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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

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • 0% Purchases until March 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 Excellent, Good
    • 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 on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn
    • See All Reviews & Details About The Capital One® VentureOne® Rewards Credit Card

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver cash rewards credit card
    • 0% Purchases until December 2015
    • 0% Transfers until December 20153% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee None
    • Rewards Rate 1.5% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent, Good

    Barclaycard Arrival Plus™ World Elite MasterCard®


    barclaycard arrival world mastercard credit card
    • 0% Purchases Not Offered
    • 0% Transfers 12 months3% Transfer Fee
    • Regular Rate 14.99% or 18.99%
    • Annual Fee None 1st yr, $89 after
    • Rewards Rate 2 miles/$1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Excellent
    • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that’s enough to redeem for a $400 travel statement credit.
    • Earn 2X miles on all purchases - Miles don't expire as long as your account is open, active and in good standing
    • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
    • See All Reviews & Details About The Barclaycard Arrival Plus™ World Elite MasterCard®

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige
    • 0% Purchases until June 2016
    • 0% Transfers until June 20163% Transfer Fee
    • Regular Rate 10.9% - 20.9% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Excellent, Good
    • Get 0% intro APR on all purchases until June 2016; 10.9%-20.9% variable APR after that
    • Balance transfers also have a 0% intro APR until June 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

    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 Excellent, Good
    • 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 on every purchase, every day.
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn
    • See All Reviews & Details About The Capital One® Venture® Rewards Credit Card

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    capital one quicksilverone cash rewards credit card
    • 0% Purchases until December 2015
    • 0% Transfers until December 2015No Transfer Fee
    • Regular Rate 22.9% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% cash back
    • Rewards Bonus None
    • Minimum Credit Fair, Limited History

    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
    • 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
    • See All Reviews & Details About The Chase Sapphire Preferred® Card

    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 Fair, Limited History
    • Start with no 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 monthly credit score and credit tips using Capital One® Credit Tracker
    • See All Reviews & Details About The Capital One® Platinum Credit Card

    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 22.9% (V)
    • Annual Fee $29
    • Monthly Fee None
    • Minimum Credit Limited History, Bad
    • 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—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®

    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 30,000 miles
    • Minimum Credit Excellent
    • Start with 30,000 bonus miles after you spend $1,000 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 United ticket purchases, 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
    • See All Reviews & Details About The United MileagePlus® Explorer 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.

     
    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.
    Jun 6, 2014
    By:
    I honestly feel that International credit cards are really only useful for those who travel frequently. For casual travelers, I do not think it is necessary unless they feel that they have an upcoming trip that they feel they will be spending a lot of money on. Other than that, it is better if people try to limit the amount of credit cards they have. It is a good thing to try to simplify one's life and just keep the credit cards they actually use.
    May 7, 2014
    By:
    International credit cards, without foreign transaction fees, are useful for everyone, even if you do not travel overseas very often. Many of these cards have airline miles, cash back bonuses or other perks available for everyday purchases. This means that even if you are not traveling outside of the county, you can still benefit from having a Visa or Master Card that does not have foreign transaction fees because you are earning some sort of reward when you spend. Over time, these perks add up and can actually help pay for your travel. The foreign transaction fees can really add up for even the casual traveler when they do venture outside of the country, so it is a good idea to have one of these cards just in case.
    May 4, 2014
    By:
    International credit cards are useful for everyone, with the waiving of foreign transaction fees. It's not a deciding factor, but it is a convenience especially if it's with a no-annual fee card. As a casual traveler, I would not choose a card with an annual fee just for a foreign transaction fee waiver, as there are a lot of no-fee cards that offer the same thing. But as a frequent traveler, I would not mind getting an international credit card, as sometimes those offer other benefits and protections besides the fee waiver.
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