standard bank travel wallet card

MoneyWallet 4+

Standard bank group.

• 4.8 • 52 Ratings

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Description.

STANBIC MONEYWALLET is designed to help you Outsmart Travel.  STANBIC MONEYWALLET is a multicurrency prepaid travel money card – which helps take the stress out of spending locally and internationally. Here’s how: - The STANBIC MONEYWALLET is more secure than carrying cash; - It’s accepted in millions of places (everywhere Mastercard is accepted); - It allows you to load multiple currencies; - It gives you the ability to lock-in exchange rates so you’ll know exactly how much money you have to spend; and - 24/7 phone support to all customers no matter where you are in the world.The smarter and savvier new app comes with improved usability and added functionality, so you can spend more time enjoying your holiday.  Key features: - Touch ID for fast and secure sign in; - Real time view of your balance(s); - Instantly transfer between currencies; - Monitor your transactions and spending; and - Manage your personal and card details. To find out more about STANBIC MONEYWALLET, visit https://www.stanbicbank.com.gh,

Version 4.0.0

Minor enhancement & Defect Fixes

Ratings and Reviews

Other means to fund it.

I have MoneyWallet and I enjoy using it. Good job done. But I want to ask and also put it as a request that apart from funding MoneyWallet through the branch of Stanbic Bank, there should be other means to fund it: 1. Mobile Money transfers. 2. Other local and international Bank transfers. Other than that MoneyWallet is still limited in this area.

I love this card. It’s the best. I use it in every country I travel to with ease and so much security.

ABDUL RAUFF

Easy movement but charges is too high to lease reduce it small for us

App Privacy

The developer, Standard Bank Group , indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

• Identifiers

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

• Developer Website
• App Support
• Privacy Policy

Get all of your passes, tickets, cards, and more in one place.

More by this developer.

Standard Bank / Stanbic Bank

Shyft – Global Money App

Stanbic Bank Kenya

Business Online

Standard Online Share Trading

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Standard Bank Travel Wallet

Enjoy a hassle-free holiday with a TravelWallet card preloaded with the currencies you need. Swipe and draw cash safely and simply.

SOME OF THE BENEFITS

Universally accepted.

This prepaid MasterCard is accepted everywhere but South Africa, Lesotho, Namibia and Swaziland

No till-point charges

You only incur transaction costs if paying in a currency other than that loaded on your card

Your chip and PIN-enabled card offers familiar security features to prevent fraud

What you get

• Load US and Australian dollars, Euros, and Pounds Sterling
• Draw cash at Mastercard or Cirrus ATMs around the globe
• Swipe for free at till points in the currency of the country you’re in
• Reload forex onto your card for up to four years
• Access your free statements online at whatsonmycard.com 
• Earn 50 tiering points as a UCount Rewards member when you get your card

Card features

• Chip- and PIN-enabled
• Check your balance and statements online
• Register for free SMS alerts on card activity
• Automatic Lost Card Protection

How to get it 

• Email a Direct Delivery form to your metro outlet*
• Load your card with forex in the same order form
• Your preloaded card will be delivered to you at work place in 24 hours
• Or, you can order a card at your nearest branch

What it costs

• No monthly fee or penalties for inactivity
• R 121 card activation fee
• Free card activation, loading, reloading and delivery for Consolidator, Professional, Prestige, Private and Signature account holders
• 50% off card activation, loading and reloading for Student Achiever account holders

The 7 best stand-alone credit cards

Editor's note: This is a recurring post, regularly updated with new information and offers.

The worst-kept secret of travel rewards is that credit card welcome bonuses, not flown-in-seat flight miles or paid hotel stays, are typically the best way to earn points and miles these days.

That, along with complimentary bonus categories, is why a multi-card strategy such as the Chase Trifecta works well for so many people. At TPG, some staffers happily have 20 or more credit cards in their wallets to maximize every dollar spent.

But the truth is a wallet full of multiple rewards cards isn't a viable (let alone desirable) option for everyone.

Maybe you plan on applying for a mortgage soon and want to minimize the number of hard inquiries or new accounts on your credit report. Maybe you don't have an efficient way to keep track of multiple cards with multiple payment dates and hefty annual fees. Or maybe you don't want to spend the time to learn the nuances of these programs to squeeze as much value from them as possible.

Whatever your situation is, there's no reason you can't still enjoy exceptional travel rewards with only one rewards card in your wallet.

That said, if you're going to stick to a single card, you must pick it carefully.

Here are some of the best stand-alone credit cards — though, as always, be sure to check out our best credit card offers for all of TPG's selections.

Overview of the best stand-alone cards

• Chase Sapphire Preferred ® Card : Best overall stand-alone card
• Capital One Venture Rewards Credit Card : Best for flexibility and value
• Chase Sapphire Reserve ® : Best for luxury perks and protections
• Capital One Venture X Rewards Credit Card : Best value for premium benefits
• American Express® Gold Card : Best for dining and groceries
• The Blue Business® Plus Credit Card from American Express : Best for simple earning rate
• Bank of America® Premium Rewards® credit card : Best for Bank of America customers

How we picked our favorite stand-alone cards

In compiling this list, I focused on two main factors:

• Welcome offer: If you're only applying for one credit card, you need a large bonus upfront to make sure you'll have enough points to cover at least your first major redemption.
• Bonus categories/earning rate: Whether you spend $10,000 or $100,000 a year, it's important to have a credit card that rewards you where you use it most — or, alternatively, that has a simple, flat rate of return.

I didn't put much weight into perks like Global Entry application credits or lounge access — if you're an infrequent traveler sticking to a single credit card, those are luxuries and not necessities.

You'll also notice that every card on this list is either a transferable points card or one that offers a fixed value. Again, if you only have one rewards currency at your disposal, it's important that you pick a flexible one that you'll be able to redeem whether you're traveling across the state or across an ocean.

All of the welcome bonus valuations below are based on TPG's August 2024 valuations .

Chase Sapphire Preferred Card

If you've been in the points and miles world for any length of time, you've definitely heard of the Chase Sapphire Preferred .

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

Welcome offer value: $1,230

Annual fee: $95

Why we chose it: The Chase Sapphire Preferred Card has long been a favorite of TPG staffers (and readers) for many reasons.

The Sapphire Preferred offers a 60,000-point welcome bonus and a manageable $95 annual fee. It's also stacked with bonus categories and perks, as cardholders will earn the following:

• 5 points per dollar on all travel purchased through Chase Travel℠ and on Lyft purchases (Lyft purchases through March 2025)
• 3 points per dollar on dining, including eligible delivery services, select streaming services and online grocery purchases (excluding wholesale clubs, Target and Walmart)
• 2 points per dollar on all other travel purchases
• 1 point per dollar on all other purchases

In addition, cardmembers can enjoy a $50 annual credit on hotel stays booked through Chase Travel, essentially bringing the effective annual fee down to $45. And on every anniversary, cardholders will receive 10% of their points back based on their annual spending (at a rate of 1 point for each dollar spent).

Plus, the Sapphire Preferred offers valuable travel insurance benefits and access to a fantastic list of Ultimate Rewards transfer partners .

To learn more, check out our full review of the Sapphire Preferred .

Apply here: Chase Sapphire Preferred

Capital One Venture Rewards Credit Card

If you want a card without multiple bonus categories to track, the Capital One Venture Rewards is a solid option.

Welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening. Plus, receive a one-time $250 Capital One Travel credit in your first cardholder year.

Welcome offer value: $1,638

Annual fee: $95 (see rates and fees )

Why we chose it: Round after round of award chart devaluations have made fixed-value cards like the Capital One Venture Rewards a more attractive option for many people.

The card earns 2 miles per dollar on all purchases with no annual cap — though you'll also earn 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Travel . There's no minimum redemption amount, so you can redeem your miles as you please.

Capital One has 15-plus transfer partners , with most transferring at a 1:1 transfer ratio. This combination of a strong earning rate, flexible fixed-value redemptions and a comprehensive list of transfer partners really puts the Venture Rewards in a league of its own — and makes it a great solo card for your wallet.

To learn more, check out our full review of the Venture Rewards .

Apply here: Capital One Venture Rewards Credit Card

Chase Sapphire Reserve

Chase's premium-tier consumer card, the Chase Sapphire Reserve , is a great option to consider if you can justify its steep annual fee.

Annual fee: $550

Why we chose it: If you asked me to pick only one of my credit cards to keep forever, I would choose the Chase Sapphire Reserve without hesitation. This card packs just about everything you could want into one solid metal shell.

The 3 points per dollar this card earns in very broadly defined travel and dining categories continue to reward me whether I'm at home or on the road.

The Sapphire Reserve also offers some competitive category bonuses such as 10 points per dollar on Chase Dining booked through Chase Travel, 10 points per dollar on hotel and car rental purchases through Chase Travel and 5 points per dollar on airline travel booked through the same travel portal.

Even though it comes with a $550 annual fee , your real out-of-pocket cost is only $250 thanks to the $300 annual travel credit, which Chase will automatically apply for you.

Add in perks like generous travel and baggage insurance, a Priority Pass Select membership , Global Entry or TSA PreCheck reimbursement and access to a premium concierge service, and it's easy to see why the Sapphire Reserve is the complete package.

To learn more, check out our full review of the Sapphire Reserve .

Apply here: Chase Sapphire Reserve

Capital One Venture X Rewards Credit Card

The Capital One Venture X is arguably the most popular premium credit card on the market right now.

Welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.

Welcome offer value: $1,388

Annual fee: $395 (see rates and fees )

Why we chose it: If you're looking for a premium card with a lower annual fee than the Sapphire Reserve, the Capital One Venture X would be a great addition to your wallet.

For a $395 annual fee, the Venture X features an array of benefits beyond the initial sign-up bonus, including:

• $300 in credits annually for Capital One Travel bookings
• Complimentary lounge access to Capital One lounges and Priority Pass lounges for you and some (complimentary) authorized users (see rates and fees )
• 10,000 miles every year on your anniversary (worth $100 toward travel purchases)
• Up to $100 statement credits for TSA PreCheck/Global Entry
• Trip cancellation and interruption protection, trip delay reimbursement and cellphone protection

The Venture X also features a better earning rate than the Venture Rewards — one that's very aligned with the Sapphire Reserve. Cardmembers will earn 10 miles per dollar on hotels and car rentals booked via Capital One Travel, 5 miles per dollar on flights and vacation rentals booked via Capital One Travel and 2 miles per dollar on other purchases.

To learn more, check out our full review of the Capital One Venture X .

Apply here: Capital One Venture X

American Express Gold Card

The Amex Gold is a great choice for those who dine out often and buy a lot at U.S. supermarkets.

Welcome bonus: Earn 60,000 bonus points after spending $6,000 in the first six months of card membership — though be sure to check the CardMatch Tool to see if you're targeted for an even higher offer (subject to change at any time). New cardmembers will also receive 20% back in statement credits on restaurant purchases in the first cardmember year (up to $100 back). Offer ends Nov. 6.

Welcome offer value: Up to $1,300

Annual fee: $325 (see rates and fees )

Why we chose it: The Amex Gold is nearly unparalleled in terms of bonus categories. It offers 4 points per dollar at worldwide restaurants (up to $50,000 per year, then 1 point per dollar) and 4 points per dollar at U.S. supermarkets (up to $25,000 a year, then 1 point per dollar). You'll also earn 3 points per dollar on flights booked directly with the airline or via American Express Travel.

In addition, the card features up to $427 in annual statement credits that help justify its annual fee.

You'll receive up to a $10 monthly dining statement credit (up to $120 each calendar year) for purchases made at Five Guys, Grubhub, the Cheesecake Factory, Goldbelly and Wine.com. Enrollment is required; terms apply.

In addition, you'll also receive up to $120 in Uber Cash each calendar year (paid out in up to $10 increments per month), which can be used for Uber Eats orders or Uber rides in the U.S. You must add the card to the Uber app to receive the Uber Cash benefit. Enrollment is required; terms apply.

Additional statement credits include up to $100 every calendar year (up to $50 semi-annually) for purchases made at Resy-affiliated restaurants in the U.S. and up to $84 each calendar year (up to $7 per month) for purchases made at U.S. Dunkin' Donuts. Enrollment is required; terms apply.

American Express's Membership Rewards program offers an array of valuable redemption options — making the earning rates even more compelling for those looking to maximize their rewards.

To learn more, check out our full review of the Amex Gold .

Apply here: American Express Gold Card

The Blue Business Plus Credit Card from American Express

Even if you don't own a large business, you can still qualify for a great business card like the Blue Business Plus .

Welcome bonus: Earn 15,000 bonus points after spending $3,000 in eligible purchases on the card within your first three months of card membership.

Welcome offer value: $300

Annual fee: $0 (see rates and fees )

Why we chose it: The Blue Business Plus Credit Card from American Express is one of the only no-annual-fee business cards to earn valuable transferable points. It also happens to be one of the top cards for everyday spending that doesn't fall into your typical bonus categories.

You'll earn 2 Membership Rewards points per dollar on your first $50,000 of annual spending (1 point per dollar after that), with no bonus categories to remember.

Points transfer to valuable partners such as Delta , Air Canada and British Airways . Instead of worrying about maximizing your spending, you can instead invest that time in perfecting your redemption strategies.

If you max out the $50,000 of double points annually, those 100,000 points a year can take you to some pretty cool places.

To learn more, check out our full review of the Blue Business Plus .

Apply here: Blue Business Plus from American Express

Bank of America Premium Rewards credit card

Bank of America doesn't get as much attention as Chase, Capital One or American Express, but the Bank of America Premium Rewards is absolutely worth considering.

Welcome bonus: Earn 60,000 bonus points after spending $4,000 in purchases in the first 90 days of account opening.

Welcome offer value : $600

Why we chose it: The Bank of America Premium Rewards card makes this list for a number of reasons. The $95 annual fee is more than offset by the up to $100 annual airline incidental statement credit, leaving you with five extra bucks for every year you have this card.

You'll also receive up to $100 toward Global Entry or TSA PreCheck application fees every four years.

It also offers a unique bonus category structure that rewards Bank of America's most valuable customers. All cardholders will earn 2 points per dollar on travel and dining and 1.5 points per dollar on everyday spending, but members of Bank of America's Preferred Rewards® program can earn much more, up to 3.5 points per dollar on travel and dining and 2.625 points per dollar on everyday spending.

Keep in mind that the number of additional points you can earn depends on how much money you have with Bank of America or Merrill. To get the maximum bonus, you must have at least a $100,000 combined daily balance over three months.

To learn more, check out our full review of the Premium Rewards card .

Apply here: Bank of America Premium Rewards card

Bottom line

There's a misconception among newcomers to the travel rewards world that you have to be TPG-level obsessed in order to make any meaningful headway with your points and miles.

While it's absolutely true that you get out of this hobby what you put into it, I always like to remind my friends that one free flight a year is better than zero free flights a year. There's no question that you'll earn more points in both the short term and long term with a comprehensive card strategy, but you can get a ton of value from just a single card, especially one of the candidates listed above.

Related: The best first credit cards

For rates and fees of the Amex Gold Card, click here .

For rates and fees of the Blue Business Plus Card, click here .

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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5 Best Travel Credit Cards, According to Finance Experts

If you’re someone who travels a lot , whether for business or pleasure, you may be wondering if it’s worthwhile to look into the best travel credit cards. The finance experts we spoke to agree that the right card can help with cashing in on rewards. And when it comes to choosing, it boils down to the annual fee amounts, any airline benefits, and the best options for international travel (if that’s a priority for you). Other travel perks can include elite airport lounge access, free hotel nights, and no foreign transaction fees, benefits that are sometimes even offered on cards with no annual fees. Below, experts break down what to look for in a travel card, as well as the top five picks to consider.

Your travel credit card questions, answered

What are travel credit cards, should you get a travel credit card, what to look for in a travel credit card, is a high annual fee a red flag, 1. best travel credit card for beginners: chase sapphire preferred card.

• APR: 21.49% to 28.49%
• What it offers back: Points can be transferred to airline and hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through Chase Travel
• Annual fee: $95
• Rewards rate: 5 points per dollar on travel booked through Chase Travel and Lyft purchases; 3 points per dollar on dining, select streaming services, and online grocery store purchases (not including Target, Walmart, and wholesale clubs); 2 points per dollar on all other travel purchases; 1 point per dollar on everything else
• Intro offer: 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
• What to note: Lower annual fee, high welcome offer, no foreign transaction fees
• Credit score needed: Not specified

The Chase Sapphire Preferred Card is ideal for beginners for various reasons. For starters, its $95 fee is on the low end compared with other travel cards. Perks include travel protection benefits (including trip-cancellation insurance, primary car rental insurance, and lost-luggage insurance), and annual hotel credit (through Chase Travel).

This card also has a welcome offer of 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. For rewards, users get 5 points per dollar on travel booked through Chase Travel and Lyft purchases; 3 points per dollar on dining, select streaming services, and online grocery store purchases (not including Target, Walmart, and wholesale clubs); 2 points per dollar on all other travel purchases; and 1 point per dollar on everything else. Points can be transferred to airline and hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through Chase Travel.

2. Best Credit Card for Domestic Travel: Southwest Airlines Rapid Rewards Plus Credit Card

• What it offers back: Earn 2 points per $1 spent on Southwest purchases, Rapid Rewards hotel and car rental partner purchases, local transit and commuting (including rideshare), and internet, cable, and phone services; select streaming; 1 point per $1 spent on everyday purchases, and 25% back on inflight purchases (i.e. Wi-Fi and alcoholic beverages)
• Annual fee: $69
• Rewards rate: 1 to 2 points per dollar
• Intro offer : 50,000 points after you spend $1,000 on purchases in the first three months from account opening
• What to note : Low annual fee, generous welcome and anniversary offer, no foreign transaction fees
• Credit score needed : Not specified

This travel credit card is my card of choice, and I've held it for 10 years now. Given the ability to quickly accumulate points and a generous anniversary bonus, the card’s low annual fee has paid for itself and then some every year, since I often manage to rack up enough points for a handful of one-way flights (or at least a couple of round-trip ones). Southwest also flies to several international destinations in Central America and the Caribbean—in fact, my husband and I booked our honeymoon in Belize in 2017 entirely with points. This card also has no transaction fees, and other perks include 25% back on in-flight purchases (such as Wi-Fi and alcoholic beverages, which are $8 each) and two early bird check-ins per year.

3. Best Credit Card for International Travel: Bank of America Travel Rewards Credit Card

• APR: 0% intro APR for the first 15 statement closing dates following the opening of your account; after that, 19.24% to 29.24%
• What it offers back: 3% cash back on gas and EV charging stations, online shopping,​ cable, ​streaming, Internet, ​phone plan, dining, travel, drug store or ​pharmacy, and home improvement or ​furnishings purchases; 2% cash back at grocery stores and wholesale clubs; 1% cash back on all other purchases; as well as 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter
• Annual fee: None
• Rewards rate: 1.5 points for every $1 spent on all purchases, everywhere, every time
• Intro offer: 25,000 online bonus points, a $250 travel or dining statement credit value, after making at least $1,000 in purchases in the first 90 days of account opening
• What to note: No annual fee, 0% intro APR, no foreign transaction fees

Bank of America’s Travel Rewards credit card is another great choice for frequent travelers, as it comes with no annual fee or foreign transaction fees, which is ideal if you intend to spend a lot of time abroad. A huge added bonus is a 0% introductory APR that applies to the first 15 statement closing dates. Additional perks include 25,000 online bonus points and a $250 travel or dining statement credit value after making at least $1,000 in purchases in the first 90 days.

Card holders can also earn unlimited points, with 1.5 points for every $1 spent on all purchases; points also don’t expire. Finally, this card doesn’t have any blackout dates, which means you can use it on any hotel or airline, at any time.

4. Best Travel Card With Lounge Access: Capital One Venture X Rewards Credit Card

• APR: 19.99%, 26.24% or 29.99%, depending on your credit score
• What it offers back: 10,000-mile anniversary bonus, $300 annual travel credit, $100 Global Entry or TSA PreCheck credit
• Annual fee: $395
• Rewards rate: 10 miles per dollar on hotels and rental cars; 5 miles per dollar on flights and vacation rentals booked through Capital One Travel using this Rewards card account; 2 miles per dollar on all other purchases
• Intro offer: 75,000 bonus miles if you spend at least $4,000 within three months of your enrollment date
• What to note: One drawback is the high annual fee, but perks include a higher rewards rate on travel-related purchases
• Credit score needed: Excellent (800 to 850)

If you like to travel in style, one of this card’s top perks is unlimited complimentary access for you and two guests at more than 1,300 airport and travel lounges. That’s huge if you don’t like the buzzkill that comes with not being able to share the finer things with your travel companions.

It’s worth noting that this card comes with a higher annual fee than most others, and you need excellent credit to qualify. But the rewards it comes with (specifically, that annual miles bonus and travel credit) will quickly make that fee pay for itself. The benefits quickly outweigh the fee as well, and include 75,000 bonus miles when you spend $4,000 on purchases in the first three months, equal to $750 in travel.

The rewards rate structure includes 10 miles for every dollar spent on hotels and rental cars that were booked through Capital One Travel, 5 miles for every dollar spent on flights booked through Capital One Travel, and 2 miles per dollar on all other purchases.

5. Best for Everyday Rewards: American Express Gold Card

• APR: 21.24% to 29.24%
• What it offers back: $120 dining credit, $120 Uber Cash, $100 travel experience credit when booking through The Hotel Collection
• Annual fee: $250
• Rewards rate: 4 points per dollar at restaurants or groceries, 3 points per dollar on flights, 1 point per dollar on all other purchases
• Intro offer: 60,000 points after you spend $6,000 in eligible purchases within the first six months of card membership
• What to note: While this card does have a higher annual fee than most, it offers a generous rewards structure and welcome bonus, as well as no foreign transaction fees

This card is great for racking up dining and grocery rewards, which are things everyone uses on a regular basis, especially if your travel volume is on the lower end. So if you’re a foodie, you’ll love the incentive to dine out more often than usual.

While it does have a hefty $250 annual fee, this card also comes with an introductory offer of 60,000 membership points after spending $6,000 in the first six months of card membership. Its points-earning ability includes 4 points for each dollar spent on dining at restaurants and US supermarkets (up to the first $25,000 in purchases per calendar year; then 1 point per dollar) and 3 points for every dollar spent on flights booked directly with an airline or with Amex Travel.

Other perks include a statement credit of up to $120 annual for dining, up to $120 in annual Uber Cash, and up to $100 in hotel credits, all of which would prove beneficial when using the card while traveling.

There are two main types of travel credit cards: cobranded hotel and airline cards and transferable-points bank cards. With both these cards, you’ll typically get a large sign-up bonus in the form of rewards points and perks that will offset several years’ worth of the annual fee.

Transferable-points cards allow you to earn rewards points on everyday purchases like dining and groceries, which ultimately go to your stockpile of points to eventually put toward travel.

According to Torres, key features of travel cards include sign-up bonuses for quick rewards; the ability to earning points across spending categories, including travel and everyday expenses; and flexible redemption options. When comparing cards, you should consider perks like airport lounge access, travel insurance, and statement credits for TSA PreCheck or Global Entry.

“If you can make the most of the rewards and perks offered by the card, it can be a savvy financial move, regardless of your travel frequency,” says Jannese Torres, host of the Yo Quiero Dinero podcast and author of Financially Lit!: The Modern Latina’s Guide to Level Up Your Dinero & Become Financially Poderosa . “Ultimately, it's about aligning the card’s features with your lifestyle and financial goals to make the most of your spending, whether you’re a frequent flyer or an occasional traveler.”

Even if your total annual travel is on the lower end, you might think about snagging a travel credit card if you find yourself booking airfare and hotel stays a few times a year, says personal finance expert Nicole Lapin , who also hosts Money Rehab podcast.

“These cards can be great for earning rewards faster on travel spending, and even if you’re not jet-setting often, using one for daily expenses to collect points or miles for an occasional lavish getaway can still be a smart move,” she says. “It’s like putting away a little extra for a future vacation every time you shop.”

Generally speaking, as with any credit card, it also makes sense to consider a travel credit card if your finances are in good standing and it would benefit your travel plans . Experts universally agree that everyone should have some type of rewards credit card, assuming they have an appropriate credit score and can pay the card off in full every month. The decision to get a travel credit card hinges on various factors, including how much you spend, the card’s rewards structure, and whether the benefits outweigh any associated fees, Torres says.

According to Lapin, you should look for a travel credit card that offers a solid rewards rate on your spending.

Sign up bonus: Look for a juicy sign-up bonus and perks that suit your travel style, she says. “Key features might include things like no foreign transaction fees, comprehensive travel insurance, and freebies like airport-lounge access or credits for Global Entry and TSA PreCheck. But be cautious of cards with unreasonable minimum-spending requirements to earn sign-up bonuses, Torres says. “Make sure you can comfortably meet the spending threshold without overspending or accruing unnecessary debt,” she says.

Rewards program: In that same vein, though, consider a rewards program with perks you will actually use—if you regularly fly in and out of an airport that doesn’t have a lounge, then a premium card with lounge access probably shouldn’t be a priority. “Other red flags include restrictive redemption options that tie you to one airline or hotel chain, unless you’re totally okay with that limitation,” Lapin says.

However, you’ll also want to avoid cards with limited redemption options or complex rewards structures that could make it challenging to maximize your rewards, and steer clear of cards with high foreign transaction fees, especially if you frequently travel internationally, Torres says: “These fees can quickly diminish the value of your rewards when using the card abroad.”

Annual fees: While many travel cards will come with an annual fee, they also typically come with a sign-up bonus worth far more than that fee, making it easily pay for itself. It’s also key to zero in on your own travel habits, so if you’re flying a specific airline multiple times a year, it can make sense to get a branded card for that airline.

Airline perks: Some airline credit cards also offer free checked bags as a benefit for holding the card, which can be a huge advantage to those who typically check bags, as this can save you around $40 per bag, per leg of your trip.

Ultimately, “balance annual fees with benefits, prioritize cards with no foreign transaction fees for international travel, and explore additional perks like concierge services,” Torres says.

At first glance, a high annual fee can send people running from signing up for a travel credit card. Experts often see them as green flags instead of red one, however, assuming you get the value out of them in points and perks. Even a no-annual-fee travel card that has no foreign transaction fees can be worthwhile for a single trip abroad, considering that foreign transaction fees can otherwise add 2% to 3% to the price of every international purchase.

“In certain cases, a high annual fee on a travel credit card can be justified by the valuable perks and benefits it offers,” Torres says. “For frequent travelers who prioritize convenience and luxury, these cards often provide access to airport lounges, elite status with airlines and hotels, and comprehensive travel insurance coverage, enhancing the overall travel experience. “

Additionally, cards with high annual fees may offer generous rewards rates, lucrative sign-up bonuses, and flexible redemption options, allowing cardholders to accumulate points or miles quickly and redeem them for premium travel rewards, Torres says.

Cards with annual fees also tend to have other big benefits, such as travel insurance, as well as some niche benefits on certain cards, for example, statement credits at Saks Fifth Avenue, Uber, or Equinox.

“Just remember to align the card with your actual travel habits and financial goals, and calculate whether you’ll use enough perks to offset any fees,” Lapin says. “Choosing the right travel credit card can really help make your travels more enjoyable and a bit more economical.”

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Best travel cards offered by top South African banks

Planning a trip abroad involves a lot of administration. You need to consider travelling arrangements, reasonable accommodation, and a daily itinerary. But have you considered how you’re going to pay your bills once you arrive? Besides co...

2 January 2020 · Isabelle Coetzee

Planning a trip abroad involves a lot of administration. You need to consider travelling arrangements, reasonable accommodation, and a daily itinerary.

But have you considered how you’re going to pay your bills once you arrive? Besides considering bank costs, you also need to consider exchange rates.

We had a look at the options available at some of the top banks in South Africa.

Tip: Compare bank cards on our website

What are travel cards?

It can be dangerous to carry around large amounts of money overseas. Anything can happen – you could get mugged or you may even lose your wallet.

Travel cards offer an alternative to your general bank card, whilst still offering you the local currency at a reasonable cost.

According to Nedbank, these cards offer you the ability to buy currency at a locked-in currency. This way money will not be affected by fluctuations once you have bought the currency. 

“Clients are able to save in currency using the foreign currency account to later transfer into their travel cards ahead of their travel,” says Nedbank.

For example, you’re able to perform the following functions on the Nedbank Money App for the Nedbank Travel Card:  

• Buy and sell currency
• See balances and transaction listings
• Freeze, unfreeze, and block cards

Have a look at the table below where the available travel cards from four of the top South African banks are compared:

READ MORE: Travel insurance through medical aid: Is it enough?

What to consider in a travel card?

According to Nedbank, there are two important things to consider when selecting a travel card:

• Is the travel card digitally accessible anywhere for buying and selling currency, as well as for balance and transaction listings viewing?
• Make sure that costs associated with the card are transparent.

If you’re not satisfied with the travel card offered by your current bank, you always have the option of opening a new account with a different bank.

Nedbank points out that you should consider getting a travel card for your next holiday if:

• you want to spend within your budget and always be in control of your money
• you want to avoid currency fluctuations
• you want to manage your travel budget digitally

Did you know that medical aid and hospital plans offer medical assistance abroad? Make sure you’re covered when you travel.

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14 Travel Wallets for Your Next Trip | Best Travel Wallet

Whether you’re new to the travel wallet game or are a seasoned vet looking for your next passport partner, this list has you covered.

If you’re traveling abroad, passport security has probably crossed your mind more than once. Exploring a new place is exhilarating, but being unsure if your passport is secure causes unneeded anxiety. Never fear; Pack Hacker is here!

We’ve compiled a detail-oriented list of our favorite travel wallets to help you decide which should accompany you on your next trip. Some are basic passport wallets without frills; others are as detailed as your itinerary. There’s a best travel wallet for everyone on this list, so sit tight, and enjoy the ride!

Before we dive in, we tested all of these passport wallets with American identification. If you your passport is a different size, your mileage may vary. For reference, an American model is 4 15/16 x 3 7/16 inches (12.54 x 8.73 centimeters). Most passports match this size, but if unsure, measure yours first. Now, let's get into it!

• Bellroy Travel Wallet
• Fjallraven Passport Wallet
• Pioneer Passport Wallet
• Zero Grid Passport Wallet
• Pacsafe RFIDsafe Compact Travel Organizer
• Away Passport Holder
• Amazon Basics RFID Travel Passport Wallet
• Zoppen Passport Holder
• Herschel Supply Co. Raynor Passport Holder
• Trayvax Explorer Passport Wallet
• Red Wing Shoes Passport Wallet
• Fjallraven Kanken Travel Wallet
• CODEOFBELL ANNEX CASE
• Moment Crossbody Wallet

Best for: Full-time Travelers

Why We Like It: A professional-looking option that includes a pen.

What You Should Know: The hidden pocket flap is flimsy.

Bellroy’s Travel Wallet is a popular and competent offering that looks professional and has thoughtful internal organization. You can slide more than one passport inside, and there’s a divider in the money pocket to separate different currencies. Or, slide a boarding pass in one and your cash in the other.

Although the wallet looks similar in size to a standard wallet, it has a much larger footprint. This keeps it from fitting inside your front pocket and away from most back pockets. However, It should fit inside your sling , coat pocket, or daypack .

Though the exterior scratches and scuffs easily, it offers a unique, rugged, professional look that we dig. Plus, it comes with a micro-pen! That’s great for filling out your customs form on the plane before landing. What else could you ask for from a travel wallet?

Why We Like It: Internal organization feels more like a wallet with space for extras.

What You Should Know: It is a tad too big for a pocket but too small to require a sling.

The Fjallraven Passport Wallet utilizes G-1000 fabric, which we’re used to seeing on other products from the brand. It’s durable, looks professional, and makes the color pop. Paired with YKK zippers, this is a passport wallet that you can rely on for years to come.

The internal organization can handle your travel documents, credit cards, and more than one passport if you pack it wisely. Given how much you can fit inside, this wallet is larger than your daily carry, but it feels soft in your hand and looks professional and fun at the same time.

If you own other Fjallraven gear, their Passport Wallet will fit right into your kit.

Best for: Professional Travelers

Why We Like It: The use of premium, sturdy materials goes a long way.

What You Should Know: There’s only one place to put your passport.

If durable materials are your thing, look no further than the Pioneer Passport Wallet. In addition to having space for your important travel documents, the nylon shell is extraordinarily tough and can handle whatever journey you have planned next. It also has a DWR coating to shield your sensitive information from the elements.

The interior design is simple, which ensures you can access everything quickly. Both the interior and exterior are minimalistic, which is great for looks, but may leave something to be desired for those who like to bring a ton of gear.

Whereas this is an excellent option for those looking for a passport wallet for just the essentials, if you want the best travel wallet for the whole nine yards, this might not be the right choice for you.

Best for: Relaxed Travelers

Why We Like It: It can fit a lot of gear for its small footprint.

What You Should Know: The materials aren’t very sturdy for rugged adventures.

At first glance, the Zero Grid Passport Wallet looks a bit cheap. However, what it lacks stylistically, it makes up for in gear storage. On the interior, you can stow your passport on either side, leaving the other for your cards and cash. There’s even an exterior pocket that’s handy for waiting in line at the coffee shop or food truck.

This travel wallet closes with a YKK zipper and utilizes ripstop nylon, which is lightweight and fairly durable. It isn’t the best choice for a rugged adventure, but it’ll hold up well for most use cases.

If the small size doesn’t suit your needs, Zero Grid makes a larger Passport Holder with enough space for an entire family. Plus, the included pen is nearly twice as large; what a deal! This comes in handy for filling out customs forms and writing down directions.

Why We Like It: The dedicated change purse is ideal for places where cash rules.

What You Should Know: Although plentiful, the internal organization can be daunting.

Pacsafe is known for its products that deter theft while traveling. Although their Compact Travel Organizer doesn’t have any of the unique locking features as some of their slings we’ve tested, it has RFID-blocking technology and is a capable travel wallet.

The exterior is crafted from recycled polyester and is PFC-free, which is an excellent shout from an environmental standpoint. A small zippered pocket on the exterior works well for change or if you’re waiting in line at a cash-only joint and don’t want to wave bills around beforehand.

This passport wallet is large, but not so large that you’ll feel awkward holding onto it for a few minutes at a restaurant or shop. The interior organization is thoughtful and easy to organize, so you’ll be able to quickly access your gear no matter where you end up.

Why We Like It: Unique design doesn’t fold, ensuring no wasted space.

What You Should Know: It can be hard to see the cards inside the wallet.

Most of the travel wallets on this list share one feature—a fold. We’re used to seeing non-folding models in the everyday carry world, but for a passport wallet, it feels wasteful. Enter the Away Passport Holder!

The design ensures easy access to your passport and gear because you don’t need to open a fold before grabbing it. This does heighten the chance that dirt and debris will slide inside and makes it a little harder to see cards in poor light, but once you get used to it, this isn’t an issue.

Best of all, this travel wallet from Away looks professional and feels durable. Plus, if you have larger pockets on your clothing, you may be able to carry it without needing a sling or daypack!

Best for: Frugal Travelers

Why We Like It: There’s enough room for everything in your wallet and then some.

What You Should Know: You’ll need to stow it in a daypack or other large gear.

We know what you’re thinking—an AmazonBasics travel wallet? Stick with us. It might look like the little folder that the check comes in at a restaurant, but the AmazonBasics RFID Travel Passport Wallet can fit you, your partner, and your family’s travel documents in one easy-to-access location.

In addition to holding everyone’s passports, you will be able to stow cards, cash, and other gear inside. The exterior has a loop to secure it inside your pack for extra peace of mind. The design is thoughtfully crafted, so you know where all your important documents are at all times.

Best of all, it comes at a budget-friendly price so you can spend more on wontons, not a travel wallet.

Why We Like It: Clutch-style design looks as comfortable at a restaurant as at the airport.

What You Should Know: Button closure can be finicky.

Most travel wallets we’ve come across have a more masculine style. There are options for those who prefer something different, but they’re not as common. The ZOPPEN Mulit-purpose Rfid Blocking Passport Holder Travel Wallet utilizes a clutch-style design that fits in no matter where you end up.

The exterior is crafted from faux leather that looks professional and holds up well over time. The snap closure can be tricky, especially when not fully packed. There are a ton of fun colorways to choose from, and this travel wallet won’t break the bank, either.

The interior has a soft accent material to ensure your gear stays safe and scratch-free. It unfolds like a pamphlet, so you’ll have enough room for everything you need, from Detroit to Delhi.

Why We Like It: It has a casual design that feels at home no matter where you end up.

What You Should Know: Sliding your passport in and out isn’t always the quickest.

The Herschel Supply Co. Raynor may be described as a passport holder, but it operates like a travel wallet. It’s crafted from leatherette, or synthetic leather, which is durable but shows cracks over time. These haven’t compromise the material in our experience, though they are noticeable.

The interior has a simple design that can hold a few cards, cash, and a passport. The organization doesn’t try to do or carry too much and ensures you don’t overpack in the process.

However, it’s pretty large for what you can stow inside. It feels more like a standard model than a travel wallet. That might not work for some, but if you want to use something that reminds you of what you’re used to, it will do that perfectly. The model we have on hand has a black-and-white colorway that’s sharp-looking and unique.

Why We Like It: American leather looks professional and rugged simultaneously.

What You Should Know: You can’t fit a ton of gear inside for how large it is.

We’ve tested a lot of Trayvax Wallets here at Pack Hacker. Though their minimalist wallets are mostly made of metal, the Explorer Passport Wallet has a unique look all its own. It’s crafted from genuine American leather that looks professional and rugged simultaneously.

The angled corners look almost art-deco and add to this wallet’s stand-out design. It only comes in brown, but we feel that color suits it well.

On the interior, there’s a window so you can see what card you’re sliding out. There isn’t much room for gear here, but there’s enough space for your travel essentials. In addition to offering an excellent passport wallet, Trayvax has a warranty that can be relied on. The warranty spans 65 years and covers any issues with materials or their work from general wear and tear.

Why We Like It: A classic look that your grandfather and grandchild can appreciate.

What You Should Know: The fold is rounded, so it takes up a lot of space.

Red Wing has been cranking out comfortable boots since just after the turn of the century, but they make other leather goods worth looking at, too. The Red Wing Shoes Passport Wallet is crafted from durable materials and feels as sturdy as we’d expect from such a reliable brand.

On the interior, the two sides are nearly identical. There are slide pockets for your passport(s), two slots for cards, and a larger pocket perfect for cash. There isn’t a good spot for coins, so you might want to have an alternative place for that or avoid carrying it.

Given the durability of the leather, the crease isn’t very flat, which gives this travel wallet a lot of width. It feels more comfortable in a sling or daypack, but you can throw it in your jacket pocket in a pinch.

Best for: Sustainable Travelers

Why We Like It: Has enough space to fit small gear inside, so it functions similar to a clutch bag.

What You Should Know: It’s pretty bulky for the storage space you get.

We’ve tested a lot of Fjallraven gear over the years, a lot of which carries the Kanken name. The Fjallraven Kanken Travel Wallet is perfect for someone who already owns gear from the line or is looking for an ecosystem to invest in.

This passport wallet has lots of internal organization for your travel essentials and everyday gear. There’s an exterior phone pocket to keep everything in one place; however, plus-sized phones and large cases might not fit. When you’re phone is stowed inside, you can see the edges, which isn’t the most flattering look.

There are numerous fun colorways, and the styling perfectly fits into the Kanken line. However, it works well with anything colorful. When not fully packed, the top of the wallet caves in a little. This doesn’t affect usage, but it is noticeable.

Why We Like It: Enough room to stow your daily essentials and passport.

What You Should Know: It’s a bit bulky, even for a small pouch.

The CODEOFBELL ANNEX CASE isn’t a passport wallet per say, but it works exceptionally well for folks who want to go the extra mile in gear storage. The exterior has a durable shell with ample water resistance, so your gear inside will stay safe.

You can turn the case into a sling or crossbody bag, so you don’t have to worry about whether or not it will fit into your pocket. Though that makes this thing is large and hefty, you can fit more gear inside than in a traditional travel wallet. It utilizes segmentation, separate zippered compartments, and liner pockets to ensure all your gear has a home.

It has a minimalistic design, but the black colorway might not be what everyone looks for in a pouch.

Why We Like It: A simple wallet for those who prefer the option to wear your essentials.

What You Should Know: It looks more like a purse than a wallet.

The Moment Crossbody Wallet is a mini sling that can be used as a wallet. You can carry it with the included wristlet or use the strap to keep your hands free. The design is more feminine, but the colorway lends itself to most outfits and any gender.

The strap clips don’t feel the most secure, but we haven’t had any issues with them coming undone. There’s enough space to segment your gear on the interior but not enough to drown it in organizational bureaucracy. That said, it can feel a bit tight, so it’s best for storing small gear like a phone or chapstick.

Whether at the airport or on a fancy date, the Moment Crossbody Wallet is the best travel wallet that's up for any occasion and ensures all your gear makes it home safely.

So there you have it! Hopefully, by this point, you’ve chosen a few travel wallets that you can choose from for your next trip. Whether you’re heading to Texas or Tazmania, one of the passport wallets on this list will surely get your gear there safely.

If you want to see some of these wallets in action, check out this video!

January 23, 2023

Author: Eric Hergenreder

Eric has been across the globe, but his favorite place to explore is his home state of Michigan. His love for photography has taken him all around the Great Lake State, often writing about his travels so that others can enjoy them, too. Eric loves messing around with analog photography, watching soccer, and searching for the world’s best burger in his spare time.

I spend $1,300 a year on credit-card fees to get big travel perks. Here are ones I swear by and which I won't pay for again.

• I'm a frequent traveler spending $1,300 a year on credit card fees to get great perks. 
• The Platinum Card® from American Express  saves me money with its complimentary Priority Pass membership.
• My United℠ Explorer Card card has gotten me priority boarding but I'm not sure I want to keep it.

I used to think that paying an annual fee for a credit card was a terrible idea and a waste of money. 

For years, I prided myself on using no-fee credit cards that offered a small amount of cash back on purchases. But I changed my mind once I started traveling more and learning about the perks some credit cards offered.

I dove in head first. This year I've spent about $1,300 on annual fees. Most of the fees are worth every penny and have easily paid for themselves, though there are some I'm not sure about. 

Here are my favorite travel card perks , plus a few I've enjoyed but would be OK losing.  

I love having airport-lounge access and travel upgrades

My American Express Business Platinum comes with a hard-to-swallow $695 annual fee, but the perks have more than outweighed the cost. For context, I'm a freelance writer and use this card for expenses associated with my business, but American Express offers a personal version that's very similar.

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I've used this card's benefits to get CLEAR and Global Entry , both of which have helped me speed through security lines at airports. It got me an automatic upgrade to Hilton Honors Gold elite status, which has scored me free breakfast and room upgrades throughout my travels. 

However, my favorite perk of this card is my free Priority Pass  membership. With it, I've gained access to several airport lounges for myself and up to two travel companions, usually my children.

This benefit alone has saved me hundreds of dollars since I no longer have to buy pricey food at the airport — most lounges offer plenty of it for free. Plus, lounge access has made long travel days and layovers so much easier. I wish I had gotten this card sooner. 

Being able to avoid foreign transaction fees has saved me a lot of money

The first credit card I applied for with an annual fee is the Chase Sapphire Preferred® Card , which has a $95 annual fee. Many of my cards charge up to 3% for every transaction made in a currency other than US dollars, but this one doesn't. 

Foreign transaction fees can add up quickly, even on a short trip. Because I take a couple of international trips a year, the $95 annual fee more than pays for itself. 

The Chase Sapphire Preferred® Card also has other money-saving perks for travelers I like, including competitive travel insurance and car-rental insurance for trips charged to the card. 

Although my Amex Business Platinum also provides fee-free foreign transactions and travel insurance, American Express isn't as widely accepted internationally. I've had Chase credit cards accepted almost everywhere I've traveled so I will keep this one in my wallet. 

I paid several hundred dollars to get an Amex Gold, but I got points galore 

I applied for an American Express® Business Gold Card card when the company ran one of its rare promotions offering 150,000 points as a sign-up bonus. The card's $375 annual fee is high, but the generous sign-up bonus more than made up for it for me.

I have several international trips planned this year, and I expect that the 150,000 points I plan to redeem for airline tickets will easily save me at least triple the annual fee. For example, a ticket on a flight I'm eyeing to New Delhi from Washington, DC, costs $1,488 and is 148,000 points.

With this card, I also receive monthly statement credits — up to $20 a month — offsetting more than half of the annual fee I paid. However, it's a pain to keep track of earning the monthly credit, and the card's other benefits aren't that valuable to me.

I probably won't keep this card for a second year since American Express offers a personal version of it with similar perks and a lower annual fee.

Priority boarding has been nice, but not quite worth the price

I'm a frequent flyer on United but have never accrued enough points to gain status with the airline. To get more perks on United, I applied for a United℠ Explorer Card card, which doesn't charge an annual fee for the first year ($0 intro for the first year, then $95 annually in subsequent years). 

My favorite perk of this card is priority boarding. Combined with other perks like single-entry passes to United Club lounges and free checked bags, I thought this card was a good value. 

However, I now get lounge access and credit for checked bags with my Amex Business Platinum , and I don't think priority boarding is valuable enough to make up for the annual fee. 

I would also rather earn points that can be transferred to several airlines and hotels rather than being locked into United. I plan on canceling this card when the next annual fee comes due, but I might reapply if I find that I miss priority boarding a lot. 

For rates and fees of The Business Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

Watch: Marketing leaders have to help their companies keep pace with the rapidly changing worlds of their customers, says Elizabeth Rutledge, CMO of American Express

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