What to ask before taking credit cards overseas
Does my card help book travel plans?
Have you always wanted your own personal assistant? Well, ring the butler bell because your credit card might have just that. A credit card's concierge service can be a powerful planning tool when you're on a trip.
They may help find you a cheap flight, get you airport lounge access or set up hotel accommodations. Some have multilingual staff members or use translation services, which can be a huge advantage if a language barrier is tripping up your attempts to make hotel accommodations or reservations in a foreign country.
However, many concierge services come with a price: The American Express Platinum Card has a $450 annual fee. For a $95 annual fee, the JP Morgan Select Visa Signature card offers a concierge service that can find last-minute hotel rooms and show tickets, JP Morgan Chase spokesman Rob Tacey says. It can even locate and buy artwork after you've left the gallery.
Looking for a no-fee option? Check out the Citi Diamond Preferred card.