Recommended credit card for overseas shopping:

China Merchants Bank American Express American Express Card (it is recommended to apply for a gold card)

Reason for recommendation: Some American B2C websites such as Levis, Ralph Lauren and NewEgg do not support domestic Master or Visa dual-currency credit cards, but you can use AE cards to place orders conveniently. Four domestic banks have launched American Express co-branded credit cards, namely CITIC, Bank of China, ICBC and China Merchants Bank. Relatively speaking, Speaking of which, China Merchants Bank has the best online payment and various experiences.

Overseas shopping credit card recommendation two:

Bank of China Great Wall Global Pass Credit Card (recommended to apply for a gold card)

Reason for recommendation: This is a full-currency card For credit cards, you can open accounts in RMB, which means that no matter which country you spend online, you can account in RMB. The exchange rate uses the exchange rate of the day. In addition, gold cards can open virtual cards. The advantages of virtual cards are There is a limit, currently it is 1,000 yuan per day, which can better avoid being stolen.

This card needs to be applied at the bank counter. Remember to bring your ID card, income certificate and other materials

Three recommended overseas credit cards:

The previous 2 cards , basically a must-have. Next, we recommend some mainstream VISA and MasterCard credit cards. You can choose according to your preferences and domestic activities:

(1) Bank of Communications Walmart Co-branded Card (MasterCard Gold Card ): In addition to normal overseas shopping, you can go shopping at Walmart every Friday in China and get a 5% rebate.

(2) Industrial and Commercial Bank of China Multi-Currency Card (MasterCard Gold Card): It is also a full-currency card that can be used in the currencies of more than 10 countries, eliminating currency conversion fees (currency conversion fees are charged by merchants) The currency conversion rate for converting currency directly into RMB is generally 1.5%-2%).

(3) China Construction Bank Dragon Global Payment Card (MasterCard Gold Card): This card was recommended by a classmate who commented. I did not apply for it myself. I found that it was a platinum card, but I made 10 transactions. There is no annual fee, which is also a good choice. The exchange rate is also relatively low. Students who need a platinum card are recommended to apply.

(3) CITIC Bank AE card or VISA card: The reason for recommendation is that in addition to accumulating points for overseas shopping, CITIC Credit has many domestic activities, such as redeeming movie tickets for 9 yuan, free Starbucks coffee, etc. Etc. VISA card is mainly used for various Visa-specific activities, and AE card is mainly used for website transactions. You can choose according to your needs.