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What to know about prepaid travel credit cards
Prepaid travel cards are one more way to access cash while traveling the globe
Published: December 15, 2022
Author: Allie Johnson
Author: Dan Rafter
Editor: Brady Porche
Reviewer: Kaitlyn Tang
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Prepaid travel cards can make it easy to access cash while you’re traveling abroad, but remember that convenience comes with limitations.
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Finally ready to take your next international trip? Whether it’s a business meeting in Brussels or a foodie’s tour of Florence, you might consider packing a prepaid travel card for your trip.
Prepaid travel cards let you access cash in your destination’s local currency without the risk of using your debit card. They also let you avoid the high fees of credit card cash advances or the hassles of scrounging up traveler’s checks before you depart.
But, be careful — despite the convenience of prepaid travel cards, they come with their own set of fees and limitations (most notably ATM withdrawal and purchase amount caps that could put a damper on your vacation).
“A prepaid travel card is one tool in a diverse travel wallet,” said Julie Hall, internal communications manager for Hilton Grand Vacations and former public relations manager for AAA, in a previous interview. “It’s one of the most convenient ways to get money while traveling.”
Let’s take a look at everything you need to know about prepaid travel cards — from how they work to the pros and cons of using them for your travels.
- How do prepaid travel cards work?
Prepaid travel cards work much like general-purpose prepaid cards, except that they typically offer special features and perks designed for travel — which can vary based on the issuing bank.
In general, to use a prepaid travel card, you purchase the card and simultaneously load it with the funds you want to spend on your trip, up to the maximum amount allowed on the card. (For example, the PayPal Prepaid Mastercard® , a general prepaid card, allows a maximum balance of $15,000.)
Once you’ve arrived at your destination, you can use your prepaid card to make purchases directly (much like you would with a debit card). You can also use it at an ATM to get cash in that destination’s currency.
Depending on the card issuer, you’ll be able to log in to a mobile app or your online account to check the balance, review your purchases and see any any account charges.
- What are the benefits of a prepaid travel card?
Why not just take cash, your credit cards and your debit card the next time you travel to an international destination? Why would you also take a prepaid credit card?
If you lose your card, thieves only have access to the loaded cash
If a thief gains access to your prepaid card abroad, they’ll only have access to whatever funds are loaded onto the card (unlike debit cards, which can provide thieves access to your bank account, or credit cards, which a thief can charge up to a certain limit).
Further, the network through which a prepaid card is offered may provide a zero liability policy , though, overall, prepaid cards don’t offer the same breadth of protections as debit and credit cards (think chargebacks and fraud alerts).
More convenient than traveler’s checks
Prepaid travel cards also provide more convenience than, say, traveler’s checks (which, yes, still exist). Getting traveler’s checks before you go can be a hassle, and you might also be surprised at how many retailers across the globe no longer accept them. As a result, prepaid cards are often a better option than these paper checks.
- What are the drawbacks of a prepaid travel card?
Like most financial products, prepaid travel cards come with pros and cons. Here are some of the drawbacks of using one:
Foreign transaction fees, among others
Travelers should be wary of the fees connected to prepaid cards, as they can add up to a lot of money during an international trip. Many prepaid cards carry foreign transaction fees. Today, it’s far easier to find credit cards with no foreign transaction fees than to find prepaid cards without them.
Further, prepaid travel cards may also charge a card purchase fee, ATM withdrawal fee, higher foreign ATM withdrawal fee, inactivity fee and a fee to get any remaining balance back by check.
No help for your credit score
If you charge restaurant meals, souvenirs and tickets to a traditional credit card and pay your bill on time, your three-digit credit score will receive a boost. This doesn’t happen with purchases you make with prepaid travel cards, because your prepaid card activity isn’t reported to the national credit bureaus .
If you don’t keep track, you could run out of funds
If you’re used to swiping a credit card without much thought, there’s a chance a prepaid card could leave you high and dry when you go to make a purchase. Just be sure to keep tabs on the amount of money you’ve loaded — and spent — on your card.
Prepaid travel card tips
Prepaid travel cards do come with some potential hurdles. Here are some tips for avoiding the most common downsides of these cards:
- Check the fees associated with your card (or potential card): Prepaid cards can charge fees that existing debit and credit card holders aren’t used to, so it’s important to read the fine print before swiping. For example, the Netspend® Visa® Prepaid Card charges a $5.95 inactivity fee per month after the card has been idle for 90 days.
- Verify the card will work at your destination: Double-check with your issuer that your prepaid card will be accepted where you’re traveling. Even a card that’s designed for international travel might not work in specific locations due to restrictions from U.S. trade sanctions.
- Know the limits: Prepaid travel cards typically have limits that could throw a wrench into your trip if you don’t understand them ahead of time. For example, some cards can have a daily reload limit as low as $500 (or as high as $7,500, in the case of the Netspend Visa card). Again: Be sure to read through your card’s fine print before embarking.
- Avoid holds at all costs: In a sense, prepaid travel cards work like debit cards. Be sure to avoid using a prepaid travel card to reserve a hotel room or a rental car, which can trigger a hold that could tie up hundreds of dollars of your cash for a week or longer. Instead, use a credit card to reserve these items, then use your prepaid card to pay the final charges.
Should you use a travel credit card instead?
If the drawbacks of a prepaid travel card outweigh the benefits, you might be better off signing up for a travel credit card or using one you already have as your primary payment method while traveling.
Travel credit cards almost always have zero fraud liability, which can set your mind at ease in the event your card is lost or stolen . They also let you earn rewards for your spending, and many offer purchase and trip protection and have no foreign transaction fees. Some even offer perks such as access to airport lounges where you can get complimentary food and drink. And, depending on your credit limit, you may have more spending power with a credit card than a prepaid card.
That said, they can also have pitfalls. Not all travel credit cards are accepted in all countries. For example, Visa and Mastercard are widely accepted, while American Express and Discover have a smaller international presence. And, depending on your location, some merchants may require chip-and-pin cards or may not accept payment cards at all.
It’s advisable to carry a few different payment methods with you (credit, debit and prepaid) when traveling, along with some local cash. Also, notify your credit card company about your travel plans, lest they flag your card as stolen and cancel it.
Bottom line
A prepaid travel card doesn’t come without downsides, but if you want an easy way to access cash in your destination’s currency — and want a quick way to pay merchants once you arrive at your international destination — the ease of using them might make your trip a less stressful one.
Editorial Disclaimer
The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.
Allie Johnson is an award-winning freelance writer covering personal finance, business and lifestyle. She loves tracking down tips, tricks and cautionary tales about credit cards and money.
Dan Rafter has covered personal finance for more than 15 years for publications ranging from The Washington Post and Chicago Tribune to Wise Bread, HSH.com and MoneyRates.com. His work has also appeared online at the Motley Fool, Fox Business, Huffington Post, Christian Science Monitor and Time.
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- Prepaid travel card perks
- Stick with travel credit card?
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International prepaid cards
Compare fees, accessibility and more before choosing a prepaid travel card..
Compare international prepaid cards
We compare the following brands
In this guide
3 factors to consider when comparing international prepaid cards
Is an international prepaid card right for me, what is an international prepaid card, prepaid travel money cards pros and cons, get an international prepaid card online, 5 international prepaid card fees and how to avoid them.
- What if my prepaid card doesn't support the local currency?
- What's the default currency order?
Alternatives to international prepaid cards
Prepaid guides
There are plenty of ways to take your cash overseas, but the right option will depend on your finances, travel plans and spending habits. Weigh the features, fees and benefits of a prepaid travel money to help you find the best travel money option for your next overseas trip.
To get the best international prepaid card for you, compare the following info:
- Fees. Most prepaid cards come with high fees, so you’ll want to choose one with the lowest monthly fee and one that has low fees for things like ATM withdrawals and foreign transactions.
- Accessibility. Make sure it services the currencies you’ll be using. And make sure it’s widely accepted wherever you’re going.
- Exchange rates. You want the most competitive exchange rates — which is why using an international prepaid card is much more beneficial than exchanging cash at an airport kiosk.
We love Wise for being super transparent about all of the above, so it’s worth looking into if you’re on a tight timeline and want a no-BS experience.
An international prepaid card might be a good option if you want to:
- Visit a country whose currency is available on the prepaid money card.
- Avoid fees, including the currency conversion fee and the foreign transaction fee.
- Lock in your exchange rate before traveling.
- Preload a debit card that is separate from your personal banking accounts.
- Have an acceptable form of non-cash payment.
An international prepaid card — also known as a prepaid travel money card — is a debit card that allows you to add money and converts it into several types of currency that you can spend when traveling. This ultimately allows you to spend overseas without paying a currency conversion fee. Before traveling to your destination, make sure your card supports the local currency to ensure you’ll benefit from its features.
Prepaid travel cards also let you lock-in exchange rates before you travel. By knowing exactly what exchange rate you’re getting and how much money you have on the card, you’ll be able to budget more efficiently.
Here are a few advantages and concerns with using a travel money card on your next trip abroad.
- Spend like a local. Prepaid travel cards allow you to preload multiple foreign currencies while avoiding the currency conversion fee.
- Backup card. Prepaid travel cards come with a backup in case the first card is lost or stolen.
- Manage your travel budget. Reload the card when you need funds with a locked-in exchange rate. This protects you from exchange rate fluctuations and also allows you effectively budget.
- Travel card fees. Each card will come with different fees such as initial load fees, reload fees, ATM fees and inactivity fees. Look at the Travel Money Card , as it waives most of these charges.
- Reloading time. It can take anywhere from two to three business days for the transaction to process — don’t forget about extra time for holidays or weekends.
- Weaker exchange rate. Although travel money cards protect you from unpredictable fluctuations in exchange rates, your exchange rate is generally lower than the market rate.
The best place to get international prepaid cards is online, since you can compare the different fees and terms without squinting at the fine print. If you want to pick up an international prepaid card from a physical location, contact your bank to see if you can open one at a branch.
While some grocery stores and chain retailers like Walmart and Costco do sell prepaid cards and gift cards, many of these cannot be used internationally — or they’ll charge hefty fees when used internationally — so we strongly recommend going to your bank or getting one online.
Take a look at some fees associated with travel money cards and a few hacks to reduce or avoid them entirely.
What if my prepaid card doesn’t support the local currency?
Most prepaid travel cards — like the Travelex Money Card — support about six currencies that have their own currency wallet. When you load funds onto your card, you’ll have to choose which currency you’d like to top up so you can use those funds in that country without having to pay a currency conversion fee.
If you don’t have the funds loaded in that particular currency wallet, or if your card doesn’t support that local currency, you’ll get hit with a currency conversion fee whenever you use your travel card in that country.
Your card provider withdraws funds from your account according to the default currency order at their existing exchange rate, and charges you an additional fee for converting currencies.
What’s the default currency order?
Currency order matters when you withdraw or spend money in a currency that your card doesn’t preload and can’t support. When this happens, your purchase amount is taken from the available currency highest on the default currency order list. Your card provider typically determines the default currency order.
For instance, a typical currency could be:
- United States dollars (USD)
- Great British pounds (GBP)
- Euros (EUR)
- Canadian dollars (CAD)
- Australian dollars (AUD)
- Japanese yen (JPY)
- Mexican pesos (MXY)
If you have preloaded USD, EUR and AUD on your card, and you are spending Thai baht in Bangkok, the card will convert whatever USD you have into baht for your purchase.
If you have insufficient USD preloaded on your card, it will convert the remaining USD you have into baht, and then withdraw the difference from your EUR wallet. A currency conversion fee will generally apply in these instances.
If an international prepaid card isn’t quite what you’re looking for, consider these alternatives:
- Borderless accounts. A virtual bank account designed to streamline the process of withdrawing cash and paying in different currencies, with low fees and transparent exchange rates. We like Wise because it offers free ATM withdrawals all around the world.
- Cash management accounts. These are tech-savvy accounts offered by nonbank financial service providers, Aspiration and Betterment. They’re considering because they have a reputation for low fees and offer more flexibility when it comes to managing your money. For example, Betterment reimburses you for all ATM and foreign transaction fees.
- International debit cards. Debit cards that won’t ding you for withdrawing money from a foreign ATM or stocking up on souvenirs in a foreign country.
- Travel credit cards. These typically come with zero foreign transaction fees and rewards you for buying travel items like plane tickets, hotel reservations, car rentals and more.
- Compare travel money
Kyle Morgan
Kyle Morgan is SEO manager at Forbes Advisor and a former editor and content strategist at Finder. He has written for the USA Today network and Relix magazine, among other publications. He holds a BA in journalism and media from Rutgers University.
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Top 5 Prepaid Debit Cards in 2024
Prepaid debit cards are a must-have for anyone looking to spend money internationally.
Whatever you need it for, we’ve drawn up a list of the best prepaid cards for international travel, available in the USA in 2024:
- Serve (by Amex)
Wise - great all-round prepaid card
- Hold and exchange 40+ currencies with the mid-market exchange rate and no hidden fees
- Auto-convert feature means you can wait for the best exchange rate before converting your USD to other currencies
- Send payments to 160+ countries and get paid easily from 30+ countries with a Wise account
Find out more about the Wise card .
Read our Wise card review .
Open a free Wise account online or in the Wise app and order a linked international debit card for spending and withdrawals in 170+ countries around the world.
You’ll be able to hold and exchange over 50 currencies in the Wise app, with no fee to spend any currency you hold - and all currency exchange uses the mid-market exchange rate with no markup and no hidden fees.
There’s a one time fee of $9 to get your Wise card, with no ongoing charge after that. Some transaction charges apply, depending on the services you use.
Netspend - great for depositing cash and checks
- 130,000+ physical reload locations, plus options to add funds electronically
- Earn cash back and rewards on spending
- Some cards offer a purchase cushion of up to $10 if you run low on funds in your account
Find out more about the Netspend card .
Netspend prepaid cards are available with a broad variety of plan options, including pay as you go, monthly fee and premier plans
You can top up using cash or a check in a physical store location, or have your salary or government benefits deposited to your account for easy spending. You can also deposit checks using just your phone.
Fee structures and plans vary. Check your terms and conditions - particularly for international charges. Foreign transaction fees of 3% - 4% may apply, plus fees to withdraw from international ATMs.
Revolut - great exchange rate
- Hold 25+ currencies, and exchange with the mid-market rate up to your plan limits
- No-fees applied to ATM withdrawals at 55,000+ in network ATMs
- 10 no-fee international transfers per month
Find out more about the Revolut Card .
Read our Revolut card review .
Revolut offers prepaid travel cards and multi-currency accounts you can manage in-app, with a standard plan and 2 higher tier plans which offer more features and no-fee transactions. Use your Revolut account to hold 25+ currencies, exchange between them no-fee up to plan limits ($1,000/month for the no-fee plan), and spend on your linked prepaid card around the world.
Some out of hours and fair usage fees may apply to your account - and you’ll need to pay a monthly fee to unlock the full range of account features and benefits.
Serve - great for instant pick-up
- Get your card online or pick up at a participating retailer for no mailing delays
- Top up at a physical location or using a digital method if you’d prefer
- Different card plans which have their own features and fees, some including cash back options
Find out more about the Serve card.
Serve has several different prepaid debit cards you can use internationally, including some which offer cash back on purchase or other features like fee free direct deposits. You’ll be able to pick up a card in a participating store which means you can start using it pretty much instantly - or order online if you’d rather get everything sorted from home.
Fees apply for different transaction types - including a foreign transaction fee which may be in the region of 3.5%, and international ATM fees which can be around $4.95.
Chime - great for low foreign transaction fees
- No monthly fee, and no foreign transaction fee when you spend with your Chime card overseas
- Fee free ATM withdrawals at 60,000+ locations
- Checking, saving and credit building account options also available
Find out more about the Chime card.
Chime offers a relatively broad range of financial services, including a variety of account options, and linked Visa debit cards which are good for international use as there’s no foreign transaction fee. When you sign up for a Chime debit card you’ll also be able to get instant access to a temporary digital card while you wait for your physical card.
Some card fees are likely to apply, including out of network and international fees applied by merchants and ATM operators.
What is a prepaid debit card?
A prepaid debit card can be used for spending and withdrawals, much like a regular debit card would be.
However, in most cases, a prepaid card is linked to an account you can’t overdraw - so there’s no risk of extra fees if you run short of funds.
International prepaid debit cards can be used to spend in foreign currencies - and often come with extra perks, lower international costs or better exchange rates.
How do I get a prepaid debit card for international travel?
The process to sign up for a prepaid travel card varies by provider, but usually you can choose:
- To apply online and have your card delivered to your home address
- To pick up a card in a physical location and complete verification there
In most cases you’ll have to show or upload proof of your identity for verification, and then load an initial amount onto the card. The good news is that it’s usually more straightforward to sign up for a prepaid card than a credit card as there are no credit checks to complete.
Fees and charges for international prepaid cards
The costs associated with an international prepaid debit card can vary widely based on the provider and card you pick. Have a look at your card’s terms and conditions, and cardholder agreement document to make sure you’re familiar with all the fees, which can include:
- Monthly maintenance fees
- Cash and check reload fees
- Transaction fees
- Foreign exchange fees
- ATM withdrawal fees
- ATM inquiry fees
- Inactivity fees
- Replacement card fees
Check out the Wise card, Chime card, or a standard Revolut account and card if you’re interested in prepaid international debit cards with no ongoing fees and options for currency exchange with no foreign transaction fee.
Are prepaid travel cards safe?
Prepaid travel cards are usually considered safe to use as long as you take normal security precautions - like keeping your account details and card PIN secret.
If your prepaid travel card is stolen you’ll usually be able to freeze or cancel it in an app - and it’s not linked to your main bank account, which can also offer peace of mind. Some providers like Revolut also offer "disposable" virtual cards which can add an extra layer of security when spending with new merchants.
How are deposits on prepaid debit cards protected?
In the US, most reputable prepaid debit card providers offer customers protection under the FDIC insurance scheme , either through their own banking licenses and FDIC membership, or through working with partner banks which are themselves FDIC insured.
If your funds are held by a provider which offers FDIC insurance your funds are usually protected up to $250,000. All of the providers we picked out above do offer customer protections either through safeguarding funds by placing customer money with partner banks, which have FDIC protections in place.
How to add money on a prepaid debit card
How you add funds to your international prepaid card can vary depending on the details of the card. You’ll usually be able to choose from one or more of the following options:
- Have direct deposit payments - such as your salary or government benefits deposited to your account
- Transfer in money yourself from a checking account
- Add money in cash or checks at a physical location - some cards also let you add checks electronically with your phone
Prepaid debit cards: Best MasterCard alternatives
Most of the cards we’ve looked at so far are issued on the Visa network. Visa is one of the card networks with the broadest global coverage - and most merchants and ATMs which offer Visa also allow Mastercard transactions.
It’s useful to have cards on several different networks, just in case there’s a problem with one card or network. Some networks which are commonly used here in the US aren’t as popular in some other regions - such as Discover and American Express. That makes it handy to carry one or more Visa or Mastercard card options alongside your normal cards if they’re on these networks.
In case you’d rather have a Mastercard, we’ve picked out a few top Mastercard prepaid international debit cards as well:
Monzo - great overall alternative
- Range of account functions, to support budgeting, saving and more
- No foreign transaction fees, no ATM fees, no monthly maintenance fees
- Cards are Apple Pay and Google Pay compatible
Find out more about the Monzo card.
PayPal Prepaid Card - great for cash reload
- Add money from your bank, by direct deposit or in person at a physical location
- Earn cash back and rewards with PayPal partner merchants
- 4% foreign transaction fee applies to international spending
Learn more about the PayPal prepaid card.
Ally Bank card - great for everyday use
- FDIC insured with broad range of services including savings, investments and IRA plans
- Manage your money on the move with easy online and mobile banking
- International fees, including a foreign transaction fee when making ATM withdrawals, may apply
Learn more about Ally Bank.
Prepaid travel cards FAQs
Which is the best prepaid debit card for use abroad.
There’s no single best prepaid debit card. It’ll depend on what’s important to you, and how you’ll use the card once you have it.
For example, if you’re looking for a card with the Google exchange rate with no markup you might want to take a look at Wise. If being able to add funds at a physical location is most important , check out Netspend instead.
There are lots of providers out there - so you’ll be able to find the best prepaid travel card for you with a bit of research.
Are prepaid debit cards anonymous?
Prepaid debit cards are still covered by similar financial rules to banks - both here and internationally. That means you’ll usually be asked to show ID when you get a card, for verification.
All of the cards we have profiled here require customers to provide ID to comply with financial legislation, and to keep customers and their money safe. That means they’re not truly anonymous - even though they’re not linked usually to your normal bank account in any way.
Are prepaid debit cards worth it?
Prepaid debit cards are more secure and convenient than carrying lots of foreign currency cash. And if you pick the right provider for your needs you could also find you get a better exchange rate and lower overall costs for your international spending.
Are Prepaid Travel Cards a Good Idea?
They can help with budgeting but compare them with other debit and credit card options before you go.
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A prepaid travel card can offer fraud protection, with your liability limited to $50 if you report it within two business days of learning of the theft.
Whether you're planning a trip to Bali or Boston, staying on a budget and keeping your money safe is essential. A prepaid debit card can help.
Prepaid travel cards function similarly to general-purpose prepaid debit cards but offer extra perks that can make your life a little easier when you're abroad. However, they also come with limitations and other drawbacks that may give the casual traveler pause.
What Are Prepaid Travel Cards?
Prepaid travel cards, also sometimes called international prepaid cards, can make spending easier when you're outside the country.
There are two primary types of prepaid travel cards:
Multicurrency prepaid travel cards. These cards allow you to load cash in specific currencies onto your card before you go on your trip, letting you lock in your exchange rate instead of paying the current rate at the ATM or point of sale.
You can then use the card wherever its payment network, such as Visa or Mastercard, is accepted.
You can't load cash with just any currency, though. Even major prepaid cards may be limited to only a handful of currencies. For example, some have only six currencies available: the euro, British pound, Australian dollar, Canadian dollar, Japanese yen and Mexican peso.
General travel prepaid cards. These cards don't differ much from traditional prepaid debit cards. However, they're more likely to offer certain features that can come in handy when you're overseas.
Examples include chip and PIN capability, emergency cash and card replacement, and international ATM use.
Not all prepaid cards have a chip though, and that can be a problem, says Quentin Telep, director of financial services for AAA National. "In many countries, especially in Europe, they've had the chip functionality for many years."
You may have difficulty using a chipless card at unmanned kiosks and other automated payment points.
What Are the Benefits of Having a Prepaid Travel Card?
If you're planning a trip within the U.S., you likely won't need a travel prepaid debit card. But if you're traveling internationally, you may gain some benefits from doing so.
It can help with budgeting. Sticking to your vacation budget can be tough. Traveling is a time to let loose and live a little, and it can be easy to spend more than you originally planned.
"It's a little easier perhaps to overrun the credit card when you're on vacation and you're not really thinking about how much you're spending," says Mike Clark, co-founder of PrepaidCards123, an online tool for comparing prepaid debit cards. "You may want to set aside a specific amount for your spending money while you're on your trip, and people use prepaid cards for that purpose."
You'll be protected from fraud. Prepaid debit cards are required to give cardholders the same level of fraud protection as traditional debit cards.
This means that if someone uses your card without your permission, your liability is limited to $50 if you report it within two business days of learning of the theft.
Some prepaid cards may go above and beyond this standard, providing a zero-liability policy that protects you from losing any money, even if you don't report the theft before charges show up on your account.
Prepaid cards offer a buffer for your accounts. If you're wary about using your debit or credit card on your trip, a prepaid card can help. While all three types of cards offer some level of fraud protection, it might take time to recover.
A thief who gets access to your debit card could do serious damage to your bank account right when you need funds the most. For example, you may not be able to get reimbursed right away, or it may take some time to receive a replacement credit card . If any kind of theft happens with your prepaid card, the stakes are much lower.
What Are the Disadvantages of Using a Prepaid Travel Card?
While prepaid travel cards can have their perks, watch out for some potential pitfalls, too.
They can cost more. General prepaid debit cards typically charge foreign transaction fees on purchases made in a foreign currency. And though many travel credit cards waive that fee, prepaid travel cards don't. That means you may be paying 3% on top of every purchase you make on your trip.
Even if you exchange your currency before you go with a multicurrency card, you can expect to pay a premium. For example, you may pay a fee of 5.5% to exchange U.S. dollars to an available currency.
Prepaid travel cards could be a more expensive option than other methods of obtaining foreign currency, such as withdrawing cash from an ATM at your destination. "The exchange rate is not nearly as favorable as you would even have if you prepurchase currency at a bank," says Clark.
And if you don't use all the money on the card, you may be subject to a fee to get a refund of your remaining balance.
Prepaid travel cards can also come with other costs, such as fees to load money onto the account, inactivity fees, ATM fees and even a fee to set up your account.
They don't provide rewards or perks. If you're a disciplined spender and can stick to your budget while traveling, a travel rewards credit card may give you a lot more value than a prepaid travel card. Not only do most travel credit cards charge no foreign transaction fees, but you could get access to rewards and other perks such as statement credits for select travel-related expenses, travel insurance protections , complimentary airport lounge access and more.
Most benefits aren't unique. There are some clear benefits of using a prepaid travel card when you're out of the country, but other products could offer the same benefits.
For example, both traditional debit and credit cards offer fraud protection, and you can also avoid debt by using your regular debit card. And while prepaid travel cards come with a built-in limit as to how much you can spend, it's possible to do the same thing with your checking account – you'll just need to make sure your overdraft protection is disabled to avoid nonsufficient funds charges.
You may run into limitations. If you're hoping to get a multicurrency card, you'll only be able to use it if you're visiting a country that uses an eligible currency.
"It's kind of limited in terms of the geography where it's viable," says Telep, "and it also is really only suitable for frequent international travelers or people who are on very extended international trips."
Should You Consider Using a Prepaid Travel Card?
Prepaid travel cards may sound appealing because they're geared toward travel use. But they don't always provide more than what you get from using your regular debit card and a travel rewards credit card.
And while a multicurrency prepaid travel card sounds like it can make your life easier, you'll pay a premium to preload the currency of your choice. Credit and debit cards may assess fees, but many of them are easier to avoid than on prepaid card fees.
Some prepaid cards charge high monthly fees, for example, which may feel unnecessary if you're only using it when you travel. If you're thinking about using a prepaid debit card when traveling overseas for the forced budgeting feature, avoid limiting your search to cards that brand themselves as prepaid travel cards. Instead, also consider general-purpose prepaid cards that allow for international ATM withdrawals and don't charge a lot of fees.
"Look for a card that has a fee structure that's not going to penalize you if you only use the card two or three times a year when you’re going on various vacation trips," says Telep.
You'll also want to make sure you don't run into limitations on how and when you can use your card while you're traveling.
"If I'm traveling abroad, I have to make sure that my prepaid card is going to work for both cash access and for purchases abroad," says Clark. "And you're always going to want to go with a Visa or Mastercard network because of the acceptance abroad."
Consider Using a Mix of Payment Methods
Instead of focusing your vacation spending on just one form of payment, consider using more than one. For example, a travel rewards credit card may be best for most purchases because you can avoid the foreign transaction fee and earn valuable rewards on each transaction. Then use a traditional or prepaid debit card to withdraw cash from ATMs, since credit card issuers will charge a cash advance fee on these transactions.
By having multiple payment options, you can judge which one is the best every time you need to make a purchase. It can also help if one of them gets stolen. While some credit cards and prepaid debit cards offer emergency cash and card replacement services, having a backup ready to go can be a major stress reliever.
Whatever you do, take some time to compare your options to make sure you're getting the most value out of your trip.
Tags: credit cards
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Simplify your spending abroad with a prepaid travel card, find a prepaid travel card, what is a prepaid travel card.
A prepaid travel card , also known as a 'travel money card', is a debit card that you preload with money and take on holiday. It's a good way to stick to your holiday budget and avoid carrying a lot of cash.
Prepaid travel cards can be used at cashpoints, in shops and restaurants , or anywhere that accepts Mastercard or Visa debit or credit cards.
However, a prepaid travel card is not the same as a credit card for two key reasons:
You can only spend the amount you have put on the card; the pre-loaded limit prevents you overspending and getting into debt
You can choose which currency to preload your travel money card with depending on where you're going, which often means you can secure a better exchange rate
Pick a card with fees that suit how you plan to use it, e.g. choose one with no withdrawal fees if you'll be withdrawing cash often while travelling.”
What are the different types of prepaid travel cards?
Multi-currency prepaid cards.
These can be loaded with several different currencies , making them ideal for both frequent travellers and those taking trips to multiple destinations. For example, you holiday in Europe but often visit the US on business, you could use a prepaid travel card to cover your everyday spending wherever you are by topping it up with say £600 then exchanging £200 into euros and £200 into US dollars. The different currencies will then be stored in separate “wallets” , allowing you to switch currencies when you like.
Sterling prepaid cards
These can be used at home and abroad , making them even more flexible than the best travel cards offering multiple currencies. You don’t need to worry about setting up a wallet for the currency you want to use; the card provider simply converts your pounds to the required currency each time you make a purchase . However, this can make holiday budgeting harder and may increase your costs, depending on the charging structure.
Euro prepaid cards
As well as multi-currency cards, you can take out prepaid cards designed to hold a specific currency . This can work out excellently if you're trying to lock in a good rate now by loading your euro prepaid card, but if you then use the card to buy things in a country that isn't in the eurozone. That's because if you spend in a country that does not use the euro, it converts to the local currency each time you make a purchase, which can work out more expensive.
Prepaid US dollar cards
These keep your balance in dollars . If you spend in countries that use a different currency, the card will exchange your dollars to the local currency, and you might well be charged a fee. The currency exchange takes place as soon as you load your card . If the pound strengthens afterwards, you won’t be getting the best value for money, but it if weakens you'll do well.
How to get a prepaid travel card
Compare cards.
Use our table below to find prepaid travel card that offers the features you need with the lowest fees
Check your eligibility
Make sure you fit the eligibility criteria for your chosen travel money card and can provide the required proof of ID
Apply for the card
Click 'view deal' below and fill out the application form on the provider's website with your personal details
What are the eligibility requirements?
Anyone can get a prepaid travel card. There's no need to have a bank account, and no credit checks are required . Some providers have a minimum age of 18, but many will let you have a prepaid card from the age of 13 with parental consent.
Sometimes parents like to use travel money cards to give their children a set amount of holiday money , and to help teach them about budgeting and financial responsibility.
Pros and Cons
What exchange rate do you get.
Exchange rates vary over time depending on what is happening in the wider economy. That means the exchange rate you get on a US dollar travel card today, for example, might not be the same as you get tomorrow or next week.
What prepaid cards offer is the ability to lock in today's rate to use later on. That could see you better off if the pound weakens, but might also mean you get a poor deal if the pound strengthens.
That offers is certainty - you'll know exactly how many dollars, euros, lira or whichever currency you load onto the card you have to spend on holiday.
Today’s best exchange rates
At what point is the currency exchanged with prepaid travel cards.
Some prepaid travel cards hold the balance in pounds sterling. These convert the required amount to the local currency every time you spend on them .
The exchange rate isn’t fixed, so you’ll only know how many pounds you have on the card - not what it will buy you while overseas.
But the cards in our comparison table convert your money when you add it onto the card. This means you know the exchange rate used and your card's exact balance before you go away.
Compare the rates before you choose a prepaid card. Although rates can change several times a day, some travel cards will be more competitive than others.
Using a card with competitive exchange rates will mean you get more local currency for your pound.
You also need to watch out for fees as well as withdrawal limits when choosing a card, as these can vary between providers.
What are the alternatives to prepaid travel cards?
Travel credit card.
A travel credit card works just like a regular credit card, with which you can make purchases by borrowing money. The main difference is that travel credit cards don't charge foreign transaction fees for spending abroad.
Travel money
For many people, cash is the most comfortable form of payment when travelling. It's hassle-free and universally accepted. But it’s riskier, as you'll lose out if it’s lost or stolen and you’ll need to budget carefully to ensure your foreign currency lasts the length of your trip.
Travel debit card
These days, there are plenty of specialist banks and providers that offer bank accounts that don't charge foreign transaction fees when used abroad. This offers you a chance to take advantage of the best exchange rates. And if it's your main current account, you won't have to worry about topping up your account before you go.
What other costs or fees are there with prepaid travel cards?
As well as the exchange rate, you might have to pay several other charges on your prepaid travel card.
These could include:
A fee to buy the card
A monthly or annual fee for keeping the account open
Cash withdrawal fees
Transaction fees when you pay for anything on the card
Inactivity fees
Loading fees when you add money onto the card
Some cards also charge fees for withdrawing cash or making purchases inside the UK .
But some of the cards in this comparison do not charge fees in countries that use currencies loaded on the card - just make sure the right one is selected before spending on them.
Check carefully for fees before you pick one.
Read our full guide on how much it costs to use a travel prepaid card and how to choose one .
"With multi-currency cards, check you've selected the right currency before you arrive."
How long does it take to get a prepaid travel card?
You can apply online and get a decision immediately. However, it can take up to two weeks before your card arrives in the post.
Can I use any prepaid card abroad?
Yes, you can use prepaid Visa or Mastercard cards in most destinations worldwide. Travel prepaid cards are usually cheaper to use overseas than a standard credit or debit card.
Can I withdraw cash abroad?
Yes, you can use a travel money card in a cash machine outside the UK. Some cards charge fees for this, so always check if you want to use your prepaid travel card to make cash withdrawals.
What currencies can my card hold?
All the travel money cards in our comparison can hold a balance in popular currencies such as euros or dollars, while some support more than 50 different currencies.
Can I make international payments?
Yes, some providers let you send or receive money from abroad by logging into your online account, which works in the same way as standard internet banking.
Who sets the exchange rate?
This depends on the company that processes the transactions. Typically, it’s down to Visa or Mastercard , as well as your card provider, which may take an additional cut.
Can I use my prepaid card in the UK?
You can use prepaid cards to withdraw cash or buy things in the UK or online. However, you may pay fees or even an exchange rate if your card is loaded with a foreign currency.
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Preloaded card for travel.
Introduction
When travelling abroad, it’s important to have access to your money without worrying about high ATM fees or foreign transaction fees. One solution to this problem is a prepaid, preloaded card for travel. These cards are designed specifically for use when travelling and offer several benefits over traditional credit and debit cards.
What is a Preloaded Card for Travel?
A preloaded card for travel works like a debit card, but instead of being linked to your bank account, it’s loaded with a specific amount of money before you travel. You can use the card to make purchases and withdraw cash from ATMs, just like a regular debit card. The difference is that you can only spend what you’ve loaded onto the card, which can help you avoid overspending and stick to your travel budget.
Benefits of a Preloaded Card for Travel
There are several benefits to using a preloaded card for travel, including:
No foreign transaction fees
No atm fees (in some cases), protection against fraud, budget control.
One of the biggest advantages of using a preloaded card for travel is that you won’t be hit with foreign transaction fees every time you use your card. Many traditional credit and debit cards charge a fee of 2-3% for foreign transactions, which can add up quickly if you’re travelling for an extended period of time.
Some preloaded cards for travel don’t charge a fee for using ATMs, which can save you a lot of money over the course of your trip. However, it’s important to read the terms and conditions carefully to make sure you’re not going to be hit with unexpected fees.
Preloaded cards for travel are often backed by the same fraud protection as credit and debit cards, which means you can use them with peace of mind. If your card is lost or stolen, you can report it immediately and you won’t be liable for any fraudulent charges.
Since you can only spend what you’ve loaded onto the card, preloaded cards for travel can help you stick to your budget and avoid overspending. You can also easily track your spending by checking your card balance online or through a mobile app.
How to Choose a Preloaded Card for Travel
There are several factors to consider when choosing a preloaded card for travel, including:
Accepted currencies
Reload options, customer service.
Make sure the preloaded card you choose can be used in the countries you’re planning to visit. Some cards may only support a limited number of currencies, which could cause problems if you need to make a purchase in a currency that’s not supported.
Be aware of any fees associated with the card, such as activation fees, monthly fees, ATM fees, and foreign transaction fees. It’s important to factor in these fees when comparing different preloaded cards for travel.
Consider how easy it is to reload your card while travelling. Some preloaded cards for travel allow you to reload online or through a mobile app, while others require you to visit a physical location to reload.
Make sure the preloaded card you choose has good customer service in case you run into any problems while travelling. Look for a card with 24/7 customer service and a toll-free number you can call from anywhere in the world.
If you’re planning to travel abroad, a preloaded card for travel can be a great way to save money on foreign transaction fees and ATM fees while also helping you stick to your travel budget. Just make sure to compare different cards and read the terms and conditions carefully before making a decision.
Moscow metro stations: most beautiful ones & how to use Moscow metro
- September 13, 2023
The Moscow Metro is a bit like an underground museum. It is considered the most beautiful in the world. In this article, I’m going to give further details about the most beautiful Moscow metro stations, and also where to buy tickets and how to use the Moscow metro including the Moscow metro map (or Moscow underground map).
Moscow metro map & how to use Moscow metro?
The Moscow metro is impressive in its appearance and is constantly growing. But do not panic, because if you are used to taking the metro, there is no problem.
Moscow underground map
Below you can find the Moscow underground map. The new stations are still appearing, but stations in the center do not change. I list the most beautiful Moscow metro stations below.
More Moscow city maps in this blog post .
How to use Moscow metro?
There are several options for taking the metro in Moscow : unlimited cards, single tickets or pre-loaded cards. In addition, some tickets are valid on the metro, but also on the Moscow public transport system . In order to discover all these possibilities in detail and define the one that suits you best, you can read this blog post:
- Transport in Moscow: public transport & taxi
Good to know! The signs inside the metro are in English, so it is easy to read them. The only difference compared to, for example, the Paris metro or London metro (as far as I remember when we went there) is the platforms. Indeed, the platform is shared for the two directions of the line. You must therefore read the directions carefully so as not to take the metro the wrong way. In general, past stations are grayed out, while the next stations are more visible .
Visit the most beautiful Moscow metro stations
So, how do you visit the most beautiful stations in Moscow and what do they look like?
Tips for visiting
Here are my tips for visiting the Moscow metro on your own, or on a guided tour in English.
Visit alone without guide
- If possible, try to avoid peak hours that correspond to office hours (9 a.m. and 6 p.m.). Otherwise, your visit will turn more like an ordeal.
- Some Moscow metro stations are a node of several metro lines. In parentheses, to help you find your way, I have indicated the platform of which line is the most interesting to see.
- To visit Moscow, you will definitely take the metro, as it is the fastest means of transport. Locate the metro stations closest to your places of visit.
- Arbatskaya and Smolenskaya stations are located at the ends of Arbat Street, the most famous pedestrian street in Russia.
- Novokuznetskaya station is close to the Tretyakov Gallery.
- If you are going to Saint Petersburg after your visit to Moscow, you will leave from Leningrad station. So, you can see the Komsomolskaya station.
Private guided tour in English
The history of the Moscow metro is particularly interesting to discover. I can describe everything in this article, but the Moscow metro is a perfect illustration of the Soviet era. If you want to discover the metro differently, you can take a guided private tour. For example:
Map and photos of the most beautiful stations of the Moscow metro
To help you locate the stations on the Moscow map. The stations in the city center like Lubyanka or Tchistye proudy are also pretty, but not as much as the others.
Here is the TOP of the prettiest stations:
- Kievskaya (line 4). The line 4 platform is the most remarkable. If you arrive by another line, then just follow the directions to make the change for line 4.
- Mayakovskaya (line 2), with a slightly futuristic air.
- Taganskaya (line 7)
- Arbatskaya (line 4)
- Komsomolskaya (line 1), one of the best known!
- Novoslobodskaya (line 5)
- Smolenskaya (line 3)
Here I have only mentioned the most beautiful metro stations in Moscow, but there are many others that are very pretty. In fact, all the old stations are impressive!
So, what do you think? What’s your favorite? I think my favorite is Komsomolskaya.
Moscow travel tips:
- Visit the Moscow’s Kremlin: tickets, opening hours, what to see inside?
- Transport and taxi in Moscow: how does it work?
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Our revamped travel app’s out now. It makes buying, topping up and managing Travel Money Cards with up to 22 currencies a breeze. Buying and accessing Travel Insurance on the move effortless. And it puts holiday extras like airport hotels, lounge access and more at your fingertips. All with an improved user experience. Find out what’s changed .
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Order your card online – or through the Post Office travel app – and we'll deliver it within 2-3 days. Just activate it and go.
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Common questions
How can i order my card.
There are three ways that you able to obtain a Travel Money Card, each very simple.
Please note, you must be a UK resident over the age of 18 to obtain a Travel Monday Card.
- Via our travel app: you can order and store up to three Travel Money Cards in our free travel app . Delivery will take 2-3 working days.
- Online: follow our application process to order your card online. Your card will take 2-3 working days to be delivered. Once it arrives you can link it to our Travel app to manage on the go.
- In branch: simply find a nearby Post Office branch and pop in to get your Travel Money Card there. Please remember to take a valid passport, UK driving licence or a valid EEA card in order to obtain your card, and you can take it away the same day.
Whichever way you choose to order your card, don't forget to activate it once it arrives. Full details of how to activate your card will be provided in your welcome letter, to which your card will be attached if it’s been sent in the post.
How do I use my card?
Travel Money Card is enabled with both chip & PIN and contactless, so you can make larger and lower-value value payments with it respectively. For convenience, you can also add it to Apple Pay and Google Wallet.
You can load it with between £50 and £5,000 (see more on load limits below). You can use it to pay wherever the Mastercard Acceptance Mark is displayed. And you can withdraw cash with it at over 2 million ATMs worldwide (charges and fees apply, see 'Are there top-up limits?' below).
Your Travel Money Card is completely separate from your bank account so it’s a safe and secure way to pay while you’re abroad.
How can I manage my card?
After you've activated your card, you can manage it using our travel app or via a web browser. You can check your recent transactions, view your PIN, transfer funds between different currency ‘wallets’, top up your card, freeze your card and more.
Our travel app brings together travel essentials including holiday money, travel insurance and more together in one place. As well as managing your Travel Money Card you can buy cover for your trip, access your policy documents on the move, book extras such as airport parking and hotels, and find your nearest ATM while overseas or Post Office branches here in the UK.
Which currencies can I use?
The Post Office Travel Money Card can be loaded with up to 22 currencies at any one time. You can top up funds on the card and transfer currencies between different ‘wallets’ for these currencies easily in our travel app or online.
Currencies available:
- EUR – euro
- USD – US dollar
- AUD – Australian dollar
- AED - UAE dirham
- CAD – Canadian dollar
- CHF – Swiss franc
- CNY – Chinese yuan
- CZK – Czech koruna
- DKK – Danish krone
- GBP – pound sterling
- HKD – Hong Kong dollar
- HUF – Hungarian forint
- JPY – Japanese yen
- NOK – Norwegian krone
- NZD – New Zealand dollar
- PLN – Polish zloty
- SAR – Saudi riyal
- SEK – Swedish Krona
- SGD – Singapore dollar
- THB – Thai baht
- TRY – Turkish lira
- ZAR – South African rand
What are the charges and fees?
Full details of our charges and fees can be found in our Travel Money Card terms and conditions .
The Post Office Travel Money Card is intended for use in the countries where the national currency is the same as the currencies on your card. If the currency falls outside of any of the 22 we offer on your card, you’ll be charged a cross-border fee. For example, using your card in Brazil will incur a cross-border fee because we do not offer the Brazilian real as a currency.
Cross border fees are set at 3% and are only applicable when you use your currency in a country other than the ones we offer.
For more information on cross border fees, please visit our cross border payment page.
There are no charges when using your card in retailers in the country of the currency on the card. This means that a €20 purchase in Spain would cost you €20 and will be deducted from your euro balance.
To avoid unnecessary charges to your card, wherever asked, you should always choose to pay for goods or withdraw cash in the currencies of your card. For example, if you are using the card in Spain you should always choose to pay in euro if offered a choice; choosing to pay in sterling (GBP) in this example would allow the merchant to exchange your transaction from euro to sterling. This would mean your transaction has gone through two exchange rate conversions, which will increase the total cost of your transaction.
For loads in Great British pounds, a load commission fee of 1.5% will apply (min £3, max £50). A monthly maintenance fee of £2 will be deducted from your balance 12 months after your card expires. Expiration dates can be found on your TMC; all cards are valid for up to 3 years.
A cash withdrawal fee will be charged when withdrawing cash from a UK Post Office branch or from any ATM globally that accepts Mastercard.
We have listed all available currencies and their associated withdrawal limits and charges below:
EUR – euro Max daily cash withdrawal: 450 EUR Withdrawal charge: 2 EUR
USD – US dollar Max daily cash withdrawal: 500 USD Withdrawal charge: 2.5 USD
AED – UAE dirham Max daily cash withdrawal: 1,700 AED Withdrawal charge: 8.5 AED
AUD – Australian dollar Max daily cash withdrawal: 700 AUD Withdrawal charge: 3 AUD
CAD – Canadian dollar Max daily cash withdrawal: 600 CAD Withdrawal charge: 3 CAD
CHF – Swiss franc Max daily cash withdrawal: 500 CHF Withdrawal charge: 2.5 CHF
CNY – Chinese yuan Max daily cash withdrawal: 2,500 CNY Withdrawal charge: 15 CNY
CZK – Czech koruna Max daily cash withdrawal: 9,000 CZK Withdrawal charge: 50 CZK
DKK – Danish krone Max daily cash withdrawal: 2,500 DKK Withdrawal charge: 12.50 DKK
GBP – Great British pound Max daily cash withdrawal: 300 GBP Withdrawal charge: 1.5 GBP
HKD – Hong Kong dollar Max daily cash withdrawal: 3,000 HKD Withdrawal charge: 15 HKD
HUF – Hungarian forint Max daily cash withdrawal: 110,000 HUF Withdrawal charge: 600 HUF
JPY – Japanese yen Max daily cash withdrawal: 40,000 JPY Withdrawal charge: 200 JPY
NOK – Norwegian krone Max daily cash withdrawal: 3,250 NOK Withdrawal charge: 20 NOK
NZD – New Zealand dollar Max daily cash withdrawal: 750 NZD Withdrawal charge: 3.5 NZD
PLN – Polish zloty Max daily cash withdrawal: 1,700 PLN Withdrawal charge: 8.5 PLN
SAR – Saudi riyal Max daily cash withdrawal: 1,500 SAR Withdrawal charge: 7.50 SAR
SEK – Swedish Krona Max daily cash withdrawal: 3,500 SEK Withdrawal charge: 20 SEK
SGD – Singapore dollar Max daily cash withdrawal: 500 SGD Withdrawal charge: 3 SGD
THB – Thai baht Max daily cash withdrawal: 17,000 THB Withdrawal charge: 80 THB
TRY – Turkish lira Max daily cash withdrawal: 1,500 TRY Withdrawal charge: 7 TRY
ZAR – South African rand Max daily cash withdrawal: 6,500 ZAR Withdrawal charge: 30 ZAR
Are there top-up limits?
Yes, all currencies have top-up limits and balances. See full information below, which is applicable to all currencies available on the Travel Money Card.
- Top-up limit: minimum £50 – maximum £5,000
- Maximum balance: £10,000 at any time, with a maximum annual balance of £30,000
- Read more Travel Money Card FAQs
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Find out more information by reading the Post Office Travel Money Card's terms and conditions .
Post Office Travel Money Card is an electronic money product issued by First Rate Exchange Services Ltd pursuant to license by Mastercard International. First Rate Exchange Services Ltd, a company registered in England and Wales with number 4287490 whose registered office is Great West House, Great West Road, Brentford, TW8 9DF, (Financial Services Register No. 900412). Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Post Office and the Post Office logo are registered trademarks of Post Office Limited.
Post Office Limited is registered in England and Wales. Registered number 2154540. Registered office: 100 Wood Street, London, EC2V 7ER.
These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).
- General Information
Moscow CityPass
The Moscow CityPass is a tourist card that gives you free entry to more than 40 top attractions in the Russian capital, including the Kremlin and Saint Basil's Cathedral.
Included attractions
The 10 most popular attractions included with the Moscow CityPass are:
- Saint Basil's Cathedral
- Bunker-42 Museum
- Tretyakov Gallery
- Tsaritsyno Palace Museum
- Museum of the Patriotic War 1812
- State Historical Museum
- Great Wooden Palace of Tsar Alexis I in Kolomenskoye
- Moscow Sightseeing Bus Pass
- Moscow River Cruise
Moscow CityPass Prices
You can buy the Moscow CityPass for a duration of 1, 2, 3 or 5 days depending how long you're planning to spend in the city.
Is it worth it?
Entrance into these attractions is worth much more than the cost of the CityPass, yet it offers even more, for example, the Pushkin Museum , the Museum of the History of Vodka and the Museum of Contemporary History , among others, plus discounts at restaurants, shows and shops. If you're already planning to visit these sights, then it's well worth buying the CityPass to save money on tickets.
Where to buy the Moscow CityPass?
You can buy your Moscow CityPass online in advance via our website . Then, all you need to do is collect it from the Komsomolskaya Tourist Information Centre (Komsomolskaya Square, 5-1), near the Komsomolskaya metro station. The office is open from 9 am until 8 pm.
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Moscow has seen its fair share of history, from invasions to revolutions: these days it is home to a wealth of culture and is one of the most populated capitals in the world.
Russian National Ballet
Ballet is one of the most emblematic symbols of Russian culture, a dance that has infiltrated countries the world over. Watch a performance in Moscow!
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Travel points on credit cards, explained
PayPal Editorial Staff
March 14, 2024
Savvy shoppers can turn everyday spending into exciting adventures by harnessing the power of travel points on credit cards.
Travel points on credit cards are rewards earned for eligible purchases. When someone accumulates enough points, they can redeem them for travel-related expenses like flights, accommodations, or upgrades.
From earning to redeeming, discover the world of travel reward points in this guide.
How do travel points work?
Travel points on credit cards work by rewarding people for their spending. When someone uses their credit card for eligible purchases, they may earn a certain number of points or miles based on the card's rewards program. These points accumulate over time and can be redeemed for travel costs.
Some cards or reward programs also offer flexible redemption options, allowing individuals to transfer points to airline or hotel loyalty programs.
The more someone spends on their card, the more travel points they may accumulate. However, it’s important to practice responsible spending and not make purchases simply to earn more points.
While some credit cards may be specifically noted as travel credit cards or offered in tandem with airline companies, many rewards credit cards can still be used to earn points or cash back to spend on travel or lodging. There may also be rewards programs via cash back apps that offer earning potential for spending with certain travel-related companies or airlines. For example, PayPal users can view travel-related deals and rewards offerings in the Travel category on the PayPal app . Rewards earning and redemption options will vary depending on card provider and/or rewards program.
Potential pros and cons of travel points
Some benefits of travel points may be:
- Free or discounted travel expenses: Travel points may be redeemed for complimentary or discounted flights, hotel stays, and even upgrades, allowing for cost savings on travel expenses.
- Travel perks: Some travel rewards cards provide access to airline or hotel loyalty program benefits, such as priority boarding, lounge access, and room upgrades.
- Flexible redemption: Many programs offer flexible redemption options, including the ability to transfer points to partner airlines or hotels, providing more choices for travelers.
Before signing up for a travel rewards credit card, consider the possible risks of travel points:
- Limited flexibility: Some travel rewards programs may have restrictions or blackout dates. Points may also have expiration dates — if unused, someone may lose their rewards.
- High annual fees: Many premium travel rewards cards come with annual fees, which may offset the value of the rewards.
- Increased spending: To earn travel points, people must use their credit card, which can lead to debt if not managed responsibly.
How to earn travel points
To earn travel points, someone generally needs to use a travel rewards credit card on eligible purchases. Over time, they may accumulate enough points to enjoy a benefit like free or reduced airfare or a discounted hotel stay.
Beyond everyday spending, here are other ways to potentially earn travel points:
- Sign-up bonuses: Many travel rewards credit cards offer sign-up bonuses when opening a new account and meeting a spending requirement within a specified timeframe.
- Frequent flyer and hotel loyalty programs: When someone flies with a specific airline or stays at a particular hotel chain consistently, they may accumulate points or miles that can be redeemed for future travel.
- Online shopping portals: Some airlines and credit card companies have online shopping portals that offer bonus points for making purchases through their platforms.
Accumulating travel points requires responsible financial management, including paying off credit card balances in full each month to avoid interest charges . Additionally, check for any annual fees associated with travel rewards credit cards and ensure that the benefits outweigh the costs.
How to redeem travel points
Travel rewards credit cards may offer several redemption options, from flights or hotels to vacation packages or statement credits. When booking through a rewards portal, people typically have the option to pay with points or a combination of points and cash.
The redemption process may vary slightly depending on the specific travel rewards program or credit card. Always read the terms and conditions of the rewards program and credit card to understand any restrictions, blackout dates, and expiration policies associated with the points.
Learn how to redeem rewards .
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How a Travel Credit Card Can Be Your Ticket to Big Savings
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Next time you're planning a vacation, a travel credit card could defray some or all of the costs if it packs the right incentives. Typically, cards with higher annual fees provide the most value with perks like ongoing rewards, free checked bags, airport lounge access or other benefits. But even cards with low or no annual fees make it possible to earn some value toward travel, if you can qualify.
These cards generally require good credit (scores of 690 or higher), and even if you're eligible, it's not worth pursuing one if you can't pay off the credit card bill in full every month to avoid steep interest charges. And if you're working toward paying down existing debt, it might not be worth chasing points and miles until you've made progress on that front.
But as long as travel credit cards align with your financial goals, their potential savings merit consideration — even if you travel just once or twice per year. Explore the flexibility of a general-purpose travel credit card to book travel anywhere, or a branded credit card to book travel with a favorite hotel or airline. Either option may offer money-saving benefits toward your next trip.
Valuable features can lower costs
Offers will vary among general-purpose travel credit cards and airline- or hotel-branded credit cards, but some savings opportunities may include:
If a credit card offers a lengthy list of perks, the value can quickly add up. Here are some features to look out for:
A sign-up offer: Travel credit cards generally come with lucrative sign-up offers that let new cardholders earn a pile of points or miles by meeting a minimum spending requirement. It’s easier to snag if you can strategically time a credit card application around planned purchases during a heavy-spend month or season.
Free checked bags: Some airline credit cards offer free checked bags , which can add up to real savings when applied per person on a round trip. This is one way that Doug Figueroa, a content creator at the YouTube channel Zorito y Doug, makes up the cost of the $150 annual fee on an airline credit card. “The savings are $70 round trip per passenger listed in the same reservation,” he says.
TSA or Global Entry credit : Some travel cards issue a credit (up to $100) when you use them to pay for a TSA or Global Entry application fee. These expedited airport security screening programs can save time while traveling.
Travel credits: Depending on the card’s terms, travel credits may be used to save money on a variety of travel expenses like rideshare services, airfare or accommodations.
Airport lounge access: You can skip the pricey airport food with some travel credit cards that offer complimentary airport lounge access . Austin Maxwell, a South Carolina-based content creator at the blog The Maxwells Travel, uses a travel credit card to avoid those costs. “I’m saving $20 to $30 every time I go to the airport because I don’t have to buy food or drinks during a layover or preflight,” he says.
A companion ticket: Some airline credit cards cover the cost of a ticket for a friend or family member. Depending on the card's terms, you may have to pay taxes and fees on the fare, the companion ticket may have an expiration date and/or a spending requirement may apply.
Automatic elite status: You may earn elite status without much effort on some hotel-branded credit cards. Elite status can add up to valuable savings if the program offers free food, bonus points or suite upgrades.
Free nights: If your favorite hotel has a branded credit card that offers annual free night awards, it can stretch your vacation budget.
Protections and other benefits
A travel credit card that offers trip delay or cancellation insurance, lost baggage insurance, rental car coverage or other protections may also be of value to you. To qualify for these benefits you typically need to pay for the trip or covered purchase with the eligible credit card. Read the terms carefully to understand the extent of your coverage.
Figueroa says he saved $90 over three days with his card’s primary rental car coverage on a trip to Miami.
“Once you make the online reservation, you must decline all insurance offered by the rental company and pay for everything with your [card],” he says.
High-value reward redemptions
Points or miles on some travel credit cards might lose value if they are used for non-travel redemptions like cash back, gift cards or other options. Travel redemptions typically offer the best value, and you might squeeze out even more value with a general-purpose travel card that allows points to transfer to airline or hotel partners. It’s a strategy that Maxwell uses often to his advantage.
“It’s even better if there’s a transfer bonus associated with that," he says. "Credit card companies offer transfer bonuses — 15%, 20%, 30% bonus — if you are to transfer points to a specific airline.”
He says he has also transferred points to hotel partners to book hotel rooms with them. “It would be the equivalent of getting a hotel room at $120 that’s actually valued at $500,” he adds.
To determine whether to redeem rewards for travel or transfer them to a partner, compare costs by checking the credit card’s booking platform and the partner’s website. Also factor in whether rewards transfer on at least a 1:1 ratio, meaning that you'll get the equivalent value in points or miles transferred.
On a similar note...
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Nyc begins handing out prepaid debit cards to migrants in controversial program.
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The Adams administration launched its program to give prepaid debit cards to New York City migrants this week — two months after inking a controversial no-bid $53 million contract for the deal.
Staffers with the New Jersey company, Mobility Capital Finance, handed out eight preloaded Mastercards at the Roosevelt Hotel on Monday as part of its pilot program that will expand to 115 cards by next week, according to a City Hall spokesperson.
The one-year deal came under fire after The Post first revealed the contract was inked without a typical bidding process.
The program could be a boon for the tech start-up, giving it the potential to net $1.8 million by taking a cut of the funds loaded onto each Mastercard, according to the contract.
The administration scaled back the original plan, which would have loaded up the cards with a month’s worth of money for food and baby supplies. Cash will now need to be replenished each week.
A family with two parents and kids under five will receive about $350 a week, the spokesperson said.
The Post was unable to track down any of the migrant families who received the cards Monday. Even the staffers at the Roosevelt Hotel said they weren’t aware the cards had been handed out.
The pilot program will cover about 460 out of the 64,500 migrants in the city’s care as City Hall evaluates its success.
“This cost-saving measure will replace the city’s current system of providing non-perishable food boxes to migrant families staying in hotels, much of which is often discarded,” Adams spokesperson Kayla Mamalek said.
City Hall says the new process of getting asylum seekers fed could save up to $600,000 per month.
The Adams administration has said that the emergency contract was necessary to avoid delays in rolling out the cost-saving program.
Despite that, it took two months before any of the prepaid cards were handed out.
City Hall has dodged questions about the delay, only saying that the rollout was on schedule.
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What you need to know about the Wells Fargo Autograph Journey Visa Card
- How other travel cards compare to the Wells Fargo Autograph Journey℠ Visa® Card
- 4 important details about the Autograph Journey
This New Travel Credit Card Could Dethrone The Chase Sapphire Preferred
Between its flexible rewards and point-transfer opportunities, the new Wells Fargo card could be a worth-while choice.
Holly Johnson
Contributor
Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."
Tiffany Connors
Tiffany Wendeln Connors is a senior editor for CNET Money with a focus on credit cards. Previously, she covered personal finance topics as a writer and editor at The Penny Hoarder. She is passionate about helping people make the best money decisions for themselves and their families. She graduated from Bowling Green State University with a bachelor's degree in journalism and has been a writer and editor for publications including the New York Post, Women's Running magazine and Soap Opera Digest. When she isn't working, you can find her enjoying life in St. Petersburg, Florida, with her husband, daughter and a very needy dog.
The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.
Wells Fargo’s newest credit card -- the Wells Fargo Autograph Journey℠ Visa® Card* -- is open for online applicants. It’s a competitive offer that could give incumbent travel credit cards from Chase , American Express and Capital One a run for their money.
Wells Fargo does one thing better than its competitors: It offers a more flexible rewards program that doesn’t require booking travel in a portal to earn the highest rates.
Here’s why we think the Wells Fargo Autograph Journey could go toe-to-toe with some of the best travel credit cards , plus four insider tips to help you decide if you should add it to your credit card lineup.
Before we dive into the hidden features and benefits, here’s an overview of what you can expect with the Autograph Journey:
- Earn 60,000 welcome bonus rewards points after spending $4,000 in purchases within three months of account opening.
- Earn unlimited 5x points on hotels, 4x points on airlines, 3x points on other travel and dining and 1x on other purchases.
- Receive an annual statement credit with a $50 minimum airline purchase.
- No foreign transaction fees.
- Other benefits include trip cancellation and interruption insurance, lost luggage reimbursement, roadside dispatch and cell phone insurance.
- $95 annual fee.
How other travel cards compare to the Wells Fargo Autograph Journey℠ Visa® Card
Chase Sapphire Preferred® Card
Capital One Venture X Rewards Credit Card
Capital One Venture Rewards Credit Card
4 important details about the autograph journey .
Here’s a rundown of four facts we discovered about the Autograph Journey that you should know when deciding whether to apply.
1. You can transfer points with Wells Fargo point-based cards
The launch of the Autograph Journey also marks the first transferable points program from Wells Fargo, which joins other card issuers like Chase and Capital One, which have their own pooling programs .
Autograph Journey will be able to do a points transfer with the no-annual-fee Wells Fargo Autograph℠ Card . This is especially notable since the Wells Fargo Autograph℠ Card offers bonus rewards in different categories than the Autograph Journey.
For example, the Autograph card earns unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans, plus 1x points on other purchases. So you can maximize your point earning across different categories, then transfer your points to your Autograph Journey account to access premium travel redemptions.
2. It offers more options for earning bonus miles on travel than some competitors
The Autograph Journey will offer more flexibility than many travel rewards cards when it comes to earning more points on travel purchases. For example, cardholders earn unlimited 5x points on hotels booked directly with hotel brands and 4x points on airfare booked with airlines.
This helps the card stand out from other popular travel credit cards that offer the most bonus points only if you book travel through their portals. For example, the Capital One Venture Rewards Credit Card * and the Capital One Venture X Rewards Credit Card * only offer the highest bonus rewards on travel booked through Capital One Travel. The Chase Sapphire Preferred® Card also offers its highest rate of 5x points on travel booked through Chase Ultimate Rewards, whereas other travel purchases earn 2x points.
Autograph Journey cardholders also earn a minimum of 3x points on other travel purchases, which could include rental cars, cruises and travel booked through online travel agencies like Expedia and Priceline.
3. The card may grow in value as more transfer partners join
The Autograph Journey Card will earn flexible travel rewards points that transfer to a selection of airline and hotel partners, similar to Amex Membership Rewards points or Chase Ultimate Rewards . While the list of transfer partners is limited, Wells Fargo stated in its initial press release that “more partners will continue to be added throughout the year.”
Points transfers could dramatically change the value proposition of the Autograph Journey, especially if new partners include domestic airlines and popular hotel loyalty programs.
Wells Fargo point transfers will be available to new cardholders starting on April 4. For now, Wells Fargo transfer partners include the following:
4. You may need to wait to apply
If you’ve applied for another Wells Fargo card in the last six months, you’ll likely have to wait a little longer before applying for the Autograph Journey.
Wells Fargo states in its terms and conditions, “If you opened a Wells Fargo Credit Card account within the last six months, then you may not qualify to open an additional Wells Fargo Credit Card account. We may also limit how many open Wells Fargo Credit Card accounts you have.”
So if you want the new Autograph Journey, you should steer clear of applying for other cards from Wells Fargo for now. If you’re approved and use the card responsibly for six months or longer, you can consider adding additional Wells Fargo credit cards to your portfolio.
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As a credit card editor, i write about hundreds of cards -- but these two are my favorite, 6 reasons the chase sapphire preferred should be your next credit card, 3 steps to take when your flight is canceled or delayed, 8 best credit card strategies to maximize earnings in 2024, as a foodie who enjoys a night out on the town, this credit card gives me plenty to savor.
* All information about the Wells Fargo Autograph Journey, Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card have been collected independently by CNET and has not been reviewed by the issuer.
CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.
Your doctor might not be listening to you. AI can help change that.
If implemented responsibly, artificial intelligence promises to help return medicine to its humanistic roots..
Are you tired of feeling like just another number at the doctor’s office ? As current and future members of the physician workforce, we believe that well-regulated artificial intelligence presents an opportunity to tackle burnout within the medical workforce and restore patient-centered care.
From 2021 through 2022, about 71,300 physicians left their clinical jobs , exacerbating staffing shortages. Even more troubling, the Association of American Medical Colleges projects a shortage of up to 124,000 physicians by 2034.
A major factor driving this shortage is the overwhelming and increasing administrative burden associated with care delivery. These burdens leave physicians, who train to connect with their patients face-to-face, spending more time with their eyes glued to their electronic health records.
Dr. Christine Sinsky, a vice president at the American Medical Association, explains, “Physicians don't leave their careers. They are leaving their inbox .”
'The doctor is not really listening to me'
It's not just doctors feeling the strain, either. When a doctor spends half their time typing away at their computer, it is no surprise that patients feel neglected. Many patients resent the resulting decline in face-to-face time with their doctors, frustrated as they slip through the cracks of what many increasingly describe as a corporatized health care system.
One of us, Victor Agbafe, learned this firsthand from his frustrated neighbor who after an encounter with his primary care provider told him, “The doctor is not really listening to me – they’re too focused on their pre-set agenda.”
Yes, urgent care is convenient. But seeing your doctor may save your life.
And it's not just a one-off complaint.
A study from the Mayo Clinic showed that doctors often interrupt their patients within just 11 seconds of them talking. The patients in the study who did voice concerns about the history and physical aspects of their patient encounter cited being interrupted a few seconds into their encounter as their chief complaint.
Fortunately, this is exactly where generative AI can make a remarkable difference. AI tools can reduce the physician’s administrative workload, freeing up more time to spend with patients.
How AI can help doctors treat patients better
For example, in Tennessee, Dr. Matthew Hitchcock is using an AI tool that drafts his medical notes , turning two hours of typing at home into just 20 minutes of editing.
By delegating time-consuming tasks to AI, physicians can focus on verifying the accuracy of medical notes and, more important, on directly engaging with patients.
Think back to Victor’s neighbor, whose appointments were depersonalized by doctors typing notes into electronic medical records, dividing their attention between their screens and patients. With AI-assisted appointments, doctors can spend their limited time forming genuine connections with patients and asking important follow-up questions.
Minimizing keyboard clicking and computer screen barriers creates more space for doctors and patients to build the trust and mutual understanding necessary to maximize the doctor-patient relationship. This shows the positive potential of AI making inroads in health care: It can enhance rather than replace human connection.
Beyond easing administrative tasks, AI's integration into health care can benefit diagnostics and treatment planning – particularly through the integration of retrieval-augmented generation techniques (RAG) , which enhance the accuracy and reliability of AI models.
America needs diverse medical workforce: Racial disparities in health care cost lives. Medical school needs race-conscious admissions.
Imagine the models as standard GPS systems, which navigate using preloaded maps based on vast collections of old data. The models generate outputs that mirror natural language, much like a GPS guides you based on existing road layouts.
In this scenario, RAG is like upgrading your GPS to include real-time traffic updates. RAG enhances the AI models by integrating current, relevant information from external sources, just as a GPS with real-time updates optimizes routes.
This approach ensures that physicians have access to the latest medical evidence, reducing the risk of outdated or incorrect diagnoses.
For instance, when a physician evaluates a patient, RAG-enabled AI systems can sift through vast databases of medical literature and clinical guidelines in real time. They can offer additional diagnoses or remind physicians of rare conditions, ensuring a more thorough consideration of all possibilities. They can even flag potentially dangerous drug interactions that might be overlooked in a busy clinical setting, protecting vulnerable populations like older patients.
As health care evolves from volume-based to value-based care and we increasingly integrate population health within the context of the individual patient, AI will remain a valuable tool. It enables our doctors, nurses and other clinical providers to tailor insights gleaned from large-scale population data to the individual needs of each patient.
Even so, let us be clear: AI will not and should not replace our doctors. Medicine is both an art and a science that requires human intuition and judgment that AI cannot replicate.
It is crucial to strike a balance with how to use AI with medical trainees who will form the backbone of our future health care workforce. We have to integrate AI into medical education while still ensuring students develop foundational skills such as developing an initial diagnostic and treatment course that are essential to the practice of medicine.
We want to bring doctors and patients closer. If implemented responsibly, AI promises to help return medicine to its humanistic roots.
Rotimi Kukoyi is a Public Voices Fellow of The OpEd Project and The National Black Child Development Institute. He is a sophomore Morehead-Cain Scholar at the University of North Carolina at Chapel Hill , where he studies health policy and management, biology and chemistry.
Victor Agbafe is an MD/JD student at the University of Michigan Medical School and Yale Law School, where he is a research fellow at the Solomon Center for Health Law and Policy .
Dr. Joan Perry is a pediatrician and the chairwoman of the department of pediatrics at Lenoir Memorial Hospital in Kinston, North Carolina. She is also an adjunct assistant clinical professor of pediatrics at East Coastal University (ECU) and the University of North Carolina School of Medicine, and a former member of the North Carolina 7th Congressional District Advisory Committee on Medical and Health Affairs.
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Prepaid Travel Card by Mastercard | Reloadable Travel Cards. MASTERCARD BENEFIT INQUIRIES. Within the U.S.: 1-800-Mastercard (1-800-627-8372) | Outside the U.S.: Mastercard Global Service Phone Numbers. Availability of insurance benefits on your card may vary by card issuer. Please refer to your issuing financial institution for complete ...
Here are some of the best deals on prepaid cards for travel around Europe: 1. FairFX Currency Card. Card fee: None (when minimum amount is preloaded onto card) Transaction fees: None; ATM fee: £1.00 domestic and abroad; Other fees: 1.75% out-of-currency fee for purchases outside of its 15 supported currencies; 2. Moneycorp Red Explorer ...
Again: Be sure to read through your card's fine print before embarking. Avoid holds at all costs: In a sense, prepaid travel cards work like debit cards. Be sure to avoid using a prepaid travel card to reserve a hotel room or a rental car, which can trigger a hold that could tie up hundreds of dollars of your cash for a week or longer.
Fetching your data... PayPal Prepaid Mastercard®. $4.95 per month. 2.5%. $2.50. Use the no-cost direct deposit service and have access your funds up to two days faster than what traditional banks offer. Go to site. More Info. Compare.
Foreign transaction fees are charged by some cards whenever you spend money outside of the country or with a foreign merchant. These two best prepaid cards for vacations abroad don't charge a foreign transaction fee and are easier to manage for international trips. 4. Travelex Money Card.
Top-pick prepaid travel cards. Top prepaid travel cards. Revolut - top rates on weekdays. Wise - top rates with low fees. EasyFX - zero overseas ATM fees. Top cards for under-18s to use abroad. HyperJar - fee-free spending, can't use ATMs. Nationwide - fee-free spending & withdrawals. GoHenry - free for two months + £5 cashback.
Revolut offers prepaid travel cards and multi-currency accounts you can manage in-app, with a standard plan and 2 higher tier plans which offer more features and no-fee transactions. Use your Revolut account to hold 25+ currencies, exchange between them no-fee up to plan limits ($1,000/month for the no-fee plan), and spend on your linked prepaid card around the world.
General prepaid debit cards typically charge foreign transaction fees on purchases made in a foreign currency. And though many travel credit cards waive that fee, prepaid travel cards don't. That ...
Visa Prepaid card is the quick, easy, and secure way to pay online or in-person—24 hours a day, 7 days a week. The all-purpose Visa Prepaid card is a reloadable prepaid card that you can use to withdraw cash, pay bills, or make purchases at participating retailers and service providers, in-person or online.
A prepaid travel card, also known as a 'travel money card', is a debit card that you preload with money and take on holiday. It's a good way to stick to your holiday budget and avoid carrying a lot of cash. Prepaid travel cards can be used at cashpoints, in shops and restaurants, or anywhere that accepts Mastercard or Visa debit or credit cards ...
Mastercard Prepaid travel card is accepted globally, helps get a benefit from locked-in rates, allows worldwide access & is safer than cash. Explore more benefits. ... Your benefits may vary by card type and by issuing financial institution. Refer to your issuing financial institution for complete benefit coverage terms and conditions or call ...
Whether you need a card for everyday spending, budgeting, travel, or online shopping, Visa has a prepaid card option that is right for you. Find out how to get a Visa prepaid card that offers security, convenience, and rewards, and compare different card features and benefits.
A preloaded card for travel works like a debit card, but instead of being linked to your bank account, it's loaded with a specific amount of money before you travel. You can use the card to make purchases and withdraw cash from ATMs, just like a regular debit card. The difference is that you can only spend what you've loaded onto the card ...
Post Office Travel Money Card: 22: Rates set by First Rate: Commission charge of 1.5% applicable to GBP top-ups. Fee changes depending where cash is being withdrawn. Min £50 / Max £5000: £10,000: £300, but varies per currency: Inactivity fee: £2 per month once the card expires. Replacement card fee £5. Sainsbury's Travel Card: 15 ...
There are several options for taking the metro in Moscow: unlimited cards, single tickets or pre-loaded cards. In addition, some tickets are valid on the metro, but also on the Moscow public transport system. In order to discover all these possibilities in detail and define the one that suits you best, you can read this blog post:
Post Office Travel Money Card is an electronic money product issued by First Rate Exchange Services Ltd pursuant to license by Mastercard International. First Rate Exchange Services Ltd, a company registered in England and Wales with number 4287490 whose registered office is Great West House, Great West Road, Brentford, TW8 9DF, (Financial ...
A Travelcard "Troika" (in Russian: Тройка) is by far the most convenient option for using public transport in the Russian capital. The Transport card gives you 15 metro, monorail, Moscow Central Circle (MCC) or Land Public Transport rides. One ride per card is equal to one pass on any type of transport. A Travelcard is valid for 5 ...
The Moscow CityPass is a tourist card that gives you free entry to more than 40 top attractions, including the Kremlin and Saint Basil's Cathedral. Civitatis Moscow. Travel Guide General Information Info. close. General Information. Plan your trip Plan your trip Visa & entry requirements ...
Current Wells Fargo Autograph Journey Visa Card Offer. Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months of account opening. Earn unlimited 5X points on hotels, 4X ...
1: Off-kilter genius at Delicatessen: Brain pâté with kefir butter and young radishes served mezze-style, and the caviar and tartare pizza. Head for Food City. You might think that calling Food City (Фуд Сити), an agriculture depot on the outskirts of Moscow, a "city" would be some kind of hyperbole. It is not.
March 14, 2024. Savvy shoppers can turn everyday spending into exciting adventures by harnessing the power of travel points on credit cards. Travel points on credit cards are rewards earned for eligible purchases. When someone accumulates enough points, they can redeem them for travel-related expenses like flights, accommodations, or upgrades.
Free checked bags: Some airline credit cards offer free checked bags, which can add up to real savings when applied per person on a round trip.This is one way that Doug Figueroa, a content creator ...
Annual fee: $695. The quick sell: Even with patchy acceptance of Amex cards abroad, the Platinum card continues to reign supreme for its excellent airport lounge access and instant VIP status at ...
Staffers with the New Jersey company, Mobility Capital Finance, handed out eight preloaded Mastercards at the Roosevelt Hotel on Monday as part of its pilot program that will expand to 115 cards by…
Wells Fargo's latest credit card could inject some much-needed competition into the travel rewards market. Earn 60,000 welcome bonus rewards points after spending $4,000 in purchases within ...
As current and future members of the physician workforce, we believe that well-regulated artificial intelligence presents an opportunity to tackle burnout within the medical workforce and restore ...