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Best Debit Cards for International Use with Low Fees in 2025 – Majijob
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Best Debit Cards for International Use with Low Fees in 2025

Traveling abroad can be an exciting adventure, but nothing ruins a trip faster than unexpected fees eating into your budget. If you’re someone who loves to explore the world or you just need to make international transactions, having the right debit card can save you a lot of money. Many traditional banks charge hefty fees for foreign transactions, ATM withdrawals, and currency conversions. But thankfully, there are some great options out there that keep costs low while offering convenience and security.

In this article, we’ll go over some of the best debit cards for international use with low fees in 2025, so you can travel and spend without worry.

What to Look for in a Debit Card for International Use

Before we jump into our top picks, let’s talk about what makes a debit card good for international travel. Here are a few key things to consider:

  • Low or No Foreign Transaction Fees – Many banks charge around 3% on every foreign purchase, which adds up fast. The best cards don’t have this fee.
  • No or Low ATM Fees – Withdrawing cash abroad can come with expensive ATM fees from both your bank and the ATM provider. Some cards reimburse these fees.
  • Competitive Exchange Rates – Some banks sneak in extra costs by offering poor exchange rates. Look for a card that offers rates close to the mid-market rate.
  • Strong Security Features – Traveling means a higher risk of fraud. The best cards come with fraud protection, instant freeze options, and two-factor authentication.
  • Ease of Use & Customer Support – A card should be easy to use worldwide, and in case something goes wrong, reliable customer support is a must.

With those factors in mind, let’s dive into the best debit cards for international travel in 2025.

1. Charles Schwab High-Yield Investor Checking Account

Why It’s Great:

  • No foreign transaction fees
  • Unlimited ATM fee reimbursements worldwide
  • No minimum balance or monthly fees
  • Competitive exchange rates

Charles Schwab’s High-Yield Investor Checking Account is a top choice for travelers. The biggest perk? They refund all ATM fees worldwide, meaning you can withdraw cash anywhere without worrying about fees stacking up. Plus, there’s no foreign transaction fee, so you won’t be charged extra when making purchases in another currency.

The only downside is that you’ll need to link this account with a Charles Schwab brokerage account, but there’s no requirement to use it. For international travelers who want free ATM withdrawals and low fees, this card is hard to beat.

2. Wise (formerly TransferWise) Debit Card

Why It’s Great:

  • No foreign transaction fees
  • Uses the real mid-market exchange rate
  • Low ATM withdrawal fees (up to a certain limit)
  • Available in multiple currencies

Wise is an excellent choice for those who frequently deal with multiple currencies. It offers some of the best exchange rates around because it uses the real mid-market rate with no hidden markups. The Wise debit card allows you to hold and spend in multiple currencies, making it perfect for digital nomads and frequent travelers.

The only catch? Free ATM withdrawals are capped at $100 per month (limits vary by country), after which you’ll pay a small fee. But for online transactions and everyday spending, it’s a fantastic card with transparent pricing.

3. Capital One 360 Checking Account

Why It’s Great:

  • No foreign transaction fees
  • No minimum balance or monthly fees
  • Free access to over 70,000 ATMs worldwide
  • Good fraud protection

Capital One 360 Checking is another solid option for travelers who want no foreign transaction fees. It’s easy to use, and Capital One is known for having great customer service. While it doesn’t offer unlimited ATM reimbursements like Schwab, it does provide access to a huge ATM network, which helps avoid fees.

One small downside is that if you use an out-of-network ATM abroad, you might face a fee from the ATM provider. Still, it’s a great card with no hidden costs.

4. SoFi Checking & Savings Account

Why It’s Great:

  • No foreign transaction fees
  • Reimburses some ATM fees worldwide
  • No account fees or minimums
  • Offers interest on balance

SoFi’s debit card is a newer player in the international travel scene, but it’s quickly becoming a favorite. It doesn’t charge foreign transaction fees and even reimburses ATM fees, though with some limits. An added perk is that your money earns interest, which is rare for checking accounts.

A downside is that ATM reimbursements are limited, so if you’re withdrawing cash often, Schwab might be a better pick. But for casual travelers, this card is a fantastic, fee-free option.

5. Revolut Debit Card

Why It’s Great:

  • No foreign transaction fees (up to a limit)
  • Competitive exchange rates
  • Ability to hold and spend in multiple currencies
  • Budgeting and spending insights

Revolut is a great option for international spenders, especially those who travel frequently. You can exchange and hold multiple currencies, and there’s no foreign transaction fee for spending within your plan’s limit. However, free ATM withdrawals are limited to around $200 per month on the basic plan, after which a fee applies.

One of the best things about Revolut is its budgeting features—it gives real-time insights into your spending habits, helping you manage your money better while abroad. If you travel often, upgrading to a premium plan might be worth it.

Honorable Mentions

While the five options above are the best overall, here are a few other debit cards worth considering:

  • Fidelity Cash Management Account – No foreign transaction fees and ATM reimbursements, but requires a brokerage account.
  • Chime Visa Debit Card – No foreign transaction fees, but doesn’t reimburse ATM fees.
  • Citi Priority Checking – Offers some ATM reimbursements but has balance requirements.

Final Thoughts: Which Card is Right for You?

The best debit card for international use depends on your travel habits and financial needs. Here’s a quick rundown to help you choose:

  • Frequent Travelers & ATM Users → Charles Schwab
  • Best Exchange Rates & Online Spending → Wise
  • Best Customer Support & Bank Network → Capital One 360
  • Earning Interest While Traveling → SoFi
  • Best for Digital Nomads & Budgeting → Revolut

No matter which card you choose, make sure to notify your bank before traveling, so they don’t flag your transactions as suspicious. Also, always have a backup payment method just in case!

With the right debit card in your wallet, you can enjoy your travels without stressing over unnecessary fees. Safe travels!

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