Forex markup + international lounges + travel insurance + global network acceptance.
270 cards ranked | Updated February 2026
Markup percentage
Global lounge access
Travel protection
Global network
2.00% forex
2.00% forex
3.50% forex
3.50% forex
2.00% forex
2.00% forex
3.50% forex
2.00% forex
2.00% forex
0.99% forex
2.00% forex
2.00% forex
2.00% forex
2.00% forex
2.00% forex
2.00% forex
2.00% forex
1.99% forex
2.00% forex
1.99% forex
3.50% forex
3.50% forex
2.00% forex
2.00% forex
2.00% forex
3.50% forex
3.50% forex
3.50% forex
3.50% forex
3.50% forex
3.50% forex
3.50% forex
3.50% forex
3.50% forex
3.50% forex
3.50% forex
2.00% forex
3.50% forex
3.50% forex
3.50% forex
3.50% forex
3.50% forex
1.99% forex
1.99% forex
3.50% forex
3.50% forex
3.50% forex
3.50% forex
International cards combine low forex markup, global lounge access, travel insurance, and worldwide acceptance. Essential for anyone who travels abroad or shops from international websites.
Both are widely accepted globally. Visa has slightly more acceptance points, but the difference is minimal. Either works well for most international travel.
For international spending, the combination of low forex, global lounges, and travel insurance makes dedicated international cards highly valuable. The savings and benefits easily justify premium fees for frequent travelers.
