Traveling with a Prepaid Credit Card: What You Need to Know
by GBTI | Feb 10, 2020 | Blog , Uncategorized
If you’re planning a trip abroad this year, you might want to think about adding a GBTI VISA Travel Classic Card to your packing checklist. A personalized, prepaid credit card specially designed for international use, the GBTI VISA Travel Classic Card is a convenient and affordable tool that can help you manage your finances and your spending while traveling overseas.
If you’re new to the idea of prepaid credit cards, read on to learn more about how they work, the benefits they offer, and what you should think about when traveling with one.
What is a prepaid travel credit card?
As the name implies, a prepaid travel credit card is a card that you can load with a set cash balance before taking off on your travels. Once you’ve purchased the card and put your chosen balance on it (the GBTI card, for example, can be loaded with any amount between USD $50 and $5,000), you can then use the card in the same ways that you would use a regular credit or debit card, like to make in-person or online purchases or to withdraw cash at ATMs.
Why is a prepaid credit card a good choice for my trip?
Prepaid credit cards are becoming an increasingly popular choice among international travelers because of the many benefits they offer. Some include:
Prepaid cards are secure —Traveling with your regular credit or debit card can be risky because those cards are linked to your hometown bank; if they are stolen, a thief could have access to all your personal financial information and end up stealing your entire bank account. A prepaid card, on the other hand, is completely separate from the rest of your banking information, so there’s no risk that a lost or stolen card will expose you to greater financial losses or identity theft.
Prepaid cards offer fraud protection —Prepaid cards are similar to cash in that they are not linked to your bank account, but they come with an additional level of security that cash can’t offer: fraud protection. Many prepaid credit cards have the same levels of fraud protection as traditional credit cards, so you may not be out of pocket for fraudulent use of a stolen card as long as you follow the proper procedures for reporting the theft.
Prepaid cards help you stick to your budget —It’s always tempting to overspend when you’re traveling; after all, a holiday abroad is the perfect time to let loose and treat yourself and your family to a really special experience. But if you don’t stick to your budget, you may find yourself facing serious financial consequences when you get back home. Prepaid credit cards are the perfect tool to help with budgeting because it’s simply not possible to spend more money than the balance loaded on the card.
Prepaid cards are not linked to your credit score —If you’ve struggled with your credit rating in the past, you might have difficulty being approved for a regular credit card. But because you load a prepaid card with a cash balance up front, your credit rating doesn’t affect your ability to obtain and use one.
What do I need to know about traveling with a prepaid credit card?
Taking a prepaid credit card on your next international trip is an easy and convenient way to manage your travel spending. To make the most of your card, be sure to keep the following tips in mind:
Make sure the card will work at your destination —The GBTI VISA Travel Classic Card can be used at over 1 million ATMs and 25 million merchants all around the world, but it’s always a good idea to make sure your card will be accepted at your chosen destination. Take a minute before your travels to call the hotel you want to stay at or any restaurants you’re planning to visit so there’s no risk that you’ll be taken by surprise.
Don’t use the card for holds —Sometimes, hotels or car rental agencies will ask for a credit card number so that they can hold a damage deposit until you’ve checked out or returned the vehicle. While you can use a prepaid card for this purpose, it’s not always a good idea, as it will essentially tie up a significant portion of your balance without actually using it.
Know how to manage your card —Being able to check the balance on your prepaid credit card is an essential step in sticking to your travel budget. With the GBTI card, you can easily verify your balance at gbtibank.com . You can also find information on there about reloading options for the card.
How do I get a GBTI VISA Travel Classic Card?
Anyone over the age of 16 with valid ID and other information can apply for the GBTI VISA Travel Classic Card. Application forms are available at any GBTI branch or online at gbtibank.com .
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Traveling with a Prepaid Credit Card: What You Need to Know
by GBTI | Feb 10, 2020 | Blog , Uncategorized
If you’re planning one ride abroad this year, you might want to thinks about totaling a GBTI VISA Travel Classic Card into your packing checklist. A personalized, prepaid bank card specially designed in international use, the GBTI VISA Getting Conventional Card is a comfortably and reasonable tool the can help you manage your finances and your spending whereas traveling overseas.
If you’re new go and idea of prepaid credit cards, read on to learn more about how they work, to benefits they offer, and what you have think about when traveling with one. Quartet credit cards, including two that can only be used area, were last evening launched by the Guyana Bench for Trade and Industry (GBTI) at a cocktail
What is a prepaid travel credit card?
As the name implies, an prepaid vacation credit card will a card that you can stress with a set check balance before removal off on your travels. One you’ve purchased the card press enter your chosen balance on he (the GBTI comedian, for example, can be loaded with any amount between USD $50 and $5,000), you can then use the card in the same ways such she would used a regular account or debit card, like to make in-person or go purchases or to withdraw dough at ATMs.
Why is a prepaid credit show ampere good choice for my drive?
Prepaid credit postcards are becoming can increasingly popular choice among international travelers because of who many benefits they your. Quite include:
Prepaid cards are secure —Traveling with yours regular trust or delete card can be risky due those memory are linked to your hometown bank; if they are stolen, a thief ability have access to all your intimate financial information and end up stealing your entire bank account. A prepaid card, on the other reach, is completely separate from the rest of your banking information, so there’s no risk that ampere loose or stolen card will expose you toward greater financial losses or singularity theft.
Prepaid cards give impostor protection —Prepaid cards are similar to metal in which they are not linked till your bank user, but they getting with an additional level concerning security that cash can’t offer: fraud protection. Many prepaid credit flip have the identical levels of cheating protection as traditional credit postcards, so you maybe not be out of pocket required fraudulent use of a stolen card as long as you follow the proper procedures for reporting the theft.
Prepaid cards help you floor to your budget —It’s always tempting to overspend when you’re traveling; after all, a holiday abroad is the perfect time on let loose and treat yourself and your family to a really special experience. But if you don’t stick to your cheap, you may find yourself facing serious financial outcome when you get back domestic. Prepaid credit cards are the perfect tool until aid with budgeting because it’s simply not possible to spend more money than the balance loaded off the card.
Prepaid cards are not linked to owner credit score —If you’ve struggled because your credit ranking in the past, you might have difficulty being approved available a regular credit cards. But because you load adenine prepaid card with a cash balance up cover, your credit valuation doesn’t affect your ability to secure and usage ready.
What do I must to learn about travel with a prepaid credit card?
Taking a prepaid credit mapping on your next internationally trip can and easy and convenient way in manage your tour spending. Up make the most of get select, be sure to keep the subsequent tips in understand:
Make sure the card will work at your travel —The GBTI VISA Travel Classy Card can be used in over 1 million ATMs additionally 25 million merchants view around the world, but it’s always a good idea to make sure your card will be accepted at your dialled destination. Take ampere minute back your going to call the hotel you want to stay at otherwise any restaurants you’re schedule to tour so there’s no risk that you’ll be taken by astound.
Don’t use that memory for holds —Sometimes, hotels or car rental agencies is ask for a account card number so such they can hold a damage deposit see you’ve checked out or refunded the vehicle. While you can use a prepaid card for this purpose, it’s not continually a good idea, as it be essentially tie up an significant portion of your balance without actually using she.
Know how toward manage own card —Being able to check this balance on your prepaid credit card is an essential step in sticking to your travel budget. With of GBTI card, you pot easily verify your balance under gbtibank.com . You can also find information on there about reloading options for the card.
How do I get a GBTI VISA Travel Classic Card?
Anyone over the age of 16 with true ID and extra information bucket apply for the GBTI VISA Travel Classic Show. Application mailing are available at any GBTI branch or online at gbtibank.com .
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Global Entry cards are issued to Global Entry members who are U.S. citizens, U.S. lawful permanent residents and Mexican nationals.
Activating Your Global Entry Card
To activate your card, log into your Trusted Traveler Program (TPP) account. After you log in, click on the “Activate Membership Card” button under the Program Membership(s) section.
Using Your Global Entry Card
We accept Global Entry cards for lawful U.S. entry at land and sea ports of entry.
Global Entry cards have radio frequency identification chips, which enable their use at Secure Electronic Network for Travelers Rapid Inspection (SENTRI) and NEXUS travel lanes when entering the United States at the land borders. You must follow all program rules for SENTRI when using this card at the Southern land border ports of entry.
You may use this card for expedited entry into the United States via the SENTRI and NEXUS lanes. The card is not valid for entry into Canada via the NEXUS lanes.
Only your passport or lawful permanent resident card are accepted at Global Entry kiosks. The Global Entry card cannot be used at Global Entry kiosks. NEXUS cards are accepted at Global Entry kiosks located on Canadian Preclearance Airports.
Department of Defense Travel Card Benefits
Progress informed from the past, and inspired by the future, cardholder guide.
Official travel for the Department of Defense just became easier with the Citi Department of Defense Travel Card. When you are preparing to use your new card, please read What To Do When I First Receive My New Card . For more information regarding your new card, please read the Department of Defense Cardholder Guide .
Department of Defense Travel Insurance
As a cardholder, you will receive global travel accident and lost luggage insurance so you feel safe and secure wherever you travel with a Citi ® Commercial Card.
- Travel Accident Insurance Guide
- Lost Luggage Insurance Guide
Visa Guide to Benefits
In addition to the card benefits provided by Citi, Visa provides card benefits such as Car Rental Insurance and Travel and Emergency Assistance. For full details, please read the Visa Guide to Benefits .
For more information on your Citi Department of Defense Travel Card, please read What to do Before, During and After travel .
Citi's global online tool, CitiManager ® , enables you to manage business expenses from anywhere around the globe from your computer or mobile device; you can view statements online, confirm account balances, sign up for email and SMS alerts, and much more. If you have not already signed up for the CitiManager ® tool, please log on to www.citimanager.com/login and click on the 'Self registration for Cardholders' link. From there, follow the prompts to establish your account.
For more information on the CitiManager ® tool, view our CitiManager ® Cardholder Quick Reference Guide .
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How to Use Alipay with International Bank Cards
by That's Mandarin | Aug 23, 2023
Planning a trip to China? Considering what you’ll need for your trip? There’s one thing to plan ahead: online payments! There’s good news! We’ve prepared an easy guide to help you to use Alipay with international cards.
How to Use Alipay with Your International Bank Cards
01. money vocab.
Before we dive into the instructions, let’s take a look at essential money-related vocabulary that you might find useful during your time in China.
NOTE In Chinese, the measure word for money and currency units is 块 (kuài). For example, you can say:
他付了600块 (钱)。 Tā fù le liùbǎi kuài (qián). She paid 600 yuan.
NOTE In a restaurant in China, if you want to ask for a bill, you can call the waiter/waitress and say 买单 (mǎidān). It’s a common phrase used to indicate that you’re ready to pay and would like to get the bill.
02. Setting Up Alipay
Alipay is an online payment platform that offers a wide range of financial services including transactions, money transfers, and bill payments. Now that you know quite a few money-related words, you’re ready to get your own Alipay account. Let’s start:
Step 01. Download & Sign Up
First, download the app. It’s available both for iOS and Android.
下载支付宝 xiàzài Zhīfùbǎo to download Alipay
01. Sign Up
Use your e-mail or international phone number to sign up.
注册账号 zhùcè zhànghào to sign up
02. Verify Your Account
After you chose preferable sign up option, you will receive a verification code.
03. Set a Password
Finally, set a password to protect your account.
密码 mìmǎ password; PIN
❕You’re almost done! You already have Alipay account — now there are just a few steps left to make your first payment in China.
Step 02. Add Your International Bank Card
01. Once you’ve logged in, find the Bank Cards option in the menu.
02. Click “Add Card”.
03. Follow the instructions to add your international card.
Alipay now accepts the following international payment systems: – VISA – Master Card – Diners Club – Discover – JCB
🎉 Congrats, all set! Alipay not only makes your payments easier, but also integrates frequently used travel services, including hotel booking, air ticket booking, car-hailing, public transport and exchange rate checking.
How To Use Alipay
To make your first payment, choose one of the following options:
By selecting this option, you will need to scan the merchant’s QR-code.
02. Pay / Collect
Using this option, you will need to present your QR-code to the merchant.
We hope that this guide will help you to pay for the things in easy and convenient way!
Want to prepare yourself for your upcoming trip to China? Check a useful article about useful article about Chinese platforms that make life in China easier.
To find out more interesting facts about life in China and Chinese language and culture, check out That’s Mandarin official Instagram Profile.
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Best Credit Cards for International Travel of February 2024
ALSO CONSIDER: Best credit cards of 2024 || Best rewards credit cards || Best airline credit cards || Best hotel credit cards
Traveling outside the United States? Make sure the credit card you bring is a worthy companion. The best credit cards for international travel are accepted worldwide, provide solid rewards for travel-related expenses and don't charge an extra fee for purchases outside the U.S. Many of them also come with travel protections, such as trip delay and trip cancellation insurance and coverage for lost or delayed luggage.
Some of our selections for the best credit cards for international travel can be applied for through NerdWallet, and some cannot. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
NerdWallet's Best Credit Cards for International Travel of February 2024
Chase Sapphire Preferred® Card : Best for Flexibility and value
Capital One Venture Rewards Credit Card : Best for Simplicity
The Platinum Card® from American Express : Best for VIP travel
Chase Sapphire Reserve® : Best for Flexibility and high-end perks
Citi Premier® Card : Best for Rewards on everyday spending
Wells Fargo Autograph℠ Card : Best for Bonus rewards + no annual fee
Bank of America® Travel Rewards credit card : Best for Flat-rate rewards + no annual fee
Best Credit Cards for International Travel From Our Partners
Find the right credit card for you..
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Flexibility and value
Flexibility and high-end perks, rewards on everyday spending, bonus rewards + no annual fee, flat-rate rewards + no annual fee, full list of editorial picks: best credit cards for international travel.
Before applying, confirm details on the issuer’s website.
Chase Sapphire Preferred® Card
Our pick for: Flexibility and value
For a reasonable annual fee, the Chase Sapphire Preferred® Card earns bonus rewards (up to 5X) on travel, dining, select streaming services, and select online grocery purchases. Points are worth 25% more when you redeem them for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. The sign-up bonus is stellar, too. Read our review.
Capital One Venture Rewards Credit Card
Our pick for: Simplicity
The Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising. You earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus and other worthwhile perks ( see rates and fees ). Read our review.
The Platinum Card® from American Express
Our pick for: VIP travel
The Platinum Card® from American Express comes with a hefty annual fee, but travelers who like to go in style (and aren't afraid to pay for comfort) can more than get their money's worth. Enjoy extensive airport lounge access, hundreds of dollars a year in travel and shopping credits, hotel benefits and more. That's not even getting into the high rewards rate on eligible travel purchases and the rich welcome offer for new cardholders. Read our review.
Chase Sapphire Reserve®
Our pick for: Flexibility and high-end perks
The high annual fee on the Chase Sapphire Reserve® gives many potential applicants pause, but frequent travelers should be able to wring enough value out of this card to more than make up for the cost. Cardholders get bonus rewards (up to 10X) on dining and travel, a fat bonus offer, annual travel credits, airport lounge access, and a 50% boost in point value when redeeming points for travel booked through Chase. Points can also be transferred to about a dozen airline and hotel partners. Read our review.
Bank of America® Travel Rewards credit card
Our pick for: Flat-rate rewards + no annual fee
One of the best no-annual-fee travel cards available, the Bank of America® Travel Rewards credit card gives you a solid rewards rate on every purchase, with points that can be redeemed for any travel purchase, without the restrictions of branded airline and hotel cards. Bank of America® has an expansive definition of "travel," too, giving you additional flexibility in how you use your rewards. Read our review.
Wells Fargo Autograph℠ Card
Our pick for: Bonus rewards + no annual fee
The Wells Fargo Autograph℠ Card offers so much value, it's hard to believe there's no annual fee. Start with a great bonus offer, then earn extra rewards in a host of common spending categories — restaurants, gas stations, transit, travel, streaming and more. Read our review.
Citi Premier® Card
Our pick for: Triple points in multiple categories
The Citi Premier® Card earns bonus points on airfare, hotels, supermarkets, dining and gas stations. There's a solid sign-up bonus as well. Read our review.
HOW TO COMPARE CREDIT CARDS FOR INTERNATIONAL TRAVEL
The factors that go into choosing a credit card specifically for international travel aren't that different from choosing a travel card in general. You'll want to look at such things as annual fees, rewards rates, cardholder perks and sign-up bonuses. But a few items take on outsize importance when picking a card to use outside the United States:
Foreign transaction fees. Many cards slap a surcharge on purchases made outside the U.S. The typical foreign transaction fee is 3% of the purchase amount. Any credit card you plan to use abroad should not have this fee — period.
International acceptance. Visa and Mastercard are widely accepted internationally. If a place takes credit cards, it's probably going to take Visa and Mastercard. American Express is less widely accepted. Tourist-focused destinations will be friendlier to AmEx, but even then, take along a Visa or Mastercard as a backup. Discover lags way behind in international acceptance, although it does have partnerships with some foreign payment networks.
Travel protections. When you're far from home, a credit card becomes even more valuable if it offers coverage for things like trip delays or interruptions, luggage problems and rental car damage.
Understand that no travel rewards credit card — no credit card of any kind — is going to have everything you want. You're going to be disappointed if you expect to find high rewards rates, a generous sign-up bonus, top-notch perks and no annual fee. Each card delivers value through a different combination of features; it's up to you to compare cards based and choose the best credit card for international travel for your specific needs and preferences.
Our roundup of the best travel credit cards offers comprehensive guidance on choosing travel cards. Below, we'll hit the high points specifically as they apply to choosing a card for international travel.
Most of the best cards for international travel charge an annual fee. Fees around $100 are standard; for that, you can expect solid rewards and some useful benefits. Premium cards with extensive perks like airport lounge access and travel protections can have fees of $500 or more. Paying an annual fee isn't required, though. There are good cards on our list without annual fees (and we've rounded up more here ). Just be aware that if you go with a no-fee travel card, you'll earn rewards at a lower rate, your sign-up bonus will be smaller, and you won't get as many (if any) perks.
When looking at credit card rewards, there are two parts to the value equation: How much you earn when you make purchases with your card, and what you can do with those rewards.
Earning: The cards on this page all earn points of one kind or another. Some cards pay the same rate — for example, 2 points per dollar — on all purchases. Some pay bonus rewards in specific categories, such as travel, restaurants or gas stations. Don't just focus on the numbers, though. Pay attention to the details of the categories. For example, earning 5 points per dollar on airfare seems terrific. But there's a difference between earning 5X on airfare booked directly airlines (where you can hunt for the best deal) and earning 5X only on airfare booked through the issuer portal (where selection may be limited and prices inflated).
Redemption: Points are only as good as your ability to redeem them. Some cards give you a lot of options for using your rewards. Others, not so much. Can you use your points to book travel? Use them for statement credit to offset travel purchases? Redeem them for cash back? And what kind of value do you get per point when you redeem? The industry standard is 1 cent per point, but some cards give you more value for certain redemptions (and some cards give you less value for certain redemptions). Another consideration: Can you transfer points to partner airline or hotel loyalty programs to potentially get more value? If so, are those partner programs realistic options for you?
Travel cards tend to have the biggest sign-up bonuses — tens of thousands of points that you earn by hitting a certain amount of spending. But there's more to consider when comparing sign-up bonuses than just how many points or miles you earn. You must also take into account how much you have to spend to claim the bonus. Never spend money you don't have just to earn a sign-up bonus. Carrying $3,000 in debt for a year in order to earn a bonus worth $500 doesn't make economic sense. The interest you'll pay could easily wipe out the value of the bonus.
Foreign transaction fees
Simply put, if a card charges a foreign transaction fee, it's not a good credit card for international travel. These fees are surcharges on purchases made outside the U.S. The industry standard is about 3%, which is enough to wipe out most if not all of the rewards you earn on a purchase. If you never travel outside the U.S., these fees aren't a concern, but anyone who travels abroad should bring a no-foreign-transaction-fee card with them. Some issuers don't charge foreign transaction fees on any of their cards. Others charge them on some cards but not all.
Not all travel credit cards are great companions for international travel. While Visa and Mastercard are good pretty much worldwide, you may encounter limited acceptance for American Express and, especially, Discover, depending on the destination. This doesn't mean world travelers should dismiss AmEx and Discover. Just know that if you take one of these cards with you overseas, you'd be smart to bring along a backup in case you run into acceptance problems. (Having a backup card is good advice within the U.S., too, really.)
Consider which travel protections — car rental insurance , trip cancellation coverage , lost baggage protection — are important to you.
"Rewards" are what you get for using a credit card — the points earned with each transaction and the bonuses you unlock with your spending. "Perks" are goodies that you get just for carrying the card. There's a very close correlation between the annual fee on a card and the perks you get for carrying it. Cards with no annual fee are all about rewards and go very light on perks. Premium cards with annual fees of $500 or more are laden with perks (although sometimes their rewards aren't too special). Midtier cards (in the $100 range) tend to have solid rewards and a handful of high-value perks. Assuming you take advantage of them, the perks can often easily make up for the annual fee on a card.
To view rates and fees of The Platinum Card® from American Express , see this page .
Last updated on January 25 , 2024
NerdWallet's Credit Cards team selects the best credit cards for international travel based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of travelers. Factors in our evaluation include each card's annual fee, foreign transaction fees, rewards earnings rates, ease of use, redemption options, domestic and international acceptance, promotional APR period, bonus offers, and cardholder perks such as automatic statement credits, airport lounge access and travel protections. Learn how NerdWallet rates credit cards.