Top 10 Travel Credit Cards

When traveling, it is important not only to map the path and choose the sights. You must have a convenient means by which you can pay in any city. And a bank card can be such a tool. The best options allow you to profitably convert rubles into currency without searching for exchange points. And provide many additional benefits. But not all cards are equally convenient.

That is why we ranked the best credit cards for those who are going to travel. It includes the most successful options. When searching for travel plastic, it is necessary to take into account several parameters at once: the conversion rate, the availability of privileges, cashback (including points for travelers). Remember that credit cards almost always have a high cash withdrawal fee. But if you need borrowed funds abroad, then credit will do as well, provided that you do not withdraw money. Also, when writing the rating, we took into account traveler reviews.

Top 10 best travel credit cards

For faster comparison, we have compiled a table of maps, which contains their key characteristics.

Map	Conversion rate	Cross-border payment	Rate per loan per year	Credit limit, rub.	Cashback / Bonuses	Privilege
Tinkoff All Airlines Black Edition	CB rate + 2%	0%	from 12%	up to 2 million	from 1 to 10%	Yes
Tinkoff platinum	CB rate + 2%	0%	from 12%	up to 300 thousand	from 1 to 30%	not
Euroset Corn	at the rate of securities	0%	from 28.9%	up to 300 thousand	until 3%	not
Alfa-Bank Alfa Travel Premium	CB rate + 1%	2,5%	from 23.99%	up to 1 million	from 2 to 11%	Yes
FC Opening Travel Golden	CB rate + 1%	0%	from 18.9%	up to 300 thousand	3%	not
Beeline Card	at the rate of securities	0%	from 28.9%	up to 300 thousand	from 1 to 5%	not
Gazprombank Travel Miles	CB rate + 2%	0%	from 21.9%	two monthly incomes	from 1 to 10%	not
BinBank Airmiles	CB rate + 2.5%	0%	24%	up to 1 million	from 1 to 7%	Yes
Promsvyazbank "World Map Without Borders"	CB rate + 1.5%	0%	27%	up to 600 thousand	from 1 to 10%	not
Raiffeisenbank Travel Rewards	CB rate + 1.5%	1,65%	from 27%	up to 600 thousand	3%	not

For more information, be sure to read the description of each card below.

10 Raiffeisenbank Travel Rewards

Credit card specifically for those who are constantly traveling. It has a good limit - up to 600 thousand rubles. But the percentage is not happy - from 27% per annum. The main advantage is the possibility to issue a free additional card for one account. This can be very convenient abroad, if you go on holiday with your family.

Cash withdrawals at foreign ATMs are subject to a commission of 3.9% of the amount and 390 rubles on top. Fixed cashback - 1 ruble for every 30 rubles spent, that is a little more than 3% of the amount. Credit card service will cost 2990 rubles per year. At the same time, mobile information and online banking are free.

The card account can only be in rubles. Therefore, an additional 1.65% will have to be paid for the cross-border payment. Currency conversion takes place at the rate of the Central Bank + 1.5% of Raiffeisenbank. Total losses will be more than 3%, which is not very profitable. So take care of the correct map in advance.

9 Promsvyazbank "World Map Without Borders"

MasterCard World credit card with excellent conditions and the cost of 1990 rubles per year. It is interesting that it can be made payroll - perhaps it will be convenient for someone. The main feature of the card is an interesting bonus program. Received points, the owner is free to dispose of whatever you want - choose the airline yourself, pay the ticket in full or in part with bonuses, and also spend it on anything you like during your holiday, and not just a round-trip flight.

Despite the “non-privilege” of the card, the bank will make its owner insurance with a coverage of up to 50 thousand euros. In addition, in the reviews they write that the bank does not block the card, even if it is not warned about leaving abroad. Cashback varies - for any purchases you will receive 1.5%. For spending outside the Russian Federation or in the Travel category, 3% will return. And for promotional sections, which periodically change, you can get 10% cashback. The credit limit for a relatively cheap card is good - 600 thousand rubles. The loan rate is 27%, which is not too small. Commission - 4.9% of the withdrawal amount at an ATM.

Cross-border payment, in turn, on the card is made unusually. If you pay something in rubles, dollars or euros, it will not be - you only need to pay for the conversion at the rate of the Central Bank + 1.5% on top. And if in a different currency from these three, you will have to pay an additional 1.99% to the exchange rate.

8 BinBank Airmiles

We recommend purchasing such a card together with the Premium package of services in order to get the maximum privileges to choose from Visa Signature or MasterCard World Black Edition. For 1950 rubles a month you will get all the benefits of "platinum" and free insurance for 100 thousand euros. In addition, the card, as stated by the bank, will be multicurrency. The main monetary unit is the ruble, the auxiliary currency is the euro, the dollar and the British pound.

Binbank made an interesting system of accrual of cashback and interest on the balance. They come in the form of bonuses to a special virtual account at the rate of 1 ruble = 1 point. Cashback size varies. For ordinary purchases on the card, it is 1% of the amount. And in the category "Travel" return increases to 7%. In this case, you can spend it only on the purchase of tickets, rent of transport or booking hotels. The balance is charged 6% per annum. You can withdraw your own cash at ATMs without a commission, but with a limit of 75 thousand rubles per month. Credit - with a commission of 3.5%.

If the rate is not paid in the wrong currency on the card is unprofitable, Binbank adds another 2.5% to the Central Bank level. But at the expense of cashback overpayment leveled to an acceptable 1.5% at least. So it is worth counting on this nuance.

7 Gazprombank Travel Miles

The Gazprombank cards issued as part of Travel Miles can be called a very successful solution for travelers. In the set there are two cards linked to one customer account: the main Visa Gold and, as an additional, MasterCard World. This is very convenient, because these two payment systems have different main currencies: Visa only has a dollar, and MasterCard has both a dollar and a euro at the same time. Therefore, you can take them with you to any country where you need to pay euros or dollars. Interestingly, the credit limit is calculated on the basis of the holder’s salary - the bank gives only two average monthly incomes, which is not very much, for a grace period of up to 90 days. Interest rate - 21.9% per year.

In addition to the main bonus points, the bank also earns bonus points - for every 30 rubles an additional 2 miles drips during the first month of use, and in subsequent months - by 0.5. So with serious spending, you can quickly save up for a trip. Conveniently, unnecessary miles can be transferred to relatives or friends, collecting them on one account. But, unfortunately, such a cashback can only be spent on iGlobe - this is a partner of the bank that organized the bonus program.

Unfortunately, it is impossible to achieve free service of cards or receive a percentage on the balance - the bank does not provide such an opportunity.You will have to pay 1,300 rubles a year for a set of two cards, which is pretty good. In addition, you can get a credit card of this kind only to Gazprombank payroll clients.

6 Beeline Card

Often this card is called the younger sister of Corn. Indeed, they have one issuer - the NSCA “Payment Center”, and the tariffs and conditions are similar. Like Kukuruzy, the card has a serious drawback - the funds on it are not insured at all, until the service “Percent on the balance” is activated. The card should be issued first of all to those who use the mobile operator Beeline: at the expense of bonuses, you can get a good discount on communications or accessories. But first things first.

There are no fees for cross-border payment or conversion on the card - money is transferred to another currency at the rate of the Central Bank. The bonus program serves as a cashback - for each purchase it returns 1% bonuses. If you select "favorite" categories, then for them you will receive 5% cashback. Up to 3,000 bonuses can be received per month, but they are only spent in Beeline stores for smartphones, accessories, communications and other goods. Standard credit limit - up to 300 thousand rubles. The percentage per year, like that of the “elder sister”, is too big - 28.9%.

The card allows you to open an account only in Russian currency. So it is not profitable to take it to countries where there are no dollars or euros in circulation, because you can run into a double conversion, which will entail additional costs. The big drawback is expensive cash withdrawals: 4.9%, but not less than 500 rubles at a time.

5 FC Opening Travel Golden

The card category is Visa Gold with all the resulting benefits. There is even a free insurance for traveling abroad in the amount of 35 thousand euros. The card will cost 2990 rubles per year. Compared to other rating cards, the credit limit for a gold card is small — only 300 thousand rubles. But the rate is not the worst - from 18.9%

Pleases rates for using the card. Currency conversion is more than profitable - only + 1% to the Central Bank rate. There are no cross-border payments. There is a cashback, and it is credited in the form of points - they can be spent on any airline tickets or booking accommodation during a trip with the bank’s partners. Fixed amount - 3 rubles for every 100 rubles, or 3%. If you spend money on the bank site for travelers, then instead of 3 rubles will be charged 5.

The ATM withdrawal fee is 3.9%. The limit per month on cash withdrawal is 300 thousand rubles. You also have to pay for SMS-informing - it costs 59 rubles per month.

4 Alfa Bank AlfaTravel Premium

Expensive premium card with the corresponding privileges. It is worth the pleasure of 5000 per month (premium package of services with a free first card), plus for the plastic itself you need to pay 4,990 rubles a year. In addition to the standard bonuses for cards of this type has a lot of additional - in particular, discounts on taxis and car rental, free internet and so on. Separately, it is worthwhile to highlight the Concierge service: the bank will provide a personal manager who will carry out personal orders. Interestingly, the credit limit "for all" is 1 million. And the rate starts at 23.99% per year.

You can open the card in the currency (dollars / euro / francs / pounds). Withdrawals from ATMs in other countries for free. Visa Signature allows you to go to the VIP-zones of airports. The bank draws out extended insurance for the cardholder and his family with an insurance amount of up to 150 thousand euros. The bonus program is designed for people who spend a lot of money. Starting from 10 thousand rubles spending per month cashback miles (which can be spent on tickets or hotels) for any purchases will be 2%. From 70 thousand - 3%. And from 100 thousand - 5%. Moreover, if you purchase tickets and book hotels on the site of the card, the refund amount will increase up to 11%.

If you need to change the currency from the ruble to the dollar or the euro, the loss on the cross-border payment will be an extra 2.5%.If you use a card in a certain currency in the country where it is used, there will be no additional commission.

3 Euroset Corn

Card Corn MasterCard PayPass - quite a good option. It has almost no drawbacks compared to most other traveler cards. Plastic is serviced for 250 rubles per year and has almost no commissions. Card Issuer - RNKO “Payment Center”. Since the organization is non-banking, contributions to it are not insured. The card allows you to get a credit limit of up to 300 thousand rubles with a grace period of 55 days. But the interest is high - from 28.9% and above.

There is no commission for cross-border transfers. The conversion of rubles into dollars or euros - at the rate of the Central Bank, so you do not have to overpay for services. It is interesting that SMS informing also got into the service of the card. To withdraw money without a commission will not work - you will have to pay a minimum of 1% for your own funds. And credit is subject to a large percentage - at least 4.9% (from 400 rubles). Conveniently, there is an informative internet banking with a mobile application. Cashback is 1.5% for any purchases. If you connect the option "Double benefit", then its size will grow to 3%. At partners, the return sometimes reaches 20%.

There is only one drawback - the card can only have a ruble account. Therefore, it is better not to take it in a country whose currency is different from the euro or the dollar. For such situations, cards with currency accounts and similar conditions are more suitable. And for simple trips, judging by the reviews, the Corn fits perfectly.

2 Tinkoff platinum

A classic Tinkoff Bank credit card is very advantageous when traveling. But this is not a complete “Platinum”, but only a name - it is based on MasterCard World. At the expense of a good cashback, you can take this ruble card with you - the losses on currency exchange will be minimal. The service costs 590 rubles a year - taking into account the fact that there is one name from the “platinum” in the card, the cost is quite acceptable.

Conveniently, there is a cashback for all categories of goods - at least 1%. And you can also buy goods from the special offers of the bank - then the return starts from 3%. Purchases from partners can raise cashback up to 30%. There is no cross-border payment at all. Tinkoff uses its own currency conversion rate, which exceeds the CBR rate by 2%.

Not happy that notifications of operations will cost 59 rubles per month. If you withdraw cash from an ATM, you will have to pay 2.9% of the amount plus 290 rubles on top - and this is a minus. However, for such a price, the “platinum” card fully meets expectations.

1 Tinkoff All Airlines Black Edition

Premium card with mile program. It will cost 1490 rubles per month. But you can use it for free if you keep 3 million in bank accounts or spend at least 200 thousand rubles. In addition to the standard privileges of premium cards (in particular, the passage in the VIP-zone twice a month), the bank provides a personal manager, concierge service, gift insurance of the owner and his family for 100 thousand dollars when traveling. The credit limit is huge - up to 2 million rubles. At the same time, the minimum rate is quite low - only 12%.

The card works with the bank's mile program. Cashback is charged for all purchases. It is considered in the form of miles - you will receive at least 1% return on every 100 rubles. You can receive up to 10% for booking a room in a hotel or hostel, as well as renting a car, and up to 5% for tickets. At partners the size of cashback can reach up to 30%. You can get money from ATMs for free, but only up to 100 thousand rubles a month. More and more subject to a commission of 2%. I am glad that you do not have to pay for the SMS information.

The disadvantage can be considered the absence of other currencies, except for the ruble - when used abroad will have to spend money on conversion (securities + 2%). However, due to the cashback almost all the difference will be covered. In the reviews, many say that the card is profitable, even despite the course.

Popular vote - which credit card is best for travel
We vote!

Tinkoff All Airlines Black Edition

Tinkoff platinum

Euroset Corn

Alfa-Bank Alfa Travel Premium

FC Opening Travel Golden

Beeline Card

Gazprombank Travel Miles

BinBank Airmiles

Promsvyazbank "World Map Without Borders"

Raiffeisenbank Travel Rewards

Total votes: 3

Vote results