Credit card for use abroad
A credit card for abroad should have special condition features, so that it can be used as cheaply as possible or free of charge at ATMs and for cashless payments.
Also special insurances like the foreign health insurance, certain travel insurances or car insurances, which the credit card contains, can make the stay abroad more comfortable.
What kind of credit card for abroad?
Credit cards with a real credit line such as the charge or revolving card are the best solution when it comes to the highest level of acceptance. Especially car rental companies usually only accept these credit cards, debit credit cards or prepaid credit cards may be rejected.
Certain customer groups such as minors, schoolchildren, trainees or students who are abroad are usually granted a prepaid credit card on the basis of age and creditworthiness. With this credit card, young people can withdraw money and pay abroad without incurring debts. It offers the important advantages that are important for a credit card abroad and is unproblematic and also available without Schufa information.
Visa and Mastercard credit cards experience the highest acceptance in foreign countries worldwide, moreover, these credit cards are issued through banks and credit institutions. American Express and Diners Club require a membership to apply for a credit card for abroad.
The type of credit card chosen depends on your own needs and requirements. The Classic credit card offers all the basic functions, while a Gold credit card can come with additional extras for travel and stays abroad, as well as bonus and discount systems. Platinum and luxury credit cards are also available. In this context, the company credit card for field staff should also be mentioned.
The question often arises among travelers: Credit card or ec card? It can be said that a credit card is much safer and more reliable than an ec-card. It depends, however, on the acceptance of the own ec-card in the worldwide foreign country. If you don't want to buy a credit card especially for your vacation, you should check with your bank beforehand to see if your ec-card can be used in the destination country. For travel and stays abroad outside the European Union, credit cards are highly recommended.
Credit card for abroad without basic fee
Today's credit cards are affordable for everyone, thanks in part to the Internet. Direct banks have led the way: the annual fee for credit cards is waived permanently for many offers, or at least for the first year. If you really want to save money and can do without additional services or extras, you can opt for a free credit card, e.g., a credit card with a foreign currency fee.B. from Visa or Mastercard. In the case of a credit card for abroad in versions such as Gold, Platinum, Black Card, a basic fee is justified due to the included features.
Withdraw money abroad free of charge
A credit card for abroad has special advantages for the travel fund, because the travel fund, if at all, only needs to be stocked with a certain basic amount of cash in the local currency or for exchange. Generally, the exchange rate in the destination country is more favorable and therefore it is advisable to use the credit card to obtain cash at ATMs abroad. This saves ways, effort and time and is also free with the right credit card for abroad. The cash fees should therefore be examined more closely in a credit card comparison. These can be made up of various items, as ATM operators can also charge fees. The foreign transaction fee (foreign currency fee) may be charged in addition in countries outside the euro zone. Ideal credit cards are those that allow free cash withdrawals worldwide and do not charge a foreign transaction fee.
Withdraw cash worldwide free of charge with the credit card for abroad is possible, for example, with the free DKB Visa Card, which can be applied for together with the free current account DKB-Cash. For students there is an exclusive credit card version, which also functions as an international student card and offers many interesting benefits for this target group. The Visa credit card from comdirect can also be used for free cash withdrawals worldwide. The Mastercard without a basic fee and for cash withdrawals without fees is offered by number26 and norisbank. A credit card comparison is also worthwhile here, because the totality of all conditions determines the best credit card for abroad.
Paying abroad free of charge
As a cashless means of payment, the credit card provides valuable services abroad, because worries about cash replenishment remain outside. The foreign use fee, which can arise in particular in countries outside the euro zone, is not left out. A percentage of the amount paid with credit card is applied. Depending on the card offer, this can range between 1% and 3%. However, there are also banks that waive the foreign transaction fee. The Mastercard credit card, which is available free of charge at number26, is a great choice here.
Which currency?
In countries of the European Union, which have the Euro as national currency, this question does not arise. However, if the trip is to America, Australia or other countries with foreign currency, fees may well apply. If you want to pay with your credit card abroad, you will be asked in which currency you want to be charged. Also at the ATMs often a choice exists. It is advisable to choose the respective local currency for cash withdrawals at ATMs as well as for cashless payments with the credit card for abroad, also to avoid foreign currency fees. Conversion takes place at the exchange rate accurate to the day.
Credit cards with international insurance
Credit cards with international insurance are multifaceted and, depending on the services offered, can also be combined. Foreign health insurance, travel insurance of various kinds, rental car insurance are examples. The cardholder decides whether such an insurance makes sense according to his personal needs. These extras usually have an increasing effect on the basic fee, which is why a comparison with other insurance providers is advisable.
Use your credit card abroad free of charge
In order to be able to use the credit card as free as possible abroad, not only the optimal conditions such as worldwide free cash withdrawals and an omission of the fee for the foreign use are important, also the correct and thoughtful use of the credit card for abroad helps to save costs. Those who withdraw cash from ATMs should have as-needed funds, but frequent withdrawals of small amounts can quickly add up in terms of fees. Paying by credit card abroad is also advisable for higher amounts, also it should be clarified in advance whether the acceptance points demand commissions for the cashless payment.