Living and working across borders has its perks, but international transactions and travel expenses can add up fast. For digital nomads, the right travel credit card is more than just a convenience—it’s a powerful tool to save money, earn rewards, and avoid foreign transaction fees while hopping from one destination to the next.
Here’s a guide to some of the best travel credit cards for digital nomads in 2025, along with the key features that make them ideal for a location-independent lifestyle.
1. Chase Sapphire Preferred® Card
Why it’s great:
This card offers a strong combination of generous travel rewards, flexible point redemptions, and no foreign transaction fees. The points can be transferred to several travel partners or used through Chase’s travel portal at a 25% bonus.
- Sign-up bonus: 60,000 points after meeting minimum spend
- Annual fee: $95
- Foreign transaction fees: None
- Best for: General travel and dining rewards
2. Capital One Venture Rewards Credit Card
Why it’s great:
Simple and flexible, this card earns 2X miles on every purchase, making it perfect for nomads who don’t want to track category bonuses. Miles can be redeemed for travel purchases or transferred to airline partners.
- Sign-up bonus: 75,000 miles after qualifying spend
- Annual fee: $95
- Foreign transaction fees: None
- Best for: Flat-rate earners who prefer easy redemptions
3. American Express® Gold Card
Why it’s great:
With strong rewards on food and travel, this card is a favorite for nomads who enjoy dining out. It comes with premium perks like dining credits and access to travel benefits.
- Sign-up bonus: 60,000 Membership Rewards points
- Annual fee: $250
- Foreign transaction fees: None
- Best for: Foodies and travelers who value premium service
4. Chase Sapphire Reserve®
Why it’s great:
For those who travel frequently and want a premium experience, this card offers 3X points on travel and dining, airport lounge access, and a $300 annual travel credit.
- Sign-up bonus: 60,000 points
- Annual fee: $550
- Foreign transaction fees: None
- Best for: Frequent travelers seeking luxury perks
5. Charles Schwab Debit Card (Honorable Mention)
Why it’s useful:
While not a credit card, this debit card deserves a shoutout for its ATM fee reimbursements worldwide. It’s perfect for digital nomads needing cash in different countries without paying hefty ATM fees.
- Foreign ATM fees: Fully reimbursed
- Foreign transaction fees: None
- Best for: Managing cash without extra costs
6. Citi Premier® Card
Why it’s great:
This card earns strong rewards in travel categories including airfare, hotels, and restaurants. Points can be transferred to multiple airline partners or used for travel directly through Citi.
- Sign-up bonus: 60,000 ThankYou Points
- Annual fee: $95
- Foreign transaction fees: None
- Best for: International travel and flexible redemptions
7. Bank of America® Travel Rewards Credit Card
Why it’s great:
A no-annual-fee option that still earns unlimited 1.5 points per dollar on all purchases. It’s ideal for digital nomads who want simplicity and no yearly cost.
- Sign-up bonus: 25,000 points
- Annual fee: $0
- Foreign transaction fees: None
- Best for: Beginners or budget-conscious nomads
Features to Look for in a Digital Nomad Credit Card
When choosing a travel credit card, digital nomads should prioritize:
- No foreign transaction fees: Essential for avoiding extra charges on overseas purchases
- Travel insurance benefits: Coverage for trip delays, cancellations, and lost luggage
- Point flexibility: Ability to transfer to airlines or redeem for a range of travel options
- Worldwide acceptance: Choose cards that work well internationally, like Visa or Mastercard
The right travel credit card can be a game-changer for digital nomads. From earning points on daily expenses to saving on fees and accessing exclusive perks, these tools help turn every dollar into an opportunity—whether it’s a flight to your next destination or a night in a boutique hotel.