Are you planning an unforgettable European adventure? Then make sure to pack an essential item: the perfect credit card. As a modern traveller, you want to maximise the benefits of your spending and enjoy hassle-free transactions when gallivanting through picturesque European cities. To help you make the right choice, we've researched the best credit cards for European travel, offering rewards, low fees, and valuable travel perks.
Best Credit Cards For European Travel Table of Contents
What makes a great credit card for European travel?
When assessing the best credit cards for your European trip, consider the following factors:
- No foreign transaction fees: Avoid unnecessary expenses and save up to 3% on each purchase made abroad.
- Chip-and-PIN capabilities: Increase convenience and security with European-standard payment technology.
- Rewards and perks: Earn points or cashback on your purchases, benefit from travel insurance, and enjoy experiences and discounts in partner venues.
- Low annual fee: Choose a card with a low or waived annual fee to keep your costs down.
Best Credit Cards for European Travel
Based on these criteria, we've selected the top credit cards for your Euro-trip:
1. Chase Sapphire Preferred Card
An all-around favourite for travellers, this card delivers a mix of rewards and travel perks.
- No foreign transaction fees
- Earn 2x points on travel and dining, and 1x points on all other purchases
- Enjoy a sign-up bonus after meeting spending requirements
- Redeem points for travel through Chase Ultimate Rewards with a 25% bonus
- Transfer points to airline and hotel partners
- Optional chip-and-PIN feature
- Annual fee: $95
2. The Platinum Card from American Express
Designed for frequent travellers who value luxury and premium perks, the Platinum Card offers a host of benefits.
- No foreign transaction fees
- Earn 5x points on flights and hotel purchases, and 1x points on all other spending
- Generous welcome offer
- Access to airport lounges, including Priority Pass Select and Centurion lounges
- Comprehensive travel insurance and purchase protection
- Statement credits for airline fees and Global Entry or TSA Precheck
- Annual fee: $695
3. Capital One Venture Rewards Card
This straightforward rewards card provides unlimited 2x miles on all purchases, making it perfect for globetrotters.
- No foreign transaction fees
- Unlimited 2x miles on every purchase
- Sign-up bonus after meeting spending requirements
- Transfer miles to partner airlines and hotels
- TSA Precheck or Global Entry fee waiver
- Annual fee: $95
Best Credit Cards For European Travel Example:
Imagine spending ten days hopping between iconic Parisian cafés, retracing the steps of ancient civilizations in Rome, and sipping sangria under Barcelona's sunny skies. To cover expenses such as hotel stays, meals, subway tickets, and entrance fees, you decide to use your Chase Sapphire Preferred Card. After making $4,000 worth of purchases in the first three months, you earn a 100,000-point sign-up bonus (worth $1,250 in travel through Ultimate Rewards) and 2x points for all travel and dining expenses. Not only did you save on foreign transaction fees, but you also gained rewards to help cover your next adventure.
Exploring Europe has never been more rewarding or convenient than with the right credit card in hand. With the best credit cards for European travel, you'll enjoy low fees, valuable rewards, and handy perks. Now, all that remains is to book your flights and start dreaming of your next grand escapade. Enjoyed this article? Don't keep it to yourself! Share our guide on the best credit cards for European travellers, and explore more about personal finance and investment tips at Flik Eco.
