For those who travel within the United States, you know that traveling requires planning, practicality, and above all, a good banking choice, right? There are different options on the market, and it’s even difficult to choose which one offers the most advantages, the fewest fees, and the easiest access to services in different states.
It doesn’t matter if you’re an executive, a nomad, or someone who loves to travel; the important thing is to find the right account that gives you security and, even better, brings you savings. Therefore, when making your choice, it can involve factors that go beyond reduced fees.
It’s important to critically analyze benefits such as a wide ATM network, credit cards with rewards for travelers, efficient customer service, and practical digital solutions, as they can make a difference when traveling. In this way, we will explore some of the main options available in the American market for those who live life on the road.
Traditional or digital banks: Which best suits your travel style?

When choosing traditional banks, we can mention the three that best adapt to travel, which are: Chase, Bank of America, and Wells Fargo. They have a very strong and consolidated physical presence.
For those who travel a lot, you can find branches and ATMs in practically every state, which represents a great advantage of these banks, especially in emergency situations. Another point that stands out is the credit cards that offer travel-oriented rewards programs, which can make your experience complete and advantageous.
Digital banks, such as Chime, Ally, and Capital One, have been gaining more and more space due to their practicality and absence of fees for various services. In many cases, these players offer free withdrawals in extensive ATM networks, in addition to fast transfers, accounts without monthly fees, and completely online resources. These options, where you can solve everything by cell phone, are a great alternative for the modern and connected traveler.
Main banks and their differentiators for who travel
Thinking about how to choose the best bank for travelers in the United States, we decided to create a complete and detailed table that demonstrates the digital and traditional banks and their differentiators. This table includes the most recommended for those who travel a lot, based on resources, accessibility, features, and truly relevant benefits:
Bank | Type | Strong Point | National Coverage | Card Annual Fee |
Chase | Traditional | Travel rewards programs | High | From $0 (e.g., Chase Freedom®) |
Bank of America | Traditional | Wide physical access, reliable support | High | From $0 |
Wells Fargo | Traditional | Diverse and secure cards | High | From $0 |
Chime | Digital | Zero fees, intuitive app | Medium | Does not offer traditional credit card |
Ally Bank | Digital | High yield, free withdrawals | Medium | Does not offer credit card |
Capital One | Digital | Cards with miles and good acceptance | High | $0 to $395 (e.g., Venture Rewards) |
Ideal credit cards for those who are always on the road
For those natural-born travelers, a credit card is your faithful travel companion. In addition to having more security when paying for your purchases, it also has explosive benefits for travelers, such as mileage accrual, access to VIP lounges, insurance, and exemption from fees on international purchases. Therefore, choosing an ideal credit card is also essential on this journey.
With that in mind, we created a table with a top 3 of the best credit cards for travelers in the US in 2025. It will present you with the main benefits, annual fees, and possible extras that the card may have. But make no mistake, making the right choice can be half the peace of mind of your trip.
Card | Points Program | Main Benefits | Annual Fee | Relevant Extras |
The Platinum Card® (Amex) | Membership Rewards® | Access to VIP lounges, partner hotels, 2x points at US restaurants | $795 | Concierge, travel insurance, flexible points |
American Express® Gold Card | Membership Rewards® | 4x points at restaurants/supermarkets, car rental discounts, 24-hour concierge | Varies by issuer | Travel benefits, high accrual |
GlobalTravel Card (Amex) | Prepaid (no points) | Protection against loss/theft, emergency replacement | No annual fee | Spending control, ideal for international use |
These cards were designed especially for those who are always on the move. The right choice depends on the type of spending that is most frequent and the expectation of return in rewards. Therefore, analyzing the choice can bring great savings on your trips.
Exclusive advantages for premium accounts
For those travelers who are looking for a more complete banking service, premium accounts may be the best choice. Some financial institutions, such as Chase and American Express, offer plans with exclusive benefits. Among them may be: reimbursement of fees at ATMs outside the network, free international transfers, and access to dedicated financial advisors.
Accounts of this type usually require a minimum transaction volume or a higher balance, so they offer a real return for those who travel constantly. In this way, in the long run, the costs of withdrawals and conversions can be easily offset by the advantages of the premium package.
In addition, many of these plans offer early access to financial product launches, exclusive benefits on hotel reservations, and even partnerships with airlines for faster mileage accrual. For those who travel for work or seek comfort and convenience at each stage of the journey, these advantages add value to the experience and can simplify various financial processes during trips.
Conclusion
Choosing the best banking option for a traveler in the United States is not an easy decision, but from what we’ve seen, it’s certainly worth analyzing. More traditional banks can offer breadth and stability, while digital banks excel in agility and economy. Walking hand in hand, we have the credit card, which, if well selected, can enhance rewards and facilitate the trip.
Therefore, the combination of both focused on travel can provide not only a more practical trip, but also a safer, more economical, and personalized one. Evaluate your profile, compare the options carefully, and choose the services that truly keep up with your pace.
And to continue making good financial choices, always pay attention to the tips and content on the Agora na Mídia website. With updated information, complete comparisons, and practical guidance, you ensure a more organized, intelligent, and aligned financial life with your goals—even when you’re on the road.