Which bank’s credit card is best for traveling to the United States?

1. The best choice is VISA and MasterCard from various banks and UnionPay’s package cards or single-label cards. (Because VISA and MasterCard have the highest penetration rate in the United States.) It is best to choose VISA and MasterCard cards that do not have currency conversion fees, otherwise there will be a currency conversion fee of 1.5. \. It is best to choose VISA and MasterCard cards that have certain cash back when swiping cards overseas (including the United States) to save money. \\ICBC’s Diners Club card is not bad, but there are not many POS machines that support Diners Club lines. If you want to apply for an ICBC credit card, you can choose ICBC's "Global Travel Credit Card", which includes VISA and MasterCard. There is not much difference between the two.

What credit card should I apply for when I frequently go abroad?

Question 1: What credit card to use when traveling abroad? How to choose a credit card when traveling abroad can make overseas consumption more cost-effective. It is really particular. Credit card experts said that there is not much difference in which bank's credit card you choose to use. The most important thing is to distinguish between dual currency cards and credit cards.

There is a PK in saving money with dual-currency cards and UnionPay cards

When cardholders use dual-currency credit cards to make purchases overseas, they must pay a one-time currency conversion fee of 1-2 of the total transaction amount. , and also bear exchange rate risks. At present, most of the dual-currency credit cards provided in China are settled in RMB and US dollars. If the cardholder travels to a place where neither US dollars nor RMB can be used for settlement, when using a dual-currency credit card overseas, the local currency needs to be converted into US dollars. proceed to checkout. After returning to China, when repaying the loan in RMB, it is necessary to convert US dollars into RMB for calculation. In this way, two exchange rate conversions may occur, and there is a certain risk of exchange rate fluctuations, which may cause certain exchange rate losses to the cardholder.

Experts suggest that in overseas areas where RMB card swiping services have been opened, it is best to use UnionPay cards. Because when a card is swiped through UnionPay channels, the consumption amount will be directly converted into RMB according to the exchange rate and credited to the account, so no exchange fees will be incurred. This process only involves an exchange rate exchange process, and the RMB paid is the least.

UnionPay cards only have one exchange rate exchange, which can relatively reduce the cardholder’s exchange rate losses. However, overseas, VISA and MASTER have more outlets and are more convenient to use, while UnionPay cards have fewer outlets.

Choose the right card to reduce exchange rate losses

The UnionPay network has not yet been fully rolled out. In some countries and regions, not every merchant can accept UnionPay cards. At this time, it is necessary to have a Visa, MasterCard or JCB credit card in your hand. In order to avoid currency conversion fees when swiping cards overseas, you need to choose a suitable credit card appropriately before traveling abroad. Credit card experts suggest that when cardholders use credit cards overseas, it is best to choose a card with the same currency as the local currency. If you want to travel to Europe, it is best to choose a Euro card, to Japan it is best to choose a Japanese Yen card, and to Hong Kong it is best to choose a Hong Kong dollar card.

Cards are divided according to currency. The most common ones in China are US dollar cards, Hong Kong dollar cards, Euro cards and Japanese yen cards. Choosing the right card can reduce exchange rate losses. When a U.S. dollar card is used in countries and regions where the common currency is not the U.S. dollar, such as Europe, the accounting currency is the local currency, which is the euro. The euros need to be converted into U.S. dollars during settlement, and the U.S. dollars are converted into RMB when repaying in RMB. calculate. This adds a foreign exchange conversion process, which will bring certain exchange rate losses to the cardholder. When using a Euro card, the billing currency and settlement currency are both Euros, which are directly converted into RMB, thus reducing some exchange rate losses.

Question 2: Which credit card is better to use when going abroad? First, of course, you must choose the most economical transaction route. Currently, UnionPay cards are accepted in more than 110 countries and regions. When cardholders swipe their cards overseas through UnionPay channels, the transaction currency will be converted into RMB according to the exchange rate published by UnionPay and credited to the RMB account of the cardholder's credit card. No additional exchange fees will be incurred. After returning home, the payment can be made directly in RMB.

However, as it will take some time for the UnionPay network to be fully rolled out, it is currently not possible in some countries or regions for every merchant to accept UnionPay cards. Therefore, when UnionPay channels are not available, A Visa, MasterCard or JCB credit card is still very necessary. At the same time, in order to avoid foreign exchange fees when using the card, consumers need to accurately select the card in advance.

When you plan an in-depth vacation in Europe, you might as well apply for a credit card with a Euro account. In this way, consumption in euro countries can be credited to the euro account without incurring additional fees. Bank of China, Industrial and Commercial Bank of China, and China CITIC Bank have all launched cards with euro as the settlement currency.

Consumers who plan to go to Japan may wish to apply for a dual-currency card with a Japanese yen account that Bank of China cooperates with JCB, such as the Lucky Cat Credit Card. The annual fee is waived for the first year of the card, and the card can be swiped within one year of opening. Spend five times to get the annual fee waived for the next year.

In addition, Bank of China has also launched a pound international card and a Hong Kong dollar card. Both cards are single currency cards and require a certain annual fee. If cardholders use their cards in the UK or Hong Kong in the future, they might as well apply for these two cards.

Second, before traveling abroad, call or go online to learn about the special functions of each bank's credit card for overseas consumption, as well as the overseas credit card promotions launched by the credit card you carry, so that you can get more discounts and practical information about saving money. The amount of overseas card consumption is large, which is a good opportunity to accumulate credit card points. The points earned by cardholders from overseas purchases can be exchanged for flight mileage rewards.

Third, if you plan to make large purchases abroad and are worried that your credit card limit is not enough, the cardholder can apply to the bank in advance to adjust the temporary limit. It is recommended to travel with 2 to 3 credit cards from different card issuers, so as to solve the limit problem and also serve as backups for each other.

Question 3: What kind of bank card is more convenient to apply for when going abroad? In principle, ATMs abroad that have the Visa or Master logo (the logo on your credit card) or the UnionPay logo are acceptable. When traveling abroad, it is OK to use a credit card or UnionPay card (a POS machine with the UnionPay logo is required). If you want to withdraw money as you said, there is no need to use a credit card or UnionPay card, because you need to use these two cards to withdraw cash. There is a certain handling fee. Credit cards can only be in U.S. dollars. For UnionPay cards, you have to deposit it in China in advance. Credit cards also charge interest on cash withdrawals and then you have to pay back in RMB. In short, it is not worth it and you will be in trouble.

Suggestions:

If you don’t need much cash for a short-term trip abroad, exchange it in China and bring it with you, or bring it with you and exchange it locally.

If you are going abroad for a long time, it is recommended to open a local account and then remit money from home to your overseas account. If you are in a Western country like the United States and Canada where travellers' checks or global money orders can be used, you can go to the bank to apply for traveler's checks or global money orders and bring them to the local area (these two are equivalent to cash, are very common in these countries, and are easy to use. no trouble).

Question 4: Which credit card does China Merchants Bank recommend you apply for when going abroad to apply for a full-currency credit card? China Merchants Bank issues VISA, MasterCard, and BOOKING various full-currency credit cards. No matter when, where, or how you use it, you will be exempted from the 1.5 currency exchange fee when using this card to make purchases or withdraw cash, making your consumption more convenient.

Question 5: Which bank’s credit card is more suitable for traveling abroad? OK.

Generally, you can apply for a quota, and it is reserved for multiple people or for each individual.

You can call the bank’s customer service number to ask relevant questions.

Question 6: Which credit card is better to use when traveling abroad frequently? Pufa AE White and China Merchants Jindian Platinum Cards are both good. If you can’t apply, just Pufa Dream Card or CITIC Visa high-end card. The site where I look at my avatar has a credit card recommendation column

Question 7: What credit card is best for traveling abroad? It depends on which country you go to. For example, JCB is the best, and it settles in Japanese yen. For other European and American countries, either visa or master is acceptable. Of course, UnionPay debit cards are also good and the cheapest, but they are not widely applicable.

Generally speaking, it is most cost-effective to get a credit card. Special note: There is no password for overseas credit cards! No password is required for credit card purchases abroad. Even if a credit card has a password for consumption, it does not require a password when used overseas (except for UnionPay lines). Therefore, I would like to remind you that you must take good care of your credit cards just like you would take care of cash. Once a card is accidentally lost, call the bank immediately to report the loss. Hope this helps friends who want to travel abroad!

Question 10: What kind of credit card is better for studying abroad? I personally think it is better for you to apply for a credit card when you go abroad.

If you must apply for a card, you can apply for a combination card. 2 cards, one account

Your family can take one. You can take one. Your family can send money to the card and you can use it. But if you want to withdraw money from the parent card abroad, You have to pay a handling fee of 5, which means that you have to pay the bank 50 dollars to take out 1,000 US dollars

But if you use a combined card to swipe the card, you don’t have to pay a handling fee and you can overdraft

As for how to apply for a combination card, please consult the local bank. I only know that to apply for that card, you need to pay a certain amount of money as a deposit in order to be able to overdraft

I want to travel abroad. What kind of card is convenient to use?

I don’t know if the question is referring to bank cards? Or is it a phone card that can be used locally?

1. A debit card (any bank is acceptable, the top 5 banks are recommended)

In addition to carrying enough cash when traveling abroad (some countries have restrictions on entry There are limits on cash (too little will be sent home), and it is also recommended to carry a debit card so you can withdraw cash in the event of an unexpected event (such as running out of cash). At present, the five major state-owned banks basically have branches overseas. You can directly exchange currency with a debit card and get local currency.

Other smaller banks are not impossible, but they sometimes incur additional handling fees and are not as convenient as the five major banks.

2. A credit card

First of all, UnionPay can also be used, which is called unipay in English. When store clerks see domestic customers issuing dual-currency cards, they will ask whether they use UnionPay or visa/master. , UnionPay payment is better and you can save money on the exchange rate.

Cards marked with VISA or MSATERCARD are acceptable. Cards with these two comparisons are currently generally used worldwide. Currently, all domestic banks can apply. Just select "Dual Currency Credit Card" in the application form. The access method is very convenient. Credit cards can be used for advance purchases abroad, solving the problem of not wanting to carry too much cash.

There is also a card mark called "AMERICAN EXPRESS", which is the famous American Express, which is world-famous for its black card-Centurion Card. However, in China, all the cards are co-branded in cooperation with major banks, so it is a bit difficult to apply for them. Ordinary friends can't use this kind of card.

3. Alipay/WeChat

In fact, Alipay and WeChat are now available in many countries. When paying, just ask the service staff if you can use Alipay or WeChat. Many foreign stores will post the logos of Alipay and WeChat outside the store, so that when paying, you can just take out your phone and the clerk will understand. Very convenient! After all, Chinese people buy out the whole world. Ha ha.

Hello friends, I am Dahai and I am happy to answer your question "If you want to travel abroad, what card is convenient to apply for?"

I often travel abroad, and I think I must prepare first. Some cash, then bank cards. Because there are relatively few people in some remote and backward countries who can swipe credit cards, it will take time to look for places to swipe cards. So prepare some cash for emergencies.

If you go to a more economically developed country, shopping malls and stores generally accept credit cards. Just bring UnionPay card, visa card, master card. And now in many countries, you can withdraw cash from ATMs with UnionPay, which is very convenient, but there is a handling fee. Nowadays, with the continuous development and progress of technological networks, Alipay is now available in some countries.

It is best to learn about the payment methods of the country you are going to online before traveling, which is better, safer and safer.

Generally, you can travel around the world with master card and visa card, because these two cards have wide coverage in the world.

I hope the above experience will be useful to you, thank you.

In Asian countries, credit cards or debit cards with the UnionPay logo are acceptable. Credit cards or debit cards outside of Asia, especially in Europe and the United States, must have a VISA logo (but not many debit cards have this logo).

In many countries, credit card purchases must be from your own credit card (for example, if a wife uses her husband's credit card to make purchases without the husband being present, it is not allowed).

In addition, in European and American countries, you do not need a password when swiping a card through the VISA channel (no matter how complicated your password is). You can swipe the card directly and only need the cardholder’s signature to confirm

ICBC's multi-currency credit card supports more than 10 types, which is very powerful

Bank of China's Global Pass credit card is also good, with no currency conversion fee

I think it is better than other dual-currency cards Both of these are much weaker. I have also used them.

For a debit card, choose one that offers free withdrawals at ATMs around the world. Ping An debit cards no longer offer the first three transactions for free. , Huaxia debit card also depends on where you apply for it. Huaxia debit cards issued in many cities are not free

In addition, you can’t imagine the power of Alipay and WeChat. They can basically be used in most countries. Feel free to use it! [呲呲][呲呲][呲呲][呲呲]

First of all, I think cash is necessary, because in some places credit cards cannot be used, and there are no developed or underdeveloped places. For example, small shops in some countries and regions cannot accept credit cards. Even many restaurants in Hong Kong cannot accept credit cards and only accept cash, so cash must be prepared. The second is bank cards. As for bank cards, the more common ones abroad are visa card and master card, so these two cards can basically be used all over the world.

In addition, there are actually many ways to pay, so when traveling, it is safest to prepare all the methods. For example, mobile payment functions such as WeChat and Alipay are now available in many countries and regions. All of them can be used. In addition, UnionPay cards have also signed agreements with many countries and regions. You can also withdraw cash from ATMs with UnionPay, but there is a handling fee or machine usage fee. Yes, the exchange rates between banks may be different, so just know it in advance. In addition to Visa and Master credit cards, you can also use UnionPay debit cards in many shopping malls. Therefore, it is safest to know the payment method at your destination in advance before going out. This can save a lot of unnecessary costs. Trouble, so that you can have fun playing and buying happily.

First of all, I am very happy to answer your question. I am a travel expert named Xiaokang.

Regarding the question of which card to use when traveling abroad, I am not sure whether you want to inquire about a bank card. Still talking about mobile phone cards, so I will briefly talk about these two points which I think are more convenient methods.

Mobile phone cards

Now the three major domestic mobile phone operators can apply for global roaming services, but I feel that the price is slightly high and not suitable for long-term use of the Internet abroad. Generally speaking, I buy overseas local phone cards on a domestic e-commerce website before departure. I remember that I bought a Malaysian phone card before. It costs more than 30 yuan and can be used for 10 days with unlimited data and 100 minutes of calls. There are many online ones that sell them for overseas travel. Overseas calling card, but you must remember that you must activate it after going abroad to get the card, and it cannot be turned on and used domestically.

Which bank’s credit card is better for traveling abroad

Which bank’s credit card to choose when traveling abroad actually depends on the specific country you are going to.

There are currently 5 major card issuing organizations in the world:

VISA (Visa International) is currently the largest credit card organization in the world, headquartered in San Francisco, California, USA.

MASTER (MasterCard International Organization), MasterCard International Organization has now developed into the world's second largest credit card international organization after Visa International Organization.

AE (American Express), one of the largest credit card companies in the United States, was founded in 1941 and began issuing Express cards in 1958. It is currently the third largest credit card organization in the world.

JCB (Japan Credit Bureau), JCB was established in 1961 as Japan's first dedicated credit card company. It is a credit card company representing Japan.

UnionPay (China UnionPay), China UnionPay is a joint-stock financial institution approved by the People's Bank of China and co-sponsored by more than 80 domestic financial institutions, with a registered capital of 1.65 billion yuan.

The single-currency credit cards currently issued by various banks in China are owned by these five credit card organizations. So we can choose the corresponding card type according to the travel area. For example, Bank of China issues UnionPay single-currency credit cards and MasterCard single-currency credit cards, as shown below:

VISA and MasterCard are available in a wide range of areas around the world, and can be used almost all over the world. Generally speaking, VISA and AE have the largest coverage in North America, especially in the United States. There is basically no card that cannot be used with AE, so when going to the United States, you can just bring a VISA or AE card issued by any domestic bank. For example, Bank of China also issues separate AE cards.

If you go to Europe, you can choose MasterCard, because the MasterCard organization is more widely distributed in European countries, which makes it more convenient to use, and you can bring a VISA card as a backup. It is also a VISA credit card issued by Bank of China.

The first choice when going to Japan is JCB card. All merchants in Japan that accept credit cards can support JCB cards. The following is the JCB Lucky Cat card issued by Bank of China.

In Southeast Asia, both VISA and MasterCard are accepted. Generally, both card organizations will support it.

Of course, many shopping attractions in the areas where Chinese tourists often travel accept UnionPay cards, and there are many discounts for UnionPay cards. For example, large shopping malls in Japan will get a 5% discount when paying with UnionPay cards. Wait, so be sure to bring a UnionPay credit card. If you encounter someone who can swipe a UnionPay card, just swipe it directly.

In addition to the general rules for card selection mentioned above, each bank has different discounts for overseas consumption. For example, Bank of Communications’ platinum credit card, commonly known as Bai Qilin, can earn 10 times points for purchases in designated overseas countries. Bank of China's all-currency international chip card, Great Wall International Zhuojun Card's cash back of 5 for overseas online consumption, Great Wall Global Pass Free Travel Credit Card's cash back of 5 for overseas offline consumption, etc.

My personal favorite is the Bank of China all-currency international chip card, because when doing foreign transactions, the local currency is usually converted into US dollars for recording, so many times it needs to be repaid in the next month. Purchase foreign exchange to pay bills in US dollars on your own. However, the full-currency international chip card can choose to automatically convert the local currency into RMB and deposit it into the account, so that you only need to pay back RMB.

In terms of exchange rates, the exchange rates of MasterCard among the five major organizations are usually slightly better than those of other card issuing organizations. For example, shopping in Hong Kong on the same day:

VISA route, spending HK$105.6, receiving RMB 89.44, and the exchange rate is 0.8469.

Using the UnionPay route, the consumption was HKD 299.2, the credit was RMB 253.3, and the exchange rate was 0.8466.

AE route, consumption is HKD 62.9, credit is RMB 53.2, exchange rate is 0.8457.

Of course, this exchange rate is almost negligible for small purchases, but you still have to calculate it for large purchases. So I use the Bank of China MasterCard full-currency credit card when I go abroad on a daily basis, and then add a UnionPay single-currency card also from the Bank of China. You can get double points by swiping MasterCard, and you can enjoy UnionPay's special discounts by swiping UnionPay. For me personally It's a relatively perfect match.

Which bank’s visa credit card is better for traveling abroad?

When outbound tourists use RMB UnionPay cards to make purchases abroad and in Hong Kong and Macao, it is more difficult to pay back when using RMB UnionPay cards than using international cards. Pay one less currency conversion fee.

Relevant people from China UnionPay said that international card organizations charge part of the currency conversion fee, that is, service fee, in the exchange business. At present, when cardholders of "UnionPay Standard Card" make purchases abroad, UnionPay will perform a one-time conversion (without intermediary currency transfer), and only conduct currency conversion according to the prescribed exchange rate without charging any currency conversion fees. This is the difference between UnionPay cards. A major advantage over other international cards such as VISA. \\I don’t know the specific conversion rate, it seems to be 1-2. Just use UnionPay in Hong Kong. There are UnionPay POS machines everywhere. If you don’t have a card, just use RMB. They also welcome RMB; now many countries in Europe also open it When I was in Germany, I used UnionPay cards for shopping and hotel stays, which was very convenient. But now there are dual-currency cards. You can just apply for a dual-currency card. When using the card, if the merchant has a UnionPay logo, ask him to use the UnionPay line. If there is no UnionPay logo, use the VISA or MASTERCARD line. This saves a little bit. \

What credit card is better for traveling abroad?

What credit card is better for traveling abroad?

It is really tricky to choose a credit card when traveling abroad to make overseas consumption more cost-effective. Credit card experts said that there is not much difference in which bank's credit card you choose to use. The most important thing is to distinguish between dual currency cards and credit cards.

Dual-currency cards and UnionPay cards save money. When PK cardholders use dual-currency credit cards for consumption abroad, they have to pay a one-time currency conversion fee of 1-2 of the total transaction amount, and they also bear the exchange rate. risk.

Use the card to feel it. Generally, credit cards are divided into simple UnionPay cards, UnionPay VISA/MASTER/JCB (which also includes full-currency cards.) I have three cards at a time, one simple UnionPay card, one UnionPay JCB card, and one full-currency card. Card. I feel like they can complement each other. Of course, it also depends on which country you go to and play more.

Generally, the process of swiping a card is to first ask the merchant whether it supports UnionPay cards. UnionPay is the first choice. When checking out, tell the cashier first if there is a UnionPay channel to go through the UnionPay channel. When the card is swiped on the UnionPay line, the payment will be settled directly in RMB; when the card is swiped on the international line, this refers to the master line, the payment will be settled in US dollars. Since overseas consumption by credit card will be settled in U.S. dollars, if the consumption amount is non-U.S. dollars, there will be an exchange fee between the two currencies, which is 1.5 of the transaction amount. The exchange fee is charged by the bank on behalf of the international organization. If the consumption amount is in US dollars, there will be no foreign exchange settlement fee. If you use a full-currency credit card, you can spend any money around the world with 0 currency exchange fees. The function of purchasing foreign exchange will be automatically activated, and you can purchase foreign exchange for repayment in RMB.

This involves where to go and what card to use. For example, when I go to South Korea, many merchants support UnionPay. It’s no problem for me to just use a separate UnionPay card. Another important reason is that UnionPay channels have many local discounts in South Korea (this is the case in many Asian countries)! There are some exclusive offers for UnionPay cards in the country! Regarding this JCB card, I got it just for the sake of looking good. It is completely equivalent to VISA and Master, which means it is a dual-currency card. It is absolutely no problem to spend in the United States or the US dollar area, which is equivalent to the one you have. master. If you use it in non-U.S. dollars and does not support UnionPay areas, you will need to consider the handling fee. Regarding all-currency cards, it is true that Bank of China, ICBC, China Merchants Bank, China Construction Bank and other banks now have them. In fact, the operation methods of these cards in various banks should be similar, as described above. So it depends on which one is easier to use. I have a CCB all-currency card. It’s very convenient to use and I haven’t received any notice of currency conversion fees. I have tried it in Korea, Vietnam, Thailand, and Taiwan, and the whole process was stress-free. If you go out frequently, you might consider getting a full-currency card.

I hope the above information is helpful to you~