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credit cards One more money-saving tip: Never let a merchant convert your purchase into U.S. dollars. That may seem convenient, but you'll get a lousy exchange rate and still have to pay a conversion fee when that transaction is processed by your credit card

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credit cards About 90 percent of all credit cards have a foreign transaction fee, which can be as high as 3 percent," said Odysseas Papadimitriou, CEO of CardHub. "Three percent might not sound like much, but when you multiply it by the typical budget of an international trip, it can add up to a lot of money."

credit cards Chase now ha 13 cards that don't have a foreign transaction fee, including the Marriott Rewards Premier credit card, Southwest Airlines Rapid Rewards Premier card, United MileagePlus Club Visa and British Airways Visa Signature card.credit cards

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credit cards Most of these cards are designed for frequent travelers and have benefits that would suit their specific needs and wants," said Paul Hartwick, a spokesman for Chase. "Features like bonus points for travel purchases and no foreign transaction fees are especially attractive to these customers credit cards

For example, consider the Chase Sapphire Preferred card, BankAmericard Travel Rewards card and the Barclaycard Arrival Plus World Elite MasterCard.

credit cards A few card issuers—Capital One, Discover and Pentagon Federal Credit Union—do not have foreign transaction fees on any of their cards. The Capital One Quicksilver and Venture Rewards cards

credit cards America is in the process of switching to EMV cards, but there's no need to wait. See if your bank can give you a new chip-based card. Chase, Citi and Bank of America now offer a number of cards that are EMV compatible—they have both a mag strip and a chip. And as an added bonus, they don't have a foreign transaction fee. (See a list of EMV-enabled credit cards on 

credit cards Bank of America has a no-fee agreement with banks in many countries, including Australia, Canada, China, England, France, Germany, Italy and Mexico through its Global ATM Alliance, which will save you $5 per transaction. Keep in mind, there still may be a foreign transaction fee of three percent.

t's also a good idea to make sure you've paid off the balance, so you don't run out of credit while you are away credit cards

Check with your bank to find out what sort of charges you might incur if you use their card when you're away and find out what, if anything, you can do to avoid those fees credit cards