Best Credit Cards for Digital Nomads

Are you a digital nomad or entrepreneur who travels often or for long stretches? If so, you need a credit card that not only gives you access to your money but also helps you earn rewards and keeps you protected while you’re on the move.

We’ve put together a list of the best credit cards for nomads, tailored for high-net-worth entrepreneurs and frequent travelers. At Nomad Capitalist, we understand the nomadic lifestyle because we’ve helped hundreds of individuals create financial strategies that let them go where they’re treated best.

Top Credit Cards for Digital Nomads

Also Read: Best Co‑Working Spaces for Digital Nomads

Why These Cards Are Great for Nomads

Barclays AAdvantage® Aviator® Red World Elite Mastercard

• Earn up to 50,000 bonus miles.
• Get 2x miles per $1 spent on American Airlines and partner airlines.
• Every other purchase earns 1 mile per $1.
• Comes with perks like priority check-in, lounge access, and complimentary upgrades with American and Alaska Airlines.

American Express Platinum Card

• Get an 80,000-point welcome bonus ($1,600 value) when you spend $6,000 in six months.
• Perks include Uber Cash (up to $200), priority lounge access, elite hotel status, and travel protection.
• Earn 5x points per $1 spent on flights booked directly with airlines or American Express Travel (up to $500,000 per year).
• No foreign transaction fees.
• One of the few cards that allow payments from a foreign bank account.

Chase Sapphire Reserve® Credit Card

• Earn 60,000 bonus points ($1,200 value) when you spend $4,000 in the first three months.
• Earn points quickly on hotels, car rentals, and dining.
• Additional benefits include $300 annual travel credit, airport lounge access, special car rental privileges, and luxury hotel perks.
• No foreign transaction fees.
• One of the most popular choices for digital nomads.

We also rank Chase as the best U.S. bank for non-U.S. citizens in our guide to offshore banking.

Also Read: How Much Does it Cost to be a Digital Nomad?

Cards to Avoid for Digital Nomads

Not all credit cards are great for travelers. Here are some you might want to skip:

Capital One Venture Rewards Credit Card

• Doesn’t offer competitive travel rewards or perks like complimentary flights.
• Foreign transaction fees make it less attractive for international travelers.
• Better options exist for earning points and miles, especially for first-class flights.

Ally Platinum Mastercard

• Good for building credit but lacks travel benefits.
• Best suited for everyday spending at home, like gas, groceries, and drugstores.

Charles Schwab Cards

• Decent for investors but limited for nomads.
• Only offers basic checking and savings accounts.
• Better options exist for earning cashback, rewards, and sign-up bonuses while traveling.

Alternative Banking Options for Nomads

If you prefer a debit card or want flexible international banking options, here are some great alternatives:

DBS Visa Debit Card

• Great cashback options for food delivery, transport, and foreign currency spending.
• Requires a minimum monthly spend of S$500 ($373.87).
• Monthly cash withdrawal limit of S$400 ($299.09).
• Multi-currency support makes it a strong choice over U.S.-based options.
• Popular among high-net-worth individuals for its investment options and secure banking.

Revolut

• A fast-growing international fintech company with flexible plans.
• Premium and Metal plans offer travel perks like medical insurance, trip cancellation coverage, and lost baggage protection.
• Prepaid debit card linked to a bank account with no minimum opening deposit.
• Great for international money transfers in 30+ currencies.
• U.S. customers can receive paychecks two days early with direct deposit.

Also Read: Best Countries for Digital Nomads in 2025

Want to Keep More of Your Wealth?

We specialize in helping high-net-worth entrepreneurs and investors create global financial strategies, including offshore banking, asset protection, and legal tax reduction.

If you’re thinking about going offshore, save yourself the hassle. Talk to the experts at Nomad Capitalist and get it right the first time with a Nomad Capitalist Action Plan.