If you do a lot of travel, you'll benefit most from having at least one Visa or Mastercard credit card. These are the most widely used credit cards and will be accepted in most areas that you travel. Following Visa and Mastercard are Discover and American Express. A unique benefit of American Express is that you are able to purchase travellers' checks through them. These are insured against theft and accepted in most places.

Before you travel to a foreign country, look into your credit card's currency exchange fees. Although there are still a few cards that don't charge you a fee for using credit internationally, most do. It's important to know ahead of time what the fee is going to be.

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