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6 Best Travel Credit Cards for Digital Nomads and Solopreneurs in 2024

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As a digital nomad or solopreneur, finding the right travel credit card can be challenging. Did you know that certain cards can offer lucrative benefits tailored to your unique lifestyle? This blog post is here to guide you through the maze of options with our top 6 picks for the best credit cards for nomads in 2024.

Let’s dive in!

Benefits for Digital Nomads to Choose a Travel Specific Credit Card

A woman working at a café with a laptop and travel credit card.Travel credit cards shower digital nomads and solopreneurs with a plethora of benefits. First and foremost, they offer significant savings on travel-related expenses, such as airfare and hotels.

These savings come in the form of rewards points which you can redeem for flights, stays at luxurious hotels, car rentals, or even cash back.

These cards are also lifesavers during emergencies while traveling. If your flight gets canceled or baggage is lost, some credit cards offer trip cancellation or interruption insurance.

They may even provide an emergency evacuation service if required.

Furthermore, many travel credit cards eliminate foreign transaction fees – a common pain point for frequent international travelers. Now you can feel free to shop around the world without worrying about extra costs on your purchases.

Last but an important benefit is access to luxury experiences – airport lounge access being one prime example! After long hours of work or tiring travels, who wouldn’t love relaxing in a comfortable lounge before the next journey? Some high-end cards offer complimentary access to lounges worldwide ensuring comfort wherever you go!

Choosing a travel credit card as a digital nomad or solopreneur not only eases your financial burdens but elevates your traveling experience too!

Best Credit Cards for Nomads Quick List

Here’s a quick look at our recommendations. Scroll down to read detailed reviews.

  • Maximize travel rewards with 100k bonus points and 3x select categories: Ink Business Preferred® Credit Card
  • Maximize your business expenses while enjoying exclusive travel benefits: The Business Platinum Card® from American Express
  • Earn unlimited rewards on every purchase for your business: Capital One Venture X Business
  • Get rewarded like never before with the ultimate travel credit card: Chase Sapphire Reserve®
  • Maximize rewards and luxury perks for digital nomad entrepreneurs: The Platinum Card® from American Express
  • Earn unlimited travel points on all purchases with no fees: Bank of America® Travel Rewards credit card

Comparison Table

Product Name

Annual Fee 

Credit Score Needed

New Cardmember Offer

Ink Business Preferred® Credit Card

$95

Excellent, Good

Earn 100,000 bonus points

The Business Platinum Card® from American Express

$695

Good, Excellent

Earn 120,000 Membership Rewards® points

Capital One Venture X Business

$395

Excellent

150,000 Miles

Chase Sapphire Reserve®

$550

Excellent

Earn 60,000 bonus points

The Platinum Card® from American Express

$695

Good, Excellent

Earn 80,000 Membership Rewards® Points

Bank of America® Travel Rewards credit card

$0

Excellent/Good

25,000 online bonus points

card_name

Maximize travel rewards with bonus_miles and 3x select categories.

Highlights

    • bonus_miles_full

    • Get rewarded for business expenses with 3x points on select categories

    • Annual fee of annual_fees provides access to valuable rewards and benefits

    • Credit needed: credit_score_needed – open to many applicants

    • Issued by Chase, a trusted name in banking and credit cards

    • FDIC member for added security and peace of mind.

Topping our list as the No.1 travel credit card for digital nomads and solopreneurs in 2024 is the Ink Business Preferred® Credit Card. Known for its multiplicity of rewards and benefits, this card is an invaluable tool for those with excellent to good credit scores. For starters, new cardholders can bank a whopping 100,000 bonus points bonus_miles_disclaimer — that’s equivalent to $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.

One of the standout features includes earning 3 points per $1 on the first $150,000 spent on travel and select business categories each year – perfect for business owners often on the go! Also noteworthy is its round-the-clock unusual purchase monitoring and zero-liability policy which adds an additional layer of security while traveling across different time zones. Last but not least, with long-lasting purchase protection against damage or theft up to certain limits makes it highly appealing to digital nomads who carry expensive gadgets around.

Priced at a reasonable annual fee of just annual_fees considering its plethora of perks tailored fit for travelers and entrepreneurs alike; it’s clear why we’ve selected the Ink Business Preferred® Credit Card as our top pick among the best credit cards for nomads, especially, out there today.

Additional Features

    • Get rewarded for your spending with impressive bonus points! Whether you prefer cash back or love to travel, these points can be converted into valuable rewards that will make a real difference in your wallet.

    • Imagine how quickly those reward points would add up—especially when traveling or making necessary business expenses! With this card, earning triple points is easy and rewarding!

    • Peace of mind with constant monitoring of your card activity to detect any suspicious transactions. 

    • Zero Liability policy ensures you won’t be held responsible for unauthorized charges made with your card or account information.

Cons

    • Annual fee of annual_fees

    • Limited acceptance for small businesses that do not frequently use travel or select business categories

    • Need to spend a large amount in the first 3 months to qualify for the bonus points.

The Ink Business Preferred® Credit Card is perfect for ambitious solo entrepreneurs and digital nomads who want to maximize their travel rewards. If you’re spending a lot on travel, then take advantage of the card’s large new cardmember bonus points, 3x points on select categories, and purchase protection while exploring the world in style. Apply now and start earning your dream trips with Chase Ultimate Rewards®!

card_name

Maximize your business expenses while enjoying exclusive travel benefits.

Highlights

    • Premium benefits and services tailored for business owners

    • Access to exclusive airport lounges worldwide

    • Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com

    • Up to $200 airline fee credit per calendar year

    • Complimentary Gold status with Hilton Honors™ and Marriott Bonvoy™

    • Concierge service available 24/7 for personalized assistance

The Business Platinum Card® from American Express has secured the second spot on our list of best travel credit cards for nomads and solopreneurs in 2024. This card’s robust feature set is specifically designed to reward business spendings, making it a perfect fit for entrepreneurs who are always on the move.

One of this card’s most impactful features is its generous welcome offer – bonus_miles_full. Notably, members also earn an impressive rate of 5X rewards points on flights and prepaid hotels booked through AmexTravel.com. For those big-ticket items common in business operations, such as construction materials or electronic goods, you can earn an upper hand with 1.5X points per dollar spent on eligible US suppliers and retailers or any purchase above $5000.

Adding more versatility to its portfolio, The Business Platinum Card® helps unlock over $1,000 in annual statement credits curated specifically towards biz-related expenditures. While en route between meetings across continents or states? Enjoy lounging luxuriously at more than 1400 locations worldwide under The American Express Global Lounge Collection®, all thanks to your Business Platinum Card®! Designed for excellent credit score holders ready to tackle a higher annual fee (annual_fees), this card packs quite a punch when it comes to delivering value back into your growing venture while satiating your wanderlust effortlessly! Thus clearly justifies why we placed “The Business Platinum Card® from American Express” as No.2 amongst six promising contenders targeting modern-age travelers.

Cons

    • High annual fee: The Business Platinum Card from American Express has a high annual fee, which may not be affordable for all businesses.

    • Limited acceptance: American Express is not as widely accepted as Visa or Mastercard, so there may be instances where the card cannot be used for certain purchases.

    • Reward limitations: Although the card offers generous rewards on specific categories, such as flights and hotels, there are limitations on earning points for other types of purchases.

The ideal customer for The Business Platinum Card® from American Express is a savvy and ambitious business owner or freelancer. With its generous rewards, statement credits, and travel benefits, this card is perfect for those who prioritize maximizing their expenses while on the go.

card_name

Earn unlimited rewards on every purchase for your business.

Highlights

    • High earning potential: Earn 2X Miles on every purchase, making it easy to accumulate rewards quickly.

    • Generous sign-up bonus: bonus_miles_full, giving you a head start on your travel goals.

    • Exclusive travel benefits: Get 5X Miles on flights booked through Capital One Travel and 10X Miles on hotels and rental cars booked through Capital One Travel.

    • Excellent credit required: This card is designed for individuals who have excellent credit scores.

    • Pay-in-full requirement: Full payment of the balance due every month ensures you won’t accrue interest charges.

Taking the third spot on our list for its strong package of travel benefits, the Capital One Venture X Business credit card is tailored towards those who frequently travel for work and leisure. This card offers unlimited 2X miles on all purchases, translating into substantial rewards for digital nomads and solopreneurs who enjoy flexibility in their spending patterns. An outstanding bonus new cardmember offer that sets this card apart is the opportunity to earn an amazing bonus_miles_full.

Venture X Business isn’t just about earning miles; it also enhances your traveling experience with practical perks such as a $100 statement credit on TSA PreCheck® or Global Entry and offering complimentary access to over 1,300 lounges worldwide. Plus, each anniversary year adds another sweetener by providing users with 10,000 bonus miles and a $300 booking credit when using Capital One Travel. The cherry-on-top? You’ll get generous returns when booking flights (5X), hotels and rental cars (10X) through this avenue too! While there’s an annual fee of annual_fees attached to it- given its hefty reward structure – we believe this business-focused travel card proves itself worthy of investment.

In today’s digital age where solo entrepreneurs require tools that bring not only convenience but also opportunities for growth while they explore the globe – Venture X Business stands out as an excellent companion boasting unbeatable rewards alongside compelling givebacks designed specifically with these travelers in mind. Digital nomads will find added utility in features like expense tracking via seamless syncing options between transaction data and accounting software—proof that thought has gone into equipping businesses with efficient solutions that make financial management less daunting while maximizing returns from corporate expenditures.

Additional Features

    • This card has no preset spending limit: Say goodbye to worrying about hitting your credit limit with the Capital One Venture X Business card. It offers flexible spending power that adjusts to fit your business needs, giving you peace of mind when making large purchases or managing variable expenses.

    • Transfer your miles to any of the 15+ travel loyalty programs: Make jet-setting for work (or pleasure) even more rewarding by using your earned miles towards flights and accommodations. Transfer those hard-earned rewards to a  worldwide travel partner for even greater flexibility and redemption options.

    • Empower your teams to make business purchases while earning rewards on their transactions with free employee and virtual cards.

Cons

    • High annual fee

    • Limited acceptance for certain businesses and vendors

    • May not be suitable for small businesses with low spending volume

The Capital One Venture X Business is perfect for the digital nomad or solopreneur who desires flexibility, rewards, and seamless expense management while on the go.

card_name

Get rewarded like never before with the ultimate travel credit card.

Highlights

    • Excellent credit is required to qualify for the Chase Sapphire Reserve®.

    • The card does not offer a purchase introductory APR.

    • The regular APR varies between reg_apr,reg_apr_type and is subject to change based on market conditions.

    • There are no foreign transaction fees when using the card overseas or making purchases in foreign currencies.

    • The card provides access to unique travel benefits, including airport lounge access, travel credits, and priority boarding.

    • Customers can earn rewards points on every eligible purchase with the card’s generous rewards program.

Digital nomads and solopreneurs with a passion for travel will find Chase Sapphire Reserve® a remarkably beneficial tool. This luxury credit card provides an impressive 5x points on flights and 10x points on hotel stays or car rentals when purchases are made through the Chase Ultimate Rewards® program. To put that into perspective, if you’re someone who is constantly on the move, those rewards can add up to significant savings over time.

One outstanding feature of this credit card is its $300 annual travel credit which essentially serves as reimbursement for any travel-related purchase charged to your card throughout the year – this could be anything from flight tickets to AirBnB bookings. Coupled with additional perks like access to airport lounges worldwide via Priority Pass™ Select and application fee credits for Global Entry or TSA PreCheck®, it ensures smoother travels.

However, it’s worth noting that while these benefits offer great value, they come at an annual fee of annual_fees which makes sense only if you’re a frequent traveler spending significantly in these categories.

Additional Features

    • Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases: Not only do you earn bonus points on flights, hotels, and car rentals, but you also earn triple the points on other travel expenses like train rides or cruises, as well as dining at restaurants. Plus, for every dollar you spend outside of travel and dining categories, you’ll still earn one point. It’s like getting rewarded for every purchase!

    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®: The value of your reward points just got even better! When it’s time to redeem them for that dream vacation or a weekend getaway, use
  •  

Cons

    • High annual fee

    • Limited travel partners compared to other premium credit cards

    • Not ideal for consumers who don’t frequently travel or dine out

Attention digital nomads and solopreneurs, the Chase Sapphire Reserve® is the ultimate travel credit card for those who value luxury and convenience. With unbeatable rewards on flights, hotels, and dining, as well as exclusive access to airport lounges and valuable traveler benefits, this card is a must-have for anyone looking to elevate their travel experience. 

card_name

Maximize rewards and luxury perks for digital nomad entrepreneurs.

Highlights

    • No foreign transaction fees: Use your card while traveling abroad without incurring extra charges.

    • Exclusive perks and benefits: Enjoy access to luxury airport lounges, travel credits, hotel upgrades, and more.

    • Concierge service: Access a team of experts who can assist with travel bookings, event planning, dining reservations, and more.

    • Global assistance hotline: Get support 24/7 in case of emergencies or travel mishaps.

    • Rewards program: Earn points on every purchase that can be redeemed for flights, hotels, gift cards, and more.

    • Premium customer service: Receive personalized attention from dedicated customer service representatives.

The Platinum Card® from American Express shines when it comes to amassing rewards on travel bookings, making it an excellent choice for digital nomads and solopreneurs who frequently take to the skies or stay at hotels. With this card in your wallet, you can earn 5X Membership Rewards® Points on airline tickets booked directly with airlines or through American Express Travel up to a whopping $500,000 per calendar year. Additionally, prepaid hotel stays booked with American Express Travel also qualify for 5X points.

Beyond accumulating points quickly, the card offers a lineup of annual statement credits that can effectively offset its steep annual_fees annual fee if fully utilized. For example, enroll and get up to $20 back each month as statement credits when paying for Disney+, ESPN+, Hulu and more with your card. Furthermore, the $200 Hotel Credit towards Fine Hotels + Resorts® or The Hotel Collection bookings is particularly valuable if you have high-end tastes in accommodations.

Lastly, for people constantly on the move (like many of us), there’s an annual credit of up to $100 that can go towards covering Global Entry application fees – helping expedite those pesky airport security lines! Given these features catered specifically towards frequent travelers paired with its impressive rewards structure on travel expenditures make The Platinum Card® from American Express a top pick among Best Travel Credit Cards for Digital Nomads and Solopreneurs in 2024.

Additional Features

    • bonus_miles_full: With this feature, you can quickly accumulate points that can be redeemed for travel rewards, gift cards, and more. It’s a great way to make the most out of your everyday spending.
  •  

Cons

    • High annual fee

    • Limited acceptance of American Express compared to Visa or Mastercard

    • Minimum spending requirement of $8,000 in the first 6 months to earn the sign-up bonus.

The Platinum Card® from American Express is the perfect choice for savvy travelers and entrepreneurs looking to maximize their rewards and benefits. 

card_name

Earn unlimited travel points on all purchases with no fees.

Highlights

    • No foreign transaction fees: Use your Bank of America® Travel Rewards credit card anywhere in the world without worrying about additional charges.

    • intro_apr_rate,intro_apr_duration: Enjoy interest-free purchases for over a year after opening your account.

    • Variable APR: Benefit from flexible interest rates based on your creditworthiness and financial situation.

    • credit_score_needed credit needed: This card is designed for individuals with strong credit histories, allowing them to access its exclusive perks and benefits.

    • Travel rewards: Earn points that can be redeemed for travel expenses such as flights, hotels, rental cars, and more.

    • Wide acceptance: The Bank of America® Travel Rewards credit card is widely accepted wherever Visa® cards are taken.

The Bank of America® Travel Rewards credit card strikes a balance between affordability and benefits, making it an excellent choice for digital nomads and solopreneurs in 2024. With no annual fee or foreign transaction fees, this is the perfect companion for those who prefer global work spaces. Unlike other cards that restrict point redemption to specific websites with blackout dates, you’re free to book your travels as per your convenience. Plus, you earn unlimited 1.5 points per $1 spent on all purchases; these points do not expire and can be redeemed as statement credits towards travel or dining expenses.

One key highlight includes obtaining mega benefits right from the start – earn bonus_miles_full. That is a
statement credit toward travel costs like flight tickets or hotel stays – a nice financial boost for any traveler! Preferred Rewards members have even more perks; they can earn from 25% to 75% extra on every purchase!

For financially savvy digital nomads and solopreneurs seeking ways to adopt cost-effective traveling methods while also enjoying rewards programs, the Bank of America® Travel Rewards credit card is definitely one option worth considering in their portfolio for its generous rewards rate, convenient redemption options and zero additional costs when used internationally.

  •  

Cons

    • Limited to redeeming points for travel or dining purchases, may not be suitable for those looking for more flexible redemption options.

    • The bonus points require a minimum spending requirement in the first 90 days, which may be difficult for some cardholders to meet.

    • While Preferred Rewards members can earn more points on every purchase, this benefit is only available to a specific group of customers and may not be accessible to all cardholders.

The Bank of America® Travel Rewards credit card is perfect for the travel-savvy individual who wants to earn points on all purchases without restrictions or fees. Whether you’re a digital nomad or solopreneur, this card can help you save money on your travels through its generous rewards program and statement credits. 

 

Factors to Consider When Choosing a Travel Credit Card

Best Travel Credit Cards for Nomads

Choosing the right travel credit card is a game-changer for digital nomads and solopreneurs. It’s not just about earning points, but also enjoying unrivaled perks like exclusive lounge access and premium loyalty status with hotel chains.

And when it comes to choice, the Ink Business Preferred® Credit Card and The Business Platinum Card® from American Express are two stellar options that offer substantial rewards on every dollar spent, making them perfect for high-spend businesses or frequent travelers.

Don’t let your travel be just another expense; make every journey rewarding!

 

FAQ

Using a travel credit card can provide perks such as rewards points for travel expenses, airport lounge access, travel insurance coverage, and the ability to earn cashback on purchases.

 

 

When choosing a travel credit card, consider factors such as annual fees, interest rates, reward programs, foreign transaction fees, and any additional benefits that align with your specific travel habits and preferences.

 

 

Typically, to apply for a travel credit card, you need to meet certain eligibility criteria set by the provider such as having a good credit score and meeting minimum income requirements.

 

 

Many travel credit cards are designed to be used internationally without incurring additional foreign transaction fees. However,it is always recommended to check with your bank or provider beforehand.

 

 

If your travel credit card gets lost or stolen while traveling abroad,you should immediately contact your bank or provider’s customer service helpline to report it and deactivate the account. They will assist you in blocking unauthorized transactions and guide you on obtaining a replacement card quickly.

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Dayvee Sutton is a national TV correspondent, host, and top expert who covers travel experiences, local cultures, and the environement.

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