Traveling is one of the most enriching experiences we can have. To make these journeys even more enjoyable and economical, choosing the right credit card is essential. Whether you live in the United States or Spain, there are card options that offer significant advantages for travelers.

In this article, take a look at the best alternatives available in both countries, considering factors such as fees, rewards and additional benefits.

Best Credit Cards for Travel in the United States

US residents have access to a wide variety of travel-oriented credit cards. Below, we highlight some of the best options:

1. Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® is widely recognized for its generous rewards and flexibility in redeeming points. Cardholders earn 2 points per dollar spent on travel and dining at restaurants, and 1 point per dollar on other purchases. In addition, when redeeming points through the Chase Ultimate Rewards portal, each point is worth 25% more. The card also offers an attractive sign-up bonus after reaching a minimum spend in the first few months. The annual fee is $95, but the benefits can easily outweigh this cost for frequent travelers.

2. Capital One Venture Rewards Credit Card

This card is ideal for those looking for simple rewards. Users earn 2 miles per dollar on all purchases, with no specific categories. Miles can be used to cover virtually any travel expense, from airline tickets to hotel stays. The card offers a credit of up to $100 for enrollment in TSA PreCheck or Global Entry, making it easier to pass through airport security. The annual fee is $95.

3. American Express Gold Card

For foodies and travel lovers, the American Express Gold Card is an excellent choice. It offers 4 points per dollar spent in restaurants and supermarkets in the USA (up to $25,000 in annual purchases), 3 points per dollar on airline tickets booked directly with the companies or through Amex Travel, and 1 point per dollar on other purchases. Although the annual fee is $250, the annual credits on restaurants and travel can offset this amount for many users.

Best Credit Cards for Travel in Spain

In Spain, travel-focused credit cards are becoming increasingly popular. Here are some of the main options available to Spanish residents:

1. WiZink Plus Credit Card

WiZink offers an annual fee-free credit card that is attractive to travelers. With the Tarjeta WiZink Plus, users accumulate 3% of cashback on online purchases and 0.5% on other purchases. In addition, the card has no commissions for purchases abroad, making it ideal for international use. Cardholders also have access to exclusive promotions and discounts at selected partners.

2. Bankinter Single Credit Card

Bankinter offers the Tarjeta Única, which allows you to accumulate up to 3% of cashback on purchases, depending on your monthly spending volume. The card also offers comprehensive travel insurance, including cover for flight delays and lost luggage. Although there is an annual fee, the benefits can justify the cost for frequent travelers.

3. Iberia Icon Credit Card

For those who frequently fly with Iberia, the Tarjeta Iberia Icon, issued by Banco Santander, is an option to consider. Users earn Avios (Iberia loyalty program points) on all purchases, with additional bonuses for spending on Iberia tickets. The card also offers benefits such as priority boarding and discounts on car rental. The annual fee is €90, but can be offset by the benefits offered.

Factors to Consider When Choosing a Credit Card for Travel

When selecting the ideal credit card for your travels, it is important to evaluate the following aspects:

1. foreign transaction fees

Some cards charge an additional fee for purchases made outside the country of issue. Opting for cards that waive this fee can result in significant savings.

2. Rewards program

Analyze how points or miles are accumulated and redeemed. Some cards offer more points for specific categories, such as travel or restaurants, while others offer a fixed accumulation rate.

3. Additional benefits

Many cards offer extra advantages, such as travel insurance, access to VIP lounges at airports, credits for enrollment in airport security programs and much more. Evaluate which of these benefits are most relevant to your needs.

4. Annual fee

Consider the annual cost of the card in relation to the benefits offered. In some cases, the annual fee can easily be offset by the advantages and rewards you accumulate.

Tips for Maximizing the Benefits of Your Credit Card When Traveling

To get the most out of your credit card while traveling, consider the following strategies:

1. Use the Card for Everyday Expenses

By using your credit card for everyday expenses, you can accumulate points or miles more quickly. Just make sure you pay off the balance in full each month to avoid interest.

2. Take advantage of the sign-up bonuses

Many cards offer significant bonuses for new cardholders who reach a certain volume of spending in the first few months. Plan large purchases or expenses for this initial period to ensure you meet the requirements.

3. Be aware of offers and promotions

Keep an eye out for special offers that can increase your rewards or offer additional discounts on specific partners.

See also: Is traveling to Portugal expensive?

February 12, 2025