Best Credit Cards For International Travel

If you are planning a trip overseas, you are going to need at least one (and preferably two) Visa cards or MasterCards. The reason it is crucial to have MasterCard or Visa cards when you travel internationally is that, unlike Discover and American Express, these cards are accepted just about everywhere credit cards can be used. Unfortunately, not all MasterCard and Visa cards are created equally, and some are better for international travel than others.

A key drawback to using credit cards when you travel are foreign transaction fees. Most banks charge international fees of 2-4%, even if you use your card to book a hotel abroad from the U.S. International credit card fees can add up quickly. On a five night hotel stay, it is very easy to rack up $40 to $50 in these charges alone. If you spend $1000 while traveling, you can expect to pay yet another $40 or so.

Ultimately, the best credit cards for travel charge no international/foreign transaction fees. Unfortunately, only one major card company charges no fees. Any card from this company is likely to be the best card for travel.

Once you find a Visa or MasterCard (or one of each) that has no international fees, the next step is to get one that either offers a 0% interest rate, a low long term APR or good rewards. This shouldn’t be a problem. However, when selecting a new card, avoid tempting airline mile cards and instead look for a card that offers cash back rewards. While a travel oriented mindset may make a miles card seem appealing, cash back rewards are much more valuable, easier to use, and generally come with no fees attached.

Finding the best credit card for travel isn’t a difficult process. Because only one major card company charges no international transaction fees, there really is only one place to start and end your search for the best money saving deal.

International Travel Checklist – Be Comfy, Stay Safe

It’s always very exciting when you’re flying overseas. However, it is very hectic and confusing for some people. Many unpredictable circumstances may arise before you reach that foreign country. When it happens, you won’t even have a clue about what you should do next! Thankfully, these situations can be avoided by following some simple steps. It is important that you prepare a travel checklist in case you get caught in one of those undesirable situations.

Customs, Passports and Visas

To visit any foreign country, you need a valid passport. The problem comes with visas and work permits. You will be required to produce your visa when you enter or leave a foreign country, which is generally in the form of a stamp or notation that is attached to your passport. Make it a point to get your visa beforehand. Never leave it to be acquired later. Sometimes there are delays in procuring a visa, and you end up wasting your time and money in the middle of your travel. If you are visiting a country for official business, then you will be asked to produce a work permit.

There are serious customs regulations in a number of countries. Check in advance what items you are allowed to carry. Do not take penknives, scissors, or anything that resembles a weapon. Leave all your precious and religious jewelry at home. If you’re carrying a camera, then you might be required to have a permit for that as well in some countries. Do not buy any wildlife souvenirs. They might be illegal in your own country.

Safety

Remember to leave your planned route of travel with somebody back home. Also leave a copy of all your travel documents. Do not travel without insurance. Check the offer document carefully to see if it covers any adventurous activities that you might be involved in, such as extreme water sports. Do not discuss your itinerary with strangers. Make sure that you know the emergency helpline numbers of the country where you’re going. Also keep the contact information of your embassy in that country. When abroad, do not show off your valuable gadgets. Avoid eating and drinking at isolated places. Use packaged drinking water, if possible. Always respect the local law and be careful not to enter into quarrels with the locals.

Convenience

Inform your airline about non-tagged luggage immediately if you notice any. Keep a small guidebook, preferable the one that has some expressions in the foreign language. A small and basic first aid kit might come in handy. If you’re not taking a cell phone, make sure that you rent one.

Taking these simple measures will ensure that you will be safe and enjoy a convenient stay.