The best international credit cards have a couple of important characteristics in common. First, they’re all Visas and Mastercards. These two payment networks are the most widely accepted worldwide, which means you shouldn’t have any issues as long as you're not traveling in a remote region. Second, the best international credit cards are among the 9.8% of all credit cards that don’t charge foreign fees.
This combination can save you up to 11% on every purchase processed internationally, relative to using hard currency exchanged at a bank or airport kiosk, according to WalletHub research. And that doesn’t even include what you could earn in credit card rewards. Below, you can see the specific offers that meet these criteria, as selected by our editors out of 1,000+ total cards.
2017’s Best International Credit Cards
|Best For…||Card Name||International Fee||Best Feature||Editors’ Rating|
|Excellent Credit||Barclaycard Arrival Plus™ World Elite Mastercard®||0%||Travel Rewards||5 Stars|
|Good Credit||Capital One® Quicksilver® Cash Rewards Credit Card||0%||Cash Back||4.4 Stars|
|Fair/Limited Credit||Capital One® QuicksilverOne® Cash Rewards Credit Card||0%||Cash Back||4.7 Stars|
|Bad Credit||Capital One® Secured Mastercard®||0%||No Annual Fee||5 Stars|
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.