The best debit, credit cards for travel in 2022: Rating of travel cards. The best banking card for traveling in the dollar zone, euro zone, world, Russia - which one to choose?

From this article you will learn which bank cards are best for traveling.

When sending on a trip abroad, it is important not only to book a tour and pay it, but also to figure out which banking should take with you. We decided to figure out what are the cards that will be the best companions on the trip.

The best debit cards for traveling in 2022: Travel rating

The main advantage that has a bank card has a favorable conditions for removing cash through an ATM. So it is this point that is very important. There are very few banks that do not take the commission for withdrawing funds. In most cases, it is about 1%.

It is important that the card meets other requirements:

• The card should be registered to buy without problems via the Internet
• Data must be embossed, that is, squeezed out to pay with a card in stores
• Support for contactless payment for convenience is desirable
• The presence of a chip and magnetic tape. They ensure the security of the map
• A small commission for turning the currency or its absence

These requirements meet many debit cards, but the best are:

10th place. Tinkoff Black

Allows you to receive cashback up to 30% of each purchase, and 6% is accrued for the rest. It is convenient to use the card abroad, because it allows you to rent from 3 thousand rubles in cash without a commission. A card is available for free, you can order in currency.

9th place. Alfa Bank - Alfa Travel

Allows you to accumulate miles. Return from purchases is up to 11%. At any ATM of the world, cash is issued without a commission, and free insurance is also provided.

8th place. Loko Bank - maximum income

During the period of shares, the return from purchases is 10%, and for others - 0.5%. If desired, 3 additional cards can be released on one account. Information on operations is free.

7th place. Sberbank - Big Bonuses

On this card, “thank you” bonuses reach 20%, and up to 10%can be saved with gas stations. Abroad, the card works without problems, and you can rent up to 500 thousand rubles in cash. Unlike previous cards, this one has paid maintenance and is 4900 rubles per year.

6th place. Loko Bank - Simple income

The amount of cashback is 0.5%, but sometimes shares are held when the return reaches 10%. Up to 7.5%is accrued on the remainder. You can release one additional card to the account.

5th place. Alfabank - Alfakarta

This bank offers up to 3% of cashback for purchases. The card is available and is served for free. You can remove cash at ATMs around the world without commissions.

4th place. Unicredit Air

Interesting offer. You can get up to 10,000 welcome miles. Cashback is also provided with miles up to 30%. When traveling abroad, free insurance is issued. In ATMs, cash abroad are issued without commissions.

3rd place. Kiwi - Rocketbank

On this map, cashback also reaches 10%. But not for all purchases, it may be less. A free mobile application allows you to track your accounts and manage them. Up to 100 thousand rubles per month can be removed in cash.

2nd place. Citybank - Priority

You can get up to 7% on the card on the card. Free insurance is provided for travel. The largest selection of currencies for opening an account is offered - 10 pieces. At any ATM of the world, you can take cash for free.

1 place. Rocketbank - you can do everything

Cashback on the map is up to 10%. The travel-bonuses are also provided. They are given 5 pieces for every 100 points. Service and issuing a card free.

Which credit card for travel is best: bank cards rating

Often, not a debit bank card for travels is used for trips, but a credit. Among them are the best to determine even easier. The fact is that the best card that can satisfy all requests is the best. We have made a rating of the most popular offers.

10th place. Alfa Travel and Alfa Travel Premium from Alfa Bank

Pay tickets, waiting rooms and other purchases ideally with a card from Alfa Bank. Not only ruble, but also dollar options are offered. It is also allowed to keep the euro and Swiss francs.

The advantage of these cards is:

• On the account when receiving a card there are 1000 miles
• Up to 3% miles are charged for payment of purchases, and in premium categories - up to 9% (car rental, hotel reservation)
• Bonuses can be paid up to 100% for the purchase
• Free insurance is provided for travelers
• The removal of cash abroad will be with a commission - 5.9%, but not less than 590 rubles

With a delay in the flight with such a card, a partial return of funds is provided, and for the rental of a car you can get an additional discount, as well as for different other services.

9th place. Russian Railways from Alfa Bank

If you want to ride a railway transport, then it’s better not to find a card. The card is issued with a limit of up to 500 thousand rubles and a grace period for 60 days. As a greeting, 500 or 1000 miles are given, and for every 60 rubles, 25.2 points are given. You can pay with points to tickets up to 100%. Issuance of money at the ATM without a commission, but only in the territory of the Russian Federation.

8th place. Tinkoff Platinum

The most popular credit card for travelers. It attracts that it is convenient not only for travel, but also ordinary use every day. The limit for it is up to 300 thousand rubles. Bonuses to the card can be returned to 30%. You can pay them for the railway tickets. The account can be stored both rubles and other currencies.

7th place. All Airlines Tinkoff

According to a credit card of this type, more miles are accrued than on a debit card. If you want to often go abroad, then it is better to arrange it. Moreover, you can pay up to 100% of the cost of tickets. But only first you pay yourself, and only then in your personal account you take cashback. By the way, you can write off from 6,000 miles, even if tickets are cheaper. Additionally, free insurance and compensation for delays are issued. A pleasant bonus is free Internet on the road.

6th place. S7 Airlines Tinkoff

With this card, you can save very well and rest in the halls of high comfort, increase the class of flights for miles, and also profitably change currencies. By the way, once a year, a closed sale is held when tickets are sold at very low prices and they are affordable only to owners of these cards.

5th place. Mudikarta VTB with the Option "Travel"

This card is convenient in that it does not need currency converting, because there are several at once in the account. Moreover, for every 100 rubles of purchases 5 miles are charged. Another pleasant addition is a grace period of 101 days a credit limit of up to 1 million.

4th place. Big Cashback with the Opop Bank option

Bank customers are invited to return up to 7% of the costs. Every month, categories are selected for obtaining an increased cashback. The limit here also reaches 1 million rubles.

3rd place. Signaturere Aeroflot from Sberbank

This credit card provides different classes. By the way, the product is not cheap and will cost 12 thousand rubles a year for maintenance. In return, a limit is provided up to 2 million rubles and 2 miles are charged for every 60 rubles.

2nd place. Travel REWARDS and VISA Platinum Premium REVARDS from Raiffeisenbank

Cards are designed for travel. For every 30 rubles a mile is given. You can spend bonuses on a car, hotels, purchase tickets or insurance. As a greeting, 500 or 1000 miles are given. The cards limit is up to 1 or 6 million, respectively.

1 place. Traveler map from Bank Vostochny

A card is provided absolutely free. The limit reaches 400 thousand rubles, and 2%returns for each purchase. And if you pay for travel, then the return will be up to 10%. There is a grace period up to 51 days.

The best banking card for traveling in the dollar zone, eurozone - which one to choose?

When the question is decided which bank card for travel is better, people think about currencies. Of course, if your salary is in rubles, then receive the card corresponding. However, depending on the Eurozone and the dollar zone, people prefer to choose different cards. As a rule, the main difference is in payment systems and that’s exactly what they determine in which zone to use them.

If you are going to the eurozone, then it is better to choose MasterCard, because it is just the European system and payments are made in the euro. Well, for the dollar zone, Visa is better, because here the calculations are in dollars.

In terms of which card it is better, it is difficult to say, but most often tourists choose such banks as Sberbank, VTB 24 and Tinkoff.

Read also: "How is the star of hotels determined?".

Map for traveling around the world - which is better?

If you decide to go on a trip around the world or just visit different countries, then you need a bank card for traveling such that it is convenient to be everywhere. Again, convenience should be more in the use of currencies. Ideal for traveling around the world is suitable for a multicard VTB if it connects the “Travel” option.

It is convenient in that the score is obtained from several currencies and therefore it is not required to convert them during purchases.

Banking Road Banking Map - which is better?

If you need a bank card for traveling in Russia, then here the choice should be made already depending on what kind of transport you will move. Of course, if you plan to travel by train, it is more advisable to use the map of Alfa-Bank Russian Railways. In other cases, it is quite possible to choose a card with miles. We have already told you about the best sentences above. In terms of currencies, nothing needs to be invented, of course, the card should be ruble.

The best card with cashback for travel - which one to choose?

Tourists have many opportunities for savings - seasonal discounts on tours, sales and so on. But this is not always possible, because vacation can fall for a time when there are no profitable prices. Regardless of the time of the year, only cashback is accrued. That is why every avid tourist needs a bank card for traveling with cashback.

Read also: "How to choose a hotel?".

Raiffeisenbank - Travel map: Conditions

Raiffeisenbank is one of the best banks in Russia that provides good credit and debit products. There is also a special bank card for traveling with the credit limit - Travel REWARDS. She won many fans throughout the country.

Among the advantages stand out:

• Clients can accumulate miles and buy flights on them. 380 companies are provided with a choice
• The decision on the card is made almost instantly, and to receive the product it is not even necessary to contact the bank
• The grace period is 52 days
• The credit limit on the card is up to 600 thousand rubles
• You can get additional discounts from the partners of the bank

If you go abroad, then you will immediately receive the insurance "Golden Family" for 50 thousand euros. When shopping in stores via the Internet and personally, cashback returns to 30%.

Is the card suitable for traveling abroad?

At first, this banking card for travel could not be used. The fact is that for a start, the product had to be worked out in Russia and only then to think about paying for goods abroad. To date, banks offer an additional option for the Conscience card, which allows you to pay for goods abroad.

However, there are a couple of moments. First of all, the card is available only in rubles, and therefore conversion is carried out during purchases. If you have a QIWI payment card card, then a 5%commission will be a VISA system for converting the VISA system.

The second point is that installments are not provided for the usual time, which the program involves, but only for 2 months.

If you are going on a trip to Russia, then without any problems of purchase you can pay with the bank partners and installments will be provided for the usual time.

Alpha map for traveling abroad: Conditions

A bank card for traveling from Alpha Bank is offered not one. There are quite a lot of them. They allow you to get a good cashback, although for this they usually choose cards. In general, the bank’s products are attractive, but the amounts of cashback are different for them, and some cards under the conditions can even say that not for everyone. In any case, you can choose good options for any users.

Cashback is distributed as follows:

Travel map Sberbank Aeroflot Bonus: Conditions

Sberbank is always trying to stand out against the backdrop of competitors and it would be strange if there was no bank card for traveling in the grocery line. A card such as Aeroflot Bonus stands out, because it allows you to save miles for travel. After all, they can be changed to flights, as well as other useful services for tourists.

The card has one nuance - if you do not use miles in 2 years, then they will burn. By the way, in addition to miles, “thank you” points will also accumulate. The latter can also be useful for paying a car rental.

Cards are issued both debit and credit. In each case, 3 options are presented - classic, gold and platinum. They are distinguished by accessible limits, as well as accrued bonuses. The maximum credit card limit can amount to 600 thousand rubles, but this is in the case of platinum, and the other two can have a maximum of 300 thousand rubles.

You will be interested in: "How to travel by car - how to get together on the road?".

VTB - travel card abroad: Conditions

VTB does not have a bank card for traveling abroad. But there is an option “Travel” or “Travel”. The point is that the service allows you to get miles on a map in the form of cashback, which can be spent on tourist services.

In general, this card is credit and with a limited limit. It is issued for free. By the way, after rebranding the bank, many products were replaced by a multi -stroke, which works with several currencies at once. Accordingly, the “Travel” program has undergone changes. Previously, miles were charged only for certain purchases, and now they are given for all purchases.

If you spend more than 15 thousand rubles every month from the card, then you will not have to pay for service. The maximum limit is up to 1 million rubles, and the interest rate is 22% per annum.

Regardless of the amount of purchases to the client, 4%is accrued as a bonus. After that, the accrual changes and such a cashback can be obtained only at a cost of 75 thousand rubles. When purchases from 5 to 15 thousand rubles, the return will be 1%, and up to 75 thousand rubles - 2%.

Tinkoff map for traveling abroad: Conditions

The last banking card for travels that I would like to talk about separately is Tinkoff Air Lines. It also allows you to save miles and can be debit or credit. It allows you to get an increased cashback for the purchase of air tickets, and insurance is automatically issued, so it does not have to be issued separately.

Despite the fact that a credit card is more profitable, more customers choose debit. This is due to the fact that no one wants to get big debts.

Miles in the amount of 1.5-8% of purchases are returned to the debit card. It largely depends on the amount in the account. Of course, if you have more than 100 thousand rubles, then the cashback will be maximum. Her delivery is fast, and the service will be free, provided that there are 100 thousand rubles in the account. Otherwise, payment will be 299 rubles.

An increased cashback is accrued on a credit card and its maximum amount is 10% of the purchase. Without percent, the debt can be repaid within 55 days after the purchase. The credit limit on the card will be up to 700 thousand rubles. Miles are charged for different purchases, but the maximum 10% usually returns for hotel reservation and car rental, and in other situations the amount will be lower.

Which option to choose - decide for yourself. If it is easier for you to get a trip on credit, then it is better to use a credit card, and if you travel for cash, then the credit limit is useless to you.

Video: The best bank cards of 2022

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