All-currency credit card is a universal credit card. At present, most credit cards in the market only support local currency transactions, and when used overseas, they need to pay remittance fees and exchange rate fees, which are relatively high. All-currency credit cards can be used all over the world, avoiding the loss of exchange rate fees and improving the convenience of cardholders, making them the first choice for international travel.

Holding a full-currency credit card can enjoy more benefits and rewards. In order to attract more cardholders, all-currency credit card issuers usually offer higher points, cash back or coupons as rewards. Consumers who hold such credit cards can enjoy more discounts and benefits, such as hotel discounts, airline miles, shopping cash back, etc.

All-currency credit cards have a higher credit rating. All-currency credit cards usually have higher credit ratings because of their wider availability. The credit evaluation of all-currency credit card holders will also be improved accordingly, and large loans such as house purchase loans and auto loans are more favorable than other credit cards. In addition, consumers with full-currency credit cards can enjoy higher credit lines and lower interest rates.