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London Travelcard v Oyster Card v Contactless card in 2024

Make an informed choice on the right london travel pass for you.

For the visitor to London, the question of which travel pass to purchase can be confusing. Those living and working in London will almost always have an Oyster Card in their wallet and, as a general rule of thumb, the Oyster Card is the benchmark to be beaten, although people are fast migrating to contactless payment cards.

Many will have a long-term travel pass attached to the Oyster, and these can be valid for as short as a week or as long as a year.

Buying a single ticket for one journey is rare, you are penalised very heavily financially. A one-way single ticket on the Underground in Central London is double that of an Oyster fare and not far off the maximum you can pay in a day of unlimited rides using Oyster.

Where to use   Where to buy   Visitor Oyster   Returning the card   Cheapest option   Price caps   Fares   Concessions   Group tickets   Child fares

On the buses buying a one-way ticket is just not an option offered.

The Contactless payment card is the newest option available along with mobile payments and the authorities hope this will become the dominant channel in the longer term. However for short-term visitors the adoption rate is far less and for good reason, especially if you are from overseas and do not have a British sterling or pound currency credit/debit card.

For the tourist or those making short visits to London there are aspects of the Travelcard that make them appealing and if understood can make Travelcards cheaper than Oyster cards or Contactless payment cards, especially if you are visiting the major sights on a first time visit.

So all in all it can be quite confusing for the visitor planning their visit to London to make an informed choice.

This page discusses the differences between Oyster, Contactless Payment Cards and Travelcards so you can identify the right product for you. Our detailed Travelcard , Contactless payment cards and Oyster card pages give a full explanation of each.

Where you can use London travel options

All three options, Oyster card, Contactless payment card and Travelcards cover the same London public transport, with the exception of Gatwick Airport (see below):

- The London Underground network.

- The London red local bus network.

- The railway network in Greater London.

- Docklands Light Railway, TfL Rail and Overground Railway.

- Heathrow Express

- Discount on many scheduled river services (though not Contactless payment card and fragmented implementation on Oyster/Travelcard).

Using Oyster and Travelcards on the Heathrow Express and other Heathrow services

From 19 February 2019, Oyster cards, contactless bank cards and mobile devices are accepted on the Heathrow Express. This will speed up the process of ticketing for this train for customers who can now enter with just a tap of your card on the ticket barrier. Prices are the same as buying your ticket at the station, with a single peak charged at £25 and off peak £22. You can save money by booking your tickets online in advance or in advance using the Heathrow Express app. Children aged 15 and under can use a Zip Oyster card to travel free on the service.

You can also use Travelcards on the London Underground and TFL Rail train services to Heathrow.

Using Oyster and Travelcards to and from Gatwick Airport

You can use Oyster or Contactless payment cards on the trains to/from Gatwick Airport but it may well be cheaper to buy tickets from the railways instead. You cannot use Travelcards to/from Gatwick Airport and it may be cheaper to travel using rail tickets between Gatwick and London than using Oyster.

Stansted, Southend, Luton airports and City Airport and London's public transport system

Stansted , Southend and Luton airports are outside London and beyond the scope of London public transport or TfL, so the airport buses and trains from these airports are not covered.

City Airport is serviced by the Docklands Light Railway (DLR) and is covered.

Differences in ease of purchase/charges

Both Oyster and Travelcard can be purchased on demand from Underground stations, Visitor Centres and literally hundreds of retail outlets, such as newsagents and convenience stores inside London.

There are few places outside London you can purchase them. Note at Underground and DLR stations there are no manned ticket desks, just ticket machines.

You can purchase Oyster cards and Travelcards online from the TfL online shop (banner link below) and have them delivered to your home address wherever in the world.

Oyster cards you purchase in this way are Visitor Oyster cards, the differences are explained further down the page.

Please note: Contactless payment cards are your normal personal credit/debit cards, so as long as your cards support the Contactless payment technology then you don't have to do anything. You just use your credit/debit card as an Oyster card.

Deposits & admin charges

When you buy a Visitor Oyster card you pay an activation fee (currently £5) which is not refundable. For standard Oyster cards purchased in London you pay a £7 deposit which is refundable (see Oyster v Visitor Oyster section below).

For short-term visitors, contactless payment cards and Travelcards are the only travel passes where you do not incur the deposit/admin charges of Oyster purchase.

Oyster Card v Visitor Oyster Card

There are two types of Oyster card. If you buy in London you get the standard Oyster card. If you buy outside London, including airport trains and National Express coaches, overseas agents and online you will get a Visitor Oyster card.

Oyster & Visitor Oyster card differences - key facts

Oyster fares and caps are the same whether you use a standard Oyster or a Visitor Oyster, a common misconception.

For Visitor Oyster cards you pay an activation fee (£5 in 2024) which is non refundable. If you buy an Oyster card in London you pay £7 in 2024.

You cannot load 7 day Travelcards on Visitor Oyster cards only standard Oyster cards. If you are in London for 5 plus days having a 7 day Travelcard loaded on your Oyster can save you significant cash. For 5 days daily travel in London, Oysters and 7 day Travelcards for most visitors will be almost identical in price. For 6 or 7 days the sixth and seventh days are effectively free for a 7 day Travelcard compared to the Oyster total price.

At the end of your trip both Visitor Oyster cards and standard Oyster cards you can cancel at ticket machines and get any cash left on the Oyster refunded (in cash/coins).

For a standard Oyster card you can, if you wish, register online. With Visitor Oyster cards you cannot. The main advantages of being registered online is that if you lose your Oyster you can stop its use, you can get a good audit trail of your journeys and you can request a refund of cash left on your Oyster online direct into your bank account.

Visitor Oyster cards have “special offers” made available to purchasers, normally discounts on anything from food to theatre tickets relevant to visitors. Whether you would make use of any of these offers is another thing and the specifics of offers are often not clear.

BUY VISITOR OYSTER CARD & TRAVELCARD FOR LONDON

Visiting London? Save time and money on London public transport

• Visitor Oyster Card • Travelcard for 1 day anytime / off-peak or 7 days anytime • Group day travelcards available

Returning your Oyster card at end of trip

If you plan on returning to London at some time then you can retain your Oyster and use it again on your return however far in the future.

Otherwise you will want to reclaim your Oyster deposit and any cash balance left on your Oyster or Visitor Oyster. You can do this using any ticket machine (though notably not at Gatwick Airport). The machine will cancel the Oyster card and refund your deposit plus any cash left on your Oyster up to £10.

If you forget to get the refund whilst in London you can post the Oyster card back to TfL customer services requesting the refund. For overseas visitors the big disadvantage is that the refund will be in the form of a cheque in British pounds.

This procedure is the same for both Oyster cards and Visitor Oyster cards.

Can I share Oyster cards? Do I need photo ID?

Only one person can travel with an Oyster card at any time. If 2 people are travelling together they need 2 Oyster cards. However, if you only have pay as you go credit on your card, another person can use your Oyster card when you are not travelling. If you have a Travelcard, Bus & Tram Pass or discount added to your Oyster card, you can't lend it to someone else.

No photo is required for an Oyster and your name is not stamped on the card.

You can register the Oyster card if you want but that is entirely voluntary. For concessions, principally child fares, a separate Oyster Photo ID card is often required if your child is 11 years or older and wants child fares (see bottom of the page).

No photo ID is required when you buy an Oyster card, except where children are concerned. You may well need an Oyster Photo ID card of one kind or another to access child rates. See the child concession table at the foot of this page for which one (if any) and fees.

No photo ID is required when you buy adult Travelcards from anywhere but railway stations.

For a 7 Day Travelcard or longer (adult or child) bought from a railway station ticket office (not Underground) you need to bring along a passport size photo for a rail photocard to be made up on the spot and free of charge.

7 Day Child Travelcard or longer bought from anywhere but a railway station or with TfL online shop requires an Oyster ID Card. Adults do not. See the child concession table at the foot of this page for which Oyster ID Card (if any) and fees.

Contactless payment cards - are your cards compatible?

Like all new technologies, compatibility and speed of introduction varies across the world. To make sure Contactless payment cards are even going to be an option for your credit/debit cards take a look at our Contactless payment card dedicated page linked below.

Also do remember if you are a visitor with a non-UK issued credit/debit card you'll probably be hit for foreign exchange charges by your card issuer like all other foreign purchases.

Contactless payment cards - more details

Oyster card compared with Contactless payment cards + Travelcard - which is cheapest?

As a general rule a Travelcard is more expensive than an Oyster card or Contactless payment card. The exception is if you make 3 or more journeys for 6 days or more within a 7 day period. In this case a 7 day Travelcard works out cheaper than an Oyster or Contactless payment card. Otherwise an Oyster on a Pay As You Go basis or a Contactless payment card is cheaper. If you are a resident or long-term visitor there are monthly and annual Travelcards.

You can load 7 day Travelcards onto an Oyster card and switch between Oyster Pay As You Go and Travelcard as your travel patterns change. You cannot do this on a Contactless payment card.

If you use a credit/debit card using Contactless payments whose home currency is not British pounds your card will be charged like any other overseas purchase so you should check whether you will be hit for punitive foreign exchange charges by your card issuer - there is a wide variance between different cards. The best cards have no fees.

If you have children under 16 year of age then your decision will probably be driven by access to child fares. Travelcards often give you access to child rates much easier than Oyster for short duration visits - see the getting child rates section further down this page.

Discount entitlements can't be added to a Contactless payment card. So if you are eligible for free or discounted travel, you should continue using your existing Oyster card. This in effect rules out children using Contactless payment methods.

If you are doing the sights in London like the Tower of London. London Eye, Madame Tussauds etc. then you really should read about the 2 for 1 admission promotion which Travelcards can qualify you for, but Oyster cards do not.

Oyster v Contactless payment cards v Travelcard peak & off peak travel - the differences

Price caps apply to Oyster cards and Contactless payment cards. A price cap is the maximum you can pay in any one calendar day (see next section down).

The 1 day Travelcard peak travel period is Monday to Friday before 9.30am, there is no afternoon peak period. If you travel in the peak period you need a peak 1 day Travelcard. The substantial variance in fares is detailed on the price table below. All Travelcards with a duration 7 days or longer cover both peak and off-peak times.

Oyster / Contactless payment cards price caps v Travelcard prices

Travelcards are a flat rate pass where you have unlimited rides for the time period purchased.

Oyster / Contactless payment cards are charged on a per journey basis but has a daily maximum you can be charged. Once you hit this 'price cap' through individual fares aggregating, you are charged no more for subsequent journeys made that day.

The daily Oyster/Contactless payment cards price cap is less than the cost of a 1 day Travelcard so over one day is cheaper. Over longer periods Travelcards can work out cheaper depending on your travel. For instance a 7 Day Travelcard is less expensive than an Oyster or Contactless payment cards if you travel 3 or more times each day for 6 days or more in a 7 day calendar period.

Travel zones

All travel (except the buses) is charged by the number of zones you travel through. Most tourists never get out of zones 1 and 2 where all the main sights and hotels are, but there are exceptions like Heathrow Airport in Zone 6. Look at the London Underground page for a full explanation and zone maps.

Using an Oyster card with a 7 day Travelcard loaded onto the Oyster card

Most visitors will just travel in the central zones, 1 and 2. If you are staying more than 5 days in Central London then a 7 day Travelcard zone 1-2 is probably going to be cheaper than just an Oyster card.

7 day Travelcards can be loaded onto your Oyster card and be used in combination with Oyster on a Pay As You Go basis for a single journey.

Note this flexibility is not available on Visitor Oyster cards or Contactless payment cards.

This is useful if you want to take the occasional trips outside the central area (zones 1 & 2), perhaps to Heathrow Airport in zone 6 from Central London in Zone 1. By loading some PAYG money onto your Oyster as well as the Travelcard zone 1-2 the ticketing system will recognise the zone 1 and 2 Travelcard for the zone 1 and 2 segment of the journey and take the fare for zones 3 to 6 from the Oyster PAYG amount on your card.

Similarly if you are staying in London for 9 days you might buy an Oyster Card and use it on a PAYG basis for 2 days and have a 7 day Travelcard loaded and use that for the remaining 7 days.

Price caps for Oyster & contactless card payments, compared to Travelcard prices

From 3 march 2024 - march 2025.

* Travelcard peak fares apply for any travel made Monday to Friday before 9.30am. All other travel is off-peak.

** Prices for a 7 day Travelcard. Also the 7 day cap for contactless payment cards between Monday to Sunday - not available on Oyster.

SPECIAL CAP FOR BUS TRAVEL ONLY: £5.25 (When you only travel on London's buses on 1 day).

CHILDREN'S OYSTER CAPS: Off-peak: £1.80 (zones 1-9). Peak: approx half of adult cap.

Oyster Card & Contactless Payment Card Fares - Compared to Single Cash Fares from 3 March 2024 - March 2025

No return fares.

ANY BUS JOURNEY: £1.75 (no fare zones)

* Peak fares apply Monday to Friday between 6.30am and 9.30am and 4pm to 7pm except public holidays

Should your journey not use TFL services (London buses/trams, Underground, Overground, DLR and TFL Rail), completely, for example part of your journey is via a different operator, most likely a railway company, then the standard Oyster/Contactless single fare based on zones may not be followed.

Children travel free if under 11 year old or are between 11 and 15 years with an Oyster 11-15 Photocard. On services operated by the railways such as Gatwick trains for example, only children under 5 travel free, child rate fares are available with the appropriate age Oyster Zip card.

Children's fares (11-15 yrs old) with an Oyster 11-15 Photocard on Oyster for any trip within zones 1 to 6 is £0.85 off peak, £0.90 peak

Seniors concessions

There are no seniors fares for visitors. If you reside in London and are of pensionable age you can get a Freedom pass giving free travel. If you are 60+ and live in London the Seniors Oyster ID Card that makes free bus travel available. You can apply online or get a form from your local Post Office.

Anybody with an English National Concessionary bus pass can use that on London's red buses too and travel free of charge.

If you have a railways Seniors Railcard you can get your 1/3 discount on off-peak Oyster fares. You have to ask a member of staff to load the concession onto a standard Oyster card (note, not a Visitors Oysters card) at an Underground station after showing your Seniors Card.

If you have a railways Seniors Railcard you can also buy 1 day off-peak zone 1-6 Travelcards at with the discount applied.

Child concessions

This is a complex subject and is covered in detail at the foot of the page. A child is defined as under 16 years old, but in the last couple of years it has been possible to get child fares after jumping through a few hoops up to the age of 17.

Children under 11 can travel free on the London Underground, DLR and buses without a ticket. If a child is between 11 and 15 years old you require an Oyster 11-15 Photocard (which has a fee see below). This allows 11 to 15 year olds to travel at child fares on the Underground, DLR, Overground and some trains, free on the buses.

If you are a short-term visitor (in London for up to 14 days) with kids between 11-15 you can take advantage of the Young Visitor Discount. This means you can get half price fares on an Oyster Card on a temporary basis for your child without going through the hoops and expense of getting an Oyster ID card. You do need to read carefully the rules of this scheme though.

Child Fares - more details

Group tickets - 1-day Group Travelcard for groups of 10 or more

This in scope is the same as a 1 day off-peak Travelcard for zones 1-6 and 1-9 providing unlimited travel on all services after 9.30am Monday to Friday and all day Saturday, Sunday and Bank Holidays.

The pricing is particularly attractive if you have kids in the group and those staying in one of the outer zones, however if you are staying in the centre of London zones 1 to 3 it will be cheaper to purchase individual Oyster cards.

If you are a group of 10 or more then do check out this product and read more on our page below.

Group Travelcards - more info

Oyster versus Travelcard - getting child rate travel

One of the biggest nightmares for those on short visits to London with children is accessing child rate fares if they do not qualify for free travel.

Note child fares are not supported by Contactless payment cards.

If after reading the table below you find that you require an Oyster ID Card, then are taken aback by the cost and time required to obtain one for your child read on. These are your options for travelling without the Child Oyster ID Card (if your child is under 16) at child rate:

Pay for individual journeys at child rate

Buy an adult Oyster Card and load a Young Persons Discount onto it. For short-term visitors staying less than 14 days this is probably the best choice.

Purchase a 1 day Child Travelcard each day

Purchase your Travelcards or Oyster Cards online from the TfL online shop (banner below)

Purchase 7 Day Travelcards or longer from railway stations (you will need to bring a passport size photo with you for a railways photo card which is made up on the spot free of charge).

Children's Fare Concessions

Oyster card or Travelcard in London: How to choose

When planning a trip to London, you need to think houw you’re going to get around and what tickets you’ll need to pay for public transport.

Buying single tickets is simply not recommended, as it works much cheaper to use a transport card or contactless payment. The transport cards that you will need to look into are basically the oyster card and the travelcard. Using contactless payment works out exactly the same as using an oyster card.

However, deciding what works best for you can be a little daunting, so we will explain the main differences and hopefully help you make that decision.

London Oyster card, Travelcard or Contactless payment

One important thing to remember is that every person needs their own card. Unless you are just using buses, in which case, more than one person can use the same card. But for trains, underground, overground, trams, riverboat services or anything else you need one card per person.

London Oyster Card: What is it

The London Oyster Card is a pay-as-you-go plastic card, the size of a credit card. In order to get one you need to pay £7, and you can top it up as many times as you need and use it again and again. It’s valid for travel on the Underground, overground, DLR (docklands light rail), TFL rail, Emirates airline, and some trains. It’s also valid for travel within any of London’s Travel Zones , so you don’t need to choose what zones you will need it for when buying one. Every time you use it, the fare will be calculated depending on the travel zones that you have travelled to and from, and the time of the day you have made the journey (peak / off-peak).

It is the best option if you are visiting London and going to use London’s public transport a few times a day, for example, if you need to travel to get to central London from your hotel, then to get to a different place in London and then back to the hotel.

With an oyster card, you will pay for each journey you make, and there is a maximum daily cap. Once you have reached this daily cap, you will not get charged any more for extra journeys.

⇒ Read More about London Oyster Card

Contactless Payment on London Transport

This is slowly becoming the most popular option for paying for London’s public transport. Contactless payments work exactly the same as the oyster card, with exactly the same fares, and it saves you having to spend £7 on an Oyster Card.

A few things to have in mind if you are travelling to London from abroad are transaction fees and exchange rates. But in this case, you’ll find that nowadays, cards such as Revolut have made travelling much easier.

⇒ Read more about contactless payments on London Transport

London Travelcard

The London travelcard entitles you to unlimited travel for a set number of days within the London Travel Zones chosen.

This card that can be purchased for 1 day, 1 week, 1 month or 1 year, and with it, you have unlimited travel for the London transport zones you have chosen.

Generally speaking, a one-day London travelcard is something I don’t usually recommend as the oyster card’s daily cap is cheaper than the one day travelcard. A 7-day travelcard is helpful if you are going to use London’s public transport a lot (which doesn’t need to be the case if you plan your trip well), if you are going to be travelling outside of zones 1 – 4 every day or if you go are going to spend more than five days in London.

⇒ Read more about the London Travelcard

How to choose between Oyster Card, Contactless or Travelcard

To choose between an oyster card or travelcard to save as much money as possible when planning a trip to London, there are two things that we must take into account: The number of days that you are going to be in London and the travel zones that you are going to travel to and from:

Number of days

As a general rule, after comparing prices, I usually recommend a London Oyster Card or Contactless payment method if you are going to be in London for less than five days. If you are staying in London for more than 5 days, it’s probably worth getting a 7-day travelcard.

Travel zones

If you are buying a travelcard, you need to know what zones you’ll be using. London’s most popular attractions are mostly in zone 1. Some tourist attractions can be found in zone 2, such as Camden Town Market. But you also need to have in mind where your hotel is.

⇒ Read more about London Travel Zones

Oyster Card Daily Capping: Something to keep in mind when choosing between Oyster Card, Contactless or Travelcard

I must mention that the oyster card has a daily cap, and once this daily cap has been reached for certain travel zones, you can travel for free within the same travel zones. You still need to use your oyster card as you normally would, but you won’t be charged.

The cheapest one-day travelcard for costs £15.20. This is the price of the 1-day travel card for zone 1, zones 1-2, 1-3 and 1-4. The maximum daily cap when using an oyster in zones 1 and 2 of London is £8.10, £9.60 for zones 1-3 and £11.70 for zones 1-4. So, if you use an oyster card and travel in zones 1 and 2, once you have reached £8.10 you can travel free within zones 1 and 2.

2023 Fares Comparison: Daily Oyster Card Cap – 1 Day Travelcard – 7 Day Travelcard.

What’s cheaper according to number of days and travel zones, taking into account 2023 fares, what you should never do if you land at heathrow airport.

If you are thinking about buying a London travelcard for your stay in London if you are going to be in London for more than 5 days, and you arrive at Heathrow airport, we wouldn’t recommend that you buy a 7-day travelcard for zones 1 – 6 at Heathrow underground station to use during your whole stay as you will be paying too much.

I would recommend that you buy an oyster card at Heathrow underground station, and add a zone 1-4 travelcard onto it (if you are going to be in London more than 5 days), but use it with pay-as-you-go credit to get to central London on the first day and then again when you return to Heathrow airport.

Transport passes for children in London

Children under the age of 11 travel free within London travel zones. Children over 11 can also benefit from reduced fares; you can find out more about this in our article: Travelling in London with kids .

Find out more

For more information, visit London’s official transport website: Transport For London

Related Posts

London underground, london travel zones, travelling in london with kids, contactless payment on london transport.

What is your recommendation for buying a ticket for an 11 day stay in London (2 adults and children 16 and 13 years old). Hotel accommodation in Sutton with daily travel to and from the city centre, travel within zone 1-2 during the day + a day visit to the Harry Potter Studio. Thank you very much.

Hi Jan, Personally I wouldn’t recommend Sutton if you are going to travel to Central London every day as you would need to combine Underground with trains. We know some people that live near Sutton and most of the times the trains have delays or cancellations. The Harry Potter Studios are located in North London, while Sutton is in the South, so that day you would need around 2 hours to go there and another 2 hours to come back…

Also, depending on the airport that you would be arriving to, I would recommend a different area to find accommodation.

Hope it helps. If you have any questions about any other areas let us know.

Have a nice day!

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What is a London Travelcard?

A London Travelcard gives you unlimited travel within zones 1-4 or 1-6 on the Underground, Overground, TfL Rail, Docklands Light Railway, buses, trams, and most National Rail services in London.

You can also use your London Travelcard to get discounted fares on the Emirates Air Line and a third off River Boat fares on selected services.

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Which London Travelcard is right for me?

 one day london travelcard.

Anytime Day Travelcards can be used on the date shown on the ticket and for journeys starting before 04:30 the following day. Off-peak Day Travelcards can be used from 09:30 (Monday to Friday), at any time on weekends or bank holidays for the date on the ticket, and for journeys starting before 04:30 the next day.

London Weekly Travelcard

The London Weekly Travelcard offers seven days of travel for the price of five.

Monthly London Travelcard

Monthly Travelcards are typically more cost-effective than purchasing four consecutive 7-day Travelcards. They offer a saving of 11% compared to the continued use of 7-day Travelcards.

Group One Day London Travelcard

Travelling as a group of 10 or more? Get a Group One Day London Travelcard valid for the day from 09:30 (Monday to Friday), anytime on weekends or public holidays right up until 04:30 the next day.

London Travelcard season tickets

Your Travelcard season ticket can start any day of the week and you can travel right up until 04:30 on the day after your Travelcard expires.

Choose a seven-day, monthly, three-month, 6-month, custom or annual Travelcard season ticket.

How do I get a London Travelcard?

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Child Fares on London Transport

Last updated: 23 February 2024 Discounts for children on London transport are straightforward for children aged 10 and under. For children aged 11-15 it’s slightly more complicated.

Children under 5

Children under-5 travel free on all types of transport in London when travelling with an adult.

• up to 4 children are allowed per adult on London buses, the underground (tube), DLR and London Overground.
• up to 2 children under-5 travel free per adult on National Rail (trains)

Children aged 5-10

All children aged 5-10 travel for free on:

• the underground (tube), DLR, London Overground and some National Rail services within London as long as an adult accompanies them. Up to 4 children can travel per adult
• London’s buses with or without an adult

Children aged 11-15

Children aged 11-15 travel for free on London’s buses and at child-rate Pay as you go Oyster fares on the underground (tube), DLR, London Overground and most National Rail services if they have an 11-15 Zip Oyster photocard.

The child-rate single fare with an 11-15 Zip Oyster is 95p (peak) or 85p (off-peak) for zones 1-6.

Like the ordinary adult Oyster card, there’s a daily cap – the maximum amount deducted from the card in one day. It’s £4.25 peak and £1.80 off-peak for zones 1-2.

This is the cheapest deal for 11-15 year olds. The card is not available from underground stations, although you can apply online . It is available to non-UK residents but you’ll need to apply at least 3-4 weeks in advance. There’s also a non-refundable £15 administrative charge.

Travel in London without an 11-15 Zip Oyster

Applying for a 11-15 Zip Oyster is not worth the trouble unless you’re a resident or frequent visitor.

There are a few other options for young visitors that will save money:

• Young Visitor Discount on an Oyster card
• Child-rate One Day Travelcard (from an underground or train station)
• Pay the child full-fare (underground only, not bus)

Bus-only travel for 11-15 year olds

If an 11-15 year old does not have an 11-15 Zip Oyster, Visitor Oyster Discount or child-rate Travelcard the best option is to let them use your contactless debit/credit card and pay the adult-rate bus fare of  £1.75. (NB only one card can be charged per passenger) or buy a £5.90 adult-rate one day bus pass . See London bus tickets & passes for details.

Young visitor Oyster discount

If you don’t want to apply for an 11-15 Zip Oyster, the cheapest way for 11-15 year old visitors to travel is the Young Visitor Oyster Discount. This is a special discount added to an ordinary Oyster card. It’s valid for 14 days. After 14 days, the discount automatically expires and the card can be used as a ordinary adult Oyster card.

There’s a £7 fee for the Oyster card (non-refundable). Single fares and the daily cap for the underground and buses-only are 50% cheaper than adult fares.

For example:

• Unlimited travel by underground in zone 1-2 is  £4.25 per day
• Unlimited travel by bus is  £2.65 per day, for the whole of London

It’s available from:

• Underground station ticket machines: you need to buy an Oyster card (£7) or use a Visitor Oyster Card. Ask a member of staff to apply the discount to the card via the ticket machine.
• Transport for London Visitor Centres
• Victoria train station ticket office

Children aged 16-17

Children aged 16-17 can apply for the 16+ Zip Oyster Photocard . With this they:

• pay Oyster Pay as you go fares at half the adult rate on the bus, tube and most National Rail services in London. (Children resident in London with a 16+ Zip travel free on the buses)
• can buy a child-rate weekly or monthly Travelcard.

You must apply online. There’s a non-refundable £20 administrative charge for the 16+ Zip Oyster. If you live outside the UK, you must apply for your card at least 4 weeks before arrival in London.

Without a 16+ Zip Oyster, a 16 or 17 year old is classed as an adult and must either:

• pay the adult fare
• buy an adult-priced Travelcard, bus pass
• use an ordinary Pay as you go Oyster card with an Oyster or Contactless payment.

18+ Students

Students aged 18+ resident in London during term-time can apply for an 18+ Student Oyster photocard. It might also be possible to apply for a 16+ Zip Oyster .

There are no other discounts for students not studying and living in London.

Child ticket prices (11-15 years)

11-15 zip oyster pay as you go single fares (payg) 2024, 11-15 zip oyster daily cap prices from 3 march 2024, child one day travelcard from 3 march 2024.

These are the prices for the Child One Day Travelcard.

Off Peak : Valid for travel after 09:30 Monday–Friday and all day Saturday, Sunday & Public Holidays. Anytime : Valid for travel before 09:30 Monday–Friday.

See London’s Transport Zones if you’re not familiar with the zones and the areas they cover.

Transport tickets & passes

• Guide to London's transport tickets
• One day & weekly Travelcards
• Zone 2–6 weekly Travelcards
• Bus tickets & passes
• Oyster card
• Oyster single tickets
• Oyster card refunds
• Contactless cards
• Child tickets & passes
• Local train tickets

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• London transport zones

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What the Wells Fargo Autograph Journey Visa Card offers

• How other travel cards compare to the Wells Fargo Autograph Journey℠ Visa® Card
• 3 key benefits cardholders get from the Autograph Journey 

Move Over, Chase Sapphire Preferred. This New Travel Credit Card Is Turning Heads

Wells Fargo's newest card has one key advantage over the gold standard in travel cards.

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.

The Wells Fargo Autograph Journey℠ Visa® Card * -- Wells Fargo’s latest and best travel card -- recently launched with an impressive set of features. Its competitive rewards, welcome bonus and redemption options take aim at incumbent travel credit cards from Chase, American Express and Capital One.

What gives Wells Fargo’s first foray into the point-transfer space an edge is that you don’t have to book travel in a portal to earn the highest rewards 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 three insider tips to help you decide if you should add it to your credit card lineup.

Here’s a quick 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

Wells Fargo Autograph Journey℠ Card

Chase Sapphire Preferred® Card

Capital One Venture Rewards Credit Card

3 key benefits cardholders get from 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 Travel℠, 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:

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After writing about hundreds of credit cards, these two are still 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.

Best no annual fee travel credit cards of April 2024

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

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

Travel rewards cards are a lot like gyms. The best ones may come with tons of added benefits (saunas, yoga class, etc.) but they also cost a lot, usually with a big financial commitment upfront. 

As a result, whether you’re considering a Chase Sapphire Preferred ® Card (with its $95 annual fee) or a CrossFit membership, you probably have the same question on your mind: will I really use it enough to justify paying for it? 

While there aren’t any free gyms we know of, there thankfully are plenty of no-annual-fee travel rewards cards that require essentially zero commitment. And just like an ab roller or a Richard Simmons DVD, you can simply use them a few times, forget about them, and put them in a drawer until beach season. Or, you can stick with it and make them part of your daily routine—whatever works for you.

You’re also far more likely to see “instant results” with these cards, too. From 100,000-point welcome bonuses to rewards for paying rent, free travel insurance to 3X on gas, these cards offer way more than you’d expect for a fee of $0 per year. 

The best no-annual-fee travel cards for April 2024

Best overall: bilt mastercard, best for hotel rewards: ihg one rewards traveler credit card, best for airline rewards: united gateway℠ card, best for travel earnings: wells fargo autograph℠ card, best for flat-rate earnings: capital one ventureone rewards credit card.

The Bilt Mastercard allows you to earn points from paying rent and transfer them 1:1 to well over a dozen different travel partners including United MileagePlus and Marriott Bonvoy. Toss in some surprisingly robust travel insurance and you have our unconventional—yet logical—choice for the best overall no-annual-fee travel card of 2024.

Bilt Mastercard®

Special feature.

Rewards Rates

• 1x Earn 1X points on rent payments without the transaction fee, up to 100,000 points each calendar year
• 1x Earn 3X points on dining
• 2x Earn 2X points on travel
• 1x Earn 1X points on other purchases
• Use the card 5 times each statement period to earn points.
• Uniquely earns points on rent
• Rent Day bonus every first of the month offers double points (excluding rent)
• Robust travel transfer partners
• Cash redemption rate is poor
• No traditional welcome bonus
• Travel perks: Trip Cancellation and Interruption Protection, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver
• See this page for details
• Foreign Transaction Fee: None

Why we like this card: As mentioned, the Bilt Mastercard’s most compelling feature is that it allows you to pay rent with a credit card—even if your landlord doesn’t take plastic—and avoid the transaction fee paying rent by credit card would typically incur. Then, as long as you complete five transactions each month, you’ll trigger 1X rewards on your rent payments. 

Note that rewards on rent are capped at 100,000 points per year.

In terms of earning potential, if you pay the median ~$2,000 rent in the U.S., you could earn approximately 24,000 points per year which can be used to book travel in Bilt’s portal at a value of 1.25 cents per point or transferred to any of Bilt’s airline or hotel partners at a 1:1 ratio. In other words, you could likely earn a domestic flight with United or a weekend stay at Hyatt, all for simply paying rent on time.

The Bilt card also provides trip cancellation and interruption protection, trip delay reimbursement, and primary rental car insurance (terms apply)—perks you wouldn’t typically find on a no-annual-fee credit card.

If you’re looking for a hotel rewards card that offers the most free nights for no annual fee, wait until you read about the IHG One Rewards Traveler Credit Card. With a six-figure welcome bonus, up to 17X on stays and other compelling rewards, it’s currently the gold standard for no-fee hotel rewards.

IHG One Rewards Traveler Credit Card

Intro bonus.

• 17x Earn up to 17X points when you stay at IHG Hotels & Resorts 
• 3x Earn 3X points on dining, utilities, internet, cable, and phone services, select streaming services, and at gas stations
• 2x Earn 2X points on all other purchases
• Generous welcome bonus not typically seen in a $0 annual fee card
• Travel protections that are unusual for a no-annual-fee card
• Fourth night free on award bookings
• Limited redemption options outside of IHG
• IHG points are worth less than some other rewards currencies
• Silver status granted with the card has limited benefit
• Additional perks: Trip cancelation/interruption insurance, auto rental collision damage waiver, purchase protection, ability to spend to Gold status
• Foreign transaction fee:None

Why we like this card: We like calling the IHG One Rewards Traveler card the “Liam Hemsworth” of travel rewards cards because it lives in the shadow of its big brother—the IHG One Rewards Premier Credit Card —but still delivers plenty of quality and substance in its own right (with no annual fee, to boot). 

For starters, you can get a welcome bonus of 80,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening, potentially worth around $500 to $700 in IHG redemption. 

Plus, enjoy up to 17X points when you stay at IHG Hotels & Resorts, instant Silver Elite status and a handy bonus where you redeem points for three consecutive nights and get the fourth night in your stay free. So, if you book a three-night stay using your welcome bonus, you’ll essentially be getting a complimentary four-night stay at a nice IHG property for no annual fee. The IHG One Rewards program could be very rewarding for the right traveler.

Check out our full review of the IHG One Rewards Traveler .

As a no-annual-fee airline card, the United Gateway℠ Card currently edges out its rival the Delta SkyMiles® Blue American Express Card by offering a more generous welcome bonus and travel insurance that the Delta card does not provide. If you fly occasionally and would like to earn miles, but aren’t willing to make the commitment of $95 or more for a mid-tier airline card with more perks, the Gateway is a strong choice. 

United Gateway℠ Card

• 2x 2 miles per $1 spent on United® purchases, including tickets, Economy Plus, in-flight food, beverages and Wi-Fi, baggage service charges and other United purchases.
• 2x 2 miles per $1 spent on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit.
• 1x 1 mile per $1 spent on all other purchases
• No annual fee or foreign transaction fee
• Reward bonus categories outside of United Airlines
• Robust travel protections for a no-annual-fee card
• No baggage or expanded award availability benefits like with other United cards
• Subject to Chase 5/24 rule.
• United perks: 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
• Other perks: Auto Rental Collision Damage Waiver, Trip Cancellation/Interruption insurance, Purchase Protection, Extended Warranty
• Foreign transaction fee: None

Why we like this card: The United Gateway card offers 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting plus 1 mile per $1 spent on all other purchases. Considering a United Mile is worth roughly around 1.2 cents these days, effectively earning 2.4 cents back on everyday purchases is a solid value proposition. 

You’ll also get a welcome bonus of 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. And, you can save with a discount of 25% back on United in-flight and Club Premium drink purchases. 

New cardholders will enjoy a 0% Intro APR on Purchases for 12 months, after 21.99%–28.99% variable applies.

If the United Gateway card has a small lead on the Delta Skymiles Blue Amex at this point, it soars ahead (pun intended) when you look at the included travel and shopping protections. Both cards offer secondary rental car insurance, but only the Gateway includes trip cancellation and interruption insurance, purchase protection and extended warranty protection. 

So, if you’re seeking a no-annual-fee card you can use to rack up miles—and you either tend to fly United most of the time or you’re at minimum not devoted to a competing airline—the United Gateway is the card to beat.

Check out our full review of the United Gateway Card for more info.

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

With a generous welcome bonus in exchange for an attainable spend amount, 3X on travel, and a fancy name, you’d think the Wells Fargo Autograph℠ Card would command an annual fee of at least $95. But it doesn’t, making it a superb candidate for general travel use.

Wells Fargo Autograph℠ Card

Intro bonus.

• 3X 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans
• 1X 1X points on other purchases
• No annual fee
• 20,000 bonus points when you spend $1,000 in purchases in the first 3 months (that's a $200 cash redemption value)
• Points transfer to partners
• Car rental insurance is secondary
• No travel insurance
• Transfer partners are limited
• Additional perks: Cell Phone Protection: Provides up to $600 in cell phone protection when you pay your monthly cell bill with your Wells Fargo Autograph card. Coverage is subject to a $25 deductible and limited to two claims every 12-month period.
• Foreign transaction fee: N/A

Why we like this card: The Wells Fargo Autograph offers unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans and even your landline bill too if you have one, plus 1X points on other purchases—all without charging an annual fee. And, to make traveling a little cheaper/less stressful, you’ll also get $600 worth of cell phone protection (minus a $25 deductible) as long as you pay your phone bill with this card and secondary rental car insurance. 

Cardholders can transfer points at a 1:1 ratio to Wells Fargo’s first wave of transfer partners including Air France‑KLM Flying Blue, Avianca Lifemiles, British Airways Executive Club, AerClub, and Iberia Plus and 1:2 to Choice Privileges. 

But even if you aren’t a member of those loyalty programs, earning 3X on dining, travel, gas, and more is hard to pass up. You can redeem points at a value of 1 cent each to offset past purchases on your account, meaning you can wield the Autograph either as a no-annual-fee travel card or as a cash-back card effectively earning unlimited 3% back in a wide swath of useful categories. 

Check out our full review of the Wells Fargo Autograph .

Sometimes, you just want a card that offers a little more than 1X on every purchase—without having to worry about what this quarter’s rotating rewards are, or whether a specific merchant qualifies as “groceries” for the purposes of your card’s rewards. If you value simplicity and the lack of an annual fee in your travel card, you’ll probably be a fan of the Capital One VentureOne Rewards Credit Card and its straightforward rewards program.

Capital One VentureOne Rewards Credit Card

Reward Rates

• 5x Earn 5x miles on hotels and rental cars booked through Capital One Travel
• 1.25x Earn 1.25x miles on every other purchase
• Flexible travel rewards
• No foreign transaction fee
• Maximizing Capital One Miles requires a learning curve
• Cash redemption value is limited
• The VentureOne offers travel accident insurance, rental car coverage, extended warranty protection, exclusive access to events through Capital One Dining and Capital One Entertainment

Why we like this card: The Capital One VentureOne Rewards offers 1.25X miles per dollar spent on everyday purchases and 5x miles on hotels and rental cars booked through Capital One Travel. That’s pretty much all that you have to remember. You can also get a nice welcome bonus of 20,000 miles after spending $500 on purchases within 3 months from account opening, which is a solid payout for a very attainable spending target. 

Capital One Miles can be transferred to well over a dozen airline and hotel partners, most at a 1:1 rate. Partners include Air Canada’s Aeroplan, British Airways Executive Club, Choice Privileges, Virgin Red, and Wyndham Rewards, among others. Other ways to book travel include redeeming miles through Capital One’s portal or making the purchase directly, paying with your card like normal, then using miles for a statement credit to cover the transaction. 

The Venture One also offers a 0% intro APR on purchases for 15 months (after that, the variable APR will be 29.99%). There’s an intro balance transfer fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open , then 4% per transfer for any promotional APR offered after. 

Come to think of it, provided you have the excellent credit needed to apply, the VentureOne could make a great travel companion for a grad student given its simplicity, lengthy intro APR period and low spending threshold required to trigger the welcome bonus.

Check out our full review of the Capital One VentureOne Rewards .

Frequently asked questions

Which card is best for international transactions without extra charges.

Zero foreign transaction fees is actually a common benefit among travel rewards cards, including many with no annual fee. For example, neither the Bilt Mastercard nor the United Gateway card charges a foreign currency conversion fee. 

What is the best travel credit card for a young person? 

If you’re still paying rent, the Bilt Mastercard is an excellent choice since it can generate points from rent payments which can then be transferred 1:1 to well over a dozen airline and hotel partners. If you’d prefer a card with a welcome bonus, which the Bilt card lacks, the IHG One Rewards Traveler card currently offers a massive welcome bonus for a no-annual-fee card—potentially worth hundreds of dollars toward a future IHG hotel stay. 

Is a travel card with an annual fee worth it?

Using a travel rewards card with an annual fee can be worth it as long as you’re extracting enough points and benefits to justify paying the fee each year. If you travel infrequently or just want one less fee to worry about, consider one of the no-annual-fee cards on our list above. But, the best perks and protections are typically available on cards with annual fees.

For example, the Capital One Venture X card offers a $300 annual travel credit for bookings made through Capital One Travel. If you use that every year, you’ve gone a long way toward offsetting the $395 annual fee. You also get 10,000 bonus miles, worth at least $100 toward travel, every year starting on your account anniversary.

Methodology

To bring you our top picks for the best travel rewards cards with no annual fee, the Fortune Recommends surveyed more than a dozen cards currently available from today’s top issuers. From there, we ranked each one based on the following core categories and weights:

• Welcome bonus (10%): Some cards—even those with no annual fee—offer welcome bonuses that you can earn once you make enough purchases within a certain time frame, such as spending $1,000 within three months of account opening.
• Travel earnings (25%): These are the point rewards you’d earn by making travel-related purchases (e.g. 3X on hotels, 2X on airfare).
• Car rental insurance (15%): Many, but not all travel-centric rewards cards include an auto rental collision damage waiver, which allows you to decline a portion of the rental company’s insurance and save potentially up to $30 per day. We gave extra consideration to if a card offers primary rental car insurance versus secondary, because primary kicks in immediately in a covered scenario—whereas secondary only applies after your own, personal insurance. 
• Travel insurance benefits (15%): Some travel rewards cards automatically apply trip cancellation/interruption insurance, lost/delayed luggage reimbursement and even travel accident insurance on travel bookings made using the card.
• Gas earning (5%): Since road trips remain a common form of travel, whether or not a card offers points rewards at the pump factored into our rankings.
• Dining earning (10%): If a no-annual-fee travel rewards card offered 2X or more on restaurant purchases it favored well in this category.

The remaining 20% was based on the card’s main focus: hotel, airline or general travel rewards. 

• For general travel—points transferrable to partners (20%): Points are literally worth more if you can transfer them to certain partners, so a card’s ability to transfer rewards to airline and hotel partners factored into our rankings.
• For hotel rewards—free award night with booking (20%): Some hotel rewards cards offer a BOGO-like perk where if you redeem a certain number of nights with points you get an extra tacked on for free.
• For airline rewards—ability to spend towards status (20%): Most airline rewards cards allow you to earn miles, but not all of them count those miles towards your next loyalty status. If a card treated them as “qualifying miles,” it fared better in this category.

Lastly, just keep in mind that virtually every aspect of a travel rewards card—from the rewards to the welcome bonus and fee structure—is subject to change, which could impact how many miles or points you earn. 

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

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

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

Guide to travel rewards credit cards

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