The most common foreign currency for credit cards is the U.S. dollar. Many credit cards with VISA or Matercard use U.S. dollars as the conversion unit, but usually you can also spend in other currencies such as euros, pounds, etc. However, the bank will convert from euros or pounds to US dollars during settlement, and there may be a slight fee due to the exchange rate difference. In addition, many banks also offer specialized currency or multi-currency credit cards. Such as RMB and Euro credit cards, or multi-currency credit cards. The foreign currency of this kind of credit card is directly settled in RMB, eliminating the exchange rate fees incurred by intermediate conversion.