Which credit card is accepted worldwide?

All credit cards that belong to a major credit card network are accepted worldwide, such as Mastercard, Visa, and American Express credit cards. Visa and Mastercard are the two largest card networks in the world, and are accepted in more than 200 countries and territories. American Express cards are also widely accepted, with coverage in over 198 countries and territories—a reach that’s only slightly more limited.

Some card networks – like American Express – also issues credit cards, while others – such as Visa and Mastercard – do not. Rather, many different banks and credit unions issue credit cards on the Visa or Mastercard network. That means the cards will work anywhere Visa and Mastercard does, and cardholders will receive some other network benefits, such as travel insurance. It also means you have plenty of options.

Notable Credit Cards Accepted Worldwide

Initial Bonus: 75,000 miles for spending $4,000 on purchases within 3 months from account opening of account opening

Ongoing Rewards: 5 miles per $1 spent on hotels, vacation rentals and rental cars booked through Capital One Travel, 5 miles per $1 spent on Capital One Entertainment purchases through 12/31/25, as well as 2 miles per $1 on all other purchases

Annual Fee: $95

Foreign Transaction Fee: $0

Card Network: Mastercard

Minimum Credit Required: Good credit

Initial Bonus: 75,000 points for spending $5,000 on purchases in the first 3 months of account opening

Ongoing Rewards: 5 points per $1 spent on travel purchased through Chase Travel℠, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases

Annual Fee: $95

Foreign Transaction Fee: $0

Card Network: Visa

Minimum Credit Required: Good credit (a credit score of 700+)

Initial Bonus: Enjoy $100 to use on Capital One Travel in your first cardholder year (limited-time offer), plus 20,000 bonus miles for spending $500 in the first 3 months of account opening

Ongoing Rewards: 5 miles per $1 spent on hotels, vacation rentals and rental cars booked through Capital One Travel, and 1.25 miles per $1 on all other purchases

Annual Fee: $0

Foreign Transaction Fee: $0

Card Network: Mastercard

Minimum Credit Required: Good credit

Initial Bonus: $50 for spending $100 in the first 3 months of account opening

Ongoing Rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases)

Annual Fee: $0

Foreign Transaction Fee: $0

Card Network: Mastercard

Minimum Credit Required: Limited History credit

Initial Bonus: 90,000 points for spending $8,000 in the first 3 months of account opening

Ongoing Rewards: 3 points per $1 on the first $150,000 spent per year on travel and select business expenses, and 1 point per $1 on all other purchases

Annual Fee: $95

Foreign Transaction Fee: $0

Card Network: Visa

Minimum Credit Required: Good credit (a credit score of 700+)

At the end of the day, there are a few things that are really important to consider when shopping for the best credit card that's accepted worldwide. The card’s network is important because it will control where it is accepted. Then, you also need to look at foreign fees, annual fees, and rewards to find the right mix for you. If you have bad credit, your best option will be a secured Visa or Mastercard credit card.

All Visas and Mastercards are accepted worldwide.