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Studying abroad? That makes it a little easier to get approved — even for students with limited credit histories. You also must be currently enrolled at a U. Click the card name to read our review. Our pick for: Flat-rate travel rewards. The Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising.

You earn 2 miles per dollar on all purchases, and miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus and other worthwhile perks. Read our review. Our pick for: Bonus travel rewards. The sign-up bonus is stellar, too. Our pick for: No-annual-fee travel rewards. Our pick for: Business travel.

Our pick for: Cash back. The original 1. Our pick for: Average credit. This card for people with fair or "average" credit pays the same cash-back rate as the regular Quicksilver card, which targets people with excellent credit.

The key difference is that this version charges an annual fee while the regular one does not. Our pick for: College students. The standard foreign transaction fee for American Express is 2. The standard foreign transaction fee for U. For transactions made in U. Learn about dynamic currency conversion below. Whether you're in the U. The four major U. In the U. If a merchant accepts credit cards, it almost always accepts Visa and Mastercard, although there are a few exceptions, such as Visa-only Costco.

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Discover is a close third, just a hair behind the leaders. American Express is widely accepted, just not as widely as the other three. Smaller merchants, in particular, are less likely to take AmEx. Even so, when traveling in the U. Outside the U. And while American Express has a strong presence overseas — it has more cardholders outside the U.

Discover is a smaller player outside the U. If you're planning to travel internationally and your primary card is American Express or Discover, it's best to bring along a Visa or Mastercard as a backup. When you buy something with a credit card in a foreign country, your receipt will show the cost in the local currency.

When you get your statement, however, you'll see that the charge has been converted to dollars. Your payment network takes care of the conversion, and you can usually be confident that you're getting a fair exchange rate. A NerdWallet study found that Visa and Mastercard tended to convert currency at near-market rates, which is about the best you can get. Sometimes when you're shopping overseas, merchants will ask if you want your purchases to be denominated in dollars rather than the local currency.

This is known as "dynamic currency conversion. But dynamic conversion is usually a bad deal. That's because the exchange rates are considerably worse than what you'd get if you made your purchase in the local currency and then let your credit card network handle the conversion. One other thing about dynamic conversion: It won't get you out of paying foreign transaction fees.

If your card charges a fee on overseas purchases, it doesn't matter if those purchases are in dollars, yen, euros, rubles or whatever. You'll still pay the fee. Most credit cards issued in the U. When you make a purchase at a store, the chip embedded in the card passes information to the merchant's computer system. Further, the chip protects that information with a one-time code so that if the data is stolen, it can't be used to make a counterfeit card.

It's all very high-tech. But then you complete the transaction by verifying your identity in a decidedly low-tech way: You sign your name — and you might not even do that. Cards issued in other countries have "chip-and-PIN" technology. You use the card the same way, but instead of signing your name to complete the transaction, you have to enter a four-digit code, or PIN.

This adds a layer of security by making it harder for someone to use a stolen card. When traveling abroad, you'll usually be able to use a U. Among the places where you can't use one is at self-service kiosks and vending machines. These typically require chip-and-PIN. Among major issuers in the U. Some credit unions oriented toward military servicemembers who may be deployed overseas also offer chip-and-PIN functionality. If you don't have a chip-and-PIN card, it's not a crisis situation.

You'll just have to plan ahead and keep in mind that if you need to buy something like train tickets, you'll have to go up to the window and buy from a live person rather than from a ticket machine. If in doubt, ask your issuer.

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Travelers checks have been mostly replaced in travelers' wallets by credit and debit cards, which also solve many of the security problems that travelers checks were created to address. So while you can still get travelers checks, most travelers would find them more trouble than they're worth. Back before credit cards were as widely used and accepted as they are today, people who didn't want to risk carrying a lot of cash on a trip would rely on travelers checks.

At their destination, they'd use the checks at stores or restaurants that accepted them, or exchange them for cash at a hotel or bank. When they redeemed the check, they'd sign it again, and the recipient would compare the signatures to verify the check. If they were lost or stolen, the issuer would replace them, so you didn't lose money.

Nowadays, credit card issuers can cancel a lost or stolen card and expedite a replacement just as quickly. You could exchange them for cash far from home. The wide acceptance of credit cards makes cash less critical to carry, and credit cards can provide cash in a pinch. And, of course, debit cards can get you cash, too.

You could use them in places that didn't accept out-of-town personal checks. Today, credit cards are accepted at millions more locations than travelers checks ever were. Travelers checks still have their uses.



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But when you combine the dwindling number of places that accept travelers checks with the fees you have to pay to get them, most leisure travelers will be better off with the cards they already carry. NerdWallet's Credit Cards team selects the best credit cards with no foreign transaction fee based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of consumers. Factors in our evaluation include annual fees, rewards rates and redemption options, introductory and ongoing interest rates, bonus offers for new cardholders, international acceptance of the card's payment network, and other noteworthy features such as travel perks.

Most credit cards issued by U. Foreign transaction fees are charged on purchases you make while traveling in other countries, but they can also be applied when you buy something from a foreign merchant. If you're at home in the U. Some issuers, including Capital One, Discover and USAA, do not charge foreign transaction fees on any of their cards, and many issuers do not charge them on specific cards.

Credit cards marketed to frequent travelers usually do not charge foreign transaction fees, even if the issuer has them on other cards. American Express has long charged 2.



When a foreign transaction fee applies to a purchase, you won't see it until you receive your credit card statement. That's because the fee is charged by the credit card company, not by the merchant. When you buy something in a foreign country, the merchant may give you the option of having the purchase converted to U. See the question about dynamic currency conversion below.

Best No Foreign Transaction Fee Credit Cards of April - NerdWallet

But for the purpose of the foreign transaction fee, it usually doesn't matter whether a purchase is submitted to your credit card company in U. The fee applies based on where the transaction takes place, not how it is denominated. The one exception among major issuers is U. Credit Card. Personal Loan. Home Loan. Car Loan.