The Best Cards for Solo Travelers: A Comprehensive Guide

Are you planning an exciting solo adventure but unsure about which card to use abroad? Don’t worry, we’ve got you covered!

In this article, we’ll explore the best card options for travelers, ensuring you have a seamless and budget-friendly experience. Whether you’re an American, European, or Canadian traveler, there’s a suitable card for you.

Why Choosing the Right Card Matters

Before we dive into the specific card recommendations, let’s understand why choosing the right card is crucial. When traveling solo, having a card that is widely accepted and offers fair exchange rates is essential.

It gives you peace of mind while exploring new destinations and ensures you don’t have to worry about foreign currency hassles.

Consider Using a Commonly-Accepted Credit Card

If you already have a commonly-accepted credit card or charge card, such as Visa or Mastercard, it should work seamlessly almost anywhere in the world. These cards typically offer fair exchange rates for foreign transactions.

It’s worth noting that American Express cards are not widely accepted outside the US. So, if you have an American Express card, it’s wise to have a backup option.

Check Your Debit Card Options

If you prefer using a debit card linked directly to your home bank account, you’re in luck! Most debit cards work fine abroad, but it’s essential to confirm with your bank first. Check if your card allows both payments and withdrawals internationally. Additionally, inquire about any fees associated with foreign transactions.

Banks may have international networks that offer free withdrawals at partner banks’ ATMs. For example, Bank of America in the US has partnerships with Scotiabank in Canada, Barclays in the UK, BNP Paribas in France, and Deutsche Bank in Germany. Research if your bank has similar partnerships to take advantage of fee-free withdrawals.

Consider Additional Cards for Better Benefits

If your debit card offers poor rates or high fees for international payments, consider applying for a credit card or secondary bank account with better foreign transaction fees. Having a secondary bank account or credit card dedicated to travel can be highly beneficial. It helps with budgeting, as you can deposit only the amount you need for your trip.

Furthermore, a separate travel card ensures that if your card is stolen or compromised, the thieves won’t have access to your main bank account. Now that we’ve covered the basics, let’s explore some recommended travel cards for different regions.

Recommended Cards for Your Solo Adventure

1. For Americans: Charles Schwab Debit Card

The Charles Schwab debit card is an excellent option for US travelers. It goes above and beyond by actively refunding any ATM or transaction fees incurred abroad. This perk can save you a significant amount of money, making your solo trip even more enjoyable.

2. For Brits/Europeans: Revolut or N26

For those traveling from the UK or Europe, two popular choices are Revolut and N26. These “travel cards” offer low or no fees for foreign currency transactions and withdrawals.

With these cards in your wallet, you can explore new countries without worrying about excessive fees eating into your budget.

3. For Canadians: Brim MasterCard or Home Trust Visa

Canadian travelers can take advantage of several 0% foreign transaction fee credit cards, including the Brim MasterCard and the Home Trust Visa.

While 0% FX bank accounts are not available in Canada (most charge the standard 2.5%-3.5%), some premium accounts waive the flat fee per foreign ATM transaction if you maintain a minimum balance. Check out a comprehensive list of options to find the one that suits you best.


Choosing the right card is a crucial aspect of planning your solo travel adventure. Whether you’re an American, European, or Canadian traveler, there are options available to ensure you have a seamless and financially beneficial experience.

Consider the recommendations provided in this guide, and find the card that aligns with your needs. With the right card in hand, you can focus on enjoying your journey and creating unforgettable memories.