Which Credit One cards have no foreign transaction fees?

No, you don’t have to set a Capital One travel notification, which is also known as a travel alert. Capital One discontinued its travel notifications in 2016. That’s not the only way Capital One makes travel easy. You also avoid foreign transaction fees because none of Capital One’s cards charge them.... read full answer

Here’s what you need instead of a Capital One travel notification:

• Customer service info: Keep the Capital One customer service information handy, in case your card is lost or stolen and you need to contact them.
• Card number or Social Security Number: Enter your card number when you call to speak to a representative. If your card is lost or stolen, enter your Social Security Number instead.

A travel notice tells a bank that the cardholder will be away from home during a given time period. That way, charges made from places you don’t normally visit won’t trigger the fraud prevention system and cause the bank to freeze the card. Like many issuers, Capital One uses EMV chip-and-signature technology. But unlike most of them, Capital One believes chip technology has made travel notices obsolete.

Each time you make a payment with a chip card, the chip creates a unique code for the transaction that can only be used one time. That prevents account information from being stolen at the point of sale. And that’s why there’s no longer the need for a Capital One travel notice.

But chip-and-signature technology doesn’t help you if someone steals your physical card. And it’s always good to be prepared. So, it’s important to know the numbers to call if you run into any problems using your card while traveling. For instance, if your card gets stolen, you can call to have it frozen and get an emergency replacement card overnighted to you. You can also get a cash advance by wire transfer in that situation.

Visa, Mastercard, American Express, and Discover credit cards can be used internationally. However, Visa and Mastercard credit cards are more widely accepted abroad.

Credit cards without foreign transaction fees are also crucial when traveling internationally. You’ll save an average of 1.52% on each purchase, compared to a card with a foreign transaction fee. As a result, Visa and Mastercard credit cards with no foreign fees are the best credit cards to use internationally.... read full answer

Notable Credit Cards for International Travel

When purchasing from international merchants, remember to also watch out for dynamic currency conversion. By avoiding foreign transaction fees and dynamic currency conversion, you could save up to 10% when using a credit card abroad.

Be aware that chip-and-PIN cards will be slightly more useful when traveling abroad than chip-and-signature cards. Unmanned kiosks, for example, may require a PIN from a chip-and-PIN card. That said, you’ll get around fine if you have any low-fee card on the Visa or Mastercard network and some of the local currency as backup.

Yes, Credit One does offer travel insurance. Credit One travel insurance benefits include car rental insurance and travel accident insurance. Travel insurance benefits are offered on only one Credit One credit card. Travel insurance benefits are offered on one Credit One credit card: the Credit One Bank American Express® Card.

If you’re not sure which travel credit card to get, you can always check out WalletHub’s recommendations for the best credit cards for travel insurance and travel rewards. Before picking a card, also be sure to check your credit score for free on WalletHub so that you know which cards you’ll be able to qualify for. And when you do get a card, check the guide to benefits that comes with it to see which types of travel insurance are included.