Different from ordinary domestic credit cards, dual-currency credit cards refer to a credit card that can also be used outside China. It is called dual-currency card because this card usually supports RMB + non-RMB currency transactions, among which RMB + US dollar is the most common.

So, the problem is that even though the U.S. dollar is very common, not all countries use the U.S. dollar, such as the United Kingdom, Japan, and Thailand. It would be too troublesome to apply for a credit card in the corresponding currency just for a trip. But if you don't apply for it, you will be charged an additional currency conversion fee of about 1.5% when you swipe your card in these countries with non-USD currencies. It may not seem like much, but it adds up to a lot of extra expenses.

So, I personally suggest you choose the China Merchants Bank American Express Blue all-currency international credit card, which waives 0 foreign exchange fees for all foreign currency purchases around the world. In addition, the benefits of this card are not bad. It comes with high-value travel insurance, cash rebates for overseas shopping, cash rebates for overseas purchases, etc., which can help you earn more when traveling.