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Can you use a Discover card for international travel?

Yes, you can – and may even be surprised by the perks of doing so

Published: February 14, 2022

Author: Erica Lamberg

Editor: Grace Pilling

Reviewer: Barri Segal

How we Choose

Discover card holders can use their card at more than 44 million merchants in more than 190 countries and territories, and Discover’s international acceptance continues to grow.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards , or use our CardMatch™ tool to find cards matched to your needs.

Discover issues some of the most popular cash back credit cards in the U.S., but the issuer might not be at the top of your mind when you think of international travel. You may be surprised to learn that, though the Discover network doesn’t have the vast international reach of Mastercard or Visa, your Discover card can be a good travel companion.

Discover card holders can use their cards at more than 44 million merchants in more than 190 countries and territories, and Discover’s international acceptance continues to grow. Furthermore, Discover has good perks for travelers, including generous cash back rewards, introductory APR offers, no annual fees and – especially useful for traveling outside the U.S. – no foreign transaction fees .

Read on to learn more about where Discover cards are accepted internationally, plus some tips for using a Discover card for international travel.

The best Discover card for international travel

Where is discover card accepted.

Before you embark on your trip, you should check Discover’s online map to see if your card will be accepted where you are traveling. Discover card acceptance varies widely between countries – even those within the same continent.

Discover card in North America

Discover has the widest acceptance within its home base, the United States. However, you may have trouble using your Discover card in Canada, since acceptance is more limited there.

Discover card in Central America

In Central America, Discover card acceptance is high in Belize, but more limited in most countries.

Discover card in South America

On the other hand, you’ll have an easier time using your Discover card for travel in South America. The acceptance rate is high in many countries there, including popular destinations, Argentina, Brazil, Chile and Peru.

Discover card in Europe

Unfortunately, using your Discover card can be hit or miss in Europe. While acceptance is high in a few countries, such as Austria and Switzerland, it’s more limited in many popular destinations. France, in particular, has a low acceptance rate.

Discover card in Asia

While using a Discover card is likely to be difficult in most of Asia, acceptance is high in a handful of Asian countries. Discover has a partnership with UnionPay in China and JCB in Japan. These alliances have boosted acceptance rates in those two regions. Discover card is also highly accepted in Israel, India and South Korea.

Discover card in Africa

Acceptance is limited in most of Africa, with the exception of two popular tourist destinations: Kenya and Morocco.

Other countries that accept Discover

Acceptance is limited in most spots in Oceania and the Pacific. However, the Caribbean is a hot spot for using your Discover card – acceptance is high in most of the islands there.

Tips for using your Discover card internationally

Laks Vasudevan, senior vice president of consumer card product management at Discover, offers the following tips when using Discover or any credit card:

• Report a lost or missing credit card . In case your Discover card is lost or stolen while traveling, you can use Discover’s Freeze it feature to lock your account in seconds by calling Discover or logging into your account. You can unfreeze your account just as quickly.
• Make sure you’re not liable for fraud . In case someone steals your credit card information, report it right away to your credit card issuer and check your account frequently for fraudulent activity. At Discover, customers are never responsible for unauthorized credit card, debit card, online, or mobile banking transactions on their accounts.
• Register your travel plans with Discover . Notify Discover online, via the mobile app or over the phone (1-800 DISCOVER) to help ensure uninterrupted use of your card.
• Look for the Discover and Diners Club International acceptance logos at merchants . This will show you where you can use your Discover card. Note that there are a few exceptions to this guideline, including Japan (JCB), China (UnionPay) and India (RuPay). Check Discover’s website for a full list of its affiliated networks.
• Make copies of the front and back of your credit card . Keep these in a separate place in case your card is lost or stolen.
• Understand that individual vendors may not accept the card . Even in countries where Discover card acceptance is high, it won’t be universal. Tourist hotspots like hotels, restaurants or stores are more likely to take Discover. Outside of tourist zones, you may have a hard time using your Discover card. Be sure to have either a Mastercard or Visa card (and some cash) on hand.

Bottom line

Before departing for your international trip, it’s important to consider if your Discover card will be widely accepted in the country you’ll be visiting. Although Discover is growing in popularity and is well-accepted internationally, prudent planning is still important.

This advice applies to any card you choose to bring on your travels: Be sure to bring at least two credit cards – and inform both issuers that you’ll be traveling – to save yourself from being caught empty-handed.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Erica Lamberg is a business, and travel writer whose work also appears in Gannett, US News & World Report, MSN, The Ladders, Reader’s Digest and NBC News. She is based in suburban Philadelphia.

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Discover Card Foreign Transaction Fees [2024 Guide]

Discover offers cash back credit cards, travel credit cards, student and secure credit cards. Each card has its own features and fees – but the good news is that all cards come with no Discover foreign transaction fee to worry about.

However, that doesn’t mean Discover cards are free to use overseas, necessarily. This guide covers all you need to know about Discover card international fees, limits, and exchange rates.

As Discover isn’t the most popular network in some countries and regions we’ll also introduce Wise and Revolut as alternatives with almost globally accepted cards , flexible multi-currency accounts, low transaction fees and great exchange rates.

Table of contents

Does Discover work internationally?

Does Discover have foreign transaction fees?

• International ATM fees

Discover exchange rates

Discover card alternatives.

• Foreign transaction limits

How to avoid foreign transaction fees when traveling

Discover cards can be used internationally in any location displaying the Discover logo. This applies to both making purchases with merchants and withdrawing cash from ATMs.

It’s important to note that Discover may not be as widely accepted in some regions as it is in the United States. If you’re planning to travel, it’s a good idea to check beforehand whether Discover is a popular card network in your destination.

The Discover website offers insights into network coverage that may help. Some countries are categorized as having high Discover acceptance – but others, including common destinations like Canada and Mexico, and major European economies like Germany, are in the lower bracket of ‘growing’ acceptance. That means it’s advisable to carry an extra payment method or two, including cards from other networks like Visa and Mastercard, just in case you encounter situations where paying with Discover may be difficult while you’re away.

Remember that even if your Discover card is accepted at your destination, it may not be the most cost-effective option due to cash advance fees, interest and late payment fees if you don’t clear your bills on time, every time. We’ll provide a more detailed explanation of these fees shortly and offer helpful tips on how to minimize or avoid them while traveling.

How does Discover compare on international fees?

So there’s no Discover card foreign transaction fee but what about Discover international fees more broadly? Here’s a handy overview of Discover against a couple of alternative providers – Wise and Revolut , and a major US bank – Bank of America , to see how the international fees can vary across different services.

Go to Wise Go to Revolut  

There’s no one best card or provider for everyone, and different options come with their own international features and fees to suit different customers. Whichever you pick, it’s important in particular to pay attention to fees that are calculated based on a percentage of your spending.

Although the percentage may appear small, when applied to every dollar you spend while traveling, the total amount can accumulate rapidly. We’ll cover more on this and the providers we’ve picked out here, in a few moments.

There’s no Discover currency conversion fee or foreign transaction fee when you spend with your card overseas. However, other costs may apply to your card. Discover splits its credit cards into different categories, depending on whether you’re looking for a card to earn cash back or travel perks, or a student or secured card option.

To help you figure out which may be best for you, here are the key international and ongoing costs for 3 popular Discover cards:

Discover doesn’t have any foreign transaction fee or annual fee for its core products. That can mean it’s cheaper to spend internationally with a Discover card compared to a card which has a foreign transaction fee – as standard foreign transaction fees can run up to 3% or so on every dollar you spend.

However, as Discover primarily offers credit cards, you may still run into some other fees, such as cash advance fees when you use an ATM, interest and penalties. Depending on your credit score, Discover may not offer the most competitive interest on the market.

One way to avoid the worry of interest payments and penalties is to pick a debit card instead, from a specialist like Wise or Revolut . There’s no foreign transaction fee to pay, and both providers offer multi-currency holding options to make travel and overseas spending convenient.

Go to Wise Go to Revolut

Discover international ATM fees

Discover doesn’t charge a specific ATM fee, but as soon as you withdraw cash you’ll need to pay a cash advance fee instead. This can be pretty high – and on top of that, the ATM operator might add their own fee. Keep an eye on the ATM screen to check if this is the case when you make a withdrawal.

It’s also helpful to look at your card terms and conditions to see if the interest you pay for cash advances is higher compared to card purchases. This is often the case – plus, interest may start to accrue immediately after the withdrawal, with no grace period as you may get with card purchases.

Here’s a comparison of the cards featured above, and the fees you’ll pay when using an ATM:

Here’s a quick reminder of the alternative providers we looked at earlier, compared to the Discover ATM fees:

• Discover (credit cards): 10 USD or 5% cash advance fee (whichever is higher)
• Wise card : 2 free withdrawals to 100 USD/month free , then 1.5 USD + 2 %
• Bank of America (credit cards): Usually a 3 % cash advance fee
• Revolut card : No-fee withdrawals to plan limit, 2 % after that

When you spend in a foreign currency, the amount you pay is converted back to dollars using the Discover exchange rate. It helps to know that the actual rate used may be the live Discover exchange rate on the day your purchase is processed, rather than the day you physically tap or insert your card.

You might find that Discover exchange rates aren’t the same as the rate you find on Google for your currency pair, as they may include a small markup on the mid-market exchange rate. That’s common practice, but can make it harder to calculate what you’ll pay when your foreign currency spending is finally added up to produce your USD bill at the end of the month.

Some providers, like Wise and Revolut , split out the costs of currency exchange and use the mid-market rate for conversion, according to the account plan you hold. That can be more transparent and easier to see exactly what you’re spending every time.

Discover is a pretty good option for international spending as there’s no foreign transaction fee to worry about. However, as the Discover network isn’t as common in many parts of the world as it is in the US, it makes sense to also have another card or two on a different network. Pick the right card option and this could also help you to cut down on foreign transaction fees and get better overall currency exchange rates.

Here are a few Discover card alternatives to consider:

Spending and making cash withdrawals with a card when you’re overseas is often the most convenient and secure way to access foreign currencies – and certainly smarter than carrying a large stack of foreign bills with you. However, the card you pick can make a big difference to the overall costs of your spending and withdrawals.

Credit card cash advance fees – for example – can push up the cost of getting cash a lot, while there are also interest charges to think about. Debit cards can be cheaper – but you can’t then spread the costs of your purchases over several months. Which is best for you depends on how you like to manage your personal finances – to help you pick, we’ll look at each of these Discover alternatives in a bit more detail next.

• Best for: Holding 40+ currencies, with mid-market exchange rates and a linked card for spending in 170+ countries
• Foreign Fees & Exchange Rates: Free to spend any currency you hold, mid-market currency exchange with fees from 0.41%
• Is it safe to use internationally? Yes – Wise is a large, well regulated and trusted specialist provider

You can open a Wise account online or in the Wise app. It allows you to hold 40+ currencies, send payments to 70+ countries, and use your linked Wise card in 170+ countries.

Every month, you’ll enjoy some fee-free cash withdrawals, and after that, there are low fees when you use an ATM. As a bonus, you can also receive money from overseas easily – and often for free – using your own local bank details in 10 currencies.

• Best for: Different account plan tiers, with 25+ supported currencies and some no-fee currency exchange every month
• Foreign Fees & Exchange Rates: No-fees applied to spend any currency you hold, mid-market currency exchange to plan limit, with a 0.5% fee after that
• Is it safe to use internationally? Yes. Revolut is licensed and regulated around the world, and delivers services safely

With Revolut, you have the option to sign up for an account without any monthly fees or upgrade to a paid account with additional features and benefits. Regardless of the account type, all accounts offer some monthly currency exchange using the mid-market exchange rate, with a fair usage charge of 0.5% once you hit your account limits. There may be out-of-hours fees if you convert currencies during weekends or when markets are closed.

Go to Revolut

American Express

• Best for: Broad selection of card options including no foreign transaction fee credit cards, and cards to earn rewards and cash back
• Foreign Fees & Exchange Rates: Cash advance fees of around 5% usually apply to use an ATM, exchange rates are set by AmEx
• Is it safe to use internationally? Yes. AmEx is a reputable and popular service, although the network isn’t as popular in some regions as others, so it ’s worth checking your destination ahead of time

American Express has a great range of credit cards, including a handful with no annual fee and others with no foreign transaction fee to pay. There are also cards with significant opportunities to earn rewards and cash back, including travel optimized cards which have great perks like lounge access and free insurance. As with all credit cards, you’ll still have to pay interest charges if you don’t settle your bill in full every period.

Bank of America

• Best for: Well supported bank with credit and debit cards, including some credit cards with no foreign transaction fees and great travel perks
• Foreign Fees & Exchange Rates: Cash advance fees of around 3% usually apply to use an ATM, exchange rates are set by the card network (Visa or Mastercard for example)
• Is it safe to use internationally? Yes. Bank of America is fully licensed and regulated, and safe to use

As you’d expect from a big bank like Bank of America, there’s a broad range of cards to pick from, including credit and debit cards. All debit cards have a 3% foreign transaction fee, but there are some credit cards with fewer international charges. However, in this case you might pay a higher annual fee in return for the extra perks. Weigh up any annual fee against the discounts and benefits you’ll get from your card before you sign up.

Discover card foreign transaction limits

Discover cards have differing credit limits depending how you match eligibility criteria, including your credit score. Before you apply you can usually complete an online credit check which doesn’t impact your actual credit score, and which can show if you’re likely to be approved for a new card.

Using a Discover card with no foreign transaction fee can be a good way to cut the costs of spending in foreign currencies. However, there are still other fees to watch out for, especially if you need to get cash from an ATM.

As an alternative you could also get a no foreign transaction fee card from a provider like Wise or Revolut , to use when getting cash and spending supported currencies overseas.

Here are a few other tips to make life easier, and keep down the costs of international spending:

• Take the time to read your card’s terms and conditions, to confirm the fees for overseas spending and withdrawals
• Opt to pay in the local currency wherever you are to avoid dynamic currency conversion
• You should always confirm to Discover that you’ll be abroad, to avoid your card being blocked by their anti-fraud measures – you can do this by logging into your account online
• Check your Discover card will be accepted – look for the Discover, Union Pay or Diners Club logo that’s usually displayed prominently
• Make sure to pay your bills promptly to avoid incurring late payment fees from Discover

Conclusion: Discover foreign transaction fees

Discover is known as a good credit card for travel, as cards have no foreign transaction fees to pay when you spend in foreign currencies. That can mean they;re cheaper than competing credit cards for overseas use – but it doesn’t necessarily mean they’re free. Other fees, such as cash advance fees at ATMs still apply – and Discover isn’t the most globally accepted network either.

To be on the safe side, it’s worth having a second card on hand, issued on a different network, just in case the merchant you’re using can’t take Discover. Pick the right card, and this could even work out cheaper for you, too.

Compare Discover against options like Wise and Revolut for multi-currency accounts and cards with dozens of supported currencies and cards you can use more or less globally. You can also get some fee free ATM withdrawals every month, and currency exchange with the mid-market rate – so you can do more with your money while you’re away.

FAQs on Discover overseas transaction fees

Discover cards have no foreign transaction fees. Other international fees may still apply, such as cash advance charges of 5% or so when you use an ATM.

Is Discover card accepted everywhere internationally?

No. Discover can be used internationally,but it isn’t as popular in some regions as it is in the US. It makes sense to check the service in your destination in advance and to have another payment method – such as a card on a different network from Wise or Revolut – to cut overall fees, and just in case you can’t use your Discover in a specific merchant or ATM.

Do you have to notify Discover when you travel?

Yes. You should inform Discover of your travel by logging into your account online and setting up a travel notification. It’s also a smart move to make sure your contact details are all up to date with them should they need to get in touch while you’re away.

Can I use my Discover card internationally without fees?

When you use Discover overseas there are no foreign transaction fees to pay – but other charges such as cash advance fees and interest still apply.

• Bank of America credit card foreign fees
• Discover cards international use
• Wise debit card pricing

Discover Is More Widely Accepted Than You Might Think

This page includes information about Discover products that are not currently available on The Points Guy and may be out of date.

To paraphrase another issuer's old tagline: Discover card, don't leave the US with it. At least, that's been the knock on Discover, even as it promotes no foreign transaction fees on cards like the Discover it Miles. That benefit does little good if no foreign merchant will accept the card.

But the reality is that Discover is actually accepted at more 30 million foreign merchants across 190 countries and territories — outside of the US. As you pack your wallet on your next international trip, it may help to note that Discover has established network alliances across the globe, including relationships in China, Japan, Korea, India, Brazil, Turkey, Nigeria and throughout Europe. In September 2018, Discover announced yet another alliance to expand acceptance in Mexico. Discover, Diners Club International, PULSE and network affiliate cards are now accepted on Prosa's network in Mexico at both point-of-sale and ATM locations.

That doesn't mean Discover can be used everywhere within the countries which it has agreements, just as the issuer isn't accepted everywhere in the US. Still, in 2015, according to some studies, Discover actually became one of the most widely accepted payment card globally . In the US, it has the third highest acceptance rate among card networks, beating out American Express.

If you do travel with the card, just be aware there are still some some gaps in coverage. The issuer has a handy tool you can use to see if the country you're traveling to accepts Discover. The area with the least coverage is Africa, where Discover is accepted only in Botswana, Egypt, Kenya, Morocco, Rwanda and South Africa. It also has coverage gaps in the Middle East, but it is accepted in the United Arab Emirates.

Check the tool to see where Discover cards are accepted at merchants and ATMs. You typically can use your Discover card wherever you see the Discover or Diners Club International symbols displayed. Other foreign partners include Union Pay on mainland China and JCB in Japan.

You'll, of course, want to bring at least one backup credit card with you on foreign trips — in case the shop where you found that adorable tchotchke only accepts Visa. While you're at it, I'd pack some local currency too, just to be extra safe .

Featured image by Caiaimage/Chris Ryan / Getty Images

Please Note: JavaScript is not enabled in your web browser. In order to enjoy the full experience of the Discover website, please turn JavaScript on. If JavaScript is disabled, some of the functionality on our website will not work, such as the display of rates and APRs.

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Find the best credit card for you

Traveling abroad save money and maximize rewards with these 5 credit cards, if you travel abroad, having a credit card with no international fees can help you save..

Booking international travel can be costly, but with a little advanced planning, you can use a credit card to save money. One of the biggest mistakes credit cardholders make abroad is using a card that charges foreign transaction fees, which average 3% per purchase.

If you spend $1,000 on purchases during your overseas vacation , you'll pay $30 in fees that can easily be avoided by using a credit card with no foreign transaction fee . There are many financial steps to take before an international trip, and you can check off choosing the right credit card by considering one of the options mentioned below. (See our methodology for more information on how we choose the best cards.)

CNBC Select reviewed popular rewards credit cards to find the best options for people who are traveling outside the U.S., so you can maximize rewards and save on unnecessary fees. All of the cards mentioned below have no foreign transaction fees.

Best cards for international travel

• Best for dining: American Express® Gold Card
• Best for hotels: Capital One VentureOne Rewards Credit Card (see rates and fees )
• Best for bad credit: Discover it® Secured Credit Card
• Best for luxury travel: Chase Sapphire Reserve®
• Best for entertainment: Capital One Savor Cash Rewards Credit Card*

Best for dining

American express® gold card.

4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases

Welcome bonus

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Not applicable

Regular APR

See Pay Over Time APR

Balance transfer fee

Foreign transaction fee, credit needed.

Excellent/Good

See rates and fees , terms apply.

Read our American Express® Gold Card review .

• Up to $120 dining credit annually ($10 a month) for purchases made with Grubhub, Goldbelly and other eligible restaurants (after a one-time enrollment)
• Up to $120 Uber Cash annually ($10 a month) for U.S. Uber Eats orders and U.S. Uber rides (card must be added to Uber app to receive the Uber Cash benefit)
• Strong rewards program with 4X points earned at restaurants and 3X points earned on flights booked directly with airlines or amextravel.com
• Baggage insurance plan covers up to $1,250 for carry-on baggage and up to $500 for checked baggage that is damaged, lost or stolen
• No fee charged on purchases made outside the U.S.
• No introductory APR period
• $250 annual fee
• Estimated rewards earned after 1 year: $1,074
• Estimated rewards earned after 5 years: $2,969

Rewards totals incorporate the points earned from the welcome bonus

Who's this for? If you love food and travel, the American Express Gold Card could be the ideal rewards card for you. Cardholders earn a competitive 4X points per dollar spent at restaurants and 4X points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Plus, earn 3X points on flights booked directly with airlines or on amextravel.com. Terms apply.

Cardholders also receive an annual dining credit of up to $120 ($10 in statement credits a month) at participating partners, including Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment is required. In addition, cardholders receive $120 ($10 a month) for Uber rides or for ordering Uber Eats.

This card has a $250 annual fee * , but it can be reduced to effectively $10 if you take advantage of both spending credits.

Cardholders can also benefit from Amex Offers , where they earn statement credits or bonus Membership Rewards® points at select retailers. Travelers will appreciate that there are no foreign transaction fees * as well as getting insurance for car rentals and damaged, lost or stolen luggage.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc. Please visit americanexpress.com/ benefits guide for more details.

* See rates and fees

Check out CNBC Select's best rewards credit cards .

Best for hotels

Capital one ventureone rewards credit card.

5 Miles per dollar on hotel and rental cars booked through Capital One Travel, 1.25X miles per dollar on every purchase

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

0% intro APR on purchases and balance transfers for 15 months

19.99% - 29.99% variable

3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time

Read our Capital One VentureOne Rewards Credit Card review.

• 5 miles per dollar on hotel and rental cars booked through Capital One Travel
• Miles never expire for the life of the account
• No Global Entry or TSA PreCheck statement credit offerings
• No airport lounge access

Who's this for? Anyone looking to book hotel rooms should consider the Capital One VentureOne Rewards Credit Card with its impressive offer of 5X miles per dollar on hotels and rental cars booked through Capital One Travel. Cardmembers can earn unlimited 1.25X miles on all other purchases, making it a solid choice for everyday use. The card has no annual fee and charges no foreign transaction fees (see rates and fees ).

Another perk is the 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies (3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time; see rates and fees ).

The Capital One VentureOne Rewards Credit Card offers new users a strong welcome bonus: 20,000 bonus miles after they spend $500 on purchases within three months from account opening. You can redeem miles for past travel expenses, which is essentially a statement credit. Or you can book new travel reservations through the Capital One Rewards Center.

Additionally, with this card, it's possible to transfer your miles to any of Capital One's partner airlines, including Emirates Skywards, Air Canada and Qantas. (Read how to make the most of your airline miles .)

Read CNBC Select's Capital One VentureOne Rewards Credit Card review for more details and check out Select's best hotel credit cards .

Best for bad credit

Discover it® secured credit card.

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

Discover will match all the cash back you've earned at the end of your first year

N/A on purchases

28.24% Variable

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

New / Rebuilding

*See rates and fees , terms apply.

Read our Discover it® Secured Credit Card review.

• Cash-back program
• Generous welcome bonus
• Starting at seven months from account opening, Discover will automatically review your credit card account to see if you can transition to an unsecured line of credit and return your deposit
• Cash-back program limits earnings: 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%
• Low credit line prevents cardholders from charging high-cost items or many expenses

Who's this for? If you have no credit history or bad credit (scores below 580), a secured card may be your best option. The Discover it® Secured Credit Card is a well-rounded secured card that offers many benefits that are typically found with unsecured cards. Cardholders can earn cash back, receive a generous welcome bonus, use the card overseas without incurring added fees and more — all for no annual fee.

Cardholders earn a competitive 2% cash back at gas stations and restaurants, on up to $1,000 in combined purchases each quarter, then 1%. Plus, you can earn unlimited 1% cash back on all other purchases automatically. The welcome bonus is also unique: For new card members in the first year only, Discover will automatically match all the cash back they've earned at the end of their first year. So, if you earn $50 cash back at the end of the first year, Discover will give you an additional $50.

This card requires a $200 security deposit, which is fairly standard for secured credit cards. It stands out from the crowd because it gives users a clear path to upgrading to an unsecured card (and getting their deposit back). Starting at seven months from account opening, Discover will automatically start to review your credit card account to see if they can transition you to an unsecured line of credit and return your deposit. This takes the guesswork out of wondering when you'll qualify for an unsecured credit card.

Read CNBC Select's Discover it Secured Credit Card review for more detail and check out Select's best credit cards for bad credit .

Best for luxury travel

Chase sapphire reserve®.

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

22.49% - 29.49% variable

5%, minimum $5

Terms apply.

Read our Chase Sapphire Reserve® review.

• $300 annual travel credit for travel purchases
• Global Entry or TSA PreCheck application fee credit up to $100 every four years
• Priority Pass™ Select lounge access at 1,000+ VIP lounges in over 500 cities worldwide
• Points are worth 50% more when redeemed for travel via Chase Travel℠
• Special benefits at The Luxury Hotel & Resort Collection
• Complimentary year of Lyft Pink membership
• High annual fee, but it can be offset by taking advantage of all the card’s perks
• No introductory APR
• Estimated rewards earned after 1 year: $1,469
• Estimated rewards earned after 5 years: $3,346

Who's this for? The Chase Sapphire Reserve is geared toward foodies and frequent travelers who are looking for luxurious perks, such as annual travel credits, airport lounge access and complimentary hotel room upgrades. You can take advantage of an annual $300 travel credit, which can cover everything from airfare and hotels, to parking and tolls.

As you spend on the card, you will earn:

• 10X points per dollar spent on hotels and car rentals when you purchase travel through Chase Travel℠ after the first $300 is spent on travel purchases annually
• 10X points per dollar spent on Chase Dining purchases with Ultimate Rewards®
• 5X points per dollar spent on flights through Chase Travel℠ after the first $300 is spent on travel purchases annually
• 3X points per dollar spent on travel worldwide after the first $300 is spent on travel purchases annually
• 3X points per dollar spent on dining at restaurants, including eligible delivery services, takeout and dining out
• 1X points per dollar spent on all other purchases

Points are worth 50% more when redeemed for travel via Chase Travel℠. For example, 80,000 points are worth $1,200 redeemed toward airfare, hotels, car rentals and cruises when you redeem through Chase Travel℠. This perk is a great way to get the most value for your rewards.

In addition, Chase recently added new Lyft perks, including 10X points on Lyft rides through March 31, 2025, when you use your Sapphire Reserve.

While this card has a robust rewards program, it also has a steep $550 annual fee . All the card's added credits and benefits provided by Chase can help offset the cost. The $300 annual travel credit effectively reduces the annual fee to a more manageable $250. Cardholders can take advantage of a Priority Pass™ Select membership that has a value of about $429, as well as Global Entry or TSA PreCheck® application fee credit of up to $100 every four years.

Read CNBC Select's Chase Sapphire Reserve review for more details and check out Select's best travel credit cards .

Best for entertainment

Capital one savor cash rewards credit card.

4% cash back on dining and entertainment, 4% on eligible streaming services, 3% at grocery stores and 1% on all other purchases

Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first three months from account opening

4% for promotional APR offers; none for balances transferred at regular APR

• Unlimited 4% cash back on entertainment purchases
• Ability to redeem rewards at any amount, unlike some other cards with $25 minimums
• $95 annual fee
• No introductory 0% financing offers for purchases or balance transfers

Who's this for? Travelers who love to eat out can't go wrong carrying a dining rewards card. The Capital One Savor Cash Rewards Credit Card* offers 4% cash back on dining purchases. This is one of the highest rewards rates on dining available, and Capital One classifies dining as restaurants, cafes, bars, lounges, fast-food chains and bakeries. Plus, you can enjoy foodie-centric perks, such as exclusive access to premium reservations with OpenTable . And if you're dining overseas, this card doesn't charge foreign transaction fees.

You can also earn 4% cash back on entertainment spending, whether you're buying movie tickets, taking a family trip to the zoo or spending the evening bowling with friends.

Cardholders benefit from exclusive access to dining, sports and entertainment events. Beyond dining and entertainment perks, you will also earn 3% cash back at grocery stores and 1% on all other purchases.

This card comes with a $95 annual fee, but it can be offset by the cash back you earn.

Check out CNBC Select's best credit cards for dining out and restaurants .

How to choose the best credit card for international travel

Choosing the right credit card for your travels is a highly personal choice because, unless you're traveling full-time, you'll probably be using the card more within the U.S. than outside of it. Make sure you're getting a card that earns the most rewards for the types of purchases you frequently make. And focus on choosing a rewards program that you'll find the most useful.

That said, there are a few boxes any credit card should check if you're going to use it for traveling out of the country. Be sure the card charges a $0 foreign transaction fee , so you don't get stuck paying extra for every purchase. It's also important to consider what payment networks are most widely accepted internationally. Visa and Mastercard are usually accepted anywhere you can pay with a card. So if you want to use a Discover or Amex card abroad, you may want to bring a Visa or Mastercard along as well, just to be safe.

What's the best credit card for international travel?

CNBC Select ranked the American Express Gold Card as the best credit card for traveling internationally. It has no foreign transaction fees (see rates and fees ), has generous bonus spending categories and comes with a range of travel insurance benefits.

Depending on your travel needs and wants, you may be better off with a card that has a more specific set of perks. For example, the Chase Sapphire Reserve card is a premium credit card with luxury benefits such as airport lounge access (including Chase Sapphire Lounges ), a TSA PreCheck or Global Entry application fee credit and 10X points per dollar spent on hotels and car rentals when you purchase travel through Chase Travel℠  (after the first $300 is spent on travel purchases annually).

Do I need to notify my credit card issuer if I'm traveling out of the country?

You generally aren't required to let your credit card issuer know when you'll be traveling out of the country. However, it's a good habit to practice and can help you avoid a situation where your card is declined for suspicious activity . Some card issues allow you to notify them online, including when and where you'll be traveling. If you aren't able to submit a travel notification online, you'll have to call the number on the back of your card.

What is a foreign transaction fee?

Certain credit cards charge an additional fee for purchases you make in a foreign currency. These transactions are typically the ones you make we you're traveling abroad, but they can also apply to online purchases you make in a currency other than U.S. dollars. Foreign transaction fees are charged as a percentage of the total purchase amount and are usually around 3%. That may not seem like a lot but it can add up quickly, which is why we recommend always using a credit card with no foreign transaction fees .

Find the best credit card for you by reviewing offers in our  credit card marketplace  or get personalized offers via  CardMatch™ .

Bottom line

Traveling internationally can sometimes be more expensive, and more complicated than domestic travel . However, the right credit card can help alleviate some of these problems.

You won't need to pay excessive exchange fees when using a credit card with no foreign transaction fees, simply swipe your card and the conversion into U.S. dollars is done for you — with no additional fees. And you can earn valuable credit card rewards to use for your next adventure.

But before you apply for your next credit card, be sure to check your credit score to ensure it's as solid as possible. Additionally, be sure your travel budget is well-planned out, as you don't want to come home to a mountain of debt.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best international travel credit cards.

Our methodology

To determine which cards will put the most money back in your pocket, CNBC Select evaluated 127 popular rewards credit cards offered by major banks, financial companies and credit unions that allow anyone to join. We compared each card on a range of features, including travel rewards (points and miles), annual fee, welcome bonus, introductory and standard APR, one-time perks, annual perks, redemption rates, as well as factors such as required credit and customer reviews when available.

Select teamed up with location intelligence firm Esri . The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the 2019 Consumer Expenditure Surveys from the Bureau of Labor Statistics. You can read more about their methodology here .

Esri's data team created a sample annual budget of approximately $22,126 in retail spending. The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953). General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses.

We then estimated how much the average consumer would redeem over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. All rewards total estimations are net the annual fee.

It's important to note the value of a point or mile varies from card to card and based on how you redeem them. When we calculated the estimated returns, we assumed that cardholders are redeeming points/miles for a typical maximum value of 1 cent per point or mile. (Extreme optimizers might be able to achieve more value.)

Our final picks are weighted heavily toward the highest five-year returns, since it's generally wise to hold onto a credit card for years. This method also avoids giving an unfair advantage to cards with large welcome bonuses.

While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your travel habits.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

For rates and fees of the Discover it® Secured Credit Card, click here .

For rates and fees of the Amex Gold Card, click here .

*Information about the Capital One Savor Cash Rewards has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

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Do i need to notify a credit card company when traveling.

If you have planned travel coming up, alerting your credit card issuers about your vacation plans can help to ensure that your charges aren't declined when you arrive. Here's how you can prepare yourself and your credit card for your next trip.

What is a credit card travel notice?

A travel notice is an alert to your credit card issuer that you'll be going on a trip to a different location. By giving this notice in advance, you're letting your credit card company know that you may be making charges from a different state or country.

Why should you notify your credit card company  of travel?

Credit card companies check cardholders' accounts for any unusual or suspicious activity when a transaction occurs. If your company sees a charge from a location away from home, your issuer may think this is suspicious activity and decline the charge. If you're visiting a country or location where fraudulent charges occur more often, the chances of your credit card getting declined are higher when you don't alert your credit card issuer about your travel.

Do you need to notify your credit card  company?

You're not required to notify your credit card company when you're going away on vacation, but it is highly recommended. By letting your credit card company know where you're going and for how long, your company will know that any card transactions from that location were likely authorized by you. Check with your credit card issuer to see if they have travel notification capabilities.

Traveling outside your city

If you're traveling to an area not far from home, it's unlikely that any credit card charges will be declined, so setting a travel notification may not be a necessity.

Traveling outside your state

As you travel further from home, the chance of charges being declined is higher. If you're visiting another state, you can notify your credit card company that you're going away to avoid any hassles as you travel.

Traveling outside your country

You should definitely consider filing a travel notice for every trip outside your country. If you don't file a travel alert with your card issuer, your credit card may get declined and you might need to contact your credit card company to approve your transactions. If you're in a different country you may have trouble with making an international call, an inconvenience that can prevent you from authorizing your charge and enjoying your trip.

Which credit cards require a travel notice?

Not all credit card companies recommend that you set a travel notice before you go away, including those with EMV chips that may provide added security when you travel. If your credit card doesn't have an EMV chip, you should contact your bank before you leave to make sure your trip goes smoothly.

Multiple credit cards

If you own multiple credit cards, you should set travel notifications for each of the cards you plan to use on vacation. Even if you plan to use one of the cards only in case of emergency, set a travel alert for it just in case.

Risks of not filing a credit card travel notice

If you don't give your credit card issuer a travel notice, the company won't know that you'll be making purchases in a new location. If the company starts to see charges on your credit card from a different state or country, it may flag these transactions as fraud. The credit card issuer may then put your account on hold and prevent you from making any purchases until you can authorize the charges.

Once a credit card is declined, the cardholder has to call the issuer or provide an app verification in order to prove that the purchase made was authorized. You may have difficulties contacting your bank for various reasons, such as if your vacation spot has bad cell service or if you didn't set up international calling for your phone plan. Notifying your credit card company before you leave on vacation will help you avoid this hassle.

How to notify your credit card company of travel

You can notify your credit card issuer about your vacation over the phone, online, through a mobile app or in person. You can also contact your credit card issuer to get a better understanding of how to set a travel notice.

Setting your travel notice online or through a mobile app

Setting your travel notification online or through an app can be easier than speaking with customer service, depending on your preferences. Log into your account on your credit card company's website or app and search for “travel notice" options. If you're unable to find where to set your travel notice, get in contact with your credit card issuer.

Setting your travel notice over the phone or in-person

To set a travel alert for your credit card over the phone, call the number on the back of your card to get in touch with your bank. The customer service line will either let you speak to a representative on the phone or work with an automated system. If you have any questions or concerns about your travel notice, calling your credit card company is a good method to set the notification.

If you want to set your travel notice in person, go to your nearest branch to meet with a representative. Meeting face-to-face gives you the chance to ask any questions you might have.

Chase Sapphire is an official partner of the PGA Championship .

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Where Americans Are Traveling in 2024: By the Numbers

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Americans are traveling abroad in droves.

The number of U.S. citizens flying to international destinations reached nearly 6.5 million passengers in March, according to the International Trade Administration. That’s the highest March total in over five years and shows that the post-pandemic “revenge travel” trend is the new normal.

It wasn’t just March, which usually sees a spike in international departures for spring break. In every month of 2024 so far, more Americans left the country than last year and 2019. These trends point to a blockbuster summer for overseas travel.

Nearly half of Americans (45%) plan to travel by air and/or stay in a hotel this summer and expect to spend $3,594 on average, on these expenses, according to a survey of 2,000 U.S. adults, conducted online by The Harris Poll and commissioned by NerdWallet.

That's despite rising travel prices that have caused some hesitancy among would-be travelers. About 22% of those choosing not to travel this summer cite inflation making travel too expensive as a reason for staying home, according to the poll.

So where are traveling Americans going? And what does it mean for those looking to avoid crowds of tourists and higher travel prices?

New travel patterns

Nearly every region in the world saw an increase in U.S. visitors in March 2024 compared with March 2023, according to International Trade Administration data. Only the Middle East saw a decline of 9%. Yet not every region saw the same year-over-year bump. U.S. visitors to Asia saw a 33% jump, while Oceania and Central America each saw a 30% increase.

Comparing 2024 with 2023 only tells part of the story, however. The new patterns really emerge when comparing international travel trends to 2019. For example, Central America received 50% more U.S. visitors in March 2024 compared with March 2019. Nearly 1.5 million Americans visited Mexico, up 39% compared with before the pandemic. That’s almost as many visitors as the entire continent of Europe, which has seen a more modest 10% increase since 2019.

Only Canada and Oceania saw fewer visitors in March 2024 than in 2019, suggesting that interest in these locations has not rebounded. Indeed, the trends indicate a kind of tourism inertia from COVID-19 pandemic-era lockdowns: Those destinations that were more open to U.S. visitors during the pandemic, such as Mexico, have remained popular, while those that were closed, such as Australia, have fallen off travelers’ radars.

Price pressures

How these trends play out throughout the rest of the year will depend on a host of factors. Yet, none will likely prove more important than affordability. After months of steadiness, the cost of travel, including airfare, hotels and rental cars, has begun to sneak up again.

About 45% of U.S. travelers say cost is their main consideration when planning their summer vacation, according to a survey of 2,000 Americans by the travel booking platform Skyscanner.

That’s likely to weigh further on U.S. travelers’ appetite for visiting expensive destinations such as Europe, while encouraging travel to budget-friendly countries. It could also depress overall international travel as well, yet so far, Americans seem to be traveling more.

For those looking to avoid crowds while maintaining a budget, Skyscanner travel trends expert Laura Lindsay offered a recommendation many of us might need help finding on a map.

“Albania has been on the radar of travelers looking for something different,” Lindsay said. "Most people have yet to discover it, but flights and tourism infrastructure are in place, and there are fewer crowds in comparison to trending European destinations like Italy, Greece, or Portugal.”

On the flip side, American travelers looking to avoid crowds of compatriots would do well to avoid Japan, which has seen a staggering 50% increase in U.S. tourists between March 2019 and 2024.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

Credit card rewards

How to Save Money on Flights, Hotels, and Other Travel Expenses

Key points about: saving money on travel.

Travel websites often offer deals to save money on flights and hotels, and travel credit cards may allow you to redeem miles to use on these and other travel expenses.

With a  Discover it® Miles credit card, you can earn unlimited 1.5x Miles on travel purchases and all your everyday purchases, which you can then redeem in a variety of ways.

You can save money by traveling during off-peak times, flying midweek, or booking a travel package that includes airfare, hotel, and a rental car.

Those travel photos you see on social media that look like a million dollars have a secret—many hot locales may be more accessible than you think. No matter your destination, from the top tourist spots to the places off the beaten trail, researching transportation and lodging, looking for deals, and using your credit card to earn rewards and  redeem  them when possible can be just some of the ways you can save money on travel.

Here are more tips for how to save money while traveling.

Save money by traveling off-peak

If you can travel during off-peak times, or the weeks just before or just after peak travel times (what’s known as the shoulder season), you might save serious cash on a dream destination. Many factors determine peak season. In the U.S., peak times are usually summer, when the days are long and warm, and schools are out. But in South America or Australia, January is summer and March is the shoulder season.

How to save money on flights

Saving on airfare  is probably near the top of your list, but there’s been so much written on the subject that it makes more sense to reduce it to the basics.

With so many travel sites that offer flight and hotel deals, you can almost always find a way to save on a trip. If you want a flexible travel card that lets you earn Miles on everyday purchases and redeem miles for cash to use on travel, consider a  Discover it ® Miles  credit card. Your morning coffee, online shopping, and even groceries automatically earn unlimited 1.5x Miles on every dollar of every purchase. And we’ll automatically match all the Miles you’ve earned at the end of your first year. There is no limit to how much we’ll match. 1 Learn More , Opens new tab

Fly midweek

Weigh the cost of the days you plan to travel. For example, Sunday prices can soar as travelers race home before the workweek, but flights on a Thursday could be ideal.

Plan your flights ahead

Many trip-planning websites allow you to set price alerts for chosen destinations. And some airlines offer discounted rates for taking connecting flights instead of nonstop. You might even be able to include hotel and car rental reservations with a package that costs less than it would if you had booked each element separately.

Pick your destination based on airfare

Instead of deciding where to go and then looking for the cheapest airfare, it can be easier to save money by choosing your destination by how much it costs to get there.

Watch for savings within 24 hours

U.S. law requires that airlines allow you to cancel your booking within 24 hours. This means that you can save money by booking a lower airfare if the price drops within one day.

Did you know? If you often travel by air, having a credit card built for airline travel can be a great way to build rewards for your future trips. Travelers who want more flexibility may appreciate the unlimited Miles and great benefits they can find on a Discover Card. Learn More , Opens new tab

How to save money on hotels

Don’t be afraid to ask hotel staff about promotions or specials. If you’re traveling in a shoulder or off-season, you may be able to score a three-star room for a one-star price. Travel websites can offer significant deals and opportunities to save money by bidding on properties or taking advantage of lower rates for places that want to fill rooms fast.

For hotels, consider booking your room at the last minute to take advantage of cancellations. If you do see a low price on a third-party site, consider asking the hotel directly if they’ll match the price.

Some hotels give their best rates to members of their loyalty program, so signing up can let you save money.

Ways to save money when you travel by car

Road trips often seem like the best option for cost-conscious travelers, but driving can be quite expensive.

Before you go, get a tune-up so you can avoid wasting money on emergency repairs during your trip. Portable devices that allow you to jump-start your car or inflate your tires can be inexpensive and well worth the cost.

Before you leave, create at least a rough itinerary so you’ll know if you’ll need a bathing suit, hiking shoes, gym clothes, camping equipment, or other essentials. Pack plenty of snacks and a cooler full of drinks and plan to stop at grocery stores along the way to create less expensive meals.

Consider the cost of gas and tolls as well. Parking, too, could be a hassle depending on your destination, and a pricey one at that. Apps and online tools can help you find the cheapest gas in your area. You might also be able to save money by filling up well outside of major cities.

Ways to save money on other travel expenses

Account for dining in your travel budget.

When it comes to dining on vacation, you can save money while still enjoying the local cuisine. If your lodging comes with a kitchen, shop for local groceries to prepare meals to take with you. Stocking up on little things like water and snacks can wind up saving you money. If food feels like a key part of your travel, one restaurant meal a day can be a budget-friendly option.

Don’t let shopping derail your travel budget

Shopping can feel like a travel treat that may allow you to experience a different aspect of your destination. But it’s also something that could break your travel budget.

One way you could save money for travel is to make sure you know the exchange rates and where to exchange. Exchanging cash at a convenient airport kiosk will typically charge you an unfavorable rate, so either obtain cash from your bank before leaving or use a regional ATM once you arrive.

Open-air and flea markets may be good places to find unique gifts that you can sometimes negotiate on price.

If you’re visiting multiple countries or regions, save your shopping for the most affordable destination.

Save money on popular attractions

Museums, amusement parks, and other attractions can tack big expenses onto an already expensive jaunt. You may be able to save money on admission by booking in advance or using discounted rates if you qualify, such as military, student, AAA, or senior.

Many amusement parks also offer a variety of entertainment choices and great discount packages that could save you money.

How to Save Money on Cruises

If you want to hit the high seas on a cruise, research when the best deals are offered before your departure date. And if you live close to the coast, you may be able to save money on a flight if you board closer to home.

Also, make sure enough is included in the pricing option you select and read the fine print. The least inclusive option might save on the base price of a cruise, but you may be on the hook for lots of additional onboard expenses.

If you think you can’t afford a vacation, think again. These tips can save you money on flights, hotels, and other travel expenses that might get you closer to your travel budget than you think. Before you travel, be sure to inform your banks and  credit card  companies that you’ll be accessing accounts from unusual locations. Otherwise, a charge from a foreign merchant may set off fraud alerts. Discover  makes it easy to register your travel plans  online or through our mobile app.

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