Travel · Card comparison
The best travel cards, ranked by true cost.
Your bank charges 3–5% on every overseas transaction. These cards charge nothing. Ranked by forex fee, ATM cost, and real-world value — not marketing claims.
Top picks
Charles Schwab Investor Checking
Unlimited ATM fee rebates worldwide — the gold standard for American travellers.
Wise Card
Mid-market rate with transparent fees — one of the lowest true costs for spending abroad.
Chase UK Card
1% cashback on all spending including abroad, zero forex fees, and free ATM withdrawals — plus 1% on international spending.
UK
Mid-market rate with transparent fees — one of the lowest true costs for spending abroad.
1% cashback on all spending including abroad, zero forex fees, and free ATM withdrawals — plus 1% on international spending.
A full UK bank account with zero fees on spending and ATM withdrawals anywhere in the world.
Interbank rates on weekdays, multi-currency account, and generous ATM allowances on paid plans.
UK digital bank with no foreign transaction fees — ATM use limited to £200/month on the free plan.
Classic UK travel credit card — no forex fees, no ATM fees abroad, and builds credit history.
Business-focused multi-currency card with interbank rates — best for companies and freelancers spending internationally.
HSBC's new standalone travel app and card — zero forex fees with the backing of a global bank.
UK travel debit card that links directly to your existing bank account — no new account needed.
Dutch digital bank with excellent international rates and eco-friendly features.
Premium UK credit card with no forex fees — but Amex acceptance abroad is limited.
UK prepaid travel card with competitive rates and no surprise fees on spending abroad.
Prepaid multi-currency travel card from the world's largest retail foreign exchange brand.
USA
Unlimited ATM fee rebates worldwide — the gold standard for American travellers.
Mid-market rate with transparent fees — one of the lowest true costs for spending abroad.
Same mid-market rate Wise card — the best option for American travellers who want multi-currency flexibility.
Interbank rates on weekdays, multi-currency account, and generous ATM allowances on paid plans.
Business-focused multi-currency card with interbank rates — best for companies and freelancers spending internationally.
European digital bank with zero forex fees — available across EEA, US and Brazil.
No foreign transaction fees on a mainstream US bank account — simpler alternative to Schwab.
India
Zero forex markup card for Indian travellers — spend in 150+ countries at real exchange rates.
Zero forex markup credit card for Indian travellers — no annual fee, reward points on travel spends.
Pay in thirds over 3 months at no extra cost — innovative buy-now-pay-later credit card for Indian consumers.
India's leading bank forex card — locks in exchange rates across 23 currencies for international travel.
Multi-currency prepaid card from ICICI — convenient for ICICI customers, but expensive vs zero-fee alternatives.
SBI's multi-currency prepaid forex card — widespread availability but high forex fees.
Australia
Mid-market rate with transparent fees — one of the lowest true costs for spending abroad.
Best travel debit card for Australians — zero forex fees and free ATM withdrawals globally.
Interbank rates on weekdays, multi-currency account, and generous ATM allowances on paid plans.
Australian bank account with fee rebates on international ATM withdrawals when monthly criteria are met.
Business-focused multi-currency card with interbank rates — best for companies and freelancers spending internationally.
Prepaid multi-currency travel card from the world's largest retail foreign exchange brand.
EU/EEA
Mid-market rate with transparent fees — one of the lowest true costs for spending abroad.
Interbank rates on weekdays, multi-currency account, and generous ATM allowances on paid plans.
Business-focused multi-currency card with interbank rates — best for companies and freelancers spending internationally.
European digital bank with zero forex fees — available across EEA, US and Brazil.
HSBC's new standalone travel app and card — zero forex fees with the backing of a global bank.
Dutch digital bank with excellent international rates and eco-friendly features.