Best travel credit card

My first choice for getting money when traveling overseas is to use a credit card with no foreign exchange transaction fees. Credit cards give me the best exchange rates, and it reduces how much cash I carry. (If a card is not accepted, my second choice is local cash issued from an ATM, using a debit card without transaction costs. I don’t bother with Travelers Checks; they are unusable these days. And traditional money exchanges have unfavorable rates.) For a credit card without foreign transaction fees, I use a Chase Sapphire Reserve which has lots of other perks, but a high annual fee. Another good option is the Capital One Venture for $60 per year, but less perks. For the current lowdown on the best travel cards and their perks see ThePointsGuy, a free blog full of travel advice. — KK

MoneyClaudia Dawson