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Wise Card Review – Is This Your Next Travel Card?

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Wise Card Review

Disclosure: This post (probably) contains affiliate links. If you click on one, I may make a small commission. Of course, this will come at no extra cost to you and helps keep this site running.

There are some challenges that are pretty much universal when it comes to international travel. One of the most common is finding an easy and inexpensive way to pay for things while overseas. So when it looked like the Wise card could be a good solution, I decided to give it a go on my most recent trips. This Wise card review will take you through my experience traveling with the card.

My reasoning for doing a review is that I know how useful a good travel card can be be. Options for these kinds of things generally depend on which country you’re from, with some countries like the US having more choice than others. Coming from Australia, our options are far fewer, and I’m sure we’re not alone. So hopefully, this review of the Wise card that is widely available across the world can help you see if it’s a useful option for you or not.

 

Disclaimer: This is not financial advice and I am not a financial advisor. I do not know your financial situation or whether this product will be specifically right for you. This is simply a review of my experience using the Wise Card as a consumer. Please check the Wise website for latest rates/fees and do your own due diligence.

 

What is the Wise Card?

Wise, formerly TransferWise, is an online foreign exchange service based in London. I’ve been using Wise for a while now to send/receive money from overseas for work. It’s very useful being able to provide banking details in other countries to receive payments.

They use the mid-market exchange rate for conversions and their transfer fees are considerably lower than alternatives such as Paypal in my experience. There are even tables they provide to show you how they compare to the competition.

The Wise card is simply a Visa debit card associated with your Wise account. It lets you pay for things using the money stored in your Wise account. Like with travel cards, you can store money in different currencies, but it will also auto-convert at the current rate if you don’t have money stored in the necessary currency.

If you’re curious, you can read here about how Wise is regulated according to your country’s laws.

 

Who is the Wise Card For?

1695230884 89 Wise Card Review Is This Your Next Travel Card

Generally speaking, I believe anyone travelling internationally can get value out of using a Wise card. However, it’s much more useful if you’re already using Wise to receive different currencies from overseas. That’s because it saves you the step of loading funds onto your card’s account and the small associated fee for doing so.

As such, the Wise card is well-suited to digital nomads and freelancers with international clients. If you get paid in USD, Euros, GBP etc., you can get them sent to your Wise bank details and access them easily with your card. At the moment, they support 40 currencies, with information on which come with bank details here.

 

Wise Cash Withdrawals

1695230884 286 Wise Card Review Is This Your Next Travel Card

Beyond just charging expenses to the card using your funds, you can also use the Wise card to withdraw cash at ATMs. This has turned out to be my favourite use for the Wise card, as cash is still very important when travelling in some countries like Japan and South Korea.

What’s good about the Wise card is the way its fees are done. Each calendar month, you’re given two withdrawals up to a certain threshold without any rates or fees. This is excluding any fees the ATM merchant may charge of course.

But even once you reach three withdrawals or go over the free limit, the fees and rates are minimal (in my opinion). In Australia, for example, the free threshold is AU$350, after which it’s a 1.75% fee, and after the first two withdrawals a $1.50 fee.

The threshold and fee for your withdrawals do depend on where you’re from, but they were favourable compared to my previous go-to travel card. And if you’re able to be strategic with your timing, like I was in Japan and South Korea, you can avoid them.

 

Benefits of a Wise Card

1695230884 891 Wise Card Review Is This Your Next Travel Card

While using the Wise card these last few trips, I’ve encountered a few scenarios where I’ve been glad to have it with me.

  • It’s always helpful having more than one card when you travel, in case you run into a problem on one. Having a Visa card is also useful if your other card is a Mastercard in case of card/vendor problems or restrictions.
  • Rather than being strictly a debit card or a currency card, the Wise card feels like a hybrid of both. It lets you take advantage of favourable exchange rates, but doesn’t limit you if you exhaust funds in one currency either.
  • I ran into problems with my other credit card in Japan when trying to buy train tickets and at other times in South Korea. Thankfully, my Wise card worked fine and I think it was because it had the local currency stored on it.
  • Like other bank cards, you can add your Wise card to your smart phone to pay with Google Pay or Apple Pay.

 

Flaws of the Wise Card

1695230884 955 Wise Card Review Is This Your Next Travel Card

My one and only small gripe with the Wise card has been when I’ve depleted my funds in the local currency. When that happens, it auto-converts the remaining balance from one of your other stored currencies. Unfortunately, it’s taken from my Euros account in that situation and I wanted to keep my Euros for later to withdraw as cash. I can’t seem to find an option to nominate a default secondary currency to withdraw funds from.

 

Managing the Card Through the App

1695230884 45 Wise Card Review Is This Your Next Travel Card

Having an app for banking these days isn’t anything new or special. But I will say that the Wise app is especially easy to use and does help you manage your card. Go into the app and you can see for instance how far off the withdrawal threshold you are. You can also easily see your funds, add money, freeze the card, or even change which payment methods you want to allow for it.

With the app, it also makes it very easy to see the details of transactions and cash withdrawals. They clearly break down the fees associated with a withdrawal, so that there’s no confusion where you stand.

 

Getting a Wise Card

The process for getting a Wise Card couldn’t be simpler. Either log in or create a new account, and then pay a small one-time fee (currently US$9) for the card to be sent to you. They’ll also provide you with a digital card immediately so that you can get started using it online.

 


Have you tried using the Wise card as a travel card? What more information would you like from this Wise card review? Please share your thoughts in the comments below.

William Charles is a guy with a job who’s lucky enough to win every single time. He writes about sports because he watches sports. He watches sports because he writes about sports.

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Cultural destinations

These Are The Top 7 Beach Destinations In 2024 According To Travel And Leisure

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mallorca spain coastline

A comprehensive list of the top destinations for 2024 has been put together by the Travel and Leisure experts.

Numerous magazines have released their favorites for the upcoming year, and they all appear very different. While some are fully off the grid, others are popular hotspots.

In the end, you have to determine what interests you enough to plan a fantastic trip. Travel & Leisure divided up their best recommendations by category rather than covering all 50 locations.

Let’s examine the top 7 “beach vibes” for 2024 as listed by Travel & Leisure:
Florida’s Anna Maria Island
There are several locations in Florida that make for the perfect vacation, which is why the state continues to draw enormous numbers of visitors.

Miami and other major American beaches and cultural centers are located in this sunny state. However, a lot of people decide to take the ideal family vacation to Orlando.

Tampa is one place that gets overlooked despite having so many beautiful beaches close by. Travel and Leisure declares Anna Maria Island to be the greatest in Florida because of its friendly locals, breathtaking sunsets, and lack of skyscrapers that obstruct the view.

Your stay will be more enjoyable and accessible with new hotels and more flights to nearby Sarasota.
Italy’s Campania coast
This striking area is experiencing a hotel boom on some of the most picturesque coastline in the nation.

With four destinations to pick from for your European beach getaway—Amalfi, Positano, Capri, and Sorrento—Coastal Campania offers quadruple the pleasure.

Italy’s breathtaking beaches will wow you; many visitors associate the nation with ancient sites and excessive wine and pasta consumption.

You can still indulge in excessive amounts of delectable food and drink locally produced wine, but why not do it against the breathtaking backdrop of azure waters, undulating hills, and classic architecture?
There are several hotel alternatives available to travelers, ranging from luxurious accommodations with cliffside pools to intimate boutique styles.

Soon, American and Delta will begin offering direct service to the neighboring Naples.
There isn’t a single Costa Rican beach that Travel and Leisure recommended visiting in 2024. T and L essentially advise you to “just pick one” beach because they are all so lovely.

Any beach in Costa Rica is a good choice, however some are busier and more well-known than others.
While some may choose for more quiet spots to have a wonderful beach all to themselves, many small towns have a thriving surfing community that gets together to surf the waves.

Travelers adore visiting the land of pura vida, despite the fact that it is usually more expensive than nearby nations.

Travel & Leisure also adore it. Indeed, they have selected Costa Rica as the “Destination of the Year” for 2024. Whether traveling alone, with company, or on a family vacation, everyone will find their place in this stunning nation.

There are plenty of enjoyable excursions to discover the breathtaking beauty and culture of the country, and lodging options ranging from cozy hostels to opulent hotels are easily accessible.
Dominica  Over the past year, Dominica has been increasingly popular. Travel is on the rise, and more people are looking to discover bright new places to visit.

This Caribbean island features picture-perfect waterfalls, verdant jungles, and unspoiled beaches, making it a veritable paradise.

trekking enthusiasts should prepare their trekking shoes, as the breathtaking Waitukubuli National Trail spans more than 100 miles across the island.

More lodging facilities, including upscale establishments like InterContinental, are opening up. A major lure for tourists is sustainability, with charming eco-lodges.
Hawaii Island 🙠
We are all aware of the destruction Hawaii experienced earlier this year. After a wildfire decimated Maui, there has been debate in the travel industry over whether or not it is still safe to visit.

Travel and Leisure claims that Hawaii is prepared for tourists to return. Without requiring a passport, Hawaii offers one of the most unusual environments.

Stunning beaches, breathtaking waterfalls, and cliffside vistas are just a few of the main attractions for tourists.

Travelers are urged by the tourism sector to treat any island as if it were their own home and to be careful of their stay.
Mexico’s Los Cabos
With the cleanest beaches in all of Latin America, Los Cabos is among the most picturesque locations in Mexico.

“Is Cabo worth the price?” is the query that vacationers should be asking themselves. The top hotels, according to reports, are now charging an astounding $1000 a night on average!

With its boujee resorts, immaculate beaches, and exciting entertainment, Cabo is among the most opulent vacation spots that are accessible to most people.

In 2024, more opulent resorts are planned to open, and more flights are leaving from American airports.
Spain’s Mallorca
This gorgeous island in Spain is ideal for a romantic beach vacation. It is the location of the lovely city of Palma, which is overlooked in favor of Spain’s other major towns. Outside of the city are some of the most tranquil beaches the country has to offer, complete with dazzling waters, wide-open areas, and relaxed residents.

In between beach days, explore the amazing downtown streets for an abundance of tapas and mouthwatering wine. From boutique lodging to a Four Seasons resort, the quaint hotels will win your heart.

With United’s new direct route from Newark, getting to Mallorca is now easier than ever.

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Cultural destinations

These Are 5 Of The Top Destinations In Southeast Asia’s Cheapest Country

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Aerial View Of A Beach Area In Nha Trang, Central Vietnam, Southeast Asia
Southeast Asia, sometimes abbreviated as SEA, is the ideal destination for backpackers.

Vietnam is a very diverse subcontinent where foreigners are welcomed and hyperinflated Western prices are not a regular concern. This year, its popularity has increased due to lax visitation laws and less bureaucratic tourist visa processes, but no nation has shown itself to be as fashionable as Vietnam.

This tropical treasure borders the turquoise East Sea and is considered the cheapest destination in the South East Asia region. With extremely low consumer costs and a devalued national currency that enhances the spending power of the typical Westerner, it’s your best choice for an off-the-beaten-path tropical holiday that won’t break the bank.

After spending a lot of time exploring Vietnam, we have selected the top five places to go this winter that are affordable and rich in culture:
Mui Ne
Mui Ne, a tranquil fishing hamlet in South Vietnam, is undoubtedly the most underappreciated coastal location in the nation since it offers culture and wellness all in one place.

It’s got an emerging development strip with new resorts opening every few months, including the delightful boutique hotel The Anam that we featured earlier this year, as well as pristine reserves, sand dunes, family-run eateries, and historic Cham towers that date back hundreds of years.

With nightly rates as low as $114 and a prime location near Mui Ne’s high street rather than in a far-off place away from the activity, The Anam is the perfect starting point for visitors wishing to explore the town and the larger province.

The area is well-known for its seafood, particularly its fish sauce, and there are several authentic restaurants outside the resort complex that serve Vietnamese specialties, like rice noodle soup and sea snails, for as little as $5.
As Hoi An
Hoi An, the crown jewel of Vietnam, is a superbly maintained medieval river port with dwellings that have a yellow tint, winding alleyways, and a history that dates back more than 2,000 years.

A reminder of the successive colonization periods and the multicultural nature of Hoi An, it is situated in Central Vietnam, halfway between the country’s two largest cities, Hanoi and Ho Chi Minh City. Its eclectic architecture, influenced by Chinese, Japanese, and European styles, is evident throughout its bustling streets, which are home to medieval Sino pagodas, striking displays of colorful, brightly painted paper lanterns, a Japanese temple bridge that spans a picturesque canal, and several French-built civic structures that date back to the French Indochina period.

Hoi An, a UNESCO World Heritage Site, is a must-visit location if you’re traveling from North to South Vietnam or the other way around. Like other Vietnamese hotspots, it fits your budget—a three-day stay typically costs about $50, not including lodging.

Ho Chi Minh City, also known as Saigon, is the largest city in Vietnam and the political and cultural center of the former capitalist state of South Vietnam. Despite no longer serving as the country’s capital, it is still known by this name.

Still the most Westernized and outward-looking city in the nation, HCMC has changed with the times thanks to the support of a strong expat population, making it one of the top investment and business destinations in Southeast Asia.

HCMC, home to 8.4 million people, is a popular destination for digital nomads and young entrepreneurs. With its impressive French colonial architecture, war museums, and exciting nightlife, it’s a vibrant city that visitors shouldn’t miss when exploring Vietnam.

Cu Chi Tunnels, used by Viet combatants during the War, the Independence Palace, the former South Vietnam Government’s headquarters, and the Notre Dame Cathedral, a French Neo-Gothic structure, are just a few of the city’s top attractions.

When compared to other major cities in the subcontinent, HCMC is surprisingly affordable. Budget tourists could anticipate to pay a meager $30 per day, not including lodging.
Ha Trang
With over 500,000 residents, Nha Trang is one of Vietnam’s largest cities and the nation’s go-to sunny spot. Holidaymakers tend to flock there during the peak travel season, which runs from November to February when less precipitation is recorded.

Nha Trang is the new favorite digital nomad destination in Southeast Asia. It is another well-liked beach resort and bustling coastal metropolis lining the East Sea, where tall hotel towers and skyscrapers are bounded by a long stretch of white sand.

Not so well-known Nha Trang is fast rising to prominence as one of Southeast Asia’s most sought-after options for a seaside city break, thanks to its array of opulent hotels surrounding the shoreline and its abundance of top-notch restaurants serving traditional seafood from Central Vietnam.

In general, visitors should budget only $41 a day on average in Nha Trang, plus an extra $27 per night for lodging.

In addition to the stunning beaches and commercial malls, tourists may fully immerse themselves in Vietnamese culture by visiting the nearby Po Nagar ruins, an old temple that was established as early as the eighth century by the now-extinct Cham civilization.

Hanoi
A discussion of Vietnam’s most interesting travel locations would be incomplete without discussing Hanoi, which served as the country’s capital after the Reunification War and is now regarded as the country’s second-most important commercial and cultural hub after Ho Chi Minh City in the South.

The main draws of Hanoi are its broad, green boulevards in the European style and its greater degree of social development in comparison to other less developed areas of Vietnam:

Being the government’s capital and a major financial center, it has greater infrastructure than the typical Vietnamese city and is much cleaner, with less hectic traffic.

Not only is Hanoi a popular destination because of this, but visitors also enjoy it because of its high concentration of historic temples, French colonial landmarks, and large, open green spaces that offer a brief respite from the fast-paced city life.

Furthermore, because Hanoi has connections to off-beaten routes in North Vietnam, travelers frequently use it as a base for exploring the region’s wild nature, which includes stunning mountain ranges, the UNESCO-listed Halong Bay, and golden rice fields.

With an average daily cost of $50 for tourists, Hanoi is undoubtedly the most costly option out of the five; yet, even by Western standards, it is extremely affordable and definitely less expensive than other Asian metropolises like Singapore or Hong Kong.

Are you planning a trip to Vietnam soon? Find out more about this Southeast Asian treasure and some of the guidelines for visiting.

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These 5 U.S. Airlines Are Most Likely To Experience Flight Delays Right Now

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Woman Waiting at Airport

The holidays are quickly approaching, resulting in some of the busiest travel weeks of the year. Flight delays are typical this time of year, particularly around Thanksgiving and Christmas.

Flying may be a stressful experience in and of itself, but delays can make it even more so.

Booking with an airline that has a high proportion of on-time flights and booking a ticket early in the morning are two of the greatest strategies to avoid flight delays.

According to recent statistics from UpgradedPoints, the following airlines in the United States are most likely to face flight delays right now.

1. Frontier Airlines.

Frontier Airlines is currently the worst airline for flight delays. This low-cost carrier’s flights have a 31.9% risk of being delayed.

Rather of taking a chance and risking a one-in-three possibility of your flight being delayed, it’s best to select a more dependable airline for flights this winter.

Frontier is also dealing with other concerns, including as a class-action lawsuit against the airline’s $599 “unlimited flight” pass, which was introduced earlier this year.

2. Southwest Airlines

Last year, just around Christmas, Southwest Airlines experienced a catastrophic meltdown, resulting in thousands of flight delays and cancellations.

Many tourists questioned if booking with Southwest was safe in light of the complete breakdown of operations. While Southwest is likely to strive extra hard to avoid a similar disaster this winter, you may not want to take any chances.

Furthermore, according to historical statistics, Southwest flights have a 31.8% risk of being delayed, making the airline nearly as unreliable as Frontier.

3. JetBlue Airways

JetBlue is another untrustworthy airline with a significant likelihood of flight delays. When it comes to on-time flights, this New York-based carrier does not have the finest track record.

Although not as awful as Frontier or Southwest, going on JetBlue still means you have a staggering 30.8% probability of experiencing flight delays.

4. Allegiant Airlines

Allegiant Air is the next carrier on the list of possible delays. This low-cost airline is not very dependable, so although you may save money by booking your ticket, you may also face unexpected delays.

Allegiant Air flights are delayed 29.2% of the time.

5. Spirit Airlines

Finally, there is Spirit Airlines. Although this low-cost carrier is the brunt of many jokes for being a less-than-ideal mode of transportation, it isn’t as awful as some other US airlines when it comes to delays.

When flying with Spirit, there is a 28.1% risk of a flight delay.

Which Airlines Experience the Fewest Delays?

Now that you know which airlines are most likely to have flight delays right now (and which to avoid! ), here are the airlines with the fewest delays.

Although ultra-low tickets with airlines such as Frontier or Spirit may entice you, it may be worth the additional money to book with a more dependable airline.

The top three airlines with the fewest delays right now are:

  • Alaska Airlines has a 20.3% probability of being delayed.
  • Delta Air Lines has a 19.1% probability of being delayed.
  • Hawaiian Airlines has a 15.6% probability of being delayed.

Flights can be delayed for a variety of reasons, including aircraft faults, personnel concerns, weather, and other factors, but these three airlines have the fewest delays.

There is no foolproof technique to avoid flight delays (as lovely as that would be! ), but you may read this article for further advice on how to avoid the dreaded delay or cancellation.

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