Credit Cards

By Karl from The Cards Guy Traveling abroad can be an exciting adventure, but foreign transaction fees can quickly add up and eat into your budget. Fortunately, there are plenty of travel credit cards that offer the valuable perk of no foreign transaction fees. In this blog, we’ll explore the best cards for 2025 that allow you to spend internationally without worrying about additional charges. Why Choose a Card with No Foreign Transaction Fees? Foreign transaction fees are typically 1% to 3% of each purchase made abroad. This seemingly small amount can accumulate quickly, especially on big-ticket items like hotel stays, car rentals, or flights. By using a travel card that doesn’t charge these fees, you can save yourself up to 3% on every international purchase. CTA: Looking for a travel-friendly credit card? Compare the best cards with no foreign transaction fees and start saving on your next international trip! Top Travel Cards with No Foreign Transaction Fees in 2025 Here are some of the top-rated cards offering no foreign transaction fees in 2025, categorized by their strengths: Best for Travel Rewards: Chase Sapphire Preferred® Card Annual Fee: $95 Earn 2x points on travel and dining and 1x on all other purchases. This card also comes with a 75,000-point bonus after meeting the spending requirement. Plus, enjoy no foreign transaction fees and access to valuable travel perks. Capital One Venture Rewards Credit Card Annual Fee: $95 Earn 2x miles on every purchase and 75,000 miles as a sign-up bonus. It’s perfect for earning rewards on all your purchases while enjoying no foreign transaction fees. American Express® Gold Card Annual Fee: $250 Ideal for foodies, this card offers 4x points on dining and 3x points on flights booked directly or through Amex Travel. No foreign transaction fees make it an excellent choice for those who travel internationally and dine abroad. CTA: Ready to earn rewards while traveling abroad? Compare the best travel cards with no foreign transaction fees and get started today! Best for Budget Travelers: Capital One QuicksilverOne Cash Rewards Credit Card Annual Fee: $39 This card offers 1.5% cash back on every purchase and no foreign transaction fees. Ideal for travelers who want simple, flat-rate rewards without an annual fee that’s too steep. Bank of America® Travel Rewards Credit Card for Students Annual Fee: $0 Great for students traveling abroad, this card offers 1.5x points on every purchase, no annual fee, and no foreign transaction fees. Wells Fargo Autograph℠ Card Annual Fee: $0 This card earns 3x points on travel, dining, and more with no annual fee and no foreign transaction fees. CTA: On a budget? Check out these no-annual-fee credit cards with no foreign transaction fees and start earning rewards on your travels! Best for Premium Perks: Chase Sapphire Reserve® Annual Fee: $795 For the frequent flyer, this card offers 3x points on travel and dining, access to airport lounges, and $300 annual travel credit. It’s packed with luxury travel perks, and of course, it has no foreign transaction fees. The Platinum Card® from American Express Annual Fee: $695 Known for its luxury travel benefits, including 5x points on flights, lounge access, and Global Entry/TSA PreCheck® credits, this card is perfect for those who want the best of both worlds—rewarding travel and premium perks. CTA: Indulge in luxury travel perks! Explore premium credit cards with no foreign transaction fees and enjoy rewards, lounges, and more.   How to Maximize Your Travel Rewards and Save on Foreign Fees When choosing a travel card, consider: Points and Miles: Maximize rewards by using cards that offer bonus categories like dining, travel, or groceries. Annual Fee: While premium cards offer luxurious perks, be sure the rewards outweigh the high fees. Travel Benefits: Some cards offer travel protections, trip cancellation insurance, and airport lounge access. Take advantage of these when booking flights and hotels. CTA: Make the most of your rewards! Compare travel credit cards with no foreign transaction fees and find the best fit for your travel habits. FAQs About Travel Cards with No Foreign Transaction Fees What are foreign transaction fees? Foreign transaction fees are charges applied when you use your credit card abroad, usually around 3% of the purchase amount. Which card is best for international travel with no foreign transaction fees? Some of the best cards include the Chase Sapphire Preferred® Card, Capital One Venture Rewards Credit Card, and American Express® Gold Card. Are there travel cards with no foreign transaction fees and no annual fee? Yes! Cards like the Capital One QuicksilverOne Cash Rewards Credit Card and the Bank of America® Travel Rewards Credit Card for Students offer no foreign transaction fees and no annual fees. Can I use a card with no foreign transaction fees at any international merchant? Yes, but make sure your card is widely accepted. Cards from Visa and Mastercard have broad international acceptance. Are there any other travel benefits with these cards? Many of these cards offer sign-up bonuses, travel credits, airport lounge access, and trip insurance. Be sure to check the specifics of each card to maximize the benefits. CTA: Still unsure which card is right for you? Compare the best travel cards with no foreign transaction fees and start saving on your next international trip!

When it comes to the best airline credit cards of 2025, two popular contenders dominate the conversation: the Delta SkyMiles® Platinum American Express Card and the United℠ Explorer Card. Whether you’re chasing elite status, looking for free checked bags, or trying to earn miles faster, both cards offer compelling value—but each serves a different type of traveler. Let’s break down the benefits, drawbacks, and best use cases for each card to help you choose the one that matches your 2025 travel goals. Welcome Bonus: 60,000 Miles from Either Card Delta SkyMiles® Platinum: Earn 60,000 miles after spending $3,000 in the first 6 months. United Explorer: Earn 60,000 miles after spending $3,000 in the first 3 months. Verdict: While the bonuses are the same, United’s faster spending window benefits short‑term planners. Annual Fee Comparison: Budget vs. Premium Delta SkyMiles® Platinum: $350 United Explorer: $0 intro for the first year, then $150 Verdict: The United Explorer Card wins for those seeking a lower annual fee with decent perks. Delta’s higher fee is best justified if you fly Delta often and can maximize the extra benefits. Checked Bags and Boarding Perks Delta: Free first checked bag for you + up to 8 companions; Zone 5 priority boarding United: Free checked bag for you + 1 companion; Group 2 boarding Verdict: Delta wins for families and larger groups. If you travel solo or with one partner, both cards are effective—but Delta offers more value to group travelers. Companion Certificate vs. Lounge Access Delta SkyMiles® Platinum: Annual companion certificate for main cabin domestic flights United Explorer: Two United Club lounge passes per year Verdict: This depends on your travel style: If you often fly with another person, Delta’s companion pass may be more valuable. For airport comfort, United’s lounge passes offer a great perk. Travel Perks: TSA PreCheck, In-Flight Discounts, and More Both cards offer a $100 credit for Global Entry or TSA PreCheck. Delta: 20% off in‑flight purchases United: 25% off in‑flight purchases Verdict: United offers a stronger in‑flight savings while matching the Delta card’s security credit. Rewards Earning Potential in 2025 Delta SkyMiles® Platinum: 3× miles on Delta purchases and hotels; 2× on restaurants and U.S. supermarkets; 1× elsewhere. United Explorer: 2× on United purchases, dining, and hotels; 1× elsewhere. Verdict: Delta wins for everyday spend bonus categories—perfect for frequent restaurant and grocery spenders. Airline Networks: SkyTeam vs. Star Alliance Delta is part of SkyTeam (19 airlines, ~1,050 destinations). United belongs to Star Alliance, the world’s largest network (26 airlines, 1,200+ airports). Verdict: United offers more international coverage and partner redemption opportunities. Loyalty Programs: SkyMiles vs. MileagePlus United MileagePlus: 5–11× miles per $1 (based on status); Excursionist Perk; PQF/PQP path to status. Delta SkyMiles: 5–11× miles per $1 (Medallion status); dynamic pricing; MQD-only status model. Verdict: United gives more flexible elite status paths and easier redemption options. Lounge Access: Who Offers More? United Explorer: Two United Club passes per year Delta SkyMiles® Platinum: No lounge access without upgrading to the Reserve card Verdict: United wins for casual lounge access without a higher-priced upgrade. Best for Each Type of Traveler Delta SkyMiles® Platinum if you travel often with family/groups, want grocery and dining bonuses, and will use the companion pass or aim for Medallion status. United℠ Explorer if you prefer a lower fee, travel solo or internationally, value lounge access, or want a simpler path to elite status. Final Verdict: Which Card Wins in 2025? There’s no universal winner—only the best card for your travel habits. Delta SkyMiles® Platinum excels for group travel and everyday spend rewards, while United Explorer edges ahead for international access, affordable perks, and elite status opportunities. Frequently Asked Questions (FAQ) What is the best airline credit card for international travel in 2025? The United℠ Explorer Card may be the better pick due to its Star Alliance membership and global reach. Is the Delta SkyMiles® Platinum Card worth the $350 annual fee? Yes—if you regularly fly Delta, use the companion certificate, and make use of its everyday spending bonuses. Do both cards offer TSA PreCheck/Global Entry credits? Yes. Each card includes up to $100 in reimbursement every 4–5 years for TSA PreCheck or Global Entry. Which card offers better mile-earning potential? Delta offers broader bonus categories (3× on Delta/hotels, 2× on dining/groceries), so frequent spenders in those areas will earn miles faster. Can I get lounge access with either card? Only the United Explorer includes two United Club passes annually. Delta’s card requires upgrading to the Reserve tier for lounge benefits. Which card is better for status? United’s mix of PQPs and PQFs makes elite status easier to earn. Delta relies on MQDs, which may require higher spending unless upgraded. Need Help Choosing the Right Airline Credit Card? Not sure which card fits your travel style or financial goals? That’s where The Cards Guy comes in. Get customized, no-pressure recommendations based on your travel habits and lifestyle. Reach out here for a free card match! Fly smarter. Earn faster. Save more—with The Cards Guy on your side.  

Traveling as a family is an unforgettable experience—but the extra costs can pile up quickly. With checked bag fees averaging $35–$40 per person each way, a family of four can spend nearly $300 round-trip just on luggage. Fortunately, several travel credit cards now offer free checked bags for both the cardholder and companions, making family travel more affordable and less stressful. Here are the top 5 family-friendly travel credit cards of 2025 that help you avoid baggage fees and unlock valuable travel perks. 1. Delta SkyMiles® Gold American Express Card Best for: Families who fly Delta often Free checked bag: For you and up to 8 companions Welcome bonus: 50,000 miles after spending $2,000 in 6 months Annual fee: $0 intro for the first year, then $150 Perks: Zone 5 priority boarding 20% off in-flight purchases 15% off Delta award bookings (using SkyMiles) No foreign transaction fees ✅ Why it’s great for families: Covers up to 9 travelers—perfect for large families or multi-generational trips. 📌 Note: Your SkyMiles number must be attached to your reservation to receive the checked bag benefit. 2. Southwest Rapid Rewards® Priority Credit Card Best for: Domestic family travel with no surprises Free checked bag: 2 free bags per person (Southwest policy) Welcome bonus: 75,000 points after qualifying spend Annual fee: $229 Perks: $75 annual Southwest travel credit 4 upgraded boardings per year 7,500 points every card anniversary Helps earn Companion Pass® ✅ Why it’s great for families: Bags-fly-free policy applies to everyone on your itinerary. 🚨 Update: Southwest will begin charging for bags on bookings made after May 28, 2025. This card will protect your perks. 3. United℠ Explorer Card Best for: United loyalists with 1–2 travel companions Free checked bag: For you and 1 companion Welcome bonus: 60,000 miles after $3,000 spend in 3 months Annual fee: $0 intro for the first year, then $150 Perks: 2 United Club passes annually Priority boarding Global Entry/TSA PreCheck credit 25% back on in-flight purchases ✅ Why it’s great for families: Useful for couples or smaller families. Lounge access adds comfort. 📌 Tip: You must use the card to book the flight and attach your MileagePlus number. 4. Citi® / AAdvantage® Executive World Elite Mastercard® Best for: Large families flying American Airlines Free checked bag: For you and up to 8 companions Welcome bonus: 100,000 miles after $10,000 in 3 months Annual fee: $595 Perks: Admirals Club® access Priority check-in, security, and boarding $100 Global Entry/TSA PreCheck credit 10,000 Loyalty Points boost annually ✅ Why it’s great for families: Ideal for large families or frequent AA travelers who want top-tier perks. 5. Alaska Airlines Visa Signature® Credit Card Best for: West Coast families and Hawaii travelers Free checked bag: For you and up to 6 companions Welcome bonus: 70,000 miles + Companion Fare after $3,000 in 3 months Annual fee: $95 Perks: Famous Alaska Companion Fare 3x on Alaska purchases Discounts on inflight purchases and Wi-Fi ✅ Why it’s great for families: Strong value with wide coverage and companion savings. 📌 Note: You must use your Alaska card to purchase the ticket to qualify. Frequently Asked Questions (FAQ) Do I need to use the credit card to book the flight to get free checked bags? Yes—for some airlines, you must use the card to book the ticket. Others only require a linked loyalty number. Can I get free bags on award flights? Yes, typically. If you use the card to pay taxes and fees, benefits still apply. Will this benefit apply to international travel? Often yes, but check your airline’s terms for international or codeshare limitations. Does this stack with elite status or business class? No. These benefits don’t stack with those already included in your fare or elite status. Which card offers the best free bag benefit for families? Delta and Southwest stand out. Both cover up to 8 companions, perfect for large groups. Still Not Sure Which Travel Card Fits Your Family? The Cards Guy offers free, personalized guidance to help you find the best credit card based on your travel habits, family size, and budget. 👉 Contact us here for a custom recommendation or take our 1-minute quiz. Travel smart. Pack free. Save big—with The Cards Guy on your side.

When it comes to using your hard-earned points for flights, you want to ensure you’re getting the maximum value. By following these expert tips, you can stretch your points further and book flights that might otherwise be out of your budget. Here’s how to redeem your points for flights with the highest return on value. Transfer Points to Airline Partners for Higher Redemption Value One of the most powerful strategies to maximize the value of your points is transferring them to airline partners. Airline partnerships often provide better value than booking through the credit card travel portal. Many programs allow 1:1 point transfers, which means each point you transfer equals one point in the airline’s frequent flyer program. Example: Chase Ultimate Rewards points can be transferred to airlines like United Airlines, Singapore Airlines, or Hyatt. American Express Membership Rewards can be transferred to airlines like Delta Air Lines, ANA, or British Airways. Tip: Always check for transfer bonuses, as airlines occasionally offer promotions where you can get more miles for the same number of points.   Book Premium Cabin Flights for Maximum Value Premium cabin flights (business or first class) generally offer the best redemption value for your points. The value of points used for premium cabins is often significantly higher than for economy flights, especially on long-haul international routes. Example: A business class flight to Europe could cost you thousands of dollars in cash, but you might be able to book it with points for a fraction of that amount. Tip: When booking international flights, especially in premium cabins, try flying on off-peak days or during seasonal sales to save even more points. Be Flexible with Travel Dates and Destinations Flexibility is key to getting the most value out of your points. If your travel dates and destinations are flexible, you can often find better redemptions. Tip: Travel off-season: Flights during off-peak periods typically cost fewer points. Alternative airports: Consider flying into nearby airports to find cheaper flights, both in terms of miles and cash. Combine Points with Cash for Better Flexibility Some programs allow you to combine points and cash to pay for a flight. This can be useful if you don’t have enough points to cover the entire cost or if you want to save a few points while reducing the out-of-pocket expense. Tip: Always check if partial redemptions are available for flights that may not be 100% covered by your points. Know How to Calculate Point Value in Cents Per Point To determine if you’re getting good value from your points, calculate the cents per point. This will help you figure out whether a redemption is worth it. Example: If a flight costs 50,000 points and is valued at $500, that’s 1 cent per point. A 2 cents per point redemption is generally considered a good value. Leverage Airline Alliances for More Options Airline alliances like Star Alliance, SkyTeam, and Oneworld allow you to use miles from one airline to book flights on a partner airline, greatly expanding your options. Example: If you have United Airlines miles (part of Star Alliance), you can use those miles to book flights on Singapore Airlines, Lufthansa, and other partner airlines. Use Award Travel Booking Tools and Resources Several tools and websites can help you find the best value for your points. Tools like AwardWallet, Point.me, and ExpertFlyer track award seat availability and help you find points transfers, bonuses, and special offers. Tip: Use these tools regularly to monitor your options and stay ahead of point devaluation or upcoming promotions. Consider Booking Round-Trip or Multi-City Flights In some cases, booking round-trip or multi-city flights may offer better redemption value than one-way tickets. Additionally, booking longer flights or multi-leg journeys can yield better value for points. Tip: When booking international flights, especially multi-leg trips, consider how many stops you can fit into your itinerary without increasing the points cost significantly. Monitor Your Points Expiry Some programs have expiry dates for points, meaning your miles may expire after a period of inactivity. It’s crucial to stay on top of expiration dates to avoid losing your hard-earned points. Tip: Set reminders for yourself or check your loyalty account frequently to keep your points from expiring. Conclusion: Redeem Points Like a Pro By following these strategies, you can unlock the true value of your points and book flights that offer incredible savings. Whether you’re looking to book premium cabins, travel during off-peak times, or transfer points to airline partners, the possibilities are endless. Get the most out of your rewards and start booking your dream flights today.

Booking flights and hotels with your credit card might feel routine—but it could also be your secret weapon for saving thousands during travel hiccups. From trip delays and lost luggage to emergency medical coverage abroad, the travel insurance benefits baked into your credit card can offer serious peace of mind—if you know how to use them. This guide breaks down the most common types of credit card travel insurance, how they work, and how to maximize your coverage like a pro. What Types of Travel Insurance Do Credit Cards Offer? Most premium and travel-focused credit cards offer built-in insurance when you use the card to pay for eligible travel. Here’s a quick breakdown: 1. Trip Cancellation & Interruption Insurance Reimburses you if your trip is canceled or cut short due to illness, injury, severe weather, or other covered events. Example: Chase Sapphire Preferred® and Reserve® offer up to $10,000 per person, per trip. Pro Tip: Save documentation—doctor’s notes, airline notifications, etc.—for a successful claim. 2. Trip Delay Reimbursement Covers expenses like meals, hotels, and toiletries if your flight is delayed by a set number of hours. Typical coverage: Up to $500 per ticket after a delay of 6–12 hours, depending on the card. Cards with this perk: Chase Sapphire Reserve®, Capital One Venture X®, Amex Platinum (with enrollment). 3. Lost or Delayed Baggage Coverage Reimburses you for lost or delayed bags—often up to $3,000 in coverage. Use Case: If your luggage arrives two days late and you need to buy clothes or toiletries, you may be reimbursed. 4. Rental Car Insurance (CDW/LDW) Covers theft or damage to your rental car. Many cards offer primary coverage, which means you don’t have to file with your auto insurance first. Best cards for this: Chase Sapphire Reserve®, Chase Sapphire Preferred®, Capital One Venture® cards. 5. Emergency Medical & Evacuation Some premium cards cover medical expenses or evacuations abroad—a major bonus if your health insurance doesn’t cover you overseas. Example: Amex Platinum and Business Platinum offer up to $250,000 in emergency evacuation benefits (enrollment required). Note: Coverage varies greatly—many cards don’t offer this at all. How to Actually Use Your Travel Insurance Benefit Most travelers have no idea what their card covers—until it’s too late. Here’s how to be proactive: ✅ Step 1: Use the Right Card for Booking You typically must pay for the full cost of your trip (or taxes/fees on award tickets) with the card offering coverage. Example: Booking with points? You still need to pay the taxes/fees with the card to qualify. ✅ Step 2: Register or Enroll (If Needed) Some cards, especially Amex, require enrollment in travel insurance or trip delay coverage before departure. ✅ Step 3: Keep Documentation Always save receipts, boarding passes, cancellation notices, doctor’s letters, and police reports (for theft). Most issuers have strict documentation requirements for claims. ✅ Step 4: File Claims Promptly Each issuer has a deadline—typically 20–90 days—after the incident to submit a claim. Pro Tips to Maximize Your Credit Card Travel Insurance 📱 Screenshot your coverage benefits before the trip. 📞 Call your card issuer before filing to understand exactly what’s covered. 📝 Compare benefits before booking—some cards are better for flights, others for car rentals or medical. ✈️ Split bookings smartly: Use the card with the best benefit for flights, and another for hotel if needed. Best Travel Credit Cards With Strong Insurance Coverage Card Name Top Travel Insurance Perks Annual Fee Chase Sapphire Reserve® Trip delay, trip cancellation, rental car CDW, baggage, medical $550 Chase Sapphire Preferred® Strong core coverage (cancellation, delay, baggage) $95 Capital One Venture X® Trip delay, rental car coverage, purchase protection $395 The Platinum Card® from Amex Trip delay (with enrollment), evacuation, purchase protection $695 U.S. Bank Altitude Reserve® Trip delay, baggage, CDW rental, mobile phone protection $400 FAQ: Travel Insurance & Credit Cards Do I have to book the full trip with the card to get coverage? Usually, yes. Some cards allow partial coverage if taxes/fees are paid with the card. Can I get reimbursed for delays due to weather or strikes? Yes—most trip delay and cancellation policies cover weather, airline strikes, and mechanical issues. Does my card cover travel insurance internationally? Most premium cards offer global coverage, but always double-check your specific benefits guide. What if I booked using points or miles? If you used your card to pay taxes and fees, many cards still offer full coverage. Can I use two cards for different parts of the trip? Yes! Just know which card covers what—and make sure to use it for that specific part (e.g., flights vs. hotels). Need Help Choosing the Right Travel Card for Your Lifestyle? Not all credit card insurance is created equal—and choosing the wrong one could leave you stranded without coverage. That’s where The Cards Guy steps in. 🎯 Want personalized guidance based on how you travel? 👉 Reach out here and get matched with the right credit card for your needs—free of charge. Protect your trip. Save your wallet. Travel smarter with The Cards Guy.