Taking Gap year. Best travel credit card

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Hi all,

I’m going travelling for a year and I’m reviewing the best cards to take to maximise rewards and allow for flexibility in which rewards I can use them for. The Amex Avios cards seem rigid and geared towards only Back. The rewards points although a bit better with some hotels charge 3% fee per foreign exchange transaction. I’m not eligible for HSBC premium world elite so I’m trying to see how I get the best of everything. Thanks

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