Best travel credit cards in comparison
If you travel a lot then this is the right choice Credit card advantageous. The offer Kreditkarten is very big. Almost everyone has a checking account and the associated debit cards and Kreditkarten. These often have high annual fees and abroad you pay money when you raise or when you pay. The amounts quickly add up if you're not careful.
There are free ones Kreditkarten without fees!
The 5 best travel credit cards
- 1plus VISA Card from Santander Bank *
- DKB Visa Card *
- direct Credit card
- Barclay Card Platinum Double
- ADAC credit card
What makes a credit card a good travel credit card?
When choosing Credit card you should pay attention to the following criteria:
- No foreign transaction fees. If you pay for something in another currency you don't have to pay any fees Banks pay. Normally 1 – 2% is due, which can add up quickly.
- No withdrawal fees at withdrawing cash at home and abroad. With good travel credit cards, withdrawing abroad is usually free of charge or very cheap.
- Completely free with no annual fee. That means even if you only use it for your trips and don't use it otherwise.
- Good customer service that is there for you XNUMX/XNUMX. (e.g. in case of theft)
- The credit card has insurance coverage. e.g. travel cancellation insurance, luggage insurance, document protection, etc.
It is also important to note whether it is a debit or charge card.
The difference is that you cannot deposit a deposit with the debit credit card, for example when renting a car or booking a hotel!
Debit credit cards are for example:
Girocard, ING-DiBa Visa, Consorsbank Visa Card
Charge credit cards are:
DKB Visa Vard, Targobank online classic card, Barclaycard, comdirect Visa card
What do you need a credit card for when travelling?
- Credit card for holiday and flight bookings. To book a flight, Hotels or rental car, a credit card is almost always required.
- As a deposit for picking up a rental car.
hotel booking. - Withdraw money in local currency on holiday free of charge. Thanks to a credit card that you can use to withdraw money or make payments abroad free of charge. You almost never have to carry amounts of money with you.
- Pay worldwide for free! Use the credit card as a means of payment in shops and restaurants.
You should always have one in case of an emergency backup credit card have if the other card no longer works, is stolen or lost.
What is the best free credit card for travel?
Test winner best free credit card: Santander's 1plus Visa card Banks!
The 1plus Visa Card is by far the best free travel credit card. This reimburses third-party fees from banks abroad, for example. If you fill up often and a lot, you get 1% of your fuel costs back with the 1plus Visa Card (up to a maximum of €400 turnover per month).
Benefits of the Santander 1plus Visa Card:
- Credit card is completely free, there are NO hidden fees.
- With the Visa card you can really go anywhere in the world at all ATMs Cash take off.
- With this card you can also pay abroad without being charged foreign fees.
- You don't have to open a current account because you can specify a reference account.
- You can only withdraw small amounts of cash at a time and don't run the risk of losing a lot in the event of loss or theft.
- If fees are incurred when withdrawing from ATMs, these will be covered by Santander Banks refunded on request. All you have to do is send an email to the bank ([email protected]).
Disadvantages of the Santander 1plus Visa Card:
- The self-employed are mostly rejected.
- The limit for cash withdrawals is 300 euros or 10 transactions per day!
- Only 5% of the monthly invoice amount will be debited from your reference account. If you do not transfer the remaining amount to the account within the specified period, high interest will be charged (13,98%).
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2nd choice: VISA card from the DKB credit bank
Advantages of the DKB Visa Card:
- Permanently Free
- Free DKB Visa Card + EC card, tied to the DKB current account.
Why is the DKB Visa Card a good travel credit card?
- There is no foreign transaction fee
- If you pay abroad, you do not have to pay any fees to the bank from the turnover. ONLY IF YOU ARE AN ACTIVE CUSTOMER!
- There are also no fees for withdrawing cash from ATMs. ONLY IF YOU ARE AN ACTIVE CUSTOMER!
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