How can I pay abroad without fees?

Best No Foreign Transaction Fee Credit Cards
  1. Discover it® Cash Back: Best for rotating category rewards.
  2. Capital One VentureOne Rewards Credit Card: Best for occasional travelers.
  3. Bank of America® Travel Rewards credit card: Best for intro APR.
  4. Chase Sapphire Preferred® Card: Best travel card for beginners.




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NerdWallet's Best No Foreign Transaction Fee Credit Cards of November 2023
  • Capital One SavorOne Cash Rewards Credit Card: Best for Bonus category cash back.
  • Wells Fargo Autograph? Card: Best for Bonus rewards + no annual fee.
  • Chase Sapphire Preferred® Card: Best for Bonus travel rewards.


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If you're moving to Portugal or planning to spend a lot of time here, you could also consider opening a Portuguese bank account. These accounts allow you to hold currency in euros or withdraw from ATMs with minimal ATM fees.

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ActivoBank Portugal With a network of branches across Portugal, ActivoBank is known for its straightforward consumer banking services. It charges no account maintenance fees or annual card fees,³ and has an innovative mobile banking app.

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Similar to the rest of western Europe, Portugal does not have a strong “tipping culture,” and there are really no standards or rules regarding tipping. Throughout the country itself, the tipping practice may vary, depending on the region where you are traveling.

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Banks with no international ATM fees
  • Aspiration.
  • Betterment.
  • Charles Schwab.
  • Capital One.
  • Alliant Credit Union.
  • First Republic Bank.
  • Fidelity.
  • USAA.


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Q: Can I use my credit or debit card internationally? Yes, anywhere Visa is accepted. Visa fees will apply, and it will show on your statement as an international 1% transaction service fee.

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