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U.S. Bank Business Altitude™ Power World Elite Mastercard®
U.S. Bank Business Altitude™ Power World Elite Mastercard®
- 20.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24% to 28.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The U.S. Bank Business Altitude™ Power World Elite Mastercard® is a business rewards card for that earns up to 2.5X points on eligible purchases with mobile wallets, with no foreign transaction fees and a $0 introductory annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 6X points on on hotels and car rentals booked in the U.S. Bank Rewards Center
- 2.5X points on up to $5,000 in mobile wallet purchases each quarter
- 2X points on all other purchases
- No foreign transaction fees
- Regular Purchase APR: 20.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Penalty APR: 32.49%
- Annual Fee: $195
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
- Over Limit Penalty Fee: $40
- Your company spends heavily on mobile wallet purchases
- You plan to issue multiple employee cards to maximize rewards
- You want to streamline your bonus categories
- You spend enough on to justify the annual fee
Wells Fargo Autograph Journey Visa® Credit Card
Wells Fargo Autograph Journey Visa® Credit Card
- 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Wells Fargo Autograph Journey Card provide a lucrative earning platform for travelers who want the freedom to book travel on their terms and not based on a bank's travel portal. The card earns up to 5X points on travel purchases, offers points transfers to leading carriers and hotels, and comes with a slate of tarvel credits and benefits for a modest $95 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $50 annual airline statement credit
- No foreign transaction fees
- Earn 5X points on hotels, 4X on airlines, and 3X on travel and dining purchases
- Earn 1X points on all other purchases
- Transfer points to leading loyalty programs
- Regular Purchase APR: 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- You already bank with Wells Fargo
- You want a lucrative travel credit card without needing to book in restrictive travel portals
- You don’t want to pay any foreign transaction fees
- You can make use of the $50 annual credit
Chase Slate Edge℠
Chase Slate Edge℠
- 20.49% to 29.24% Variable Regular Purchase APR
- 20.49% to 29.24% Variable Balance Transfer APR
- 29.99% Variable Cash Advance APR
- 0% for the first 18 months from account opening date Intro Purchase APR
At a Glance
The Chase Slate Edge lets you make moves towards your credit goals with a host of impressive introductory bonuses. The card from Chase offers the chance at an automatic credit line increase, plus 0% intro APR for 18 months (with a variable APR after that) and automatic APR reduction when you pay on time after meeting minimum spending requirements– all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.49% - 29.24% on balance transfers and purchases after the introductory period ends.
- Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
- Member FDIC
- Intro Purchase APR: 0% for the first 18 months from account opening date
- Regular Purchase APR: 20.49% to 29.24% Variable
- Intro Balance Transfer APR: 0% for the first 18 months from account opening date
- Balance Transfer APR: 20.49% to 29.24% Variable
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 29.99% Variable
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% Variable
- Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
- You want to build credit with responsible usage
- You plan to carry a balance and will make use of the two 0% intro APR offers
- You don’t want to pay an annual fee
World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
- 21.49% to 28.49% Variable Regular Purchase APR
- 21.49% to 28.49% Variable Balance Transfer APR
- 29.99% Variable Cash Advance APR
At a Glance
The World of Hyatt Business Card is a business hotel rewards credit card from Chase. The card earns up to 9X Hyatt points per dollar spent, offers World of Hyatt Discoverist status for up to six cardholders, and features a lucrative 60,000-point introductory offer – all for a $199 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
- 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
- Regular Purchase APR: 21.49% to 28.49% Variable
- Balance Transfer APR: 21.49% to 28.49% Variable
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% Variable
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% Variable
- Annual Fee: $199
- You have a small business and have employees that travel frequently
- You plan on issuing a handful of employee credit cards
- You expect to spend at least $5,000 on the card within 90 days of opening an account to take advantage of the card’s generous signup offer
Southwest Rapid Rewards® Plus Credit Card
Southwest Rapid Rewards® Plus Credit Card
- 21.49% to 28.49% Variable Regular Purchase APR
- 21.49% to 28.49% Variable Balance Transfer APR
- 29.99% Variable Cash Advance APR
At a Glance
The Southwest Rapid Rewards Plus Credit Card is a reliable airline rewards credit card for those who like to fly and prefer Southwest Airlines when they travel. The card earns 2X points on Southwest Airlines purchases and 1X points on all other purchases. The card has an annual fee of $69, which is mostly offset by the cardmember anniversary bonus of 3,000 miles given after each year of membership.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 3,000 anniversary points each year.
- Earn 2X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- 2 EarlyBird Check-In® each year.
- Earn 1 point for every $1 spent on all other purchases.
- Member FDIC
- Regular Purchase APR: 21.49% to 28.49% Variable
- Balance Transfer APR: 21.49% to 28.49% Variable
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% Variable
- Cash Advance Transaction Fee: Either $10 of 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% Variable
- Annual Fee: $69
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- You fly often and prefer to fly with Southwest
- You plan to use your card in conjunction with other Southwest programs to earn maximum points
- You have a large purchase planned that will allow you to reach the spending requirement on the card within the first 90 days to qualify for a signup bonus
- You plan to use the card primarily for purchases within the United States
Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards® Priority Credit Card
- 21.49% to 28.49% Variable Regular Purchase APR
- 21.49% to 28.49% Variable Balance Transfer APR
- 29.99% Variable Cash Advance APR
At a Glance
For frequent Southwest Airlines® flyers, the Southwest Rapid Rewards® Priority Credit Card is an airline card that makes it easy to reap benefits rapidly with (up to) triple points earning, travel credits, and convenient in-flight discounts.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Limited-time offer: earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening
- 7,500 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- $75 Southwest® travel credit each year.
- No foreign transaction fees.
- Member FDIC
- Regular Purchase APR: 21.49% to 28.49% Variable
- Balance Transfer APR: 21.49% to 28.49% Variable
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% Variable
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: $149
- You travel often, especially with Southwest Airlines®
- You're looking to use your credit card to make purchases abroad
- You make frequent in-flight purchases
Southwest Rapid Rewards Premier Business Credit Card
Southwest Rapid Rewards Premier Business Credit Card
- 21.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.24% to 28.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
For frequent Southwest Airlines® flyers, the Southwest Rapid Rewards® Premier Business Credit Card is a business rewards card that offers all the perks of a great travel rewards card while also propelling card members’ businesses forward.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open,
- Earn 3 points for every $1 you spend on Southwest Airlines® purchases
- Earn 2 points for every $1 you spend on Rapid Rewards hotel and car rental partner purchases
- Earn 2 points for every $1 you spend on social media, SEM, an local transit and commuting, including rideshare services
- Earn 1 point for every dollar you spend on all other purchases
- 6,000 anniversary points each year on your Cardmember anniversary
- 2 EarlyBird Check-In® each yea
- $500 Fee credit for points transfers
- 25% back on inflight purchases
- Regular Purchase APR: 21.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $99
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
- You travel often, especially with Southwest Airlines®
- You own or operate a business
- You make frequent in-flight purchases
- You plan on issuing additional cards to your employees
Ink Business Premier® Credit Card
Ink Business Premier® Credit Card
- Flex for Business variable APR: 19.49% to 27.49% Regular Purchase APR
At a Glance
The Chase Ink Business Premier Credit Card is a premium business card that earns up to 2.5% cash back on purchases of $5,000+ and 2% back on all other purchases. The card operates either as pay-in-full, or pay-over-time, thanks to Flex for Business.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
- Regular Purchase APR: Flex for Business variable APR: 19.49% to 27.49%
- Annual Fee: $195
- Late Payment Penalty Fee: $40 or 2% of the Minimum Payment Due, whichever is greater
- You own a medium-sized business with cash reserves
- You make frequent large purchases of $5,000 or more
- You want to earn cash back from your business expenses
- You manage employees who will use their own issued cards
United℠ Business Card
United℠ Business Card
- 21.99% - 28.99% Variable Regular Purchase APR
- 21.99% - 28.99% Variable Balance Transfer APR
- 29.99% Variable Cash Advance APR
At a Glance
Businesses can benefit significantly from airline cards, and the United Business Card from Chase is an excellent example of the breed. The card earns miles on the types of purchases businesses often make, with additional points coming from the United MileagePlus Program.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
- Regular Purchase APR: 21.99% - 28.99% Variable
- Balance Transfer APR: 21.99% - 28.99% Variable
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% Variable
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% Variable
- Annual Fee: $0 intro annual fee for the first year, then $99
- You run small to medium-sized companies
- You plan to issue additional employee cards (at no extra cost)
- You frequently use your credit card to book flights with United or Star Alliance carriers
- You expect to make at least $5,000 in purchases within the first 90 days of becoming a cardholder to earn the card’s signup bonus (for new cardmembers)
TAP Miles&Go American Express®
TAP Miles&Go American Express®
- 21.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The TAP Miles&Go American Express® credit card is the ideal travel companion for anyone who want premium travel perks but hate paying a steep annual fee of hundreds of dollars. The card, from Cardless, charges $79 per year but grants perks like lounge access, preferred boarding, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No foreign transaction fees
- Earn 60,000 miles after spending $2,500 in purchases in the first three months
- Earn 3X miles on TAP Air Portugal purchases
- Earn 2X miles on dining, plus rideshares, taxis, and public transit
- Earn 1X miles on all other purchases
- Two complimentary TAP lounge passes each year
- Preferred boarding on TAP-operated flights
- Regular Purchase APR: 21.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Annual Fee: $79
- Late Payment Penalty Fee: Up to $30
- Return Payment Penalty Fee: Up to $30
- You travel to Portugal, Europe, or other similar destinations often
- You prefer to fly with TAP Air Portugal or other Star Alliance airlines
- You want access to premium perks like airport lounges and upgrades
- You plan to spend at least $2,500 in the first three months
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What Are Foreign Transaction Fees?
When planning an international trip, it’s crucial to consider how you’ll handle expenses and currency exchange. One aspect that travelers need to be aware of is the concept of foreign transaction fees. Foreign transaction fees are charges imposed by credit card issuers for purchases made in a foreign currency or with a foreign merchant.
Impact of Foreign Transaction Fees on International Spending
Foreign transaction fees are charges that credit card companies add to purchases made in a foreign currency. These fees are usually a percentage of the total transaction amount, typically around 3%. While this may not seem like much, it can quickly add up, especially if you use your card frequently during international travel.
For example, let’s say you’re on a two-week trip to Europe and use your credit card for most of your purchases. If you spend $2,000 during your trip, you could pay an additional $60 in foreign transaction fees. That money could be better spent exploring new sights or trying delicious local cuisine. By using a credit card with no foreign transaction fee, you can avoid these unnecessary charges and keep more money in your pocket.
Benefits of No Foreign Transaction Fee Cards
Using a credit card with no foreign transaction fee offers numerous benefits for international travelers:
Save Money Abroad
One of the biggest advantages of using no foreign transaction fee credit cards is the potential to save money on purchases made overseas. With these card types, you can avoid the additional fee that is typically charged – up to 3% of each transaction – whether you’re traveling abroad or making an online purchase from a merchant outside of the U.S. This, in turn, can add up to significant savings, especially for frequent travelers or individuals who frequently make international purchases.
Convenience
In addition to the cost savings, no foreign transaction fee credit cards also provide a great deal of convenience. Instead of carrying large amounts of cash or going through the hassle of exchanging currency, you can rely on your credit card for all your purchases. This not only streamlines your travel experience but also offers added security. Credit cards come with built-in protection against theft or loss, and if your card is stolen or misplaced, you can easily report it and have it replaced, ensuring peace of mind throughout your journey.
Earn Rewards Overseas
Another benefit of these cards is the opportunity to earn cash back or other rewards. By selecting a card that charges no foreign transaction fee and offers rewards, such as points, miles, or cash back, you can maximize the value of your spending. It is important, however, to choose a credit card that aligns with your spending habits to ensure that you can make the most of the rewards and make your money go further.
Tips for Maximizing Savings with a No Foreign Transaction Fee Credit Card
Using a credit card with no foreign transaction fee is an excellent way to save money on international travel. However, there are additional steps you can take to maximize your savings further and avoid unnecessary fees. Here are some tips to help you make the most of your new card:
- Avoid using ATMs: Withdrawing cash from ATMs abroad can come with fees, including foreign ATM fees and currency conversion fees. Instead, try to use your credit card for most of your purchases or consider bringing a small amount of local currency with you.
- Use contactless payments: Many credit cards now offer contactless payment options, such as Apple Pay or Google Pay. These payment methods are not only convenient but also secure, as they use tokenization to protect your card information.
- Take advantage of travel insurance: Some credit cards with no foreign transaction fee also offer additional travel insurance as a perk. Before purchasing additional travel insurance, check if your credit card provides coverage for trip cancellation, lost baggage, or medical emergencies.
Alternatives to No Foreign Transaction Fees
Dynamic Currency Conversion
Dynamic currency conversion is a newer process that effectively replaces foreign transaction fees. It allows travelers to be charged in dollars while traveling abroad. When purchasing abroad, a foreign merchant may offer to charge you in dollars instead of the local currency. This provides the customer with a better understanding of the cost.
Dynamic currency conversions (DCC) seem beneficial, but the process comes with plenty of potential headaches:
- Additional fees: Dynamic currency conversion comes with additional fees. The fee for this type of transaction may rise as high as 7% of the total in dollars, making it potentially significantly more expensive than foreign transaction fees.
- Poor exchange rate: DCC often offers less favorable exchange rates than those provided by your home bank or credit card company, which can result in higher costs for the consumer.
- You might pay twice: Dynamic currency conversion transactions can sometimes involve double currency conversion, where the foreign currency is first converted to the local currency and then back to the consumer’s home currency.
Prepaid or Debit Cards
If you’re not comfortable using credit cards or prefer to avoid accruing debt, consider getting a debit card with no foreign transaction fees. These cards function similarly to credit cards but draw funds directly from your bank account. Additionally, prepaid cards can be a good option if you want to lock in a favorable exchange rate or have a strict budget.
Conclusion
No foreign transaction fee credit cards are a valuable tool for international travelers looking to save money and simplify their payment methods. By choosing a card with no foreign transaction fees, you can avoid unnecessary charges and keep more money in your pocket. Remember to consider factors such as annual fees, rewards programs, and acceptance abroad when selecting a card. With the right no foreign transaction fee credit card in hand, you can have a worry-free travel experience and focus on creating unforgettable memories.
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Travel Rewards Credit Cards
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