•   Argentina
  •   Australia
  •   Brasil
  •   Česko
  •   Canada
  •   Deutschland
  •   España
  •   France
  •   India
  •   Italia
  •   Magyarország
  •   Malaysia
  •   Nederland
  •   New Zealand
  •   Österreich
  •   Polska
  •   Portugal
  •   România
  •   Schweiz
  •   Singapore
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Suncorp Cash Passport Review

Learn about the Suncorp Cash Passport in this review to help you decide whether this is the card for you.

  • Use the Cash Passport App
  • Load up to 10 currencies
  • Lock in exchange rates
  • Use at over 35.9 million Mastercard locations
  • No set up or reload fees when you order online

suncorp travel card review

Pros and cons of using Suncorp Cash Passport

  • Free replacement card
  • 24/7 Global Assistance
  • No international ATM withdrawal fees
  • Greater of 1.1% of $15 initial and reload fee
  • Domestic bank ATM withdrawal fee
  • $10 closure fee

Benefits of the Suncorp Cash Passport

suncorp travel card review

  • Top up online, and check your balance via the Cash Passport app, or online/phone

suncorp travel card review

Convenience

  • Chip and PIN protected with signature panel
  • 24/7 Global Emergency Assistance
  • Free second back-up card provided
  • Free replacement card in event of lost or stolen cards

suncorp travel card review

  • Withdraw local currency at over 2.1 million ATMs worldwide
  • Use online, pay directly through Mastercard merchants or withdraw at any ATM
  • Enables you to load both AUD and foreign currencies directly onto the card
  • Unlimited reloads

suncorp travel card review

Manage Your Money

  • Lock in exchange rates and avoid fluctuations

All prices are in AUD

* Foreign currency conversion is charged when you spend in a currency that is not loaded or supported on the card

**The MasterCard rate is the exchange rate determined by MasterCard to be their wholesale rate or the government mandated rate in effect in the day the transaction is processed by MasterCard.

No International ATM withdrawal fee (fee may be imposed by ATM operator

2.95% domestic ATM withdrawal fee

Currencies and Countries

Currencies supported.

  • Australian dollars (AUD)
  • US dollars (USD)
  • Great British pounds (GBP)
  • New Zealand dollars (NZD)
  • Hong Kong dollars (HKD
  • Canadian dollars (CAD)
  • Singapore dollars (SGD)
  • Thai baht (THB)
  • Japanese yen (JPY)

Load Amounts

  • Minimum Load: $100 (BPAY and Debit)
  • Maximum Load: $100,000, $25,000 (via BPAY), $15,000 – $60,000 (via Debit, depending on time period)

Transaction Limits

  • ATM Withdrawal Limit (24 hours) : AUD 3,000 (or currency equivalent)
  • POS Transaction Limit (24 hours): AUD 15,000 (or currency equivalent)
Lola goes on skiing holidays up to 3 times a year, either in New Zealand, Japan or Canada. Every time she leaves, she buys her currency in cash and sometimes when it runs out, she uses her Debit card abroad. Lola became increasingly frustrated with being subject to the charges of exchange rate fluctuations and overspending her AUD while abroad. What Lola didn’t know was that Suncorp offered a Cash Passport that avoided all exchange rate fluctuations, as well as having unlimited reloads – handy if she ever bought too many beers after the slopes! She could pay with ease via the Cash Passport app for her skiing activities, as well as hotels and dining knowing that her budget was protected.

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Suncorp credit card complimentary travel insurance

The suncorp clear options platinum credit card offers cover for eligible trips overseas and in australia – here's what you need to know..

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In this guide

Which Suncorp credit cards have complimentary travel insurance?

How to get cover with suncorp credit card international travel insurance, what's covered by suncorp complimentary international travel insurance, what's not covered, pre-existing medical conditions, how to make a claim through your suncorp credit card complimentary international travel insurance policy, other types of suncorp complimentary credit card travel insurance, suncorp credit card complimentary insurance for shopping, frequently asked questions, what you need to know:.

  • The Suncorp Clear Options Platinum Credit Card offers comprehensive international travel insurance for trips of up to 6 months.
  • You'll get cover when you meet the requirements before travelling (e.g. by paying for your trip with the card).
  • Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions .
  • Do you have a question or need to make a claim right now? Call Allianz on 1800 072 791 or +61 7 3305 7499.

Right now, Suncorp's platinum credit card is the only one with complimentary travel insurance but you can get other types of insurance with a gold Suncorp credit card. Here's a look at your options:

Suncorp Clear Options Platinum Card

Suncorp Clear Options Platinum Credit Card

  • International travel insurance

Domestic travel insurance

  • Rental vehicle excess insurance
  • Extended warranty insurance
  • Purchase protection insurance

Suncorp Clear Options Gold Card

Suncorp Clear Options Gold Credit Card

Does not offer:

  • Have an active, eligible Suncorp credit card in your name at the time of your booking.
  • Paying for the overseas travel ticket with your eligible Suncorp credit card.
  • Using Suncorp Rewards Points to book your overseas travel ticket.
  • Getting the travel ticket through the airline Take Flight Program.
  • Make sure your trip is for 6 consecutive months or less. Trips over 6 months long won't be covered by this policy.

The cover is automatically available to you and eligible family members when you meet these requirements. If you need further details or want confirmation of cover, call Allianz on 1800 072 791.

Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover with a Suncorp credit card

Example of when you might use this cover on an overseas trip.

If got sick overseas and had to go to hospital for a few days, you could get cover for costs related to:

  • Doctor's fees
  • Hospital fees
  • Changes in your travel plans

Just keep in mind that each travel claim is subject to an assessment and there may be excess payments if you're eligible for a payout.

Suncorp complimentary international travel insurance for cancellation, delays and transport

⚠️ Keep in mind: Cancellations and other changes to your travel plans are only covered under specific circumstances. For example, if you missed a flight because you needed urgent medical treatment for a covered health issue.

Luggage and personal items cover offered with Suncorp credit card complimentary insurance

Key notes for this cover.

  • Sporting goods aren't covered when they're in use.
  • Valuables left in a vehicle or placed in check-in typically won't be covered.
  • Separate limits apply for business items and valuables left unattended in a vehicle (if they're eligible for cover).

Hijacking, personal liability, death and other cover offered with Suncorp complimentary credit card travel insurance

Claims under these benefits are less common and usually only apply in extreme circumstances. None of them have an excess payment but we have listed their claim limits.

  • Hijacking and detention: $250 per day up to a maximum total limit of $5,000
  • Personal liability: Up to a maximum total limit of $2,250,000
  • Accidental death: $50,000 per cardholder, $25,000 per spouse and $5,000 per dependant
  • Funeral expenses: Up to a maximum total limit of $20,000

Some of the key situations that aren't covered by Suncorp's complimentary credit card insurance include:

  • Any epidemic or pandemic
  • If the purpose of your trip includes getting medical treatment
  • Dangerous activities, including rock climbing, white water rafting, bungy jumping, skydiving, water skiing, off-piste snow skiing and professional sports
  • Government interference with your travel plans
  • Acts of terrorism

⚠️ Remember: Check the Suncorp card insurance policy booklet or call Allianz on 1800 072 791 for more details about exclusions.

If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions.

Does Suncorp credit card travel insurance cover family members?

Yes, your spouse and dependants (i.e. your children) can also get cover when they are travelling with your for at least 50% of your trip. They also need to meet the same travel booking requirements and other conditions of the insurance policy. Check the policy document for full details.

This complimentary international travel insurance automatically covers a limited number of pre-existing medical conditions when you meet the requirements, including:

⚠️ Keep in mind: Every travel insurance policy has its own definition and details about pre-existing conditions. You'll find full details in the Suncorp credit card complimentary travel insurance policy document.

What if I don't meet the requirements or have a different pre-existing condition?

Call Allianz on 1800 072 791 to check if you can use this insurance. You may be able to get written confirmation from Allianz that a pre-existing medical condition is covered, although be aware that additional fees may apply.

Otherwise, you won't get cover for any pre-existing conditions that cause issues. This includes conditions that you've had professional treatment for and untreated conditions you're aware of before you travel.

Got a pre-existing health condition? Compare other travel insurance policies that offer cover for conditions including anxiety, high blood pressure and knee replacement.

If it's an emergency, call Allianz on +61 7 3305 7499 when you're overseas or 1800 072 791 in Australia. Then, submit a claim as soon as possible by following these steps:

  • Go to the Allianz online claim portal at https://claimmanager.com.au/aga/agreement
  • Confirm you agree with the terms and conditions, then click "Create new claim"
  • Select the "Credit card insurance" option and provide details of your card
  • Fill in the details on the claim form and upload your supporting documentation

You will hear back about your claim within 10 business days, according to the online claims website.

What to include in your claim

With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout. Some examples include:

  • A referral or letter from a doctor or other professional you see in relation to a claim
  • Photo evidence
  • Police reports

Tip: Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the Suncorp card insurance policy booklet – plus anything that could become supporting documentation for claims.

  • What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. For example, cancelled return flights, flight delays of 4 hours or more and delayed or lost luggage.
  • When can I use it? If you have paid for your return domestic flights with an eligible Suncorp credit card and are travelling for no more than 14 days in a row.
  • Is there an excess cost? There is a $200 excess for cancellation and luggage claims.

Rental vehicle excess in Australia insurance

  • What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $2,250. This cover is included as part of the domestic travel insurance benefits in the Suncorp credit card complimentary insurance policy document.
  • When can I use it? If you meet the requirements for domestic travel insurance and the vehicle hire agreement includes an excess cost.
  • Is there an excess cost? No.

How to make a claim under one of these policies

Call Allianz on 1800 072 791 or submit your claim through the Allianz online claim portal at https://claims.agaassistance.com.au/ .

Suncorp credit cards give you access to other types of insurance for items you buy. Here's a basic explainer of each one:

  • Purchase protection insurance: Offers cover for up to 90 days when you buy an item with your eligible card and it's then stolen, accidentally damaged or lost. It covers household and personal items such as laptops, shoes, jewellery and glasses.
  • Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.

Don't have complimentary insurance on your credit card yet? Compare Suncorp credit cards or check out other cards that offer insurance .

Does Suncorp credit card international travel insurance cover coronavirus?

For travel and claims made on or after 1 July 2023 will be eligible for some cover related to COVID-19. This includes:

  • Overseas emergency assistance
  • Overseas emergency medical
  • Cancellation
  • Additional expenses

To make a claim, you need to be positively diagnosed with COVID-19 (or another pandemic/epidemic disease) and meet all the other requirements for a claim. This also extends to an eligible spouse or dependants travelling with you – but won’t apply if you’re travelling against government advice. As there are lots of conditions to meet for this type of cover, make sure you read the policy booklet or call Allianz on 1800 072 791 before you travel.

Can I get proof of my cover?

If you need proof of insurance beyond what's in the policy booklet, call Allianz on 1800 072 791.

suncorp travel card review

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

More guides on Finder

This Suncorp credit card lets you choose to earn Qantas Points for a $49 yearly fee, and offers complimentary international travel insurance. So is it worth it?

A platinum card with 120,000 bonus Suncorp Credit Card Rewards Points, a balance transfer offer and complimentary insurance covers.

With additional cardholders, interest-free days on purchases and a choice of rewards, will this Suncorp credit card fit with your business goals?

The Suncorp Bank Clear Options Standard Card offers a 0% introductory balance transfer offer, along with a low ongoing purchase interest rate and annual fee. Check out its other features here.

This is one of only a handful of gold credit cards on the market in Australia, and it also offers rewards. Check out its other features here.

With a Suncorp Rewards credit card, you’ll earn points per $1 on eligible spending – so is it worth it?

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10 Responses

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What is’ Take flight program’ in regard to credit card insurance.

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Hi Margaret,

Thanks for contacting Finder.

The Take Flight Program is the service which allows the redemption of Points for travel Rewards. Please ensure that you use the Take Flight Program to get your ticket.

I hope this helps.

Regards, Faye

I believe that international insurance is recommended for domestic cruises. Does the platinum card cover this?

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Hi Colleen,

Thank you for your question and for contacting finder.com.au – we are a financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site.

I’m afraid that the complimentary travel insurance attached to the Platinum Card holders would not be available for domestic cruises. The full and comprehensive complimentary international travel insurance is outlined in the PDS. For your reference, I emailed you the page where you can find the link to the PDS.

Cheers, May

Is there an age limit for an travel insurance ?

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Hi Mr. Scholz.

Thank you for your inquiry.

There was no age limit expressed in the credit card insurance terms and conditions. You may get in touch with Allianz Global Assistance on 1800 072 791 to confirm the age eligibility.

Cheers, Jason

what is the contact number for Zurich assistance if we need to contact them while in U.S.

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Hi Richard, thanks for your inquiry!

Please refer to the link I have sent to your email for the contact page and emergency contact numbers which you can contact whilst overseas.

I hope this has helped.

Who do we contact if we need to make a claim?

Thanks for your inquiry.

The issuer of insurance for Suncorp bank is Zurich Australian Insurance Limited. Please note that neither Citibank (which is the credit issuer for Suncorp) nor Suncorp is the issuer of insurance covers, so if you need to file a claim please contact Zurich Insurance directly.

I hope this answers your question.

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Suncorp Credit Cards

Suncorp clear options platinum credit card.

Updated 31 May 2024

Enjoy 120,000 bonus Suncorp Credit Card Rewards Points when you apply by 18 June 2024 and spend $3,000 on eligible transactions in the first 90 days from approval. Plus, save with 0% p.a. for 9 months on balance transfers. Reduced annual fee of $99 for the first year. Reverts to cash advance rate. No interest free days are available on retail purchases while you have a balance transfer. T&Cs apply.

Points Earn Rate (per $1 spent)

1.25 points

Rewards Program

Suncorp Rewards

Bonus Points

120,000 pts

Spend $3,000 in the first 90 days

Annual Fee (p.a.)

first year then $129

• 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points."> 0 points over 12 months spend

My monthly card spend, you could earn • 30 days is indicative of 1 month • point caps are reset every statement period, which we have also assumed to be 1 month • there is a fixed monthly spend for 365 day. • your monthly spend is multiplied by the earn rate for that 12 months. • you’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • points capping is factored in, if applicable, as is any sign-up bonus. bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">.

114,000 points

over 12 months

  • Pros & cons
  • Rates & fees
  • Rewards & points
  • Eligibility

Pros and cons

  • 120,000 bonus Suncorp Rewards Points when you spend $3,000 on eligible transactions in the first 90 days from approval
  • Reduced annual fee of $99 on the first year, $129 thereafter
  • 0% p.a. for 9 months on balance transfers. Reverts to cash advance rate.
  • Suncorp Rewards Program offers earning of up to 1.25 point for every $1 spent
  • Rewards program is compatible with Qantas frequent flyer program
  • 24/7 Personal Concierge Service
  • Complimentary Overseas Travel insurance
  • Complimentary Interstate Flight Inconvenience insurance
  • Complimentary Purchase Cover insurance
  • Complimentary Extended Warranty cover
  • Up to four additional cardholders for no extra cost
  • Up to $30,000 credit limit if meeting customer criteria
  • Qantas Frequent Flyer reward point earn rate is 0.5 reward points for every $1 spent and capped earn at $8,000 per statement period

Creditcard.com.au review

Editor review, the suncorp clear options platinum credit card.

Looking for some nice, clear options when choosing your next credit card? How about the Suncorp Clear Options Platinum Credit Card? Okay, bad joke. Seriously though, this is a pretty decent card, with pretty decent intro offers on the table.

Yep, with this card, you can enjoy 120,000 bonus Suncorp Credit Card Rewards Points when you spend $3,000 on eligible transactions in the first 90 days from approval, and 0% p.a. for 9 months on balance transfers. Not bad at all.

The chunk of bonus points this card offers can be redeemed for flights, accommodation, and exciting products at partner stores, making it a suitable option if you are planning to go on a trip or simply looking to boost your points balance.

If you have an existing card debt, taking advantage of the 0% balance transfer intro offer can help you clear your balance faster.

This card also offers a very workable rewards program and some very nice features. Want to find out more? Let’s get into it.

What we love…

So we’ve covered the intro offer, now let’s look at what else this card provides. This is a platinum rewards card. That means it offers some handy platinum perks, as well as a rewards program with a respectable earn rate.

If you opt for the Suncorp Bank Rewards Program, you can earn 1.25 Suncorp Rewards Points for every $1 spent on the card. This can be redeemed for travel, merchandise, gift cards and more. Alternatively, you could choose to join the Suncorp Bank Qantas Frequent Flyer program, where you would earn 0.5 Qantas Points for every $1 spent.

On to the platinum perks. You will usually notice certain similarities between platinum cards and their perks. Platinum cardholders have come to expect certain niceties, don’t you know. This platinum card, like many others, offers a range of complimentary insurances.

In terms of travel cover, cardholders can enjoy the peace of mind from having international travel insurance, transit accident insurance and interstate flight inconvenience insurance. Purchases are also covered, under the card’s guaranteed pricing scheme and purchase cover.

Anything else in the way of platinum extras? Cardholders can benefit from the services of a personal concierge, available 24/7. There are also special offers and discounts to be had, offering exclusive tickets to sporting, music and theatre events, dinner and travel packages, sightseeing tours and more.

What’s not so great…

No one likes being a downer, but here goes. The purchase rate like most rewards cards, is high at 20.74% p.a.

You’ll also have to pay $49 per year if you choose to earn rewards on the Suncorp Bank Qantas Frequent Flyer program.

Why should you choose this card?

If you’re looking for a decent rewards card with some very nice platinum features, this card may well be for you. You can earn points as you spend, plus you can have up to four free additional cardholders helping you accumulate points. If you need a higher than average credit limit, you may get approved for up to $30,000 on this card, and if you need it, you can enjoy up to 55 days interest free on retail purchases.

Overall Rating

Nice rewards card with a respectable earn rate, some very pleasant extras and a suitably lovely bonus introductory offers.

User reviews

Suncorp clear options platinum credit card ( based on 14 creditcard.com.au user reviews ), 55% rating based on 14 reviews, customer service, 86% of users who have rated this card would recommend it, review the suncorp clear options platinum credit card.

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Personal Finance Expert - Creditcard.com.au

the refund process takes months, and the citibank representing Suncorp and asks you a lot of questions. and there are some hidden transaction fees.

Rates and fees

Interest rates.

Purchase rate 20.74 % p.a.

Cash advance rate 21.99 % p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0 % p.a. for 9 months

Balance transfer revert rate 21.99 % p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit 80% of approved credit limit

Brands you can't balance transfer from Bank of Queensland, Citi, Coles, IMB, Qantas Money, Suncorp, Virgin Money

Credit limits

Minimum credit limit $6,000

Maximum credit limit $100,000

Fees & repayments

Annual fee $129 p.a.

Additional cardholder fee Up to 4 at no extra cost

Foreign transaction fee 3.40%

Minimum repayment 2% or $30 (whichever is greater)

Annual fee the first year $99

Cash advance fee 1.50% (international); $3.50 or 3.5%, whichever is greater (domestic)

Late payment fee $30

Rewards and points

Rewards program

Bonus points 120,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 in the first 90 days

Earning points with this card

Rewards Rewards points 1.25 points per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance.

International Travel Insurance Yes

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Guaranteed Pricing Scheme

The Suncorp Clear Options Platinum card offers rewards 1.25 point earned per $1 spent alongside a platinum concierge, with the option to opt in to a Suncorp Qantas Frequent Flyer rewards scheme. With the Suncorp Platinum, you can enjoy the flexibility of higher credit levels as well as benefit from a great rewards system. The rewards points are convertible to Qantas Frequent Flyer points, and are uncapped and do not expire as long as the account is open.

Key features

  • 120,000 bonus Suncorp Credit Card Rewards Points when you spend $3,000 on Eligible Transactions in the first 90 days from approval

Minimum criteria to apply for this card

Be over 18 years old

Good Credit and have not applied for multiple credit cards recently

Australian Permanent Resident

Minimum income of $35,000 p.a.

You have your personal details ready to complete the online application

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

38 questions (showing the latest 10 Q&As)

Mervyn ryan, jennifer egan, laurene mary king, kevin foster, charles n csabi, globalspark, travis jones, brodie johnson, featured credit cards.

$1 earn rate  

Points earning • 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">

Qantas Premier Platinum Credit Card

Limited time super-sized Qantas Points

Earn 70k when you spend $3,000 within the first 3 months, plus 30k when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months with a 2% BT fee. Save 20% on flights for you and 8 friends. Complimentary travel insurance.

Up to 100,000 bonus Qantas Points

Earn 70,000 when you spend $3,000 within the first 3 months, plus 30,000 when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months with a 2% BT fee. Discounted annual fee for the first year.

Earn rate per $1

Bonus points.

Go to offer

save card more info

ANZ Rewards Platinum Credit Card

100,000 extra anz reward points and $50 back.

Low fees, big points and perks galore: Bonus points are worth a $400 Gift Card from Bunnings, Woolworths, Myer, and more (min spend and T&Cs apply). Earn up to 1.5 points per $1 on eligible purchases to redeem for merch, cash back, gift cards and travel. Get complimentary overseas and domestic travel insurance and rental vehicle excess cover in Australia.

100,000 extra ANZ Reward Points and $50 back when you spend $2,000 on eligible purchases in the first 3 months from approval. Complimentary International Travel Insurance and Interstate Flight Inconvenience Insurance.

Qantas American Express Ultimate Credit Card

Up to 90,000 bonus qantas points.

Spend $3,000 within the first 3 months (70,000 pts) + 20,000 pts in your second year upon fee renewal. $450 Qantas Travel Credit to use on eligible domestic or international Qantas flights each year. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. T&Cs apply.

Spend $3,000 within the first 3 months (70,000 pts) + 20,000 pts in your second year upon fee renewal. $450 Annual Qantas Travel Credit. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. Add 4 additional cardholders for free.

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Find the best credit card for you

Best family travel credit cards of 2024, unlock award flights, hotel stays and airport lounge access with the top family travel credit cards..

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Family travel is a rewarding but complicated endeavor, and every family member you add to the trip increases the cost. However, planning ahead and using the right travel credit card can save you money and make your trips more comfortable.

The best family travel credit cards earn valuable points, miles or cash-back and offer benefits like airport lounge access that the whole family can enjoy. Here are CNBC Select's top picks for families looking to upgrade their next vacation. (See our methodology for more information on how we choose the best travel credit cards for families.)

Best family travel credit cards

  • Best for no annual fee: Wells Fargo Autograph℠ Card
  • Best for domestic flights: Southwest Rapid Rewards® Priority Credit Card
  • Best for lodging:   Chase Sapphire Preferred® Card
  • Best for airport lounge access: Capital One Venture X Rewards Credit Card (see rates and fees )
  • Best for fair credit: Citi Double Cash® Card

Best for no annual fee

Wells fargo autograph℠ card.

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

Welcome bonus

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

$0 annual fee

0% intro APR for 12 months from account opening on purchases

Regular APR

20.24%, 25.24%, or 29.99% variable APR

Balance transfer fee

Up to 5%, min: $5 

Foreign transaction fee

Credit needed.

Excellent/Good

See rates and fees , terms apply.

  • No annual fee
  • Solid rewards on broad spending categories
  • 0% intro APR offer
  • Get up to $600 cell phone protection (subject to a $25 deductible)
  • Valuable welcome offer
  • Access to My Wells Fargo Deals to earn cash back in the form of an account credit when shopping, dining
  • No balance transfer offer

Who's this for?  The Wells Fargo Autograph℠ Card stands out for those seeking a no-annual-fee travel credit card as it has a long list of 3X bonus categories and earns transferrable points.

Standout benefits: The points earned with this card can be transferred to a growing list of airline and hotel partner programs, including British Airways Executive Club, Avianca LifeMiles and Air France/KLM Flying Blue. Having these various redemption options increases the value of your points as it allows you to take advantage of sweet spots with different programs.

[ Jump to more details ]

Best for domestic flights

Southwest rapid rewards® priority credit card.

Earn 3X points on Southwest® purchases, 2X points on local transit and commuting, including rideshare; 2X points on internet, cable, and phone services; select streaming. 1X points on all other purchases

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

21.49% - 28.49% variable

5%, minimum $5

Foreign transaction fees

Terms apply.

  • Southwest upgraded boarding on up to 4 tickets per year
  • 7,500 bonus points on each account anniversary
  • $75 Southwest annual travel credit
  • 4 upgraded boardings per year when available
  • $149 annual fee
  • No special financing offers

Who's this for?  With free checked bags for all passengers and a family-friendly seating policy, Southwest is great for families, and the Southwest Rapid Rewards® Priority Credit Card can help you save on your trips.

Standout benefits: This card can help families earn the Southwest Companion Pass more easily as the points from its welcome bonus count toward the 135,000-point threshold. Cardholders also receive a 10,000-qualifying-point boost every calendar year. The Southwest Companion Pass is valuable for families as it allows you to bring along a guest on any Southwest flight for the cost of taxes and fees.

Best for lodging

Chase sapphire preferred® card.

Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

21.49% - 28.49% variable on purchases and balance transfers

Either $5 or 5% of the amount of each transfer, whichever is greater

Read our Chase Sapphire Preferred® Card review .

  • Points are worth 25% more when redeemed for travel via Chase Travel℠
  • Transfer points to leading frequent travel programs at a 1:1 rate, including: IHG® Rewards Club, Marriott Bonvoy™ and World of Hyatt®
  • Travel protections include: auto rental collision damage waiver, baggage delay insurance and trip delay reimbursement
  • No fee charged on purchases made outside the U.S.
  • $95 annual fee
  • No introductory 0% APR

Who's this for?  The Chase Sapphire Preferred® Card is an amazing all-around travel card, but can be especially valuable for booking your hotel stays and other lodgings.

Standout benefits: The points earned with this card can help you book everything from an Airbnb to a suite in a luxury hotel. At a minimum, Chase Ultimate® Rewards points are worth one cent for statement credits and gift cards. However, your points are automatically worth 25% more when redeemed through the Chase Travel SM portal and potentially more when transferred to one of Chase's airline or hotel partners.

Best for airport lounge access

Capital one venture x rewards credit card.

Unlimited 2X miles on all eligible purchases, and 5 Miles per dollar on flights and 10 Miles per dollar on hotels and rental cars when booked via Capital One Travel portal

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

19.99% - 29.99% variable APR

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Read our Capital One Venture X Rewards Credit Card review.

  • Large welcome bonus
  • No foreign transaction fees
  • Up to $100 statement credits for either Global Entry or TSA PreCheck®
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • High annual fee
  • No introductory 0% APR period

Who's this for? The Capital One Venture X Rewards Credit Card is great if you're looking for a premium credit card with easy-to-use benefits.

Standout benefits:  This card offers generous airport lounge access, including unlimited access to Capital One Lounges , Priority Pass Lounges and Plaza Premium lounges. You can bring up to two guests to Capital One and Plaza Premium lounges and unlimited guests to Priority Pass Lounges. Better yet, airport lounge access benefits extend to authorized u sers on your card, and you can add up to four for no additional fee.

Best for fair credit

Citi double cash® card.

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

0% for the first 18 months on balance transfers; N/A for purchases

19.24% - 29.24% variable

For balance transfers completed within 4 months of account opening, an intro balance transfer fee of 3% of each transfer ($5 minimum) applies; after that, a balance transfer fee of 5% of each transfer ($5 minimum) applies

Fair/Good/Excellent

Read our Citi Double Cash® Card review.

  • 2% cash back on all eligible purchases
  • Simple cash-back program that doesn't require activation or spending caps
  • One of the longest intro periods for balance transfers at 18 months
  • 3% fee charged on purchases made outside the U.S.
  • Estimated rewards earned after 1 year:  $443
  • Estimated rewards earned after 5 years: $2,213

Who's this for? The Citi Double Cash® Card is perfect for families with less-than-perfect credit who don't want to bother with a complicated rewards program.

Standout benefits: Most cash-back credit cards and rewards credit cards earn 1% back or 1X points on purchases that fall outside of special bonus categories. With the Citi Double Cash , you get double the return: 1% cash back when you buy and 1% cash back when you pay. Over time this adds up and there is no limit to how much cash back you can earn.

More on our top credit cards for family travel

The Wells Fargo Autograph℠ Card is a rare no-annual-fee card that earns transferrable travel rewards.

  • 3X points at restaurants
  • 3X points on travel
  • 3X points on gas
  • 3X points on transit
  • 3X points on popular streaming services
  • 3X points on phone plans
  • 1X points on all other purchases

Earn 20,000 bonus points after spending $1,000 on purchases with the card in the first three months of account opening.

Notable perks

One of the best features of this card is its ability to transfer points to travel partners. You can transfer Wells Fargo rewards to these airline and hotel programs:

  • Aer Lingus AerClub
  • Air France/KLM Flying Blue
  • Avianca LifeMiles
  • British Airways Executive Club
  • Iberia Plus
  • Choice Hotels

If you prefer simplicity, you can still redeem your points for one cent each for statement credits, gift cards and travel booked through the Wells Fargo rewards site.

When you pay your monthly phone bill with the card, you'll not only earn 3X points but also qualify for cell phone protection . This coverage will reimburse you for up to $600 per claim with a $25 deductible (up to two claims per 12 months). It also has no foreign transaction fee, roadside dispatch, travel and emergency assistance and rental car collision coverage (secondary in the U.S.).

New cardholders also receive an intro 0% APR on purchases for the first 12 months, then a variable 20.24%, 25.24% or 29.99% applies.

[ Return to card summary ]

The Southwest Rapid Rewards® Priority Credit Card is a family-friendly airline card with more than enough benefits to justify its annual fee.

  • 3X points on Southwest purchases
  • 2X points on hotel and rental cars booked through Southwest
  • 2X points on local transit
  • 2X points on internet, cable and phone services

Earn 50,000 bonus points after spending $1,000 on purchases in the first three months of account opening.

The points you earn from this card's welcome offer and spending on the card can help you earn a Southwest Companion Pass. On top of that, you also receive a 10,000-qualifying-point boost every calendar year. Anyone pursuing Southwest elite status will appreciate the opportunity to earn 1,500 tier qualifying points (TQPs) for every $5,000 you spend annually with no cap on the number of TQPs you can earn.

Every year, you'll receive two benefits that can offset the annual fee alone: A $75 Southwest travel credit and 7,500 bonus points. Experts value Southwest points at around 1.3 cents per point , which makes the annual bonus points worth roughly $97.50 in Southwest flights.

Every Southwest ticket comes with two free checked bags , no cancellation fees and no change fees, and with this card, you'll get reimbursed for up to four upgraded boardings per year. Southwest doesn't have assigned seats, so upgraded boarding becomes more valuable, especially for families that need to sit together. If you don't want to pack snacks for the trip, you'll receive 25% back on inflight purchases when you use this card.

The Chase Sapphire Preferred® Card is a popular travel rewards card with useful benefits and a lucrative welcome bonus, all for an annual fee under $100 .

  • 5X points per dollar on travel purchased through Chase Travel℠
  • 5X points per dollar on Lyft rides through Mar. 31, 2025
  • 5X points on Peloton equipment and accessory purchases over $150 (through March 31, 2025; max of 25,000 total points)
  • 3X points per dollar on dining
  • 3X points per dollar on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • 3X points per dollar on select streaming services
  • 2X points per dollar on all other travel purchases
  • 1X points per dollar on all other purchases

Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

The Chase Sapphire Preferred comes with many valuable protections, including  primary rental car insurance , trip cancellation and interruption insurance, purchase protection , extended warranty protection and baggage and trip delay insurance. On top of that, you pay no foreign transaction fee and for every card anniversary you'll receive a 10% points bonus based on how many points you earned the previous year.

You'll also have access to several statement credits, including up to $50 hotel credit for bookings you make through Chase's travel site. Cardholders can also register to receive six months of free Instacart+ membership (activate by July 31, 2024) and up to $15 back each quarter for Instacart purchases (through July 2024). You can also enroll to receive a complimentary DashPass membership for a minimum of one year when you activate by December 31, 2024.

Perhaps the best feature of this card is that it unlocks the ability to transfer Chase Ultimate Rewards points to 14 airline and hotel partners. Chase has a long list of valuable partners including United MileagePlus, Southwest Rapid Rewards, Air Canada Aeroplan, World of Hyatt Hyatt and more. You'll also receive a 25% bonus when you pay for travel you book through the Ultimate Rewards site, which means you'll get a value of 1.25 cents per point. Occasionally, Chase offers discounts on gift card redemptions and you may be able to pick up Airbnb gift cards for 1.1 cents per point.

The Capital One Venture X Rewards Credit Card is a top-rated travel credit card offering premium perks for a significantly lower annual fee than luxury cards with similar benefits. 

  • 10X miles per dollar on hotels and rental cars booked via Capital One Travel portal
  • 5X miles per dollar on flights booked via the Capital One Travel portal
  • 2X miles on all other eligible purchases

Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.

$395 (see rates and fees )

The Venture X's annual fee is one of the easiest premium credit card fees to justify thanks to its straightforward benefits. Every year cardholders receive up to $300 in Capital One Travel credit and 10,000 anniversary bonus miles, which are worth at least $100 in travel.

On top of that, when you apply for Global Entry or TSA PreCheck® you'll receive an application fee credit of up to $100. Once through security, enjoy unlimited access to Priority Pass airport lounges, Plaza Premium Lounges and Capital One Lounges. You can add up to four authorized users for no additional fee and each authorized user receives the same airport lounge access for themselves and guests.

Eligible purchases are covered by the following travel and purchase protections:

  • Rental car damage and theft insurance (primary)
  • Cell phone protection
  • Purchase security
  • Return protection
  • Extended warranty protection
  • Trip delay reimbursement
  • Trip cancellation and interruption insurance
  • Lost luggage reimbursement
  • Travel accident insurance
  • Travel and emergency assistance services

You can transfer the Capital One miles you earn with this card to partners like Air Canada Aeroplan, Avianca LifeMiles, Wyndham Rewards, Emirates Skywards and many more.

Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.

The Citi Double Cash® Card is a no annual fee cash-back credit card with a straightforward rewards structure and useful intro APR offer for balance transfers.

  • 5% total cash back on hotels, rental cars and attractions you book through Citi Travel (through Dec. 31, 2024)
  • 2% cash back on all other purchases (1% cash back when you buy and 1% cash back when you pay)

Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening. 

The Citi Double Cash is an excellent option for balance transfers because new card members receive an intro 0% APR on eligible balance transfers for the first 18 months, then a variable 19.24% - 29.24% APR applies. There is an intro balance transfer fee of 3% of the amount of each transfer ($5 minimum) for the first four months, after that the balance transfer fee is 5% of each transfer ($5 minimum).

While this is technically a cash-back card, it earns cash back in the form of Citi ThankYou points . You can redeem these points at a value of one cent each for statement credits, gift cards, travel and more. You also have access to a limited number of Citi's travel partners and can transfer the points you earn with this card to Wyndham Rewards, Choice Hotels or JetBlue TrueBlue.

How do I choose the best travel credit card for my family?

The best travel credit card for your family depends heavily on where you want to go and what you want to use credit card rewards and benefits for. Some cards are great for airline redemptions, while others are better for hotel stays or cash-back rewards. Knowing your travel goals can help you hone in on the right choice for your situation.

Can you add family members to a credit card?

You can add family members to your credit cards as authorized users. However, it's important to understand the fine print because there can be an additional fee for adding authorized users and authorized user card benefits may be limited.

Is it better to use Visa or Mastercard in Europe?

Visa and Mastercard are both widely accepted in Europe and beyond. Both of these payment networks tend to be more universally accepted in Europe than Discover or American Express.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel credit cards for families.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Our methodology

To determine which cards offer the best value for family travel, CNBC Select analyzed over 250 major credit cards issued through FDIC-insured banks and NCUA-insured credit unions that are widely available in the U.S.  

We compared each card on a range of features, including rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back).    We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.  

For the cards that offered a rewards program, we considered consumer spending data f orecasts from location intelligence firm Esri to determine where U.S. consumers are spending the most money, like on dining and travel. We used this to help determine what bonus categories are most useful for consumers. Since the value of a point or mile varies based on what they can be redeemed for, we also considered things like transferability and the ability to redeem for cash-back. 

When choosing the best family travel credit cards, we focused on cards that offer perks or rewards that make sense for families. 

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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comscore

suncorp travel card review

14 Best Travel Credit Cards of May 2024

Best travel cards main takeaways.

  • Money has evaluated hundreds of credit cards, comparing their fees, benefits, welcome offers, travel insurance policies and more.
  • The top credit cards for travel offer high rewards on travel purchases, which can be redeemed for airfare, hotel nights, cash back, statement credits or more.
  • Our picks feature the best travel cards for every budget and include no-annual-fee, low-annual-fee, premium and business cards.

Why Trust Us?

Our editorial team has spent well over a thousand hours analyzing, evaluating and comparing the top credit card offers in the market. We carefully vet each card’s fine print in order to understand their features, limitations and potential benefits for consumers. We review cards independently, ensuring our content is accurate and guided by editorial integrity. Read our full methodology to learn more.

  • 46 travel credit cards evaluated
  • 10+ data points used, including ongoing fees, reward programs and welcome offers
  • 100+ sources reviewed

Money.com has partnered with CardRatings.com for our coverage of credit card products. Money and CardRatings may receive a commission from card issuers. This site does not include all card companies or all available card offers. O ur top picks are listed strictly in alphabetical order.

Our Top Picks for Best Travel Credit Cards

Best no-annual-fee travel credit cards.

  • Bank of America® Travel Rewards Credit Card – Best no-annual-fee travel card for flat rate rewards
  • Bilt Mastercard® – Best no-annual-fee travel card for paying rent
  • Capital One VentureOne Rewards Credit Card – Best no-annual-fee card for travel partners
  • Chase Freedom Unlimited® – Best no-annual-fee travel card for domestic travel
  • Discover it® Miles – Best no-annual-fee travel card for simple rewards
  • Wells Fargo Autograph℠ Card – Best no-annual-fee travel card for everyday spending

Best low-fee-annual-fee travel credit cards

  • Capital One Venture Rewards Credit Card – Best travel card for flat-rate rewards
  • Chase Sapphire Preferred® Card – Best travel card for flexible rewards

Best premium travel credit cards

  • American Express® Gold Card – Best travel card for dining
  • Capital One Venture X Rewards Credit Card – Best low-cost premium travel card
  • Chase Sapphire Reserve® – Best premium travel credit card
  • The Platinum Card® from American Express – Best travel card for lounge access

Best business travel credit cards

  • The Business Platinum Card® from American Express – Best business travel card

Best airline travel credit cards

  • United℠ Explorer Card: Best airline credit card

Best Travel Credit Cards Reviews

Our top picks are listed in alphabetical order.

Best No-Annual-Fee Travel Credit Cards

  • No annual fee
  • No foreign transaction fees
  • Earns 1.5x points on all purchases
  • No bonus category for travel
  • Few benefits compared to other cards
  • Limited redemption options

Why we chose it: The Bank of America® Travel Rewards Credit Card is an easy-to-use card best suited for travel reward beginners or those who are already Bank of America customers.

Some cardholders can earn up to 75% more points if they are Bank of America Preferred Rewards members — that’s up to 2.62 points for every dollar spent.

However, the card doesn’t offer hotel and airline point transfer partners, travel insurance or extended warranty and purchase protection. Additionally, you can only redeem your points as statement credit to cover travel and dining purchases.

All information about Bank of America® Travel Rewards Credit Card has been collected independently by Money.com

  • No annual or foreign currency conversion fee (Click herehttps://www.wellsfargo.com/credit-cards/bilt/terms/">here; for rates and fees)
  • Use it to pay your rent and earn rewards without incurring any processing fees
  • You can earn double points on all purchase categories (except rent payments) on the first of every month (up to 10,000 points)
  • Earn 2x points on travel (when booked directly through an airline, hotels, car rental agencies and cruise lines)
  • No welcome bonus or introductory APR period
  • Points redeemed for statement credits are worth 0.55 cents each
  • You must make at least five transactions in a statement period to earn points
  • Rent payments can only be made to one rental property per month

Why we chose it: The Bilt Mastercard® lets you earn travel rewards on rent payments without incurring any processing fees — unlike most credit cards that typically charge around 2.5% to 2.9% per rent payment.

You can use the card to pay rent without worrying about surcharges. Once you get approved for the card, all you have to do is set up an account through the Bilt app or website and use your assigned routing and account number to pay rent through your usual payment portal. You can also use your card even if your landlord only accepts checks, and Bilt will send a check on your behalf.

Additionally, Bilt doubles the card’s rewards rates on the first of every month, which means you can earn 6x points on dining, 4x points on travel and 2x points on other purchases (up to 10,000 points per month). However, this bonus doesn’t apply to rent rewards.

On the downside, the Bilt Mastercard® doesn’t offer a welcome bonus, and points redeemed for statement credits are only worth 0.55 cents each.

  • Can transfer your miles to 16 travel partners
  • Earns 5x miles per dollar on hotels and rental cars booked through Capital One Travel
  • Doesn't earn bonus points on airfare
  • No domestic travel partners

Why we chose it: The Capital One VentureOne Rewards Credit Card is a great option if you’re looking for a no-annual fee travel credit card with a simple rewards structure.

You can use your miles to book travel through the Capital One Travel portal or as a statement credit to cover travel purchases made from airlines, hotels, rail lines, car rental agencies and more.

You can also transfer your points to one of Capital One’s 16 travel partners, which include international airlines such as Avianca and British Airways. This option is notable since travel credit cards with no annual fee don’t typically offer the option to transfer your reward to airline and hotel partners.

However, the card’s list of bonus categories is limited compared to some other no-annual-fee credit cards, and Capital One doesn’t offer bonus points on airfare booked through Capital One Travel.

  • Includes trip cancellation/interruption and car rental insurance
  • Features a high flat cash back rate combined and popular bonus categories
  • 3% foreign transaction fee

Why we chose it: The Chase Freedom Unlimited® is the best credit card for traveling domestically. It offers a 1.5% flat cash back rate on most purchases plus it has several appealing bonus categories, including travel and dining.

This card charges a 3% foreign transaction fee, that is, on any transactions made in currency other than US dollars. However, if you mostly travel within the U.S., this card is an excellent option.

For one, you’ll earn an additional 1.5% on each of the card’s bonus categories during the first year of card membership (or up to the first $20,000 spent).

Also, although using this card abroad is not recommended, you can still use it to book international trips while you’re home, and you’ll earn 5% cash back if you book it through Chase Travel℠.

You can redeem your rewards for cash back, travel, gift cards and even transfer them to other cards that earn Chase Ultimate Rewards® points. It’s also worth noting that this card is one of the few no-annual-fee credit cards with rental car coverage and trip cancellation and interruption insurance.

  • No annual or foreign transaction fees
  • Discover matches the total miles you earned at the end of the first year
  • Earns 1.5x miles on all purchases
  • See your FICO score on the Discover mobile app, online and on statements
  • Few benefits compared to other travel cards
  • Doesn't include extended warranty or purchase protection

Why we chose it: The Discover it® Miles Credit Card is a no-frills card ideal for travelers who don’t want to keep track of bonus categories, earning caps or redemption values.

The card earns a flat 1.5x miles on all eligible purchases without any annual caps. You can redeem your miles for statement credits and account deposits at a rate of 1 cent per mile. You can also use your rewards through Amazon and PayPal checkout with the same value.

Also, the card’s welcome bonus is easily one of the best in the market: Discover matches every mile you’ve earned at the end of your first membership year — without any spending requirements.

However, while the Discover it® Miles Credit Card is a great starter travel card, its lack of bonus categories could hinder your reward-earning potential in the long run. Additionally, Discover cards aren’t as widely accepted internationally as Visa Signature and World Mastercard, for example.

All information about the Discover it® Miles Credit Card has been collected independently by Money.com.

  • Earn 3x points on restaurants, travel, gas stations, select streaming services and cell phone plans
  • Includes cell phone protection plan
  • No airline or hotel transfer partners
  • Doesn't include travel insurance
  • Netflix and HBO are not eligible for streaming bonus

Why we chose it: The Wells Fargo Autograph℠ Card is the best travel reward card for everyday spending, offering high rewards on several popular spending categories, including travel, dining, gas, streaming services and cell phone plans.

Its travel bonus category is particularly noteworthy because you can earn points regardless of where you make your reservations, whether it’s directly with an airline or through a third-party travel site like Booking.com. (Most travel credit cards limit travel rewards to bookings made exclusively through the card issuer’s travel portal.)

The card also includes rental car insurance and a cell phone protection plan when you use it to pay your monthly bill.

All information about the Wells Fargo Autograph℠ Card has been collected independently by Money.com.

Best Low-Annual-Fee Travel Credit Cards

  • Earn 2x miles per dollar on most purchases
  • Up to $100 credit for Global Entry or TSA PreCheck(R)
  • Includes travel accident and car rental insurance
  • Fewer bonus categories than other cards with a similar annual fee ($95)
  • Doesn't offer travel rewards for flights
  • Car rental insurance is secondary

Why we chose it: The Capital One Venture Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture Rewards is ideal for those who want to get the most out of their spending without worrying about tracking bonus categories and spending caps.

You can redeem your miles on the Capital One travel portal and as statement credits to cover travel purchases at a value of one cent per mile. Additionally, you may transfer your miles to more than 15 airline and hotel partners.

However, keep in mind that Capital One doesn’t have domestic travel partners, which can be a drawback if you mainly travel within the U.S.

  • Points are worth 25% more when redeemed for travel purchases through Chase TravelSM
  • Receive a point bonus each account anniversary
  • Includes primary rental car insurance
  • Earn 3x per $1 on dining, including eligible delivery and takeout meals, select streaming services and grocery purchases
  • $95 annual fee
  • Doesn't offer a Global Entry/TSA PreCheck(R) application fee credit

Why we chose this card: The Chase Sapphire Preferred® Card is the best travel credit card for frequent travelers who want to earn valuable rewards while paying a low annual fee.

The card features six reward categories that offer outstanding rewards on flights, hotels, restaurants and more. You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through the Chase Travel℠ portal, which increases your point’s usual one-cent value by 25%.

You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through Chase Travel℠, which increases your point’s usual one-cent value by 25%.

You can also transfer your points to one of Chase’s 14 travel partners at a 1:1 ratio (one Chase point equals one hotel point or airline mile). These include popular airlines and hotels like JetBlue, Southwest, United, Marriott and Hyatt.

Best Premium Travel Credit Cards

  • Earns 4x points on restaurants worldwide, takeout and food delivery within the U.S.
  • Up to $120 in annual dining credits, issued as a $10 statement credit per month for select restaurants (enrollment required)
  • Up to $120 as Uber Cash annually ($10 per month) for food delivery orders and rides in the U.S. after you add the American Express(R) Gold Card to your Uber account
  • Earn 4x points at U.S. supermarkets (on up to $25,000 per calendar year, then 1x)
  • High annual fee ($250)
  • Includes few travel perks and insurance policies compared to similarly priced cards

Terms apply. Please click here for applicable rates and fees.

Why we chose it: The American Express® Gold Card is ideal for foodies, offering a high reward rate at restaurants worldwide and U.S. supermarkets, takeout and food delivery. (Terms apply.)

The American Express® Gold Card also offers statement credits worth up to $240 combined — almost enough to offset the card’s $250 annual fee. These include:

  • Up to $120 every year in dining credits ($10 per month) for select restaurants and food delivery services. The list includes Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and Shake Shack (Enrollment required)
  • Automatically get $10 monthly in Uber Cash to use on Uber Eats or Uber rides in the U.S. (after you add the American Express® Gold Card to your account)
  • $100 credit for dining, spa services and other activities when you book a two-night minimum stay at a hotel from The Hotel Collection through American Express Travel
  • Terms apply

However, note that the American Express® Gold Card offers fewer travel perks than some other premium cards — for instance, it doesn’t offer trip cancellation and interruption insurance or TSA PreCheck® or CLEAR® Plus fee credits.

  • 10,000 bonus miles every year
  • Statement credit of up to $300 for bookings made through Capital One Travel
  • Up to a $100 credit on Global Entry or TSA PreCheck(R)
  • Skip the line and get car upgrades when renting a car with Hertz
  • High annual fee ($395)
  • Fewer bonus categories than other premium cards
  • No domestic airline transfer partners

Why we chose it: The Capital One Venture X Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture X also includes noteworthy perks such as:

  • 10,000 bonus miles every year (starting on your first anniversary)
  • $300 annual credit for bookings through Capital One Travel
  • Up to a $100 credit for Global Entry or TSA PreCheck®
  • Access for you and two guests to 1,300+ lounges worldwide with Priority Pass™ Select and Plaza Premium Group
  • Authorized users at no extra cost (many cards have an annual fee of $75 or more for each additional user)

All in all, the Venture X is a solid option that can easily compete with other premium travel cards, especially considering its more affordable annual fee.

  • Up to $300 in statement credits each anniversary year to cover travel purchases
  • Transfer your points to 14 travel partners (including United, Southwest, JetBlue and Marriott)
  • Points worth 50% more when redeemed for travel expenses through Chase TravelSM
  • Comprehensive travel insurance coverage, including emergency dental insurance
  • High annual fee ($550)
  • Doesn't include a cell phone protection plan

Why we chose it: The Chase Sapphire Reserve® is the best credit card for travelers looking for a high reward rate on travel and additional benefits like comprehensive travel insurance and airport lounge access worldwide.

Your points are worth 50% more when you redeem them for travel through the Chase Travel℠ portal. This means each point is worth 1.5 cents per point instead of one cent, like most travel cards. Also, the Chase Sapphire Reserve® provides several high-end benefits such as:

  • $300 annual travel credit to cover travel-related purchases like airfare, hotels, car rentals, rideshares, buses, trains, tolls and/or parking
  • Access for you and two guests to 1,300+ airport lounges worldwide (after a one-time enrollment in Priority Pass™ Select)
  • Statement credit of up to $100 every four years for Global Entry, TSA PreCheck® or Nexus

The Sapphire Reserve does have a $550 annual fee. But if you take advantage of the $300 annual credit and other perks, the benefits can definitely outweigh its cost.

  • Access to the widest network of airport lounges of any card
  • Complimentary elite status in the Marriott and Hilton hotel loyalty programs
  • Hundreds of dollars in annual statement credits for travel, dining and more
  • High annual fee ($695)
  • Doesn't include baggage delay, travel accident and primary rental car insurance
  • Limited bonus categories

Terms apply. Click here for rates and fees.

Why we chose this card: The Platinum Card® from American Express offers a list of premium benefits that no other travel card offers, including the widest network of airport lounges and room upgrades at Hilton and Marriott hotels. (Terms apply.)

The Platinum Card® from American Express features an impressive list of high-end travel benefits, including:

  • Complimentary access to over 1,400 airport lounges, including Priority Pass, Delta SkyClub and Amex’s own Centurion lounges (enrollment required)
  • Gold status in the Marriott and Hilton loyalty programs, which makes you eligible for room upgrades, free breakfast and late checkouts (enrollment required)
  • $200 back each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings made through American Express Travel and paid with your Platinum Card® (Hotel Collection bookings require a minimum two-night stay)
  • Up to $200 per year when incidental fees, such as checked bags, are charged by the airline to your Platinum Card® (with one selected qualifying airline)
  • Complimentary premium status in Avis Preferred®, Hertz Gold Plus Rewards®, and/or National Car Rental® Emerald Club (must enroll through your Amex online account using your card)

The Platinum Card® from American Express does have a hefty $695 annual fee. However, for people who travel often and will take advantage of its annual credits and travel perks, it might almost pay for itself.

Best Business Travel Credit Cards

  • 5X points on flights and prepaid hotels booked through AmexTravel.com
  • Around $1,000 in yearly statement credits for select business purchases
  • Access to a wide network of airport lounges (terms apply)
  • Around $600 in perks in Fine Hotels + Resorts(R) locations booked through American Express Travel (for stays of two nights)
  • Secondary rental car coverage**

Why we chose it: The Business Platinum Card® from American Express features an extensive list of benefits that make it an ideal travel and business credit card.

With this card, you can access over 1,400 airport lounges worldwide, comprehensive travel insurance and extra amenities at hundreds of hotels, like daily breakfast and free internet access. Additionally, you get a $200 credit to cover baggage fees, in-flight refreshments and more and up to $100 for Global Entry or $85 for TSA PreCheck® every four or 4.5 years respectively. (Terms apply.) (Enrollment required.)

The card also offers several yearly statement credits for business-related purchases that include up to $400 per year ($200 between January and June and $200 between July and December) for U.S. purchases with Dell.

The Business Platinum Card® from American Express does have one of the steepest annual fees ($695) among travel credit cards, but its extensive list of benefits makes it a no-brainer for business owners who travel frequently.

Best Airline Travel Credit Cards

  • Free first checked bag for you and a companion
  • Up to $100 as a statement credit for Global Entry, TSA PreCheck(R) or NEXUS every 4 year
  • 25% back as a statement credit on food, beverages and Wi-Fi on board United-operated flights
  • Complimentary priority boarding for you and companions traveling on the same reservation
  • $95 annual fee (after the first year)
  • No intro APR period
  • Rewards are only valuable when used with United

Why we chose it: The card_name has a low annual fee and gives you valuable benefits that make up for it, such as priority boarding for everyone on the reservation and a free checked bag for you and one companion.

Other perks the card includes are:

  • Two one-time passes for United Club℠ airport lounges each account anniversary year
  • 25% back as a statement credit on in-flight purchases like food, beverages and Wi-Fi
  • Up to $100 every four years to cover the cost of TSA PreCheck®, Global Entry or NEXUS
  • Comprehensive travel insurance (auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance and trip delay reimbursement)

The United℠ Explorer Card earns miles on United purchases, including tickets, inflight food, beverages, Wi-Fi and more. You also earn rewards at restaurants and select hotel stays.

You can use your miles to book flights on United Airlines or its partners, including Avianca, Lufthansa and Air Canada. You can also redeem them for seat upgrades, inflight Wi-Fi passes and more — although United miles are usually more valuable when used for airfare.

Travel Credit Cards Guide

The best credit cards for travel do more than offer high reward rates on flights and hotel stays. They also provide rewards for everyday spending and perks such as travel insurance , airport lounge access and annual statement credits.

Here’s a rundown of how these cards work:

What is a travel credit card?

Travel credit cards offer benefits and rewards geared towards individuals who travel frequently or want to earn travel benefits.

They provide high rewards for travel-related expenses such as flights, hotels, rental cars and dining. You can then use these rewards (in the form of points or miles) to book travel reservations. Some cards also let you transfer your rewards to hotel and airline partners or redeem them for statement credits, cash back, gift cards and more.

On top of the rewards, these cards often feature several travel-related perks, such as no foreign transaction fees, hotel discounts, travel insurance, free checked bags and airport lounge access.

How do travel credit cards work?

Travel credit cards give you a certain number of points or miles per dollar on eligible purchases. They often offer around 5x points or more for airfare, hotel rooms, rental cars and more. Some cards may also count parking, bus fares, taxis, tolls and ferries as travel purchases.

Besides travel, you’ll typically get bonus points in additional spending categories. For example, some cards may offer 3x points per dollar on dining, groceries, drugstores or streaming services. All other eligible purchases usually get at least one point (1x) per dollar.

You can then redeem your points for flights, hotels, car rentals, cruises and more. Card issuers also usually let you redeem your points for non-travel options like statement credits, cash back or gift cards.

How to use credit card points for travel

Travel credit cards have rewards programs through which you can earn points (or miles). Well-known point programs include Chase Ultimate Rewards®, American Express Membership Rewards® and Citi ThankYou® Rewards.

To redeem your points, go to your travel card’s rewards program portal. The process may differ across credit card issuers, but you’ll usually be able to access it through your online account on the issuer’s website or app.

Points are usually worth one cent each. However, some issuers increase their value if you redeem them for travel. For example, Chase Sapphire Preferred® Card points are worth 1.25 cents when used to book flights through the Chase Travel℠ portal.

Points may also be worth less than a cent, depending on how you redeem them. For example, some cards allow you to use your points at Amazon checkout. While this might sound convenient, this option may bring down the value of points to around 0.8 cents.

Some cards also allow you to transfer your rewards to select airline and hotel partners. Typically, you can transfer rewards to these loyalty programs on a 1:1 ratio, meaning that 1,000 credit card points are worth 1,000 loyalty program points.

Difference between points and miles

You’ll earn points or miles depending on which travel credit card you have. For example, Chase travel credit cards earn points, while Capital One travel cards earn miles. Miles and points typically have similar value (around one cent each) and redemption options.

However, keep in mind that several cards that earn miles are tied to a specific airline — like the United℠ Explorer Card. In this case, you can only use your rewards for purchases with the issuing airline such as flights, seat upgrades, inflight dining and more.

Pros and cons of travel credit cards

  • Some cards offer up to 10x points per dollar on travel purchases.
  • Many have additional bonus categories for dining, grocery shopping and more.
  • They may include travel benefits like priority boarding, airport lounge access and late hotel checkouts.
  • Points or miles can also be redeemed for cash back, statement credits, gift cards and more.
  • Highest reward rates are usually limited to purchases made through the card issuer's travel portal.
  • They might not offer high rewards on spending outside of the travel category.
  • Some of the best ones can have steep annual fees and require good to excellent credit
  • Redeeming points or miles for anything other than travel can reduce their value to less than one cent per dollar.

Types of travel credit cards

Here’s a rundown of the differences between the three main types of travel credit cards:

Airline credit cards

Airline credit cards are ideal for people who regularly fly with the same airline. These cards earn miles you can redeem for flights, seat upgrades, inflight dining, airport lounge access and other travel-related purchases but typically only with the issuing airline.

Some of the best airline travel credit cards include benefits like free checked bags, priority boarding and discounts on in-flight purchases.

Hotel credit cards

With hotel credit cards, you can only redeem your points for stays, discounts and other benefits with one particular hotel chain.

For example, the Hilton Honors American Express Surpass® Card earns points for Hilton’s loyalty program, which you can redeem for free nights in the company’s properties, including Hilton Garden Inn and Waldorf Astoria hotels.

Hotel credit cards may also offer complimentary breakfast, room upgrades, late checkouts and bonus points for purchases made during your stay.

General travel credit card

General travel credit cards are more flexible than airline or hotel cards. They aren’t affiliated with a single airline or hotel chain, so their points can be used to book flights, hotel stays, rental cars and more from different companies.

These cards may also offer useful perks for frequent travelers, like airport lounge access. They can also cover the cost of a Global Entry or TSA PreCheck® membership, which allows you to skip the long lines at airport security or customs.

How to choose a travel credit card

Picking the best travel rewards credit card boils down to how often you travel, which cardmember perks you’d benefit the most from and the categories you spend the most on.

Here are some factors to keep in mind when choosing the best card for you:

  • Do you travel often? A travel rewards credit card offers high reward rates on travel spending, and you’ll get the most bang for your buck when you use their points on flights, hotels and car rentals. If you don’t take trips often but want to pile up rewards, a cash-back credit card might be a better fit.
  • Assess your everyday spending. Many travel cards have additional bonus categories other than travel, like dining, supermarkets, streaming services and drugstores. Consider your day-to-day spending habits and pick a card with bonus categories that fit your lifestyle.
  • Consider the card’s annual fees. No-annual-fee travel cards usually have few travel benefits. The best travel credit cards charge annual fees of at least $90 and can go as high as $700. However, these are often best for those that travel enough to take advantage of their benefits.
  • General travel card vs co-branded cards. General travel cards have more flexible redemption options. On the other hand, co-branded cards are often tied to a specific airline or hotel, which can limit your options. Still, they do provide valuable perks like free checked bags, in-flight discounts and hotel upgrades.
  • Compare extra travel perks. Some cards offer extras like annual statement credits for flights and hotels or upgrades when renting cars. Take the time to compare each card’s roster of add-ons and pick one that will best suit your travel plans.
  • Compare insurance policies. The best credit card travel benefits include insurance policies that cover travel accidents, rental cars, trip cancellations and more. These policies can vary widely based on the issuer and the card’s annual-fee tier.
  • Beware foreign transaction fees. Most travel credit cards don’t charge foreign transaction fees. Some cash-back cards may offer outstanding rewards for travel purchases but charge around 3% fees on purchases outside the U.S.
  • Look beyond welcome offers. A 60,000-point welcome bonus can be enticing. However, it shouldn’t be your deciding factor, especially if you’ll end up paying a high annual fee without getting your money’s worth.

How get the most out of your travel credit card

To get the most out of your travel credit card, you need to use it as often and strategically as possible. This way, you can earn points or miles with each purchase, which you can then redeem for free or discounted flights, hotels and more.

Use your travel card to pay most of your purchases and bills and then pay your card off in full each month. This will help you earn points while avoiding interest charges and high credit card debt , which can impact your credit score.

Here are some other tips to maximize your rewards and benefits:

  • Consider adding an authorized user to your account. They’ll earn points with every purchase they make, and those will get added to your overall total. However, make sure to pick someone who will use the card responsibly since you’ll be legally liable if they ever fail to pay their monthly bills.
  • Redeem your rewards for travel through the card issuer’s website. This redemption option usually offers the highest value compared to gift cards or merchandise, for example.
  • If your card offers travel protections (like travel accident or luggage insurance), use it to pay for your passenger fares. This way, you could be reimbursed in the event of an accident or lost luggage, for example.
  • Use your airline or hotel card to sign up for the company’s frequent flyer or frequent guest loyalty program. You’ll often earn extra points or miles when you’re a member and use your co-branded card to pay for flights, hotel stays and more.
  • If you can transfer points from other credit cards to your travel card, take advantage of this feature. This way, you can accumulate extra points for travel booking and sometimes even increase their value.

Best Travel Credit Cards FAQs

What is the best travel credit card, what is the best credit card for international travel, how to travel for free with credit cards, what is the best credit card for travel miles, what is a welcome bonus on a credit card, how we chose the best travel credit cards.

We ranked the best credit cards for travel based on their annual fees, benefits, reward rates and redemption flexibility.

Fees: We compared interest rates and foreign, cash advance and balance transfer fees for more than 50 credit cards. We also considered their annual fee, looking for those that offered the most for the money.

Ongoing benefits: Intro APR and bonus offers are attractive, but they can only get you so far. We focused on cards with year-round benefits such as travel insurance or cell phone protection plans.

Reward rates: We preferred cards that allow you to earn extra points from travel expenses, as well as those that provide significant bonus rewards in popular spending categories, like dining, supermarkets or streaming services.

Redemption flexibility: Our picks don’t limit your redemption options to just travel. Some let you use your points for Amazon purchases, for example. We also preferred issuers that allowed cardholders to transfer their points to airline and hotel partners.

Summary of Money’s Best Travel Credit Cards of May 2024

  • Discover it® Miles Credit Card – Best no-annual-fee travel card for simple rewards

Money.com has partnered with CardRatings for our coverage of credit card products. Money.com and CardRatings may receive a commission from card issuers.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

To see rates and fees for the American Express® Gold Card, visit this link . Terms apply.

To see rates and fees for The Platinum Card® from American Express, visit this link . Terms apply.

To see rates and fees for The Business Platinum Card® from American Express, visit this link . Terms apply.

* Insurance disclosures for American Express Cards on this page:

Trip Delay Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation and Interruption Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Baggage Insurance Plan: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty, Purchase Protection, Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss & Damage Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

** Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

*** Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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They also include features to assist customers living with visual impairments, such as tactile dots to distinguish between cards and a thumb insert to correctly orientate cards into terminals.

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  • Use your Visa Debit card to withdraw money at ATMs and EFTPOS machines.
  • Make purchases online, in person or over the phone.
  • Visa payWave is a contactless payment method which offers a quick and easy way to pay for items under $100. You can pay for purchases $100 and over with payWave, you just need to enter a PIN to authorise the transaction. 

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Cardholder’s liability is limited to zero for unauthorised transactions, provided the cardholder notifies Suncorp Bank of unauthorised Visa transactions, and there is no evidence of cardholder negligence, fraud or collusion.

  • You’re covered by Visa’s Zero Liability  policy for unauthorised transactions.
  • Your card is embedded with the latest EMV microchip technology, which provides both data protection and transaction security, for greater protection against fraud.
  • When you're shopping online with your Suncorp Bank Visa Debit card at retailers who have signed up to Visa Secure or eftpos Secure , you may be asked to enter an SMS code before finalising your purchase. This ensures only you, the authorised cardholder, can use your Suncorp Bank Visa Debit card to make online purchases. If you do not have your mobile number registered with us, it may be necessary for you to contact the bank directly.

As a Suncorp Bank Visa Debit cardholder, you have access to exclusive Australia and Overseas offers and perks provided by Visa, including:

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Find your favourites in Visa Offers and Perks

Please refer to Visa’s website for full terms and conditions and availability and eligibility of offers and discounts.

Make sure you are eligible

  • To have a Suncorp Bank Visa Debit card you'll need to apply for an  Everyday Account . Account owners must be 11 years or older (unless otherwise stated on the Product Information Document) and a permanent resident of Australia.
  • To be eligible for a Suncorp Bank Visa Debit card you must be 16 years of age or over and a permanent resident of Australia. If you are not eligible, you will receive a Suncorp Bank eftpos card instead.
  • Withdrawing your money is fee-free # from Suncorp Bank ATMs, atmx and the ATMs of any Big 4 bank.
  • There are no foreign currency conversion fees and no cash advance fees on overseas ATMs for Everyday Options, Everyday Essentials and Carbon Insights Account holders with a Visa Debit card. Holders of other transaction account types with a Visa Debit card may be charged a foreign currency conversion fee or a cash advance fee when using an ATM overseas. The foreign currency conversion fee for Visa Debit cards is 3% of the converted Australian dollar transaction amount, made or charged to your account. 

For more information on fees and charges, please read the relevant Product Information Document & Terms and Conditions  before making any decisions regarding these products.

The combined cash out and withdrawal limit for ATMs and EFTPOS is $1,000 per day per card. This limit can be increased to $2,000 per day per card by contacting us on 13 11 55 or visiting your local Suncorp Bank branch. Please be aware by increasing the cash withdrawal limit, you will increase your liability in the event of unauthorised transactions.

There are different limits for withdrawals made online. Learn about online banking withdrawal limits .

Disputing a transaction 

As a Visa Debit cardholder, if you believe a transaction was not authorised or processed in accordance with your authority, you may have a right to recover the value of the transaction in accordance with the chargeback rules. Common chargeback reasons include unauthorised transaction, not receiving goods or services, duplicated transactions, cancelled membership or subscription, or a refund not being processed.​ ​

The fastest and easiest way to dispute a Visa Debit card transaction is through the Suncorp Bank App.  Learn more about how to dispute a transaction .​

​For a transaction that you authorised, try resolving the issue with the merchant first. This is often the quickest option. If you’re not able to resolve the issue with the merchant, you can dispute a Visa Debit card transaction through the Suncorp Bank App. 

Ready to apply for an Everyday Account?

Visa Debit Cards are available with our  Everyday Accounts .

# Terms and conditions apply. Find out more on our Suncorp Bank ATMs page .

Banking products issued by Suncorp-Metway Ltd ABN 66 010 831 722 AFSL No. 229882 Australian Credit Licence 229882 (Suncorp Bank). Please read the relevant Product Information Document before making any decisions regarding these products. Terms and conditions, fees and charges may apply and are available on request.

Visa functionality provided by Visa Inc.

Canstar Awards:

  • Suncorp Bank Visa Debit cards linked to Everyday Options Account and Everyday Essentials Accounts were awarded  Canstar's  Outstanding Value Travel Debit Card Award 2022 and 2023.
  • Suncorp Bank Visa Debit cards linked to Carbon Insights Account were awarded Canstar's  Outstanding Value Travel Debit Card Award 2023.

 Mozo Awards:

  • Suncorp Bank Visa Debit cards linked to Everyday Options Account were awarded Mozo's Experts Choice Award 2022 and 2023 for Travel Debit Cards.
  • Suncorp Bank Visa Debit cards linked to Carbon Insights Account were awarded both Mozo’s Experts Choice Award 2023 for Travel Debit Cards.

†  Terms and conditions apply. Find out more on our  Suncorp Bank ATMs page . Suncorp Bank does not charge foreign conversion fees or cash advance fees on overseas ATMs for Everyday Options, Everyday Essentials and Carbon Insights Account holders with a linked Visa Debit Card. Some overseas ATM providers may charge you fees for transactions. For more information, please read the relevant  Product Information Document & Terms and Conditions  applicable to your account.

*A Suncorp Bank Visa Debit card is available to eligible Suncorp Bank customers who hold an eligible Suncorp Bank transaction account.

About Suncorp Bank

Our products, help & support, learning & resources.

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Suncorp Bank acknowledges the traditional custodians of the land on which we conduct business and pay our respects to Elders past, present and emerging.

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© Copyright Suncorp-Metway Ltd ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882 (“Suncorp Bank”). Registered office: Level 23, 80 Ann Street, Brisbane QLD 4000. In accessing Suncorp's site you agree to our  Online Terms & Privacy Statement . Please ensure that you read these before accessing the site.

COOKIE AND DATA POLICY We use cookies and other related technologies to improve and tailor your website experience. See our  Cookie and Data Policy . This policy provides information about how Suncorp collects and uses data related to your online activity, and how you can choose to remain anonymous.

Products and services including banking and insurance (including home and car insurance) are provided by separate companies in the Suncorp Group. Suncorp Bank is only liable for the banking products or services it provides and not the products and services of the other companies in the Suncorp Group. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statements before you make any decision regarding these products. The Target Market Determination  are also available. Copies of historical TMDs for credit card products can be obtained by calling  13 11 75 .

Carbon Neutral Certification

In Australia, carbon neutral certification is governed by Climate Active. For an entity to be certified as carbon neutral, it must meet the requirements of the Climate Active Carbon Neutral Standard. This means that to achieve certification an entity must measure emissions, reduce these where possible, offset remaining emissions and then publicly report on its achievements. 

Carbon neutral claims must be independently validated by an independent third party.

COMMENTS

  1. Travelling Overseas

    Premium travel benefits with the Suncorp Clear Options Platinum Credit Card. Benefits include: International Travel Insurance +. Transit Accident Insurance +. Worldwide support, 24/7. When overseas, call us on +61 2 8225 0926 for credit card support. Learn about Suncorp Clear Options Credit Cards.

  2. Travel Money Cards: Best prepaid options for Australians

    Wise Travel Money Card. AUD,USD,CAD,EUR,GBP,JPY,NZD,SGD. 2 free ATM withdrawals per month up to AUD$350, then AUD$1.50 and 1.75% per withdrawal. $0. $0. Hold and spend funds in more than 40 ...

  3. Suncorp Clear Options Platinum reviews

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  4. Best Debit Cards for Overseas Travel

    Suncorp Bank - Carbon Insights Account. Designed to allow you to view an estimate of the carbon emissions related to your purchases. No monthly fees or overdraft fees and unlimited fee-free Suncorp Bank transactions. No foreign currency conversion fees for both online and overseas purchases.

  5. Suncorp Travel Credit Cards

    Suncorp offers a range of credit cards with purchase interest rates from 20.74% p.a.. Suncorp credit cards are available with balance transfer rates from 21.99% p.a. and with annual fees from $129. Compare Travel Credit Cards

  6. What does the credit card complimentary international travel ...

    Complimentary international travel insurance is available for Platinum Card holders only. To find out what it covers, please refer to our Complimentary Insurance T&Cs.. Note: This document will also outline how to ensure you receive the relevant cover and make a claim.

  7. Review: Suncorp Clear Options Platinum Visa, issued by Citibank

    Introduction. With a reasonably low annual fee and the ability to earn frequent flyer points with four different airlines including Qantas, Virgin Australia, Emirates and Singapore Airlines, the Suncorp Clear Options Platinum Visa credit card is the bank's top-of-the-line personal product, issued on its behalf by Citibank.. But due to recent changes, the number of points you'll earn per dollar ...

  8. Suncorp

    The Suncorp Clear Options Platinum credit card has 120,000 bonus Suncorp Credit Card Rewards Points on offer if $3,000 is spent on eligible transactions in the first 90 days from card activation. The earn rate is 1.25 Suncorp points for every dollar spent on eligible transactions. It is possible to earn Qantas Points instead.

  9. Suncorp Cash Passport Review

    Suncorp Cash Passport Review. Learn about the Suncorp Cash Passport in this review to help you decide whether this is the card for you. Use the Cash Passport App. Load up to 10 currencies. Lock in exchange rates. Use at over 35.9 million Mastercard locations. No set up or reload fees when you order online.

  10. Compare Suncorp Bank and Savings Accounts

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  11. Suncorp credit card complimentary travel insurance

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  12. Suncorp Credit Cards

    Instantly compare 140+ credit cards based on the inputs below. 0% p.a. interest rate on balance transfers for 9 mths. Rate reverts to 21.74% p.a. Balance transfer fee of 1% applies... 0% p.a. interest rate on purchases for 9 mths. Rate reverts to 20.99%... Canstar Exclusive Offer: Free FIRST membership.

  13. Suncorp Everyday Options reviews

    Bonus Variable Rate. 0.65 % p.a. Total Interest Rate. 0.05 % p.a. Compare best Savings Accounts in 2024. Suncorp Everyday Options (Savings Account): 3.4 out of 5 stars from 10 genuine reviews on Australia's largest opinion site ProductReview.com.au.

  14. Suncorp Visa Debit reviews

    Offers on concerts, theatre, movies, sporting and lifestyle events with Visa Entertainment. Compare best Transaction Accounts in 2024. Visit official website. Compare best Transaction Accounts. Suncorp Visa Debit (Transaction Account ): 3.2 out of 5 stars from 6 genuine reviews on Australia's largest opinion site ProductReview.com.au.

  15. Suncorp Clear Options Platinum Credit Card

    Suncorp Clear Options Platinum Credit Card. Updated 31 May 2024. Enjoy 120,000 bonus Suncorp Credit Card Rewards Points when you apply by 18 June 2024 and spend $3,000 on eligible transactions in the first 90 days from approval. Plus, save with 0% p.a. for 9 months on balance transfers. Reduced annual fee of $99 for the first year.

  16. Best way to access your money while overseas? : r/AusFinance

    Either Wise or Revolut are good travel options. Transfer what you'll need from your regular Aussie bank account onto their platform, then spend using their supplied debit cards. You get a much better exchange rate as Wise or Revolut use mid-market exchange rates rather than the rip-off Visa/MasterCard rates.

  17. Suncorp Transaction Account for travel : r/AusFinance

    Suncorp Transaction Account for travel. Does the Suncorp transaction account charge international ATM fees for cash withdrawals? Ing is best for travel, it's free and easy to create an account online, then just call them when you're back to close the account.

  18. Can I use my Visa debit or credit card overseas?

    You can use your card anywhere you see the Visa Symbol, including ATMs and merchant terminals. When using your card overseas or online you may be charged a foreign currency conversion fee. This will depend on the type of Suncorp Bank deposit account you have. For Everyday Options, Carbon Insights Account and Everyday Essentials Account holders ...

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