Europe on a budget: The best affordable hotel chains

If you’re a frequent traveler in the U.S., you probably have a favorite affordable hotel chain. It’s the one you book when you don’t want to spend a fortune for a single night but still want a decent experience. (We’re fans of Hampton Inn and Holiday Inn Express, for example.)

Finding similar options in Europe can be a little daunting, since some of the brands we know and trust don’t exist there. Here are a few to consider for your next trip:

Best Western. I associate Best Westerns with road trips through the American West, but the chain has some terrific properties, often in historic buildings, throughout Europe. My favorite so far: Best Western Premier Hotel de la Poste & Spa, housed in a former post office in Troyes, France. 

My CitizenM room felt like a spaceship pod, in a good way.

CitizenM. This “affordable luxury” chain offers small, well-designed rooms in prime locations. You won’t find bellboys or concierge desks. Instead, there’s a self-serve check-in desk that’s part of a larger “living room” that includes a bar, breakfast buffet and hang-out spaces. I stayed at CitizenM’s Copenhagen hotel, nicely situated on a public transit route near the train station and just steps from the old part of town, including Tivoli Gardens amusement park.

Moxy. This Marriott brand started in the U.S. and spread to Europe, where it emulates some aspects of the CitizenM experience, including compact rooms combined with large common spaces. Moxy locations tend not to be as centrally located as CitizenM’s, but if you need to stay near an airport or don’t mind a little extra travel time from an outlying neighborhood, the savings can be worthwhile.

Ibis Hotels. This is a budget brand from France’s Accor Hotels that you can find throughout Europe. If you need extra room for a family, look for Ibis Styles hotels, which offer slightly larger rooms (and included breakfast). I saw some Ibis hotels in great, central locations and others that were miles away from anywhere most tourists would want to be, so check a map before you book.

All these brands have frequent traveler programs. Best Western and Moxy allow you to book with points you accumulate in the U.S.

Do you have a favorite good-value hotel chain in Europe? Please share your experience in the comments.

Q&A: The best form of money to use while traveling through Europe

Dear Liz: My friend and I are widowed and really not money-wise. What is the best form of money to use in Europe, including Budapest, Vienna and various small towns? I’ve heard small-town merchants (and maybe even those in cities) don’t take credit cards, but even if they do, our bank charges substantial fees. I’ve also heard negative things about using ATMs. We’re going to be in most places only for one night, so getting each area’s currency would be cumbersome.

Answer: Americans accustomed to paying with plastic can be surprised to discover that merchants abroad, including some hotel owners, want to be paid in cash. Even businesses that accept credit cards may balk at processing U.S. cards, since our plastic lacks the more secure chip-and-PIN technology now used by most of the rest of the world.
So you’d be smart while traveling abroad to have multiple ways to pay and to choose methods that don’t ding you with excessive fees.

Let’s start with credit cards. Carry at least one with a Visa or MasterCard logo, because those are the most widely accepted brands in Europe. Call your issuers to see whether they charge foreign transaction fees. Many do, and these fees of up to 3% make every purchase more expensive than it needs to be. If all of your cards charge such fees, consider applying for one that doesn’t. Capital One waives foreign transaction fees on all of its cards, according to financial comparison site NerdWallet. Other cards that waive such fees, and which offer rich travel rewards, include Barclaycard Arrival World MasterCard, Chase Sapphire Preferred and BankAmericard Travel Rewards Credit Card.

Whichever card you use, call the issuer to let it know the dates you’ll be abroad. Otherwise your issuer may shut down your account for suspicious activity. Carry a backup card (and alert its issuer) in case your primary account is compromised or mistakenly blocked.

When you need local currency, the best way to get it is often from a bank ATM. Travel guru Rick Steves, who spends a few months in Europe each year and primarily uses cash, suggests you avoid “independent” ATMs run by companies such as Travelex, Euronet and Forex because of their often-high fees. Bank ATMs in Europe typically don’t charge usage fees, although your home bank may levy a $2 to $5 flat fee plus a foreign transaction fee of 1% or more for every withdrawal.

You can minimize usage fees by making infrequent but large withdrawals. Or you can use a checking account that doesn’t charge fees. Charles Schwab’s high-yield checking account offers unlimited ATM fee rebates worldwide with no foreign transaction fees, according to Brian Kelly of the travel rewards site If you have an account with Capital One 360, the online bank, ATM fees are waived and the bank absorbs MasterCard’s 1% foreign transaction fee. USAA Bank charges a 1% foreign transaction fee but doesn’t charge a fee for the first 10 ATM withdrawals.

If you do find yourself carrying a lot of cash abroad, consider bringing a money belt that tucks under your clothes. That’s generally more secure than carrying money in a wallet or purse. And have a great trip!