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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 2,849 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • Purchase Intro APR 0% until February 2017
    • Transfer Intro APR Not Offered
    • Regular APR 12.24% - 22.24% (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 February 2017; 12.24%-22.24% variable APR after that
    • No foreign transaction fees
    • 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 More Details & Reviews About The Capital One® VentureOne® Rewards Credit Card
    3.5 3,018 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • Purchase Intro APR 0% until November 2016
    • Transfer Intro APR 0% until November 2016 3% Transfer Fee
    • Regular APR 13.24% - 23.24% (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
    • Additional Info
    • 0% intro APR on purchases until November 2016; 13.24%-23.24% variable APR after that
    • Balance transfers also have a 0% intro APR until November 2016; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • See More Details & Reviews About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 362 reviews

    Barclaycard Arrival™ World MasterCard®


    barclaycard arrival
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 16.24% - 24.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
    • Earn 2X miles on travel & dining and 1X miles on all other purchases
    • Get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
    • See More Details & Reviews About The Barclaycard Arrival™ World MasterCard®
    4.5 2,478 reviews

    Barclaycard Arrival Plus™ World Elite MasterCard®


    barclaycard arrival plus
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 16.24% - 20.24% (V)
    • Annual Fee None 1st yr, $89 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Excellent
    • Rewards Details
    • 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
    • Get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
    • See More Details & Reviews About The Barclaycard Arrival Plus™ World Elite MasterCard®
    4 1,547 reviews

    Capital One® Venture® Rewards Credit Card


    capital one venture
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 13.24% - 23.24% (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
    • $0 intro annual fee for the first year; $59 after that
    • 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.
    • 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.
    • Auto Rental Insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See More Details & Reviews About The Capital One® Venture® Rewards Credit Card
    3.5 2,556 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • Purchase Intro APR 0% until November 2016
    • Transfer Intro APR 0% until November 2016 No Transfer Fee
    • Regular APR 23.24% (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
    • Additional Info
    • 0% intro APR on purchases until November 2016; 23.24% variable APR after that
    • 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
    • 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
    • MasterRental® Insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • Master RoadAssist® Service - take advantage of 24 hour toll-free dispatch to help with services like towing, fuel delivery, and more
    • See More Details & Reviews About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    4 2,426 reviews

    Chase Sapphire Preferred® Card


    chase sapphire preferred
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 16.24% - 23.24% (V)
    • Annual Fee Intro Fee of $0 for 1st yr, $95 after
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 50,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®
    • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
    • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
    • 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
    • $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
    • Travel and shop with confidence with premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
    • Introductory Annual Fee of $0 the first year, then $95
    • See More Details & Reviews About The Chase Sapphire Preferred® Card
    3.5 1,841 reviews

    Capital One® Platinum Credit Card


    capital one platinum
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 24.99% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Limited History
    • Rewards Details
    • Additional Info
    • Pay no annual fee
    • 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
    • Help strengthen your credit for the future with responsible card use
    • See More Details & Reviews About The Capital One® Platinum Credit Card
    4 4,981 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 24.99% (V)
    • Annual Fee None
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • No annual fee, and all the credit building benefits with responsible card use
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • 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 More Details & Reviews About The Capital One® Secured MasterCard®
    4 324 reviews

    Citi ThankYou® Premier Card


    citi thankyou premier
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 14.24% - 23.24% (V)
    • Annual Fee None 1st yr, $95 after
    • Rewards Rate 1 - 3 points / $1
    • Rewards Bonus 40,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 40,000 bonus points after $3,000 in purchases within the first 3 months of account opening - redeemable for $400 in gift cards, $500 for airfare, or other great rewards
    • Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases
    • ThankYou® Points are worth 25% more when redeemed for travel through thankyou.com, as compared to gift cards
    • No foreign transaction fees on purchases
    • Points do not expire and earn unlimited ThankYou Points
    • Additional Info
    • Annual Fee: $95 (fee waived for the first 12 months)
    • See More Details & Reviews About The Citi ThankYou® Premier 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.

     
    Sep 29, 2015
    By:
    I don’t think international credit cards provide a lot of savings—at least, most of them don’t. They are necessary because it may not always be easy to withdraw cash from places that do not have your bank, but many cards charge fees for international use. These fees can really pile up if you travel a lot. They can only provide savings if these fees can be waived, or if the card can offer enough incentives to overcome the fees.
    Sep 5, 2015
    By:
    I have ICICI Coral credit card. Is that an international credit card? I failed to book a flight casted in dollars in USA with this card.
    Sep 16, 2015
    Photo of Card H.
    Unfortunately, this card seems to have a 3.50% surcharge for purchases not made in terms of Indian Rupees. We recommend getting a no foreign transaction fee Visa or MasterCard so you don’t have to worry about which currency a given item’s price is listed in. You can check out credit cards that do not charge foreign transaction fees here: http://www.cardhub.com/credit-cards/foreign-transaction-fee/
    Sep 2, 2015
    By:
    I think it's hard to tell sometimes which international credit card is right for you. You have to do some research on more than one. Try to line up what they offer with what you need and want. Frequent-flier miles through loyalty programs can pay off good if you travel a lot. Credit cards have been around a long time, so carefully pick.
    Aug 4, 2015
    By:
    International credit cards are necessary for people that travel abroad, even once. I learned this the hard way after my bank put a hold my credit card after making my first purchase abroad. I had to call my issuer and verify that I was in a foreign country. ( A call that cost me $$) Then I had to wait another several hours for the hold to be lifted. In all reality, I spent thousands of dollars to travel abroad and sit, doing nothing because I had no access to my money. When my hold was finally lifted, I learned about all the extra fees associated with using a credit card in a foreign country. If you don't have an international credit card then the value of your dollar can go down as much as 10%. When you have a budget of $1000 spending money, you suddenly lose $100 of it to fees.
    May 28, 2015
    By:
    I feel that an international credit card can indeed have a significant amount of savings that's if you travel a lot for job reasons or just for fun. I would not recommend this card if you only travel a few times a year. I feel the card is only worth it if you travel frequently.
    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.
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