Best Credit Cards for International Travel in the USA: Top Picks for 2026

For Americans who travel internationally, the right credit card can do much more than earn points. A good international travel credit card can help reduce foreign transaction fees, earn valuable rewards on flights and hotels, provide airport lounge access, offer travel insurance, and make spending overseas more convenient.

However, not every rewards card is suitable for international use. Some U.S. credit cards charge foreign transaction fees that can add roughly 1% to 3% to purchases made abroad. A card with no foreign transaction fee can therefore save money every time you use it outside the United States.

In 2026, strong options range from relatively affordable cards such as the Chase Sapphire Preferred to premium products such as the Capital One Venture X and The Platinum Card from American Express. There are also no-annual-fee alternatives for travelers who want to avoid recurring costs.

What Makes a Credit Card Good for International Travel?

The best international travel credit cards generally combine several important features.

No Foreign Transaction Fees

This should be one of the first things you check.

A foreign transaction fee is an additional charge applied to eligible purchases processed outside the United States or in a foreign currency. Depending on the card, these fees can range from 1% to 3%.

For example, imagine spending $5,000 during an international vacation.

At a hypothetical 3% foreign transaction fee:

$5,000 × 3% = $150

That is $150 spent on fees without receiving anything extra in return.

A card with no foreign transaction fee eliminates that particular cost.

Strong Travel Rewards

A good international travel card should also reward purchases such as:

• Flights
• Hotels
• Restaurants
• Rental cars
• Public transportation
• Everyday purchases abroad

Some cards earn transferable points or miles, giving travelers more flexibility when booking flights.

Airport Lounge Access

Frequent international travelers may value airport lounges, particularly when dealing with long layovers.

Premium cards can provide access to networks such as Priority Pass or issuer-specific lounges, although access rules and guest policies vary by card.

Travel Protections

Travel protections can become particularly valuable when something goes wrong.

Depending on the card and eligibility requirements, benefits may include:

• Trip cancellation coverage
• Trip interruption protection
• Trip delay reimbursement
• Baggage protection
• Rental car coverage
• Emergency assistance

The exact coverage varies, so travelers should always read the card’s benefits guide before relying on a protection.

Best Credit Cards for International Travel in 2026

1. Chase Sapphire Preferred — Best Overall for Most Travelers

The Chase Sapphire Preferred Card is one of the strongest choices for Americans who want an affordable travel card that works well internationally.

Forbes Advisor currently lists it as its Best Travel Rewards Card for Beginners among no-foreign-transaction-fee cards. The card has a $95 annual fee, a current 75,000-point welcome offer, and elevated rewards on eligible travel and dining purchases.

One of its biggest advantages is the combination of a relatively low annual fee, flexible Ultimate Rewards points, and travel protections.

For travelers who do not need premium airport lounge access, this can be a more practical choice than an expensive luxury card.

Best for: Most international travelers, beginners, couples, and frequent travelers who want flexible points.

Annual fee: $95

Potential drawback: It does not offer the extensive premium lounge benefits associated with higher-end cards.

2. Capital One Venture Rewards — Best Simple Travel Rewards Card

The Capital One Venture Rewards Credit Card is particularly attractive for travelers who prefer straightforward rewards.

Current 2026 coverage highlights its ability to earn 2 miles per dollar on general purchases and transfer miles to more than 15 travel partners. It also offers a simple travel redemption structure that can make using rewards relatively easy.

For travelers who don’t want to keep track of numerous bonus categories, the flat-rate structure can be appealing.

It also has no foreign transaction fees, making it suitable for international spending.

Best for: Travelers who want simple, flexible rewards.

Annual fee: $95

Potential drawback: It does not provide the same premium lounge experience as Venture X.

3. Capital One Venture X — Best Premium International Travel Card

For frequent international travelers, the Capital One Venture X Rewards Credit Card offers a more premium experience.

The card has a $395 annual fee and combines travel rewards with airport lounge access and travel benefits. Current 2026 comparisons identify Venture X as a leading premium no-foreign-transaction-fee card.

The card earns 2 miles per dollar on general purchases, while eligible travel booked through Capital One Travel can earn higher rewards.

It also provides access to participating airport lounges, making it particularly attractive for travelers who frequently spend time in airports.

The annual fee may look expensive at first, but travelers should calculate the value of the card’s annual travel credit and anniversary miles before deciding whether it makes financial sense.

Best for: Frequent international travelers who want premium benefits.

Annual fee: $395

Potential drawback: Travelers who rarely fly may not use enough benefits to justify the annual fee.

4. The Platinum Card from American Express — Best for Luxury Travelers

The Platinum Card from American Express is designed for travelers who prioritize premium airport and hotel benefits.

Current 2026 information lists an $895 annual fee, while personalized welcome offers can reach up to 175,000 Membership Rewards points for eligible applicants.

The card’s strongest feature is its extensive collection of premium travel and lifestyle benefits, including airport lounge access.

It can be particularly valuable for someone who regularly travels internationally through major airports and can use the card’s various statement credits.

However, this is not necessarily the best card for everyone.

The Wall Street Journal recently noted that premium cards with annual fees approaching $900 may not make sense for infrequent travelers who cannot fully use their benefits.

Best for: Frequent luxury travelers and consumers who regularly use premium travel benefits.

Annual fee: $895

Potential drawback: Very high annual fee and a complex benefits structure.

5. Wells Fargo Autograph — Best No Annual Fee Option

Travelers who want international functionality without paying an annual fee can consider the Wells Fargo Autograph Card.

Current 2026 comparisons list it as a leading no-annual-fee card for international travel. WalletHub identifies it as its best no-annual-fee option in its August 2026 international travel rankings.

The card is particularly attractive because it combines no annual fee with rewards in several everyday categories.

This can make it a useful card for consumers who travel internationally only a few times each year.

Best for: Budget-conscious travelers who want no annual fee.

Annual fee: $0

Potential drawback: It does not offer the same premium travel ecosystem or lounge access as high-end cards.

6. Bilt Rewards Mastercard — Best for No Annual Fee and Travel Flexibility

The Bilt Rewards Mastercard is another interesting option for travelers who want no annual fee and international usability.

Current 2026 comparisons identify Bilt as a strong no-annual-fee card with no foreign transaction fees and transferable points.

The card can be particularly interesting for renters because its rewards ecosystem is designed around earning points on rent as well as other purchases.

For international travelers, the ability to transfer points to participating travel partners can create additional flexibility.

Best for: Renters and travelers who want transferable points without an annual fee.

Annual fee: $0

Potential drawback: Its value proposition is more specialized than a traditional premium travel card.

Why Visa and Mastercard Can Be Useful Abroad

International acceptance is another factor travelers should consider.

Visa and Mastercard are generally widely accepted internationally, including at many smaller merchants.

American Express can also be extremely useful, particularly at major hotels, airlines, restaurants, and other larger businesses, but acceptance can vary by country and merchant.

For this reason, frequent international travelers may want to carry at least one backup card from a different payment network.

For example:

Primary card: Visa

Backup card: Mastercard

This can provide an extra layer of flexibility if one card is not accepted.

Should You Use a Credit Card or Cash Abroad?

Credit cards can be extremely convenient internationally, but travelers should still carry some local currency when appropriate.

There are situations where a small business, taxi, market, vending machine, or other merchant may not accept cards.

A practical international travel setup might include:

• One primary no-foreign-transaction-fee credit card
• One backup credit card
• A debit card for ATM access
• A reasonable amount of local cash

The important point is to avoid relying on a single payment method.

Always Pay in the Local Currency

When using a credit card abroad, you may sometimes be asked whether you want to pay in U.S. dollars or the local currency.

In many cases, selecting the local currency is preferable because choosing U.S. dollars can trigger dynamic currency conversion, where the merchant or payment processor determines the exchange rate.

For example, in Japan you may be asked whether you want the transaction displayed in:

Japanese yen (JPY)

or

U.S. dollars (USD)

Selecting the local currency generally allows your card’s payment network and issuer to handle the currency conversion instead of accepting the merchant’s conversion rate.

Always review the screen carefully before confirming the transaction.

Are Travel Credit Cards Worth the Annual Fee?

It depends entirely on how much you travel.

Consider two hypothetical travelers.

Traveler A

• Travels internationally once per year
• Rarely uses airport lounges
• Spends $4,000 annually abroad
• Doesn’t use travel credits

A $795 or $895 premium card probably isn’t necessary.

Traveler B

• Takes 8 international trips per year
• Frequently uses airport lounges
• Spends heavily on flights and hotels
• Uses annual travel credits
• Values travel protections

A premium card could potentially provide significantly more value.

The Wall Street Journal recently emphasized this distinction, noting that premium travel cards make more sense for consumers who can fully utilize their benefits rather than simply signing up because of the prestige or welcome bonus.

How to Calculate the Value of an International Travel Card

A simple calculation can help.

Travel rewards + usable travel credits + lounge value + other benefits − annual fee = estimated annual value

For example:

Travel rewards: $600
Travel credits: $300
Lounge value: $400
Other usable benefits: $100
Annual fee: $395

Estimated value:

$600 + $300 + $400 + $100 − $395 = $1,005

This is only an example.

You should use the value that the benefits actually have to you, not the issuer’s advertised maximum value.

If you would never visit an airport lounge, don’t assign hundreds of dollars of value to lounge access.

How to Maximize International Travel Credit Cards

Use the Card for Travel Purchases

Flights, hotels, rental cars, trains, and other eligible travel purchases can earn elevated rewards depending on the card.

Use Transfer Partners Strategically

Cards such as Chase Sapphire Preferred, Capital One Venture, and other flexible travel products can provide access to airline and hotel transfer partners.

Transfer points only after confirming that the redemption provides good value.

Use Travel Protections

Before purchasing separate travel insurance, check what protections your credit card already provides.

Read the benefits guide carefully because coverage can depend on how the trip was purchased and other conditions.

Use Lounge Benefits

If your premium card provides lounge access, use it when appropriate.

However, don’t choose a card solely for lounges if you rarely travel.

Notify Your Issuer When Necessary

Modern card issuers can often detect international transactions, but travelers should still ensure their contact information is current and understand how their issuer handles international travel.

What Should You Look for in an International Credit Card?

Before applying, compare these factors:

1. Foreign Transaction Fee

Ideally, choose 0%.

2. Annual Fee

Calculate whether the benefits justify the cost.

3. Rewards

Look for strong earning rates on travel, dining, hotels, and everyday purchases.

4. International Acceptance

Visa and Mastercard can be particularly useful for broad international acceptance.

5. Travel Insurance

Check whether the card includes trip cancellation, interruption, delay, baggage, or rental car protections.

6. Airport Lounge Access

This is especially valuable for frequent travelers.

7. Transfer Partners

Flexible points can provide additional value when transferred strategically.

8. Foreign ATM Costs

Remember that a credit card’s no-foreign-transaction-fee policy does not necessarily make it a good card for cash withdrawals. Cash advances can involve separate fees and interest charges.

Best International Travel Credit Card by Traveler Type

Best overall: Chase Sapphire Preferred

Best simple rewards: Capital One Venture Rewards

Best premium travel card: Capital One Venture X

Best luxury travel: American Express Platinum

Best no annual fee: Wells Fargo Autograph

Best for renters: Bilt Rewards Mastercard

These categories reflect different priorities rather than a universal ranking. Current 2026 comparisons similarly emphasize Chase Sapphire Preferred, Capital One Venture products, and no-annual-fee options as strong choices for international travelers.

Final Verdict

The best credit card for international travel in the USA in 2026 depends on how frequently you travel and which benefits you actually use.

For most Americans looking for a balance between cost and benefits, the Chase Sapphire Preferred is an excellent starting point. It has a relatively modest $95 annual fee, no foreign transaction fees, flexible rewards, and travel protections.

For travelers who want a simple rewards structure, the Capital One Venture Rewards offers a straightforward approach with flexible miles and no foreign transaction fees.

For frequent international travelers who want airport lounge access and premium benefits, the Capital One Venture X is a compelling option. The American Express Platinum goes even further into the luxury category, but its $895 annual fee means you need to use its benefits extensively to justify the cost.

Travelers who want to avoid annual fees can consider cards such as the Wells Fargo Autograph or Bilt Rewards Mastercard, both of which are highlighted in current 2026 international-travel comparisons.

Ultimately, the most important features are no foreign transaction fees, broad international acceptance, useful travel rewards, reasonable fees, and protections that match your travel habits.

A great international travel credit card should save you money and make your trip easier—not encourage you to spend more than you can afford.

Disclaimer: Credit card rewards, annual fees, APRs, foreign transaction fees, welcome offers, travel benefits, lounge policies, and eligibility requirements can change. Always review the current terms directly with the card issuer before applying. Never carry a balance simply to earn travel rewards.

Best Credit Cards for International Travel in the USA: Top Picks for 2026

For Americans who travel internationally, the right credit card can do much more than earn points. A good international travel credit card can help reduce foreign transaction fees, earn valuable rewards on flights and hotels, provide airport lounge access, offer travel insurance, and make spending overseas more convenient.

However, not every rewards card is suitable for international use. Some U.S. credit cards charge foreign transaction fees that can add roughly 1% to 3% to purchases made abroad. A card with no foreign transaction fee can therefore save money every time you use it outside the United States.

In 2026, strong options range from relatively affordable cards such as the Chase Sapphire Preferred to premium products such as the Capital One Venture X and The Platinum Card from American Express. There are also no-annual-fee alternatives for travelers who want to avoid recurring costs.

What Makes a Credit Card Good for International Travel?

The best international travel credit cards generally combine several important features.

No Foreign Transaction Fees

This should be one of the first things you check.

A foreign transaction fee is an additional charge applied to eligible purchases processed outside the United States or in a foreign currency. Depending on the card, these fees can range from 1% to 3%.

For example, imagine spending $5,000 during an international vacation.

At a hypothetical 3% foreign transaction fee:

$5,000 × 3% = $150

That is $150 spent on fees without receiving anything extra in return.

A card with no foreign transaction fee eliminates that particular cost.

Strong Travel Rewards

A good international travel card should also reward purchases such as:

• Flights
• Hotels
• Restaurants
• Rental cars
• Public transportation
• Everyday purchases abroad

Some cards earn transferable points or miles, giving travelers more flexibility when booking flights.

Airport Lounge Access

Frequent international travelers may value airport lounges, particularly when dealing with long layovers.

Premium cards can provide access to networks such as Priority Pass or issuer-specific lounges, although access rules and guest policies vary by card.

Travel Protections

Travel protections can become particularly valuable when something goes wrong.

Depending on the card and eligibility requirements, benefits may include:

• Trip cancellation coverage
• Trip interruption protection
• Trip delay reimbursement
• Baggage protection
• Rental car coverage
• Emergency assistance

The exact coverage varies, so travelers should always read the card’s benefits guide before relying on a protection.

Best Credit Cards for International Travel in 2026

1. Chase Sapphire Preferred — Best Overall for Most Travelers

The Chase Sapphire Preferred Card is one of the strongest choices for Americans who want an affordable travel card that works well internationally.

Forbes Advisor currently lists it as its Best Travel Rewards Card for Beginners among no-foreign-transaction-fee cards. The card has a $95 annual fee, a current 75,000-point welcome offer, and elevated rewards on eligible travel and dining purchases.

One of its biggest advantages is the combination of a relatively low annual fee, flexible Ultimate Rewards points, and travel protections.

For travelers who do not need premium airport lounge access, this can be a more practical choice than an expensive luxury card.

Best for: Most international travelers, beginners, couples, and frequent travelers who want flexible points.

Annual fee: $95

Potential drawback: It does not offer the extensive premium lounge benefits associated with higher-end cards.

2. Capital One Venture Rewards — Best Simple Travel Rewards Card

The Capital One Venture Rewards Credit Card is particularly attractive for travelers who prefer straightforward rewards.

Current 2026 coverage highlights its ability to earn 2 miles per dollar on general purchases and transfer miles to more than 15 travel partners. It also offers a simple travel redemption structure that can make using rewards relatively easy.

For travelers who don’t want to keep track of numerous bonus categories, the flat-rate structure can be appealing.

It also has no foreign transaction fees, making it suitable for international spending.

Best for: Travelers who want simple, flexible rewards.

Annual fee: $95

Potential drawback: It does not provide the same premium lounge experience as Venture X.

3. Capital One Venture X — Best Premium International Travel Card

For frequent international travelers, the Capital One Venture X Rewards Credit Card offers a more premium experience.

The card has a $395 annual fee and combines travel rewards with airport lounge access and travel benefits. Current 2026 comparisons identify Venture X as a leading premium no-foreign-transaction-fee card.

The card earns 2 miles per dollar on general purchases, while eligible travel booked through Capital One Travel can earn higher rewards.

It also provides access to participating airport lounges, making it particularly attractive for travelers who frequently spend time in airports.

The annual fee may look expensive at first, but travelers should calculate the value of the card’s annual travel credit and anniversary miles before deciding whether it makes financial sense.

Best for: Frequent international travelers who want premium benefits.

Annual fee: $395

Potential drawback: Travelers who rarely fly may not use enough benefits to justify the annual fee.

4. The Platinum Card from American Express — Best for Luxury Travelers

The Platinum Card from American Express is designed for travelers who prioritize premium airport and hotel benefits.

Current 2026 information lists an $895 annual fee, while personalized welcome offers can reach up to 175,000 Membership Rewards points for eligible applicants.

The card’s strongest feature is its extensive collection of premium travel and lifestyle benefits, including airport lounge access.

It can be particularly valuable for someone who regularly travels internationally through major airports and can use the card’s various statement credits.

However, this is not necessarily the best card for everyone.

The Wall Street Journal recently noted that premium cards with annual fees approaching $900 may not make sense for infrequent travelers who cannot fully use their benefits.

Best for: Frequent luxury travelers and consumers who regularly use premium travel benefits.

Annual fee: $895

Potential drawback: Very high annual fee and a complex benefits structure.

5. Wells Fargo Autograph — Best No Annual Fee Option

Travelers who want international functionality without paying an annual fee can consider the Wells Fargo Autograph Card.

Current 2026 comparisons list it as a leading no-annual-fee card for international travel. WalletHub identifies it as its best no-annual-fee option in its August 2026 international travel rankings.

The card is particularly attractive because it combines no annual fee with rewards in several everyday categories.

This can make it a useful card for consumers who travel internationally only a few times each year.

Best for: Budget-conscious travelers who want no annual fee.

Annual fee: $0

Potential drawback: It does not offer the same premium travel ecosystem or lounge access as high-end cards.

6. Bilt Rewards Mastercard — Best for No Annual Fee and Travel Flexibility

The Bilt Rewards Mastercard is another interesting option for travelers who want no annual fee and international usability.

Current 2026 comparisons identify Bilt as a strong no-annual-fee card with no foreign transaction fees and transferable points.

The card can be particularly interesting for renters because its rewards ecosystem is designed around earning points on rent as well as other purchases.

For international travelers, the ability to transfer points to participating travel partners can create additional flexibility.

Best for: Renters and travelers who want transferable points without an annual fee.

Annual fee: $0

Potential drawback: Its value proposition is more specialized than a traditional premium travel card.

Why Visa and Mastercard Can Be Useful Abroad

International acceptance is another factor travelers should consider.

Visa and Mastercard are generally widely accepted internationally, including at many smaller merchants.

American Express can also be extremely useful, particularly at major hotels, airlines, restaurants, and other larger businesses, but acceptance can vary by country and merchant.

For this reason, frequent international travelers may want to carry at least one backup card from a different payment network.

For example:

Primary card: Visa

Backup card: Mastercard

This can provide an extra layer of flexibility if one card is not accepted.

Should You Use a Credit Card or Cash Abroad?

Credit cards can be extremely convenient internationally, but travelers should still carry some local currency when appropriate.

There are situations where a small business, taxi, market, vending machine, or other merchant may not accept cards.

A practical international travel setup might include:

• One primary no-foreign-transaction-fee credit card
• One backup credit card
• A debit card for ATM access
• A reasonable amount of local cash

The important point is to avoid relying on a single payment method.

Always Pay in the Local Currency

When using a credit card abroad, you may sometimes be asked whether you want to pay in U.S. dollars or the local currency.

In many cases, selecting the local currency is preferable because choosing U.S. dollars can trigger dynamic currency conversion, where the merchant or payment processor determines the exchange rate.

For example, in Japan you may be asked whether you want the transaction displayed in:

Japanese yen (JPY)

or

U.S. dollars (USD)

Selecting the local currency generally allows your card’s payment network and issuer to handle the currency conversion instead of accepting the merchant’s conversion rate.

Always review the screen carefully before confirming the transaction.

Are Travel Credit Cards Worth the Annual Fee?

It depends entirely on how much you travel.

Consider two hypothetical travelers.

Traveler A

• Travels internationally once per year
• Rarely uses airport lounges
• Spends $4,000 annually abroad
• Doesn’t use travel credits

A $795 or $895 premium card probably isn’t necessary.

Traveler B

• Takes 8 international trips per year
• Frequently uses airport lounges
• Spends heavily on flights and hotels
• Uses annual travel credits
• Values travel protections

A premium card could potentially provide significantly more value.

The Wall Street Journal recently emphasized this distinction, noting that premium travel cards make more sense for consumers who can fully utilize their benefits rather than simply signing up because of the prestige or welcome bonus.

How to Calculate the Value of an International Travel Card

A simple calculation can help.

Travel rewards + usable travel credits + lounge value + other benefits − annual fee = estimated annual value

For example:

Travel rewards: $600
Travel credits: $300
Lounge value: $400
Other usable benefits: $100
Annual fee: $395

Estimated value:

$600 + $300 + $400 + $100 − $395 = $1,005

This is only an example.

You should use the value that the benefits actually have to you, not the issuer’s advertised maximum value.

If you would never visit an airport lounge, don’t assign hundreds of dollars of value to lounge access.

How to Maximize International Travel Credit Cards

Use the Card for Travel Purchases

Flights, hotels, rental cars, trains, and other eligible travel purchases can earn elevated rewards depending on the card.

Use Transfer Partners Strategically

Cards such as Chase Sapphire Preferred, Capital One Venture, and other flexible travel products can provide access to airline and hotel transfer partners.

Transfer points only after confirming that the redemption provides good value.

Use Travel Protections

Before purchasing separate travel insurance, check what protections your credit card already provides.

Read the benefits guide carefully because coverage can depend on how the trip was purchased and other conditions.

Use Lounge Benefits

If your premium card provides lounge access, use it when appropriate.

However, don’t choose a card solely for lounges if you rarely travel.

Notify Your Issuer When Necessary

Modern card issuers can often detect international transactions, but travelers should still ensure their contact information is current and understand how their issuer handles international travel.

What Should You Look for in an International Credit Card?

Before applying, compare these factors:

1. Foreign Transaction Fee

Ideally, choose 0%.

2. Annual Fee

Calculate whether the benefits justify the cost.

3. Rewards

Look for strong earning rates on travel, dining, hotels, and everyday purchases.

4. International Acceptance

Visa and Mastercard can be particularly useful for broad international acceptance.

5. Travel Insurance

Check whether the card includes trip cancellation, interruption, delay, baggage, or rental car protections.

6. Airport Lounge Access

This is especially valuable for frequent travelers.

7. Transfer Partners

Flexible points can provide additional value when transferred strategically.

8. Foreign ATM Costs

Remember that a credit card’s no-foreign-transaction-fee policy does not necessarily make it a good card for cash withdrawals. Cash advances can involve separate fees and interest charges.

Best International Travel Credit Card by Traveler Type

Best overall: Chase Sapphire Preferred

Best simple rewards: Capital One Venture Rewards

Best premium travel card: Capital One Venture X

Best luxury travel: American Express Platinum

Best no annual fee: Wells Fargo Autograph

Best for renters: Bilt Rewards Mastercard

These categories reflect different priorities rather than a universal ranking. Current 2026 comparisons similarly emphasize Chase Sapphire Preferred, Capital One Venture products, and no-annual-fee options as strong choices for international travelers.

Final Verdict

The best credit card for international travel in the USA in 2026 depends on how frequently you travel and which benefits you actually use.

For most Americans looking for a balance between cost and benefits, the Chase Sapphire Preferred is an excellent starting point. It has a relatively modest $95 annual fee, no foreign transaction fees, flexible rewards, and travel protections.

For travelers who want a simple rewards structure, the Capital One Venture Rewards offers a straightforward approach with flexible miles and no foreign transaction fees.

For frequent international travelers who want airport lounge access and premium benefits, the Capital One Venture X is a compelling option. The American Express Platinum goes even further into the luxury category, but its $895 annual fee means you need to use its benefits extensively to justify the cost.

Travelers who want to avoid annual fees can consider cards such as the Wells Fargo Autograph or Bilt Rewards Mastercard, both of which are highlighted in current 2026 international-travel comparisons.

Ultimately, the most important features are no foreign transaction fees, broad international acceptance, useful travel rewards, reasonable fees, and protections that match your travel habits.

A great international travel credit card should save you money and make your trip easier—not encourage you to spend more than you can afford.

Disclaimer: Credit card rewards, annual fees, APRs, foreign transaction fees, welcome offers, travel benefits, lounge policies, and eligibility requirements can change. Always review the current terms directly with the card issuer before applying. Never carry a balance simply to earn travel rewards.