The 5 Best Travel Credit Cards for 2024

Save Money Abroad

Get ready to travel worry-free! Before you embark, learn all about the best travel cards and their use abroad. Avoid unnecessary expenses and make the most of your adventure. In this article, I will show you the best fee-free card options so you can maximize every euro spent on your travels.

Before starting your journey, you should know that unless you have a travel card, using a card outside of Spain may result in paying four different fees or charges that will increase the budget for your vacation.

Avoid Fees When Withdrawing Money

When using your card outside of Spain, you may be charged fees for withdrawing money from foreign ATMs. The conditions of these regular cards are likely to be unfavorable, so before traveling, inquire at your bank. Two concepts to consider:

Fee for withdrawing money from another ATM, usually a percentage (around 4 or 5%) of the total amount withdrawn. If you withdraw €500, you could pay up to €25 in fees, no joke!

If you choose to exchange money abroad, it’s important not to do it at currency exchange offices or banks at the airport and look for a more convenient one in the city. Compare several and decide.

Watch Out for the Exchange Rate

Best card - REVOLUT

If you have euros in your account and need dollars, you have to exchange currency. The problem is that exchanging one currency for another, whether for a purchase or to withdraw money, can be very expensive depending on the exchange rate applied by your bank.

Be careful! Some institutions tell you that they won’t charge you any commission for currency exchange, but then they apply a very unfavorable exchange rate that is almost worse than paying a commission. If they apply an official table or “inflate” these exchange rates to make them unfavorable.

Currency Exchange Fees

In addition to what you might lose with the exchange rate, most banks will charge you a commission for currency exchange, typically between 3 and 4% of the transaction amount. Not only can the exchange rate harm you, but there are also fees for currency exchange. Look for banks with more competitive rates or even those without fees for this service.

Therefore, I do not recommend exchanging money at your bank because they usually apply high commissions and, in addition, you would be carrying a lot of cash with you. There is a cheaper alternative, which is to order currency from one of the online exchange houses, with much better prices.

Traveling is a wonderful experience, and with this information, you can make the most of every euro spent on your vacation. Enjoy your trip without financial worries!

Best Card

Winners of the VIII Rankia Awards in the banking category.

The nominees for the best card were: Revolut, N26, and BBVA. 

But finally, the award for the best card went to Revolut.

Best card – REVOLUT

Best cards for traveling without commissions

Revolut Card

Revolut: The Essential Card for Your Next Trip

Revolut Card

Why do you need a Revolut card for your next trip?

  1. No-fee currency exchange: Forget about hidden fees and currency exchange losses. Pay in any country with the best available exchange rate at that moment and without commissions. More money to enjoy your experiences abroad!
  2. Total control of your finances: The Revolut mobile app allows you to keep a detailed track of your expenses so that you know how much you save on your travels at all times. Additionally, access exclusive offers from your favorite brands.
  3. ATMs in 120 different currencies: Withdraw cash from ATMs worldwide without worrying about additional fees. Travel with peace of mind!
  4. Free and reloadable card: Get your Revolut card for free and with no maintenance fees. Easily top up money through your Visa or Mastercard.
  5. Variety of options: Revolut offers different plans, from the standard version to premium or metal. Choose the one that best suits your needs and travel frequency.
  6. Compatible with Apple Pay and Google Pay: Pay securely and quickly from your smartphone by linking your Revolut card to Apple Pay or Google Pay.
  7. Customer support: If you have doubts or issues, the customer support service will assist you promptly.
  8. Rewards and benefits: Revolut offers additional advantages, such as a 3% refund on accommodation reservations.

Applying is easy! Get it by clicking here Revolut.

  1. Go to the Revolut website and register by providing your phone number.
  2. Download the app, complete your details, and verify your identity.
  3. Make a minimum transaction of €0.01 to activate your account.
  4. Done! Your card will be ready for use, whether virtual or physical.

Don’t let bank fees ruin your adventure. Apply for your free Revolut card now and enjoy 3 months free with the Premium option!

Remember always to carry more than one card when you travel, as cards may fail or not be accepted in certain places. Revolut gives you the peace of mind to pay and withdraw money abroad without fees.

Join the nearly 2 million people in Spain who already enjoy the benefits of the Revolut card!

CREDIT CARD PAYMENT COUPLE

N26 Card

 The Perfect Ally for Traveling without Fees

N26 CARD

Imagine exploring different destinations without worrying about bank fees. With N26, you’ll have the freedom to enjoy your travels without limits abroad. From the romantic streets of Paris to any corner of the world, the N26 card will accompany you without unpleasant surprises.

Get your N26 card for free here N26 Card

  1. Simplicity and Transparency: Enjoy a transparent banking experience with no hidden fees. The N26 Mastercard offers interbank exchange rates, allowing you to pay in foreign currencies without additional charges.
  2. Digital Banking Account: N26 provides you with a digital banking account and an associated debit card. Forget about traditional fees and enjoy free payments and withdrawals abroad.
  3. Intuitive Mobile App: N26’s mobile app is user-friendly and keeps you informed about your expenses with instant notifications. It also features an automatic savings function to help you plan your finances.
  4. Advantages in Paris: Stroll through the cobblestone streets of Paris, enjoying its charm and gastronomy without worrying about additional charges on your purchases. With the N26 card, every foreign currency purchase is commission-free.
  5. Card Options: N26 offers both a free virtual debit card and a physical card for a fee of €10. Decide which one suits your needs best.
  6. International Mobile Bank: With 8 million customers worldwide, N26 is a reliable and widely used mobile bank for hassle-free travel.

Disadvantages of N26

ATM Withdrawal Limits: Be aware of ATM withdrawal limits. However, N26 offers up to 5 free withdrawals per month in the Eurozone.

  • Limited Advanced Features: While N26 is an excellent choice for travel, it does not offer as many advanced features as other options.

Join N26’s community of 8 million satisfied customers and experience simplicity and transparency in your travels. Don’t worry about ATM withdrawal limits, as N26 offers up to 5 free withdrawals per month in the Eurozone.

N26 is the perfect complement to the Revolut card, allowing you to travel with peace of mind and avoid additional fees. Remember always to carry at least two cards to have a backup option in case of any unforeseen events.

Pay in Any Currency Without Commission

With N26, paying in any foreign currency is simple and without additional currency exchange fees. Forget about worries and enjoy every experience during your travels.

Don’t let bank fees limit your experiences. Travel with the N26 card and discover a simpler and more transparent way to explore the world. Apply for your N26 card now and get ready for a new adventure without borders.

Girl with phone and credit card

Rebellion Card

Rebellion: Travel, Save, and Invest at the Same Time!

REBELLION CARD
  • Rebellion is the discovery you’ve been waiting for your travels. This fascinating Mastercard gives you the freedom to explore the world without worrying about hidden fees.
  • But that’s not all, it also offers you the unique opportunity to invest your money while enjoying new experiences.
  •  
  • 1. Travel Without Commissions: With Rebellion, forget about bank fees when withdrawing money abroad and making payments. Its free and rechargeable card allows you to withdraw up to €500 without additional charges. After that, you’ll only pay a small fee of €2.

2. Invest in Your Future: Why not grow your money while exploring the world? Rebellion offers you the option to invest your funds in different assets, giving you the possibility of earning additional profits while traveling. Can you imagine investing €1,000 in a savings account with a 2% annual interest while immersing yourself in the paradisiacal beaches of Southeast Asia? At the end of the year, you’ll have generated an extra €20 that you can use for new adventures.

3. Savings Accounts with Competitive Interest: In addition to investing, Rebellion gives you access to savings accounts with competitive interest rates. So, while you enjoy your experiences abroad, your money will also be growing.

4. Financial Freedom in Your Pocket: Rebellion is not just a card; it’s like having a bank and an investment platform in your pocket. Travel with the peace of mind of having total control over your finances and the opportunity to increase your savings.

5. Welcome Promotion: If you still need more reasons to join Rebellion, their €15 welcome promotion is the finishing touch. Why not start your next journey with a gift?

6. Details about the Rebellion Card:

  • You can make up to 4 free withdrawals from national ATMs and 4 from international ATMs per month.
  • For purchases, the maximum amount is €3,000 per month, giving you flexibility for your expenses during the trip.

Rebellion is the perfect card for travelers seeking a complete financial experience. Travel without fees, invest in your future, and save while exploring new destinations. Are you ready to take the next step towards financial freedom and unforgettable experiences? Apply for your Rebellion card today and start a new adventure without limits. The world awaits you with Rebellion!

Girl with credit card and mobile

Bnext Card

The Free Prepaid Card to Control Your Finances While Traveling

Bnext Card

Bnext is an attractive option for travelers looking for a fee-free prepaid card to take on their adventures.

With a simple application through its app, you can get this card completely free with no maintenance fees.

Advantages of the Bnext Card for Travel:

  1. Easy and Quick Application: Getting the Bnext card is very simple. You just need to download the app, upload a photo of your ID, and provide your address to receive the card for free.
  2. Simple Top-ups: You can easily top up your Bnext card with any debit card you have. Similar to an online purchase, you will enter your card details and the amount you want to top up. The amount will be available instantly.
  3. Fee-Free Cash Withdrawals: With Bnext, you can withdraw up to €500 per month from ATMs worldwide without paying additional fees.
  4. Generous Purchase Limit: Bnext allows you to spend up to €2000 per month at stores.
  5. Official Visa Exchange Rate: For all transactions, Bnext uses the official Visa exchange rate, providing transparency and certainty in your foreign currency transactions.
  6. Total Control of Your Finances: You can link the accounts of your other banks to the Bnext app and have complete control of all your financial transactions from one place.
  7. Card Lock Function: In case of loss or theft, Bnext offers the option to instantly lock the card, providing you with peace of mind and security.

Disadvantages of the Bnext Card for Travel:

  1. International Transfers with Limitations: If you need to make international transfers, keep in mind that they are only free between Bnext customers, which can be a limitation if you need to make payments outside the card’s user network.

In conclusion, Bnext is an option to consider if you are looking for a free prepaid card for your travels. With its easy application, simple top-ups, fee-free cash withdrawals, and the ability to control your finances from the app, Bnext provides you with a convenient and secure financial experience while exploring new destinations.

Just be aware of the limitations in international transfers if it is an important aspect for you. With Bnext, traveling will be more comfortable, and you can be confident knowing that you have total control of your expenses at all times. Get ready to embark on new adventures with the Bnext card in your pocket!

Vivid Card

Vivid Money: A Personalized and Rewarding Card for Passionate Travelers

Vivid Card

Vivid Money stands out for providing a unique and personalized banking experience for those who love to travel and experience authentic moments worldwide. With its fee-free debit card, Vivid not only allows you to travel without financial worries but also offers exclusive benefits and rewards that make every trip even more special.

Advantages of the Vivid Card for Passionate Travelers:

  1. Exclusive Rewards: Vivid understands that traveling is a unique experience and wants every moment to be special. That’s why it offers exclusive rewards, such as discounts at local shops and restaurants, as well as unique loyalty programs. Imagine getting a 10% discount at a sushi restaurant in Tokyo or enjoying other benefits in your favorite destinations.
  2. Customization: With Vivid, you can personalize the appearance of your card to suit your style and personality. It’s an excellent way to carry a piece of home with you while you venture around the world.
  3. Real-Time Notifications: You’ll receive instant notifications about your expenses, allowing you to maintain full control of your finances while traveling.
  4. No Cash Withdrawal Fees: With the Vivid Standard card, you can withdraw up to 200 euros per month from any ATM worldwide without fees. If you need to withdraw more money, you can opt for Vivid Prime, allowing you to withdraw up to 1000 euros per month without additional charges.
  5. Payments in a Different Currency than Euro: Vivid applies a 0.5% fee on the Visa exchange rate for payments made in currencies other than the euro. This provides a convenient and cost-effective way to make purchases abroad.
  6. Flexibility and Total Control: Vivid offers flexibility and total control over your finances through its intuitive app. You can manage your funds, make transfers, and easily lock your card from your mobile device.

Drawbacks of the Vivid Card for Passionate Travelers:

  1. Cost of Vivid Prime: While Vivid Prime offers significant advantages, the monthly cost of 9.90 euros may not be suitable for all users. However, the exclusive rewards and benefits can easily outweigh this cost for frequent travelers.

Vivid is by your side, offering unique benefits and total control over your finances as you create unforgettable memories on each journey. Embark with Vivid Money and live extraordinary experiences on your travels!

Girl with laptop and credit card

Traveling without fees is a smart way to save money and fully enjoy each destination. With cards like Revolut, N26, Rebellion, Benext, and Vivid, you can say goodbye to unpleasant surprises on your bank statement and hello to a more economical and satisfying travel experience. Each of these cards offers unique benefits, from interbank exchange rates to investment options and exclusive rewards. So don’t wait any longer, choose the perfect card for you and start traveling without fees while saving money for more incredible adventures.

Comparison of the Best Travel Cards

To make it easier, let’s consider a practical example: we’re traveling in Thailand and withdrawing 10,000 THB from an ATM, about 300€.

* At the time of writing the article, the official exchange rate was as follows: 10,000 THB = 298.57€

BANK                                       WITHDRAWAL OF 10,000 THB

REVOLUT METAL  —————-  298.57€

N26 STANDARD  ——————  304.60€ (1.7%)

REBELLION ————————  299.81€

BENEXT —————————-  298.07€

VIVID  ——————————-  299.81€

Card Limits

Here’s a comparison of all the cards, focusing on the two limits that matter: the maximum amount we can withdraw from an ATM without fees, and the foreign currency purchases we can make per month:

Bank                                                   Withdrawal Limit

VIVID PRIME ————————- 1,000€ (then 3%)

REVOLUT METAL ——————– 800€ (then 2%)

REBELLION ————————— 500€ (then 2€)

REVOLUT PREMIUM —————- 400€ (then 2%)

REVOLUT STANDARD AND PLUS —— 200€ (then 2%)

VIVID STANDARD ——————— 200€ (then 3%)

BENEXT STANDARD —————– 500€ daily/Weekly 1,250€

How to Choose the Best Commission-Free Travel Card?

Factors to consider when selecting a card, such as fees, exchange rates, security policies, and additional benefits. Recommendations for comparing different options and reading the fine print before deciding which card to get.
Tips for using commission-free travel cards securely, with security measures to consider when using cards abroad, such as protecting your personal and financial data during your travels.

Girl with a credit card

What to Consider When Choosing a Travel Card?

  • Geographical Coverage: Verify that the card is accepted in the countries you plan to travel to.
  • Spending and Cash Withdrawal Limits: Check the limits set by the card to ensure they meet your travel needs.
  • Currency Conversion Fees: Some cards may charge a fee for currency conversion; make sure to understand the associated charges.
  • Additional Benefits such as Travel Insurance: Some cards offer benefits such as travel insurance, roadside assistance, or purchase protection. Evaluate these additional benefits when choosing your card.

Tips for Saving Money When Using Cards Abroad

  • Avoid Cash Transactions Whenever Possible: Using your card instead of cash will help you avoid currency exchange fees and provide greater security.
  • Use Mobile Apps to Compare Exchange Rates: There are apps available that allow you to compare exchange rates offered by different cards and currency providers.
  • Plan Your Travel Budget and Monitor Expenses: Set a budget for your daily expenses and use apps or online tools to track your spending and keep it under control.
Girl with Credit Card

Features of Your Ideal Travel Card

When traveling abroad, having a card that helps you avoid unnecessary fees is crucial. Many traditional cards charge fees for foreign transactions, which can add up to significant costs throughout your journey. Choosing the right card will allow you to save money and enjoy your trip without financial worries.

  • Zero Foreign Transaction Fees: Look for a card that does not apply fees for usage abroad. This way, you can make transactions without additional costs.
  • Good Currency Exchange Rates: Some cards offer competitive interbank exchange rates, meaning you’ll get a better currency conversion rate when making payments abroad.
  • Fraud and Theft Protection: Ensure that your card has robust security measures to protect your data and money while traveling.
  • Options for Cash Withdrawal without Additional Charges: If you need to withdraw cash during your trip, look for a card that offers fee-free or low-fee withdrawals at international ATMs.

Types of Cards for Traveling Abroad

  • Credit cards with no foreign transaction fees: These cards allow you to make credit purchases abroad without incurring foreign transaction charges.
  • International debit cards: These cards are directly linked to your bank account, allowing you to make payments and withdrawals abroad without additional fees.
  • Prepaid travel cards: These cards allow you to load a specific amount of money before your trip and use it as a debit card abroad. They are a good option if you want to control and limit your expenses.

Learn about using cards in the country you are visiting

Before traveling, check if card payments are widespread wherever you go. Although it may seem unbelievable because here in Spain, we can pay for anything without carrying cash, in many countries, cash still reigns supreme. Either way, it’s always good to have some local currency on hand. To obtain foreign currency, we use Ria Currency Exchange. They have excellent exchange rates and securely send money to your home.

Currency exchange with RIA

A website to EXCHANGE CURRENCY (US dollars, yen, or pounds), Ria is the best option for getting the best exchange rate. They have many physical offices in Spain, but if you prefer not to move, they can send the money to your home.

Ria Currency Exchange:

Ria-logo

  1. Main Services:
    • Currency Exchange: Ria offers currency exchange services for various currencies, including US dollars, yen, pounds, and many more.
    • Money Transfers: In addition to currency exchange, Ria is known for its international money transfer services.
  2. Exchange Rates:
    • Ria stands out for offering competitive exchange rates. You can compare their rates with other options to ensure you get the best possible exchange.
  3. Physical Offices in Spain:
    • Ria has a physical presence through its offices in Spain. You can visit one of their locations if you prefer to conduct transactions in person.
  4. Home Delivery:
    • If you prefer not to travel, Ria offers the convenience of directly sending money to your home. This can be useful for those who prefer to receive foreign currency at home before traveling.
  5. Security and Reliability:
    • Ria is an established and well-known company in the financial services sector. Make sure to review Ria’s security policies and guarantees when conducting transactions.
  6. Online Platform:
    • Ria can also provide online services for currency exchange and money transfers. You can check their online platform for more details and to streamline the process.
  7. Customer Service:
    • If you have any questions or concerns, be sure to contact the Ria customer service. They can provide assistance and clarify any doubts you may have.

Always remember to check fees, commissions, and terms before making any transactions. Additionally, it is advisable to review the reviews of other users to get an idea of the overall experience with Ria. I hope you find this information useful for your currency exchange needs!

Cambio de Divisa Dolar

Warnings:  If the ATM offers you an exchange rate when withdrawing money, never accept it; it tends to be very unfavorable. Therefore, always choose the local currency. Periodically check your card transactions through the apps. If you notice any suspicious activity, analyze it, and in case of theft, report it to the bank as soon as possible and block the card. Carry multiple cards; if you have only one and it fails, you’ll be in trouble.

Withdraw money at shopping centers or ATMs within bank branches whenever possible. Keep your phone number active; for most online payments, you’ll need to receive an SMS to confirm the transaction. Remember that receiving messages abroad is free.

Remember, life is full of wonderful experiences, so don’t let bank fees stop you! Get your commission-free travel card and embark on a world full of exciting possibilities. 

If you follow all these tips, I assure you that you’ll have plenty of euros to spend on hotels, excursions, or whatever you desire on your dream trip! I hope I’ve helped you choose the best card for traveling abroad without incurring fees.

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