Capital One
capitalone.com › help center › checking & savings › traveling with debit card
Traveling with your debit card | Capital One Help Center
In North America and the Caribbean, look for ATMs displaying the Discover or PULSE® acceptance marks. Outside of North America and the Caribbean, look for ATMs with the Discover or Diners Club International acceptance mark. ... Look for the MasterCard® logo at merchants.
Reddit
reddit.com › r/creditcards › capital one is terrible for international travel
r/CreditCards on Reddit: Capital One is TERRIBLE for International Travel
January 21, 2022 -
Don't be deceived by their marketing - Capital One is NOT a good card for international travelers. Yes they have no foreign transaction fees, but that doesn't do you any good if your card doesn't work.
Background: I work from home and typically spend 5-7 months abroad every year. I have a cheap US cell plan for when I'm in the US, but when traveling abroad, I use a cheap foreign SIM/plan. Big savings on cell service without the need for expensive international plans or roaming.
The problem: Capital One Mastercard is a fine card when using the physical card - it will work anywhere MasterCard is accepted. However, if you ever try to use the card on a website where you manually type in your 16 digit card number, expiration and CVV code - it generates a pop-up from MasterCard that wants to send you a OTC (One Time Code) as a text message to your US number. But what if you're not using your US number at the time? You have no way to receive the code. It doesn't give you any other option to receive the code. Not email, not a different international number, not an authenticator app like Google/Microsoft Authenticator. You're basically screwed. And don't bother trying to call customer service - there is NOTHING they can do. Its MasterCards Fault they'll tell you. Out of our control. Yet if you try to call MasterCard - "Sorry we're just the transaction processor, contact your card company." Circular finger pointing with you left screwed over.
I know this may be a small issue for people who keep their US number when outside US, but for travelers like me its a deal breaker.
Buyer Beware.
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I could be missing some thing, but it seems you think an entire card company is terrible based on the highly specific scenario where someone who resides in the US and has a US number travels outside the US but doesn’t bring their cell phone or have access to their US number and didnt update their contact/verification info with their card company even though its entirely predictable they’ll want to verify its you if you make a purchase abroad?
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Wouldn't a free Google Voice or similar number fix this problem? Something accessible from both phones.
Capital One
capitalone.com › help center › contact us › traveling with your card
Traveling with your card | Capital One Help Center
Are there foreign transaction fees for using my credit card abroad? No, there are no foreign transaction fees when making purchases outside the United States. What if I need to contact Capital One while abroad? If you have an international phone plan, give us a call from anywhere, anytime with ...
Capital One
capitalone.com › learn & grow › money management › using a credit card abroad
Tips for Using a Credit Card Internationally | Capital One
If your card uses a PIN, make sure you know it before traveling abroad. Keep in mind that some card issuers might use chip-and-signature technology instead. Packing a credit card for an international trip can be helpful. You may also want to consider bringing cash, a debit card and other credit cards as backups.
Capital One
capitalone.com › learn & grow › money management › paying for things in europe
What Payment Types Should I Use in Europe? | Capital One
Like some credit cards, some debit cards may come with foreign transaction fees, currency conversion fees and ATM fees when you use them abroad. Capital One does not charge additional fees for foreign transactions. View important rates and ...
Capital One
capitalone.com › learn & grow › money management › foreign transaction fees
Foreign Transaction Fees Defined & Explained | Capital One
The fee might also apply to a debit card or prepaid travel card transaction. Foreign transaction fee charges are generally 1%-3% of the transaction. Capital One doesn’t charge foreign transaction fees.
Capital One
capitalone.com › learn & grow › money management › no foreign transaction fees
Does Capital One Have Foreign Transaction Fees? | Capital One
A foreign transaction fee is a charge that may be added to a credit card, debit card or prepaid card transaction that’s made abroad. The fee is usually about 1%-3% of the transaction amount after it’s converted to U.S. dollars. These fees can add up fast, especially if you’re making large international purchases or you’re on an extended trip abroad.
Reddit
reddit.com › r/capitalone_ › how do you use your card internationally?
r/CapitalOne_ on Reddit: How do you use your card internationally?
March 23, 2025 -
So pretty much the title and probably a dumb question. The capital one website says I can use my savor card with no issue internationally with no foreign transaction fees. So if I'm traveling through Qatar and I want food at the airport I can just swipe my card as normal and it just charges automatically in local currency? Or does it convert into dollars or something?
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There are no foreign transaction fees with capital one, which is great. You’ll get a notification of the charge amount first in the local currency, and then you’ll get a notification of the dollar amount, that is what will hit your account. Some places will ask to charge you to convert into your home currency, never do that, instead, pay in the local currency using your cap one cards.
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Charge everything in the local currency and Mastercard will do the conversion to USD without any fees. You’ll be charged more or less the USD equivalent that you see on Google, give or take a few dollars. Neither Mastercard nor Capital One will charge for the service. When travelling, merchants may ask you if you want them to convert the currency to USD and bill you in USD. Decline this service because they jack up the exchange rate in their favour so they can profit off you some more. Just pay in the local currency and let Mastercard convert the currency at a much more favourable rate. The USD amount will appear on your statement and online banking but you can call customer service to confirm the original currency and amount for any transaction if you need to for any reason.
Rick Steves Travel Forum
community.ricksteves.com › travel-forum › budget-tips › capital-one-debit-card-issues
Capital one debit card issues - Rick Steves Travel Forum
We also have a Capital One Mastercard debit card that’s tied to a checking account (used for international travel only). We’ve haven’t had any problems using it in ATM machines in various European countries (no declines, no surprising fees, etc). Haven’t ever used it to make a purchase ...
Reddit
reddit.com › r/capitalone › rip international debit card use. capital one officially migrates its debit cards
r/CapitalOne on Reddit: Rip International Debit card use. Capital One Officially migrates its debit cards
August 26, 2025 - As someone who has only been in the states for a couple months this year, I will need to find a new bank for my debit card until wider adoption
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Discover has partnership with some other global debit networks. Still not as good as Visa and Mastercard, but it's not terrible. I think Capital One will be investing a lot of money to expand Discovers international acceptance.
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NEVER EVER use a debit card for purchases. They should ONLY be used for cash withdrawls at ATMs. You should ALWAYS be using a credit card for purchases, whether at home or abroad. With that being said, Charles Schwab bank is your friend. You can use any ATM in the world with no fees.
Wise
wise.com › us › blog › capital-one-foreign-transaction-fee
Capital One foreign transaction fee — the essential overview and tips - Wise
June 15, 2024 - Capital One®¹ doesn’t charge foreign transaction fees on its credit cards², or on spending with your Capital One 360 debit card³. However, when you’re abroad, you may still end up paying more than you’d expect thanks to the way banks work out what exchange rates to offer you.
Exiap
exiap.com › home › guides › capital one foreign transaction fees [2025 guide]
Capital One Foreign Transaction Fees [2025 Guide] - Exiap
February 28, 2025 - All Capital One credit and debit cards can be used internationally.
Currenciap
currencyshop.org › capital-one-foreign-transaction-fee
Capital One Foreign Transaction Fees Explained
July 18, 2024 - Some other banks also have select credit cards that do not have these fees.” · Yes, you can use your Capital One debit card internationally as long as you see the Mastercard logo and can redeem miles.
Capital One
capitalone.com › help center › checking & savings › international atm fees
International ATM Fees | Capital One Help Center
For 360 products (360 Checking and MONEY Checking) there are no additional fees when you use your debit card abroad (any transaction made in a foreign currency or that is classified as a cross-border transaction).
Katieaune
katieaune.com › home › why capital one isn’t so great for travelers
Why Capital One Isn't So Great for Travelers | Going Global with Katie
September 3, 2015 - After my card was rejected by several ATMs in Russia (and actually confiscated by machines in St. Petersburg and Krasnoyarsk), a Capital One representative informed me that my debit card was part of the Cirrus network, meaning it would only work in ATMs that were also part of the Cirrus network.
Capital One
capitalone.com › bank › debit-card › my-debit-card
Your new debit card | Capital One
Checking customers will still have ... One debit card on the Discover network. If you’re traveling internationally, you can use your new debit or ATM card at merchants and ATMs outside of the U.S., but acceptance may be different than before....
Curve
curve.com › blog › capital-one-foreign-transaction-fees
How to avoid all Capital One foreign transaction fees
February 27, 2025 - Can you avoid foreign transaction fees for using Capital One cards abroad? Yes, with Curve Wallet. By adding your Capital One card to your Curve Wallet, you can stop paying high fees when using your card abroad.
Yahoo! Finance
finance.yahoo.com › news › capital-one-customers-risk-not-220000867.html
Capital One Customers At Risk of Not Being Able To Use Credit Card Overseas With Discover Merger
January 3, 2025 - “Where you may run into more issues is with international travel because Discover may not be as widely accepted.” · Capital One’s CEO, Richard Fairbank, said the company has plans to move all of its debit cards and some credit cards onto Discover’s network starting in the second quarter of 2025.
Facebook
facebook.com › groups › RickStevesEurope › posts › 1814718055910476
Capital One 360 debit card switching to Discover
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Capital One
capitalone.com › learn & grow › money management › cash or card when traveling
Cash or Card When Traveling: What’s Best? | Capital One
You can pay using money you already have without carrying cash. Or you can use it to withdraw cash. Some checking accounts may charge a fee when you use your debit card at ATMs abroad. And some banks might also charge a foreign transaction fee.