The 6 Best Travel Cards for Turkey in 2024

Travel money cards can be a safe, and convenient way to pay for things when you’re abroad. Plus, there are plenty of different travel card types on the US market, including travel debit cards, prepaid travel cards and travel credit cards. What all of these different cards have in common is that they’ve been optimized for travel use, so you can take your pick from varying options to access great exchange rates, low fees, and extra perks when you’re away from home. 

Read on for all you need to know, including a closer look at travel money card types, some great options to consider, and the sorts of fees you need to think about when you choose.

Wise – good value debit card for Turkey

First off, let’s introduce the Wise card as a good all-round option that allows you to hold and spend lira, as well as a diverse range of other world currencies.

Wise accounts have the flexibility to hold and exchange more than 40 currencies, plus you can get a linked Wise card for a one-time delivery fee. You can either top up your account in dollars and switch to TRY before you travel, or you can let the card automatically switch currencies as required. All currency conversion uses the mid-market exchange rate, with fees from as low as 0.43%. 

You can also get TRY and USD bank account details, as well as local account details for several other major currencies, to receive convenient payments to your Wise account. 

Here are some of the advantages and disadvantages of using the Wise travel money debit card, to help you decide if it's suitable for you.

Pros of using the Wise card in TurkeyCons of using the Wise card in Turkey
✅ Hold and exchange 40+ currencies including TRY
✅ No fee to spend any currency you hold, low conversion fees from 0.43%
✅ Mid market exchange rate on all currency conversion
✅ Some fee free ATM withdrawals every month
✅ No ongoing fees and no interest to pay
❌ 9 USD delivery fee
❌ No option to earn points or rewards
Wise international debit card

What is a travel money card?

No matter which type of travel money card you pick, you’ll get an international payment card you can use in a similar way to any other credit or debit card you may already hold. While different cards may have their own features, you’ll usually be able to use them seamlessly in multiple currencies, for chip and PIN or contactless payments, shopping online, and for cash withdrawals. 

The big difference with a travel money card is that the card features are aimed at travelers and people living an international lifestyle. Depending on the specific card you select, you may get access to a better exchange rate compared to using your normal card overseas, options to earn cashback, or no foreign transaction fees for example.

6 travel money cards for Turkey compared

We’ll look at each of these card options in a little more detail in just a moment, but let’s start with an overview of how 6 top travel money cards for Turkey line up side by side:

ProviderTypeCard delivery feeFees for spendingExchange rateInterest rateTurkey ATM fee
WiseDebit9 USD order feeFree to spend any currency you hold, currency conversion from 0.43%Mid-market rateNot applicableSome free withdrawals every month based, low fees after that
RevolutDebitVariable fee based on location and account tierNo fee to spend any currency you hold, currency conversion free to plan limit, 0.5% fee after thatMid-market rate to plan limit, 0.5% fee after thatNot applicableSome no-fee withdrawals every month based on account tier, low fees after that
Bluebird American Express prepaidDebitOnline orders are freeNo foreign transaction feeAmex rateNot applicable2.5 USD
Discover it SecuredCreditNo feeNo foreign transaction feeDiscover rate, which may be the mid-market rate depending on the currencyVariable, 28.24% representative10 USD or 5%, whichever is greater
Capital One Venture RewardsCreditNo fee (annual charge of 95 USD applies)No foreign transaction feeNetwork rate21.24%, - 29.24% variable3 USD or 3%, whichever is greater
Chase Sapphire PreferredCreditNo fee (annual charge of 95 USD applies)No foreign transaction feeNetwork rate21.49% – 28.49% variable10 USD or 5%, whichever is greater

As you can see, the features of different travel money cards can vary pretty widely. In general travel debit cards can be convenient and often fairly cheap to use, while travel credit cards can offer some nice perks like cashback or rewards - but do mean you might run into interest and late payment charges, depending on how you choose to pay.

Travel debit cards often let you top up a linked account online or through an app, so you can set your budget and can’t spend more than you intend. Travel credit cards on the other hand let you spend to your card limit, and then repay the amount over a few months if you’d prefer to. Which is best for you will come down to how you like to manage your money - we’ll dive into a few more details about each card type, next.

What are different types of travel cards?

Broadly speaking, US customers are able to select a travel money card from either a bank or a specialist provider, which may be a travel debit card, travel prepaid card or a travel credit card. We’ll walk through what each travel money card type is, and pick out a couple of good card options, so you can compare and choose.

  1. Travel debit cards
  2. Travel prepaid cards
  3. Travel credit cards

1. Travel Debit Cards for Turkey

Travel debit cards are usually offered by specialist providers, with linked digital accounts you can use to hold and convert a currency balance. While different cards have their own features, travel debit cards can usually be topped up easily online and through an app, with the option to see your balance and get transaction notifications through your phone too. That makes it easier to keep on top of your money, no matter where in the world you are.

Travel debit card Option 1: Wise

Wise is a good value travel money debit card for Turkey.

There’s no fee to open a Wise account, and just a small delivery fee for your Wise card, with no minimum balance and no monthly charge. You just pay low Wise fees from 0.43% when you convert currencies, and transparent ATM fees when you exhaust the monthly free transactions available with your account.

  • No fee to open a Wise account, no minimum balance requirement
  • 9 USD one time fee to get your Wise card
  • 2 withdrawals, to 100 USD value per month for free, then 1.5 USD + 2%
  • Hold TRY and 40+ other currencies, convert between them with the mid-market rate
  • Get local account details to receive TRY and 9 other currencies conveniently
Wise personal debit card green

Travel debit card Option 2: Revolut

Revolut has a selection of different account tiers, so you can simply pick the account you prefer - from Standard plans which have no monthly fees, to the 16.99 USD/month Metal plan. All Revolut accounts have linked cards, although exactly what type of card you get depends on your account tier. You can hold around 25 currencies including TRY, and convert currencies with the mid-market rate to your plan’s allowance. 

  • No fee to open a Standard Revolut account, or upgrade for up to 16.99 USD/month 
  • Card delivery fees may apply depending on your account tier
  • All accounts have some fee free currency conversion with 0.5% fair usage fees after that
  • Standard plan holders can withdraw 400 USD overseas per month for free
  • Hold TRY and around 25 other currencies

Pros and cons of using debit travel cards in Turkey

Pros of using debit travel cards in TurkeyCons of using debit travel cards in Turkey
✅ No possibility to run up interest costs or late payment fees
✅ Hold and exchange currencies in advance or at the time of spending
✅ Accounts can be topped up, viewed and managed digitally
✅ Safe to use, as accounts aren’t linked to your main US bank account
✅ Travel debit cards are issued on popular global payment networks
❌ Transaction and currency conversion fees may apply
❌ Cash back and rewards may not be available

How to choose the best travel debit card for Turkey?

Shopping around is the best way to find the right travel debit card for Turkey based on your personal preferences and spending habits. Lots of travel money cards come with a linked account that you can use to hold and exchange dozens of different currencies - these can be super handy because you’ll be able to keep and reuse your card conveniently on your next trip.

For a multi-currency account and card with no monthly fee and a large selection of supported currencies as well as TRY, check out Wise. Or you may decide that Revolut is a good option if you’ll use your account very frequently and would prefer to pay a monthly fee to unlock lots of fee free transactions and extra perks.

Is there a spending limit with a travel debit card in Turkey?

Different providers set their own limits for card use. Limits may apply daily, weekly or monthly, and can apply to different types of transactions. You might find you have a limit to the amount of ATM withdrawals you can make per day, for example, or the value of contactless payments - these limits are set for security and can sometimes be managed and changed in the provider’s app.

2. Prepaid Travel Cards for Turkey

With a prepaid travel card you’ll need to order a card and add funds, to pay merchants and make cash withdrawals. While prepaid travel cards are usually issued on large global networks - and can therefore be used pretty widely - not all cards are accepted globally, so you’ll need to check network coverage in your destination country.

Prepaid travel card option 1: Bluebird American Express prepaid debit card

You can order a Bluebird prepaid debit card for free online. You’ll then be able to top up in cash or from a bank account. You can also add checks or have funds deposited by others - fees apply for some top up methods. While this card doesn’t allow you to hold foreign currencies, you won’t pay a foreign transaction fee to spend your USD balance abroad, which makes it a good choice when you’re away from home.

  • Get a card for free by ordering online
  • Top up in a range of ways in USD
  • No foreign transaction fee when spending overseas
  • ATM withdrawal fees of 2.5 USD or the equivalent when overseas
  • American Express cards are not always accepted internationally - check coverage before you travel
  • No interest to pay 

Prepaid travel card option 2: Discover it Secured

Discover it Secured is a credit card, but we’ve included it in our roundup of prepaid cards because it’s a secured card, which means you’ll need to pay an upfront deposit, and can then spend to that deposit level every month. Clear off your bill in full to avoid interest, and you could build a credit score, earn cashback and get no foreign transaction fees when you spend overseas, too.

  • No annual card fee, although interest charges and late payment fees do apply
  • No foreign transaction fees for spending overseas
  • ATM withdrawal fees may apply including a 10 USD cash advance fee
  • Earn cashback on spending and build credit as you do so
  • Discover network is not always internationally supported - check your destination before you travel
Discover it secured credit card

Pros and cons of using prepaid travel cards in Turkey

Pros of using prepaid travel cards in TurkeyCons of using prepaid travel cards in Turkey
✅ Manage your account online or with an app, to add more money or pay off your bill
✅ Accounts with no monthly fees are available
✅ Foreign transaction fees may be waived
✅ ATM withdrawals supported globally
Some accounts have extras like options to earn reward points
❌ Network coverage on Amex and Discover may not be as strong overseas as it is in the US
Transaction fees apply to most accounts

How to choose the best travel prepaid card for Turkey?

There’s no single best travel prepaid card for Turkey - the right one for you will depend on what’s important to you. We’ve picked out a couple of quite different cards here for you to compare and consider - the Bluebird card option may work for you if you’re looking for a prepaid card with no foreign transaction fee. Or, the Discover it Secured may be a winner based on the availability of cash back and the fact you can start to build a credit history while you spend. 

Is there a spending limit with a prepaid card in Turkey?

Different prepaid travel cards set their own limits for spending and withdrawals, which can  vary between currencies. You’ll need to check your card’s terms and conditions carefully to make sure you pick a provider which suits your needs.

3. Travel Credit Cards for Turkey

Travel credit cards typically offer some extra international features compared to regular credit cards, such as low or no foreign transaction fees or extra option to earn rewards when you’re abroad. In general, travel credit cards are safe and convenient but can be more expensive compared to using a debit card option. Before you select the right card for you it’s important to check the fees, rates, eligibility rules and interest rates which apply, so you can make sure it’s a good fit for you.

Travel credit card option 1: Capital One Venture Rewards

The Capital One Venture Rewards card has no foreign transaction fees when you spend overseas. There’s also a comparatively low cash advance fee when you use an ATM, at 3 USD or 3% whichever is higher. You’ll need to repay your bill in full every month to avoid fees and interest, but can earn travel rewards and miles on your day to day spending.

  • No foreign transaction fee
  • Earn travel rewards on spending 
  • Get extras like lounge access and free travel insurance
  • International spending uses the network exchange rate 
  • Variable interest rates which apply if you don’t pay off your bill in full
Capital One Rewards Venture card

Travel credit card option 2: Chase Sapphire Preferred

The Chase Sapphire Preferred card has a variable interest rate with no foreign transaction fee to pay. However, you’ll need to pay a 95 USD annual card charge to get your card in the first place. Currency conversion uses the network exchange rate - plus there are benefits and rewards available for cardholders.

  • Variable interest rates and a 95 USD annual fee
  • Check your eligibility and order a card online easily
  • No foreign transaction fee
  • Network exchange rates apply
Chase Sapphire Preferred card

Pros and cons of using credit cards in Turkey

Pros of using credit cards in TurkeyCons of using credit cards in Turkey
✅ Spread the cost of your travel over several months
✅ Check eligibility for a card online with no impact on your credit score
✅ You may pay no foreign transaction fee
✅ Network exchange rates usually apply, which are usually pretty fair
❌ Interest charged if you don’t repay in full every month
❌ Eligibility rules apply


How to choose the best travel credit card for Turkey?

Credit cards aren’t the right option for everyone - but they can be a handy way to earn rewards if you pick the best travel credit card for Turkey based on your spending patterns. When comparing your travel credit card options it’s useful to compare the potential fees against the benefits and rewards, to find the one that balances out best for your specific needs and preferences.

Which cards are accepted in Turkey?

Different cards are issued on their own card networks - and while all the cards we’ve covered in this guide are globally accepted, some networks are more popular in one country than they may be in another. Visa and Mastercard are usually a good bet for  a card you want to use in Turkey - but it’s helpful to know that some other card networks which are commonly used in the US, like American Express and Discover cards, are less likely to be accepted in some countries and regions. 

Generally the best idea - in Turkey or anywhere else you may travel - is to have more than one means of payment with you, as a back up plan. For example you might want to take a credit card and a specialist travel money card which has been issued on a different network, plus a little cash, so that you always have options if your preferred payment method isn’t available.

Related: How to buy Turkish lira in the US

Conclusion: Which travel money card is best for Turkey?

Using a travel money card for secure spending and withdrawals in Turkey can be a good option, and may also mean your money goes further.

You could opt for a low cost travel debit card which comes with a linked account to hold a selection of currencies - like the Wise account. Or you might prefer a prepaid travel money card like the Bluebird American Express debit card which can be linked to a fee free account. Finally, another option is to get a travel credit card either to earn cashback and rewards, or to avoid foreign transaction fees. 

Use this guide to start your research and pick the right option for your specific needs.

Go to WiseGo to Revolut

FAQs - Best travel cards for Turkey 2024

1. Which card is best to use in Turkey?

There’s no single best card to use in Turkey. Which is right for you will depend on your preferences and spending patterns. One good option is to get a multi-currency account from a provider like Wise or Revolut which you can use in Turkey and on future trips, too, as you’ll be able to hold, spend and exchange TRY alongside dozens of other major currencies.

With multi-currency accounts, you can also open a bank account in Turkey. In your Wise account, you can open a TRY balance, get local account details in Türkiye, hold and exchange Turkish lira using mid-market exchange rate.

2. What is the best way to pay when traveling in Turkey?

Spending with your card is convenient when traveling in Turkey, but you’ll be best off having several different payment methods just in case your first choice isn’t supported. For example, you could choose 2 different debit or credit cards, issued on different networks, and you could also get lira in advance so you have some cash on you for those times when cards aren’t available.

3. Can you withdraw cash with a credit card in Turkey?

You can usually make cash withdrawals with a credit card in Turkey at any ATM that supports your card network. You’ll often find that a fee applies, and you may start to accumulate interest on the withdrawn amount immediately. Travel money debit cards from providers like Wise and Revolut can be a lower cost option for cash withdrawals in TRY.

4. Can I use a US card in Turkey?

You can use your US card anywhere you see the card network’s logo displayed. Visa and Mastercard networks are very well supported globally, including in Turkey, making these good options to look out for when you pick your travel debit card for Turkey.

5. Are prepaid cards safe?

Prepaid cards from reputable providers are safe to use at home and abroad. They aren’t linked to your main bank account which can offer extra peace of mind, and may also make it easier to manage your travel budget. However, you’ll need to check the card features and fees carefully to make sure you're getting the best match for your needs.

6. What are the main fees for travel cards when traveling?

The fees applied for travel cards can vary widely depending on the provider and the card type. With debit cards you may find ATM fees, and costs for converting currencies, although specialist providers like Wise and Revolut have linked multi-currency accounts which can bring down the costs of currency conversion. Credit card fees include cash advance charges, foreign transaction fees and interest.

Claire Millard
Fintech Content Writer
Claire Millard is a content and copywriter with a specialty in international finance. Her work has featured in The Times and The Telegraph, as well as industry magazines and leading personal finance blogs.
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Seyma Mektepli
Seyma is an experienced content writer and editor-in-chief at Exiap, delivering informative articles on personal finance, and money transfers.
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Last updated
December 30th, 2023