Credit Cards You Can Count On Overseas

If you plan on traveling outside the U.S., consider getting a card with both a magnetic stripe and smart chip.

Planning a trip abroad? Prepare to dip rather than swipe your credit card. Banks in more than 60 countries -- including the major European destinations -- have switched to cards with smart chips instead of magnetic stripes.

You should still be able to use a magnetic-stripe card for restaurant meals, shopping, hotel stays and rental cars. But you may have trouble buying gas at an unattended pump or using an automatic ticket machine. Carry enough cash to make purchases where there is no ticket agent, and be sure to use an ATM card instead of a credit card to withdraw cash at a bank -- the card will work even if it doesn’t have a chip -- so you avoid extra charges associated with a cash advance.

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Senior Reporter, Kiplinger's Personal Finance