The Ultimate Guide to Credit Cards
Wednesday, December 4, 2024

9 Best Study Abroad Credit Cards for Students (Dec. 2024)

Best Study Abroad Credit Cards
Brittney Mayer

Writer: Brittney Mayer

Brittney Mayer

Brittney Mayer, Credit Analyst

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

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Lillian Guevara-Castro

Editor: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian Guevara-Castro, Senior Editor

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.

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Ashley Fricker

Reviewer: Ashley Fricker

Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Advertiser Disclosure

Perhaps one of the most exciting opportunities open to college students is the chance to study abroad and immerse yourself in a brand new culture.

Of course, as exciting as it may be, living in a foreign place — even temporarily — comes with its own challenges, not the least of which is navigating new currencies and payment methods. Luckily, a good credit card can solve both of those problems.

The best travel credit cards can help you make purchases without worries of local currency conversions or unfamiliar cash and coins, and pricey foreign transaction fees. Let’s take a look at some of the best study abroad credit cards on the market today, including cards with no foreign transaction fees, chip & PIN cards, cards with dining rewards, and cards for those with little or no credit history.

Best “No Foreign Transaction Fee” Student Credit Cards

The very first thing to look at when considering a student credit card to use while studying abroad is whether the card charges foreign transaction fees. These fees are charged any time the banks or networks need to convert currency, and they can range from 3% to 5% of every transaction.

The simplest way to avoid foreign transaction fees is to choose a card that doesn’t charge them at all. And that’s not a hard task, given that some of the best student credit cards come without foreign transaction fees (or annual fees, for that matter).

Discover it® Student Cash Back Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.8

OVERALL RATING

4.5/5.0
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.49% - 26.49% applies.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
17.49% - 26.49% Variable APR
$0
Fair/New to Credit

If you want a little more bang for your buck, the Discover it® Student Cash Back offers quarterly rotating bonus categories that allow you to earn bonus cash back each activated quarter. This is a great way to earn more rewards at places many consumers shop frequently.

Discover it® Student Chrome Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.49% - 26.49% applies.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
17.49% - 26.49% Variable APR
$0
Fair/New to Credit

The Discover it® Student Chrome is a good option for making purchases abroad — and not just for its lack of hefty fees like some other cards carry. You’ll also earn cash back on every purchase, including at gas stations and restaurants, making it more affordable to explore your destination.

Best “Chip & PIN” Credit Cards for Those Studying Abroad in Europe

While your favorite chip-enabled credit card will work in many locations abroad, you may have the occasional hiccup, especially when trying to use unmanned terminals and kiosks in Europe. That’s because Europe uses PIN-based verification, rather than the signature verification commonly used here in the US.

To ensure you can use your card without issue while studying abroad in Europe, you can choose a PIN-capable credit card. There are a number of US credit cards that have the ability to use PIN verification, including several that charge no foreign transaction fees.

Bank of America® Travel Rewards credit card for Students Review

at Bank Of America - Credit Cards'ssecure website

STUDENT RATING

★★★★★
4.6

OVERALL RATING

4.4/5.0
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 billing cycles for purchases
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
18.49% - 28.49% Variable APR on purchases and balance transfers
$0
Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

The Bank of America® Travel Rewards credit card for Students is a PIN-enabled card with no annual fee, plus it charges no foreign transaction fees.

You can request your four-digit PIN by logging into your online Bank of America account, through the mobile app, or by calling the customer service number on the back of your Visa credit card.

STUDENT RATING

★★★★★
4.7

OVERALL RATING

4.6/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.74% - 29.74% (Variable)
$0
Average, Fair, Limited

The Capital One Quicksilver Student Cash Rewards Credit Card is one of the best travel companions an international student could hope for. You can call and request a PIN to use for purchases, it charges no foreign transaction fees, and pay flat-rate cash back on every purchase you make.

It also has several protection features to keep your account secure while abroad. One knock against this card is its high purchase APR relative to other student cards, but the APR can be avoided by paying your balance in full each month.

Best “Dining Rewards” Cards to Use Abroad

Although every destination has its own sights and attractions, few things can compare with the ability to experience new foods and drinks as we travel.

To make the most of your foodie adventures, consider taking along a credit card that offers bonus rewards for your restaurant purchases. With the right cash back or points card, you can save on every culinary curiosity and perhaps make a little extra room in the budget for a second helping.

STUDENT RATING

★★★★★
4.7

OVERALL RATING

4.6/5.0
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.74% - 29.74% (Variable)
$0
Average, Fair, Limited

The Capital One Savor Student Cash Rewards Credit Card offers generous cash back rewards on dining purchases with no foreign transaction fees to negate the rewards you earn.

If your card is lost or stolen, you can lock your card in the Capital One mobile app to prevent fraudulent purchases. And if they do occur, you’ll never be held liable for unauthorized charges.

Discover it® Student Chrome Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.49% - 26.49% applies.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
17.49% - 26.49% Variable APR
$0
Fair/New to Credit

You’ll earn cash back rewards on every purchase with this card, with an elevated cash-back rate for dining purchases, making this a great choice if you’re looking to earn while you eat.

BEST OVERALL RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • Member FDIC
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.74% - 27.74% Variable
$95
Good/Excellent

While not for the credit card novice, the Chase Sapphire Preferred® Card is a solid card for any trip abroad, offering 3X Ultimate Rewards points on dining purchases. Points can be redeemed at a solid rate for more travel to help you get out and explore.

Best “Poor/Limited Credit” Cards to Use Abroad

While it’s all well and good to look for a credit card with great rewards and low fees, the primary thing on your mind as a college student with a poor credit history may just be getting accepted.

But that may not be the challenge you fear. Many credit card issuers offer cards specifically designed to help students build their credit while offering the purchase rewards and low fees you want out of your card.

BAD CREDIT RATING

★★★★★
4.6

OVERALL RATING

4.0/5.0
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
29.99% (Variable)
$0
Limited, Bad

The Capital One Platinum Secured Credit Card doesn’t offer rewards, but you can get this card with as little as $49 down, even with bad credit. There’s no annual fee, and you can have your deposit refunded when you consistently make your monthly payment on time.

Discover it® Secured Credit Card Review

at Discover Card'ssecure website

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • No credit score required to apply. No Annual Fee.
  • Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
  • Raise your credit score by 30+ points.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% Intro APR for 6 months
27.49% Variable APR
$0
New/Rebuilding

The Discover it® Secured Credit Card is a solid choice for rebuilding or establishing your credit. You may be able to transition to an unsecured Discover card in as few as seven months. The card’s lack of an annual fee or foreign transaction fees also makes it a good addition to your study abroad supplies.

Immerse Yourself in Local Culture with the Right Card

Studying abroad is one of the greatest perks of being a college student, not only offering the chance to explore a new culture — but to get college credit for it, too.

And while immersing yourself in a foreign land can have its challenges, being prepared is more than half the battle. Taking along the right credit card, for instance, can help you avoid the hassle of local currency conversions or payment method problems.

Before traveling with your new card, be sure to contact your credit card company to make it known that you plan to travel abroad with your card. This will help prevent your foreign purchases from being flagged as fraud and your card being frozen at an inopportune time.

Also, don’t let your adventure abroad cause financial trouble when you get home. Always make all of your necessary credit card payments on time — keeping time zone differences in mind — so you aren’t welcomed by expensive late fees or, worse, credit damage, when you get back.

Additionally, be sure to keep track of your budget as you go. While you may not have to make currency conversions yourself as you pay with hard money, you should still always be aware of how much you’re spending to avoid any painful surprises when your card bill arrives and you see your total in American dollars.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.