Most Used Credit Cards in the USA for International Transactions

Introduction

Having the correct credit card can help you save money on international transaction fees while traveling or making purchases overseas. It can also provide benefits like purchase protection, travel rewards, and worldwide acceptance. This article discusses the most popular credit cards for overseas transactions, emphasizing their advantages, costs, and special features that make them appealing to regular tourists and foreign buyers.

While there are over 50 credit cards that waive international transaction fees, we’ve selected five standout options from each major issuer for your reference.

Here’s a look at some of the best choices:

Most Used Credit Cards in USA: Company-Wise

Chase Bank

Chase Bank, often known as JPMorgan Chase & Co., is one of the major financial organizations in the United States. It was formed in 1799 and is based in New York City. The bank generates more than $120 billion in yearly revenue and provides a wide variety of financial services, such as credit cards, checking and savings accounts, loans, mortgages, and investment banking. Chase is well-known for its huge branch network, internet banking services, and popular rewards credit cards designed for travel, business, and daily shopping.

1. Chase Ink Business Premier® Credit Card

The Chase Ink Business Premier® Credit Card offers high cashback rewards on various business and other purchases, such as cashback on Lyft rides.

Cashback Rewards

• Issuer – Chase
• Payment Gateway – Visa
• Credit Score – Good-Excellent
• Intro APR – N/A
• Regular APR – 21.24%–29.24%
• Annual Fee – $195
• International Transaction Fee – 0%
• Cash Advance Fee – 5% or $10 Cash Advance Fee
• Balance Transfers – 21.24%–29.24%
• Sign-up Bonus – 100,000 points after $10,000 in 3 months
• Best For – Small Business, High Spenders

The Chase Ink Business Premier® Credit Card is designed for businesses with high expenditures, offering unlimited 2% cash back on all purchases and 2.5% on purchases over $5,000. It is a great option for businesses making large transactions and wanting simple, high-value rewards.

The annual fee is $195, and the required credit score is good to excellent. This card offers high credit limits, free employee cards, purchase protection, and trip cancellation insurance. Chase does not currently offer a referral program for this card.

Pros & Cons:

2. Ink Business Preferred® Credit Card

The Chase Ink Business Preferred® Card can be a great option for small business owners, entrepreneurs, or frequent travelers who enjoy traveling and gaining rewards.

Business Rewards

• Issuer – Chase
• Payment Gateway – Visa
• Credit Score – Good – Excellent
• Intro APR – N/A
• Regular APR – 20.24%–25.24% 
• Annual Fee – $95
• International Transaction Fee – $0
• Cash Advance Fee – 5% or $10 
• Balance Transfer APR – 20.24%–25.24% 
• Sign In Bonus – 90,000 points after $8,000 spent in 3 months
• Best For – Small Business Owners, Frequent Travelers, Entrepreneurs

The Chase Ink Business Preferred® Card is specifically designed for business owners. Issued by Chase, this card provides substantial rewards on business-related expenditures and facilitates efficient expense management. It offers flexibility in the accumulation of rewards.

The card charges an annual fee of $95 and offers 3X points on travel and select business categories. The credit limit varies, and a good credit score is required. It also includes a referral program and travel insurance.

Pros & Cons:

3. Chase Sapphire Reserve

The Chase Sapphire Reserve® Card serves as a valuable asset for frequent travelers who seek to maximize their travel rewards. This credit card offers exciting rewards for travel and dining purchases. It provides an annual travel credit, which enhances the overall value of the card for its users.

Travel Rewards

• Issuer – Chase
• Payment Gateway – Visa
• Credit Score – Excellent
• Annual Fee – $550
• Intro APR – N/A
• Regular APR – 21.49% – 28.49% Variable
• Annual Fee – $550
• International Transaction Fee – 0%
• Cash Advance Fee – Charges 5% or $10 Cash Advance Fee
• Balance Transfer – 21.49% – 28.49% Variable
• Sign-up Bonus – 60,000 points after spending $4,000 in the first 3 months
• Best For – Frequent Travelers, High Spenders

The Chase Sapphire Reserve® Card is a premium card for frequent travelers that offers 3x points on travel and dining. It provides complimentary airport lounge access and top-tier travel protection. Applicants need excellent credit and a strong income.

A $300 travel credit justifies the $550 annual fee, Priority Pass membership, and high-end rewards. Users get premium travel insurance, no foreign transaction fees, and flexible point transfers.

Pros & Cons:

4. Chase Sapphire Preferred® Credit Card

The Chase Sapphire Preferred® Card may help students with a bad or no credit history to build credit by maintaining their balances. Students may also enjoy other benefits such as travel rewards, bonus points, dining points, and many more.

Business Rewards

• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score – Good-Excellent
• Intro APR – N/A
• Regular APR – 20.49%–27.49%  variable APR.
• Annual Fee – $95
• International Transaction Fee – $0
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – 20.49%–27.49%  variable APR.
• Sign In Bonus – Earn 60,000 bonus points
  after you spend $4,000 on purchases in the first 3 months from account opening
• Best For – Frequent Traveler, Foodies

The Chase Sapphire Preferred® Card is ideal for travel enthusiasts. Issued by Chase, it offers generous travel rewards and flexible redemption options. It helps maximize travel benefits and manage expenses efficiently.

The card has an annual fee of $95 and offers 2X points on travel and dining. The credit limit varies, and a good credit score is required. It also includes a referral program and travel insurance.

Pros & Cons:

5. Chase Prime Visa Card

The Chase Prime Visa Card is designed for Prime members who enjoy online shopping and seek to earn cash back on their purchases. This card provides substantial cashback rewards on all transactions, which makes it a flexible option for daily expenditures. New cardholders can also earn a gift card valued at approximately $100.

Cashback Rewards

• Issuer – Chase
• Payment Gateway – Visa
• Credit Score – N/A
• Intro APR – N/A
• Regular APR – 19.49%–-28.24 % variable 
• Annual Fee – $0
• International Transaction Fee– 0%
• Cash Advance Fee – N/A
• Balance Transfers – N/A
• Sign-up Bonus – $100 Amazon Gift Card
• Best For – Online Shoppers

Issued by Chase, the Prime Visa is designed for Amazon Prime members, offering 5% cashback on Amazon and Whole Foods purchases, 2% at gas stations, restaurants, and drugstores, and 1% on all other transactions. This card is best for frequent Amazon shoppers looking to maximize their savings.

The card has no annual fee but requires an active Amazon Prime membership ($139/year). Credit limits vary based on creditworthiness. A good credit score (670+) is recommended. Additional perks include travel insurance, extended warranty protection, and exclusive Prime Day discounts.

Pros & Cons:

American Express

American Express (Amex) is a popular financial services company based in New York City and founded in 1850. American Express is well-known for its premium credit and charge cards, but it also offers loyalty programs, travel incentives, and concierge services to consumers and corporations. The company’s annual sales exceeds $55 billion, and it provides services such as personal and commercial credit cards, payment processing, and financial management solutions. Amex is well-known for its premium cards, exceptional customer service, and unique travel and leisure features.

1. American Express Platinum Card

The American Express Platinum Card® is a premium card with several features and a generous welcome bonus. Cardholders can receive many yearly statement credits, entertainment incentives, broad airport lounge access, elite status bonuses, and much more. However, these advantages do not come cheaply—the card’s annual charge is $695.

Travel Rewards, Luxury Benefits

• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score – Excellent
• Intro APR – N/A
• Regular APR – 21.24%–29.24%
• Annual Fee – $695
• International Transaction Fee – 0%
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – 18.24% to 29.24%
• Sign In Bonus – 80,000 Membership Rewards points after $8,000 spent in 6 months
• Best For – Professionals, Frequent Travelers

The Platinum Card® from Amex, issued by American Express, offers unparalleled travel benefits, including airport lounge access and hotel upgrades. Its best feature is the pre-set spending limit, providing flexibility and exclusive experiences.

The card has an annual fee of $695 plus applicable taxes. Unique features include access to the American Express Global Lounge Collection and a renewal benefit. The required credit score is 750+. The referral program offers additional Membership Rewards points.

Pros & Cons:

2. American Express Gold Card

The American Express® Gold Card is known as one of the greatest travel rewards cards due to its extensive dining and travel benefits, which appeal to high spenders who can afford the $325 annual fee. It provides large recurring benefits for flight, restaurant, and U.S. supermarket purchases, as well as enough credits to cover its somewhat hefty annual fee.

Dining Rewards

• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score – Good/Excellent
• Intro APR – N/A
• Regular APR – 21.24%–29.24%
• Annual Fee – $325
• International Transaction Fee – $0
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – 21.24%–29.24%
• Sign In Bonus – 60,000 Membership Rewards points after $4,000 spent in 6 months
• Best For – Frequent Travelers, Food Enthusiasts

The American Express® Gold Card, issued by American Express, provides generous rewards on everyday purchases, including dining and travel. Its best feature is the Membership Rewards program, offering valuable points for various expenses.

The card has an annual fee of $325 plus applicable taxes. Unique features include no pre-set spending limit and access to the Gold Collection rewards. The required credit score is 700+. The referral program offers bonus Membership Rewards points.

Pros & Cons:

3. American Express Green Card

The American Express® Green Card offers generous and flexible rewards on dining and travel at a lower cost than other American Express cards. The yearly charge is $150. It also provides some unique travel credits, as well as additional benefits and safeguards for both shopping and individuals on the road.

Travel Rewards, Eco-Friendly

• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score – Good-Excellent
• Intro APR – N/A
• Regular APR – 21.24%–29.24%
• Annual Fee – $150
• International Transaction Fee – 0%
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – 20.24% to 28.24% variable
• Sign In Bonus – 40,000 Membership Rewards points after $3,000 spent in 6 months
• Best For – Travelers, Environmentally Conscious

The American Express® Green Card, issued by American Express, offers rewards on everyday purchases and travel. Its best feature is the Membership Rewards program, providing valuable points for various expenses.

The card has an annual fee of $150. Unique features include access to the Green Collection rewards and a required credit score of 700+. The referral program offers bonus Membership Rewards points.

Pros & Cons:

4. American Express Business Platinum Card®

The American Express Business Platinum Card® is a premium card with several features and a generous welcome bonus. This card can be a good option for travelers as it offers many reward benefits, broad airport lounge access, elite status bonuses, and much more.

Travel Card

• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score – Excellent
• Intro APR – N/A
• Regular APR – 19.24% – 27.24%
• Annual Fee – $695
• International Transaction Fee – 0%
• Cash Advance Fee – 5% or $10 Cash Advance Fee
• Balance Transfer  – N/A
• Sign-up Bonus – 80,000 points after spending $8,000 in the first 6 months 
• Best For – Business Owners, Frequent Travelers

American Express Business Platinum Card® is ideal for high-spending business owners, this card offers enhanced travel rewards and expense management tools. Qualification requires an excellent credit score and business financials.

The $695 annual fee covers benefits such as 5x points on travel, $200 airline fee credits, and employee card options. No preset spending limit and a strong referral program enhance its value.

Pros & Cons:

5. Delta SkyMiles® Platinum American Express Card

This card is best used by Delta business travelers who aim to earn the most SkyMiles and want to experience first-class travel amenities. It offers priority boarding, a checked bag free, and an annual companion certificate, making it perfect for travelers who frequently use domestic flights to offset travel expenses.

Travel Rewards

• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score – Good – Excellent
• Intro APR – N/A
• Regular APR – 20.99% – 29.99%
• Annual Fee – $250
• International Transaction Fee – No Foreign Transaction Fees
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – 20.99% – 29.99%
• Sign-up Bonus – 60,000 miles after spending $3,000 in 3 months
• Best For – Business Owners, Frequent Travelers

A business-friendly travel card, the Delta SkyMiles® Platinum Business Amex helps entrepreneurs earn 3x miles on Delta purchases and eligible hotels, plus 1.5x miles on large business purchases. It also offers an annual companion certificate, making it great for frequent business travelers.

For a $250 annual fee, it requires a good to excellent credit score (700+). Benefits include priority boarding, a free first-checked bag, and a referral program for earning bonus miles.

Pros & Cons:

Capital One

Capital One Is one of the major financial companies and it was founded in 1994 and its headquarters are located in McLean, Virginia. It is well-known for its innovative credit card programs, internet banking services, and vehicle loans. Capital One, with an annual revenue of more than $40 billion, offers a variety of financial products, such as consumer and commercial credit cards, checking and savings accounts, and loan solutions. The bank is well-known for its no-annual-fee and travel rewards credit cards, as well as its focus on digital banking and customer-friendly practices.

1. Capital One Savor Cash Rewards Credit Card

Capital One Savor Rewards Credit Card is a credit card that offers great cashback on grocery stores, dining, entertainment, and popular streaming services. The card has the ability to offer generous, no pre-set credit limits and soft pull increases over time.

Foodie-Focused Rewards

• Issuer – Capital One
• Payment Gateway – MasteCard
• Credit Score – Excellent 
• Intro APR – 0% for 15 months 
• Regular APR – 19.24% – 29.24% variable APR 
• Annual Fee – $0
• International Transaction Fee – None
• Cash Advance Fee – Either $5 or 5% of the amount of each cash advance, whichever is greater.
• Balance Transfer APR – N/A
• Sign-up Bonus – Earn $200 as a one-time bonus once you spend $500 within 3 months of account opening. 
• Best For – Frequent restaurant diner, Grocery shopper, Amusement fans

Capital One Savor Rewards Credit Card is designed for foodies and entertainment lovers, offering unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores). Issued by Capital One, it also features 5% cash back on hotels and rental cars booked through Capital One Travel.

With no annual fee, the Savor card provides premium cashback rewards without extra costs. A credit score of 700+ is generally required. The card features an introductory 0% APR for 15 months, no foreign transaction fees, and a referral program that rewards users with cash bonuses for inviting friends. Other benefits include travel accident insurance and fraud protection.

Pros & Cons:

2. Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card might be a great choice if you travel sometimes and want a low-maintenance, inexpensive travel rewards card. Additionally, the good sign-up bonus and the introductory annual percentage rate (APR) provided on purchases and debt transfers make the first-year value comparable to a number of the best travel cards for newcomers.

Redeem Miles for Travel

• Issuer – Capital One
• Payment Gateway – MasterCard
• Credit Score – Good/Excellent
• Intro APR – 0% intro APR on purchases for the first 15 months 
• Regular APR – 19.24% – 29.24% (Variable)
• Annual Fee – $0
• International Transaction Fee – 0%
• Cash Advance Fee – $5 or 5%
• Balance Transfer APR – 19.24% – 29.24%
• Sign In Bonus – 20,000 bonus miles if you spend $500 within the first three months
• Best For – Occasional Travelers, Heavy Travelers

The Capital One VentureOne Rewards Credit Card earns 1.25 miles per dollar for all transactions. Capital One offers an easy and flexible solution for travelers.

The card makes it simple to earn and redeem travel rewards because there are no annual fees or international transaction fees. A strong credit score is essential, which includes travel benefits such as rental vehicle insurance and fraud protection.

Pros & Cons:

3. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is a straightforward cash-back credit card that provides 1.5% cash back on all purchases, every day.

Cash Back, No Annual Fee

• Issuer – Capital One
• Payment Gateway – MasterCard
• Credit Score – Good-Excellent
• Intro APR – 0% for 15 months
• Regular APR – 19.24%-29.24% Variable
• Annual Fee – $0
• International Transaction Fee – 0%
• Cash Advance Fee – 5% or $10, whichever is greater
• Balance Transfer APR – 19.24%-29.24% Variable
• Sign In Bonus – $200 after spending $500 in the first 3 months
• Best For – Everyday Users, Professionals

The Capital One Quicksilver Cash Rewards Credit Card is a straightforward cashback card offering unlimited 1.5% cash back on every purchase. Issued by Capital One, it’s an excellent choice for those who prefer simple rewards without tracking spending categories. The lack of rotating categories and cashback limits makes it a hassle-free option for everyday spending.

This card has no annual fee and is available to those with good to excellent credit (700+). It offers a generous welcome bonus and an introductory 0% APR on purchases and balance transfers for 15 months. Additional perks include no foreign transaction fees, a referral program, and extended warranty protection on eligible purchases.

Pros & Cons:

4. Capital One Venture Rewards Credit Card

The Capital One Venture earns an unlimited 2X miles on every expense, which makes it an excellent choice if you’re an infrequent traveler who can’t fully benefit from a high rewards rate on travel purchases.

Travel Rewards

• Issuer – Capital One
• Payment Gateway – MasterCard
• Credit Score – Excellent
• Intro APR – N/A
• Regular APR – 20.99% -28.99 % Variable
• Annual Fee – $95
• International Transaction Fee – 0%
• Cash Advance Fee – Either $10 or 3% of the amount of each cash advance, whichever is greater
• Balance Transfer APR – N/A
• Sign In Bonus – Earn 75,000 bonus miles once you spend $4,000 within the first 3 months from account opening.
• Best For – Travelers

The Capital One Venture Rewards Credit Card is a premium travel rewards card offering unlimited 2x miles on every purchase. Issued by Capital One, it allows flexible redemption options, including flights, hotels, and statement credits for travel purchases. The card also comes with Global Entry or TSA PreCheck® credit, making it ideal for frequent travelers who want a straightforward way to earn and redeem miles.

The card has a $95 annual fee but provides significant value through travel perks. A good-to-excellent credit score (700+) is required for approval. There’s no preset spending limit, making it a flexible option for large purchases. The referral program allows users to earn bonus miles for referring friends. Additional benefits include travel accident insurance, rental car collision coverage, and access to Capital One Travel for price monitoring and booking assistance.

Pros & Cons:

5. Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card offers a range of enticing travel rewards, which makes it an excellent choice for frequent travelers, budget-conscious adventurers, and high spenders alike. With features such as a $300 annual travel credit for Capital One bookings and the ability to earn multiple miles on hotel stays, car rentals, and other travel expenses, this card truly enhances your travel experience.

Travel Rewards, Lounge Access

• Issuer – Capital One
• Payment Gateway – Visa
• Credit Score – Good-Excellent
• Intro APR – N/A
• Regular APR – 19.24%-26.24% Variable
• Annual Fee – $395
• International Transaction Fee – 0%
• Cash Advance Fee – Either $10 or 3% of the amount of each cash advance, whichever is greater
• Balance Transfer APR – 19.24%-26.24% Variable
• Sign In Bonus – 75,000 miles after spending $4,000 in the first 3 months
• Best For – Frequent Travelers, Budget Travelers, High Spenders

The Capital One Venture X Rewards Credit Card is one of the most exquisite overall travel credit cards. It has a great introductory bonus, and cardholders may earn lots of miles on ordinary purchases, as well as a 10,000-mile anniversary reward. 

It has a $395 annual fee, but cardholders receive a $300 yearly credit against travel booked through Capital One Travel each year, as well as additional key features such as access to Priority Pass lounges and Capital One’s own developing network of airport lounges.

Pros & Cons:

Discover

Discover Financial Services was formed in 1985 and is located in Riverwoods, Illinois. Discover is best known for its cash back and rewards credit cards, but it also provides banking services, personal loans, and student loans. The corporation has an annual turnover of more than $15 billion and is known for its no-annual-fee credit cards, 100% U.S.-based customer support, and robust fraud prevention. Unlike Visa and MasterCard, Discover has its own payment network, which allows them to create regulations for businesses and cardholders.

1. Discover it® Cash Back Credit Card

The Discover it® Cash Back offers one of the best quarterly returns rates for a variety of daily spending. To optimize your rewards, you must activate your categories and track your spending to align with Discover’s quarterly bonus categories. This extra effort may make Discover’s Cashback Match® the best first-year offer available for a personal cash-back card.

Cash Back, Rotating Categories

• Issuer – Discover
• Payment Gateway – Discover
• Credit Score – Good/Excellent
• Intro APR – 0% intro APR for 15 months on purchases and balance transfers
• Regular APR – Variable APR of 18.24% – 27.24%.
• Annual Fee – $0
• International Transaction Fee – 0%
• Cash Advance Fee – $10 or 5 percent of each cash advance, whichever is greater
• Balance Transfer APR – 18.24% – 27.24%
• Sign In Bonus – All cash back earned at the end of the first year is matched.
• Best For – Everyday Spenders

The Discover it® Cash Back card, issued by Discover, offers 5% cash back on rotating quarterly categories and 1% on all other purchases. It’s perfect for those who want to maximize rewards in everyday spending categories.

There is no annual fee, and Discover matches all cash back earned at the end of the first year. The credit limit varies, and a fair to good credit score is required. It also includes a referral program, no foreign transaction fees, and free FICO® credit score access.

Pros & Cons:

2. Discover it® Chrome

The Discover it® Chrome allows users to earn cash back on two of the most common everyday expenses: petrol stations and restaurants. Its introductory APR incentives, as well as low rates and fees across the board, which makes it an easy-to-use cash back choice if you’re just getting started with rewards.

Business Rewards

• Issuer – Discover
• Payment Gateway – Discover
• Credit Score – Good-Excellent
• Intro APR – N/A
• Regular APR – 18.24% – 27.24% Variable APR
• Annual Fee – $0
• International Transaction Fee – 0%
• Cash Advance Fee – $10 or 5% of the amount of each cash advance, whichever is greater.
• Balance Transfer APR – 18.24% – 27.24% Variable APR
• Sign In Bonus – Discover matches all cash back you earn at the end of your first year
• Best For – People who frequently spend on gas and dining

The Discover it® Chrome is issued by Discover and is known for its cashback rewards on gas and dining. It’s a great choice for everyday spenders who frequently eat out or commute. With 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases per quarter), this card helps maximize rewards. Plus, Discover offers a first-year Cashback Match, doubling all cash back earned.

This card has no annual fee, making it budget-friendly. It requires a good to excellent credit score (670+), and while Discover doesn’t specify a preset credit limit, it varies based on the applicant’s creditworthiness. It also includes a 0% intro APR for 6 months on purchases and a 10.99% intro APR for 6 months on balance transfers, along with a referral program where users earn bonuses for inviting friends.

Pros & Cons:

3. Discover it® Secured Credit Card

Capital One Spark Cash Plus is a premium business credit card for high-spending enterprises. It provides a limitless 2% cash back on all purchases and has no predetermined spending restriction, making it suitable for enterprises with high costs. This charge card requires the balance to be paid in full each month, but it comes with essential benefits such as free employee cards, no international transaction fees, and cash-back incentives that never expire.

Build Credit, Cashback

• Issuer – Discover
• Payment Gateway – Discover
• Credit Score – N/A
• Intro APR – 10.99% on balance transfers for 6 months
• Regular APR – 28.24% Variable
• Annual Fee – $0
• International Transaction Fee – 0%
• Cash Advance Fee – $10 or 5% of the amount of each cash advance, whichever is greater
• Balance Transfer APR – 28.24% Variable
• Sign In Bonus – Discover will match all the cash back earned at the end of the first year.
• Best For – New Credit Users, Rebuilding Credit

The Discover it® Secured Credit Card, issued by Discover, is a great option for individuals looking to build or rebuild their credit. It offers 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases per quarter) and 1% on all other purchases. With responsible use, cardholders can graduate to an unsecured card, making it a stepping stone to better credit opportunities.

This card has no annual fee, making it a cost-effective choice for those improving their credit. It requires a refundable security deposit of at least $200, which determines the initial credit limit. A credit score of 300-670 is generally required. Discover automatically reviews accounts for an upgrade after seven months. Additionally, it includes a referral program where users can earn cash bonuses for inviting friends.

Pros & Cons:

4. Discover it® Chrome Gas & Restaurant Credit Card

The Discover it Chrome Gas & Restaurant Credit Card is a no-fee rewards card aimed at regular gas and eating spenders. It provides 2% cash back on petrol and restaurant expenditures (up to $1,000 each quarter) and 1% on all other purchases, with a first-year Cash-Back Match that doubles benefits. It also includes a 14-month 0% introductory APR, security perks, and no international transaction fees.

Cashback

• Issuer – Discover 
• Payment Gateway – Discover
• Credit Score – Fair or better
• Intro APR – 0% Intro APR for 15 months on purchases and balance transfers
• Regular APR – 18.24% to 27.24%
• Annual Fee – $0
• International Transaction Fee – 0%
• Cash Advance Fee – 5% of the amount or $10 minimum, whichever is greater.
• Balance Transfer APR – 18.24% to 27.24%
• Sign In Bonus – $1,200 after spending $30,000 in the first 3 months
• Best For – Everyday Shoppers, People building or maintaining credit, Frequent drivers & diners

This Discover card is tailored for frequent diners and drivers, offering 2% cashback at gas stations and restaurants (on up to $1,000 in combined purchases per quarter) and 1% on everything else. Plus, it features Discover’s Cashback Match, which doubles all rewards earned in the first year.

There’s no annual fee, and the required credit score is good to excellent (670+). It includes 0% intro APR for purchases, free FICO score tracking, and no foreign transaction fees, making it a solid everyday card.

Pros & Cons:

5. Discover it® Student Chrome Credit Card

The Discover it® Student Chrome offers a rich rewards system, making it an appealing option among the best credit cards for students. The card offers a variety of appealing features, including long-term value, and a generous welcome incentive, all packaged specifically for college students’ requirements. There’s a lot to enjoy about the Discover it® Student Chrome, including the card’s low fees and popular student spending categories like petrol and food.

Cash Back, Student Benefits

• Issuer – Discover
• Payment Gateway – Discover
• Credit Score – Limited to No Credit History
• Intro APR – 0% Intro APR for 6 months on purchases
• Regular APR – 12.99% to 21.99% Variable APR
• Annual Fee – $0
• International Transaction Fee – 0%
• Cash Advance Fee – $10 or 5 percent of the amount, whichever is greater.
• Balance Transfer APR – 12.99% to 21.99% Variable APR
• Sign In Bonus – Discover will automatically match all the cash back you’ve earned at the end of your first year.
• Best For – Students

The Discover it® Student Chrome card is an ideal choice for students looking to earn rewards while establishing credit. Issued by Discover, its standout feature is 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases per quarter) and 1% on all other purchases. It also comes with Discover’s Cashback Match™ in the first year, doubling all cash back earned.

This card has no annual fee, making it cost-effective for students. It requires a fair credit score or no credit history, making it accessible to beginners. The card provides a Good Grade Reward incentive for students maintaining a 3.0 GPA or higher. Additionally, there are no foreign transaction fees, making it a great option for students traveling abroad.

Pros & Cons:

Comparison Table

Methodology

The research approach to determining the most used credit cards for international travel in the U.S. will be both qualitative and quantitative. First, a survey will be conducted of a sample of 300 frequent international travelers who use credit cards. The survey will be about card usage, preference, and experiences with some features such as foreign transaction fees, rewards, and travel-related benefits such as lounge access or insurance coverage. Secondary data from user reviews, financial statements, and official bank reports will also be analyzed to understand how these cards are perceived by a larger population. 

Key considerations, such as ease of use overseas, international travel-specific benefits, and customer satisfaction, will be considered. For example, the Chase Sapphire Reserve® and American Express® Platinum Card are renowned for their lucrative travel rewards and upscale benefits, which might be particularly valuable for high-spending travelers. The analysis will compare cards such as these to find out which is most used by international travelers, based on both qualitative feedback and quantitative transaction data. The study will attempt to give a clear picture of which cards are best for international travel.

Choosing the Best Chase Credit Cards in the USA for International Transactions

Why Should One Opt for a Credit Card While Going Abroad?

These credit cards are preferable for international transactions because they do not charge foreign currency fees, provide rewards for spending internationally, are widely accepted throughout the world, and offer good travel benefits. As such, they enable travelers to save on their overseas trips while enjoying high-end benefits.

Are there any American Credit Cards for International Transactions?

Yes. Many credit cards in America, including Chase Sapphire Reserve® and American Express® Platinum Card®, are accepted internationally and come with such benefits as no foreign transaction fees, worldwide acceptance, and travel award scheme, among others.

How Do these Credit Cards Help you with International Transactions?

By charging no extra fees for foreign transactions, offering rewards on international purchases, emergency help, and travel insurance, the American Express travel credit cards reduce costs and improve the overall travel experience.

Advantages of Using Credit Cards in the USA for International Transactions

Using credit cards to make international transactions in the USA has several advantages, making international travel or international shopping convenient and secure.

Some of the most significant advantages are:

• Currency Conversion: Credit cards have good currency conversion rates. This is usually better than exchanging money at the airport or in currency exchange centers, which impose high fees.
• Security and Fraud Protection: Credit cards have good protection against fraud, so if your card is stolen or lost, you can report it and in most cases will not be liable for unauthorized charges. Many cards also provide zero fraud liability.
• Convenience: Credit cards are accepted everywhere in the world, especially in big cities and online retailers. You don’t have to carry much cash or know where to exchange money.
• Travel Rewards and Benefits: Most credit cards provide travel rewards, such as points or miles, for international transactions. Some cards also provide travel benefits such as car rental insurance, travel insurance, or access to airport lounges.
• Building Credit: Using a credit card to make international transactions and paying your balance on time can help you build or have a good credit score. This can be very helpful if you intend to make large financial transactions in the future.

Frequently Asked Questions

Do U.S. credit cards charge foreign transaction fees?

Many top cards like the Chase Sapphire Reserve® and American Express® Platinum Card® offer no foreign transaction fees.

Can I earn rewards on international purchases?

Yes, cards like the Capital One Venture X Rewards Credit Card offer rewards on all purchases, including international transactions.

Are U.S. credit cards widely accepted internationally?

Yes, most U.S. credit cards from networks like Visa, MasterCard, and American Express are accepted globally.

Do these cards offer travel insurance for international trips?

Yes, premium cards like the American Express® Platinum Card® offer travel insurance benefits, including trip cancellation and travel accident coverage.

Are there any additional fees for using U.S. cards abroad?

No, cards like the Chase Sapphire Reserve® and American Express® Platinum Card® typically do not charge foreign transaction fees.