Credit Cards without Commissions for Traveling: Comparison 2026
Do they take more from you every time you pay abroad? Currency exchange fees can cost you between 3% and 5% of each purchase. With the right card, you pay exactly what you see. Here you have the best options.
The 5 best cards for traveling
1. Wise (formerly TransferWise)
- Exchange fee: 0.35% (the lowest in the market)
- Withdrawal fee: 2 free per month (after 1.75%)
- Accounts in 50+ currencies: You can have euros, dollars, pounds...
- Price: Free (you only pay for shipping the card)
Ideal for: Frequent travelers who want the best exchange rate.
2. Revolut
- Change fee: 0% up to €1,000/month (after 0.5%)
- Withdrawal commission: €200/month free
- Accounts in 30+ currencies: Instant exchange
- Price: Free (standard version)
Ideal for: Occasional travelers who spend less than €1,000/month abroad.
3. N26
- Exchange fee: 1.7% (not the best)
- No commission in euros: In the euro zone it is free
- Accounts in euros: No additional costs
- Price: Free (basic account)
Ideal for: Travel within the euro zone.
4. Caixabank
- Exchange fee: 0-2% depending on plan
- No commission in euros: In the euro zone
- Accounts in euros: No additional costs
- Price: Free with payroll
Ideal for: If you already have a Caixabank account.
5. Santander
- Exchange fee: 1.5%
- No commission in euros: In the euro zone
- Accounts in euros: No additional costs
- Price: Free with payroll
Ideal for: If you already have a Santander account.
Quick comparison
| Card | Change commission | Free withdrawals | Currency accounts | Price |
|---|---|---|---|---|
| Wise | 0.35% | 2/month | 50+ | Free |
| Revolut | 0% up to €1,000 | €200/month | 30+ | Free |
| N26 | 1.7% | Unlimited (euro zone) | 1 | Free |
| Caixabank | 0-2% | Unlimited (euro zone) | 1 | Free |
| Santander | 1.5% | Unlimited (euro zone) | 1 | Free |
How much you save with a card without fees
Let's say you spend €2,000 on a 2-week trip:
| Card | Commission | Actual cost |
|---|---|---|
| Normal card | 3-5% | 60-100€ |
| Wise | 0.35% | €7 |
| Revolut | 0% | €0 |
| Savings | 53-100€ |
Tips for using cards abroad
- Always pay in the local currency: Never accept "Money" from the dataphone
- Carry two cards: In case one fails or you are blocked
- Activate notifications: To know each charge at the moment
- Don't carry all the cash in one place: Distribute it
- Inform the bank: So that they do not block your card for "suspicious behavior"
Do you have any questions about these cards? Leave us a comment and we will help you choose the best one for your trip.
Advertisement