Both of them are Visa cards with no foreign transaction fees. However, I was surprised by the amount that was recently posted to my Venmo account. It was much higher than what Google showed. I know the foreign exchange rate is never as good as Google’s, but it felt closer when I was using my Venture X. Or perhaps the currency matters as well? I used Venture X for Japanese yen and Venmo for Canadian dollars.

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.

I live in the US and got my venture X card with my US mailing address. The card terms explicitly say no foreign transaction fee, but I am traveling abroad in Chile and have been charged a $0.30 - $1.50 transaction fee probably 75% of the time I buy anything here. The card usually gets declined first and then the reader says to try again with the same card, after which it asks me if I accept the fee. I have not made any online purchases in Chile. Has anyone else experienced this?

Hey everyone,
I’m moving abroad for a couple of years and will mainly be spending on groceries and day-to-day stuff (around €500/month). I won’t really be booking hotels or flights "may be once in a semester"— just regular living expenses overseas.

Capital One sent me a pre-approval offer. The options are VentureOne Rewards and Savor Rewards for Good Credit. Both have no foreign transaction fees, but I’m not sure which one actually makes more sense for mostly grocery spending outside the U.S.

From what I can tell:

• Savor gives 3 % at grocery stores, dining, entertainment, etc.

• VentureOne gives 1.25 miles per dollar (or 2 × on the full Venture) and is travel-focused.

My questions:

1. For foreign supermarket purchases, will Savor still code as “grocery” and give 3 % cash back, or is that only for U.S. stores?

2. Since both are pre-approved offers, will applying for the better version (The ones which have 20k miles or 200$) change my approval odds? Or should I just stick to the one showing as pre-approved? and also can I product change from Savor to Venture X in future if wanted to?

3. Anyone here have experience using either card mainly for daily overseas living (not travel expenses)?

Thanks in advance — trying to figure out which one is smarter to take before I head out!?

I was planning to make an online purchase from another country using my Venture X card. When I saw the converted amount in USD, it seemed a bit higher than expected based on the current exchange rate. Upon checking, I discovered that Capital One is charging a 6% currency conversion fee. I was under the impression that foreign transactions with VextureX didn’t have any fees.

Has anyone else experienced this, or am I missing something?

First negative experience with this card. Booking a large purchase to the Maldives. Rejected. Called and cleared the alert. Rejected again. Called and cleared again. Rejected while on phone with rep. Cleared again. Pictures of ID sent all three times. They had no idea why it was getting flagged. I gave up. Used my Sapphire Reserve. Instant success. Beware of trying to do large overseas purchases on Venture X. Make sure to have a backup.

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?

I just used my credit card in Europe to buy coffee. Their machine asked me if I want to pay in USD or EUR. I picked EUR. Does it matter or not? Sorry I am sleep deprived if my post does not make sense.

I live in the United States and I recently got the Capital One Savor One credit card because it has no foreign transaction fees. My question is, when I travel abroad how can I make sure I get the best/most competitive exchange rate when paying with my credit card? The thing is, when you pay for something it will usually ask if you want to pay in the local currency or if you want to pay directly in US dollars. I have no idea what I should be clicking. Does it matter which one I choose (local currency or US dollars)? Should I be choosing a different option based on the card? Any guidance on this will help a ton.

Hey everyone! I currently have a Capital One Quicksilver card, which gives me 1.5% cash back on all purchases. I’ve just been offered two upgrades: the Venture One with no annual fee, and the Venture with a $95 annual fee.

I have several trips planned in the coming months, and I'm trying to figure out if switching to one of the travel rewards cards would be more beneficial. The Venture offers 2x miles on every dollar spent and the Venture One offers 1.25x miles. Both have no foreign transaction fees, but the Venture also includes Global Entry or TSA PreCheck credit, which could be handy.

I'd love to hear your experiences or thoughts on whether the switch is worthwhile, especially from anyone who has used either of the Venture cards. How valuable do you find the rewards in practical terms? Is the $95 fee for the Venture justified by the benefits?

Thanks for helping me out with your insights!

Hey fellow Redditors!

I'm currently on the lookout for the perfect credit card to complement my Capital One Savor. The goal is to find a catch-all card for those purchases not covered by the Savor, specifically one with no foreign transaction fees and no annual fee.

I've been doing some research, but I wanted to tap into the collective wisdom of this community. Does anyone have recommendations for credit cards that fit the bill? Ideally, I'm hoping to find one that offers at least a solid 2% cash back (unlimited).

what credit cards have you found that match these criteria? Any personal experiences or insights would be greatly appreciated.

I will be moving to a country where visa is not as widely accepted, so I need to add a mastercard to my rotation. I have a capital one venture card and asked them if I could get it as a mastercard and they told me that it is random so they can't guarantee a mastercard. Only important feature I need is 0 foreign transaction fees and I am will to spend annually around $500 if there is a card that everything thinks is worth it.

Ok here goes!

PURPOSE

• What's the purpose of your next card?: We will be traveling internationally for 3 weeks in August (I know, this is a last minute realization). Our primary card gives us money to spent at REI. We love to buy outdoor equipment! But we’re well stocked and we can’t cash out our REI balance, so we don’t see a need to add to it more. So we want something that has no foreign transaction fees. We’re okay with a reasonable annual fee

CREDIT PROFILE

• Current credit cards you are the primary account holder of: Capital One REI, $14,500 limit, 2007; Chase Freedom Unlimited, $10,700, 2017

• FICO Score: 803 from Creditwise via Capital One

• Oldest credit card account age with you as primary name on the account: 17 years

• Number of personal credit cards approved for in the past 6, 12, 24 months: 0

• Annual income: $100,000+

CATEGORIES

• OK with category-specific cards?: Yes, but prefer a single card

• OK with rotating category cards?: No, I can never keep track

• Monthly dining: $1500

• Monthly groceries: $1000

• Monthly gas: $150

• Do you plan on using this card abroad for a significant length of time?: 3 weeks in August

MEMBERSHIPS & SUBSCRIPTIONS

• Member of any big bank?: Chase, Capital One

• Amazon Prime member?: No

• Verizon postpaid customer?: No

• Costco or Sam's Club member?: No

• Streaming services?: None

• Active US military?: No

• Are you open to business cards?: No