Credit Cards for Travel in 2025: Lounge Access, No Foreign Fees & More

Traveling in 2025 has never been easier — or more rewarding — for the savvy credit card user. Between airport lounge access, no foreign transaction fees, and travel protection perks, the right card can transform every trip into a smoother, more luxurious experience. Whether you’re a frequent flyer or an occasional vacationer, here are the best travel credit cards in 2025 and what makes them stand out.

1. American Express® Platinum Card — The Lounge Leader

Still the gold standard (or rather, platinum standard) for travelers, the Amex Platinum offers access to over 1,400 airport lounges worldwide, including Centurion®, Priority Pass™, and Delta Sky Club lounges. You’ll also receive automatic Hilton and Marriott Gold status, a $200 annual airline fee credit, and comprehensive trip cancellation and delay insurance. While the $695 annual fee is steep, frequent travelers easily recover the cost through perks and credits.

2. Chase Sapphire Reserve® — Best for Frequent Flyers

The Chase Sapphire Reserve® remains a top-tier choice for its blend of flexibility and premium rewards. You’ll earn 3x points on travel and dining, with points worth 50% more when redeemed through Chase Ultimate Rewards®. The card also includes Priority Pass™ lounge access, a $300 annual travel credit, and elite-level travel insurance coverage. No foreign transaction fees make it perfect for international travelers.

3. Capital One Venture X® — Best for Simplicity

If you want luxury benefits without juggling bonus categories, the Capital One Venture X® is your go-to. You’ll earn 2x miles on every purchase and 10x on hotels and rental cars booked through Capital One Travel. The card comes with a $300 annual travel credit and unlimited access to Capital One Lounges and the Plaza Premium network. Best of all, it has no foreign transaction fees and a surprisingly low $395 annual fee for its benefits.

4. Wells Fargo Autograph Journey℠ — Best Newcomer for 2025

The new Autograph Journey℠ card from Wells Fargo has quickly become a favorite among travel-savvy consumers. You’ll earn 5x points on hotels, 4x on airlines, 3x on dining and transit, and 1x on everything else. There are no foreign transaction fees, and the card includes cell phone protection plus built-in travel insurance — impressive for its moderate $95 annual fee.

5. Bank of America® Travel Rewards — Best No-Fee Option

For travelers who prefer simplicity and no annual fee, the Bank of America® Travel Rewards card is a solid pick. It offers 1.5 points per dollar on every purchase with no blackout dates and no foreign transaction fees. When paired with a Bank of America checking or savings account, Preferred Rewards members can boost earnings by up to 75% — making this one of the best no-fee travel cards available.

6. What to Look For in a Travel Credit Card

• No foreign transaction fees: Essential for international trips — otherwise, you’ll pay up to 3% extra on every purchase.
• Comprehensive travel protection: Trip delay, baggage loss, and car rental insurance save money and headaches.
• Global lounge access: For frequent flyers, comfort between flights matters as much as earning points.
• Flexible redemptions: Cards tied to multiple airline or hotel partners give you freedom when booking.

Final Thoughts

The best travel credit cards in 2025 combine flexibility, protection, and comfort. Whether you want airport luxury, simple rewards, or fee-free spending abroad, there’s a perfect match for every traveler. Evaluate your spending habits, weigh the annual fees against the perks, and remember: the right travel card isn’t just about miles — it’s about making every journey smoother from departure to arrival.

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