U R @: Education Center : Understanding the Fine Print : Credit Cards with No Foreign Transaction Fees

CREDIT CARDS WITH NO FOREIGN TRANSACTION FEES

With the exception of Capital One, all major credit card companies charge international transaction fees that range from 2-5%.  Recently, a number of credit card companies, including American Express and Bank of America, raised international transaction fees.  Additionally, many company are now charging foreign transaction fees for purchases made in U.S. dollars, such as international hotel reservations.

If you already have a Capital One card, you're in the clear.  If you don't, you can compare Capital One credit cards that charge no foreign transaction fees and apply online. 

Credit Cards with No Foreign Transaction Fees

CAPITAL ONE® VENTUREONE(SM) REWARDS CREDIT CARD

1.25 miles per dollar on every purchase, every day Redeem miles for airline tickets, hotel rooms, car rentals and more No limit on the miles you can earn and miles won't expire Fly free on any airline, any time with no blackout dates Use rewards for travel, merchandise, gift cards and more 0% intro APR on purchases until February 2011 No foreign transaction fees No annual fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 0% on purchases * Until 2/2011 * 13.9%(V) * $0 * Excellent

CAPITAL ONE® VENTURE(SM) REWARDS CREDIT CARD

2 miles per dollar on every purchase, every day 10,000 bonus miles when you spend $1,000 in your first 3 months No limit on the miles you can earn and miles won't expire Fly free on any airline, any time with no blackout dates No foreign transaction fees Exclusive award-winning customer service Visa Signature® benefits like complimentary concierge and travel upgrades First year's annual fee is on us

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed n/a * n/a * 13.9%(V) * $59 * Excellent

CAPITAL ONE® NO HASSLE MILES SM REWARDS - GOOD CREDIT

1.25 miles for every dollar spent on purchases No limit on the miles you can earn and miles don't expire Redeem for Travel, Merchandise, Gift Cards and more No blackout dates and no seat restrictions Fly FREE on any airline to any destination 0% APR on purchases until February 2011 No foreign transaction fees No annual fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 0% on purchases * Until 2/2011 * 16.9%(V) * None * Good

CAPITAL ONE® ORBITZ® VISA® PLATINUM - EXCELLENT CREDIT

3 points per dollar spent on eligible Orbitz.com bookings Get 1 point per dollar on all other purchases Bonus points on eligible Orbitz.com bookings No limit on the points you can earn and points don't expire Redeem points for Travel, Merchandise, Gift Cards and more Earn travel quickly with low redemption minimums 250 point refueling bonus when you redeem points for awards No annual fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 0% on Purchases * Until 2/2011 * 13.9%(V) * None * Excellent

CAPITAL ONE® NO HASSLE CASH(SM) REWARDS - EXCELLENT CREDIT

2% cash back on gas and groceries 1% cash back on all other purchases No limit on the cash you can earn and cash won't expire Redeem cash rewards for statement credit, check or gift card Get your cash back whenever you want, even set up automatic redemption 0% APR on purchases until February 2011 No foreign transaction fees No annual fee $0 Fraud Liability if your card is lost or stolen

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 0% on purchases * Until 2/2011 * 14.9%(V) * $0 * Excellent

MTV® VISA® CARD FROM CAPITAL ONE® - GOOD CREDIT

Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops 1 point per $1 spent on everything else 25 bonus points each billing period you keep your account in good standing by paying on time Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings Also, redeem for Travel, Merchandise, Gift Cards and more No limit on the points you can earn and points don't expire 0% intro APR--pay no interest on purchases until February 2011 No annual fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 0% on purchases * Until 2/2011 * 16.9%(V) * $0 * Good

Benefits of Using a Credit Card Abroad

If you've ever contested a fraudulent charge with the bank that issues your debit card, you're well aware of how complicated the process is.  Not only do banks take longer to investigate claims than credit card companies, the money missing from your account is not available to you until the investigation is complete.  This can be a real headache, especially if fraudulent charges have emptied your checking account.

Using a credit card abroad provides a buffer against this nightmare scenario.  In the event your card is stolen and abused, you will still have access to your money in the bank.  Additionally, your credit card company may also allow you access to the portion of your credit line tied up by a fraud investigation.

When travelling abroad, the safest bet is to use a credit card for all your purchases. 

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