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By amondalek
September 19, 2016

Free foreign transactions are table stakes here, but annual fees can be high. Your choice likely comes down to how you want your rewards: dollars back, flights, or hotel nights.

“Easy choice” cards are great for people who want a no-hassle option and no annual fees. Cards that are “best for maximizers” are for those who aren’t afraid to carry a few different cards to pump up their rewards.

BankAmericard Travel Rewards

This is the best choice for overseas travelers on a budget, thanks to no foreign-transaction fees and no annual fee. Full profile

BEST FOR frequent fliers
Barclaycard Arrival Plus World Elite

If you’re looking for a no-hassle card but you spend plenty on travel, the Barclaycard could fit right into your wallet. Full profile

NOTES: Assumes $2,000 a month spending, including $500 on travel and restaurants, and roundtrip ticket price of $600. Chase purchases made through Ultimate Rewards portal. Factors in annual fees but not foreign-transaction fees. SOURCE: Money calculations

Chase Sapphire Preferred

Enjoy the industry’s most generous sign-up bonus and flexible rewards, but watch out for the APR. Full profile

Best for hotel points
Starwood Preferred Guest from American Express

Frequently staying at Starwood hotels means racking up valuable points while using this card. Full profile

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