Is it best to use a travel card abroad?

To avoid credit card fees when traveling internationally, use a card with no foreign transaction fees — you'll save at least 3% in fees by taking this step. All of our best cards for international travel listed above don't charge a foreign transaction fee.



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Credit cards simplify spending while traveling, as cash can be clunky, conversion rates tricky, and cash is prone to loss or theft. If a credit card is stolen, it can be suspended and replaced in short order. Make sure you understand your card's international fees and restrictions.

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Using credit cards for purchases and using ATMs to get local currency are the best options when abroad. Avoiding cash as much as possible won't saddle you with extra unspent currency when you leave a country.

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European travelers should always have some cash on hand; getting it from an ATM abroad is usually the easiest, most advantageous way. If you need cash from an ATM, it's usually better to use a debit card, because credit cards often charge a high interest rate for a cash advance.

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While credit cards are accepted in most situations, currency can be more convenient for public transportation and small vendors. It's also wise to carry an emergency fund with enough cash for a few days, just in case your card gets lost or stolen.

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