8 Reasons Why You Should Use Credit Cards for International Travel

Traveling abroad is exciting, but it also comes with critical financial decisions. From managing currency exchange to protecting your funds on the go, how you choose to pay can significantly impact your overall experience.

It’s still a good idea to carry some local cash, but if you want something safer and more convenient, international credit cards are your best bet.

In this guide, we’ll walk you through the key reasons why choosing the best credit card to use abroad is your smartest move—and how RCBC Visa Credit Cards can help make every trip smoother, safer, and more rewarding.

8 Reasons Why It’s Best to Use a Credit Card Abroad

Your travel experience often depends on how well you manage your budget. That’s why many travelers use credit cards. They’re flexible, reliable, and steps in when cash runs out or isn’t accepted. Here’s why using one abroad just makes sense.

1. More value in every peso
   
   Credit cards typically follow real-time exchange rates from global networks, which are often better than what you’d get from airport kiosks or money changers. That means you’re getting fair value for your money without shopping around or constantly calculating.
2. No foreign transaction fees
   
   Most banks charge when you use your card abroad but with RCBC Visa Credit Cards Zero Forex promo; the ZERO FX feature —The forex conversion fees will be credited back as cash rebate of up to Php10,000. That’s real savings you can use for better meals, hotel bookings, lounge access, or even another trip. Every peso saved can give you better travel experiences.
3. Comprehensive security and emergency support
   
   Most modern credit cards have EMV chip technology, fraud monitoring features, and real-time SMS alerts that notify you of any suspicious activity. If something unusual happens, you can quickly lock and replace your card. Plus, with 24/7 global assistance and emergency card replacement services, help is just a call away—whether you’ve lost your card or luggage or encountered other travel emergencies.
4. Global acceptance
   
   The best credit card for international travel combines real-time exchange rates with zero foreign transaction fees, so you get more value with every swipe. With your RCBC Visa Credit Card, you don’t need to exchange money or carry large amounts of cash.
   
   Millions of merchants worldwide accept credit cards, with select hotel check-ins, car rentals, or activity bookings requiring them. This integration means faster checkouts, fewer currency hassles, and more time to enjoy the moment—not stand in line at money changers.
5. Track your spending and earn rewards
   
   Purchases on your credit card earn points, rebates, or miles that you can redeem for travel, lifestyle, or shopping perks. At the same time, the RCBC Pulz app enables you to do the following:

• Monitor your spending in real-time
• Set purchase limits
• Receive alerts
• Avoid unexpected charges at billing time

These features help you stay on budget while getting rewards for every peso spent. Start maximizing your rewards—apply for an RCBC Visa Infinite Card and earn 5× Rewards Points on all overseas in-store and online purchases, or choose the Visa Platinum Card to get 1 Preferred Airmile for every ₱25 spent abroad, plus exclusive travel and lifestyle perks with every swipe.

6. Insurance coverage
   
   Some credit cards have built-in travel insurance that cover canceled trips, lost luggage, or medical emergencies. This extra layer of protection helps cushion unexpected travel costs, allowing you to keep moving forward with confidence.
   
   For instance, the insurance can cover some of the costs that come with flight cancelations. This way, you have less to worry about and more space to enjoy the journey.
   
   With the RCBC Credit Visa Platinum Card, you get complimentary travel insurance coverage of up to ₱5 million, including protection for trip cancellations, delays, medical emergencies, and more. Simply charge your travel fares to your card and register your trip to activate coverage. It even extends to your spouse and children.
   
   The RCBC Visa Infinite Card also offers comprehensive travel insurance, along with 5× Rewards Points on overseas spending. Both cards include 24/7 Visa Concierge service to help with travel bookings, dining reservations, and personal assistance. Apply today and travel with confidence and premium support wherever you go.
7. Freedom to say yes to new experiences
   
   Sometimes, the best travel moments are the unplanned ones—whether it’s exploring a local market, catching a last-minute show, or trying a spontaneous food tour. A credit card helps you make the most of these experiences and go home with lasting memories.
8. Build credit while you travel
   
   Using your credit card abroad lets you travel more and build a good credit score. Responsible card use shows lenders that you’re reliable, giving them the confidence to lend you money or offer other financial products and services in the future. A good credit history can generally help you achieve your larger financial goals.
   
   Travel with confidence and sophistication with the RCBC Visa Infinite and Visa Platinum Cards. Enjoy complimentary travel insurance, purchase protection, and 24/7 Visa Concierge service for seamless assistance with bookings, reservations, and unexpected needs. Plus, earn elevated rewards on all your overseas spending.
   
   Apply today and experience premium travel and financial freedom wherever your journey takes you.

Jet, Set, Swipe

Traveling may mean ticking destinations off a list, but it’s also about saying yes to the unexpected, the unforgettable, and the once-in-a-lifetime. But behind every smooth trip is a series of wise choices, especially when it comes to your finances. The best international credit card helps you pay for purchases abroad and empowers you to move through the world with confidence.

Your RCBC Visa Credit Card with ZERO FX feature is designed for moments like these: when you want to spend smart, stay secure, and make room for the spontaneous. The less you worry about hidden fees and budget stress, the more you can focus on what truly matters—living the journey you imagined.

Don’t just plan the perfect trip—power it. Apply for an RCBC Visa Credit Card with ZERO FX today and make every swipe a step closer to smarter, worry-free travel.