The Best Credit Cards for International Travel in 2025
Traveling internationally is an exciting experience, but it can also come with challenges like foreign transaction fees, currency conversion costs, and access to perks that make the journey smoother. The right credit card can transform your travel experience by offering rewards, protections, and premium benefits. Here’s a roundup of the best credit cards for international travel in 2025.
1. The Platinum Card® from American Express
The Amex Platinum is a powerhouse for international travelers, offering luxury benefits and unparalleled access.
Key Benefits:
5X points on flights booked directly with airlines or through Amex Travel.
Complimentary access to Centurion Lounges, Priority Pass lounges, and Delta Sky Clubs (when flying Delta).
$200 annual airline fee credit and $189 CLEAR credit.
No foreign transaction fees.
Comprehensive travel insurance and purchase protections.
Why It’s Great:
With premium perks like hotel status upgrades (Hilton Honors Gold and Marriott Bonvoy Gold Elite), the card is perfect for travelers seeking luxury.
Pro tip: Use your points to book international flights through the Amex Membership Rewards portal or transfer to airline partners like ANA, British Airways, or Singapore Airlines.
2. Chase Sapphire Reserve®
The Chase Sapphire Reserve is a top choice for international travelers who value flexibility and robust travel protections.
Key Benefits:
3X points on travel and dining.
$300 annual travel credit.
Priority Pass lounge access.
No foreign transaction fees.
Excellent travel insurance, including trip delay and interruption coverage.
Why It’s Great:
Chase Ultimate Rewards points can be transferred to partners like Hyatt, United Airlines, and Air Canada Aeroplan for incredible value.
Pro tip: Pair this card with the Chase Freedom Unlimited® for 1.5X points on everyday purchases to maximize your rewards.
3. Capital One Venture X Rewards Credit Card
Capital One’s Venture X combines premium travel perks with straightforward earning potential, making it ideal for frequent flyers.
Key Benefits:
10X miles on hotels and rental cars booked through Capital One Travel.
5X miles on flights booked through Capital One Travel.
2X miles on all other purchases.
$300 annual travel credit for bookings through Capital One Travel.
Priority Pass lounge access and two free guest entries per visit.
Why It’s Great:
Venture Miles can be transferred to international airline partners like Emirates, Etihad, and British Airways.
Pro tip: Use the annual 10,000-mile anniversary bonus to offset the $395 annual fee.
4. Citi Premier® Card
The Citi Premier is a solid option for budget-conscious travelers who want valuable rewards without high fees.
Key Benefits:
3X points on air travel, hotels, and dining.
3X points at supermarkets and gas stations.
No foreign transaction fees.
Access to Citi’s extensive airline and hotel transfer partners.
Why It’s Great:
Citi ThankYou points are transferable to international partners like Turkish Airlines, Qatar Airways, and Avianca.
Pro tip: Leverage Turkish Airlines Miles & Smiles for unbeatable value on international redemptions.
5. Discover it® Miles
For travelers seeking simplicity, the Discover it Miles card offers straightforward rewards with no annual fee.
Key Benefits:
1.5X miles on all purchases.
No foreign transaction fees.
Miles can be redeemed as a statement credit for travel purchases.
Discover matches all miles earned in your first year.
Why It’s Great:
No annual fee and no hidden costs make it ideal for occasional international travelers.
Pro tip: Use this card for smaller international expenses, as its acceptance rate abroad may vary.
6. United Club™ Infinite Card
For loyal United Airlines travelers, this card provides exclusive perks and enhanced rewards.
Key Benefits:
4X miles on United purchases.
United Club membership, granting access to lounges worldwide.
Free first and second checked bags for the cardholder and one companion.
No foreign transaction fees.
Why It’s Great:
Ideal for travelers frequently flying international routes on United or Star Alliance partners.
Pro tip: Use your miles for long-haul business class redemptions on Star Alliance carriers like Lufthansa or ANA.
7. Hilton Honors American Express Surpass® Card
For hotel enthusiasts, the Hilton Honors Surpass Card offers exceptional value at an affordable annual fee.
Key Benefits:
12X points on Hilton purchases.
Complimentary Hilton Honors Gold status.
10 free Priority Pass lounge visits annually.
No foreign transaction fees.
Why It’s Great:
Hilton Gold status includes free breakfast and room upgrades, perfect for international stays.
Pro tip: Use your points to book high-value Hilton properties like the Waldorf Astoria Amsterdam or Conrad Tokyo.
How to Choose the Right Card for You
When selecting a credit card for international travel, consider these factors:
Travel Habits: Are you loyal to specific airlines or hotel chains, or do you prefer flexibility?
Spending Categories: Choose a card that rewards your spending habits, such as dining, flights, or hotels.
Perks vs. Fees: Ensure the benefits outweigh the annual fee based on your travel frequency.
Redemption Options: Look for transferable points and miles for maximum value.
Conclusion: Travel Smarter in 2025
The right credit card can elevate your international travel experience, from lounge access to valuable rewards and comprehensive protections. Whether you’re seeking luxury perks or no-frills simplicity, these cards offer options to fit every traveler’s needs.
What’s your favorite travel credit card? Share your recommendations in the comments, or tag us in your travel photos on Instagram at @roaming.cactus. Let’s keep discovering the world, one swipe at a time!
