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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.

EASY CHOICE
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

BEST FOR MAXIMIZERS
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

Advertiser Disclosure

The purpose of this disclosure is to explain how we make money without charging you for our content.

Our mission is to help people at any stage of life make smart financial decisions through research, reporting, reviews, recommendations, and tools.

Earning your trust is essential to our success, and we believe transparency is critical to creating that trust. To that end, you should know that many or all of the companies featured here are partners who advertise with us.

Our content is free because our partners pay us a referral fee if you click on links or call any of the phone numbers on our site. If you choose to interact with the content on our site, we will likely receive compensation. If you don't, we will not be compensated. Ultimately the choice is yours.

Opinions are our own and our editors and staff writers are instructed to maintain editorial integrity, but compensation along with in-depth research will determine where, how, and in what order they appear on the page.

To find out more about our editorial process and how we make money, click here.

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