatives or friends and do it by Western Union. If this isn’t possible either, you can ask other backpackers to lend you some money. Oftentimes, they can relate because they know that situation.

Tip 10: Inform your credit card provider about your upcoming journey to avoid your provider blocking your credit card for safety reasons.

Tip 11: As a general rule: Pay as much as possible directly by credit card and avoid withdrawals at the ATM (except it is truly for free). This rule saves you some serious money.

Do’s:

  • Carry 100 $ and about €/$ 20-30 in local currency with you
  • Pay by credit card as often as possible
  • Inform your credit card provider about your journey
  • Take emergency number of your provider with you
  • Two credit cards make perfect sense and are advantageous, if they are for free (e.g. our recommendations)
  • Photograph/copy your credit card and store them on your email account
  • Visa or Mastercard; better Visa and Mastercard
  • Your credit card should be feeless (e.g. our recommendations)
  • If you have 2 or more credit cards, leave 1 in your room
  • Make sure you have online banking with your credit card and you know it
  • Use reliable providers; spare yourself complications
  • Know the costs and deploy your credit card appropriately
  • Check the card input at the ATM whether you can see any dubious devices and report if you do (fraud)

Don’ts

  • Go without a money belt. Probability of theft is very high there.
  • Withdraw as little cash as possible at the ATM, except is for free truly (some of our recommendations, e.g. Santander1 + Visa)
  • Don’t use cheques.
  • Never leave your credit cards lying about


The best credit and debit cards for your country – with tips and tricks

  1. Click on your country.
  2. Read the information. The tips should help you too.
  3. Choose your favourite card/s.
  4. Apply in an easy and uncomplicated way!

Be smart.
Spend your money wisely!


United Kingdom: Best credit, debit and currency cards

The following tipps, tricks and informations could be interesting for you. Especially as a citizens of the UK these things are important. They extend the information of “What is absolutely vital when picking a credit card before travelling?” So read them shortly!

  • TravelMoneyMax
    We recommend you the comparison tool of TravelMoneyMax.com. They compare currency rates at about 30 online bureaux. This tool calculates you how much you get after all fees and charges.
  • Airport charges
    Do not exchange your money at the airport! Just don’t do this!
  • Pay with other currencies
    If somebody asks you which currency you would like to pay in, remember: Never pay in pounds. Avoid a double charge.
  • Card charges
    Be aware of the charges and fees of your cards and compare them with our recommendations! You can probably save a lot of money.

  • Section 75
    This law was made in the UK in the beginning of the 1970s. It says that the credit provider must take the same risk and responsibility a retailer has if something goes wrong. If you pay for something that costs between £100 and £30,000 on credit your provider is liable if something goes wrong. This law is a legal right and no bonus. Claim it if something goes wrong! This might help you a lot.
  • Travel cash
    Do not buy travel cash with your credit card. Buying cash will be seen as a withdrawal. To buy cash abroad always use your debit card.
  • APR
    Annual percentage rate. That is the rate you would have to pay by owing your provider a certain amount for one year. Pay on time and this rate isn’t risky at all.

#1 Recommendation: Creation Everyday Credit Card



We are convinced that this credit card is the best choice you can make. At the moment this is the best travel credit card! One of the lowest interest rates on cash withdrawals. There are no fees on spending or withdrawing cash abroad.

Best travel credit card you can get!

It is well known and accepted around the world because it is a MasterCard. If you are taking out £100 you will be charged with interests of roughly £1 per month, which is very little. But you can still reduce this cost by paying back the amount as soon as possible. You will not be charged any interest when you have paid back the full amount. Just pay as fast as you can and you will definitely save a lot of money while travelling!

Apply Now

Pros

  • There is no annual fee.
  • No fee to use it anywhere worldwide! Exchange rate fee of 0 % worldwide.
  • No fee to transfer a balance.
  • No cash withdrawal fees.
  • Well accepted overseas.
  • The Creation Everyday Credit Card as well as the Halifax Clarity Card are the best travel credit cards you can get as a UK citizen.

Cons

  • A minimum APR of 18.9 % will be charged. This is actually no fee but an interest rate. Just pay it as fast as you can and it’s cool.

More Information

 

#2 Recommendation: Halifax Clarity Mastercard



For travelers this credit card from Halifax really is a top pick. It is quite similar to the Creation Everyday Credit Card. Great feedback from card holders, very low rates and it is a MasterCard, which is well accepted overseas.

Top pick!

Furthermore there are no fees for spending or withdrawing cash abroad at all. This is cool! When taking out £100 you will be charged with roughly £1,50 per month, which is rather little. But you can still reduce this cost by paying the amount as soon as possible. You will not be charged any interest when you have paid back the full amount. Just pay as fast as you can and it might become the perfect travel credit card for you!

Apply Now

Pros

  • Great feedback from customers!
  • No fees for spending or withdrawing cash abroad at all.
  • No annual fee.
  • Well accepted overseas.
  • Exchange rate fee of 0 % worldwide.
  • The Creation Everyday Credit Card as well as the Halifax Clarity Card are the best travel credit cards you can get as a UK citizen.

Cons

  • APR could be better. Just pay as fast as you can and it’s cool.

More Information

 

#3 Recommendation: Barclaycard Platinum Travel Credit Card



The Platinum Travel Card from Barclays charges no fees on spending or cash withdrawals overseas. You also don’t have to pay an annual fee and the exchange rate fee is 0 % worldwide. Furthermore it is a Visa, which well accepted.

No APR when you pay on time!

On one hand, the interest rate is rather high but on the other hand, if you pay off your balance fully each month you won’t pay any interest. Most of these offers are only available until 31 August 2018. So if these conditions fit your plans, this is a great credit card as well. If you are thinking about taking two credit cards with you, take this Barclay card because it’s a Visa Card.

Apply Now

Pros

  • Well accepted.
  • No fees on spending or cash withdrawals.
  • No annual fee.
  • Exchange rate fee of 0 % worldwide.

Cons

  • APR could be better. Just pay as fast as you can and it’s cool.

More Information

 

#4 Recommendation: Aqua Reward Mastercard



This card is for those with a lower credit score. The Aqua Reward MasterCard is easier to obtain, but still offers unbeatable rates worldwide. No exchange rate fee worldwide (0 %!) and a cash back of 0.5 % on every spending you make.

Easy to get!

The withdrawal fee is relatively low compared to other credit cards of the same class. The APR with 34.9 % is not very low but that’s because this credit card is also for clients with a lower credit score. So if you are looking for a travel credit card you can get with a lower score: Aqua Reward MasterCard.

Apply Now

Pros

  • Easy to obtain!– Also for people with a lower credit score.
  • No fees to transfer a balance.
  • No annual fee.
  • Cash back of 0.5 % on every spending worldwide

Cons

  • A minimum APR of 34.9 % will be charged but you can get this credit card with a low credit score too. Just pay as fast as you can and it’s cool.
  • Cash withdrawal fee of 3 % (min. £3)

More Information

 

#1 Recommendation: Norwich & Peterborough Gold Classic



At the moment this is the best travel debit card! There are transaction fees worldwide nor any withdrawal fees. In other words: It’s a fee-free card!

Fee-free debit card!

The only crux is that it costs £5 per month unless you can deposit £500 each month or keep a balance of £5,000. While travelling you usually need more than £500 per month. So if you can come up with one of these requirements this card should be yours!

Apply Now

Pros

  • There is no annual fee.
  • Fee-free debit card!
  • Exchange rate fee of 0 % worldwide.
  • No cash withdrawal fees.
  • Widely accepted overseas.
  • The best debit card you can get at the moment!

Cons

  • If you cannot deposit £500 per month or keep a balance of £5,000 you have to pay a fee of £5 per month.

More Information

 

#2 Recommendation: Metro Bank Mastercard



This debit card is also a top pick. It is also a fee-free card as long as you travel in Europe. Outside of Europe they charge £1.50 which is very little compared to other debit cards. There are no transaction fees in Europe, and outside of Europe, the transaction fee is 2.5 %.

Fee-free within Europe!

You need to pass a credit check to open your account. Last but not least they guarantee safety of the full £75,000 of your savings. In total this is a good debit card.

Apply Now

Pros

  • There is no annual fee.
  • Fee-free debit card within Europe!
  • No cash withdrawal fees within Europe.
  • Well accepted overseas.
  • They guarantee the full £ 75,000 savings safety.

Cons

  • If you cannot deposit £500 per month or keep a balance of £5,000 you have to pay a fee of £5 per month.
  • Exchange rate fee of 2.5 % and a cash withdrawal fee of £1.50 outside of Europe

More Information

 

#3 Recommendation: Virgin Money Essential



This debit card does not charge any fees to spend money worldwide. So the exchange rate fee is 0 % worldwide! It charges a fee for cash withdrawals (£1.50 each). That is a very interesting offer compared to other debit cards.

No exchange rate fee worldwide!

Virgin Money also guarantees the full £75,000 savings safety. Furthermore everyone can obtain this card because it is an ordinary bank account. Overall, we can recommend this debit card!

Apply Now

Pros

  • There is no annual fee.
  • No exchange rate fee worldwide!
  • No fees on spending.
  • Everyone can obtain this card.
  • Well accepted overseas.
  • They guarantee the full £ 75,000 savings safety.

Cons

  • £1.50 for every withdrawal, which is very little in comparison.

More Information

 

We generally recommend you to have at least one credit or debit card while traveling. It is even better to have one of each if you travel for more than three weeks. But if you decide not to have any of them, a prepaid currency card may be a wise choice. With such a card you just top up your money and then you can use it abroad. If you choose a good prepaid card, the fees can be pretty low. Our suggested cards are the cheapest and best you can get at the moment.

#1 Recommendation: WeSwap



This prepaid currency card offers the 18 most important currencies and works with a smartphone app. There are no application fees nor any monthly fees.

Get an additional £10 using our link!

When you withdraw more than €/$200 in cash, you will pay no fees. Below this amount, they charge €1.75/$2.25 for each withdrawal. So if you are going to travel for a longer period and withdraw more than €/$200 this prepaid card is a top pick!

Apply Now

Pros

  • There is no monthly fee or application fee.
  • You get an additional £10 if you use our link!
  • No exchange rate fee when you wait 7 days!
  • No cash withdrawal fees for amounts over €/$ 200.
  • Widely accepted overseas.
  • The best prepaid currency card you can get at the moment!

Cons

  • If you cannot wait 7 days they charge 1 % to exchange money.
  • If the card has been inactive for 12 months they charge you £2 monthly. (You can always cancel your card without any problems.)

More Information

 

#2 Recommendation: Revolut



The Revolut Currency Card enables you to pay in more than 80 currencies. You can manage your account with an app and it shows you perfect interbank rates. There are no fees to pay with your card, nor ATM fees on withdrawals up to £500.

No fees for withdrawing or paying with your card!

When you withdraw cash above £500 a month, they charge 2 % for the amount exceeding £500. So if you don’t need more money per month this is a very cheap and good prepaid currency card!

Apply Now

Pros

  • There is no monthly fee or application fee.
  • No fees for withdrawing or paying with your card
  • Exchange rates with interbank rates.
  • No cash withdrawal fees under £500 per month
  • Well accepted overseas.

Cons

  • They charge 2 % of the amount exceeding £ 500.- per month.
  • If the card has been inactive for 12 months you have to pay £2 per month. (You can always cancel your card without a problem.)
  • Not perfect interbank rates for Thai baht, Russian roubles and Ukrainian Hryvnia. But the rates are still very good.

More Information

 
 

 

USA: Best travel credit and debit cards

Here you will find the best travel credit and debit cards for citizens of the United States. Check out our carefully examinded recommendations, apply without complications and start saving money.


It can really be that simple…


The following advice, tips and tricks may be interesting to you. Especially as a citizen of the US, these points are important. They extend the information of „What is absolutely vital when picking a credit card before travelling?” So take a quick look!

  • Use plastic whenever possible
    Often credit cards offer a lot of rewards such as miles and other bonuses. Furthermore they often have 0 % financing deals as well as the best currency exchange rates. We recommend you to use plastic rather than cash while travelling abroad.
  • Choose your credit card wisely
    Please take your time to choose your credit card. You can really save a lot of money and even earn bonuses. There are definitely some top credit cards from top card issuers. Take a look at our recommendations. We have picked just the best choices for you.
  • Credit cards for exchanging currency
    Statistics show that you can save between 5-10 % by exchanging currency with your credit card. Like this, you get better rates than with an average major bank or Travelex charges. We suggest you to do so.

  • No foreign-transaction fees!
    More than 80 % of all credit cards charge a premium to process transactions outside of the United States. This premium is usually between 2-5 % which is horribly much! Avoid this fee. If your credit card charges a fee take a closer look at our recommendations.
  • Don’t forget the debit card
    If you plan to go for more than 3 weeks you should take a debit card with you as well. A debit card reduces the costs at ATMs and exchange rate charges. Our recommendations are the cheapest.
  • Pay with other currencies
    If somebody asks you which currency you would like to pay in, remember: Never pay in your home currency (Dollar). Avoid a double charge.
  • Travel cash
    Do not buy travel cash with your credit card. Buying cash counts as a withdrawal. For buying cash abroad always use your debit card.

#1 Recommendation: Chase Sapphire Preferred Card



This is the best credit card you can get while travelling. No annual fee in the first year and no foreign transaction fees. Furthermore their reward program is just awesome! If you use it sensibly you won’t pay for this card. Instead, you will make money by using it!

Stunning reward program!

You receive 1 bonus point for every $1 you spend. While travelling you get 2 points for every $1. And the best thing is: If you spend $4,000 (special reward of 50,000 points) in the first three months you can choose between an initial reward of $625 and a $500 cash back. Just pay for your flights, hotels and restaurant bills with this card within three months to receive this reward. Just great!

Apply Now

Pros

  • No annual fee in the first year.
  • No foreign transaction fees.
  • 2 points for every $1 when travelling. 1 point for every $1 on everything else.
  • Special reward up to $625 in the first three months.
  • Well accepted overseas.
  • The best travel credit card!

Cons

  • Only the first year is for free. Afterwards it costs $95 per year. Still cheap! You can easily cancel your card before paying.

More Information

 

#2 Recommendation: Barclaycard Arrival Plus Card



This credit card is pretty similar to the Chase Sapphire Card. There is also no annual fee in the first year and no foreign transaction fees. They also offer a remarkable reward program. So if you use it cleverly you won’t pay for this card either. Instead, you will make money by using it!

Remarkable rewards!

You receive 2 % cash back, which is even more than with the Chase Card. Just spend $4,000 within the first three months and you will receive an initial reward of $400. The only crunch with this card is, that you have to spend the reward on things related to travelling. But this shouldn’t be a big deal if you love to travel. Well done Barclays!

Apply Now

Pros

  • No annual fee in the first year.
  • No foreign transaction fees.
  • You get 2 % cash back.
  • Special reward up to $400 in the first three months.
  • Well accepted overseas.

Cons

  • Only the first year is for free. Afterwards it costs $89 per year. Still cheap! You can easily cancel your credit card before paying.
  • You have to spend your reward on travel-related things.

More Information

 

#3 Recommendation: Capital One Venture Rewards Card



The Capital One Venture is similar to previous credit cards. There is no annual fee in the first year either, nor any foreign transaction fees. Capital One also offers a remarkable reward program. So if you use it cleverly you won’t pay for this card either. You will make money by using it!

2 % cash back bonus!

You receive 2 % cash back on every Dollar, which is good. Just spend $4,000 within the first three months and you will receive an initial reward of $400. The only crunch with this card is, that you also have to spend the reward on travel-related things. But this shouldn’t be a big deal if you love to travel. Good credit card!

Apply Now

Pros

  • No annual fee in the first year.
  • No foreign transaction fees.
  • Earn 2 % for every 1$ you spend.
  • Receive a bonus of up to $400 within the first three months.
  • Well accepted overseas.

Cons

  • Only the first year is for free. Afterwards it costs $59 per year. Still cheap! You can easily cancel your account before paying.
  • You lose your monthly rewards by not paying on time.

More Information

 

#4 Recommendation: Discover it Miles



This is definitely the best travel credit card without an annual fee. There are also no foreign transaction fees. This card is pretty easy to obtain if you’re having difficulties getting one.

Double cash back in the first year!

You receive 1.5 miles on every Dollar you spend to a maximum of 100,000 miles. In the first year you get 3 miles per Dollar spent. This is spectacular!

Apply Now

Pros

  • Easy to obtain.
  • No annual fee!
  • 3 miles per Dollar in the first year.
  • No foreign transaction fees
  • Well accepted overseas.
  • Good customer service.

Cons

More Information

 

#1 Recommendation: Charles Schwab Debit Card – Visa



This debit card is a must-have if you plan to travel for a longer time. They give a $100 bonus without any requirements if you use our link. The Charles Schwab is not charging you for ATM withdrawals at all. Some banks abroad may still charge you though, but even those charges will be reimbursed by the bank.

They reimburse foreign fees!

There is no minimum deposit requirement. It is almost completely free of charge. Though they are better known for their investment products, their debit card is really fantastic.

Apply Now

Pros

  • $ 100 bonus without requirements.
  • No monthly fees.
  • No ATM fees.
  • They even reimburse foreign ATM fees.
  • Well accepted overseas.
  • Good customer service.

Cons

  • Applying for this Debit Card will result in a Hard Pull (HP) on Equifax (EQ).
  • Daily ATM withdrawal limit of $1000.
  • You will have a broker account at the same time but you don’t have to use it.

More Information

 

#2 Recommendation: Capital One 360 – MasterCard



If you have difficulties obtaining the Charles Schwab debit card, this one may be a nice alternative for you. The Capital One Bank is not charging you for ATM withdrawals.

No ATM fees!

There is no minimum deposit requirement. This card is also almost completely free of charge. So this card represents a good choice for you as well.

Apply Now

Pros

  • No monthly fees.
  • No ATM fees.
  • Well accepted overseas.
  • Good customer service.

Cons

  • To apply for this card you need to pass a personal check.

More Information

 

 

Australia: Best travel credit and debit cards

Here you will find the best travel credit and debit cards for Australian citizens. Check out our carefully examinded recommendations, apply without complications and start saving money.


It can really be that simple…


Take your time and read the additional advice, tips and tricks. They are especially for Australian citizens and give additional information to „Do’s and Don’ts: Golden rules for your journey“.

  • Use plastic whenever possible
    Often credit cards offer a lot of rewards such as miles and other bonuses. Furthermore they often have 0 % financing deals as well as the best currency exchange rates. We generally recommend to use plastic rather than cash while travelling abroad.
  • Choose your credit card wisely
    Please take your time to choose your credit card. You can likely save a lot of money and even earn bonuses. There are some top credit cards from top card issuers. Take a look at our recommendations. We have picked just the best cards for you.
  • Credit cards to exchange currency
    Statistics show that you can save 5-10 % by exchanging currency with your credit card. Like this, you’ll have better exchange rates than at an average major bank. We suggest you to do so.

  • No foreign transaction fees!
    More than 80 % of all credit cards charge a premium to process transactions outside of Australia. This is usually between 2-5 % which is horribly much! Avoid this fee. If your credit card charges such a premium take a closer look at our recommendations.
  • Don’t forget the debit card
    If you plan to travel longer than 3 weeks you should also take a debit card with you. A debit card reduces costs at ATMs and exchange rates. Our recommendations are the cheapest.
  • Pay in another currency
    If somebody asks you which currency you would like to pay in, remember: Never pay in AUD. Avoid the double charge.
  • Airport charges
    Don’t exchange money at the airport! Just don’t do this!

#1 Recommendation: Bankwest Zero Platinum MasterCard



At the moment Bankwest’s Zero Platinum is the best credit card for traveling overseas. There is no ATM withdrawal fee nor an annual fee. Furthermore exchanging currency is free as well!

No annual fee!

Because it is a Platinum Card this card offers you certain travel perks. For example, it covers a car hire insurance excess of up to $3,000, delayed luggage of up to $12,000, medical treatments and hospitalization while overseas and lost, stolen or damaged luggage. For details on their travel insurance check out Bankwest’s webpage. If you aim to pay as little as possible while being abroad this card is just perfect.

Apply Now

Pros

  • No annual fee!
  • No ATM withdrawal fees.
  • Well accepted overseas.
  • Great customer service.
  • 55 interest-free days when paying the full amount and on time.
  • No foreign transaction fees.

Cons

  • You have to accept a minimum card limit of $6,000. (Up to $25,000)
  • The cash in advance fee is 2% or $4, depending on what is more. Compared to other cards this is still a low fee.

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#2 Recommendation: 28 Degrees MasterCard



For several years the 28 Degrees credit card had been the best credit card you could get. It’s losing its reputation at the moment. There is still no annual fee and a $0 currency conversion fee as well as $0 foreign transaction fees.

No annual fee!

The cash advance fee has increased to 3% or $4, depending on what is more. Before, this fee didn’t exist. The bank also offers a travel insurance. You can read the details in their information sheet. In conclusion, the 28 Degrees credit card is still one of the best for travelling.

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Pros

  • No ATM withdrawal fees.
  • Widely accepted overseas.
  • No annual fee!
  • 55 interest free days when paying punctual and full.
  • No foreign transaction fees.

Cons

  • You have to accept a minimum card limit of $6,000 up to $25,000.
  • The cash in advance fee is 3% or $4, depending on what is more. Compared to other credit cards this is still a low fee.
  • If you carry out payments in person you have to pay $2.50 and $0.95 for online payments.

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#1 Recommendation: Citibank Plus Everyday Account



At the moment, there is only one debit card we can recommend. The Citibank Plus Everyday Account is by far the best. There are no monthly account or transaction fees. Furthermore this credit card offers fee-free withdrawals at partner ATMs as well as fee-free instant money transfers.

Fee-free if you use it sensibly!

If you use this debit card sensibly it is way better than the best credit cards. We recommend using it together with one of the best credit cards. This combination is just perfect. As a result you’ll have to pay no fees at all.

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Pros

  • No ATM withdrawal fees.
  • Widely accepted overseas.
  • No annual fee!
  • No foreign transaction fees.
  • No fees for international purchases.
  • Obtainable within 15 minutes.

Cons

  • Not perfect for use in Australia. Fee-free at ‘only‘ 3000 ATMs within Australia.

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Canada: Best travel credit and debit cards

Here you will find the best travel credit and debit cards for Canadian citizens. Check out our carefully examined recommendations, apply without complications and start saving money.


It can really be that simple…


Take your time to read the additional advice, tips and tricks. They are especially for Canadian citizens and give additional information to „Dos and Don’ts: Golden rules for your journey“.

  • Use plastic whenever possible
    Often credit cards offer a lot of rewards such as miles and other bonuses. Furthermore they often have 0 % financing deals as well as the best currency exchange rates. We generally recommend to use plastic rather than cash while travelling abroad.
  • Choose your credit card wisely
    Please take your time to choose your credit card. You can really save a lot of money and even earn bonuses. There are top credit cards from top card issuers. Take a look at our recommendations. We have picked just the best ones for you.
  • Credit cards for exchanging currency
    Statistics show that you can save 5-10 % by exchanging currency with your credit card. Like this, you will have better rates than at an average major bank. We suggest you to do so.
  • No American Express
    Quite a high percentage of the Canadian credit card offers are filled with American Express credit cards. These are not widely accepted at all and charge overpriced fees.

  • No foreign-transaction fees!
    More than 80 % of all credit cards charge a premium to process transactions outside of Canada. This is usually between 2-5 % which is terribly much! Avoid this fee. If your credit card charges such a premium take a closer look at our recommendations.
  • Don’t forget the debit card
    If you plan to travel for more than 3 weeks you should also take a debit card with you. A debit card reduces costs at ATMs and exchange rates. Our recommendations are the cheapest.
  • Pay with other currencies
    If somebody asks you which currency you would like to pay in, remember: Never pay in CAD. Avoid the double charge.
  • Airport charges
    Do not exchange money at the airport! Just don’t do this!

#1 Recommendation: Rogers Platinum MasterCard



Roger’s Platinum MasterCard is by far the best credit card for travelling. It offers 1.75% cash back rewards in Canadian Dollars. Everywhere. Furthermore it rewards you with 4% cash back on all purchases you make in a foreign currency. This is just crazy!

4% cash back reward while travelling!

On one hand, you pay a 2.5% fee but on the other hand, you receive 4% on every purchase in a foreign currency. So you will earn 1.5% on every amount you pay while being abroad. The annual fee of $29 is waived in the first year. This card is spectacular!

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Pros

  • No annual fee in the first year.
  • Widely accepted overseas.
  • Good customer service.
  • 4% cash back reward when paying in a foreign currency.
  • 1.75 % cash back in Canadian Dollars.
  • Receive a welcome bonus of $25 with your first purchase.
  • You can redeem your cash back against any expense.

Cons

  • You have to have an income of $15,000 per year. (At the least, your household and at the moment you are applying.)
  • The second year, there is an annual fee of $29. You can cancel your card any time.

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#2 Recommendation: Marriott Rewards Premier Visa Card



Marriott definitely offers some great deals. After your first purchase you receive 30,000 bonus points, which you can redeem into 4 free nights in a lower class hotel (or 2 in a higher class hotel). Additionally you get a free night in a hotel on your account anniversary every year! On top of this they do not charge any foreign transaction fees on purchases outside of Canada. Those deals really save a lot of money!

4 free nights in a hotel!

Usually the annual fee is $120 but it is waived in the first year. You can always cancel your credit card. The cash in advance fee is 1% or 5$, depending on which one is more. Just take a good debit card with you and this credit card may be the perfect choice for you.

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Pros

  • No annual fee in the first year.
  • Widely accepted overseas.
  • Up to 4 free nights with your first purchase.
  • One free night in a hotel every year.
  • Good customer service.
  • No foreign transaction fees.
  • Interest-free grace period.
  • Automatic Silver Elite status.
  • 2 bonus points per $1 spent on airline tickets. 1 point for each Dollar for everything else.

Cons

  • You have to have an income of $30,000 per year. (At the least, your household and at the moment you are applying, has to.)
  • The second year, there is an annual fee of $29 but you can cancel your card any time.

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#3 Recommendation: Amazon Rewards Visa Card



Amazon’s credit card convinces with no annual fees and no foreign transaction fees. Furthermore this card is quite easy to get if you have problems with you credit score. You will also get a $20 welcome bonus after the approval.

No annual fee!

They reward you with a cash back of 2% on every $1 spent on Amazon and with 1% on every 1$ spent on everything else. So if you are looking for a credit card you can get easily, this may be a good choice.

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Pros

  • No annual fee!
  • Well accepted overseas.
  • $20 welcome bonus.
  • No foreign transaction fees.
  • Cash back of 2% on every $1 spent on Amazon. 1% on each Dollar spent on anything else.
  • Easy to obtain.

Cons

  • You have to have an income of $15,000 per year. (At the least, your household and at the moment you are applying, has to.)
  • Compared to our other recommendations the rewards are moderate.

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#1 Recommendation: Tangerine Thrive Chequing



This is the best chequing account you can find while you are travelling. We recommend to have a good debit card in addition to your credit card. A debit card absolutely makes sense for withdrawing money at ATMs. With this card you pay only $2 outside of Canada. That’s it. This is cheap.

Fee-free if you use it sensibly!

No monthly fees and free online banking. Furthermore you get paid interest and your first cheque book is for free. Just open up the best chequing account and receive up to $100.

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Pros

  • No monthly fees.
  • Well accepted overseas.
  • Free ATM withdrawals at more than 50,000 ATMs (Scotia Novia). $1 at other ATMs within Canada and $2 for withdrawals at other ATMs outside of Canada.
  • Easy and fast to obtain.
  • You get interest on your money.

Cons

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