More generally, the best international credit cards share a couple of important characteristics. First, they’re all Visas and Mastercards. These two payment networks are the most widely accepted worldwide. Second, the best international credit cards are among the 9.8% of all offers that don’t have foreign transaction fees.
This combination can save you up to 11% on every purchase processed internationally, according to WalletHub research. And that doesn’t even include what you could earn in credit card rewards. Below, you can see which cards best meet the needs of international travelers and shoppers, as selected by our editors from 1,000+ offers.
2018's Best International Credit Cards:
|Best International Card For...||Card Name||International Fee||Annual Fee|
|Travel Rewards||Capital One® Venture® Rewards Credit Card||None||$0 for 1st yr, $95 after|
|Initial Bonus||Chase Sapphire Preferred® Card||$0||$0 Intro for the First Year, $95 after|
|Cash Back||Capital One® Quicksilver® Cash Rewards Credit Card||None||None|
|Airport Lounges||Chase Sapphire Reserve℠||$0||$450|
|College Students||Bank of America® Travel Rewards credit card for Students||None||None|
|Newcomers||Capital One® QuicksilverOne® Cash Rewards Credit Card||None||$39|
|No Annual Fee||Capital One® Secured Mastercard®||None||None|
It’s important to note that getting one of the best international credit cards won’t do you much good if you fall for a merchant trick known as dynamic currency conversion. This involves offering to convert the amount of your purchase amount to U.S. dollars from the native currency as an excuse to apply an unfavorable exchange rate and pocket extra profit. So always pay in the currency in which prices are listed.
In addition, you can check your credit score for free on WalletHub to see which of our editors’ picks would be best for your situation. WalletHub is the only site that offers free credit scores and full credit reports that are updated daily, so you’ll easily be able to track your credit over time. Plus, personalized advice will help make sure your score keeps going up.