westpac global travel card

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Global Currency Card.

Load up to nine foreign currencies and shop like a local while you’re overseas or shopping online.

• Load up to nine currencies for spending.
• Lock in exchange rates¹ so you know exactly how much you have to spend.
• No card issue fee, no monthly fee and no bank transfer load fee².
• Load and switch money between currencies online, anytime, anywhere³.
• Fast and convenient contactless payments.

24/7 global emergency assistance

Accepted at millions of locations.

Use your card at millions of Mastercard® global locations - in store, ATMs as well as online 4 .

Get a card in 5-10 days

Applying online takes a few minutes and your card will be delivered within five to ten business days.

Load it instantly

Use your Westpac Debit Mastercard to load your Global Currency Card instantly 5 .

Fewer fees.

Apply for a card., apply online.

Get a Westpac Global Currency Card in minutes. You’ll need to have your New Zealand passport or driver licence to hand.

Activate card

Set-up your Global Currency Card so you can shop like a local.

Things you should know.

1 The exchange rate for each load/reload is locked in at the prevailing exchange rate at the time of the transaction. Mastercard will notify customers via the website of the rate that will apply at the time they request the load/reload. Westpac accepts no liability for losses suffered as a result of it converting currencies and any exchange risks from the conversion of currencies is the responsibility of the account/deposit holder. The information on this page and terms, conditions and pricing for foreign currency accounts may vary from time to time.

2 Other fees and limits apply.

3 Fees and charges may apply.

4 Excludes offline merchants, please see our FAQs on Card Acceptance for more information. Some ATM operators may charge their own fees and set their own limits. Domestic ATMs have a withdrawal fee of NZD$4.

5 Debit card loads will incur a fee of 1.5% of load amount.

The Westpac Global Currency Card is an unsecured debt security issued by EML Payment Solutions Limited (“EML”), arranged by Mastercard Prepaid Management Services (NZ) Limited and is distributed by Westpac New Zealand Limited.

All obligations in relation to money deposited on a Westpac Global Currency Card are obligations of EML. The Westpac Global Currency Card is not guaranteed by EML, the Westpac Group, the Mastercard Group or any other entity. The Westpac Global Currency Card is issued subject to the terms and conditions which are available below.

A Product Disclosure Statement and Supplementary Product Disclosure Statement for the Westpac Global Currency Card are available below. Mastercard Prepaid Management Services (NZ) Limited and Westpac New Zealand Limited will receive commission payments as a result of the arrangement. Information has been prepared without taking into account your objectives, financial situation or needs and you should consider the appropriateness of the information about the Westpac Global Currency Card facility before making any decisions about whether to acquire or continue using the prepaid facility.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Terms and conditions apply. See:

• Westpac Global Currency Card Product Disclosure Statement .
• Westpac Global Currency Card Supplementary Product Disclosure Statement.
• Westpac Global Currency terms and conditions .

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Westpac travel card review 2024

If you’ve planned a trip overseas, a dedicated travel money card can be a good way to make overseas spending easy and secure. Get the right card, and it could also mean you pay less overall, too.

Westpac offers its Global Currency Card which you can top up in NZD, and then convert to any of the 9 supported currencies for easy spending and withdrawals as you travel.

This guide covers the key benefits and fees of the Westpac card. Plus, we’ll also touch on a couple of popular alternatives for travellers from New Zealand, the ANZ debit card and the Wise travel money card, so you can compare them and see which works best for you.

Westpac travel card: key features

Westpac’s Global Currency Card is available to anyone aged over 18, resident in New Zealand, and with the right paperwork to get verified. There’s no fee to get a card – you just order online, top up to the minimum opening balance, and your card is sent to your home directly. The money you’ve put on your card is yours to spend – just add whatever you need for your trip, and you can then view and manage your balance via the Westpac app.

Before we look at how the Westpac travel money card works in detail, let’s get an overview of some of the Westpac travel card pros and cons:

Who is the Westpac travel card for?

The Westpac travel money card can be helpful in a broad range of situations:

• For anyone travelling to a country which uses one of the supported currencies
• For people who shop online in the supported currencies
• For travellers who want to load funds in advance and convert to the destination currency so they know their budget ahead of time
• For anyone looking to lock in exchange rates when they’re good – just add NZD and switch when you spot a good rate

What is the Westpac travel card?

The Westpac travel card is a multi-currency Mastercard which you can use to hold 9 different currencies, and for spending anywhere you see the Mastercard logo. You’ll be able to order your card online for home delivery, and can top up in NZD and convert in advance to the supported currency you need in your destination. It’s worth knowing that you’ll need to convert your funds in advance to avoid paying the 2.95% fee for spending a currency you don’t hold in your account.

There’s no fee to make an international ATM withdrawal with your card, and you can view and manage your card account online and in the Westpac app, making budgeting a breeze.

Is the Westpac Travel Money a multi-currency card?

Yes. The Westpac card supports the following currencies for holding and exchange:

• New Zealand dollars
• Australian dollars
• Pounds sterling
• Japanese yen
• Canadian dollars
• Hong Kong dollars
• Singapore dollars

You can also spend in other currencies, but you’ll pay a 2.95% fee when you do.

Alternatives to Westpac travel card

Westpac’s travel money card is a good option, but it doesn’t support all the currencies you might need if you’re headed off the beaten track. Plus, there are some fees to consider such as the 2.95% charge if you spend in a currency you don’t hold in your account already.

To check if the Westpac Global Currency Card is right for you it’s worth comparing it to a few other options available locally, such as Wise and ANZ.

Here’s a quick overview of how these providers line up on some key features:

Information taken from Westpac travel card desktop site and fee information , Wise pricing page , ANZ money transfers and ANZ New Zealand ; correct at time of writing, 27th July 2023

The Westpac travel money card can be convenient if you’re happy to convert over funds in advance of travel, and if you’re going to a country which uses one of the 9 supported currencies for holding and exchange. However, it’s worth comparing it to other cards to see if it’s the best for your particular needs, before you sign up.

The Wise card, for example, has a couple of advantages – you can hold a broader range of currencies, and there’s no need to convert your funds in advance. You can just leave your money in NZD and let the card automatically convert to the currency you need based on where you are, with the mid-market rate and low fees from 0.43%.

Alternatively if you bank with ANZ already you can just use your normal ANZ debit card when you’re spending foreign currencies with a relatively low 1.3% foreign transaction fee.

Wise digital multi-currency accounts can hold and exchange over 40 currencies, and the Wise card can be used for spending and withdrawals in 150+ countries. Open your account online or in the Wise app, and top up in NZD or any of the other 20 or so supported top up currencies. There’s no need to convert to your destination currency in advance if you don’t want to, as the card can do this for you with the lowest available fees every time. That said, if you want to set your budget in advance, or if you spot a really good exchange rate, you can also convert and hold in any of the 40+ supported currencies, making this a good card to pick even if you’re headed to a more unusual destination.

Wise travel card review

Get your Wise travel card  

ANZ recommends customers just use their normal debit card when spending on foreign currencies. This has the advantage that there’s no extra hassle or fee to get a new card – but the drawback that you’ll be charged a foreign transaction fee every time you spend. Your spending will be converted using the network exchange rate, and the foreign transaction fee is set at 1.3% of the transaction value.

Read more about 4 best travel debit card for overseas travel

Westpac travel card fees & spending limits

As with all financial products, there are some important fees to know about when you’re thinking of ordering a Westpac travel card. Here are the key limits to bear in mind as a starting point:

*Information correct at time of writing – 27th July 2023

And here are the key Westpac fees you’ll want to consider when you’re deciding if this is the card for you.

Exchange rates

Westpac exchange rates may include a markup, margin or fee. Exactly how this works depending on the type of conversion you need to carry out.

If you’re topping up your account in a currency other than NZD, the rate used will be the Mastercard rate + a margin which you’ll be notified of at the time of top up. This is likely to apply if you need currency conversion within your account, or when you cash out too. You’ll see the full terms and conditions when you start the transaction, so you can double check the costs.

Once you have currencies in your account it’s free to spend them. However, if you’re spending in a currency other than one of the 9 supported currencies – or if you don’t have enough balance in your account in a specific currency to cover a purchase or withdrawal, a 2.95% conversion fee will apply on top of the Mastercard rate.

How to get Westpac travel card

You can apply for your Westpac travel card online. Here’s how to get a Westpac travel card, step by step:

• Open the Westpac Global Currency Card website and click Apply Now
• Follow the prompts to enter your personal and contact information
• Complete the verification step with your New Zealand passport or driving licence
• Top up at least the minimum opening balance amount
• Your card will be dispatched in 5 to 10 days, and will arrive by mail

What documents you’ll need

There’s a verification step needed when you order a Westpac travel money card. This is to keep accounts safe and comply with local and international law. Generally getting verified is very easy. In the first instance you’ll be prompted to enter information from either:

• Your New Zealand passport
• Your driving licence

Mastercard will then look to match your information with ID records. If this can’t be done – because you’ve changed your name or recently moved home for example – you can use your AA membership. If you’re still struggling with the verification process, you can email a copy of your relevant ID to Mastercard for manual verification. This should take just a couple of days.

What happens when the card expires?

Your Westpac card has 5 years validity. Once your card expires you’ll need to order a new one online, and can apply to have any residual balance moved from the old card to the new one for spending. If you don’t want to get a new card, you can also cash out the amount, minus any applicable fees.

How to use the Westpac travel card?

You can use your Westpac card anywhere you see the Mastercard logo. You’ll be able to tap to pay wherever contactless payments are supported, or use your physical card and PIN. Your card will check if you have a balance in the required currency. If you do not, your account will be debited according to a preset order of currencies, and the conversion fees will apply.

How to withdraw cash with the Westpac travel card?

Make cash withdrawals at ATMs globally that support Mastercard. You’ll need to enter your PIN to get cash, for security reasons. It’s also good to know that while there’s no Westpac fee for international ATM withdrawals, an ATM operator might charge a fee which Westpac doesn’t control. Local NZD withdrawals cost 4 NZD each.

Is the card safe?

Yes. The Westpac card is issued through Westpac and Mastercard – both large, well reputed and trustworthy providers. In fact, using a travel card can be a safe way to manage our travel money because it’s not linked to your everyday account, and you won’t need to carry lots of cash when you’re overseas, either.

How to use the Westpac travel card overseas?

Use your Westpac travel card overseas in the same way as you would any other payment card. Contactless is supported where the technology is available, or you’ll have a Westpac PIN to make POS payments and withdrawals as needed.

It’s important to remember that a fairly high fee of 2.95% applies to spend currencies you don’t hold – or if your balance in a particular currency isn’t enough to cover a transaction. Top up enough in advance and switch to your destination currency to avoid this fee.

Conclusion: Is the Westpac travel card worth it?

The Westpac Global Currency Card is a convenient option if you want a travel money card that’s distinct from your normal everyday account, and which lets you hold foreign currencies. You’ll need to order your card online, and top up in NZD before converting to the currency you need for your trip, to avoid the 2.95% conversion fee.

Compare the Westpac travel money card against alternative options like the Wise travel card and the ANZ debit card, to decide which is best for you. Wise has a broader range of currencies and offers automatic conversion at the point of payment, with low fees and the mid-market rate, while ANZ customers can spend globally with a fairly low 1.3% foreign transaction fee.

Westpac travel card review FAQ

How does the Westpac travel card work?

You can order your Westpac card online and add money in NZD before converting to the currency you need from the 9 supported currency options. You’ll then be able to spend and withdraw wherever you are. It’s free to spend in currencies you hold in your account, with a 2.95% fee to spend a currency you don’t have.

Is the Westpac travel card an international card?

Yes. The Westpac travel card can hold 9 currencies and can be used globally wherever Mastercard is accepted.

Are there any alternatives to a Westpac travel card?

Check out a few different options before you decide which travel money card suits you. The Wise card can be a good bet for frequent travellers, with 40+ supported currencies and low fees from 0.43% when you convert from one currency to another.

Westpac Global Currency Card Review

Travel money cards are a safe and convenient option for overseas travellers. Canstar breaks down everything you need to know about the Westpac Global Currency Card.

While it’s straightforward to obtain foreign currency overseas, a quick trip to an ATM, or a currency exchange bureau, can leave you at the mercy of hidden fees and exchange rates. This is when a travel money card can be your friend. Travel money cards allow you to load up on foreign currency online wherever you are, so you can enjoy your holiday without the worry of sky-high exchange rates and fees.

What is the Global Currency Card?

Westpac’s Global Currency Card is a prepaid multi-currency travel card that allows users to spend like a local when travelling overseas or shopping online.

What can I use a Global Currency Card for?

You can use a Global Currency Card like any other travel money card. Load your Global Currency Card with NZ$ online using your debit Mastercard or bank transfer. From there you’re free to spend online or instore, anywhere that Mastercard is accepted.

Manage your Global Currency Card online, at any time. Load and switch between currencies from anywhere in the world, all without any bank transfer costs or monthly account fees.

Some key features of the Global Currency Card include:

• Pre-load up to nine different currencies
• Lock in exchange rates to avoid fluctuating conversion rates
• Obtain local currency from millions of Mastercard ATMs globally
• Contactless payment with Mastercard Tap & Go

How do I get a Global Currency Card?

Global Currency Cards are only available online, meaning you’ll have to apply through the Westpac website .

You’ll need your NZ passport or driver licence on hand, plus a Mastercard debit card to load up currencies. Or, you can use a bank transfer to pay for foreign currencies.

Once you have completed the application process and your information has been verified, Westpac will mail your Global Currency Card to you. The card should arrive within 5-10 business days.

You need to activate your Global Currency Card once it arrives. This can be done via the Westpac website .

Once your card has been activated and you’ve set a PIN, you can start spending.

Does a Global Currency Card cost to use?

There is no fee for the issue of your first Global Currency Card, and you can get a replacement card for free if your original card is misplaced or stolen.

However, there are some fees when using the card, including:

• 1.5% debit Mastercard load fee
• NZ$4 domestic ATM withdrawal fee
• Currency conversion fees apply

See here for a complete list of fees and limits.

Compare Travel Money Cards with Canstar

Written by: Caitlin Bingham | Last updated: August 31, 2023

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Travel money cards with the lowest fees

We look at seven travel money cards from the big banks and airlines..

Prepaid travel money cards are offered by major banks, airlines and foreign exchange retailers like Travelex. Before travelling overseas, you load money into the card account, which locks in the exchange rate for foreign currencies at that time. 

You can then use the card for purchases and cash withdrawals just like a debit or credit card, usually wherever Visa and Mastercard are accepted. 

You can reload money on-the-go via an app or website, and if the card is lost or stolen, it can be replaced (usually at no cost to you).

Prepaid travel money cards also give you assurance that you're not handing the details of your everyday banking account to merchants you're not familiar with, and they provide easy access to cash when you want some, says Peter Marshall, head of research at money comparison website Mozo .

CHOICE tip: Travel money cards are best for longer trips. They're usually not worth your while if you're only taking a short trip, as some have closure, cash out and inactivity fees.

Travel money card fees

A major difference between prepaid travel cards and debit or credit cards is their fees. Some costs aren't immediately apparent, such as hefty margins built into the exchange rates.

And although fees have come down since we looked at these cards two years ago, you still need to watch out for:

• fees to load the card – either a percentage of the total or a flat fee
• ATM withdrawal fees
• a cross currency fee or margin when you use the card in a currency you haven't preloaded
• further fees if you close the account or haven't used the card for a period of time.

Travel money card with the lowest fees and best exchange rate

Westpac worldwide wallet.

Westpac closed its Global Currency Card in July 2021 and offers its new card in partnership with Mastercard.  It's also available from Bank of Melbourne and BankSA.

Currencies: AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, ZAR.

Key features:

• No loading, reloading, closing or inactivity fees.
• Free to use it in network ATMs in Australia and partner ATMs overseas in a range of countries including the UK, US and New Zealand.
• A charge applies at non-Westpac and non-partner ATMs in Australia and overseas.
• Best exchange rates for the US dollar, the Euro and GBP in our comparison.*
• The only card that lets you preload the South African rand.

Other travel money cards

Next to the Westpac Worldwide Wallet, there are six other travel money cards available.

Australia Post Travel Platinum Mastercard

Available online or at post offices.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED.

• Fee to reload the card via BPay, debit card or instore, but free via online bank transfer.
• Closure fee.
• Fees for ATM withdrawals in Australia and overseas.

Cash Passport Platinum Mastercard

It's issued by Heritage Bank and is available online and from a number of smaller banks and credit unions (like Bendigo Bank and Bank of Queensland) as well as travel agents. 

• Fee to reload with a debit card or instore, but free via BPay.

CommBank Travel Money Card

CommBank Travel Money Card (Visa)

As NAB and ANZ have closed their travel money cards, this is the only other travel money card available from a major bank. This card has the largest variety of currencies that can be preloaded.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED, VND, CNY.

• Fee if you make a purchase with currencies not preloaded.
• Fee for withdrawals at overseas ATMs.

Qantas Travel Money Card

Qantas Travel Money Card (Mastercard)

The only travel money card offering from an airline. It can be added as a feature to your Qantas Frequent Flyer card, so you don't need a dedicated card, and you can earn points using it.

• Free to reload via bank transfer or BPay, but there's a reload fee if using debit card.

Travelex Money Card

Travelex Money Card (Mastercard)

Travelex is an international foreign exchange retailer. In Australia, it operates more than 140 stores at major airports and shopping centres, across CBDs and in the suburbs. It was the card with the best exchange rate for New Zealand dollars.*

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD.

Fees : 

• Load fee instore, but free via Travelex website or app.
• Reload fee instore or via BPay, but free via Travelex website or app.
• Closure fee and monthly inactivity fee (if not used for 12 months).

Travel Money Oz Currency Pass

Travel Money Oz Currency Pass (Mastercard)

The Travel Money Group is owned by Flight Centre and is a foreign exchange retailer. 

• Reloading the card via an online bank transfer or instore is free, but there's a fee if you reload via BPay, debit card or credit card. 
• Cash out (closure) fee. 

Travel money card tips

• Make sure the card allows the currencies you'll need, and also consider stopovers. For example, the South African rand is only supported by the Westpac card.
• Try to load your card with the right currencies and amounts on days with good exchange rates. 
• Make sure you know how to reload your card if you run out of funds while overseas.
• It may be more convenient to choose a card that has an app that can be linked to your bank account.
• Avoid loading more money than you'll need as there may be fees and exchange rate margins to get the unused money back.
• Remember to cancel the card once you're finished your trip, especially if it has inactivity fees.
• Be mindful that you still may need a credit card, as travel money cards may not be accepted as security for hotels and car rental agencies. 

Stock images:  Getty, unless otherwise stated.

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Westpac Global Currency Card

Limits and fees, exchanges rates.

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• Mastercard launches mobile virtual card app to simplify travel and business expenses

HSBC and Westpac to unlock the convenience, security and efficiency of tap to pay transactions   

Mastercard announced a new mobile virtual card app that enables virtual commercial cards to be seamlessly added to digital wallets. The innovative app is designed to offer financial institutions more choice in how they deliver the secure and sustainable contactless payment solutions that companies increasingly expect.  

For over a decade, Mastercard has pioneered virtual card solutions to simplify tedious expense report and reconciliation processes for employees, contractors, recruits, and consultants who often use personal cards or cash for reimbursable business expenses. As companies navigate changing payment preferences particularly from the entry-level workforce – with over two-thirds of millennials having adopted digital wallets 1 – mobile technology is unlocking the next frontier of convenient contactless payments.   

“Businesses worldwide are seeking fast and secure payment experiences, where payments can be made with just a click or tap, and finance teams can experience automatic reconciliation,” said Chad Wallace, global head of Commercial Solutions, Mastercard. “With today’s launch, we’re providing innovative tech that digitizes business and travel expenses, while also empowering businesses with more control of and visibility into their finances.”  

The app leverages Mastercard’s innovative virtual card and tokenization platforms, enhanced data, and robust spend controls all within one easy-to-use interface. Accessing Mastercard mobile virtual cards is made seamless through the app so users can quickly experience the benefits of tap to pay. Mastercard mobile virtual cards can be used by organizations spanning a range of sizes and industries – including healthcare, insurance, fleet, higher education, and corporate travel.  

Key capabilities and benefits of Mastercard’s mobile virtual card app include:  

• Increased security : The app offers the ability to set up a biometric authentication and an added security measure using a PIN to view card details. Each virtual card is also tokenized, enabling the cardholder’s sensitive data to be replaced by a unique card number so sensitive account details are not exposed.  
• Robust spend controls: Organizations can confidently stay compliant with expense policies using Mastercard’s transaction-level controls, which limit how, where, and when a mobile virtual card can be used. 
• Flexible integrations: Financial institutions can quickly get to market through Mastercard’s user interface or flexible API-based integrations, and offer unique features such as customized card art.  
• Holistic and seamless payment experience: The app provides a single interface to check the status of card balances and view pending and completed transactions, and is bank-agnostic, enabling users to access and manage virtual commercial cards issued by multiple participating financial institutions.  
• Real-time and enhanced data: For each mobile virtual card created, custom data elements are automatically captured and matched to the transaction, providing organizations with increased insights into spending and automatic reconciliation to optimize back-office processes. 

HSBC Australia and Westpac will be the first financial institutions to offer organizations and corporate customers mobile wallet functionality through the Mastercard app.    

“We’re pleased to partner with Mastercard to bring mobile wallet virtual cards to our Australian corporate clients, providing them with a smarter, safer, and faster way to pay,” said John Scott, Head of Global Payments, HSBC Australia. “Mobile wallet usage is growing, with the Asia-Pacific region accounting for over half of the digital payment transactions globally 2 . As contactless payments continue to surge, it’s important that corporate clients have access to best-in-class payment solutions to keep their business secure and take advantage of the increased efficiency offered by the latest technologies. HSBC has a history of delivering innovative digital solutions to our corporate clients, and we’re proud to add to that legacy with the launch of mobile wallet virtual cards in Australia. We plan to launch in other markets later this year.” 

“Westpac is pleased to be one of the first domestic banks in Australia to offer the new Mastercard mobile virtual card app to our corporate and commercial customers in addition to our existing virtual card capabilities. The global payments market is at an inflection point and the mobile wallet solution, combining digital innovation, real time processing and security through robust controls is another way we’re helping our customers,” said Jeff Byrne, Managing Director of Global Transaction Services at Westpac Institutional Bank. 

The app will be available in other key markets for users with a commercial virtual card issued through an organization by a participating financial institution. Once registered for the app with an invitation code, users will find their commercial virtual cards automatically linked and ready to be added to select digital wallets for use across Mastercard’s trusted global network.  

For more information on other ways Mastercard is simplifying commercial payments, click here .  

1 PYMNTS Research: “Mobile Wallet Challenge: Replacing Physical With Digital,” (April 2023)  

2 “Global Mobile Payment Methods 2024 Report” (January 2024)  

Disclaimers:  

Mastercard In Control Pay app and features are available only for eligible virtual card accounts issued by the financial institution. Prepaid Cards and Consumer Cards are not eligible. The virtual card(s) are not issued by Mastercard and is (are) subject to the terms and conditions of the relevant issuer.  

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Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.

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Westpac maintains branches in regional australia.

1 May 2024 Westpac is extending its moratorium on regional branch closures until at least 2027 while it strengthens regional banking services. “Westpac has been in Australia for over 207 years. We know regional communities play a critical role in Australia’s economy, and we want to make sure we are there to support them,” said Jason Yetton, Westpac Chief Executive, Consumer. “We’ve heard the feedback from customers about the impact of branch closures in the bush and understand they face many challenges such as limited internet connectivity and increased travel times to their nearest branch. “Thats why we’ll be investing more than $150 million in our branch network over the next two years. This commitment will support more than 2.2 million customers and 1,000 employees who live and work in 182 regional areas and means we continue to give customers who prefer to do their banking in branch access to face to face service for their banking needs and cash transactions.  “With many regional areas being thriving business and job hubs, this also benefits our small and agri business customers who have built strong relationships with our bankers who live and work in the area, and understand the local business landscape. “At the same time, we’ll work with our partners and local governments to improve regional services and the connection between our branches and local communities. We’ll also look to invest in services where there is a growing customer need, including increasing business bankers,” said Mr Yetton. Westpac’s partnership with Australia Post is critical to regional Australia and its service network. With 96 per cent of Westpac customers living within 20kms of a Bank@Post, this partnership provides cash services to 1,800 communities in rural and regional areas. “We’re investing more than $200 million over 10 years in our partnership with Australia Post. This allows customers to perform the majority of cash and cheque transactions at a Bank@Post,” said Mr Yetton. “Bank@Post remains an important part of how we deliver banking services to regional areas, so we’re continuing to work with Australia Post to bolster these services for customers and small businesses.” Westpac will continue its co-location program, which brings two brands and customer service teams together under one roof. These co-located branches allow Westpac to invest and stay in communities. “Our co-locations have been well received by customers in 100 locations nationally, including 39 in regional areas such as Dubbo, Toowoomba and Port Augusta. We are continuing to look for opportunities to deliver an additional 40 co-locations across Australia, bringing the total number of co-located branches to 140 by 2027,” said Mr Yetton. “Our customers also have the choice and convenience of visiting any of our branches to make cash transactions, regardless of whether they bank with Westpac, St.George, BankSA or Bank of Melbourne. This means customers can visit the closest branch to where they live or work. Over 115,000 customers have benefited from this technology since it was rolled out in September 2023.” Expanding access to digital Westpac customers are increasingly turning to digital channels to do their banking. Westpac data shows an 11 per cent increase in virtual banking, with 5.92 million customers using Westpac’s banking apps and online platforms. As part of this pause, Westpac will continue to educate customers on the benefits of its 24x7 digital banking solutions to help address the barriers to digital inclusion in regional Australia, while also expanding its virtual service offering. From the comfort of their home or office, customers can use this service to connect with banking specialists, as well as via a branch. “Whether it’s a small business choosing tap to phone to take payments at the markets or a farmer managing invoices from their tractor via our app, the way our regional customers are choosing to bank has changed, with many preferring the ease of having a bank in their pocket,” said Mr Yetton. “Our bankers and branches have a significant role in the digital transition. We’ll continue to expand these capabilities using the deep local knowledge and expertise of our regional teams by exploring if there is an opportunity to transform some branches into locations that can provide face to face service as well as virtual banking support for other regions,” he said. Ways to bank with Westpac

• Multi-brand network . Westpac, St.George, BankSA and Bank of Melbourne customers can access over 500 locations across Australia for cash transactions following the rollout of technology which connects Westpac’s branch network.
• Australia’s largest fee free ATM network . Westpac, St.George, BankSA and Bank of Melbourne personal and business transaction account customers can access fee free ATM withdrawals and balance enquiries at almost 2,000 locations in regional Australia including atmx, Precinct and any big four bank ATM, and over 6,700 nationally.
• Australia’s #1 banking app 1 . Westpac customers can access a suite of money management features that allow them to stay on top of their finances by setting savings goals, creating personalised budgets, and tracking income and expenses.
• Virtual banking . Connects customers over the phone or through video with our bank specialists across the country, whether it’s related to everyday banking, finding out more about a home loan, or getting support to manage the next steps for their business.
• Bank@Post . Westpac, St.George, BankSA and Bank of Melbourne customers have access to  around 3,400 locations across Australia for cash transactions, including 1,800 in regional Australia.
• Remote Services Team and Indigenous Call Centre . Dedicated teams that provide essential non-cash banking service and support, including visiting more than 30 communities in rural and remote locations each year. Customers can call 1800 230 144 Monday to Friday 9am – 6:30pm CST for support.

Notes to editor:

This announcement relates to Westpac, St.George, BankSA and Bank of Melbourne branches in regional areas defined by the Australian Bureau of Statistics’ Australian Statistical Geography Standard Edition 3 . It is an extension of Westpac’s year-long moratorium on regional branch closures announced in February 2023.

1  The Forrester Digital Experience Review™: Australian Mobile Banking Apps, Q4 2023

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Best Travel Credit Cards for Beginners of May 2024

5 best beginner travel credit cards in 2024, best overall: chase sapphire preferred® card.

Why we chose it: The Chase Sapphire Preferred® Card is a great starter travel card with elevated rewards on travel and dining, lots of options for redeeming your points and a suite of useful travel protections—all wrapped up in a $95 annual fee. Read our Chase Sapphire Preferred Card Review .

• Competitive rewards rates on travel and dining
• Many rewards redemption options, transfer partners and Chase Travel portal bookings
• Offers most of the basic travel protections you’ll need
• No Priority Pass lounge access
• Has an annual fee
• Subject to Chase’s unofficial 5/24 rule—you likely won’t be approved if you’ve opened more than five credit cards from any issuer in the past 24 months

Best for Simplicity: Capital One Venture Rewards Credit Card

Capital one venture rewards credit card.

After spending $4,000 in first 3 months from account opening

Why we chose it: Earning 5X miles on hotels and rental cars booked through Capital One Travel and 2X miles on everything else, the $95-annual-fee Capital One Venture Rewards Credit Card has no complicated rewards structures to keep track of. You can transfer your miles to travel partners or redeem them for statement credit against travel purchases. Read our Capital One Venture Card review .

• 2X flat rewards rate offers simplicity
• Good selection of transfer partners
• Current welcome bonus is competitive
• No bonus rewards categories besides Capital One Travel bookings
• Non-travel reward redemptions offer significantly less value
• Travel protections are less robust than the Chase Sapphire Preferred

Best for Premium Perks: Capital One Venture X Rewards Credit Card

Capital one venture x rewards credit card.

Why we chose it: If you want Priority Pass lounge access and other premium travel perks, the Capital One Venture X Rewards Credit Card is one of the most affordable ways to get it. The value from a $300 annual credit for travel booked through the Capital One Travel portal brings the $395 annual fee down to effectively $95—the same price as a mid-tier travel card—if you can fully use the credit. Read our Capital One Venture X card review .

• Priority Pass and Capital One lounge access
• Generous travel credits
• 10,000-mile anniversary bonus
• Annual travel credit limited to bookings made through the Capital One Travel portal
• $395 annual fee

Best for Travel Rewards on Everyday Spending: Citi Premier Card

Citi premier® card.

After spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com

Why we chose it: The $95-annual-fee Citi Premier® Card offers elevated rewards on everyday spending categories like groceries and gas, allowing you to rack up points from your regular spending and then transfer them to Citi’s hotel and airline partners. Read our Citi Premier Card review .

• Bonus rewards for restaurants, supermarkets, gas stations, air travel and hotels
• Can transfer points to travel partners
• Annual hotel savings benefit
• No travel protections
• $100 hotel savings benefit requires booking through Citi’s travel portal
• Few travel benefits

Best for Business Owners: Ink Business Preferred® Credit Card

Why we chose it: The Chase Ink Business Preferred® Credit Card, which operates within the same ecosystem as the consumer-facing Chase Sapphire Preferred, is Chase’s main business travel card. For a $95 annual fee, you’ll get a large welcome bonus, travel protections and good rewards rates on several business-related bonus categories. Read our Chase Ink Business Preferred® Credit Card review .

• High welcome bonus
• Various travel and purchase protections
• 25% redemption bonus on travel booked through Chase Travel
• Must have a business to qualify
• High spending threshold to earn welcome bonus
• Rewards are lackluster if your business’s main expenses fall outside of the bonus categories

A Closer Look at the Best Starter Travel Credit Cards

Best overall: chase sapphire preferred card.

Why we love this card: For a modest annual fee, the Sapphire Preferred offers all the basics you’d want in a travel card. From good rewards rates on travel and dining to robust travel protections to a lineup of valuable hotel and airline transfer partners, the Sapphire Preferred has it all. You’ll also get a 25% redemption bonus when redeeming your points through the Chase Travel, meaning each point is worth 1.25 cents. And, you can pool points from multiple Ultimate Rewards-earning cards in one account—so if you have a cash-back card like the Chase Freedom Flex℠ , you can transfer your points to the Chase Sapphire Preferred to access the transfer partners.

Who should have this in their wallet: Most travelers will benefit from this card, but especially travel card beginners. The wide range of redemption options, including both travel and non-travel options, make it easy to spend your points even if you’re not ready to dive into the complicated world of transfer partners.

Other cards to consider: If you’re looking for more premium benefits (like airport lounge access) but want to stay within the Chase ecosystem, consider the Chase Sapphire Reserve® . If you want a similar mid-tier travel card in a different rewards system with different transfer partners, the Capital One Venture Rewards Card is a good choice.

Why we love this card: The Capital One Venture is the closest alternative to the Chase Sapphire Preferred for anyone who wants a mid-tier travel card. Its 2X flat rewards rate on all purchases outside of hotels and rental cars booked through Capital One Travel (which earn 5X miles) is simple to keep track of. The Venture’s travel protections are slightly less robust than the Sapphire Preferred’s, but still enough to meet most needs. It also currently offers one of the highest welcome offers compared to other mid-tier travel cards.

Who should have this in their wallet: This card is perfect for anyone who wants a mid-tier travel card with flat-rate rewards or is looking for one of the biggest welcome bonuses on a sub-$100-annual-fee card.

Other cards to consider: Those who want a tiered rewards system may prefer either the Chase Sapphire Preferred or Citi Premier, while those looking for premium perks and lounge access will be better off with the Venture X.

Why we love this card: The Capital One Venture X is one of the most economical ways to get perks like airport lounge access and fee credit towards TSA PreCheck or Global Entry. The card’s $395 annual fee is significantly lower than two of the most popular premium travel cards, the Chase Sapphire Reserve with a $550 annual fee and The Platinum Card® from American Express at a $695 annual fee ( see rates and fees ). A $300 annual travel credit for bookings made through the Capital One Travel portal, as well as 10,000 bonus miles each anniversary, reduce the effective cost further. See how the Venture X stacks up against The Platinum Card .

Who should have this in their wallet: If you want Priority Pass and Capital One lounge access for the lowest annual fee, this card is the best way to get it. It’s also a good choice for anyone who wants an upgraded version of the regular Venture card, with better travel protections and more perks.

Other cards to consider: The Chase Sapphire Reserve and The Platinum Card from American Express also offer lounge access for higher annual fees. But each of these cards offer additional benefits that the Venture X doesn’t and have different rewards systems with different transfer partners. Check out our guide on the Venute X vs. Sapphire Reserve .

Why we love this card: There aren’t many travel cards that earn elevated rewards on everyday spending categories like groceries or gas, and cash-back cards that earn bonus points in those categories typically don’t have access to airline and hotel transfer partners. The $95-annual-fee Citi Premier offers the best of both worlds with its 3X points on airlines, hotels, gas stations, restaurants and supermarkets paired with a good selection of transfer partners.

Who should have this in their wallet: This card is great for anyone looking to rack up points with everyday spending and transfer them to Citi’s hotel and airline partners.

Other cards to consider: The Citi Premier’s lack of travel protections means you’ll likely want another travel card in your wallet, even if you primarily earn and spend points with the Premier. The Chase Sapphire Reserve and Capital One Venture X are both great ways to meet your travel insurance needs.

Best for Business Owners: Ink Business Preferred Credit Card

Why we love this card: Business owners looking for travel rewards will find a lot of value in the Chase Ink Business Preferred. For a $95 annual fee, you can earn a 100,000-point welcome bonus (after spending $8,000 on purchases in the first 3 months after account opening), travel protections and elevated rewards on common business spending categories. These include: shipping; advertising purchases made with social media sites and search engines; internet, cable and phone services; and travel. You can redeem your points for cash back, partner transfers and more. You’ll also get a 25% bonus when redeeming for travel through Chase Travel.

Who should have this in their wallet: Business owners who spend a lot in the card’s bonus categories and can meet the spending threshold for the impressive welcome bonus will find a lot of value in this card.

Other cards to consider: The Capital One Spark Miles for Business ($0 intro annual fee for the first year, then $95 after) and Capital One Spark Miles Select for Business (no annual fee) offer flat-rate rewards in a different ecosystem for a similar or lower price.

What Is a Travel Credit Card and How Do They Work?

A travel credit card is a credit card with features tailored to people who travel. They typically have higher rewards rates on travel purchases, earn rewards that can be redeemed for free travel through a travel portal or through airline or hotel loyalty programs and come with travel protections and travel-related perks like airport lounge access . They also generally don’t charge foreign transaction fees, making them great for international travel.

Travel credit cards can typically be split into two types: general travel cards and co-branded hotel and airline cards. General travel cards like the Chase Sapphire Preferred or the Capital One Venture earn rewards in their respective issuers’ rewards ecosystems—in this case, Chase Ultimate Rewards and Capital One Miles, respectively.

Your redemption options are set by the issuer and typically include the option to transfer your points to partner hotel and airline loyalty programs. The exact partners available depend on the card, but you’ll usually have quite a few options. The main benefits associated with these cards are typically not tied to any specific hotel or airline.

Co-branded cards are issued by a partnership between a credit card issuer (like Chase or American Express) and a specific hotel or airline (like Hyatt or Delta Air Lines). These cards usually earn rewards directly in the hotel or airline’s own rewards currency—World of Hyatt points for a Hyatt card, Delta SkyMiles for a Delta card, and so on. Their benefits also tend to be tied to the hotel or airline and may include perks like free checked bags or elevated status.

How to Choose the Best Beginner Travel Credit Card for You

To help sort through all the options, here are the most important factors you should look for when choosing a starter travel card:

Many travel credit cards charge an annual fee ranging from just under $100 to upwards of $500. Cards with a higher annual fee tend to offer better rewards or more benefits.

An annual fee can often be worth it if you can use most or all of a card’s benefits. But if you don’t travel a lot or don’t want to commit to an annual fee, start with a no-annual-fee card and upgrade later if you have the need for more or better features.

Rewards Rates

Many travel cards have tiered rewards, offering higher rewards rates on certain spending categories and a lower rate on all other purchases. To maximize your point earnings, choose a card whose award rates align with your normal spending habits.

For example, if you like to eat out a lot, look for a card that offers bonus points on dining . If you don’t want to think too much about maximizing rewards, you might prefer a simple flat-rate rewards card , which earns a flat rate on all purchases regardless of spending category.

Rewards Redemption Options

When it comes to redeeming rewards, not all credit cards are created equal. Some cards only let you redeem your points for cash back, statement credit or purchases through a travel portal. Others let you transfer points to airline and hotel partner loyalty programs, which you can then use to book award flights and award nights directly through the partner. Different cards have different transfer partners, and some have a greater selection than others.

Cash back and travel portals are easier to use, but point transfers typically give you much better value. Ideally, you should look for a card that offers both options. But if not, decide what’s more important to you—the option to quickly and easily liquidate your points for a fixed value, or the option to transfer points for the chance to get great deals on hotels and airfare if you’re willing to do some legwork.

Travel Protections and Benefits

Travel protections—like trip cancellation and interruption insurance, lost baggage insurance, or rental car insurance—reimburse you for some costs if things go wrong. Travel benefits—like airport lounge access or credits for a TSA PreCheck membership—upgrade your travel experience.

Most travel cards include some measure of travel protections and benefits, though the extent can vary from card to card. In general, cards with higher annual fees tend to have more or better benefits. When choosing a card, it’s important to consider what benefits you’ll actually use.

General vs. Co-Branded Card

In general, general travel cards provide more flexibility, while co-branded cards provide a quick way to rack up points within a specific loyalty program and benefits specific to a particular airline or hotel chain. Travel card beginners might be better off starting with a general travel card that gives them more options—especially if you’re still figuring out what you want from a travel card—unless you’re already loyal to a particular airline or hotel.

Other Travel Credit Card Alternatives

If you don’t want to open a dedicated travel credit card, here are some other options you should consider.

A Non-Travel Credit Card

At the end of the day, a travel card works just like any other credit card. If you already have a favorite cash back card , you can use it for travel purchases in addition to your everyday spending. For example, the following credit cards charge no annual fee and offer bonus categories that can cover all or some of your travel costs:

Although you might earn fewer rewards on travel purchases and have fewer travel protections, the convenience of using an existing card or the additional rewards in other categories may make it worthwhile.

For example, if your preferred form of travel is a road trip, a cash-back card that earns a lot on gas may be better than a travel card that earns more points on airfare. Just make sure that if you’re traveling internationally, you find a card without foreign transaction fees .

A Debit Card

Even if you have a credit card, you should always keep a debit card on hand for easy cash withdrawal without cash advance fees. But you can also skip credit cards altogether and pay for everything with a debit card when traveling.

This does have some downsides: you’ll generally earn fewer rewards , have fewer travel benefits and have fewer protections in the case of fraud. But for people who either can’t qualify for a credit card or don’t want a credit card for fear of getting into debt, a debit card is a perfectly fine option.

Frequently Asked Questions

What is the best travel card for beginners.

The best travel card for you depends on your spending habits, how you want to redeem your rewards, the annual fee you’re willing to pay and what travel protections or extra perks you value. But the Chase Sapphire Preferred is a well-rounded option with a modest annual fee that’s a good start for most travelers.

Is It Better to Use a Travel Card or a Debit Card?

When traveling, it’s typically better to use a travel credit card over a debit card—assuming you pay off your balance on time and in full every month so you aren’t charged interest or late fees. Travel credit cards offer rewards, travel protections and can be more secure than a debit card.

Do Travel Cards Charge Foreign Transaction Fees?

Foreign transaction fees are fees you incur when you use your card abroad or make a payment in a different currency and are typically charged as a percentage of the transaction. Many travel credit cards don’t charge foreign transaction fees, although you should check the rates and fees of your specific card to be sure. If you plan to travel abroad, it’s important to have a card without foreign transaction fees or you could rack up a lot of extra costs.

The post Best Travel Credit Cards for Beginners of May 2024 first appeared on Newsweek Vault .

What is Global Entry and why do you want it? Here’s how to get it nearly free

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.   

Global Entry is a government-run membership program that allows preapproved, low-risk travelers to use expedited security lines when returning to the United States from travel abroad. It’s one of several “trusted traveler programs” along with TSA PreCheck and NEXUS. Here’s what you need to know about how Global Entry works to help you decide if it’s worth it for you.

What does Global Entry do?

In the United States, Global Entry clearance speeds up the time it takes to get through the customs line when arriving from an international location. Instead of waiting in the typical long lines formed when multiple international flights arrive at the airport or a ship full of passengers disembarks at the port, those with Global Entry membership can check in at a designated kiosk or via the Global Entry mobile app, bypassing the need to wait in a queue.

How to get Global Entry

Global Entry is a Trusted Traveler Program run by the Department of Homeland Security’s U.S. Customs and Border Protection Department. Membership in this program is limited to U.S. citizens, U.S. legal permanent residents, and Mexican nationals. There are also some countries that have arrangements with the U.S. and the Global Entry program to help expedite entry and exit with those countries. You can find a list of currently participating partner nations here .

For those who fit the residency criteria, there’s a few steps to apply for a Global Entry card:

• Go to the Trusted Traveler website and create an account.
• Fill out the application. You’ll be asked a number of questions including your legal name, Social Security number, address and other identifying information.
• Pay a non-refundable application fee of $100. You can pay with a credit card or by electronic bank transfer. Some travel credit cards offer an application fee reimbursement if you charge it to the card. More on that below.
• Wait for an email from the Trusted Traveler system indicating your status has changed. This might typically take around two to three weeks, although some online users have reported faster results (and some, slower results). Once you receive notice that your status has changed, you can log into your account to see if you’ve received conditional approval or been denied. If you were denied, there will be a note indicating why. If you were conditionally approved, the next step is to set up an interview at an Enrollment Center. The Trusted Traveler site indicates this could take anywhere from four to six months. A quicker option if it aligns with your travel plans is the Enrollment on Arrival option. Those entering the U.S. from an international location with conditional approval to an airport with a designated U.S. Customs and Border Control Preclearance location can complete their interview at the airport by letting the agent know when it’s your turn to clear customs. Currently there are over 50 U.S. airports with Preclearance locations. However, you can only participate in Enrollment on Arrival if you’re returning from an international trip. Domestic flights or walk-ins are not eligible for this option. Also note that you’ll need your passport and an accepted document showing evidence of residency (such as your driver’s license, mortgage or rent statement, or utility bill). 
• Once you’ve completed your interview, it should take approximately two to four weeks to receive your physical card.

Do I need to carry my Global Entry card when traveling?

No, if you are flying, you do not need to carry your physical Global Entry card to use Global Entry in the airport. However, you do need to present your card if seeking expedited entry at SENTRI and NEXUS lanes coming into the U.S.

What’s the difference between Global Entry and TSA PreCheck?

Global Entry allows expedited entry into the U.S. from international locations and also includes TSA PreCheck membership—but is run by the U.S. Customs and Border Protection. TSA PreCheck expedites the security line process when departing from U.S. airports and is run by the Transportation Security Administration. Here’s a comparison of the two programs:

What is CLEAR?

CLEAR is a biometric technology company that is not a government-operated trusted traveler program but can provide expedited identity screening. CLEAR® Plus is the CLEAR program found at 55+ U.S. airports that allows its members to go through the security checkpoint process more quickly in a dedicated lane. TSA PreCheck is in more than 200 airports, although some airports will have both TSA PreCheck lanes and CLEAR lanes. Which one is faster will depend on various factors including how busy the airport is and how many people are in line for each.

Certain credit cards reimburse you for a CLEAR Plus membership, such as the American Express® Green Card —for an annual fee of $150, the Amex Green provides a yearly credit of up to $189 credit toward cost of CLEAR® Plus per calendar year. 

There’s also a free CLEAR membership option you can sign up for that can get you through security and into your seat more quickly at certain stadiums and arenas. 

All information about the American Express® Green Card has been collected independently by Fortune Recommends™ .

Are there other Trusted Traveler programs?

Yes, in addition to TSA PreCheck and Global Entry, other trusted traveler programs include:

• NEXUS: This program allows expedited air, vehicle and pedestrian entry into the U.S. and Canada, expedited marine entrance into the U.S. from Canada, and provides access to TSA PreCheck expedited security lanes at airports within the U.S. and U.S territories for U.S. citizens, U.S. lawful permanent residents, and Canadian citizens. There is a $50 application fee and NEXUS is good for five years once approved.
• SENTRI: This program allows expedited air, vehicle and pedestrian entry into the U.S. from Canada and Mexico for U.S. citizens, U.S. lawful permanent residents, and all foreign nationals. There is a $122.25 fee and SENTRI is good for five years once approved. SENTRI offers access to TSA PreCheck expedited security lanes at airports within the U.S. and U.S territories for U.S. citizens and U.S. lawful permanent residents.
• FAST: This program allows expedited entry for truck drivers entering and exiting the U.S. from Canada and Mexico who are U.S. citizens, U.S. lawful permanent residents, Canadian citizens, Canadian permanent residents, and Mexican nationals. There is a $50 fee and it’s good for five years. It does not include TSA PreCheck. 

Credit cards with Global Entry application fee reimbursement:

There are multiple travel credit cards that offer an up to $100 application fee reimbursement credit for you to apply for Global Entry or TSA PreCheck if you pay with the card. Some of the options include:

• Bank of America® Premium Rewards®
• Bank of America Premium Rewards Elite Card

Capital One Venture X Rewards Credit Card

• Capital One Venture Rewards Credit Card
• Chase Sapphire Reserve®
• Aeroplan® Credit Card
• Citi® / AAdvantage® Executive World Elite Mastercard®
• Delta SkyMiles® Platinum American Express Card
• Delta SkyMiles® Reserve American Express Card
• IHG One Rewards Premier Credit Card
• Marriott Bonvoy Brilliant® American Express® Card
• The Platinum Card® from American Express
• United SM Explorer Card
• United Club℠ Infinite Card
• United Quest℠ Card

To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page .

To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page .

To view rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, see this page .

To view rates and fees of the The Platinum Card® from American Express, see this page .

Intro bonus

Rewards Rates

• 10X 10x miles on hotels and rental cars booked through Capital One Travel
• 5X 5x miles on flights booked through Capital One Travel
• 2X 2x miles on everyday purchases
• Annual $300 travel credit and 10,000 Miles upon card anniversary make up for the annual fee
• Airport lounge access
• Capital One Miles require effort to maximize
• Limited cash redemption options

Other benefits

• Travel protections including car rental insurance, trip cancellation/interruption and travel delay protection
• Consumer protections including extended warranty and return protection

The takeaway

Global Entry reimbursement is an under-rated perk of many premium credit cards. The time you take upfront to go through the enrollment process could save you hours over the next decade.

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.  

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.  

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.