8 best prepaid travel cards for business travel 2025

When you’re traveling for business, it’s easy to overspend, lose track of exchange rates, or deal with unexpected bank fees. Prepaid travel cards can help you avoid these inconveniences.

A prepaid travel card is a simple way to make purchases domestically or overseas without using your personal debit or credit card. Money gets preloaded onto the card, which you can then use at hotels, restaurants, taxis, and ATMs.

In this guide, we’ll walk you through the best prepaid travel cards and how they work so you can choose the right card for your next business trip.

What’s a prepaid travel card?

A prepaid travel card (also known as a travel money card) is a payment card that can be loaded with one or more foreign currencies before or during your trip. Once the money is on the card, you use it just like a regular credit or debit card.

Unlike credit cards, prepaid cards only let you spend the amount that’s been preloaded, which means no overdraft fees or surprise interest charges. And since prepaid cards don’t pull money from your bank account, there’s less risk if the card is lost or stolen. 

Where can I get a prepaid travel card?

You can get a prepaid travel money card from banks, credit unions, travel agencies, post offices, or online fintech companies. Some cards are available in-branch, while others can be ordered online and delivered to your home.

For business travel, many companies provide prepaid travel cards to their employees for business expenses. If the card comes from your employer, they’ll likely take care of loading the funds so it’s ready for use when your trip begins.

Types of prepaid travel cards

Here are the most common types of prepaid travel cards:

• Multi-currency prepaid cards: Load several currencies on one card, offering flexibility for multi-country business trips and international spending.
• Sterling prepaid cards (aka GBP prepaid cards): Loaded with British pounds (GBP); ideal for users traveling within the UK or to countries that accept GBP.
• Euro prepaid cards (aka EUR prepaid cards): Perfect for those traveling mainly within the Eurozone; you can lock in conversion rates by preloading euros before the trip.
• U.S. dollar (USD) prepaid cards: Convenient for spending in the U.S., whether for domestic travel or international visitors, as they help avoid poor exchange rates and foreign transaction fees.

Be sure to compare travel money cards and review the terms before deciding which fits your travel needs.

8 best prepaid travel cards for business travel

Below are some of the best prepaid money cards for 2025. Each one has unique features, pros, and potential fees. 

Wise Multi-Currency Card

The Wise Multi-Currency Card is a favorite among international travelers, especially freelancers and remote workers who deal with multiple currencies. It offers real-time, mid-market exchange rates and low conversion fees, making it one of the more cost-effective options. The card works in over 175 countries and comes with a linked Wise account, which makes managing money easier. There’s a one-time setup fee of around $9 in some regions, and while ATM withdrawals are free, there’s usually a monthly limit equivalent to roughly $100.

Revolut Travel Card

Revolut’s travel card supports over 30 currencies and offers a fully app-based experience, perfect for travelers who like to manage everything from their phone. Some plans allow ATM withdrawals of up to $400 per month for free, and the app includes spending insights and budgeting tools. However, higher limits and lower fees are usually available only on paid plans, and exchange rates can vary over weekends. Revolut is a strong option if you travel often and value complete control over your finances.

Travelex Money Card

The Travelex Money Card is a reliable option for travelers who want to load major currencies like USD, EUR, GBP, and AUD before a trip. You can lock in exchange rates when loading the card, and it’s widely accepted worldwide, though reloading and ATM withdrawal fees may apply. Travelex recently improved its app to support mobile wallets like Google Pay and Apple Pay. It’s a solid choice for those who value a trusted, established provider for their travel money needs.

NetSpend Prepaid Card

The NetSpend Prepaid Card is a general-use card that also works for travel, though it’s not built specifically for that purpose. It doesn’t require a credit check to apply, supports direct deposit, and even offers an optional high-yield savings account. But there are downsides: NetSpend charges monthly maintenance fees, and foreign transaction fees may apply depending on your chosen plan. Since it’s not a dedicated travel card, NetSpend cards don’t offer the perks or protections you'd get with a true travel credit card. Still, it may be a convenient option for travelers looking for a reloadable card without a linked bank account..

Visa Prepaid Travel Card

Visa Prepaid Travel Cards are widely accepted and available from various issuers, including banks and travel services. Most are reloadable and include standard fraud protection features. Because terms like fees and supported currencies vary by issuer, it’s important to read the fine print. You may encounter reloading or ATM fees, so confirm the details with your provider before you buy.

Mastercard Prepaid Travel Card

Mastercard’s version of a prepaid travel card works wherever Mastercard is accepted and typically includes EMV chip security for added protection. These cards often support multiple currencies and are available from various financial institutions. Like Visa, fees and terms may vary by provider, and some issuers offer limited app support. It’s a dependable option for international business travelers who want a widely accepted card.

Pros and cons of prepaid travel cards

Prepaid travel cards offer a convenient way to manage your money while traveling, but like any financial product, they come with a unique set of advantages and disadvantages. Here’s what to keep in mind.

Pros of prepaid travel cards 

• Avoids exchange rate fluctuation: Lock in rates when loading the card so you know exactly what you’re spending.
• Usable in multiple countries: Some cards support many currencies, so one prepaid card works in several locations.
• Keeps your main bank account safe: Since prepaid cards don’t pull money from your bank account, using them reduces the risk of fraud. 
• Tracks your spending easily: Most cards have mobile apps that make it easy to monitor balances and reload when needed.

Cons of prepaid travel cards 

• Fees may apply: Some cards charge for loading, withdrawing, or even not using the card.
• ATM withdrawal charges: You might be limited to a set number of free withdrawals, after which ATM fees will apply.
• Not accepted everywhere: Some vendors still prefer cash or don’t accept prepaid cards.
• Limited support for certain currencies: Most prepaid cards support major global currencies (like USD, EUR, GBP, JPY, and AUD), but you might find limited or no support for less common national currencies, such as the Peruvian Sol (PEN) or the Vietnamese Dong (VND).

How to make the most of your prepaid travel card

When used correctly, prepaid travel cards are one of the best travel hacks. Here are some tips to make the most of them:

• Card acceptance: Check that the card is accepted in the countries you visit—including stopovers—so you don’t encounter payment issues abroad.
• Currency support: Make sure the prepaid debit card supports all the currencies you’ll need during your trip, especially if you’re visiting multiple regions.
• Exchange rate timing: Load money when exchange rates are favorable to get more value for your spending.
• Reload options: Pick a prepaid card that’s easy to reload on the go, ideally with a user-friendly app that links to your bank account.
• Fee awareness: Watch out for ATM fees or charges for inactivity and currency conversion. Depending on the fee structure, consider canceling the card after your trip if you don’t plan to use it again.

Enhance your business travel with Engine

Choosing the right prepaid travel card can make your trip easier, safer, and more budget-friendly. Whether you’re heading to New York, London, or across the globe, the right card gives you control over spending, reduces surprises, and keeps your personal account secure.

At Engine, we make business travel even better. Use Engine to find exceptional hotel deals at exclusive rates so that you can focus on your meetings, connections, and new opportunities—not your receipts.

Compare your options, choose the best prepaid travel card for your next business trip, and book your stay with Engine today.