Best credit cards for Lyft

Only a decade ago, people called a taxi company when they needed a ride. The same act is now as simple as hitting a few buttons on your smartphone.

Ride-share companies like Lyft make getting a ride to almost anywhere a breeze, and the service may cost a lot less than you think.

If you charge your Lyft rides to a credit card that doles out points or miles, that’s even better. In this guide, we’ll go over the absolute best credit cards to use when you ride with Lyft as well as other ways to maximize your ride-share dollars.

See related: Everything you need to know about maximizing rewards on ride-shares

Chase Sapphire Reserve®: Best for Lyft discounts

  • Chase Sapphire Preferred® Card: Best for extra value at a lower fee
  • American Express® Green Card: Best for budget-minded travelers
  • Wells Fargo Propel American Express® card: Best no annual fee card for ride shares
  • Best credit cards to earn rewards with Lyft

    There are a handful of credit cards that can help you earn rewards each time you ride with Lyft. Here are your best options:

    See related: Best cards for Uber, UberEATS

    Chase Sapphire Reserve®: Best for Lyft discounts

    In January 2020, the Chase Sapphire Reserve began to offer a one-year complimentary Lyft Pink membership. For a $19.99 monthly fee, Lyft Pink offers passengers 15% off all car rides, in addition to priority airport pickups, special discounts and more flexibility in cancellations, among other benefits. The Reserve is also offering 10 points per dollar on Lyft purchases through March 2022.

    Besides these perks, the card comes with a 3-point-per-dollar rate on restaurants and travel, including Lyft, after the $300 annual travel credit. Speaking of the credit, it applies to most travel purchases, including rides with Lyft.

    The Chase Sapphire Reserve card is one of the best travel credit cards on the market, but it also comes with a rather high price – the card charges an annual fee of $550. If you don’t travel often enough to justify the fee, you might want to look into cards that have a lower annual fee or none at all.

    Here are more details:

    • One-year complimentary Lyft Pink membership (a $199 value)
    • 10 points per dollar on Lyft purchases through March 2022
    • 3 points per dollar spent on restaurants and travel,
    • $300 annual credit travel that applies to most travel purchases, including rides with Lyft
    • 50,000-point sign-up bonus if you spend $4,000 in first three months
    • Redeem points through the Chase Ultimate Rewards portal, and get 50% more travel for free
    • Transfer points to airline and hotel partners at a 1:1 ratio
    • Up to $100 Global Entry/TSA Precheck credit every four years
    • Priority Pass Select membership
    • $550 annual fee

    exciting new benefits for its World and World Elite credit card members. This includes a $10 Lyft credit for World Elite cardholders, which will be automatically applied to your next ride after you take five Lyft rides within a calendar month. The most popular World Elite Mastercards include the Capital One® Savor® Cash Rewards Credit Card*, the Citi Prestige® Card and the Barclaycard Arrival Plus World Elite Mastercard.

    Chase Sapphire Preferred® Card: Best for extra value at a lower annual fee

    Similar to the Chase Sapphire Reserve, the Chase Sapphire Preferred rewards cardholders for eating out (or ordering takeout) and traveling and offers 5 points per dollar on Lyft through March 2022. The base rewards rate is lower at 2 points per dollar on dining and travel and 1 point per dollar on other purchases, but the annual fee is also lower at $95.

    If you’re not ready to shell out $550 per year that the Reserve charges, the Preferred can be a better alternative. Plus, it offers a higher sign-up bonus than the Reserve – you’ll get 60,000 points after you spend $4,000 in the first three months (compare with a 50,000-point sign-up bonus if you spend $4,000 in first three months on the Reserve).

    Take a look at the card details:

    • 5 points per dollar on Lyft through March 2022
    • 2 points per dollar spent on dining and travel
    • 60,000-point sign-up bonus if you spend $4,000 in first three months
    • Redeem points through the Chase Ultimate Rewards portal, and get 25% more travel for free
    • Transfer points to airline and hotel partners at a 1:1 ratio
    • $95 annual fee

    American Express® Green Card: Best for budget-minded travelers

    Another credit card that offers rewards for travel and transit (including ride-shares such as Lyft) is the American Express Green Card. While it doesn’t offer the luxury travel perks other Amex cards are known for, it can be a good choice for budget-minded travelers. With this card, you can get 3 points per dollar on dining, travel and transit, and 1 point per dollar on everything else. The Amex Green also comes with perks such as up to $100 in annual statement credits for LoungeBuddy purchases and up to $100 per year for CLEAR membership.

    complimentary Uber Eats Pass membership for up to 12 months if you enroll by Dec. 31, 2021.

    Here’s what the card offers at a glance:

    Wells Fargo Propel American Express® card: Best no annual fee card for ride shares

    If you’re looking for a credit card that would earn you rewards on Lyft rides and not charge an annual fee, the Wells Fargo Propel American Express is definitely an option worth looking into.

    The card earns 3 points per dollar in numerous categories, including dining out, gas stations, transit, flights, hotels, homestays, car rentals and select streaming services – and ride-shares. All other purchases earn 1 point per dollar. You can choose to redeem your rewards for flights through Go Far Rewards or statement credits.

    Here’s a closer look:

    More ways to maximize rewards (and save money) when you pay for ride-sharing services

    While using the right credit card can help you score more rewards each time you ride with Lyft, there are other ways to make the most of your ride-share spending. Here are some tips that can help you maximize each dollar you spend, save money and even earn airline miles:

    Bottom line

    To find the best cards for Lyft to share with you, we’ve compared all cards that offer benefits and perks related to ride-sharing and Lyft specifically. These cards can help you maximize your potential earnings and savings on Lyft rides, and if you use Lyft frequently, one of these products can be a great addition to your wallet.

    *All information about the Capital One Savor Cash Rewards Credit Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. Capital One Savor Credit Card is no longer available through CreditCards.com.

    Source: creditcards.com

    Airline, hotel loyalty programs extending perks for members through coronavirus

    While COVID-19 has affected all parts of daily life, the travel industry has certainly been put on hold as people have had to cancel plans and stay at home. Since most travelers plan many months in advance, this also leaves many holding tickets they can no longer use. Frequent flyers and hotel loyalty members are left wondering what recourse they have, if any, when it comes to their member status and points or miles.

    We researched the major players in the hotel and airline industry to find out how these companies plan to accommodate their valued members – by extending points, status levels and more – in the wake of the coronavirus pandemic.

    Coronavirus relief measures by loyalty or travel program

    • Hilton Honors
    • Marriott Bonvoy
    • IHG Rewards Club
    • World of Hyatt
    • Wyndham Rewards
    • Choice Privileges
    • United MileagePlus
    • Delta SkyMiles
    • American Airlines AAdvantage
    • JetBlue TrueBlue
    • Southwest Rapid Rewards
    • Virgin Atlantic
    • British Airways
    • CLEAR
    • TSA Precheck
    • Global Entry

    Hilton Honors

    In addition to donating up to one million rooms to medical professionals, Hilton has promised to compensate its Hilton Honors loyalty program members in a number of ways.

    Lower status requirements

    Hilton has cut status qualification requirements by half.

    Elite status Previous status requirements New status requirements
    Silver status 4 stays, 10 nights or 25,000 base points 2 stays, 5 nights or 12,500 base points
    Gold status 20 stays, 40 nights or 75,000 base points 10 stays, 30 nights or 37,500 base points
    Diamond status 30 stays, 60 nights or 120,000 base points 15 stays, 30 nights or 60,000 base points

    Status extension

    For any Silver, Gold or Diamond members that were due to downgrade in 2020 or 2021, statuses will be extended through March 31, 2022.

    Cardholder benefits

    Weekend night rewards on eligible Hilton credit cards that were not expired by May 1, 2020, will now be valid through August 31, 2021, and certificates issued from May 1 through Dec. 31, 2020, are valid for 24 months from the date of issuance. All free weekend night certificates issued in 2021 can be used any night of the week and expiration is extended until Dec. 31, 2022.

    Additionally, bonus points will continue to count as base points on eligible purchases through Dec. 31, 2021, and toward elite status tier qualification, including Lifetime Diamond Status.

    Other rewards

    All 2020 elite qualifying nights will be rolled over to the 2021 status year. This applies to all nights members have already completed or will complete this calendar year.

    On top of that, Hilton has lowered the requirements to earn Milestone Bonuses for 2021. Previously, you could earn 10,000 bonus points every 10 nights after completing 40 nights in a calendar year. Starting in January, that requirement has been changed to 20 nights stayed to align with the new Gold qualification level. However, 60 nights will still earn you 30,000 points.

    Diamond members will be able to gift Gold status for staying 30 nights in 2021 instead of 60 nights which was the previous requirement. The requirement to gift Diamond status is lowered to 60 nights instead of 100.

    To ensure member safety, Hilton is providing flexible cancellations and full points refunds for all Hilton Honors experiences booked through May 31, 2021.

    You can follow further updates for Hilton Honors members on the loyalty program website.

    Marriott Bonvoy

    Marriott plans to compensate its Marriott Bonvoy members, although benefits may vary depending on members’ location.

    See related: Marriott data breach involves 5.2 million hotel guests

    Status extension

    Bonvoy members who earned elite status for 2020 can now enjoy their benefits through February 2022.

    Points extension

    Points set to expire by February 2021 will be paused, and no points will expire until after that time period. 

    Other rewards

    Active free night awards (as part of Marriott credit cards or packages) set to expire beginning March 1, 2020, will be extended through Aug. 1, 2021. Additionally, more recent certificates set to expire before July 31, 2021, will be extended through that date as well. Suite night awards set to expire by Dec. 31, 2020, will be extended another year through Dec. 31, 2021.

    Additionally, Marriott will deposit Elite Night Credits into Bonvoy elite members’ accounts in the amount of 50% of the nights required for the status they earned in 2019. This can make it easier for the members to reach the next tier.

    Elite Night Credits deposit breakdown

    Elite status Annual tier requirements Extra elite night credits
    Ambassador Elite 100 Qualifying Nights and $20,000 stay spend 50 Elite Night Credits
    Titanium Elite 75 Qualifying Nights 38 Elite Night Credits
    Platinum Elite 50 Qualifying Nights 25 Elite Night Credits
    Gold Elite 25 Qualifying Nights 13 Elite Night Credits
    Silver Elite 10 Qualifying Nights 5 Elite Night Credits

    Stay up to date on relief measures for Bonvoy members on the company’s COVID-19 page.

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    IHG Rewards Club

    Due to travel constraints and shortened travel periods, IHG has lowered its requirements for elite status membership by 25% or more, as well as extended statuses and points for all members (since elite members’ points never expire). 

    Lower status requirements

    Status Previous qualification requirements New qualification requirements
    Gold
    • 10,000 qualifying points in a calendar year or
    • 10 qualifying nights in a calendar year
    • 7,000 qualifying points in a calendar year or
    • 7 qualifying nights in a calendar year
    Platinum
    • 40,000 qualifying points in a calendar year or
    • 40 qualifying nights in a calendar year
    • 30,000 qualifying points in a calendar year or
    • 30 qualifying nights in a calendar year
    Spire
    • 75,000 qualifying points in a calendar year or
    • 75 qualifying nights in a calendar year
    • 55,000 qualifying points in a calendar year or
    • 55 qualifying nights in a calendar year

    See related: The benefits of IHG Rewards Club elite status

    Status extension

    Program statuses will be extended through January 2022 for all members. Spire elite members will also retain their Choice benefit of 25,000 bonus points or gifting of Platinum Elite status to someone each year.

    Award certificates 

    Anniversary night certificates (U.S. and U.K. only) set to expire before March 1, 2020, will be extended through the end of the year. All 2020 certificates will be redeemable for 18 months, instead of the usual 12. Some members have also reported that free night certificates expiring before Dec. 31, 2020, will be extended until August 2021.

    Follow updates to IHG Rewards Club benefits on the program’s travel advisory page.

    World of Hyatt

    The World of Hyatt loyalty program will extend all statuses and rewards to compensate valued members.

    Status extension

    All active elite statuses, as of March 31, 2020, will be extended through Feb. 28, 2022. 

    Points extension

    Forfeiting points due to inactivity will be suspended through June 30, 2021. No points will expire until that date.

    Other rewards

    Any earned rewards, such as free nights or upgrades, set to expire between March 1 and Dec. 31, 2020, will be extended through Dec. 31, 2021.

    Check the updates to Hyatt relief measures on the program’s COVID-19 page.

    online.

    Keep an eye on Wyndham’s COVID-19 statement page for updates.

    Choice Privileges

    It took Choice some time to follow suit and join other hotel chains in extending elite statuses and offering other promotions amid the outbreak. On May 21, 2020, the company announced a series of offers to expand the benefits of its Choice Privileges loyalty program.

    “Even during this crisis, our members found a number of ways to engage with us and make a difference,” said Jamie Russo, vice president, loyalty programs and customer engagement, Choice Hotels. “Some of them are essential and frontline workers who chose to stay in our small-business hotels, and others showed their generosity by donating their Choice Privileges points to aid recovery efforts. Our latest loyalty program changes tell our members that we appreciate their continued support and our hotels are here to welcome them whenever they feel safe traveling again.”

    Status extension

    All members’ current elite statuses will be extended through Dec. 31, 2021.

    Lower status requirements

    Choice is also easing requirements to qualify for elite status in 2021.

    Elite status Previous status requirements 2021 status requirements
    Gold status 10 nights 7 nights
    Platinum status 20 nights 15 nights
    Diamond status 40 nights 25 nights

    Additionally, Choice is giving current elite members a limited-time upgrade to the next tier. Gold members will be upgraded to Platinum status and Platinum members will be upgraded to Diamond. Additionally, members who stayed at least five nights by Dec. 31, 2020, will be able to keep their upgraded tier through 2021.

    United MileagePlus

    United has said it would compensate their MileagePlus members by extending all annual memberships, subscriptions and checked bag benefits for six months. United also plans to make status membership requirements easier and will release information later in 2020.

    Status extension

    All MileagePlus Premier members will get to retain their 2020 status through Jan. 31, 2022.

    Lower status requirements

    MileagePlus Premier membership now has easier requirements, reduced 50% for each status level.

    2021 status Premier qualifying flights and PQP … or PQP
    Silver 6 2,000 2,500
    Gold 12 4,000 5,000
    Platinum 18 6,000 7,500
    1K 26 9,000 12,000

    Other rewards

    All valid travel certificates issued on or after April 1, 2020, will be extended to be valid for two years for booking, as well as up to an additional 11 months to travel. All redeposit fees for flights booked through May 31, 2020, will be waived, as well as all fees for members who cancel within at least 30 days of departure.

    Follow more updates to United MileagePlus on the program’s travel notice page.

    Delta SkyMiles

    Delta has stepped up to say they will compensate their Medallion members by extending their Member status.

    Status extension

    2020 Medallion Member status will be extended through Jan. 31, 2022, and this change should be reflected on the member’s SkyMiles account by Feb. 1, 2021. Additionally, all 2020 Medallion Qualification Miles will roll over into 2021.

    Follow updates to the Delta SkyMiles program on the coronavirus travel update page.

    American Airlines AAdvantage

    As AAdvantage members experience reduced travel opportunities due to the coronavirus, American Airlines is offering elite status extension, lowering elite status requirements and allowing eligible cardholders to earn miles toward Million Miler status with credit card spend.

    Status extension

    Members whose elite status expires on Jan. 31, 2021, will automatically get an extension until Jan. 31, 2022.

    Lower status requirements

    Members will be able to qualify for a higher elite status in 2021 with lower requirements, including Elite Qualifying Dollar (EQD), Elite Qualifying Mile (EQM) and Elite Qualifying Segment (EQS).

    Gold oneworld Ruby Platinum oneworld Sapphire Platinum Pro oneworld Sapphire Executive Platinum oneworld Emerald
    • $2,000 EQDs and 20,000 EQMs or
    • $2,000 EQDs and 20 EQSs
    • $4,500 EQDs and 40,000 EQMs or
    • $4,500 EQDs and 45 EQSs
    • $7,000 EQDs and 60,000 EQMs or
    • $7,000 EQDs and 70 EQSs
    • $12,000 EQDs and 80,000 EQMs or
    • $12,000 EQDs and 95 EQSs

    Cardholder benefits

    The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders who hold a companion certificate expiring Dec. 31, 2020, will receive a six-month extension as well, bringing the expiration date to June 30, 2021.

    Learn more about AAdvantage program updates on aa.com.

    JetBlue TrueBlue

    JetBlue took a bit longer to join other airlines in taking measures to support loyal customers. On May 14, 2020, JetBlue announced it’s extending Mosaic elite statuses, as well as making it easier to earn one.

    Status extension

    All currently valid Mosaic elite statuses will be extended through Dec. 31, 2021.

    Lower status requirements

    JetBlue is reducing the qualifying thresholds for Mosaic status by 50% for 2021. To earn the status this year, you’ll need to earn 7,500 qualifying TrueBlue base points or 6,000 qualifying TrueBlue base points and 15 flight segments.

    Alternatively, you can get the elite status by spending $50,000 in annual net purchases on the JetBlue Plus card – this spending requirement hasn’t changed for 2020.

    Virgin Atlantic

    Virgin Atlantic has also made it easier for customers to earn and maintain elite status amid the pandemic.

    Status extension

    In March 2020, Virgin Atlantic extended status for Gold and Silver members, allowing them an additional six months to meet the requirements.

    On Aug. 20, 2020, the airline added another six months to the extension, making it one year in total.

    Other rewards

    Starting Sept. 1, 2020, the Flying Club program members will be able to earn tier points on award flights, meaning they’ll be able to earn elite-qualifying points on flights where they used Flying Club miles to redeem for travel.

    On top of that, Virgin Atlantic makes it easier for members to earn and redeem Companion Vouchers, Upgrade Vouchers and Clubhouse Vouchers.

    Members can now use Companion Vouchers with any ticket in any booking class, regardless of status. Gold and Silver members can book their companion into any cabin for zero miles, and Red members can book their companion into Economy and Premium for zero miles or upper class at a 50% discount.

    Upgrade Vouchers can also be used with any ticket in any booking class, excluding Economy Light, for a one-cabin upgrade on a return flight.

    Clubhouse Vouchers can be used for one entry to any clubhouse when booked on a Virgin flight or with Air France, Delta or KLM when flying internationally. Gold members will continue to receive two vouchers.

    Southwest Rapid Rewards

    On April 16, Southwest announced a status extension for A-List and A-List Preferred members and companion passes. The company is also giving a points “boost” to all Rapid Rewards members.

    “As we continue to navigate our way through this unprecedented time and deal with extraordinary challenges, we are committed to keeping you informed and updated on the steps we are taking to manage through the COVID-19 pandemic,” Southwest said in a message to Rapid Rewards members.

    Status extension

    Companion Pass Members who received an extension of their earned Companion Pass benefits through June 30, 2021, will have their benefits extended for another six months. Members will be able to keep their status through Dec. 31, 2021.

    Other rewards

    Southwest is giving all Rapid Rewards members with an account opened by Dec. 31, 2020, a “boost” of 25,000 Companion Pass qualifying points and 25 flight credits toward Companion Pass status, as well as 15,000 tier qualifying points and 10 qualifying flight credits toward A-List and A-List Preferred.

    Southwest cardholders can also spend their way all the way to A-List status, with no cap on tier qualifying points (TQPs) earned through card spend. Previously, cardholders could only earn up to 15,000 TQPs per year via card spend.

    Additionally, travel funds created or expiring between March 1, 2020, and Sep. 7, 2020, will now expire on Sep. 7, 2022. Alternatively, Rapid Rewards members can convert those funds into Rapid Rewards points. According to Southwest, the conversion ratio is “the same rate you would be able to purchase a ticket with points today.”

    British Airways

    On June 11, British Airways finally joined other airlines in extending the elite status for its members. Additionally, the carrier is reducing the number of tier points needed to reach a higher membership tier.

    Status extension

    British Airways is extending tier status by 12 months for members who have a tier point collection end date of July 2020, through to June 2021.

    Lower status requirements

    The carrier has also reduced the number of points needed to retain and upgrade a membership status by 25%.

    Here are the new tier qualification thresholds:

    Cardholder benefits

    Members who have earned heir Gold Upgrade Vouchers, Companion Vouchers and Travel Together Tickets with a British Airways credit card will get a 6-month expiration extension to any current vouchers.

    CLEAR

    CLEAR is a program that makes it quicker for travelers to get through airport security lanes by using biometrics for ID verification. Since many people are currently avoiding traveling due to the coronavirus outbreak, a CLEAR membership might not be useful at the moment.

    Originally, CLEAR offered customers to pause their membership for three months. Now CLEAR is allowing members to request a three-month extension to their membership, which can be done by contacting the company directly. With customer service channels such as phone lines overloaded by requests, the fastest way to do so is via CLEAR’s online chat. However, some users have reported experiencing difficulties finding the chat box on the website. Alternatively, you can reach CLEAR by text, email or phone.

    TSA Precheck

    TSA Precheck is a five-year membership that provides expedited security checks at select domestic airports in the U.S. At this time, TSA is planning to keep enrollment centers open while working to determine if any temporary closures are required. Some centers have been closed or changed hours.

    If you’re planning to visit an enrollment center, it’s recommended that you schedule an appointment – as walk-ins may be deferred.

    Visit TSA’s enrollment questions page for more information.

    Global Entry

    Global Entry, a program run by U.S. Customs and Border Protection that allows travelers to get expedited clearance through automatic kiosks when arriving in the U.S, has reopened its enrollment centers on Sept. 8, 2020. After a six-month hiatus, the program will finally allow conditionally approved Global Entry applicants to complete in-person interviews at most Trusted Traveler Programs enrollment centers in the U.S. The interviews must be scheduled in advance online, and their availability will vary by location.

    Since the COVID-19 outbreak has also affected processing times for Global Entry renewals, CPB has increased the renewal grace period to 18 months. This means that if you apply for your Global Entry renewal before its expiration date, you’ll be able to use Global Entry for another 18 months.

    As the coronavirus situation is unprecedented and changing rapidly every day, hotels and airlines continue to make updates to their travel policies, including their loyalty programs. Travelers should continue to check airline and hotel websites as the situation evolves. If they cannot find the information they need online, they should contact their hotel, airline or travel agency’s customer service number.

    Source: creditcards.com

    What is an International Credit Card?

    What is an International Credit Card?

    When you have an international credit card, you can use it both in your home country and abroad. It’s not uncommon to come across businesses abroad that only accept native currency. That’s when an international credit card comes in handy. If you want to avoid the hassles of carrying cash or traveler’s checks everywhere you go, these types of credit cards are the perfect solution.

    Several established hotels, restaurants and retail outlets you encounter during your travels will accept your international credit card. That card offers many of the same features as a standard version and can also be used at ATM machines. Thus, no matter where you are, you can get cash from your bank account. You can also check your account balance from an ATM, so you can keep track of your spending and make sure you’re sticking to your budget.

    Credit Card Foreign Transaction Fees

    A foreign credit card transaction fee is charged when you make a payment in a different country with your card. The sale also includes a fee because you’re paying in a foreign currency. Typically, foreign transaction fees are equal to 3% of the total cost of the transaction. They are also set in U.S. currency. If you purchase an item or souvenir in another nation’s currency and the total bill comes to $100, with 3% in foreign transaction fees tacked on, you pay a total of $103.

    Foreign transaction fees can be charged on different types of transactions, including withdrawing money from ATM machines, reserving hotel rooms, or even booking your flights. The terms and conditions that apply to foreign transaction fees are usually included in the fine print of your international credit card’s cardholder agreement. So, make sure you review this information and are fully aware of the terms before using your card for purchases.

    The International Chip and PIN

    The international chip and PIN are part of a system being integrated into a number of credit cards. Many foreign merchants no longer accept standard magnetic strip credit cards, claiming they’re unsafe and outdated. The point of an international chip and pin is so that you won’t end up at an unattended kiosk unable to use the card because it requires a PIN to complete your transaction. This specifically applies to retailers in Europe.

    Top 4 Brands of International Credit Cards

    There are many different international credit cards, but four in particular offer better benefits and interest rates than others.

    1. Capital One Venture Rewards Card

    Capital One Venture Rewards Card

    The Capital One Venture Rewards Card is another credit card you probably want to consider. The Capital One Rewards card also gives you a solid introductory rate and travel rewards points. It also provides you with a sign-on bonus of up to 50,000 miles or $500 in travel when you spend $3,000 in your first three months from account opening. The only downside is that this card comes with a  an annual fee after the first year.

    2. Capital One Venture One Rewards Credit Card

    Capital One Venture One Rewards Credit Card

    If you enjoy the Capital One brand but prefer to avoid the annual fee, consider the Capital One Venture One Rewards Credit Card. The card gives you all the advantages of Capital One without an annual fee. This card also gives you major perks—you’ll get 20,000 miles if you $1,000 in the first three months.

    3. Chase Sapphire Preferred Credit Card

    Chase Sapphire Preferred® Card

    Apply Now

    on Chase’s secure website

    Card Details
    Intro Apr:
    N/A


    Ongoing Apr:
    15.99% – 22.99% Variable


    Balance Transfer:
    15.99% – 22.99% Variable


    Annual Fee:
    $95


    Credit Needed:
    Excellent-Good

    Snapshot of Card Features
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
    • 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.
    • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.

    Card Details +

    Lastly, the Chase Sapphire Preferred Credit Card has low introductory rates for purchases and balance transfers, though its rewards offerings are somewhat weaker by comparison. This is another card that gives you a major bang for your buck—you can earn 60,000 bonus points when you spend $4,000 in the first three months.

    Do Your Due Diligence Before Traveling Abroad with Your New Cards

    Even with an international means of payment, your credit card may not be accepted at all locations. Recently, a Credit.com staffer who traveled to Amsterdam tried to use his World Elite Mastercard at some locations and found that local merchants didn’t always accept a Mastercard branded card.

    Before going on your trip, check either with stores or the credit card network (Mastercard, Visa, Discover or American Express)  to see if any conditions exist that might prevent your card from being accepted by foreign merchants. Alternatively, you can take a few different brands with your or have some cash or traveler’s checks on hand.

    Check Your Credit

    Before applying for an international credit card, it’s important to check your credit score to see what you qualify for. A low score or no score at all could get in the way of your goals of traveling with an international credit card in hand. Be sure to check your score before you apply. Most credit card companies that offer cash-back or miles require a good or even excellent score.

    Checking your credit is easy and free depending on the site you use, and checking doesn’t hurt your score. You can get your free Experian credit score by visiting Credit.com. Instead of a hard inquiry, Credit.com does a soft inquiry without harming your credit score.

    Using Credit.com for Your Travels

    Traveling overseas with a credit card is convenient, but it can also be tricky. If you’re planning a trip abroad, it’s important to research which international credit cards will serve you best. Having a credit card that can be used anywhere in the world is a great tool to have in your pocket. But the terms and conditions of each card vary depending on several factors including your credit history, your spending habits and the places you visit.

    Credit.com offers travelers just like you the opportunity to check their credit scores and apply for cards that will benefit them on their international journeys. If you’re interested in learning more about credit cards, check Credit.com

    Editorial disclosure: Reviews are as determined solely by Credit.com staff. Opinions expressed here are solely those of the reviewers and aren’t reviewed or approved by any advertiser. Information presented is accurate as of the date of the review, including information on card rates, rewards and fees. Check the issuer’s website for the most current information on each card listed.

    Some offers mentioned here may have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned here.

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    Source: credit.com