Best Credit Cards for Traveling to Europe

Many dream of traveling to Europe, with its rich history, stunning landscapes, and vibrant cultures just waiting to be explored. But before you pack your bags and head off on an adventure across the continent, one crucial aspect of planning can often get overlooked: choosing the best credit card for your travels.

I’ll walk you through seven standout credit cards designed to make your European journey smoother and more affordable. From impressive travel rewards and no foreign transaction fees to valuable insurance options and perks like airport lounge access, you’ll discover which cards align best with your travel preferences. Whether you’re a frequent flyer or simply planning a once-in-a-lifetime trip, these selections will help you maximize your spending power abroad while minimizing any pitfalls.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card stands out as a top choice for travelers planning European escapades, thanks to its robust rewards system and versatility in point transfers. With the ability to earn 2x points on travel and dining at restaurants, cardholders can quickly accumulate rewards while enjoying gourmet experiences throughout Europe. Additionally, every point earned can be transformed into flight miles or hotel stays with over 13 leading airline and hotel partners, such as United, Southwest, Hyatt, and Marriott.

This versatility makes it effortless to align your rewards strategy with your travel goals. Here are some key features that enhance its appeal:

• No foreign transaction fees: Enjoy purchases abroad without added costs—an essential advantage.
• Bounty of bonuses: New card members frequently benefit from substantial sign-up bonuses that contribute significantly toward booking flights or hotels.
• Flexible redemption options: Points can also be used for cash back or gift cards—great for flexible travel budgeting!

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is an excellent choice for those seeking to maximize travel rewards without complicating the earning process. You can earn unlimited 2x miles on every purchase, meaning whether you’re enjoying a fancy dinner in Paris or buying souvenirs in Rome, your spending consistently contributes toward future adventures. This straightforward earning structure simplifies budgeting and planning, allowing travelers to accumulate miles effortlessly.

Key benefits:

• No foreign transaction fees: Every euro spent doesn’t incur additional charges.
• Miles are redeemable: Use your accumulated miles for statement credits against travel purchases or when booking trips directly through Capital One’s travel portal.
• Travel perks: Benefit from access to travel accident insurance, auto rental collision damage waiver, and other valuable safety features while exploring abroad.

The Platinum Card® from American Express

The Platinum Card® from American Express is tailored for travelers who appreciate exceptional benefits and experiences while exploring Europe. This card offers unparalleled access to a global network of exclusive airport lounges, ensuring you can unwind comfortably before your flight. With entry to over 1,200 luxurious lounge locations worldwide—including The Centurion® Lounges, Delta Sky Clubs®, and Priority Pass™ lounges—you’re set for a premium travel experience.

This card provides extensive travel insurance coverage, including:

• Trip Cancellation Insurance: Coverage if unexpected events disrupt your plans.
• Luggage Insurance: Protection against lost or damaged luggage.
• Emergency Medical Coverage: Access to medical assistance while abroad.
• Travel Accident Insurance: Financial security in case of unforeseen circumstances.

Cardholders also enjoy perks like hotel room upgrades and personalized concierge services, enhancing their European excursions with seamless luxury.

Discover it® Miles

If you’re a budget-conscious traveler looking to explore Europe, the Discover it® Miles card is a fantastic addition to your wallet. This travel rewards credit card enhances buying power while eliminating annual fees and overseas transaction charges. Whether wandering through the historic streets of Rome or enjoying a café in Paris, this card allows you to rack up miles effortlessly.

Key benefits:

• No annual fee: Keep more money for experiences instead of upfront costs.
• No foreign transaction fees: Make purchases abroad without extra charges—perfect for spontaneous guys like local delicacies or souvenirs.
• Miles match feature: Every mile earned in the first year is matched, doubling your rewards.

Citi Premier® Card

The Citi Premier® Card is excellent for those eager to indulge in Europe’s culinary delights. With triple points on air travel and dining worldwide, your experiences at Michelin-starred restaurants or charming bistros become even more rewarding.

Benefits include:

• Accelerated point earnings: Earn 3x points on dining and travel expenses.
• No foreign transaction fees: Spend worry-free while traveling abroad.
• Flexible redemption options: Points can be redeemed for flights, hotel stays, and even statement credits.

Marriott Bonvoy Boundless™ Credit Card

The Marriott Bonvoy Boundless™ Credit Card is ideal for travelers visiting European cities with Marriott properties. Its generous free night awards, redeemable at thousands of participating hotels, make it an attractive option for luxurious stays.

Key features:

• Annual free night award: Valid at properties costing up to 35,000 points per night.
• 6x points on Marriott Bonvoy purchases: Quickly accumulate rewards for complimentary stays.
• No foreign transaction fees: Use your card freely throughout Europe without extra charges.

HSBC Gold Mastercard® Credit Card

The HSBC Gold Mastercard® Credit Card is perfect for travelers planning extended stays or multiple European trips. Low interest rates and no foreign transaction fees help manage expenses effectively over time.

Advantages include:

• No foreign transaction fees: Seamless use across multiple countries.
• Low-interest rates: Manage travel expenses affordably.
• Simplified expense tracking: No surprise conversion fees at checkout.

Final Thoughts

Choosing the right travel credit card can enhance your European journey, maximizing rewards while minimizing fees. Whether you prioritize luxury perks, flexible redemption options, or budget-friendly rewards, these credit cards cater to various travel styles. By selecting the best fit for your needs, you can confidently and financially easily explore Europe.

Reviewed and edited by Albert Fang.

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Article Title: Best Credit Cards for Traveling to Europe

https://fangwallet.com/2025/02/24/best-credit-cards-for-traveling-to-europe/

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