As another poster noted, make sure when card was issued/activated that overseas purchases would be “unlocked”.
It’s just a matter of clicking a box to allow overseas purchases (can even do in some bank Apps).
I once had a card issued in the U.S. “locked” when trying to purchase something in Canada just across the border. Called its 1-800 # after I got back, and it was just the bank “locking” it automatically and me not knowing it beforehand.
By the way, there are many U.S. credit cards that have zero overseas F/X charges/fees for purchases. One good example is Capital One for one of their many types of cards. It does work. I charged once in Taiwan, noted the F/X rate on BoT website, and the US dollar amount on bill (as seen from App) was pin-perfect on the rate.
I’ve never had an issue with my US Visa card, tho I only use it online (Shopee), restaurants, bars, HSR, but not really convenience stores. I pay 0 fees, get reimbursed for ATM withdraws (I almost feel bad for them cause it’s like $5), and even earn 1.5% cashback still. It’s from Truist bank (fka BB&T).
Yep, all Capital One cards are fee-free as well as many of the premium cards from other issuers. They also will have much better rewards programs than local issuers. Chase and Amex have great points programs that can transfer directly to airlines at 1:1.
Pro-tip: If a place accepts Line pay you can almost always use your foreign credit card if it’s tied to your Line account.