Best Credit Cards for Traveling to Mexico in 2024: Planning a trip to Mexico in 2024? Find the best credit cards to make your trip smoother and more affordable. Get the scoop on the Best Credit Cards for Traveling to Mexico in 2024!
From exploring bustling markets to relaxing on pristine beaches, Mexico offers something for everyone. But when it comes to paying for your trip, the right credit card can make your trip better.
This guide explores the top credit cards for traveling to Mexico in 2024, considering factors like rewards programs, foreign transaction fees, travel insurance, and airport lounge access. We’ll help you find a card that unlocks valuable benefits and keeps your Mexican adventure worry-free.
Cash vs. Credit Card in Mexico: Your Ultimate Guide
Planning a trip to Mexico? When it comes to money, you might be wondering: cash or credit card? This guide will help you decide!
The Perks of Plastic: Convenience and Security for Modern Travelers
Using a credit card in Mexico offers several advantages:
- Convenience: No need to carry large amounts of cash, making travel lighter and safer.
- Wide Acceptance: Major cities, tourist areas, and upscale establishments readily accept credit cards.
- Rewards: Earn points or miles towards future trips or other goodies with rewards programs.
- Purchase Protection: Some cards offer protection against damage or theft of purchases made with the card.
- Easy Expense Tracking: Keep a clear record of your spending with credit card statements.
Cash Still Reigns Supreme in Some Situations
While credit cards are great, don’t ditch the cash just yet:
- Smaller Purchases and Local Markets: Many street vendors, small shops, and local markets may only accept cash.
- Rural Areas: Credit card acceptance can be limited in less touristy regions.
- Fraud Prevention: Cash helps avoid potential issues with card skimming or fraud.
The Winning Formula: A Combination for Peace of Mind
For a stress-free trip, it’s best to have both cash and credit cards on hand. This allows you to:
- Be Prepared: Handle any situation, from souvenir shopping in a market to dining at a fancy restaurant.
- Maximize Convenience and Security: Use your card for larger purchases and enjoy the security features, while having cash readily available for smaller transactions or areas with limited card acceptance.
So, pack both and have a fantastic Mexican adventure!
🚀 Check: Best Travel Rewards Credit Card of 2024.
Which is the best credit card to use in Mexico?
Looking for the Best credit card for your travels in Mexico? Discovering the best credit card to use in Mexico can streamline your payments and enhance your experience.
Let’s explore the top options to ensure your Mexican adventure is hassle-free and rewarding.
- Capital One Venture Rewards Credit Card
- Capital One Venture X Rewards Credit Card
- Capital One Quicksilver Cash Rewards Credit Card
- Bank of America® Travel Rewards credit card
- Citi Premier® Card
- Chase Sapphire Preferred® Card
- Chase United Gateway Credit Card
01. Capital One Venture Rewards Credit Card
| Feature | Details |
|---|---|
| Annual Fee | $95 |
| Purchase APR | 19.99% – 29.99% (Variable) |
| Balance Transfer APR | Not Applicable (Balance Transfers not offered) |
| Foreign Transaction Fee | None |
| Cash Back | Not Applicable (This card earns miles, not cash back) |
| Travel Rewards | 2x miles on all purchases, 5x miles on hotels and rental cars booked through Capital One Travel |
| Bonus Points | Up to 75,000 miles bonus after spending $4,000 in purchases within the first 3 months from account opening |
| Airport Lounges | Not Included |
02. Capital One Venture X Rewards Credit Card
| Feature | Details |
|---|---|
| Annual Fee | $395 |
| Purchase APR | 16.99% – 24.99% (Variable) |
| Balance Transfer APR | Not Applicable (Balance Transfers not offered) |
| Foreign Transaction Fee | None |
| Cash Back | Not Applicable (This card earns miles, not cash back) |
| Travel Rewards | 2x miles on all purchases, 5x miles on flights booked through Capital One Travel, 10x miles on hotels and rental cars booked through Capital One Travel |
| Bonus Points | Up to 75,000 miles bonus after spending $4,000 in purchases within the first 3 months from account opening |
| Airport Lounges | Included: Priority Pass Select membership with access to select airport lounges worldwide. |
03. Capital One Quicksilver Cash Rewards Credit Card
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Purchase APR | 19.99% – 29.99% (Variable) |
| Balance Transfer APR | Not Applicable (Balance Transfers not offered) |
| Foreign Transaction Fee | None |
| Cash Back | Unlimited 1.5% cash back on all purchases |
| Travel Rewards | Not Applicable (This card earns cash back, not travel rewards) |
| Bonus Points | Up to $200 cash bonus after spending $500 in purchases within the first 3 months from account opening |
| Airport Lounges | Not Included |
04. Bank of America® Travel Rewards credit card
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Purchase APR | 0% intro APR for the first 15 billing cycles for purchases, then a variable APR of 18.24% – 28.24% |
| Balance Transfer APR | 0% intro APR for balance transfers made within the first 60 days of opening the account, then a variable APR of 18.24% – 28.24% |
| Foreign Transaction Fee | None |
| Cash Back | Not Applicable (This card earns points, not cash back) |
| Travel Rewards | Unlimited 1.5 points for every $1 spent on all purchases |
| Bonus Points | 25,000 bonus points after making at least $1,000 in purchases within the first 90 days (equal to $250 in travel statement credit) |
| Airport Lounges | Not Included |
05. Citi Premier® Card
| Feature | Details |
|---|---|
| Annual Fee | $95 |
| Purchase APR | 21.24% – 29.24% (Variable) |
| Balance Transfer APR | Not Applicable (Balance Transfers not offered) |
| Foreign Transaction Fee | None |
| Cash Back | Not Applicable (This card earns points, not cash back) |
| Travel Rewards | 3X ThankYou® Points on restaurants, supermarkets, gas stations, air travel and hotels. 1X on all other purchases. |
| Bonus Points | 80,000 ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. |
| Airport Lounges | Not Included |
06. Chase Sapphire Preferred® Card
| Feature | Details |
|---|---|
| Annual Fee | $95 |
| Purchase APR | 21.49% – 28.49% (Variable) |
| Balance Transfer APR | Not Applicable (Balance Transfers not offered) |
| Foreign Transaction Fee | None |
| Cash Back & Travel Rewards | 3x points on dining, select streaming services, and online grocery purchases (excluding Target, Walmart and wholesale clubs). 2x points on all other travel purchases. 1x point on everything else. |
07. Chase United Gateway Credit Card
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Purchase APR | 21.99% – 28.99% (Variable) |
| Balance Transfer APR | 21.99% – 28.99% (Variable) |
| Foreign Transaction Fee | None |
| Cash Back & Travel Rewards | 2 miles per dollar spent on United® purchases (flights booked directly with United Airlines or United Express). 2 miles per dollar spent at gas stations and on local transit and commuting. 1 mile per dollar spent on all other purchases. |
📢 Read More: The Best Credit Cards for Caribbean Travel
FAQ: Credit Cards for Your Mexican Adventure (2024)
01. Is it safe to use credit cards in Mexico?
02. Credit card or debit card: which is better in Mexico?
03. Are there any other things to consider when using a credit card in Mexico?
Security: Always be vigilant about using your card in secure environments and monitor your transactions for suspicious activity.
04. Which credit cards are best for travel to Mexico?
05. I don’t want to pay an annual fee. Are there any good options?
06. Should I get a travel insurance policy in addition to using a credit card with travel insurance?
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