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International Credit Cards

International credit cards, as their name suggests, are merely credit cards that can be used to make purchases around the world. A credit card’s applicability to international use depends primarily on its network. A credit card network dictates the number of merchant locations at which a card will be accepted. Visa and MasterCard are the most widely accepted networks--both accepted at tens of millions of locations in over 200 countries and territories worldwide. As a result, we have listed below only no international fee credit cards that are either VISA or MasterCard. While credit network and technology are the…show more

    3.5 2,170 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • 0% Purchases until May 2016
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 21.9% (V)
    • Annual Fee None
    • Rewards Rate 1.25 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want with no blackout dates
    • Miles don't expire and there’s no limit to how many you can earn
    • Additional Info
    • Enjoy a low intro APR on purchases until May 2016; 11.9%-21.9% variable APR after that
    • No foreign transaction fees
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • Fraud Coverage - $0 Fraud Liability if your card is ever lost or stolen
    • Warranty Manager/Extended Protection - provides you with valuable features to help manage, use, and even extend warranties of items purchased with your card
    • Auto rental insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See All Reviews & Details About The Capital One® VentureOne® Rewards Credit Card
    3.5 2,408 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • 0% Purchases until February 2016
    • 0% Transfers until February 20163% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee None
    • Rewards Rate 1.5% cash back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until February 2016; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until February 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere
    • See All Reviews & Details About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 1,032 reviews

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige
    • 0% Purchases until August 2016
    • 0% Transfers until August 20163% Transfer Fee
    • Regular Rate 10.9% - 20.9% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Get 0% intro APR on all purchases until August 2016; 10.9%-20.9% variable APR after that
    • Balance transfers also have a 0% intro APR until August 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Fraud coverage if your card is lost or stolen
    • Enjoy extended warranty protection on eligible items purchased with your card
    • Easily manage your account 24/7 with online access, by phone or using our mobile app
    • Pick the monthly due date that works best for you
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • See All Reviews & Details About The Capital One® Platinum Prestige Credit Card
    4 1,272 reviews

    Capital One® Venture® Rewards Credit Card


    capital one venture
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
    • Earn unlimited 2X miles per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don't expire and there’s no limit to how many you can earn
    • Additional Info
    • No foreign transaction fees
    • No annual fee for the first year; $59 after that
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • Exclusive award-winning customer service
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Travel upgrades and savings - Receive complimentary upgrades and special savings at hotels, resorts, and spas with your Visa Signature card.
    • Complimentary concierge service - Enjoy assistance 24 hours a day, from home and when you travel, with Visa Signature Concierge.
    • Special access to events - Your Visa Signature card gets you special access and preferred seating at popular sporting events, premier golf outings, and concerts.
    • Shopping discounts - Take advantage of special discounts at top retailers and online merchants with your Visa Signature card.
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Emergency Card Services - If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance.
    • Warranty Manager/Extended Protection - provides you with valuable features to help manage, use, and even extend warranties of items purchased with your card
    • Auto Rental Insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See All Reviews & Details About The Capital One® Venture® Rewards Credit Card
    3 1,837 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • 0% Purchases until February 2016
    • 0% Transfers until February 2016No Transfer Fee
    • Regular Rate 22.9% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% cash back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until February 2016; 22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until February 2016
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Extended Warranty - automatically doubles the original manufacturer's/store's warranty on eligible purchases
    • See All Reviews & Details About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    4 2,172 reviews

    Chase Sapphire Preferred® Card


    chase sapphire preferred
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 15.99% (V)
    • Annual Fee None 1st yr, $95 after
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 40,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards®
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
    • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
    • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
    • Additional Info
    • No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
    • Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
    • 24/7 direct access to dedicated customer service specialists
    • Introductory Annual Fee of $0 the first year, then $95
    • See All Reviews & Details About The Chase Sapphire Preferred® Card
    3.5 1,312 reviews

    Capital One® Platinum Credit Card


    capital one standard platinum
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 24.9% (V)
    • Annual Fee $0 for 1st yr, $19 after
    • Rewards Rate None
    • Minimum Credit Limited History
    • Rewards Details
    • Additional Info
    • Start with a $0 intro annual fee for the first year; $19 after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is lost or stolen
    • Use online banking to access your account, even from your smartphone with our mobile app
    • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
    • Get access to your account 24 hours a day, 7 days a week
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • See All Reviews & Details About The Capital One® Platinum Credit Card
    4 4,239 reviews

    Capital One® Secured MasterCard®


    capital one secured credit card
    • Secured Credit Card Min Deposit of $49, $99, or $200
    • One-Time Fees None
    • Regular Rate 24.9% (V)
    • Annual Fee None
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • No annual fee, with all the credit building benefits
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • Your minimum security deposit gets you a $200 credit line
    • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
    • Easily manage your account 24/7 with online access, by phone or using our mobile app
    • It’s a credit card accepted at millions of locations worldwide
    • See All Reviews & Details About The Capital One® Secured MasterCard®
    3.5 513 reviews

    United MileagePlus® Explorer Card


    united credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 15.99% (V)
    • Annual Fee None 1st yr, $95 after
    • Rewards Rate 1 - 2 miles / $1
    • Rewards Bonus 50,000 miles
    • Minimum Credit Excellent
    • Rewards Details
    • LIMITED TIME OFFER: Start with 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months
    • Check your first bag for free – save up to $100 per roundtrip
    • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
    • Earn double miles on tickets purchased from United, and 1 mile per $1 on all other purchases
    • Your miles don’t expire as long as you’re a Cardmember, with no limit to the number of miles you can earn
    • Use your miles for any seat, any time, on any United flight
    • Additional Info
    • No foreign transaction fees
    • $0 intro annual fee for the first year, then $95
    • See All Reviews & Details About The United MileagePlus® Explorer Card
    4 1,110 reviews

    Capital One® Classic Platinum Credit Card


    capital one classic platinum credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 20.9% (V)
    • Annual Fee $39
    • Rewards Rate None
    • Minimum Credit Limited History
    • Rewards Details
    • Additional Info
    • Get the credit you need with a competitive rate
    • Get access to a higher credit line after making your first 5 monthly payments on time.
    • Fraud coverage if your card is lost or stolen.
    • Use online banking to access your account, even from your smartphone with our mobile app
    • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
    • Get access to your account 24 hours a day, 7 days a week.
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
    • See All Reviews & Details About The Capital One® Classic Platinum Credit Card
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    Expert’s Answers

    Are there fees for international credit card use?

    By: Odysseas Papadimitriou, CardHub CEOYes, according to Card Hub data, 90.2% of credit cards charge international fees of 3% for any purchases processed outside the United States. Given that you don’t need to physically be outside the country to incur these fees, we suggest getting a no foreign transaction fee credit card prior to dealing with any foreign-based merchants in person or online.

    Which is the best international credit card?

    By: Odysseas Papadimitriou, CardHub CEOThe best international credit cards do share a couple of common characteristics. First, they are on either the Visa or MasterCard networks. These two payment networks boast the widest global acceptance and as long as you're not traveling in a remote part of the world, you shouldn't have any issues. Second, the best international credit cards are among the 9.8% of all credit cards that don’t charge foreign fees. Other than that, determining the best international credit card depends on your intended use. If you’re aren’t going to be able to pay your bill in full every month, get a zero APR credit card; otherwise, get the best rewards card. Obviously, in either scenario, the card you get should meet your credit standing as well as the aforementioned criteria for international use.

    Do I need an international credit card if I do business with foreign-based companies?

    By: Odysseas Papadimitriou, CardHub CEOIf you are a small business owner who deals with international merchants and/or clients or you simply buy things from foreign-based companies on a frequent basis, then you should have an international credit card. International fees apply to any purchase that is processed outside of the U.S., regardless of where you are when you make it. For business owners, whether you get one of the many international business credit cards or a general international credit card depends on whether or not you will pay off the balance on this card in full every month. Business credit cards are not covered by the CARD Act protection that prevents issuers from arbitrarily increasing interest rates on existing balances. General-consumer cards are, however, and are therefore a better choice if you must revolve a balance.

    Does credit card technology differ around the world?

    By: John Kiernan, Personal Finance EditorDifferent countries rely on different credit card technologies, with the two main types being the United States’ magnetic stripe credit cards and the chip-and-pin system employed by the majority of European nations, Japan and Canada. Differences between these technologies may prevent you from using some automated aspects of another nation’s payment infrastructure (e.g. parking meters and vending machines) but are currently only a minor factor in terms of a particular card’s suitability to international use. Over time, technological differences between credit cards will become more important as more pervasive effects of the European Payments Council’s attempts to limit magnetic stripe credit card use are felt. The decisions of major credit card companies--namely, Wells Fargo, U.S. Bank, and Chase--to begin offering chip-and-pin cards on a limited basis is only evidence of this fact. Global credit card interoperability isn’t too far down the road, however.

    If I travel abroad, should I have an international debit card as well?

    By: John Kiernan, Personal Finance EditorIn light of the fact that you won’t be able to use plastic for every purchase you make everywhere around the world, you’re going to need cash. Now, you could exchange cash at a local bank before leaving for a trip or do so at an airport currency exchange kiosk, but these methods are much more expensive than leveraging the Visa or MasterCard exchange rate, according to Card Hub’s Currency Exchange Study. This DOES NOT mean you should take cash advances on your credit card while out of the country though. You should instead get a low-cost international debit card in order to withdraw cash at ATMs in your destination country. As is the case with international credit cards, the best international debit cards are those on the Visa or MasterCard network that have low international ATM fees. A rule of thumb is that an international ATM fee below 1% of the amount being withdrawn is a good deal.

    What are international prepaid credit cards?

    By: Odysseas Papadimitriou, CardHub CEO“International prepaid credit card” is just a misleading term. No line of credit is extended with a prepaid card and therefore the word “credit” is used in error. In fact, a prepaid card at its core is a Visa/MasterCard debit card that is not linked to a checking account. While you still might see prepaid cards advertised as “prepaid credit cards,” that is simply a marketing ploy designed to increase the appeal prepaid cards have to prospective applicants.

    Community Discussion

    Ask a question or help others find the best international credit cards by sharing some tips.

     
    May 6, 2015
    By:
    I would say that having an international credit card would only be useful for those who travel frequently. I travel out of the country (somewhat infrequently, but I do travel) and I have an international credit card for this reason. It's extremely useful for me because I can buy things wherever I travel and not have to worry too much about currency converting or anything like that. I cannot see anyone who does not travel frequently needing something like this, though.
    May 1, 2015
    By:
    I travel internationally on a frequent basis, and having international credit cards is very valuable to me. It's very convenient as they are widely accepted and make transactions easier. Not to mention, rewards add up very quickly when you travel a lot. I don't know if it would be worth it for someone who does not travel frequently though. I would probably opt for another kind of credit card if I did not travel very often. One sure thing, there are tons of credit cards and with enough research you can find one that is perfect for your needs.
    Apr 25, 2015
    By:
    I think International credit cards are more important for people that travel internationally on a more frequent basis. I think for a casual traveler, it might not be worth it. I must say that I like the seecurity and features it provides when traveling internationally, but I'm not somone to apply for a credit card just for a one time trip. The only way I would apply for an international credit card as a casual traveler, would be if it offered the same perks for domestic travel.
    Apr 15, 2015
    By:
    I think you can get the most out of international credit cards if you travel frequently, but that doesn't mean it's not also useful to casual travelers. Both are able to use them and enjoy it. There's also usually added/extra security on these types of cards, which is always a plus. Whether you travel frequently or casually, it's a good card to have on you. You just need to choose which type is best, since you wouldn't want to go all out on a card and features if you're just a casual traveler.
    Apr 7, 2015
    By:
    International credit cards are very convenient while traveling abroad. They are widely accepted and transactions are relatively easy. I think that international credit cards could also provide an advantage for domestic travelers. Domestic travelers may wish to utilize their cards with international merchants while in the United States. Such transactions are possible with the international credit card. It is important to note that international credit cards usually charge a fee for international transactions, even when the transaction originates within the United States. I think that international credit cards offer additional flexibility to customers whether domestically or internationally.
    Apr 3, 2015
    By:
    As a traveler abroad, I rely on my international credit card through Bank of America. When outside of the country, I am able to use the card securely. I feel confident that my transactions will not be accessed any type of foreign fees which I believe are ridiculous. Along with this, I am able to access my home account and verify all transactions that I have made.
    Mar 19, 2015
    By:
    I believe international credit cards without foreign transaction fees can be important to both people who travel frequently, as well as useful to casual travelers. However, those who travel frequently will obviously earn more rewards, and more quickly than casual travelers. International credit cards are accepted both where you live and in other countries, making them a convenient currency for both frequent and casual travelers.
    Mar 15, 2015
    By:
    International credit cards, are extremely important for individuals, whether they travel frequently, or casually. An international credit card can not only be utilized internationally, the credit card can also be utilized in an individual's home country as well. However, it is important to note that the greatest benefits of an international card, is best utilized internationally. More importantly, when obtaining a credit card, and you are a traveler, the international credit card has much more stricter policies in place, therefore, a card holder will feel much more at ease when it comes to fraudulent activity.
    Feb 28, 2015
    By:
    International credit cards certainly are similar to other credit cards in that they can be used locally as well as globally. However, I feel as though the benefits will be appreciated more by the world traveler as opposed to the individual who stays close to home. There are literally hundreds and hundreds of credit card options available to someone who intends to spend their money on a local level. For those who travel the globe for leisure or work, the low interest rates around the globe are definitely worth the time and effort of applying for the credit card.
    Feb 19, 2015
    By:
    International credit cards can certainly be useful to anyone, not only those who travel frequently! While a big draw of international credit cards is that they can be used at low interest rates anywhere in the world, they can also be used in your home country. On top of that, security is typically more strict on these cards so they are a good option if you’re concerned about fraud protection.
    Feb 14, 2015
    By:
    International credit cards can certainly be useful to anyone, not only those who travel frequently. Though international credit cards can be used at low interest rates anywhere in the world, they can also be used in your home country. Additionally, security is typically more strict on these cards so they are a good option if you’re concerned about fraud protection. I do not travel internationally very often, but I have a number of international credit cards.
    Oct 12, 2014
    By:
    For me International credit cards are useful not only for those who traveled frequently but also for us with a few time to travel in any part of the world. The important thing is to choose the best international credit card you apply, select those minimal credit card charges. Many international credit cards had the same charges with our non-international credit cards, so it is better to have an international credit card even if you don't travel regularly. Another advantage of having an international card is, if you have an emergency trip to another country you don’t have to worry because you have already that credit card, It takes days or weeks to open an international credit card. Having a credit card on traveling is much comfortable than nothing. This is based on my personal experience.
    Sep 23, 2014
    By:
    Although there seem to be a variety of opinions on this topic, I personally feel that that international credit cards (without transaction fees of course) are useful for almost everyone. The only type of people this credit card would not be good for are those who know they will never travel. Personally, I have liked having the freedom to travel casually (I don't do it as much as I would like) and be able to use a charge card without incurring additional fees. The cards listed above appear to be useful for even the occasionally traveler. Plus, bringing lots of cash abroad is not the best idea!
    Sep 1, 2014
    By:
    I agree with most people here, in that international credit cards aren't solely for constant travelers. Mine, for example, allows airline miles to be exchanged for dollars/ vice versa. If I do an intense amount of traveling in two years, then relax a bit, I can still use the airline miles or gas miles to do minor traveling domestically at a lesser rate. It's not a bad idea to have at least one of these cards.
    Jul 4, 2014
    By:
    HOW CAN I HAVE MY INTERNATIONAL MASTER CARD OR INTERNATIONAL DEBIT MASTER CARD ONLINE INSTANTLY ???
    Jul 15, 2014
    Photo of Card H.
    You cannot get instantly a card online.
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