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Using the Post Office Travel Money Card: Pros and Cons

post office preloaded travel card

Table of Contents

T he Post Office Travel Money Card is a convenient and secure way for UK residents to manage their finances while traveling abroad. This prepaid card allows travelers to load funds in multiple currencies, offering a practical alternative to carrying cash or using credit cards overseas. It’s particularly popular among those who seek a controlled and budget-friendly travel spending method.

What is the Post Office Travel Money Card?

The Post Office Travel Money Card is a prepaid, multi-currency card that can be loaded with up to 23 different currencies. It functions similarly to a debit card but is specifically designed for international travel. The card can be used to make purchases at millions of locations worldwide where MasterCard is accepted and to withdraw money from ATMs.

Pros of the Post Office Travel Money Card

  • Convenience and Ease of Use : The card is straightforward to obtain and use. Travelers can easily load funds onto the card online or at a Post Office branch.
  • Security Features : The card is not linked to a bank account, reducing the risk of fraud. Additionally, if lost or stolen, it can be easily replaced.
  • Wide Acceptance : Being a MasterCard product, it’s accepted at a vast number of outlets and ATMs worldwide.
  • Currency Exchange Rates : Users benefit from competitive exchange rates compared to traditional currency exchange services.
  • Budget Control : The prepaid nature allows travelers to manage their spending effectively, avoiding the risk of debt.

Cons of the Post Office Travel Money Card

  • Fees and Charges : Although the card offers free purchases, there are fees for certain transactions, such as ATM withdrawals and inactivity.
  • Limitations in Usage : Some countries and establishments may not accept the card, limiting its utility in certain situations.
  • Reloading Issues : Adding more funds to the card can be less straightforward, especially in remote areas or during non-business hours.
  • Customer Service Concerns : Some users have reported issues with customer service, particularly in resolving card-related problems quickly.
  • Comparison with Other Travel Money Options : While the card has many benefits, it may not always be the best option compared to other travel money products, like credit cards with no foreign transaction fees.

User Experiences and Reviews

Feedback from users generally highlights the convenience and security of the card. However, some have noted the fees and reloading issues as drawbacks. It’s essential to consider both the positive and negative aspects to make an informed decision.

How to Get and Use the Card

Obtaining the card is a simple process, either online or at a Post Office branch. Users need to load the card with the desired amount and can start using it immediately. For reloading, options include online transfers or visiting a Post Office.

Best Practices for Cardholders

To maximize the benefits of the card:

  • Keep track of spending and remaining balance.
  • Be aware of the fees for different transactions.
  • Have an alternative payment method as a backup.

Alternatives to the Post Office Travel Money Card

Other options include other brands of travel money cards, credit cards with no foreign transaction fees, and traditional cash exchange. Each has its pros and cons, depending on individual travel needs and spending habits.

The Post Office Travel Money Card is a valuable tool for travelers seeking a secure and convenient way to manage their funds abroad. While it has several advantages, potential users should also be aware of its limitations and fees.

Q: How does the Post Office Travel Money Card work? A: It’s a prepaid card that you load with currency before traveling. You can use it for purchases and ATM withdrawals anywhere MasterCard is accepted.

Q: Are there any fees associated with the card? A: Yes, there are fees for certain transactions like ATM withdrawals, and there may be inactivity fees if the card is not used for a prolonged period.

Q: How do I load money onto the card? A: You can load money online or at any Post Office branch. The process is simple and can be done in multiple currencies.

Q: What should I do if my card is lost or stolen? A: Contact the Post Office immediately to report the lost or stolen card. They will arrange for a replacement and transfer the balance from the old card.

Q: Can I use the card in any country? A: The card is accepted in most countries worldwide. However, it’s always best to check the specific country’s acceptance before traveling.

Q: How does the card compare to using a regular debit or credit card abroad? A: Unlike regular cards, the Travel Money Card is prepaid, which helps in budget management. However, some regular cards might offer better exchange rates or lower fees, so it’s worth comparing options.

Q: Is the Post Office Travel Money Card a good option for all travelers? A: It depends on individual needs. The card is excellent for those who want a secure, budget-friendly way to carry money abroad. However, for those who travel frequently or to less common destinations, other options might be more suitable.

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Money Transfer Expert

Post Office Travel Card Review 

post office preloaded travel card

Travelling is one of the most exciting and liberating experiences out there. Whether you’re jetting off to a far-off destination or just exploring your own country, having the right travel card can make the whole experience easier and more enjoyable.

Are you planning a trip? If so, you may be wondering if the Post Office Travel Money Card is a good option for you. In this article, we’ll take a close look at the Post Office Travel Money Card, how it works, and what you need to know before using it. 

By the end of this guide, you’ll have all the information you need to make an informed decision about whether or not the Post Office Travel Money Card is right for your next trip.

Table of Contents

Benefits of Having a Travel Card

First and foremost, travel cards are an excellent way to earn miles and points. This can be incredibly valuable if you are a frequent traveller or want to visit somewhere far off where you’ll have to pay high airfare. Plus, you can use these miles and points to book travel, hotels, flights, vacation packages, and more. 

Another major advantage of travel cards is their versatility. As you travel, you’ll have the ability to withdraw cash from ATMs using your card, pay for purchases using your card, and even get roadside assistance on select cards. You’ll also have access to excellent trip cancellation and travel insurance. 

Plus, travel cards are typically easier to qualify for than other types of credit cards. This is because many companies view travel cards as a “safe” type of credit. However, having a travel card can also help to improve your credit score.

Post Office Travel Cards: What Are They?

The Post Office Travel card is a Mastercard prepaid card, which can be loaded with a choice of 23 currencies. ATMs are available in more than 200 countries where you can spend and withdraw money.

You can load your account with any currency before travelling and then use it abroad without having to convert your currency.

Post Office Travel offers a contactless card that can be accessed through its app.

Post Office Travel Cards Benefits and Features

Here’s a quick look at the Post Office Travel card’s main features and benefits:

  • Payments for low-value items can be made quickly and conveniently using contactless technology
  • Compatible with Apple Pay and Google Pay
  • With the Travel app, you can manage your card, top it up, transfer currencies, as well as freeze it.
  • You can choose from 23 different currencies and top it up whenever you need it
  • Accepted everywhere Mastercard is accepted
  • Call centre assistance is available 24/7
  • Whenever there is currency left over, it can be transferred into another currency by using the wallet-to-wallet feature
  • If you use a local currency supported by your card to spend abroad, there are no fees 

Post Office Travel Card Costs

Travel money cards from the Post Office cost nothing to order and no fees apply when you pay for purchases using the currency you hold. Provided your available balance is in a currency accepted by the card, you can shop, dine, and drink without any charges.

When using your card in a country that doesn’t support the currency of your card, you will have to pay a 3% foreign transaction fee. Using your card in Brazil, for example, will result in a 3% foreign transaction fee since the Brazilian Real isn’t a supported currency.

Despite the card’s currency support, you’ll still have to pay ATM withdrawal fees. Each currency has a different ATM fee. 

An example would be:

  • Euro – 2 Euros
  • Canadian Dollar – 3 Canadian Dollars
  • US Dollar – 2.5 United States Dollars
  • Swiss Franc – 2.5 Switzerland Francs
  • Australian Dollar – 3 Australian Dollars
  • Pound Sterling – 1.5 Pounds Sterling plus 1.5% commission

Regarding fees, one final note. There is a three-year validity period on all Post Office Travel cards. After your card expires, you will be charged a maintenance fee of £2 per month.

Exchange Rates

Exchange rates fluctuate based on the demand for currencies at the Post Office. Thus, you’ll receive a particular amount of travel money depending on the current exchange rate.

For travel money cards, you can get exchange rates at Post Office branches and on the website. Be sure to remember that rates may differ whether you are purchasing online, by phone, or in person.

In addition to the margin, the exchange rate at the Post Office will probably include a markup. When you search for the rate on Google or currency websites, you’ll most likely get an accurate one. Consequently, a margin will reduce the amount you receive when exchanging EUR, USD, or another currency.

A Post Office Travel Money company profits by offering its customers a better rate than the base rate. U.K. pounds are converted into U.S. dollars at a rate of 1.23 dollars per pound, for example. 

If you exchange £400 through Post Office Travel Money, you can get 1.18 USD per pound. In this case, there is a difference of £16 or 4%. Exchange rates are better when you exchange large sums of money . 

Exchange Rates for In-Branch Travel Money

According to the Post Office, in-branch exchange rates are determined by many factors, including branch location, competitor pricing, convenience, etc. The company will always strive to offer the best possible rate within these parameters. Online orders/distribution is the cheapest method for many retailers, as they can use centralised packing costs. Because of this, online exchange rates are always better than branch rates.

Comparing Post Office Travel Money Rates to Other Providers

There are several new services that it’s worth comparing directly to Post Office Travel Money.

Online-Only Banks

There have been several purely mobile banks launched in recent years both in the UK and across Europe. With services like Monzo, N26, Revolut, Monese, or Bunq, consumers can access a wide range of banking options. 

Each of these modern financial institutions provides services such as money transfer agencies and international travel cards, and it makes sense to compare them with Post Office Travel Money.

For example, Monzo facilitates international money transfers through the popular exchange company Wise. For example, when sending a thousand pounds to a Swedish account using Monzo/Wise, the recipient receives 12,103 Swedish crowns versus 11,546 with Western Union, a difference of around 5%.

Other Currency Providers

It may also be possible to transfer money at a better rate in some countries. Using Xendpay, you could send 500 pounds to Saudi Arabia, and the beneficiary would receive 2,289 Saudi Riyals instead of 2,158 Saudi Riyals with Post Office Travel Money.

Supported Currencies

Prepaid travel cards from Post Office can be loaded with any of the following 23 currencies:

  • CAD – Canadian dollar
  • JPY – Japanese yen
  • USD – US dollar
  • AUD – Australian dollar
  • CHF – Swiss franc
  • AED – UAE dirham
  • CNY – Chinese yuan
  • DKK – Danish kroner
  • PLN – Polish zloty
  • CZK – Czech koruna
  • ZAR – South African rand
  • GBP – Pound sterling
  • TRY – Turkish lira
  • HKD – Hong Kong dollar
  • THB – Thai baht
  • HRK – Croatian kuna
  • SGD – Singapore dollar
  • HUF – Hungarian forint
  • SEK – Swedish kronor
  • SAR – Saudi riyal
  • NOK – Norwegian krone
  • NZD – New Zealand dollar

Sending Money With the UK Post Office

Many Post Office branches and their website offer Post Office Travel Money. They offer convenient and quick foreign exchange services. They are useful for local currency exchanges because they are so widely available. Post Office services like international money transfers and travel cards offer additional options for sending and spending overseas.

How to Get and Use a Post Office Travel Card?

Post Office travel cards are only available to UK residents over 18 years old.

Ordering Your Card

To order a Post Office Travel card, you can do one of three things:

  • You can order through the Post Office Travel app
  • Visit the Post Office website to apply online
  • Get your card at your local Post Office. It will be necessary to bring photo identification, like a passport or driver’s licence

Your card should be available immediately if you apply at a branch. Your card will be delivered within two to three days after you apply online or via the app.

Card Activation

It’s necessary to activate your travel card before you can use it. You’ll find detailed instructions in your welcome letter.

Using Your Card

ATMs and online sites that accept MasterCard accept Post Office travel cards, too. If you are buying something in person, you’ll need your PIN to verify your purchase and possibly your signature if the Chip and PIN system is not widely available in the country.

In some countries, contactless payments are also allowed for small amounts, although the rules and limitations vary.

According to its terms and conditions, you should not use your Post Office card in certain situations. 

Some of them include:

  • Tolls on the road
  • Petrol pumps with self-service
  • Deposits for car rentals or hotels
  • Airline or cruise ship transactions

Adding Money to Your Card

With the Post Office Travel app, you can add money to your card easily. Additionally, you can add money at a local branch or on the Post Office website.

Buying Back Currencies

Having unused currency on your card gives you a few options. You may be able to withdraw cash at your local Post Office branch or ATM, but there may be a fee.

Wallet-to-wallet transfers are also available in the app. You can transfer unused balances from one currency to another. In preparation for your next trip to Europe, you can convert unused USD into EUR.

Each currency listed above can be topped up for between fifty pounds and five thousand pounds on your card. Your card can hold up to ten thousand pounds, as well as carry out transactions of up to thirty thousand pounds annually.

Different currencies have different limitations on cash withdrawals. For example, in a single transaction, you may withdraw up to 450 euros or 500 dollars.

App Overview

On Google Play and the App Store, you can download the Post Office Travel app for free. With the app, you can activate and order your card, check your balance, add money to it, and more. 

In addition to transferring leftover currency between wallets, it’s possible to convert it to another currency you prefer by using the new wallet-to-wallet feature.

Furthermore, you can book airport parking, purchase travel insurance through the app, and use other features.

Contacting the Post Office 

If you need assistance, you may reach the contact centre by dialling 0344 335 0109 in the United Kingdom or 0044 20 7937 0280 from abroad. Customer service is available each day of the week at any time of the day.

In addition, you can reach Customer Services at the Post Office in the following ways:

  • Postal mail at PO Box 3232, Cumbernauld, G67 1YU, Post Office Travel Card
  • Send an email to [email protected]

Post Office Travel Card: FAQs

Here are some common travel card problems you might encounter.

When I lose or damage a card, what do I do?

Post Office currency cards are easy to replace if lost or damaged. Your card will be blocked, and another one will be sent to you. App users can also freeze their cards.

How should I deal with a declined or blocked card?

The first thing you need to do is ensure that you have enough money in your account via the app. If you don’t have enough money in your account to purchase your item, call the customer care centre.

If I forget my PIN, what should I do?

Call the customer service centre if you cannot remember your travel money card PIN. If you need a new one, they can issue it for you.

My card is about to expire. What should I do?

A new card should automatically be sent to you. You can call the contact centre if it hasn’t arrived after the expiration date, and they’ll issue you another.

Post Office Prepaid Travel Card Summary 

Travel cards from the Post Office are handy if you want to keep your money safe while you’re away from home. The convenience of not carrying cash around with you and not having to change money during your trip will make your trip much more enjoyable.

Because it’s a contactless card, you can pay in local currencies quickly and easily. This helps you budget because you can only spend what’s on it.

If you travel frequently or take multi-destination holidays, the card is convenient since you can store 23 currencies on it. A card that supports a variety of currencies might be more useful if you love exploring far-flung areas.

The exchange rate is a drawback to take into account. Post Office rates may be competitive (compared to airport exchange rates, for example), but they will likely include a margin or markup. ATMs also charge fees when you use your card.

Comparing other travel money cards could help you find a better deal, so make sure to shop around.

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by Matt Woodley

Here Are the Four Best Travel Money Cards in 2024

post office preloaded travel card

Co-Founder of Monito and money transfer expert, François has been helping Monito’s users navigate the jungle of money transfer fees, bad exchange rates and tricks for the last ten years.

post office preloaded travel card

A writer and editor at Monito, Jarrod is passionate about helping people apply today’s powerful finance technologies to their lives. He brings his background in international affairs and his experiences living in Japan to provide readers with comprehensive information that also acknowledges the local context.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

From the multitude of bank fees and ATM charges to hidden currency conversion fees, there's no question that spending your money abroad while travelling can be costly — and that's saying nothing about the cost of the holiday itself!

As you prepare for your trip abroad, the golden rule is that you'll save the most money by using the local currency of your destination. This means withdrawing local cash at foreign ATMs and using a debit card to pay directly in the local currency. For example, if you're from the UK, using your bank's debit card that accesses your British pounds will likely lose you money to hidden fees at ATMs abroad and at local merchants.

In general, we rate Revolut as the best travel card all around. Its versatile account and card can be used to spend like a local pretty much anywhere in the world. ✨ Get 3 months of free Revolut Premium as a Monito reader with our exclusive link .

If you're from the EU, UK, or US, here are a few more specific recommendations to explore:

  • Best for travelling from the UK: Starling Bank
  • Best for travelling from the US: Chime ®
  • Best for travelling from the Eurozone: N26

If it's not possible for you to spend in the local currency when travelling abroad, then spending in your home currency while using a card that doesn't charge any hidden exchange rate markups from your bank (e.g. only the VISA or Mastercard exchange rates to convert currency) is still a good bet for most people.

In this guide, we explore cards that waive or lower ATM fees and that hold multiple currencies. Spend on your holiday like a local and enjoy peace of mind after each tap and swipe!

Best Travel Cards (And More!) at a Glance

Best travel money cards.

  • 01. What is the best best multi currency card? scroll down
  • 02. Are prepaid currency cards really it? scroll down
  • 03. Monito's best travel money card tips scroll down
  • 04. FAQ about the best travel cards scroll down

Revolut: Best All-Rounder

Revolut is one of the most well-known fintechs in the world because it offers services across Europe, the Americas, Asia, and Oceania.

Go to Revolut

  • Trust & Credibility 8.9
  • Service & Quality 7.9
  • Fees & Exchange Rates 8.3
  • Customer Satisfaction 9.4

Revolut is available in many countries. You can double-check if it's available in yours below:

Here's an overview of Revolut's plans:

Revolut Ultra is currently only available in the UK and EU.

Like Wise, Revolut converts your currency to the local currency of your travel destination at an excellent exchange rate (called the 'Revolut Rate', which, on weekdays, is basically on par with the rate you see on Google), making it a good way to buy foreign currency before travelling abroad. As always though, bear in mind that Revolut's exchange rates might be subject to change.

Revolut's Standard Plan only allows currency exchange at the base mid-market exchange rate for transfers worth £1,000 per month. ATM withdrawals are also free for the first €200 (although third-party providers may charge a withdrawal fee, and weekend surcharges may also apply). These allowances can be waived by upgrading memberships.

N26: Good Bank For EU Travellers

One of the most well-known neobanks in Europe, N26 and its debit card operate in euros only. However, N26 is a partner with Wise and has fully integrated Wise's technology so that you never have to pay foreign transaction fees on your purchases outside of the eurozone. While N26 does not have multi-currency functionality, N26 will apply the real exchange rate on all your foreign purchases and will never charge a commission fee — making N26's card a powerful card for EU/EEA residents who travel across the globe.

Go to N26

  • Trust & Credibility 7.9
  • Service & Quality 8.0
  • Fees & Exchange Rates 9.3
  • Customer Satisfaction 8.1

These are the countries in which you can register for an N26 account:

And here is an overview of the various plans and account:

This low-fee option for banking is also ideal for travellers who do not belong to a European bank but frequent the Eurozone. For example, N26 is available for residents and citizens of Switzerland, Norway, and other European Economic Area countries that do not run on the Euro.

These citizens, who are in close proximity to the Eurozone, will save each time they spend with an N26 card while in Europe. N26 provides three free ATM withdrawals per month in euros but does charge a 1.7% fee per ATM withdrawal outside of Europe.

Take a look at our guide to the best travel cards for Europe to learn more.

Wise: Best For Multi-Currency Balances

Load up to 54 currencies onto this card at the real exchange rate, giving you access to truly global travel.

Visit Wise

  • Trust & Credibility 9.3
  • Service & Quality 8.9
  • Fees & Exchange Rates 7.6
  • Customer Satisfaction 9.6

These are the countries in which you can order a Wise debit card:

Unlike banks, credit unions, airport kiosks, and foreign ATMs, Wise is transparent about never charging a hidden exchange rate margin when you convert your home currency into up to 54 currencies. The live rate you see on Google or XE.com is the one you get with Wise.

An industry-low commission fee per transaction will range from 0.35% to 2.85%, depending on the currency.

Starling Bank: Great UK Bank For Travel

Starling Bank is one of the best neobanks in the United Kingdom. We highly recommend it for UK residents who frequently spend in British pounds and euros because of its multi-currency capabilities.

Go to Starling Bank

  • Service & Quality 8.5
  • Fees & Exchange Rates 10
  • Customer Satisfaction 9.3

Here are the different account that Starling Bank offers:

'Kite' is a children's debit card, and 'Teen' is for teenagers

Starling Bank accounts are free for UK citizens and residents to open. You can spend abroad with the Starling Bank card with zero card transaction fees. This feature alone makes it a cost-effective and convenient option for frequent travellers. It even waives all ATM fees for ATMs in the UK and abroad.

Your other option is to convert your sterling into euros. By opening a euro account with Starling, you can hold, send and receive euros for free . When you spend in the Eurozone with your Starling Bank card, your euro balances (instead of your sterling balance) will then be used

Take a look at our guide to the best prepaid travel cards for the UK to learn more.

Chime: Great Account For US Travelers

Chime  is a good debit card for international travel thanks to its no foreign transaction fees¹. Unlike multi-currency accounts like Revolut (which let you hold local currency), Chime uses the live exchange rate applied by VISA. This rate is close to the mid-market rate, and Chime does not add any extra markup to your purchases, although out-of-network ATM withdrawal and over-the-counter advance fees may still apply.

Go to Chime

  • Trust & Credibility 9.5
  • Service & Quality 8.8
  • Fees & Exchange Rates 9.8

While Chime waives ATM fees at all MoneyPass, AllPoint, and VISA Plus Alliance ATMs within the United States, this fee waiver does not extend to withdrawals made outside the country. For withdrawals abroad, Chime applies a $2.50 fee per transaction, with a daily withdrawal limit of $515 or its equivalent. This is in addition to any fees charged by the ATM owner. Therefore, we recommend Chime primarily for card purchases rather than relying on it for withdrawing cash while traveling internationally.

  • No  foreign transaction fees ¹;
  • Uses VISA's exchange rate ( monitor here ):
  • A $2.50 fee per ATM withdrawal made outside of the United States;
  • More info:  Read our  Chime review  or  visit their website .

Best Travel Money Cards in 2024 Compared by Country

In the table below, see our comparison summary of the four best travel cards for 2024 by country:

Last updated: 8 January 2024

What's The Best Prepaid Card to Use Abroad?

post office preloaded travel card

Travel cards come in many varieties, such as standard credit cards or debit cards with no foreign transaction fees or cards that waive all foreign ATM withdrawal fees.

What is a Multi-Currency Card?

Multi-currency cards are a specific type of travel card that allows you to own all kinds of foreign currencies, which you can instantly access when you pay with your card abroad. By spending the local currency in the region of travel , you bypass poor foreign exchange rates. ATMs and cashless payment machines will treat your card like a local card.

We have already mentioned a few multi-currency cards in this review, but we will also introduce Travelex . Travelex's Money Card also allows you to top up several foreign currencies — albeit at exchange rates slightly poorer than the real mid-market rate .

Wise Account

Wise has one of the best multi-currency cards available on the market.

Try Wise

Read our full review for more details.

Revolut is impressive for its vast options in currencies and its additional services.

Our in-depth review explores Revolut's services in detail.

Travelex offers a prepaid travel money card that supports 10 currencies and waives all ATM withdrawal fees abroad.

Try Travelex

  • Trust & Credibility 9.0
  • Service & Quality 5.8
  • Fees & Exchange Rates 7.1

Travelex charges fees, which fluctuate according to the exchange rates of the day, in order to convert your home currency into the currencies that it supports. But once the currency is on the card, you'll be able to spend like a local. Learn more with our full review .

Don’t Let Banks, Bureaux de Change, and ATMs Eat Your Lunch 🍕!

Are you withdrawing cash at an ATM in the streets of Paris? Exchanging currencies at Gatwick airport? Paying for a pizza with your card during a holiday in Milano? Every time you exchange currencies, you could lose between 2% to 20% of your money in  hidden fees . Keep reading below to make sure you recognize and avoid them.

Currency Exchange Fees Eating My Lunch? What’s That?

You’re often charged a hidden fee in the form of an alarming exchange rate.

At any given time, there is a so-called “ mid-market exchange rate ” — this is the real exchange rate you can see on  Google . However, the money transfer provider or bank you use to exchange currencies rarely offers this exchange rate. Instead, you will get a much worse exchange rate. They pocket this margin between the actual rate and the poor exchange rate they apply, allowing the bank or money transfer provider to profit from the currency exchange. 

Bureau de change à Londres

In other words, you or your recipient will receive less foreign currency for each unit of currency you exchange. All the while, the provider will claim that they charge zero commission or zero fees.

So the question now is… how can you avoid them? Thankfully, the best travel money cards will allow you to hold the local currency, which you can access instantly with a tap or swipe. Carrying the local currency avoids  exchange rate margins  on every purchase.

Top Travel Money Tips

  • Avoid bureaux de change. They charge between 2.15% and 16.6% of the money exchanged.
  • Always pay in the local currency and never accept the  dynamic currency conversion .
  • Don't use your ordinary debit or credit card unless it's specifically geared toward international use. Doing this will typically cost you between 1.75% and 4.25% per transaction. Instead, use one of the innovative travel money cards below.

By opting for a travel card without FX fees, you can freely swipe your card abroad without worrying about additional charges. However, saving money doesn't stop there. To make the most out of your travel budget, consider using  Skyscanner , one of the most powerful flight search engines available that allows you to compare prices from various airlines and find the best deals.

With Skyscanner's user-friendly interface and comprehensive search options, you can discover cheap flights and enjoy your holidays with peace of mind and more money in your pocket.

Best Travel Money Card Tips

Eiffel Tower Paris France

When you convert your home currency into a foreign currency, foreign exchange service providers will charge you two kinds of fees :

  • Exchange Rate Margin:  Providers apply an exchange rate that is poorer than the true  "mid-market" exchange rate . They keep the difference, called an  exchange rate margin .
  • Commission Fee:  This  fee  is usually a percentage of the amount converted, which is charged for the service provided.

With these facts in mind, let's see what practices are useful to avoid ATM fees, foreign transaction fees, and other charges you may encounter while on your travels.

Tip 1: While Traveling, Avoid Bureaux de Change At All Costs

Have you ever wondered how bureaux de change and currency exchange desks are able to secure prime real estate in tourist locations like the Champs-Élysées in Paris or Covent Carden in London while claiming to take no commission? It’s easy: they make (plenty of) money through hidden fees on the exchange rates they give you. 

Moneycorp exchange rate at the Gatwick Airport

Our study shows that Bureaux de Change in Paris charges a margin ranging from 2.15% at CEN Change Dollar Boulevard de Strasbourg to 16.6% (!!) at Travelex Champs-Élysées when exchanging 500 US dollars into euros for example. 

If you really want cash and can’t wait to withdraw it with a card at an ATM at your destination, ordering currencies online before your trip is usually cheaper than exchanging currencies at a bureau de change, but it’s still a very expensive way to get foreign currency which we, therefore, would not recommend.

Tip 2: Always Choose To Pay In the Local Currency

Times Square United States

Don’t fall for the dynamic currency conversion trap! When using your card abroad to pay at a terminal or withdraw cash at an ATM, you’ve probably been asked whether you’d prefer to pay in your home currency instead of the local currency of the foreign country. This little trick is called dynamic currency conversion , and the right answer to this sneaky question will help you save big on currency exchange fees.

As a general rule, you always want to pay in the local currency (euros in Europe, sterling in the UK, kroner in Denmark, bahts in Thailand, etc.) when using your card abroad, instead of accepting the currency exchange and paying in your home currency. 

This seems like a trick question - why not opt to pay in your home currency? On the plus side, you would know exactly what amount you would be paying in your home currency instead of accepting the unknown exchange rate determined by your card issuer a few days later.

What is a Dynamic Currency Conversion?

However, when choosing to pay in your home currency instead of the local one, you will carry out what’s called a “dynamic currency conversion”. This is just a complicated way of saying that you’re exchanging between the foreign currency and your home currency at the exact time you use your card to pay or withdraw cash in a foreign currency, and not a few days later. For this privilege, the local payment terminal or ATM will apply an exchange rate that is often significantly worse than even a traditional bank’s exchange rate (we’ve seen margins of up to 8%!), and of course, much worse than the exchange rate you would get by using an innovative multi-currency card (see tip #3). 

In the vast majority of times, knowing with complete certainty what amount you will pay in your home currency is not worth the additional steep cost of the dynamic currency conversion, hence why we recommend always choosing to pay in the local currency.

Tip 3: Don't Use a Traditional Card To Pay in Foreign Currency/Withdraw Cash Abroad

post office preloaded travel card

As mentioned before, providers make money on foreign currency conversions by charging poor exchange rates — and pocketing the difference between that and the true mid-market rate. They also make money by charging commission fees, which can either come as flat fees or as a percentage of the transaction.

Have a look at traditional bank cards to see how much you can be charged in fees for spending or withdrawing $500 while on your holiday.

These fees can very quickly add up. For example, take a couple and a child travelling to the US on a two-week mid-range holiday. According to this study , the total cost of their holiday would amount to around $4200. If you withdraw $200 in cash four times and spend the rest with your card, you would pay $123 in hidden currency exchange and ATM withdrawal fees with HSBC or $110 with La Banque Postale. With this money, our travellers could pay for a nice dinner, the entrance fee to Yosemite Park, or many other priceless memories. 

Thankfully, new innovative multi-currency cards will help you save a lot of money while travelling. Opening an N26 Classic account and using the N26 card during the same US holidays would only cost $13.60.

Need Foreign Cash Anyway?

In many countries, carrying a wad of banknotes is not only useful but necessary to pay your way since not every shop, market stall, or street vendor will accept card payments. In these cases you'll have two options to exchange foreign currency cheaply:

1. Withraw at an ATM

As we've explored in great depth in this article, withdrawing money from a foreign ATM will almost always come with fees — at the very least from the ATM itself, and so it's therefore the best strategy to use a travel debit card that doesn't charge in specific ATM withdraw fees on its own to add insult to injury. That said, if you need cash, we recommend making one large withdrawal rather than multiple smaller ones . This way, you'll be able to dodge the fees being incurred multiple times.

2. Buy Banknotes (at a Reasonable Rate!)

As we've also seen, buying foreign currency at the airport, at foreign bank branches, or in bureaux de change in tourist hotspots can be surprisingly expensive. Still, not all exchange offices are equally pricey . If you're looking for a well-priced way to exchange your cash into foreign currency banknotes before you travel, Change Group will let you order foreign currency online and pick them up at the airport, train station, or a Change Group branch just before you leave for your holiday. A few pick-up locations in the UK include:

  • London centre (multiple locations),
  • Glasgow centre,
  • Oxford centre,
  • Luton Airport,
  • Gatwick Airport,
  • St. Pancras Station.

(Note that Change Group also has locations in the USA, Australia, Germany, Spain, Sweden, Austria, and Finland!)

Although its exchange rates aren't quite as good as using a low-fee debit card like Revolut, Change Group's exchange rates between popular currencies tend to be between 2% to 3%, which is still a lot better than you'll get at the bank or at a touristy bureau de change in the middle or Paris or Prague!

FAQ About the Best Travel Money Cards

Having reviewed and compared several of the industry's leading neobanks, experts at Monito have found the Wise Account to offer the best multi-currency card in 2024.

In general, yes! You can get a much better deal with new innovative travel cards than traditional banks' debit/credit cards. However, not all cards are made equal, so make sure to compare the fees to withdraw cash abroad, the exchange rates and monthly fees to make sure you're getting the best deal possible.

  • Sign up for a multi-currency account;
  • Link your bank to the account and add your home currency;
  • Convert amount to the local currency of holiday destination ( Wise and Revolut convert at the actual mid-market rate);
  • Tap and swipe like a local when you pay at vendors.

Yes, the Wise Multi-Currency Card is uniquely worthwhile because it actually converts your home currency into foreign currency at the real mid-market exchange rate . Wise charges a transparent and industry-low commission fee for the service instead.

More traditional currency cards like the Travelex Money Card are good alternatives, but they will apply an exchange rate that is weaker than the mid-market rate.

The Wise Multi-Currency Card is the best money card for euros because unlike banks, credit unions, airport kiosks, and foreign ATMs,  Wise  is transparent about never charging a hidden exchange rate margin when you convert your local currency into euros with them.

The live rate you see on Google or XE.com is the one you get with  Wise . An industry-low commission fee will range from 0.35% to 2.85%. USD to EUR transfers generally incur a 1.6% fee.

Learn more about how to buy euros in the United States before your trip.

There are usually three types of travel cards, prepaid travel cards, debit travel cards and credit travel cards. Each have pros and cons, here's a short summary:

  • Prepaid travel cards: You usually need to load cards with your home currency via a bank wire or credit/debit card top-up. You're then able to manage the balance from an attached mobile app and can use it to pay in foreign currencies or withdraw cash at an ATM abroad tapping into your home currency prepaid balance. With prepaid travel cards, as the name indicates, you can't spend more than what you've loaded before hand. Some prepaid card providers will provide ways to "auto top-up" when your balance reaches a certain level that you can customize. On Revolut for example, you can decide to top-up £100/£200/£500 from your debit card each time your balance reaches below £50.
  • Debit travel cards: Some innovative digital banks, like N26 or Monzo, offer travel debit cards that have the same advantages than a Prepaid Travel Cards, except that they're debit card directly tapping into your current account balance. Like a Prepaid travel card, you can't spend more than the balance you have in your current account with N26 or Monzo, but you can activate an overdraft (between €1,000 or €10,000 for N26 or £1,000 for Monzo) if you need it, for a fee though.

Note that even if they're Prepaid or Debit cards, you can use them for Internet payments like a normal credit card.

  • Credit travel cards: You can find credit cards made for international payments offering good exchange rates and low fees to withdraw money abroad, but you'll need to pay interests in your international payment if you don't pay in FULL at the end of every month and interest on your ATM withdrawals each day until you pay them back.

Why You Can Trust Monito

post office preloaded travel card

Our recommendations are built on rock-solid experience.

  • We've reviewed 70+ digital finance apps and online banks
  • We've made 100's of card transactions
  • Our writers have been testing providers since 2013

Other Monito Guides and Reviews on Top Multi Currency Cards

post office preloaded travel card

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Monito is trusted by 15+ million users across the globe.

Monito's experts spend hours researching and testing services so that you don't have to.

Our recommendations are always unbiased and independent.

MASTERCARD BENEFIT INQUIRIES

Within the U.S.: 1-800-Mastercard (1-800-627-8372) | Outside the U.S.: Mastercard Global Service Phone Numbers

Availability of insurance benefits on your card may vary by card issuer. Please refer to your issuing financial institution for complete insurance benefit coverage terms, conditions and exclusions.

*Card registration required. Certain exceptions apply. Click here for terms and conditions .

†Requirements may vary. See card packaging for details or contact card issuer.

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  • Travel Money

Travel Money Card Apple Pay

Pay anywhere you see the Apple Pay logo or contactless sign

Fully secure with Touch ID or Face ID

Compatible with all your Apple devices

Leave your wallet at home

Add your Travel Money Card to Apple Wallet to unlock a world of payment freedom. Here’s how.

Open the Post Office travel app

If you don’t have it,  download the latest version for iOS  for free.

Add your card to Apple Wallet

In the app, select the card you want and tap the “Add to Apple Wallet” option.

Pick a card

Open Apple Wallet to slide your preferred card to the front to make it your default payment card.

Shop simply and securely with Apple Pay

Pay safely and securely.

Use your phone or device to pay in shops, restaurants and online. Apple Pay doesn’t share any of your card details, so it’s highly secure.

Say goodbye to the £100 limit*

Unlike other contactless payments, Apple Pay isn’t capped. So, wherever you’re heading to, you can enjoy a bigger holiday splurge.

Use biometrics to pay

Your device will use your fingerprint with Touch ID or facial recognition with Face ID – and both are highly secure.

Don’t have a Travel Money Card yet?

Go cashless with our prepaid, contactless Mastercard®. You can load it with up to 22 currencies and manage everything with our travel app. Simple, secure holiday spending sorted.

Common questions

How many travel money cards can i add to apple wallet.

The travel app allows you to hold up to 3 active cards at any given time, and all 3 can be added to Apple Pay.

Can I use Apple Pay and my Travel Money Card to pay in any currency?

You can use it to pay in any of the currencies preloaded on your Travel Money Card.

In the same way that your Travel Money Card works, Apple Pay will use the currency of the country you are in, meaning you don’t have to select specific currencies whilst paying – it’s all done behind the scenes for you. For more information about this, please visit our Travel Money Card FAQs in your travel app or you can read the FAQs online .

What if I lose my phone or device?

If you’ve lost your iPhone, use Find my iPhone to put it into ‘lost mode’. This will prevent your phone from being able to be used. You can also log into your iCloud account and remove all of your cards for peace of mind.

If you don’t have access to the travel app you can also contact our card support team 24/7 on +4420 7937 0280.

What if I lose my Travel Money Card

If you’re concerned about your Travel Money Card, please log into your travel app where you can freeze the card quickly and easily. Follow the simple in-app steps below to do this. You can toggle between freezing and unfreezing your card at the tap of a button.

  • Log in and tap ‘cards’. If you have several Travel Money Cards, select the card you wish to freeze
  • Tap the cog icon, top right, to go to card settings
  • Toggle the ‘freeze card’ function. Once you see the toggle has moved, your card is frozen until you unfreeze it, following the same instructions

Which Apple devices can I use Apple Pay on?

Virtually all of them. iPhones, iPads, Apple Watches and MacBooks are all Apple Pay enabled (though for some it may only be more recent versions).

If you’re adding your Travel Money Card via the travel app, you can only do this on iPhones and Apple Watches. But if you want to add your card in order to pay using the device’s in-built Apple Pay app, the next FAQ explains how.

Each device may have a slightly different method of payment. For MacBooks, it will only be for making purchases online and will use Touch ID. For Apple Watches, you need to double-tap the side button while holding the device near the reader.

Apple, Apple Pay, Apple Watch, iPad, iPhone, MacBook Pro, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

How do I add my Travel Money Card to my Apple Wallet using the Apple Wallet app?

For iPhone, open Apple Wallet and tap the plus sign (usually toward the top, right-hand corner), then follow the instructions. Once we've verified your card, you'll be able to start using Apple Pay with your Travel Money Card.

For Apple Watch, open the Apple Watch app on your iPhone, then tap ‘Wallet & Apple Pay’. Then choose ‘Add Card’. Once you tap ‘Next’, we'll verify your card, you can tap ‘Next’ again, and then you're off.

If you want to add Apple Pay to your Mac, you'll need a version of the computer with Touch ID. Go to ‘System Preferences’, then open ‘Wallet & Apple Pay’ and tap ‘Add Card’. Just follow the instructions after that.

Remember that after you've set up Apple Pay on your iPhone, you can allow the same card for that to be used for Apple Pay on your Mac. Just go to ‘Settings’ on your iPhone, then ‘Wallet & Apple Pay’, and turn on ‘Allow Payments on Mac’.

And finally, for your iPad, go to ‘Settings’ then ‘Wallet & Apple Pay’, then tap ‘Add Card’. Follow the instructions and once your card has been verified, tap ‘Next’ and you're ready to start using your Travel Money Card via your iPad.

*Apple Pay contactless limits can vary country to country; while there is no contactless cap within the UK please ensure you check any limits within the country you are visiting

Find out more information by reading the Post Office Travel multi-currency-terms-and-conditionsMoney Card terms and conditions.

Post Office Travel Money Card is an electronic money product issued by First Rate Exchange Services Ltd pursuant to license by Mastercard International.

First Rate Exchange Services Ltd, a company registered in England and Wales with number 4287490 whose registered office is Great West House, Great West Road, Brentford, TW8 9DF, (Financial Services Register No. 900412). Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Post Office and the Post Office logo are registered trademarks of Post Office Limited.

Post Office Limited is registered in England and Wales. Registered number 2154540. Registered office: 100 Wood Street, London, EC2V 7ER.

These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

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Find the best credit card for you

11 airline credit cards with free checked bag benefits that can save you hundreds, the free checked bag perk for most of these cards applies to multiple passengers, so the savings can quickly add up..

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Most major U.S. airlines raised checked baggage fees this year. American Airlines, Delta, United, Alaska Airlines and JetBlue now charge $35 to $45 for a first checked bag on domestic and short-haul international flights.

There are a handful of ways to avoid paying to check bags. For instance, customers traveling in a premium cabin and those with elite status generally can check at least one bag for free. Or, you could fly with Southwest, which allows all passengers to check two bags for free.

The easiest way to avoid checked bag fees on most airlines is to open a co-branded airline credit card that offers free checked bags as an ongoing benefit. For anyone who isn't loyal to a single airline, there are even general travel credit cards with statement credit offers that can be used toward checked bag fees. (See our methodology for more information on how we made this list.)

Best credit cards that offer free checked bags

Best for american airlines, citi® / aadvantage® platinum select® world elite™ mastercard®, aadvantage® aviator® red world elite mastercard®, best for delta, delta skymiles® gold american express card, delta skymiles® reserve american express card, best for united, united℠ explorer card, united club℠ infinite card, best for alaska airlines, alaska airlines visa signature® credit card, alaska airlines visa® business credit card, best for jetblue, jetblue plus card, jetblue business card.

Best for any airline : Chase Sapphire Reserve®

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases; 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases

Welcome bonus

Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening

$0 first year, then $99

Regular APR

21.24% - 29.99% variable

Balance transfer fee

5% of each balance transfer; $5 minimum

Foreign transaction fees

Credit needed.

Good/Excellent

Terms apply.

Read our Citi® / AAdvantage® Platinum Select® World Elite Mastercard® review.

Information about the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Who's this card for? The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is worth considering by anyone who doesn't have American Airlines elite status and wants to avoid checked baggage fees on domestic flights.

Free checked bag benefit: The Citi/AAdvantage Platinum Select card offers the first checked bag for free on domestic American Airlines flights for the cardholder and up to four companions on the same reservation. American Airlines charges $40 for the first checked bag on domestic flights, but it's only $35 if you pay online. So, this benefit can save you up to $70 to $80 per round-trip flight.

[ Jump to more details ]

AAdvantage® Aviator® Red World Elite Mastercard

2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases; 1 AAdvantage® mile for every $1 spent on other purchases.

Earn 60,000 bonus miles after making your first purchase within the first 90 days

$0 intro annual fee for the first year, then $99

0% intro APR for 15 months on balance transfers made within 45 days of account opening

21.24%, 25.24% or 29.99% variable

Either $5 or 5% of the amount of each transfer, whichever is greater.

Who's this card for? The AAdvantage® Aviator® Red World Elite Mastercard® offers American Airlines travelers free checked bags and other airline-specific perks.

Free checked bag benefit: Aviator Red World Elite Mastercard holders receive a free checked bag on domestic American Airlines itineraries for themselves and up to four companions traveling on the same reservation. By using this perk, you can save $70 to $80 per round trip per person.

Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S., and 1X Mile per dollar on all other eligible purchases

Earn 70,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.

$0 introductory annual fee for the first year, then $150

20.99% - 29.99% variable

Excellent/Good

See rates and fees , terms apply.

Who's this card for? The Delta SkyMiles® Gold American Express Card has several perks that regular Delta flyers can easily benefit from.

Free checked bag benefit: Delta SkyMiles Gold American Express Card members and up to eight companions traveling on the same reservation receive a free first checked bag. To receive the baggage fee waiver, you need to make sure that the cardholder's Delta SkyMiles number is attached to the reservation. For domestic flights, Delta charges $35 per bag each way, which means this benefit can save you hundreds of dollars on a single trip if you're traveling with a large group.

Earn 3X Miles on Delta purchases and 1X Mile on all other eligible purchases.

Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.

Who's this card for? The Delta SkyMiles® Reserve American Express Card has a lot to offer frequent Delta travelers beyond free checked bags. If you're chasing Delta elite status or want Delta Sky Club lounge access , this card is worth looking into.

Free checked bag benefit: Delta SkyMiles Reserve cardholders get a free checked bag for themselves and up to eight other people traveling on the same reservation. That's a savings of $60 per person per round-trip flight.

2 miles per $1 spent on United purchases; 2 miles per $1 spent on dining, eligible delivery services and hotel stays; 1 mile earned on every $1 spent on all other purchases

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

$0 intro annual fee for the first year, then $95

21.99% - 28.99% Variable

5%, minimum $5

Member FDIC. Terms apply.

Who's this card for? The United℠ Explorer Card is great for United flyers who don't want to pay a high annual fee. It packs a lot of useful benefits into a card with a sub-$100 annual fee.

Free checked bag benefit: The United Explorer Card offers the primary cardholder and a companion a free first checked bag. To use this perk, you need to pay for the flights (or the taxes and fees on awards flights ) with your card (this requirement is waived for the first 90 days from account opening). United normally charges $40 for a first checked bag, or $35 if they prepay online. Plus, United's basic economy fares typically don't allow you to bring a carry-on, but cardholders are exempt.

Earn 4 miles per $1 spent on United® purchases, 2 miles per $1 spent on all other travel and dining, and 1 mile per $1 spent on all other purchases

Earn 80,000 bonus miles after qualifying purchases

Who's this card for? The United Club℠ Infinite Card is the premium United consumer card and its benefits make sense for the most loyal United flyers as it comes with a United Club membership .

Free checked bag benefit: The United Club Infinite Card's free checked bag perk extends to the first and second checked bags for the primary cardholder and one companion. Checked bags on domestic flights typically cost $35 or $40 for the first bag and $45 or $50 for the second bag, so you can save as much as $180 per round trip when checking multiple bags. Cardholders are also allowed a free carry-on bag when traveling on a basic economy ticket.

Alaska Airlines Visa Signature® Credit Card

Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases, 2 miles for every $1 spent on eligible gas, EV charging station, local transit, rideshare, cable, and select streaming services purchases and one mile for every $1 spent on all other purchases.

Limited time offer: Earn 70,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.

20.24% - 28.24% variable

3% of each transaction

Who's this card for? The Alaska Airlines Visa Signature® credit card is a good option for Alaska Airlines loyalists.

Free checked bag benefit: The Alaska Airlines Visa Signature card grants the cardholder and up to six companions a free checked bag when you pay for the flights with your card. Alaska Airlines charges $35 for the first checked bag, so having this card can save you up to $70 on every round-trip flight.

Earn unlimited 3X miles on eligible Alaska Airlines purchases, 2X miles on eligible gas, EV charging station, shipping and local transit purchases and 1X miles on all other purchases.

Earn 50,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account.

$70 per company plus $25 per card

21.24% - 29.24% variable

4% of each transaction

Who's this card for? Small business owners who want to earn Alaska Airlines miles for their business spending should consider the Alaska Airlines Visa® Business credit card .

Free checked bag benefit: Cardholders receive a free checked bag for themselves and up to six traveling companions when they pay for the flights with this card. It costs $35 each way to bring a checked bag on an Alaska Airlines flight, so the savings from this perk can add up quickly.

6X points per dollar spent on eligible JetBlue purchases; 2X points at restaurants and eligible grocery stores; 1X points on all other purchases

Earn 60,000 bonus points after you spend $1,000 on the card and pay the annual fee in the first 90 days with the JetBlue Plus Card.

0% APR on eligible balance transfers that post to account within 45 days of account opening, for the first 12 billing cycles; 21.24%, to 29.99% variable thereafter depending on creditworthiness

21.24% to 29.99% variable

Either $5 or 5%, whichever is greater.

Who's this card for? The JetBlue Plus Card is a good choice if you live near or frequently travel to a JetBlue hub, such as New York, Boston or Fort Lauderdale.

Free checked bag benefit: With the JetBlue Plus Card you'll get a free checked bag for yourself and up to three companions when traveling on a JetBlue flight. With JetBlue, the first checked bag costs $35 if you pay more than 24 hours in advance, otherwise it's $45. So having this card can save you $70 to $90 round-trip per person.

6X points on eligible JetBlue purchases; 2X points at restaurants and office supply stores stores; 1X points on all other purchases

Earn up to 60,000 bonus points: Earn 50,000 points after you spend $4,000 on the card in the first 90 days and earn an additional 10,000 points after a purchase is made on an employee card in the first 90 days.

21.24% or 29.99% variable

Either $5 or 3% of each transfer, whichever is greater.

0% of the U.S. dollar amount

Who's this card for? The JetBlue Business Card makes sense if you love JetBlue and have a small business or side hustle that qualifies you for business credit cards.

Free checked bag benefit: JetBlue has some of the highest checked bag fees, which top out at $45 for the first checked bag if you pay within 24 hours of departure. You can avoid that hassle and extra cost simply by having the JetBlue Business Card, which comes with a free checked bag for the cardholder and up to three companions traveling on a JetBlue-operated flight.

Best for any airline

Chase sapphire reserve®.

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

22.49% - 29.49% variable

Foreign transaction fee

Read our Chase Sapphire Reserve® review.

  • $300 annual travel credit for travel purchases
  • Global Entry or TSA PreCheck application fee credit up to $100 every four years
  • Priority Pass™ Select lounge access at 1,000+ VIP lounges in over 500 cities worldwide
  • Points are worth 50% more when redeemed for travel via Chase Travel℠
  • Special benefits at The Luxury Hotel & Resort Collection
  • Complimentary year of Lyft Pink membership
  • High annual fee, but it can be offset by taking advantage of all the card’s perks
  • No introductory APR
  • Estimated rewards earned after 1 year: $1,469
  • Estimated rewards earned after 5 years: $3,346

Rewards totals incorporate the points earned from the welcome bonus

Who's this card for? The Chase Sapphire Reserve® is an excellent general travel credit card with a host of premium benefits like airport lounge access and comprehensive travel protections .

Free checked bag benefit: The Sapphire Reserve doesn't have a specific free checked bag perk. However, every year, cardmembers receive a general travel credit of up to $300 that can be used toward checked bag fees. It's an easy-to-use benefit and applies to any airline — just pay the bag fee with your card and you'll automatically receive a statement credit. This card also offers perks like baggage delay insurance and lost luggage reimbursement.

More on our best credit cards that offer free checked bags

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is a mid-tier co-branded American Airlines card with a generous welcome bonus and $0 intro annual fee for the first year, then $99. Its perks can make the annual fee worth it for anyone who travels with American Airlines more than once per year.

  • 2X miles on eligible American Airlines purchases
  • 2X miles at restaurants and gas stations
  • 1X miles on all other purchases

Earn 50,000 bonus miles after spending $2,500 in purchases within the first three months of account opening.

$0 intro annual fee the first year, then $99

Notable perks

Card members get their first checked bag free (along with 4 guests on the same reservation), preferred boarding (Group 5) and a 25% rebate on American Airlines in-flight food and beverage purchases. Plus, every cardmember year after you spend $20,000 or more and renew your card, you'll earn a $125 American Airlines Flight Discount.

This card has no foreign transaction fees and no cost to add authorized users.

[ Return to card summary ]

The AAdvantage® Aviator® Red World Elite Mastercard® is another mid-tier American Airlines credit card with a $0 intro annual fee for the first year, then $99. It stands out for offering an exceptionally easy-to-earn welcome bonus.

This card can help you save on American Airlines in-flight Wi-Fi fees with up to $25 in statement credits every card anniversary year. You'll also receive 25% back on in-flight food and beverage purchases and preferred boarding (Group 5).

If you spend $20,000 or more on the card within your card membership year, and keep it open for at least 45 days after your anniversary date, you'll qualify for a $99 (plus taxes and fees) companion ticket . This certificate is valid for qualifying domestic economy flights.

This card has no foreign transaction fees.

The Delta SkyMiles® Gold American Express Card helps lower the cost of Delta awards flights, so you're miles can go further just by being a cardholder.

  • 2X miles on Delta purchases
  • 2X miles at U.S. Supermarkets
  • 2X miles at U.S. restaurants

Earn 70,000 bonus miles after spending $3,000 in purchases in the first six months of account opening.

$0 intro annual fee for the first year, then $150 (see rates and fees ).

Just for being a cardholder, you'll get a 15% discount on all Delta-operated award flights. There are also statement credit offers that can offset the annual fee (see rates and fees ). Every year after you spend $10,000 in purchases on your card, you'll receive a $200 Delta Flight Credit. If you book prepaid hotels or vacation rentals through Delta Stays, you can get up to $100 in statement credits per year.

Other benefits include:

  • Priority boarding (Main Cabin 1)
  • 20% back on in-flight purchases
  • Baggage insurance
  • Rental car insurance
  • Purchase protection
  • Extended warranty protection
  • No foreign transaction fees

The Delta SkyMiles® Reserve American Express Card is Delta's most premium card, designed for frequent travelers who value luxury perks. It also offers some valuable statement credits that you can use when not traveling.

  • 3X miles on Delta purchases

Earn 100,000 bonus miles after spending $6,000 in purchases on the card in the first six months from account opening.

$650 (see rates and fees )

Anyone who values Delta elite status will appreciate this card's Medallion Qualification Dollar (MQD) Headstart feature, which gets you 2,500 MQDs each Medallion Qualification Year. You'll also earn one MQD for every $10 in purchases you make with the card.

This card's array of other benefits can easily make it worth keeping year after year. These perks include:

  • Up to $240 in Resy credit each year ($20 per month)
  • Up to $120 in rideshare credit each year ($10 per month)
  • Up to $200 in Delta Stays credit
  • Complimentary Delta Sky Club access when flying with Delta
  • American Express Centurion Lounge access when flying with Delta
  • Up to $100 in application fee credit for Global Entry or TSA PreCheck (every 4.5 years)
  • TakeOff15, save 15% on Delta award flights
  • Annual companion certificate
  • Hertz Presidents Circle Status
  • Cell phone protection
  • Return protection

The United℠ Explorer Card is a solid consumer card for United regulars and it even comes with limited United Club access .

  • 2X miles on United purchases
  • 2X miles on dining
  • 2X miles on hotels purchased directly with the hotel

Earn 50,000 bonus miles after spending $3,000 on purchases in the first three months your account is open.

In addition to the free checked bag benefit, cardholders and their companions receive priority boarding. You'll also have access to other travel benefits, such as:

  • Up to $100 in application fee credits for Global Entry, TSA PreCheck and NEXUS
  • 25% back on in-flight and United Club premium drink purchases
  • Two one-time United Club passes each year for your anniversary year
  • One free year of DoorDash DashPass (enroll by Dec. 31, 2024)
  • Trip cancellation/interruption insurance
  • Trip delay reimbursement
  • Baggage delay insurance
  • Lost Luggage reimbursement
  • Extended warranty coverage

Spending on this card helps you earn United elite status more quickly, you'll earn 25 Premier qualifying points (PQP) for every $500 you spend (up to 1,000 PQP per calendar year). Once you have elite status, cardholders and one companion are eligible for complimentary upgrades on award tickets.

The United Club℠ Infinite Card is United's most premium card but is a great way to get unlimited United Club airport lounge access and other high-end perks.

  • 4X miles on purchases from United
  • 2X miles on all other travel purchases

Earn 80,000 miles after you spend $5,000 on purchases in the first three months your account is open.

The most valuable benefit of the United Club Infinite Card is its United Club membership , which typically costs $550 to $650 depending on what level of United status you have. So if you would otherwise pay cash for a United Club membership, getting this card and paying its annual fee is a cheaper option.

On top of that, the card also has these benefits:

  • Up to $100 in application fee credit for TSA PreCheck, NEXUS or Global Entry
  • 25% back on United in-flight and United Club premium beverage purchases
  • Save 10% on United Economy Saver Awards
  • Priority check-in, baggage handling, security screening and boarding
  • IHG One Rewards Platinum status
  • Avis President's Circle status
  • Complimentary year of DoorDash DashPass (enroll by Dec. 31, 2024)

You can earn up to 10,000 PQP with this card (25 PQP per $500 you spend), which would be enough to qualify for Gold status. Normally elite members aren't eligible for complimentary upgrades on award flights. However, as a cardholder, you and one companion are eligible for free elite status upgrades on award flights.

The Alaska Airlines Visa Signature® credit card is a great way to earn Alaska Airlines miles, which are very valuable thanks to Alaska's diverse roster of airline partners. It also offers a valuable companion fare benefit.

  • 3X miles on eligible Alaska Airlines purchases
  • 2X miles on eligible gas, EV charging station, cable, streaming services and local transit purchases

For a limited time, you can earn 70,000 miles and Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after spending $3,000 or more in purchases within the first 90 days of opening your account.

In addition to free checked bags, cardholders receive priority boarding on Alaska flights when paying for the flight with this card. Plus, this card offers $100 off an annual Alaska Lounge+ membership purchased with this card, as well as 20% back on in-flight spending with Alaska Airlines.

Cardholders who spend $6,000 or more in purchases within the prior card anniversary year receive Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23), which is valid on all Alaska Airlines flights booked on alaskaair.com.

You'll also earn more rewards with this card if you bank with Bank of America. Anyone with an eligible Bank of America bank account can receive a 10% bonus on all miles earned from card purchases.

The Alaska Airlines Visa® Business credit card provides small business owners an opportunity to receive many of the same benefits as consumer Alaska Airlines cardholders.

  • 2X miles on eligible gas, EV charging station, shipping and local transit purchases

Earn 50,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after spending $3,000 or more in purchases within the first 90 days of opening your account.

$70 per company, plus $25 per card

If your business banks with Bank of America, you can boost the miles you'll earn with this card. You'll earn a 10% rewards bonus on the miles you earn from purchases if you have an eligible Bank of America small business account .

This card also gets you 20% off in-flight purchases with Alaska Airlines and $100 off an annual Alaska Lounge+ Membership. If you're tired of fighting for overhead bin space, you can get to your seat early with priority boarding whenever you pay for a flight with your card.

Every card anniversary year, after spending $6,000 or more on purchases with your card, you receive a companion fare, which allows you to bring a guest along on an eligible Alaska Airlines flight for $99 plus taxes and fees.

The JetBlue Plus Card is exceptionally rewarding for JetBlue purchases, so if you spend a lot with the airline, this is a good card to look at.

  • 6X points on eligible JetBlue purchases
  • 2X points at restaurants
  • 2X points at eligible grocery stores
  • 1X points on all other purchases

Earn 60,000 bonus points after spending $1,000 on the card and paying the annual fee in full within the first 90 days of opening the account.

Every year after your account anniversary, you'll earn 5,000 bonus points just for keeping the card. The card also provides a 10% rebate on award redemptions, so every JetBlue point you earn is slightly more valuable.

While most airline cards offer a 20% to 25% discount for in-flight purchases, the JetBlue Plus comes with a whopping 50% savings on eligible in-flight JetBlue spending. Cardholders can also earn a $100 statement credit on an eligible purchase of a JetBlue Vacations package.

The JetBlue Business Card can help you turn business expenses into JetBlue points, which is helpful if you frequently travel to a city the airline serves.

  • 2X points at office supply stores

This card has a handful of benefits, which can help offset the annual fee . For starters, every year after your account anniversary you'll receive 5,000 bonus points. Cardholders also qualify for a 10% rebate on JetBlue award bookings.

You'll also get Group A boarding, which is early enough that you shouldn't have to settle for overhead bin space five rows behind your seat. In-flight, you'll receive a 50% statement credit for eligible food and beverage purchases. There are no foreign transaction fees and you can earn a $100 statement credit when you pay for a JetBlue Vacations package with the card.

The Chase Sapphire Reserve® is a premium travel credit card with loads of luxury perks and statement credits to justify its annual fee.

  • 10X points on Lyft rides (through Mar. 31, 2025)
  • 10X points on hotels and rental cars booked through Chase Travel℠*
  • 10X points on Chase dining purchases
  • 10X points on eligible Peloton purchases over $150 max of 50,000 points (through Mar. 31, 2025)
  • 5X points on flights purchased through Chase Travel℠*
  • 3X points on travel
  • 3X points on dining

*After the first $300 spent on travel purchases annually.

Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

The Chase Sapphire Reserve has an incredible list of benefits, including:

  • Annual travel credit of up to $300
  • Priority Pass airport lounge access
  • Up to $100 in application fee credits for Global Entry or TSA PreCheck (once every four years)
  • Two years of free Lyft Pink All Access membership (activate by Dec. 31, 2024)
  • At least one year of free DoorDash DashPass membership (activate by Dec. 31, 2024)
  • One year of free Instacart+ and up to $15 in Instacart credits each month through July 2024.
  • Primary rental car insurance
  • Travel accident insurance
  • Roadside assistance
  • Travel and emergency assistance services
  • Emergency medical and dental benefit
  • Emergency evacuation and transportation

All of that is in addition to a variety of ways to redeem your points. You can cash them out for one cent a point in value or book travel through Chase Travel℠ and pay with points at a rate of 1.5 cents per point. You can even transfer Chase points to 14 hotel and airline loyal programs at a 1:1 ratio. The ability to transfer points unlocks the potential to increase the value of your rewards by booking luxury hotels and premium cabin award flights.

What airlines offer free checked bags?

Southwest Airlines offers two free checked bags to all passengers, regardless of what type of ticket they purchase. For the other major U.S.-based airlines, your checked baggage allowance depends on the route, ticket type and elite status. There are also airline credit cards that grant you free checked bags as a benefit for having the card.

How can I get my baggage fee waived?

To get your airline checked baggage fee waived, you'll generally need elite status with that airline or its partners or a cobranded credit card that comes with free checked bags. You may also be able to avoid checked bag fees depending on the itinerary you're flying or the class of service. Many international flights and business class tickets come with free checked bags.

Is there a fee for a carry-on bag?

Carry-on baggage fees aren't the norm, but depending on the type of ticket and airline they are something to watch for. Some airlines charge passengers who booked the cheapest fares, often called basic economy, extra for a carry-on bag. Ultra-low-cost carriers, such as Spirit and Frontier, may also make you pay for a carry-on bag. Note that personal items, such as a purse or small backpack that can fit under the seat in front of you, are almost universally free.

Bottom line

Checked bag fees are rising once again, making many of the top airline credit cards even more valuable. With the highest domestic baggage fees hitting $90 a bag roundtrip, it can be worth getting a credit card if you check bags on one or two trips a year.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card   best list is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best credit cards with a free checked bag benefit.

Our methodology

To determine which credit cards are best for free checked bags,  CNBC Select  analyzed cobranded airline credit cards with a free checked bag benefit and travel cards with credits that can be applied to checked bag fees. We compared each card on a range of features, including the annual fee, authorized user fees, rewards, credit score requirements, welcome bonus, introductory and standard APR and foreign transaction fees. We also considered additional perks and how easy it is to redeem points.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

For rates and fees of the Delta SkyMiles® Gold American Express Card, click  here .

For rates and fees of the Delta SkyMiles® Reserve American Express Card, click  here .

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IMAGES

  1. Post Office Travel Money Card Review [ UK's Choice ]

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VIDEO

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COMMENTS

  1. Travel Money Card

    Post Office Travel Money Card is an electronic money product issued by First Rate Exchange Services Ltd pursuant to license by Mastercard International. First Rate Exchange Services Ltd, a company registered in England and Wales with number 4287490 whose registered office is Great West House, Great West Road, Brentford, TW8 9DF, (Financial ...

  2. Travel Money Card

    Before leaving the UK, make sure you have activated your Travel Money Card. Activation can be done through the free Post Office Travel app - download now from the Apple App Store or Google Play. The app allows you to top up, track spend, view balances and freeze spend. Activation can also be done by calling our automated line on +44 (0) 20 ...

  3. Multi-Currency Prepaid Travel Money Card

    Post Office Travel Money Card is an electronic money product issued by First Rate Exchange Services Ltd pursuant to license by Mastercard International. First Rate Exchange Services Ltd, a company registered in England and Wales with number 4287490 whose registered office is Great West House, Great West Road, Brentford, TW8 9DF, (Financial ...

  4. Best prepaid travel money cards

    Post Office Travel Money Card: 22: Rates set by First Rate: Commission charge of 1.5% applicable to GBP top-ups. Fee changes depending where cash is being withdrawn. Min £50 / Max £5000: £10,000: £300, but varies per currency: Inactivity fee: £2 per month once the card expires. Replacement card fee £5. Sainsbury's Travel Card: 15 ...

  5. Best prepaid travel money card (UK)

    Best prepaid travel cards. In the table below, we summarise the best prepaid travel cards based on the fees they charge, the maximum and minimum amount you can load on the card and which each card is good for. Caxton Currency Card. FairFX Currency Card. Post Office Travel Money Card.

  6. Using the Post Office Travel Money Card: Pros and Cons

    The Post Office Travel Money Card is a prepaid, multi-currency card that can be loaded with up to 23 different currencies. It functions similarly to a debit card but is specifically designed for international travel. The card can be used to make purchases at millions of locations worldwide where MasterCard is accepted and to withdraw money from ...

  7. Post Office Travel Card Review

    Australian Dollar - 3 Australian Dollars. Pound Sterling - 1.5 Pounds Sterling plus 1.5% commission. Regarding fees, one final note. There is a three-year validity period on all Post Office Travel cards. After your card expires, you will be charged a maintenance fee of £2 per month.

  8. Log in to your Travel Money Card Account

    Post Office Travel Money Card is an electronic money product issued by First Rate Exchange Services Ltd pursuant to license by Mastercard International. First Rate Exchange Services Ltd, a company registered in England and Wales with number 4287490 whose registered office is Great West House, Great West Road, Brentford, TW8 9DF, (Financial ...

  9. Post Office®

    Before leaving the UK, make sure you have activated your Travel Money Card. Activation can be done through the free Post Office Travel app, click the link below to download. The app allows you to top up, track spend, view balances and freeze spend. Activation can also be done by calling our automated line on +44(0) 20 7937 0280.

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  11. What is a prepaid currency card?

    Post Office Travel Money Card is an electronic money product issued by First Rate Exchange Services Ltd pursuant to license by Mastercard International. First Rate Exchange Services Ltd, a company registered in England and Wales with number 4287490 whose registered office is Great West House, Great West Road, Brentford, TW8 9DF, (Financial ...

  12. 11 Best Prepaid Cards to Use Abroad (March 2024)

    Here are some of the best deals on prepaid cards for travel around Europe: 1. FairFX Currency Card. Card fee: None (when minimum amount is preloaded onto card) Transaction fees: None; ATM fee: £1.00 domestic and abroad; Other fees: 1.75% out-of-currency fee for purchases outside of its 15 supported currencies; 2. Moneycorp Red Explorer ...

  13. These Are the Best Prepaid Travel Money Cards in 2024

    Debit travel cards: Some innovative digital banks, like N26 or Monzo, offer travel debit cards that have the same advantages than a Prepaid Travel Cards, except that they're debit card directly tapping into your current account balance. Like a Prepaid travel card, you can't spend more than the balance you have in your current account with N26 ...

  14. Australia Post Travel Platinum Mastercard®

    The ideal prepaid card for overseas travel. Buy online Manage your card Find Post Office. Travel smarter with our Australia Post Travel Platinum Mastercard, a reloadable, multi-currency prepaid card that's accepted wherever Mastercard is, worldwide 1. Easily swipe or tap in-store, use online and withdraw money from ATMs 2.

  15. The Best Travel Money Cards for Visiting the USA

    Finding a travel money card USA. Lots of the UK's travel money providers, including the Post Office, Tesco Bank, Asda, Sainsburys, Debenhams and more, offer pre-paid currency cards that can be loaded with your chosen amount of dollars. If a provider offers a pre-paid travel card, you can be almost certain you can load it with US Dollars.

  16. Prepaid Travel Card by Mastercard

    Prepaid Travel Card by Mastercard | Reloadable Travel Cards. MASTERCARD BENEFIT INQUIRIES. Within the U.S.: 1-800-Mastercard (1-800-627-8372) | Outside the U.S.: Mastercard Global Service Phone Numbers. Availability of insurance benefits on your card may vary by card issuer. Please refer to your issuing financial institution for complete ...

  17. Travel Money

    Call us on: 0345 8500 900. Get in touch about Post Office Travel Money. Manage your Travel Money Card online or report it lost or stolen. And find answers to common questions about our holiday money services.

  18. Prepaid travel money cards: Lock in the best rates

    Top-pick prepaid travel cards. Top prepaid travel cards. Revolut - top rates on weekdays. Wise - top rates with low fees. EasyFX - zero overseas ATM fees. Top cards for under-18s to use abroad. HyperJar - fee-free spending, can't use ATMs. Nationwide - fee-free spending & withdrawals. GoHenry - free for two months + £5 cashback.

  19. Add your Travel Money Card to Apple Wallet

    Post Office Travel Money Card is an electronic money product issued by First Rate Exchange Services Ltd pursuant to license by Mastercard International. First Rate Exchange Services Ltd, a company registered in England and Wales with number 4287490 whose registered office is Great West House, Great West Road, Brentford, TW8 9DF, (Financial ...

  20. magFlags XL Flag Elektrostal Moscow oblast

    This Elektrostal Moscow oblast flag is wind- and weather-resistant and highly durable. The flag colors are intensive and UV-resistant. This flag is specially made for outskirt area.Recommended height of flag poleElektrostal Moscow oblast flags of 2.16m² | 23sqft | 120x180cm | 4x6ft look best with flagpoles of around 6m | 18ft height.

  21. Airline Credit Cards With Free Checked Bags in 2024

    Most major U.S. airlines raised checked baggage fees this year. American Airlines, Delta, United, Alaska Airlines and JetBlue now charge $35 to $45 for a first checked bag on domestic and short ...