If you’re heading to Europe from USA, there’s one simple decision that can save you hundreds — choosing the right travel credit card.
The right card can eliminate foreign transaction fees, earn you points for free flights, provide airport lounge access, and even protect you with travel insurance. But not all credit cards are created equal — especially for international travel.
We’ve researched the best options available this year. Whether you’re going for a romantic getaway in Paris or backpacking across Italy, here are the top travel credit cards tailored for your European adventures.
Note: This list is specifically for U.S.-based travelers with access to American credit cards. If you’re in the U.S. and planning a trip to Europe, these cards can help you save money and earn rewards.
Best Credit Cards for Travel
- Chase Sapphire Preferred® Card
- Capital One Venture Rewards Credit Card
- American Express® Gold Card
- Wells Fargo Autograph℠ Card
- Barclays AAdvantage® Aviator® Red World Elite Mastercard®
Why a Travel Credit Card is a Must for Europe?
Europe is beautiful, but travel expenses add up fast. Choosing the right credit card is a simple way to travel smarter. Whether it’s free flights, no fees, or hotel upgrades — these cards are your passport to savings.
- No Foreign Transaction Fees: Many standard credit cards charge a 3% fee on every purchase abroad. Travel cards waive that.
- Travel Rewards: Earn points or miles for every Euro you spend — and redeem them for flights, hotels, or upgrades.
- Travel Protections: Many cards include trip cancellation insurance, baggage delay reimbursement, and even emergency assistance.
- Airport Perks: Some premium cards offer lounge access, free checked bags, and priority boarding.
Top Travel Credit Cards for Europe in 2025
These top-rated U.S. travel credit cards offer the best value in 2025 — from no foreign transaction fees to big rewards and travel perks.
Here’s a detailed breakdown of the best options — based on real user needs, travel perks, and fee structures.
1. Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card is perfect for travelers who want a well-rounded, flexible card with strong benefits.
Why we love it: This is a top pick for both beginners and experienced travelers. Great for everyday use and offers massive value through its point system.
- Sign-up Bonus: Earn 60,000 points after spending $4,000 in the first 3 months — worth ~$750 in travel.
- Rewards: 2x points on travel and dining
- Annual Fee: $95
- No Foreign Transaction Fees: Yes
- Travel Protections: Includes trip cancellation/interruption insurance, baggage delay coverage
- Extras: Points transfer 1:1 to major airline/hotel partners
2. Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card ideal for travelers who want simple, flexible rewards and hate tracking categories.
Why we love it: Simple 2x miles on every purchase. Great for travelers who want flat-rate rewards with easy redemption.
- Sign-up Bonus: 75,000 miles after $4,000 spend in 3 months
- Rewards: 2x miles on everything
- Annual Fee: $95
- No Foreign Transaction Fees: Yes
- Travel Protections: Includes travel accident insurance
- Extras: Transfer miles to 15+ travel partners
3. American Express® Gold Card
American Express® Gold Card is great for gourmet travelers exploring Europe’s culinary scene.
Why we love it: Strong for foodies and frequent flyers who spend a lot on dining and groceries.
- Sign-up Bonus: 60,000 Membership Rewards points after $4,000 spend
- Rewards: 4x points on restaurants, 3x on flights booked directly
- Annual Fee: $250
- No Foreign Transaction Fees: Yes
- Travel Protections: Trip delay and baggage insurance
- Extras: $120 dining credit, airport lounge options (with additional cards)
4. Wells Fargo Autograph℠ Card
Wells Fargo Autograph℠ Card – Best for travelers who want strong rewards without paying a yearly fee.
Why we love it: A rare no-annual-fee card with great travel perks and strong point categories — perfect for budget-conscious travelers heading to Europe.
- Sign-up Bonus: 20,000 bonus points (worth $200) after $1,000 in purchases in the first 3 months
- Rewards: 3x points on travel, gas, restaurants, streaming, and phone plans
- Annual Fee: $0
- No Foreign Transaction Fees: Yes
- Travel Protections: Includes auto rental collision damage waiver
- Extras: Cell phone protection when you pay with the card
5. Barclays AAdvantage® Aviator® Red World Elite Mastercard®
Barclays AAdvantage® Aviator® Red World Elite Mastercard®- excellent for those flying American Airlines or its oneworld partners to Europe.
Why we love it: Frequent American Airlines flyer? This card offers one of the easiest-to-earn bonuses and strong airline benefits.
- Sign-up Bonus: 60,000 miles after making just one purchase and paying the $99 annual fee
- Rewards: 2x miles on eligible American Airlines purchases
- Annual Fee: $99
- No Foreign Transaction Fees: Yes
- Travel Protections: Baggage delay, trip cancellation
- Extras: Free first checked bag + preferred boarding on AA flights
Quick Comparison All Cards
| Credit Card | Annual Fee | Foreign Fees | Sign-Up Bonus | Best For |
|---|
| Chase Sapphire Preferred® | $95 | ❌ No | 60,000 points | All-round travel perks |
| Capital One Venture | $95 | ❌ No | 75,000 miles | Simple, flat-rate rewards |
| American Express® Gold | $250 | ❌ No | 60,000 points | Dining & luxury travel |
| Wells Fargo Autograph℠ | $0 | ❌ No | 20,000 points | No-fee card with great rewards |
| Barclays AAdvantage Aviator Red | $99 | ❌ No | 60,000 miles (1 swipe) | AA frequent flyers |
How to Choose the Right Travel Card for You
Not all travel credit cards are the same. Before you apply, here are a few key things to consider based on your travel style, spending habits, and goals.
✅ Do you travel frequently or once a year?
- If once or twice a year: Chase Sapphire Preferred is great value.
- If frequent traveler: Consider Amex Gold or Capital One Venture.
✅ Do you care about airport perks like lounge access or bags?
- American Airlines loyalists → go for Aviator Red.
- Others → Chase or Amex offer broader perks.
✅ Want a card with no annual fee?
- Wells Fargo Autograph is your best choice.
Expert Tips for Using Travel Credit Cards in Europe
Make your European trip smoother and safer — follow the expert advice below to avoid common mistakes and get the most value from your U.S. travel credit card.
- Inform your bank before traveling so your purchases aren’t flagged.
- Use cards for most purchases, not cash — especially for hotels, restaurants, and trains.
- Don’t forget your PIN — some European kiosks (especially in metro stations) require chip-and-PIN cards.
- Carry a backup card just in case one doesn’t work or is lost.
Europe offers once-in-a-lifetime experiences — from the canals of Venice to the castles of Scotland. But those magical memories shouldn’t come with surprise charges or missed opportunities to earn rewards.
The right travel credit card doesn’t just save you money — it opens doors to airport lounges, hotel upgrades, and even free flights. Whether you’re a seasoned traveler or just planning your first Euro trip, these are the cards worth considering in 2025.
