1. If domestic credit cards are cashed back overseas, such as 5%, 10%, but foreign credit cards are not cashed back, then domestic credit cards are definitely more cost-effective.

2. If domestic credit cards don't cash back and foreign credit cards have many discounts in the United States, then there are more cooperative businesses and more discounts, and foreign credit cards are definitely more suitable.

The above does not consider the slight exchange rate difference caused by visa, MasterCard or UnionPay card.