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Top 5 Best Travel Money Cards for the USA in 2023

When sightseeing in the US, it pays to have a reliable travel money card handy.

The US is one of favourite destinations and with all its attractions, iconic landmarks and natural wonders like the Grand Canyon. So, it's easy to see why thousands of people each year travel to the United States.

In the US you are likely to pay for accommodation, food, transport and entertainment as well as withdraw cash from ATMs with your card.

We have compared the best travel card Australia to take for the USA to help you make the best decision for your next US trip.


Best Travel Money Cards for the USA:

Revolut Card Offer

Revolut Card Offer

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Revolut - Best for Low Fees

Best Features

  • 30+ currencies available
  • One of the best exchange rates globally
  • No international transaction fees
  • No annual or monthly fees for standard membership
  • No initial card fee
  • Instant access to a range of cryptocurrencies
Learn more

Revolut Travel Card

  • No fee ATM withdrawals up to A$350, or 5 ATM withdrawals, whichever comes first, per rolling 30 day period and 2% of withdrawal amount (minimum charge of A$1.50) after that
  • Exchanging currency on the weekend can incur a one-percent mark-up fee
  • Fees on international money transfers were introduced in April 2021.
  • Can be used wherever Visa is accepted

The Revolut Travel Card is a decent option for those who travel a lot as it offers over 30 currencies at a very good exchange rate, which is the cheapest rate globally. However if you exchange currency on the weekend you can incur a two-percent mark-up fee. In addition they have introduced fees for international transfers. Finally if you use ATMs frequently this is not the card to use due to the fees.

Travelex Money Card - Best All Rounder

Best Features

  • Unlimited free ATM withdrawals
  • 24/7 Emergency Assistance
  • Initial and replacement card are free
  • No international transaction fees
  • Lock in up to 10 currencies
Learn more

Travelex Money Card

  • Minimum load of $100 and maximum load of $100,000
  • Can be used wherever Mastercard is accepted
  • Fees include a $10 closure fee, $5 for an additional card and $4 inactivity monthly fee.
  • While Travelex don't charge ATM fees, some ATM operators may charge their own fees.
  • Currencies that can be loaded are AU$, US$, EU€, GB£, NZ$, TH฿, CA$, HK$, JP¥, SG$
  • If your card is lost or stolen you can access cash in your account through Moneygram or Western Union agents, with no charge
  • Boingo hotspots offer free wifi and you can look at their number of free hotspots per country on this map

The Travelex Card is a good all rounder.

You can use it to take money out of the ATM, for merchant purchases like restaurants and even for online shopping in foreign currency. While the exchange rates aren't as good as the Wise or Revolut Card abroad, the support network if the card is lost or stolen is very good.

HSBC Everyday Global Travel Card - Best Travel Card by Bank

Best Features

  • Great exchange rate offered for US dollars (USD)
  • No ATM fees at HSBC tellers
  • No international transaction fees
  • No initial card, closure, account keeping or monthly fees
  • No cross currency conversion fees
HSBC Global Everyday card is one of the top 5 travel money cards to take to the USA
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HSBC Everyday Global Travel Card

  • 10 Currencies can be loaded are USD, AUD, GBP, EUR, HKD, CAD, JPY, NZD, SGD and CNY (currency restrictions on CNY)
  • No maximum balance for any currency
  • Very competitive exchange rates on all currencies when you have currencies already loaded on your card
  • ATMs within Australia need to be HSBC and overseas they need to display a VISA or VISA Plus logo, not be be charged fees
  • Earn 2% cash back when you tap and pay with payWave, Apple Pay or Google Pay for purchases under $100.
  • Daily maximum ATM withdrawal is $2,000
  • Fraud protection covered by Visa Zero Liability
  • Can be used wherever Visa is accepted

The HSBC Everyday Global Travel Card offers a great exchange rate for US dollars, HSBC owned ATMs within the United States, so you can withdraw cash without the hefty withdrawal fees (10%).

In addition, it does not charge an ‘international transaction fee’ so you can spend in the United States and online in Australia and not pay an additional 3%.

Finally, on top of the excellent currency exchange rate, there is no maximum balance on currencies held and a 2% cash back incentive when you tap and pay under $100.

Bankwest Breeze Platinum Credit Card - Lowest Interest Rate

Best Features

  • Lowest interest rate at 9.90%
  • No international transaction fees on purchases
  • Up to 55 days interest free on purchases
  • Low annual fee
  • Complimentary international travel insurance
Bankwest Breeze Platinum Credit Card is one of the 5 travel money cards for the USA in 2022
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Bankwest Breeze Platinum Credit Card

  • Free annual fee first year, then $69 annual fee
  • Free international travel insurance that includes the basics but does not cover cancellation costs, pre existing conditions and travellers over 80
  • $6,000 minimum credit card
  • 0% p.a. on purchases and balance transfers for the first 15 months, then reverts to 9.90%
  • 21.99% interest rate on purchases and cash advances
  • Cash advance fee of the higher of $4 or 2% of cash advance
  • Can be used wherever Mastercard is accepted

The Bankwest Breeze Platinum is a great no frills credit card that offers ‘no foreign transaction fees’ and the lowest interest rate on the market, at 9.90%. These two factors alone will save you hundreds of dollars when travelling throughout the USA.

In addition it has a low annual fee and complimentary international travel insurance. Finally for its price point it is a great value credit card that will be accepted most places in the United States.

ING One Low Rate Credit Card - No Annual Fee

Best Features

  • No annual fee
  • No international transaction fees on purchases
  • Up to 45 days interest free on purchases
  • Lowest cash advance interest rate of 11.99%
  • Use instalment plans to pay off your purchases over time at a lower interest rate
ING One Low Rate Credit card is one of the five top travel money cards for the USA in 2022
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ING One Low Rate Credit Card

  • 11.99% interest rate on purchases
  • $6,000 minimum credit card
  • Make payments from your mobile with pay with Apple Pay and Google Pay
  • International ATM fee and Foreign currency conversion fee are waived when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled. Otherwise they are the higher of 3% or at least $3
  • Put repayments on auto payment each month to pay the minimum balance or full amount
  • Can be used wherever Visa is accepted

The ING One Low Rate credit card is a great option to take to the United States as it charges no annual fee and offers a low interest rate for purchases and cash advances of 11.99%. The cash advance interest rate is very low and about 50% less than most of its competitors who charge around 22% on cash advances.

Furthermore the ING One Low Rate credit card has no international transaction fees, so you can save money on your travels and when you buy goods from overseas. It's a handy backup card to have in your wallet when travelling through the USA.

Learn more about the best credit, debit and prepaid cards for travel


What is the best travel card to use in the USA?

The best travel card for the USA has excellent exchange rates (Wise Multi Currency), does not charge for international transactions (HSBC Global Everyday), does not charge for cash withdrawals at ATMs (Citibank Global Everyday) and you are able to use it within Australia as well.

We suggest taking at least one credit card, like the BankWest Platinum Breeze and the ING One Low Rate credit card which both have very low interest rates and no ‘international transaction fees’.

Should I take US dollars with me?

Yes you should, buying US dollars from S Money will be cheaper than withdrawing money from an ATM overseas. It is also more convenient to have cash on you before you arrive, one less thing to do in the airport when you arrive. Finally it's handy to have cash to tip, for smaller purchases or transport. At the end of the day, both cash and cards are good ways to take money to the USA.

Can I use my Australian card in America?

Yes you can if they are Mastercard or Visa and you will be charged with a lot of fees including the international transaction fee (3%), ATM withdrawal fee by the bank in the US ($5) and an ATM withdrawal fee by your own bank ($5).

What cards can I use in the USA?

You can use cards linked to Mastercard, Visa or American Express within the US. They have lots of ATMS to withdraw cash from all over the US and most shops, hotels and restaurants accept these 3 cards for payment.

Can you put US dollars on a card?

Yes you can place US dollars on a prepaid travel card or you can have your debit account linked to currency accounts like with Wise, HSBC and Citibank. Most prepaid travel cards (Australia Post, Travelex, Travel Money Oz and Cash Passport) have hefty fees including initial card, loading, reloading, inactivity and ATM fees so while they are handy, there are cheaper alternatives on the market.

Do Mastercard debit cards work in the USA?

Yes Mastercard debit cards work in the USA and are one of the two cards most commonly accepted throughout the USA. If the ATM has a Mastercard, Cirrus or Maestro logo on it, two different coloured circles overlapping you can withdraw local currency with your Mastercard debit card.

How much money do I need per day in the USA?

As a general rule, working out how much money to take to the USA depends on where you go and your type of travel. If you travel on a budget to the USA it can cost US$50 - US$100 a day. If you travel in the middle range throughout the USA it can cost US$100 - US$200 per day. Finally if you travel with luxury throughout the USA it can cost anywhere from $200 per day.

Is it better to use a debit card in the USA?

Yes it is better to use a debit card in the USA as it is cheaper than using funds from a credit card which have an interest rate typically of 20%, they are accepted in most places for payment, they are secure and you can transfer money into the account easily overseas.