The right credit card can add significant value for frequent travelers — discounts, cashback, free flights, lounge access.
Key factors when choosing
- No foreign transaction fees — 0% extra for foreign currency purchases
- Travel insurance included — flight cancellation, baggage
- Travel rewards / miles — to spend on future flights
- Lounge access — Priority Pass included
- Long 0% APR introductory periods
Georgian cards for travelers
**TBC Visa Travel:** miles mode, flight discounts. Annual fee ~$60.
**Bank of Georgia Solo:** premium card, airport lounge access (Primeclass), VIP services. Annual $190+.
**Liberty Bank Visa Gold:** travel insurance, lower foreign transaction fees.
International cards (Wise, Revolut)
If you frequently travel and spend in foreign currencies — Wise or Revolut cards are excellent. Effectively 0% on foreign currency, real interbank rate.
Wise — physical card €9 (one-time). Revolut — Standard free, Premium €8/month.
Wise/Revolut work well only if your bank supports transferring funds. Not physically represented in Georgia — for travel use only.
Premium cards — Amex Platinum (USA)
Amex Platinum — one of the world's most famous premium cards. Annual fee $695, but:
- Priority Pass + Centurion Lounge
- $200 airport credit
- $200 Uber credit
- Hotel/Car rental Elite Status
- Travel insurance included
What to avoid
- ❌ Cards with hidden fees — read the terms carefully
- ❌ High APR — if you don't pay in full each month
- ❌ Foreign transaction fees of 2–3% — adds $100 to a small overseas trip
My recommendation
For a Georgian frequent traveler: TBC Visa Travel + Wise card = best combo. Use TBC to accumulate miles; Wise — for foreign currency with lower fees.
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