[Recommended for International Travel] 7 Best Credit Cards: Fees & Cashback Rate Comparison

• This article is for reference only as it is merely a translated version of the Japanese article below.
  【海外旅行におすすめ】クレジットカード7選｜手数料・還元率比較 (Japanese version)

“Looking for the best credit cards for international travel?”

“Want to choose a credit card by comparing fees and cashback rates?”

These are common concerns for many people.

If you’re not familiar with international travel, it can be worrisome to figure out which credit card will work abroad and which one suits your needs.

The best approach for choosing a credit card to use internationally is to compare benefits, cashback rates, and fees.

This article introduces credit cards recommended for international travel and explains the reasons why a credit card is useful when traveling abroad, along with important points to keep in mind.

For those who are struggling to choose the right credit card for their trip or want to find the perfect one, this guide is here to help.

The 7 Best Credit Cards Recommended for International Travel

When traveling abroad, using a credit card is not only convenient but also safe.

Here is a selection of the 7 best credit cards highly recommended for international travel.

EPOS Gold

The EPOS Gold Card stands out for its comprehensive overseas travel accident insurance, which covers injuries, illnesses, and damages such as theft or damage to personal belongings during travel abroad.

Additionally, it offers access to airport lounges both in Japan and internationally, allowing for a more luxurious travel experience.

With an annual fee of 5,000 JPY, the card offers financial benefits, as the fee can be waived for life if invited by EPOS or if spending exceeds 500,000 JPY annually, starting from the following year.

Marriot Bonvoy Premium

The Marriot Bonvoy Premium card offers a range of valuable benefits, particularly for Marriott hotel guests and JAL users, making it an excellent choice for those looking to elevate their international travel experience.

Although the annual fee is JPY 49,500, cardholders can easily gain value exceeding this amount through complimentary hotel stays, provided certain conditions are met.

The card also comes with extensive international travel accident insurance and access to airport lounges, ensuring a luxurious and worry-free travel experience.

Sumitomo Mitsui Card (NL)

The Sumitomo Mitsui Card (NL) comes with international travel accident insurance, making it a great choice for international travel.

Despite having no annual fee, the card offers insurance coverage of up to 20 million JPY for accidental death or disability.

In addition, the family card is also free, allowing families to travel with peace of mind.

For those wanting to try a credit card for international travel without any cost, the Sumitomo Mitsui Card (NL), with its lifetime-free annual fee, is an ideal option to consider.

Rakuten Card

Despite having no annual fee, the Rakuten Card comes with comprehensive international travel accident insurance, making it a great option for international travel.

Here are some examples of the coverage provided by the Rakuten Card’s international travel insurance:

• Accidental death and disability: 20 million JPY
• Medical expenses for injury: 2 million JPY
• Medical expenses for illness: 2 million JPY
• Personal liability: 30 million JPY

In addition, Rakuten Card allows users to easily accumulate points when using Rakuten services. Make the most of these benefits and enjoy your international travels.

JAL Card CLUB-A Gold Card

The JAL Card CLUB-A Gold Card, issued by JAL, is ideal for frequent JAL travelers as it allows easy accumulation of miles. The card includes international travel accident insurance, ensuring that travelers don’t have to worry about medical expenses due to injury or illness while abroad.

With the added benefit of airport lounge access, the CLUB-A Gold Card enhances your travel experience, making your international trips more enjoyable.

JAL Card navi (Student Exclusive)

The JAL Card navi (Student Exclusive) is a credit card tailored specifically for students, offering free annual fees during the enrollment period. It’s an excellent choice for students planning to travel abroad.

Students using this card can easily accumulate miles, especially if they frequently travel with JAL. The card also comes with international travel accident insurance, providing peace of mind during trips.

For students who love to travel, make the most of the JAL Card navi (Student Exclusive) and enjoy your overseas adventures.

ANA Gold Card

The ANA Gold Card is an ideal credit card for frequent international travelers, as it allows easy accumulation of miles.

• Sign-up and renewal miles: 2,000 miles
• Flight bonus miles: 25%
• Daily purchases: 1 mile for every 100 JPY spent
• ANA flight tickets: 2 miles for every 100 JPY spent

The ANA Gold Card also provides access to airport lounges and comes with international travel accident insurance, making it highly recommended for overseas trips.

Comparison of Credit Cards Recommended for International Travel Based on Benefits and Fees

Let’s compare the recommended credit cards for international travel by looking at their benefits and fees.

The following table outlines the key benefits:

<Benefits>

The credit card fees are as follows:

<Fees>

For those looking to minimize foreign transaction fees, the JAL Card and ANA Card, which offer foreign transaction fees starting from 1.3%, are highly recommended!

In particular, the JAL Card navi is free for students during their time in school, making it an excellent choice for students considering studying abroad.

Select the card that best fits your overseas travel needs.

4 Reasons Why Credit Cards Are Recommended for International Travel

Using a credit card during international travel can reduce various risks and provide access to services and perks.

Here are the key reasons why credit cards are highly recommended for overseas trips.

Reduces the Risk of Cash Theft or Loss

Many international travel destinations have a higher risk of theft compared to Japan, making it dangerous to carry large amounts of cash.

With a credit card, even if it’s lost or stolen, it cannot be used without identity verification, and you can quickly freeze the card for added security.

In the unfortunate event that a card is stolen or lost, some credit cards come with fraud protection. Be sure to check for such coverage when choosing your card.

Access to Special Benefits

Credit cards offering extensive perks often allow free access to airport lounges, giving you a comfortable space to relax before departure or after arrival.

Some of the key benefits and services include:

• Increased point rewards
• Discounted purchases
• Hotel room upgrades
• Late checkout
• Coat check services

If you’re looking to elevate your travel experience, choosing a credit card with comprehensive perks is highly recommended.

No Need for Currency Exchange and Lower Fees Compared to Airport Exchanges

Using a credit card for payments during international travel eliminates the need to exchange currency, making transactions more convenient.

Additionally, tips can often be paid by credit card, which is helpful for travelers unfamiliar with tipping customs.

When using a Japanese credit card abroad, a foreign transaction fee of around 2.2% and an international brand fee of about 1% apply, totaling approximately 3% in hidden fees.

However, these fees are generally cheaper than the costs of exchanging currency at airports for most currencies, making credit card usage more economical.

For detailed comparisons of exchange rates at Haneda and Narita airports, check out the related article below.

• 【〇〇 is Recommended】Comprehensive Comparison of Currency Exchange Rates at Haneda Airport (JPY ⇒ Foreign Currency)
• 【〇〇 is Recommended】Comprehensive Comparison of Currency Exchange Rates at Narita Airport (JPY ⇒ Foreign Currency)

Access to Cash When Needed via ATM Cash Advances

At overseas ATMs that accept Visa or Mastercard, it’s possible to withdraw cash using a credit card.

However, it should be noted that AMEX does not provide a cash advance service, so it cannot be used for this purpose.

When using a credit card for cash advances, there are additional costs such as currency exchange fees, ATM fees, and interest on the cash advance.

Nonetheless, it is often still more cost-effective than exchanging money at airports or in foreign cities.

To minimize the risk of theft or loss of cash, it is recommended to carry only a small amount of cash and rely on cash advances when necessary.

Important Points to Consider When Using a Credit Card During International Travel

While credit cards are convenient for international travel, there are a few important things to be aware of.

Let’s break down the key points to keep in mind when using a credit card abroad.

Know Your Card Number, Emergency Contact, PIN, and Credit Limit

When using a credit card during international travel, make sure you are familiar with the following:

• Card number
• Emergency contact (Customer Support)
• PIN (Personal Identification Number)
• Credit limit

Your card number and emergency contact are crucial in case your card is lost or stolen.

While a PIN might not be necessary in Japan, it’s sometimes required for transactions abroad, so make sure you know it.

Also, ensure you’re aware of your credit limit, as exceeding it could prevent your card from being used.

Handle Valuables with Care

Take extra care when handling valuables like credit cards and cash, and keep them on you as much as possible.

The risk of theft is typically higher abroad than in Japan, so be wary of pickpockets or bag snatchers.

In Japan, it’s common to leave belongings at your seat to hold your place or while stepping away, but this is not acceptable behavior overseas.

Be careful not to leave your credit card or wallet unattended to avoid falling victim to theft.

Always Check the Bill Before Paying by Card

When paying by credit card during international travel, make sure to check the bill carefully.

In restaurants or bars abroad, there’s a possibility that a tip may have been added, or that you’re being charged more than expected.

If you feel unsure or notice something unfamiliar, don’t hesitate to ask the staff for clarification.

If you find any unrecognized charges after leaving the establishment, contact your card issuer immediately.

Choose to Pay in the Local Currency

When using your credit card abroad, you may be asked whether you want to pay in the local currency or Japanese yen (JPY).

Unless there’s a specific reason, it’s recommended to choose the local currency.

Paying in Japanese yen might result in additional conversion fees, making the cost higher than if you paid in the local currency.

To avoid unnecessary fees, always opt for payment in the local currency.

FAQs About Credit Cards for International Travel

Below are frequently asked questions regarding credit cards for international travel.

Use these answers as a guide to help with any concerns you might have.

Are There Rankings for the Best Credit Cards for International Travel?

It’s difficult to rank credit cards for international travel, as the best option varies depending on how you intend to use the card.

Decide what you prioritize, and then select from the “7 Best Credit Cards for International Travel” presented here.

For those seeking luxury during travel, the Marriot Bonvoy Premium is recommended. If you’d prefer a no-annual-fee option, the Rakuten Card is a great choice.

Can Credit Cards Be Used Abroad?

Yes, credit cards can generally be used in many places overseas.

Cards from major international brands like Visa, Mastercard, and AMEX are accepted at affiliated stores worldwide.

However, not every country or store accepts credit cards, and cash payments may sometimes be necessary.

What Should Be Done If There’s an Unfamiliar Charge on the Card from Abroad?

If you notice an unfamiliar charge from abroad on your credit card, contact the card issuer.

If the charge is confirmed to be fraudulent, the card issuer will compensate the loss.

To avoid any surprises, it’s advisable to check your card statement for any suspicious charges while you’re traveling.

Conclusion: Enhance Your Travel Experience with the Right Credit Card for International Travel

This article has introduced and compared 7 recommended credit cards for international travel, explained why a credit card is a good companion for overseas trips, and highlighted key points to keep in mind when using one abroad.

Using a credit card during international travel is highly recommended. It helps minimize risks and inconveniences, and comes with perks that can make your trip even more enjoyable.