nedbank free travel insurance

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Things to know before you apply for Travel Insurance

As a Nedbank credit and cheque cardholder, between the ages of 3 months and 89 years old inclusive, you qualify for cover when you use your Nedbank credit and cheque card to buy your return travel tickets (Excluding Dezign, Keyona and Gold Lite products).

Claims are subject to an assessment. Valid claims will be paid out, according to the policy agreement once we’ve received all the required documents.  

Apply now using the following channels

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Bryte Insurance Company Limited is a licensed insurer and authorised FSP (17703)

Nedbank Travel Insurance

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Nedbank Group primarily operates in South Africa, but it is continually expanding into the rest of Africa.

The group operates in five countries in the Southern African Development Community through subsidiaries and banks and has an alliance with Ecobank Transnational Incorporated in Central and West Africa. As of December 2022, the group had total assets worth R1,3 trillion, assets under management worth R393 billion, and 624 outlets.

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Nedbank has demonstrated its commitment to sustainability through various initiatives. One of its sustainability initiatives is the Nedbank Affinity Programme. The programme allows customers to support a worthy cause close to their heart at no cost to them by simply opening a Nedbank Affinity-linked savings and/or investment account.

One of the Affinity options is the Green Affinity. By selecting this option, customers can support the preservation and conservation of the environment. Nedbank has been a leader in sustainable banking practices and has taken significant steps to reduce its carbon footprint. The Green Affinity initiative is another step towards creating a sustainable future. Through this initiative, they’ve partnered with various environmental organisations to create awareness and support the preservation of the environment.

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Lastly, customers can select the Sport Affinity option to support sport development in South Africa. The initiative supports various sports development projects and organisations, including those that provide opportunities for disadvantaged communities to participate in sports.

Nedbank Services

Nedbank offers a range of affordable personal insurance options to cover everything from funeral expenses to car and home contents.

They also provide life insurance options for events like disability, retrenchment, illness, and death. Credit life insurance is available for loans, overdrafts, credit cards, and finance.

Nedbank also provides comprehensive and top-up travel insurance cover. Customers benefit from added perks, discounts, and 24/7 services.

Travel cover essentials: What you need to know 

Whether you’re tanning while enjoying a coastal breeze or exploring a magnificent metropolitan city, Nedbank's travel insurance covers you against delayed flights and/or lost luggage. As a Nedbank customer, you automatically qualify for local and international travel insurance when you purchase return flight tickets on your Nedbank credit or cheque card. Even if you're not a Nedbank customer, you still have the option to take out travel insurance.

What’s included in your cover

Nedbank's travel insurance includes free 24-hour emergency assistance, anywhere in the world. If you want additional protection, you can add emergency medical cover, which includes loss of or delay on your luggage, missed travel connections, ticket upgrades, and pre-existing medical conditions.

Senior travellers between the ages of 75 and 89 are also covered, and regular travellers between the ages of 3 months and 74 years can get discounts when they travel. Additionally, embassy letters can be arranged for you.

It's an excellent option for those seeking affordable and flexible coverage for their travels. The insurance provides automatic coverage when purchasing return flight tickets with your credit or cheque account will allow you to add additional cover for medical emergencies and pre-existing medical conditions.

Additionally, travellers can enjoy discounts on regular travel, and senior travellers up to the age of 89 are also covered. With free round-the-clock assistance for emergencies, travellers can have peace of mind, knowing they're covered in case of any unexpected events.

Why Nedbank’s travel cover is so important

Nedbank's travel cover is essential because it provides peace of mind when travelling, knowing that unexpected events such as medical emergencies, lost luggage, or missed connections are covered.

Even if you're a seasoned traveller, it's impossible to predict what might happen while abroad, and the cost of dealing with such situations can be significant. With Nedbank's travel insurance, you can be prepared for the unexpected and enjoy your travels with confidence, knowing that you're covered.

Nedbank – Travel insurance

• Product Travel Insurance
• Travel Insurance They offer automatic travel insurance coverage if you purchase return flight tickets with your Nedbank credit or cheque card.
• Extra Protection You have the option to add extra protection to your insurance coverage. This includes emergency medical cover, coverage for pre-existing medical conditions, and the arrangement of embassy letters.
• Discounts Regular travellers between the ages of 3 months and 74 years can enjoy discounts on their travel insurance. Senior travellers between the ages of 75 and 89 are also covered.

Benefits of Nedbank

• They provide peace of mind for you, knowing that you’re protected against various travel-related risks like lost luggage, medical emergencies, or missed connections.
• By automatically qualifying for travel insurance when purchasing return flight tickets with your Nedbank credit or cheque card, you can save on the cost of buying separate travel insurance policies. 
• They offer the flexibility to top up travel insurance coverage based on your individual needs. You can add extra protection for medical emergencies, and pre-existing conditions, and arrange embassy letters as required.
• With free 24-hour access to emergency assistance, you can have peace of mind knowing that help is just a phone call away.

Nedbank's automatic travel insurance cover: What you need to know

With Nedbank, you automatically qualify for international and local travel insurance when you purchase return tickets on your Nedbank credit or cheque card.

This travel insurance covers you for unforeseen events that could occur while traveling such as lost luggage, missed travel connections, and medical emergencies.

What does your Nedbank travel cover include?

Even if you don't use a Nedbank credit or cheque card to purchase your travel tickets, you can still take out travel insurance. This travel cover includes free 24-hour access to emergency help no matter where you are across the globe.

If you require extra protection, you can top up your cover to include emergency medical cover, pre-existing medical conditions, and embassy letters. With Nedbank's travel cover, you can enjoy your travels with peace of mind knowing that you are covered in the event of unforeseen circumstances.

Does Nedbank’s travel cover need to be topped up?

Whether or not to top up your Nedbank travel cover would depend on your personal circumstances and preferences. 

If you feel that the automatic cover provided by Nedbank is sufficient for your travel needs and you don't have any pre-existing medical conditions, then there may be no need to top up your cover.

However, if you are planning a trip that involves higher-risk activities, such as extreme sports, or you have pre-existing medical conditions that may require additional coverage, then it may be worth considering the top-up options offered by Nedbank.

Additionally, if you’re planning to take an expensive trip or have valuable items with you, such as expensive camera equipment or jewellery, it may be a good idea to top up your coverage to ensure that you are fully protected in the event of loss or theft.

Nedbank is a trusted & reliable provider of travel insurance

In our review, we found  Nedbank to be a company licensed to provide  travel insurance products and services, and is regulated under the Financial Sector Conduct Authority .

✅ Nedbank is a registered and licensed insurance provider in South Africa: NCRCP61

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Nedbank Travel Insurance

Contact details.

You qualify for automatic local and international travel insurance when you buy return travel tickets using your Nedbank credit or cheque card. And even if you don’t, you still have the option to take out travel insurance.

Nedbank travel insurance includes free 24-hour emergency assistance, no matter where in the world you are. And if you want extra protection, you can easily top up your cover to add:

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International travel services and benefits

International travel made easy, comfortable and stress-free with Nedbank Private Wealth’s travel benefits and services.

International travel made easier, cheaper, and less-stressful. Travelling abroad can be daunting. Let us help you with our various services and benefits available to you as our client.

Download our handy guides below on how to access these benefits.  

As part of our high-net-worth banking offering, Nedbank Private Wealth offers the prestigious Visa Infinite card , Visa’s top-tier card. The card gives you access to a range of local and international benefits, offering ultimate convenience, peace of mind and service excellence, wherever you are.  

Click here  to read about the Visa Infinite card's wide range of worldclass travel, insurance and lifestyle benefits.  

Travel deals for Nedbank Private Wealth cardholders We are offering Nedbank Private Wealth cardholders access to a variety of accommodation specials and discount packages. Click here to view the travel deals that are currently available .

More Nedbank Private Wealth benefits and services to leverage.  

Click on the links below to download our guides on how to access these benefits:  

Important information to remember when buying foreign currency:

• You can buy foreign currency only up to 60 days before your departure date.
• You need to provide a copy of your passport and airline ticket.
• Your airline ticket must indicate you are departing from South Africa.
• You must cash out any unused currency within 30 days of your return date.
• You can transfer currency from your foreign currency account to your Nedbank Travel Card.

Want to know more? Here's what to do:

• Contact your wealth manager.
• To find out more about our rewards and benefits, click here .
• If you're interested in what we can offer you, we would love to hear from you. You can call us on 0860 111 263 or complete an online contact form .

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• PERSONAL Personal Private Wealth Business Corporate

Bank your way with low fees and extra benefits.

Enjoy 55 days’ interest free credit and other benefits.

Bank on any device, from anywhere at anytime.

Move your salary and debit orders over easily.

Protect yourself against the latest schemes and scams.

Buy, transfer or shop globally with a travel card.

More rewards at every level as you spend and invest.

• Explore Bank

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Global travel insurance with 24-hr emergency assist.

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4 types of travel insurance and what they cover

Staff writer

Posted 15/09/2022 Updated 13/03/2023 4 mins

Travelling for business, or taking a holiday abroad? You need emergency cover.

Travel insurance is essential if you’re visiting a foreign country, for the same reason it’s a good idea to have health insurance and cover on all your possessions here in South Africa. If disaster strikes when you’re far from home, with your whole life wrapped up in a suitcase and a few electronic devices, it’s even more important that you have access to help that gets you out of a jam.

International travel adds a few twists to the general risks you need to insure against at home. Fire or theft could deprive you of vital possessions or documents – but in a remote location, where they’re harder to replace. A natural disaster might force you to flee accommodation that you’ve already paid for – with no family or friends to take you in as they would at home, you’d be faced with the added expense of finding alternative lodgings. Illness or injury could leave you in need of private medical care – without insurance, the cost of a medical emergency could blow your holiday budget overnight.

Here are 4 types of travel insurance to consider before you take your next business trip or holiday abroad:

1. Trip cancellation or interruption cover

Imagine this: you’re enjoying a sun-drenched family holiday on a tropical island when you get warned that a tropical storm is heading your way. You must evacuate and find alternative accommodation somewhere safe. Since your trip is a non-refundable package deal that you paid for in advance, you now have a serious hole in your budget for the rest of the year.

Not if you have cancellation cover – an insurance policy that refunds you the non-refundable and unused portion of your travel costs if you need to cancel your trip due to an unforeseen event.

2. Medical emergency cover

Say you’re on a business mission abroad, and your hosts invite you for a hike along a beautiful local trail. You slip and break your ankle – requiring an expensive trip to hospital that you can’t afford.

You can get comprehensive cover for all kinds of travel emergencies

That’s when you need emergency medical insurance that helps cover the reasonable costs of treatment for injury or sudden illness. You should note that some cheque and credit card accounts give you this benefit automatically, and your medical aid package might also include emergency care during international travel. It’s worth checking, because if you don’t have cover included in your account or insurance packages, it’s vital to have a policy in place before you travel overseas.

3. Baggage and personal items cover

You’re busy wrangling travel-weary kids in the arrivals terminal, and you don’t notice an unscrupulous character lifting your luggage from the carousel. When your bags never arrive, you’ve lost everything you need for the rest of the trip – including important paperwork.

If you have baggage and personal items cover, what could be a catastrophe becomes more of an inconvenience. If your luggage is delayed, the insurance may cover reasonable expenses to carry on with your journey without your luggage for a while. However, if your baggage is lost or stolen, it will usually cover the cost to replace the bag and its contents up to a specified limit.

4. All-inclusive insurance

This is a blanket travel insurance that covers all the above. Depending on the package you take, you can get comprehensive cover for all kinds of travel emergencies. However, benefits, terms and conditions and benefit limits differ between insurers, so make sure that you understand the terms and conditions of the travel insurance plan that you buy thoroughly.

As a Nedbank credit or cheque cardholder, you may qualify for up to 30 days basic travel insurance for both local and international journeys when you buy your return travel tickets with your Nedbank credit or cheque card.

Nedbank offers individually tailored travel insurance policies to protect you against all the risks outlined above, subject to the  terms and conditions.   Send us your details  and our insurance experts will give you a call at your convenience to discuss your travel risks and how to mitigate them.

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Table of Contents

What does credit card travel insurance cover?

Credit cards with free travel insurance, how to file a claim when using credit card travel insurance, why won't my credit card insurance cover my trip.

Increasingly, more Americans are jumping on the travel insurance train. Almost half (44%) of U.S. travelers say they are more likely to purchase travel insurance for their trips now compared to before the pandemic, according to a July 2022 AAA survey of more than 5,000 American adults.

But there's a good chance you can get travel protections without buying a separate travel insurance policy. That's because many credit cards provide travel insurance as a built-in benefit to customers.

Credit card travel insurance is comparable to standard travel insurance, which you'd purchase through a typical travel insurance company, like Allianz or World Nomads .

But while standard trip insurance requires you to go through the work of actually acquiring a plan, your credit card's travel insurance provides automatic coverage — as long as you pay for the trip using a card that offers the benefit.

Standard trip insurance is typically priced between 5% and 10% of your total trip cost, according to insurance comparison site Squaremouth. However, exact costs vary based on factors such as your age, type of trip, duration and expense. With credit card travel insurance, the type of insurance coverage and the maximum dollar amount covered can vary.

In general, expect coverage between $6,000 and $20,000 per trip among cards with trip cancellation and interruption benefits. For other types of coverage, like baggage delay, it's typically less. For example, lost luggage insurance coverage of up to $3,000 per passenger is standard, and travel accident insurance typically covers between $500,000 and $1 million.

» Learn More: How to find the best travel insurance

Travel insurance is a broad umbrella term, and some credit cards provide greater degrees of coverage than others. For example, cards with higher annual fees tend to offer more coverage with higher dollar values.

Common types of credit card travel insurance coverage are:

Baggage delay. If your checked bags don't show up at the carousel, this coverage will reimburse you for necessities such as clothing, toiletries, etc.

Lost/damaged baggage. If your bags are lost or damaged by a carrier (or perhaps articles have been stolen from your luggage), you will be reimbursed for the lost/stolen items.

Trip delay. Suppose you're delayed for a covered reason. In that case, you can receive monetary compensation for meals, hotels, transportation and other covered purchases made due to the delay, like an extra night's stay at a hotel.

Trip cancellation. If you need to cancel a prepaid, nonrefundable trip, you may receive compensation to offset the lost funds. This benefit generally applies to cancellations for covered reasons, which vary by card.

Trip interruption. Maybe you're already on a trip, and plans changed midway. You can be reimbursed for any unused, prepaid, nonrefundable reservations for a covered reason.

Read your card's terms to see which types of incidents are covered — and the maximum dollar value they'll pay.

» Learn More: How does credit card travel insurance work?

Some credit cards also provide rental car insurance

Similarly, some credit cards offer complimentary rental car insurance , which can be primary or secondary to your personal auto insurance, depending on the card. Coverage is typically a collision damage waiver or loss damage waiver, meaning you're covered for costs to repair or replace your rental car if there was a crash or it was stolen.

The insurance might also cover related costs, such as towing expenses and administrative fees.

Typically, you must pay for your car rental with a credit card that offers the coverage and decline the rental car company's collision coverage to get this benefit. This type of coverage usually won't cover liability and injury, which comes into play if your car damages other property or hurts you or someone else.

In addition, it generally won't cover loss or theft of personal belongings inside the car, so don't expect relief if someone breaks into your rental car and steals the suitcase you had sitting on the seat.

And take heed if you're renting from a nontraditional rental car company, like Turo or Getaround. Peer-to-peer car rentals are not likely to be covered by credit card rental insurance .

These travel reward credit cards come with different types of trip insurance protection. Only one (the United Gateway℠ Card ) has no annual fee; several others come with it included in its suite of benefits.

United Gateway℠ Card : This card has a $0 annual fee and includes trip cancellation/interruption and rental car insurance.

Chase Sapphire Preferred® Card : Although it comes with a $95 annual fee, there are half a dozen trip-related benefits including trip cancellation and interruption, baggage delay, lost luggage and travel accidents.

Capital One Venture Rewards Credit Card : This card will cover lost luggage, rental car insurance and travel accident insurance. The annual fee is $95 .

» Learn More: 10 Credit Cards That Provide Travel Insurance

If your trip is canceled or delayed due to a reason that is covered, you'll need to file a claim to get reimbursed, which can typically be done through your credit card issuer's website.

You likely won't deal with your credit card company but rather the insurer itself. Most benefits are underwritten and managed by third-party insurance companies. Be prepared with paperwork to show proof.

The window to make a claim can be short. For instance, for Chase, it is up to 20 days after the occurrence — so don't wait. You'll typically have more time to provide documentation, which is 90 days for Chase.

Documentation requirements vary, but you'll likely need to provide the following to get reimbursed:

Proof of your covered reason (such as a doctor's note or a death certificate).

Receipts for your expenses.

A copy of your account statement reflecting those charges.

A copy of the cancellation or refund policies of your travel provider.

Travel insurance can be a lifesaver in covered situations. But many problems that come up during your trip, which you might expect to be covered for, don't fall neatly within the lines of what's covered.

That's true for standard trip insurance and your credit card coverage. While coverage varies by the insurance provider, common situations that aren't covered include:

Travel arrangements canceled or changed by the travel provider. Unless it's due to severe weather or an organized strike affecting public transportation, issues that were the travel provider's fault might not be covered. For example, you might be out of luck if your airline canceled your flight because the pilot called out sick and you missed a hotel night that you paid for.

Changes in your plans due to financial circumstances. If you realize after booking that you can't afford the expense you committed to, well, you're still on the hook.

Having a pre-existing condition or traveling against the advice of a physician. This can be tricky, but the insurer might dispute your complaint if they can prove your reason for canceling resulted from a condition you already knew about or your doctor warned you about.

Extremely long or short trips. Typically one-day trips, as well as those that exceed 60 days in duration, are not covered.

If you need to cancel a trip for a reason that's not covered, you might be better off obtaining Cancel For Any Reason coverage , which lets you do just that. It's an extra expense, but this can get you some money back if you cancel for any reason (including those otherwise not-covered reasons).

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2022 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee:   Bank of America® Travel Rewards credit card

Flat-rate travel rewards:  Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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

Best travel credit cards of april 2024, luxury travel for less: your guide to free airport lounge passes, 10 credit card tips to help you avoid disaster when traveling abroad, how credit card travel insurance works—and what it doesn’t cover, insure your adventures: the ultimate guide to credit cards offering travel insurance, how credit card rental car insurance saves money on every rental, chase lga lounge review: luxury at laguardia, chase beefs up new york profile with a new jfk sapphire lounge—here's what you need to know, biggest-ever amex centurion lounge opens in atlanta — with outdoor terraces and bars for both whiskey and smoothies, amex centurion lounge atlanta: what to expect now that it’s open, how to use your credit card to save on travel as airline costs soar, do you have travel rewards saved up these are the best ways to use them, 5 ways your credit card can help you save on spring break travel costs, capital one lounge: what you need to know, how i travel with my wife for less than a date night, best credit cards for cheap airport lounge access in april 2024.

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Our calculation is only an example of how the interest rate and fees can affect your repayments. Although we do our best to give you accurate calculations, they will not be binding on us. To confirm the latest interest rate or fees, please visit your nearest branch.

Nedbank Privacy Statement 

At Nedbank your privacy is as important to us as it is to you. Nedbank will safeguard the security and confidentiality of all information the User shares with us. All User information will be treated as confidential and will not be disclosed to third parties, except in situations where:

1.     We are legally compelled to do so.

2.     Disclosure is made at your request or upon your written consent.

Where possible, Nedbank will limit the collection of personal information to the minimum needed, in order to deliver superior service and products to you. In the event of Nedbank using third party organisations, for support reasons they will be required to stringently conform to our privacy statement.

We've received your claim. 

This serves to confirm that the information on your Insurance application has been received and will be processed.