What Is an International Credit Card?

What Is an International Credit Card?

Woman outdoors with foreign city in background using her international credit card

An international credit card you can use pretty much anywhere in the world. It’s a card that doesn’t charge foreign transaction fees and includes an international chip and PIN.

Not all cards that work in the U.S. work when your traveling internationally. So, a card you can use in Australia, Canada, Europe, Japan, Mexico and elsewhere means you won’t run into businesses that only accept specific types of payments or certain currencies when you’re traveling. If you want to avoid the hassles of carrying cash or traveler’s checks, getting stuck at a kiosk unable to finish a transaction or paying foreign transaction fees for your purchases, an international credit card is a must-have.

Credit Card Foreign Transaction Fees

A foreign credit card transaction fee is a fee charged when you use your credit card to make a payment in a different country. It used to be known as a foreign currency conversion fee.  It’s a fee is added on to the sale because you’re paying in a foreign currency. Typically, foreign transaction fees are roughly 3% of the total cost of the transaction. They are also charged in U.S. dollars.

If you purchase an item or souvenir in another nation’s currency and the total bill comes to $100, with 3% in a foreign transaction fee tacked on, you pay a total of $103.

Foreign transaction fees are charged on different types of transactions, including withdrawing money from ATM machines, reserving hotel rooms or even booking your airline flights. The terms and conditions for foreign transaction fees are usually included in the fine print of your credit card cardholders agreement. Make sure you review your agreement so you understand all rates and fees before using your card for purchases abroad.

The International Chip and PIN

The international chip and PIN are part of a system—referred to as Euro Pay, Mastercard, Visa or EMV chips. EMV chips started in Europe and are now integrated into credit cards worldwide. The chip replaced the traditional magnetic strip used on U.S. credit cards until recently. Many foreign merchants won’t accept standard magnetic strip credit cards, because the technology is considered unsafe and outdated.

U.S. merchants that accept magnetic strip cards now foot the liability of fraudulent transactions where the credit card company foots if it a chip card is used.

The PIN, or personal identification number, is a standard part of cards in Europe. The PIN associates a four-digit number with the card to identify the cardholder’s authenticity and authorize transactions—usually at self-serve kiosks, ticket booths, gas pumps, toll booths and phone booths. While uncommon, it’s useful to get a PIN for your international credit card so you don’t find yourself at a self-serve kiosk unable to complete your purchase when traveling.

So, you plan to travel outside the U.S., especially if your plans include Europe, when shopping for a travel credit card, look for one that features international chip and PIN capabilities.

International Credit Card Options

There are different international credit cards available, but some offer better benefits and interest rates than others. Some even offer a rewards program. The editors at Credit.com break down a few of the available cards here to help you see some of your options and start to find the best card for your travels.

An international credit card to consider is the Chase Sapphire Preferred card. This card was named the “Best Credit Card for Flexible Travel Redemption” by Kiplinger’s Personal Finance in June of 2018. This Chase card lets you earn 60,000 bonus point after you spend $4,000 on purchases in the first 3 months from your initial account opening. That equals $750 you can use towards travel when you redeem through Chase Ultimate Rewards. Better yet, this card doesn’t charge foreign transaction fees and there are no blackout dates or travel restrictions. It does have a somewhat higher variable annual percentage rate (variable APR) for both purchases and balance transfers. Nonetheless, if you don’t carry a high balance, this one is a nice all-around option.

Chase Sapphire Preferred® Card

Apply Now

on Chase’s secure website

Card Details
Intro Apr:
N/A


Ongoing Apr:
18.24% – 25.24% Variable


Balance Transfer:
18.24% – 25.24% Variable


Annual Fee:
$95


Credit Needed:
Excellent-Good

Snapshot of Card Features
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named “Best Credit Card for Flexible Travel Redemption” – Kiplinger’s Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No blackout dates or travel restrictions – as long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards

Card Details +

Another nice international travel card option is the Wells Fargo Propel American Express® card. Its intro bonus isn’t quite as much as the Chase Sapphire Preferred card, but it’s still a nice 30,000 bonus points when you spend $3,000 in purchase in the first three months, which is worth a $300 cash redemption value. This card also has an intro APR of 0% intro for 12 months on purchases and 0% intro for 12 months on qualifying balance transfers. And it has no annual fewe.

The Wells Fargo card also rewards you when you travel with 3X points for eating out and ordering in and 3x points for flights, hotels, homestays and car rentals. Plus, you get 1X points on all other purchases. And it has no foreign transaction fees or foreign currency conversion fee.

Wells Fargo Propel American Express® Card

Apply Now

on Wells Fargo’s secure website

Card Details
Intro Apr:
0% intro for 12 months


Ongoing Apr:
16.24% – 27.24% (Variable)


Balance Transfer:
0% intro for 12 months on qualifying balance transfers


Annual Fee:
$0


Credit Needed:
Excellent-Good

Snapshot of Card Features
  • Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value
  • $0 Annual Fee
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select “Apply Now” to learn more about the product features, terms, and conditions

Card Details +

The Capital One Venture Rewards card is a credit card worth considering too. It offers a solid introductory APR and travel rewards points. It also rewards you with a sign-on bonus of up to 20,000 miles or $200 in travel when you spend $1,000 in your first three months. The only downside is that this card comes with an annual fee after the first year.

If you enjoy the Capital One brand but want to avoid an annual fee, consider the Capital One Venture One Rewards Credit Card. The card gives you all the advantages of Capital One without a fee every 12 months.

If you’re after a prepaid debit card that has no foreign transaction fees, consider the Kroger REWARDS Prepaid Visa card.

Things to Consider

Even with an international means of payment, your credit card may not be accepted at all locations. Recently, a Credit.com staffer who traveled to Amsterdam tried to use his World Elite Mastercard at some retailers and found that local merchants didn’t always accept a Mastercard branded card.

Before embarking on your trip, it’s beneficial to check either with stores (if possible) or the credit card issuer itself to see if any conditions exist that might prevent your card from being accepted by foreign merchants. Alternatively, you consider taking a few different brands of international credit cards with your and/or have some cash in the local currency or traveler’s checks on hand—just in case.

Check Your Credit

Before applying for an international credit card, it’s important to check your credit score and see what you qualify for. A low score or no score at all could get in the way of your dreams of traveling with an international credit card in hand. Most international credit cards that offer cash-back or miles require a good or even excellent score.

Checking your credit is easy and free depending on the site you use. You can get your free Experian credit score here on Credit.com. Checking your credit score never puts a hard inquiry on your credit file ever.

Regardless of your score, there are international credit card options out there available if your credit is just fair or poor. One such card is the Capital One Quicksilver One Cash Rewards Credit Card. It also has no foreign transaction fees.

Final Thoughts

International travel with a credit card is convenient, but it can also be tricky. If you’re planning a trip abroad, it’s important to research which international credit cards will serve you best. Having a credit card that can be used anywhere in the world and doesn’t charge foreign transaction fees is a great tool to have in your pocket but the terms and conditions of each card vary depending on several factors including your credit history, your spending habits and the places you plan to visit.

First, find your free Experian credit score from Credit.com. Then, use your score to see which travel rewards credit card you qualify for and that have the features you want and need so you’re sure to have the right credit card traveling companion on your journeys.


At publishing time, the credit cards shown here are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone and have not been reviewed, approved or otherwise endorsed by the issuer(s).

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