Best cards with no foreign transaction fees of July 2024

Danyal Ahmed

If you’re traveling abroad, don’t forget to double-check that you’ve got a no-foreign-transaction-fee credit card in your wallet. These cards are excellent for frequent and occasional travelers alike since fees are one less thing you have to worry about every time you make a purchase.

Plus, there are plenty of great credit card options that waive these fees and earn rewards like cash back, points and miles you can use in the future. Some even carry no annual fee. To help you narrow down your choices and find the card that suits you best, check out this roundup of some top cards from our partners with no foreign transaction fees, picked by TPG’s expert editorial team.

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Comparing the best credit cards with no foreign transaction fees, more details on the best cards with no foreign transaction fees, what is a foreign transaction fee.

  • Chase Sapphire Preferred® Card : Best for total value
  • Capital One SavorOne Cash Rewards Credit Card : Best for entertainment spending
  • American Express® Gold Card : Best for dining at restaurants
  • Ink Business Preferred® Credit Card : Best for bonus earning
  • The Platinum Card® from American Express : Best for luxury perks
  • Capital One Venture Rewards Credit Card : Best for flat-rate earning
  • Bank of America® Premium Rewards® credit card : Best for Bank of America customers
  • Chase Sapphire Reserve® : Best for travel

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full  review of the Chase Sapphire Preferred Card .

  • Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.
  • You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
  • The card comes with a $95 annual fee
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

The Capital One SavorOne is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full  review of the Capital One SavorOne Cash Rewards Credit Card .

  • Earning 3% back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®) is a great return for a no-annual-fee credit card
  • This card is great for beginners.
  • The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (19.99% - 29.99% variable APR after, there's a 3% balance transfer fee for the first 15 months or 4% at the promotional APR offered at any other time).
  • If you spend a lot on dining and entertainment each year, there are cards that provide better value with higher rewards potential.
  • The sign-up bonus isn’t anything to write home about (though it is easy to earn).
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee

American Express® Gold Card

American Express® Gold Card

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar on global dining and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining credit at  Grubhub, The Cheesecake Factory, Goldbelly ,  Wine.com, Milk Bar and select Shake Shack locations. Enrollment required., plus it added an up to $120 annually ($10 per month in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S.) All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full  review of the American Express Gold Card .

  • 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar)
  • 3 points per dollar on flights booked directly with the airline or on amextravel.com
  • Welcome bonus of 60,000 points after spending $6,000 in the first six months of card membership.
  • Weak on travel and everyday spending bonus categories
  • Not as effective for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

The Ink Business Preferred Credit Card's sign-up bonus is the best-ever offer for the card. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred Credit Card .

  • Best-ever offer — 120,000 bonus points after $8,000 worth of spend in the first three months after card opening.
  • Access to the Chase Ultimate Rewards portal for points redemption.
  • Reasonable $95 annual fee.
  • Bonus categories that are most relevant to business owners; primary car insurance.
  • Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement.
  • High spending needed to get 120,000-point sign-up bonus.
  • No travel perks.
  • Subject to Chase's 5/24 rule on card applications.
  • Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

The Platinum Card® from American Express

The Platinum Card® from American Express

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Read our full  review of the Platinum Card from American Express .

  • The current welcome offer on this card is quite lucrative. TPG values it at $1,600.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least $500 in assorted annual statement credits and so much more (enrollment required)
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway
  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories
  • The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • See Rates & Fees

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives. Read our full  review of the Capital One Venture Rewards Credit Card .

  • This flexible rewards card delivers a solid sign-up bonus of 75,000 miles, valued by TPG at $1,388.
  • You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories.
  • Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners.
  • Transfer ratios to a couple of partners are mediocre at less than 1:1 ratio
  • Capital One airline partners do not include any large U.S. airlines
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Bank of America® Premium Rewards® credit card

Bank of America® Premium Rewards® credit card

The Bank of America Premium Rewards card is great for using the points earned for rewards that normal airline miles or credit card points can’t cover. Bank of America Preferred Rewards® members get a 25%-75% rewards bonus on every purchase. New cardmembers earn a 60,000-point sign-up bonus after spending $4,000 in the first 90 days of account opening. Read our full  review of the Bank of American Premium Rewards card .

  • This card is more valuable for Bank of America Preferred Rewards® members, who can get between a 25% and 75% bonus on points earned
  • Comes with up to $100 in airline incidental statement credits annually and up to $100 Global Entry/TSA PreCheck® statement credit and travel protections
  • Can transfer points earned into a 529 college fund
  • Other cards offer higher points for key bonus categories
  • Must open a Bank of America account to get the best value for points
  • Low $95 annual fee.
  • Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
  • No foreign transaction fees.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Chase Sapphire Reserve®

Chase Sapphire Reserve®

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, generous points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full  review of the Chase Sapphire Reserve .

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Travel hotel and airline travel partners
  • 10 points per dollar on hotels and car rentals through Chase Travel, 10 points per dollar on dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through Chase Travel, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
  • 50% more value when you redeem your points for travel directly through Chase Travel
  • Steep initial $550 annual fee
  • May not make sense for people that don't travel frequently
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

The Chase Sapphire Preferred Card is well known within the world of travel rewards credit cards. The card offers a strong return on travel and dining purchases, an annual hotel credit and amazing travel protections — all for a low annual fee. Points can be redeemed for 1.25 cents each toward travel booked through Chase and can gain even more value when transferred to one of Chase’s airline and hotel partners.

The card is an excellent choice for those looking to earn on dining and travel at solid rates with the option of redeeming points for travel with one of Chase’s transfer partners. Card members will enjoy travel protections to help ensure their journeys go smoothly.

“The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it's hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you're new to points and miles or an expert.” — Madison Blancaflor , senior content operations editor

The Capital One Venture Rewards Credit Card is a great alternative. It is known for its impeccable earning hotels and rental cars booked through Capital One Travel and solid flat earning rate on everyday purchases, plus a strong welcome bonus. 

The Capital One SavorOne is a cash-back card and a great addition to a beginner’s wallet. The card offers a solid rewards structure and no annual fee (see rates and fees ). The bonus categories of dining, entertainment and groceries are easy to maximize, and it’s very rare for a card to have all three high-value bonus categories.

Individuals who don’t want to pay an annual fee but still want to earn cash back by simply using their card in the bonus-earning categories. 

The card is easy to use since it doesn’t require activating quarterly bonus-earning categories, streamlining the rewards-earning process for cardholders.

The Chase Freedom Unlimited® is a great choice for those looking for a simpler cash-back credit card with no annual fee. Cardholders earn 1.5% unlimited cash back on all purchases, which is great if you have expenses that fall outside of the SavorOne's bonus categories.

This card not only has an appealing metal design but also delivers substantial benefits. Cardholders earn bonus Membership Rewards points on worldwide dining and U.S. supermarket purchases while receiving benefits like an annual dining credit, Uber Cash credits and more (enrollment required for select benefits).

The Amex Gold is a great card for those looking to redeem points for travel by transferring points to airline and hotel partners. The card earns on dining globally, so cardholders who travel often should use this card to continue earning points worldwide. 

“There's no better card for groceries and dining than the Amex Gold. I earn 4 points per dollar in both of these categories, and with additional perks like a monthly Uber credit and the ability to transfer my Membership Rewards points to valuable airline partners, the card is a mainstay in my wallet.” — Nick Ewen , director of content

The Chase Sapphire Preferred® Card has a low annual fee while offering bonus rewards on dining and travel and maintaining a great list of transfer partners that can help maximize your return on points earned. 

The Ink Business Preferred Credit Card’s sign-up bonus is incredibly high and something to consider when looking to open this card. The card earns bonus points across four categories (travel, shipping, advertising and telecommunication providers), which are some of the most popular for businesses. In addition, the card provides travel and shopping protections, including primary coverage for car rentals and purchase protection. 

Business owners who spend within the card’s bonus-earning categories would benefit most from this card, especially business travelers. If you already have another Chase credit card, you can also easily combine your points to maximize value and redemption opportunities. 

“I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I've found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance.” — Katie Genter , senior writer

The Capital One Spark Miles for Business offers cardholders a flat rewards rate on all purchases, which may be useful for those who cannot utilize the Ink Business Preferred’s bonus categories.

The Amex Platinum comes with unmatched travel perks and benefits. For those looking for lounge access, hotel elite status, annual statement credits and other benefits meant to elevate your travel and lifestyle experiences, this card is well worth the high annual fee.

The Amex Platinum is perfect for frequent travelers who like to enjoy the more luxurious aspects of travel. Benefits include statement credits tailored toward flights and hotels, in addition to lifestyle-based credits for gym membership and streaming services. 

“Whilst this card has a high annual fee, it more than justifies itself for frequent travelers like me. The lounge access options that come with the Platinum are unrivaled by competitors. I put all of my flights — whether bought with cash or points — on this card to earn 5 points per dollar spent and trip protection insurance. I make sure to take full advantage of the Uber, Saks Fifth Avenue, Hulu/Disney+ and Clear Plus credits (enrollment required for select benefits). And, honestly, pulling a Platinum card out of your wallet to pay for something does feel pretty fancy.” — Matt Moffitt , senior credit cards editor

The Capital One Venture X Rewards Credit Card has a more affordable annual fee (see rates and fees ) while still offering perks that rival those of the Amex Platinum. Additionally, you’ll earn bonus rewards on purchases outside of just travel, which can be helpful if you’re hoping to apply rewards from everyday spending toward your travel experiences. 

Simplicity, strong earning potential and a low annual fee are all strengths that come to mind for this card. Travelers will enjoy earning bonus rewards on all purchases without having to memorize bonus categories, instead focusing on redeeming rewards, such as transferring miles to one of Capital One’s partners. 

Travelers interested in earning rewards in a simplified manner, especially toward travel redemptions. Rewards earned are versatile as they can be redeemed for eligible travel purchases as a statement credit or transferred to Capital One travel partners. 

“The Capital One Venture is a great card that can add value to pretty much anyone's wallet. I use it to earn 2 miles per dollar on the purchases that fall outside of my other cards' bonus categories. The annual fee is low, Capital One miles are easy to redeem and the card does come with a few nice perks — including TSA PreCheck/Global Entry application fee reimbursement.” — Madison Blancaflor , senior content operations editor

The Chase Sapphire Preferred® Card is an excellent card for those who would prefer to stay within the Chase Ultimate Rewards ecosystem. You’ll still earn generously across travel, dining and select streaming services.

The Bank of America Premium Rewards credit card generously offers 2 points per dollar on travel and dining, while giving cardholders 1.5 points per dollar on all other purchases, a higher bonus-earning potential than other travel cards. Flexible redemption options and the ability for Bank of America Preferred Rewards® members to get a 25%-75% rewards bonus on every purchase make the card even more outstanding. 

Individuals who currently have a Bank of America account and want a stress-free card that offers simplicity. For semifrequent travelers, this card offers solid benefits such as an annual airline incidental credit, comprehensive travel protection insurance and unique redemption options such as transferring points into a 529 college fund.

The card offers benefits and a variety of redemption options to suit almost any individual. Strong earning potential in broad categories such as travel and dining make this an excellent choice for a card with a low annual fee. 

The Bank of America® Travel Rewards credit card is a strong contender for those looking for a BofA card tailored more toward travel with no annual fee and no foreign transaction fees. 

The Chase Sapphire Reserve is a top premium travel card among TPG staffers and many travel aficionados. Offering a generous travel credit and bonus earnings on dining and travel purchases, this card is an easy way to build up your points balance for your next adventure. With such excellent benefits offered, the annual fee on the card is easy to justify for many travelers. 

The card is best for those who spend a lot on travel and dining. If you travel often, this card is also a must-have for its travel protections, statement credits and lounge access. 

“I've had the Sapphire Reserve for years, and it's going to stay in my wallet for the near future. I get $300 off travel every year, along with great earning rates on travel and dining (3 points per dollar) and varied travel protections that can reimburse me when things go wrong. And by leveraging other cards in the Ultimate Rewards ecosystem, I'm able to maximize the earnings across all of my purchases.” — Nick Ewen , director of content

The Platinum Card® from American Express provides additional travel and lifestyle benefits over the Chase Sapphire Reserve and is aimed toward travelers looking to upgrade their travel experiences with perks such as lounge access, automatic elite status and more.

A foreign transaction fee is charged by your card issuer every time you swipe your card outside of the U.S. When you buy something abroad or on a non-U.S website, the cost of the purchase will likely need to be converted into U.S. dollars. This comes at a cost, which the foreign bank then passes onto the issuer, which then passes that fee onto you, the consumer.

Top credit card issuers' foreign transaction fees

While a few issuers don’t charge foreign transaction fees across any of their cards, others offer a mix of cards with foreign transaction fees and without. Here is a rundown of the standard transaction fees charged by the major U.S. credit card issuers for the cards that do have these fees. 

How to avoid foreign transaction fees

The best way to avoid foreign transaction fees is to travel with a card that doesn’t charge those fees. When applying for a card, you can check the terms and conditions for a rate table that should list any fees that the card will incur — including foreign transaction fees. 

When shopping online with retailers or travel companies based outside of the U.S. it’s also good practice to use a card that doesn’t charge these fees. Even though you may be pressing the purchase button while in the U.S., if the store or brand you’re shopping with is based abroad, that purchase may still be considered a foreign transaction, which would incur the fee.

Be especially diligent about which card you use when booking travel at hotels abroad. While Hilton and Marriott are both U.S.-based companies, many of the individual hotels within those brands are locally owned and operated and could charge a foreign transaction fee for bookings when you don’t use the right credit card.  

How we rate cards

Maximizing credit cards with no foreign transaction fees, enjoy multicountry trips with ease.

Jumping from country to country within different regions of the world has its complications in terms of money due to varying currencies. When a credit card charges a foreign transaction fee, it can often outweigh the potential benefits of earning rewards on those purchases abroad. However, you can travel knowing that wherever you go, you don’t have to worry about pesky foreign transaction fees charged by banks when swiping one of TPG’s best cards with no foreign transaction fees.

Check category spending restrictions

When a credit card does not charge a foreign transaction fee, you want to make sure that your travel card is earning bonus points during your travels. For example, the American Express® Gold Card earns 4 points per dollar at U.S. supermarkets only, so your supermarket purchases abroad will not earn bonus points. It’s always a good idea to check if cards in your wallet have any restrictions on earning bonus points, especially if you plan on earning those points overseas. 

Beware of dynamic currency conversion

Even if you have a card that waives foreign transaction fees, you’ll want to watch out for dynamic currency conversion . This is when a merchant in a foreign country offers to charge you in your home currency rather than the local one. For example, a shop in London might ask if you want to be charged in British pounds instead of U.S. dollars. While it may seem like a nice option, it will almost always cost you. In fact, some TPG staffers have data points with conversion rates that would’ve added more than 7% to the purchase price!

Stick to the local currency, since your card issuer will convert the transaction at the spot rate at the time of the transaction.

How to choose the best no foreign transaction fee card

  • 1 Annual fee An annual fee card may be well worth it if the card features benefits that are worth more than the card’s annual fee. Depending on your travel lifestyle, it might be beneficial to consider a card with an annual fee.
  • 2 Welcome bonus Welcome bonuses are an important part of determining a card’s value. It is often significantly more difficult to earn as many points as a card’s welcome bonus through regular spending alone. Generally, the higher the welcome bonus is, the higher the required spend will be so make sure you can earn your card’s welcome bonus through your normal spending habits.
  • 3 Bonus categories Cards on this list feature a variety of bonus categories. Choosing a card with elevated earning rates on your regular spending categories is the best way to get the most out of your card. You want to choose a card that best benefits you and your earning strategy.

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Ask our experts

What’s your favorite credit card with no foreign transaction fee — and why.

Brian Kelly

Pros and cons of cards that waive foreign transaction fees

  • When traveling outside the U.S., cards that waive foreign transaction fees can save you up to 5% on every purchase.
  • These credit cards offer valuable rewards on your purchases — both inside and outside the U.S.
  • Responsibly using a card with no foreign transaction fees can improve your credit score.
  • Some cards that waive foreign transaction fees include many other valuable perks — including lounge access or statement credits for select purchases.
  • If you spend beyond your means, you can harm your credit score and rack up interest charges that far outweigh the savings you get from not paying foreign transaction fees.
  • Many cards that waive foreign transaction fees come with an annual fee — in some cases nearly $700.
  • If you never leave the U.S. on a trip, you won’t benefit from a card with no foreign transaction fees.

Frequently asked questions

These fees are charged by some card issuers every time you swipe your card outside of the U.S.

When you buy something abroad or on a non-U.S. website, the cost of the purchase will likely need to be converted into U.S. dollars. A foreign transaction fee is generally charged to mitigate the financial risks of the ever-changing foreign exchange market. Once the purchase is converted into U.S. dollars, then a foreign transaction fee is charged.

Foreign transaction fees vary for each issuer but are generally anywhere between 2% and 5%. Given that most bonus rewards categories fall into the same earning percentage, a foreign transaction fee on purchases can easily completely offset any value you’d be getting from your credit card’s rewards structure. 

You don’t have to be in another country to rack up a foreign transaction fee. If you make a payment online with a brand that isn’t based in the U.S., you might still be charged a foreign transaction fee, even if you were in the U.S. when you made the purchase. 

This can happen when you are buying from a company that is not based in the U.S., but it also happens when booking hotels abroad . Most properties within major hotel brand portfolios like Hilton or Marriott are individually owned and managed, but reservations are facilitated through a brandwide website. 

This means that while your reservation may be made on a U.S. website and you may pay in U.S. dollars, the room charges may be processed by the hotel itself through a non-U.S. bank. It’s generally hard to tell in these cases whether you’ll be charged a foreign transaction fee until after the payment is already processed. So it’s a best practice to use a card with no foreign transaction fees just in case.

If foreign transaction fees are charged on purchases made for business purposes then the fees are tax deductible, but all foreign transaction fees for personal expenses are not tax deductible. 

Foreign transaction fees are not refundable. The best way to avoid incurring these fees is to use a card that doesn’t charge a foreign transaction fee to begin with (or to use cash while abroad, but then you’ll miss out on the potential to earn rewards). 

However, there are some cards that will refund you for foreign ATM fees when traveling abroad. ATM fees are not the same thing as foreign transaction fees — ATM fees are charged by a bank when using an ATM that is not affiliated with your bank — but are an example of fees you may be charged while traveling abroad. A Schwab Bank Investor Checking account from Charles Schwab comes with a debit card that will refund any fees incurred from using ATMs while abroad. 

When applying for a new card or evaluating an existing card, look at your cardholder agreement and rates and fees page, which will highlight if the card charges foreign transaction fees or not.

There are U.S. credit card issuers that never charge foreign transaction fees, regardless of which credit card you have — most notably Capital One and Discover . 

However, even the credit card issuers who do charge foreign transaction fees across some of their cards almost always offer at least a few credit cards within their lineup that don’t charge these fees — many of which are included in this list. These cards are usually geared toward travelers and include bonus categories and benefits that are suited for those who want to make the most of their travels. 

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Best no-foreign-transaction-fee credit cards of July 2024

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Foreign transaction fees are just one of the many unnecessary charges travelers and online shoppers are likely to encounter. This surcharge can be up to 3 percent of the cost when making international purchases or withdrawing funds from a foreign ATM. Here’s what you need to know about the best credit cards without foreign transaction fees from our partners, along with some tips on how to avoid other unnecessary fees when shopping internationally.

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Best No Foreign Transaction Fee Credit Cards

  • Capital One Venture Rewards Credit Card : Best for flat-rate travel rewards
  • Chase Sapphire Preferred® Card : Best travel card for beginners
  • Bank of America® Travel Rewards credit card : Best for expanded travel rewards categories
  • Capital One VentureOne Rewards Credit Card : Best overall
  • Capital One Quicksilver Cash Rewards Credit Card : Best for flat-rate cash back
  • Discover it® Cash Back : Best for bonus category variety
  • Chase Sapphire Reserve® : Best for luxury perks
  • The Platinum Card® from American Express : Best for lounge access
  • Capital One Venture X Rewards Credit Card : Best for budget luxury travel
  • Discover it® Miles : Best for first-year value
  • American Express® Gold Card : Best for travel rewards on dining
  • Discover it® Student Cash Back : Best for students

Additional Options:

  • American Express® Green Card:  Best for everyday travel
  • What to know about foreign transaction fees
  • Pros and cons of no-foreign-transaction-fee cards

Expert advice for no-foreign-transaction-fee cards

  • What people are saying about no-foreign-transaction-fee cards

How we assess the best cards with no foreign transaction fee

  • Frequently asked questions
  • Ask the Experts

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Best for flat-rate travel rewards

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Capital One Venture Rewards Credit Card

Bankrate score

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Intro offer

New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

Earn 75,000 miles

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program , showing you how much your points or miles are worth in dollars.

Rewards rate

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

2 Miles - 5 Miles

Regular APR

19.99% - 29.99% (Variable)

  • 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
  • 2 Miles 2 Miles per dollar on every purchase, every day

What we love: A primary draw for this travel card is a generous 2X miles on all purchases, allowing you to earn toward travel without making a lot of travel purchases. Learn more: Why I love the Capital One Venture Rewards card Alternatives: If you exclusively fly one airline or stay at one hotel chain, you’re probably better off with a co-branded card — and you can also consider this card’s low-cost alternative, the Capital One VentureOne Rewards Card .

  • It comes with many flexible redemption options, not limited to travel.
  • You could potentially increase the value of your miles by transferring them to select Capital One travel partners.
  • There’s a steep spending requirement to achieve this card’s current sign-up bonus.
  • Miles are worth 1 cent or less unless you use select airline transfer programs, which can limit your overall earning potential.
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Best travel card for beginners

Image of Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

60,000 bonus points

5x on travel purchased through Chase Travel℠. 3x on dining, select streaming services and online groceries. 2x on all other travel purchases. 1x on all other purchases.

21.49% - 28.49% Variable

  • 5x 5x on travel purchased through Chase Travel℠.
  • 3x 3x on dining, select streaming services and online groceries.
  • 2x 2x on all other travel purchases.
  • 1x 1x on all other purchases.

What we love: This popular travel credit card operates on all cylinders, touting an excellent rewards rate on travel and dining and a lucrative sign-up bonus. You can also enjoy 25 percent more value when you redeem points for travel through Chase Travel℠. Learn more: Chase Sapphire Preferred card benefits guide Alternatives: Travelers looking for luxury perks such as airport lounge access or free checked bags may prefer the Delta SkyMiles® Gold American Express Card or the Delta SkyMiles® Platinum American Express Card .  

  • The easy value boost by simply redeeming rewards for travel through the Chase Travel℠ portal is a stellar feature.
  • You’ll get travel perks like trip cancellation/interruption insurance and baggage delay insurance.
  • No intro APR offers means you won’t save on interest if you have to carry a balance.
  • There’s a steep spending requirement to earn the card’s sign-up bonus.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Best for expanded travel rewards categories

Image of Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

25,000 points

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

19.24% - 29.24% Variable APR on purchases and balance transfers

  • 1.5X Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

What we love: What makes this card stand out is that you can redeem for more than just flights, hotels or rental cars. The Bank of America Travel Rewards card lets you redeem points for statement credits for purchases at campgrounds, zoos, art galleries, aquariums and more. Learn more: Bank of America Travel Rewards credit card benefits guide Alternatives: The Citi Premier® Card is a solid alternative if you don’t mind a modest annual fee in exchange for competitive rewards rates on everyday purchases. 

  • Qualifying for the Bank of America Preferred Rewards® program makes this card one of the most lucrative flat-rate travel cards available.
  • You could benefit from a temporary break on interest charges thanks to this card’s intro APR offer.
  • You won’t get some of the most coveted travel benefits like trip cancellation insurance or complimentary lounge access.
  • The minimum amount of points you need to redeem is high compared to other cards.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for occasional travelers

Image of Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

20,000 miles

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 1.25 Miles per dollar on every purchase, every day.

1.25 Miles - 5 Miles

  • 1.25 Miles 1.25 Miles per dollar on every purchase, every day

What we love: This card is great for low-hassle travel rewards with its flat earning rate and easy redemption of miles for any recent, travel-related purchases, including flights with any airline. Learn more: Is the Capital One VentureOne worth it? Alternatives: While this card is great for someone who doesn’t want to worry about offsetting the cost of an annual fee, travel rewards maximizers who travel often are likely better off with a more premium card, such as the Bank of America® Premium Rewards® credit card .

  • Occasional travelers can earn miles on everyday purchases.
  • You could potentially increase the value of your miles by transferring them to Capital One’s travel partners.
  • Many travel cards with annual fees come with more valuable benefits.
  • Capital One’s transfer partners currently don’t include any major U.S. airlines.
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 1.25X miles on every purchase, every day
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Best for flat-rate cash back

Image of Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. Earn unlimited 1.5% cash back on every purchase, every day.

  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day

What we love: This cash-back card combines consumer-friendly terms with a decent rewards program. We particularly like it for first-time rewards credit cardholders. Learn more: Why I love the Capital One Quicksilver Cash Rewards card Alternatives: If you want to maximize cash back earnings in multiple categories or have a higher rewards rate, we suggest the Discover it® Cash Back credit card .  

  • You won’t need a minimum amount of rewards to redeem cash back.
  • The welcome offer is fairly attainable compared to other cash back cards.
  • You could earn more rewards with other flat-rate or bonus category cash back cards.
  • The ongoing variable APR is higher compared to competing cards.
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Best for bonus category variety

Image of Discover it® Cash Back

Discover it® Cash Back

  • Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Cashback Match

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

18.24% - 28.24% Variable APR

  • 5% Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
  • 1% Plus, earn unlimited 1% cash back on all other purchases - automatically.

What we love: This classic card from Discover pairs forgiving terms (like no penalty APR for missed payments) with a generous rotating category cash back rewards program, making it a rare cash back credit card that skips foreign transaction fees. Its end-of-first-year Cashback Match also sweetens the deal. Learn more: Is the Discover it® Cash Back Credit Card worth it? Alternatives: Discover’s rotating rewards program requires quarterly activation and tracking categories, so the Capital One Quicksilver Cash Rewards Credit Card may be a better match if you’re looking for a more low-maintenance rewards strategy.

  • The card is cost-effective since there’s no annual fee and Discover will waive your first late payment fee (up to $41 after that).
  • Rotating bonus categories tend to include popular everyday categories.
  • The card’s value decreases after the first year when the Cashback Match is no longer on the table.
  • Maximizing rewards takes some legwork; you have to enroll and spend in bonus categories each quarter to earn the best cash back rates.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 18.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.

Best for luxury perks

Image of Chase Sapphire Reserve®

Chase Sapphire Reserve®

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.

22.49% - 29.49% Variable

  • 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
  • 5x Earn 5x total points on flights through Chase Travel℠.
  • 3x Earn 3x points on other travel and dining.
  • 1x Earn 1 point per $1 spent on all other purchases.

What we love: This popular luxury travel credit card from Chase comes fully loaded, featuring generous base rewards, a sweet sign-up bonus, ancillary perks (including airport lounge access and certain travel protections) and a high-value travel credit that’ll go a long way toward offsetting the steep $550 annual fee. Learn more: Chase Sapphire Reserve benefits guide Alternatives: If you only travel occasionally, aren’t comfortable with a hefty annual fee or you’re not sure you’d get $550 of value out of this card each year, the Chase Sapphire Preferred is a better choice.  

  • The annual travel credit is one of the easiest credits on the market to redeem.
  • You’ll get a 50 percent boost when you redeem points for travel through Chase Travel℠.
  • The card’s ongoing APR is high and the card has no intro APR offers to shield you from interest charges.
  • The card’s lounge access pales a bit in comparison to comparable luxury credit cards.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Best for lounge access

Image of The Platinum Card® from American Express

The Platinum Card® from American Express

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Earn 80,000 points

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

See Pay Over Time APR

  • 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

What we love: This card’s lounge access privileges make it a perfect fit for frequent flyers who want to travel in maximum comfort. The card also comes with plenty of perks, including statement credits for expedited security screening, airline incidentals, hotels and Uber.  Learn more: The Platinum Card from American Express benefits guide Alternatives: While this card’s benefits are nice, they’re also expensive and you may only use a handful of its benefits. The Capital One Venture X Rewards Credit Card is a great alternative thanks to its lower annual fee and solid travel perks.

  • This card offers a long list of airline and hotel transfer partners, so you should have little trouble using your points for travel worldwide.
  • Includes access to Priority Pass Select lounges, Centurion lounges, Delta Sky Clubs (if you’re traveling on Delta) and more.
  • It’s not a great fit if you want to earn travel rewards on everyday spending, due to its low rewards rates on non-travel purchases.
  • Several of the card’s perks are unrelated to travel and may only appeal to a small audience, making the annual fee harder to justify.
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Best for budget luxury travel

Image of Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

75,000 miles

10 Miles per dollar on hotels and rental cars booked through Capital One Travel. 5 Miles per dollar on flights booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

2 Miles - 10 Miles

  • 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
  • 5 Miles 5 Miles per dollar on flights booked through Capital One Travel

What we love: If you’re looking for some middle ground in the realm of luxury travel cards, this one has a lot to offer. With about half of the annual fees on other luxury travel cards, you still get some of the best travel protections, lounge access opportunities and annual credits. Bonus: the credits you earn will put a nice dent in the annual fee. Learn more: Capital One Venture X benefits guide Alternatives: If you want a card that rewards your personal travel habits, such as booking with your favorite airlines or hotels, cards with brand-specific perks could be a better alternative. Co-branded credit cards, such as the Hilton Honors American Express Surpass® Card , help you earn rewards with the hotels and airlines you prefer. 

  • You’ll get $300 in annual credits for Capital One Travel bookings.
  • Enjoy complimentary Priority Pass Select membership to over 1,300 lounges worldwide.
  • While it has a lower annual fee than other premier travel cards, it could still be steep for some.
  • You must book through the Capital One Travel portal to earn the highest rewards rates.
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Best for first-year value

Image of Discover it® Miles

Discover it® Miles

  • Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Discover Match®

Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

  • 1.5X Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

What we love: This budget-friendly travel credit card combines a decent return on purchases, a generous first-year welcome offer and consumer-friendly terms. Occasional travelers should consider applying. Learn more: Why I love the Discover it® Miles Credit Card Alternatives: If you’re looking for travel perks or the ability to transfer miles to airline or hotel loyalty programs, cards like the Southwest Rapid Rewards® Priority Credit Card or the Marriott Bonvoy Brilliant® American Express® Card may be better suited for your needs.

  • Miles don’t lose value when you redeem for cash back.
  • Discover forgives your first late payment (up to $41 late fee after that; missed payments can hurt your credit score).
  • The card has no ancillary travel benefits or perks.
  • The card’s value drops significantly after the first year’s miles match welcome bonus.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
  • Discover is accepted nationwide by 99% of the places that take credit cards.

Best for travel rewards on dining

Image of American Express® Gold Card

American Express® Gold Card

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Earn 60,000 Membership Rewards® Points

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

  • 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
  • 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

What we love: International travelers who always remember to pack their appetites will find the American Express Gold Card a rich source of travel rewards, without foreign transaction fees. The generous rewards and annual credits should go a long way toward offsetting the card's $250 annual fee. Learn more: Is the Amex Gold worth the annual fee? Alternatives: For travelers who want premium travel perks like airport lounge access, you’d be better off with the Chase Sapphire Reserve , as it comes with some of the highest rewards for travel and dining compared to other luxury travel cards.  

  • This card offers best-in-class base rewards on food purchases.
  • Features travel and shopping protections, including trip delay insurance, baggage insurance and extended warranty coverage.
  • Earning the full value of some of this card’s credits requires careful attention to the terms and conditions.
  • The steep annual fee will price this card out of many non-frequent flyers’ budgets.
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.

Best for students

Image of Discover it® Student Cash Back

Discover it® Student Cash Back

  • Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

18.24% - 27.24% Variable APR

What we love: A top choice for students, the Discover it® Student Cash Back credit card touts a generous rewards program and consumer-friendly terms, including no annual fee. Consider applying if you don’t mind managing rotating cash back bonus categories. Learn more: Is the Discover it® Student Cash Back credit card worth it? Alternatives: If you don't want to activate the card's rotating bonus categories each quarter, the Discover it® Student Chrome has a more simplified rewards program.

  • It's a lucrative rewards credit card available to students.
  • This card doesn’t charge an annual fee, perfect for first-time cardholders.
  • Rotating cash back categories might be confusing or tedious to credit card newbies.
  • While it has an intro offer on new purchases, it’s much shorter than what you’d find on plenty of other cards.
  • No credit score required to apply.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.

Best for everyday travel

Image of American Express® Green Card

American Express® Green Card

*The information about the American Express® Green Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership.

Earn 40,000 points

Rewards Rate

Earn 3X Membership Rewards® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals. Earn 3X Membership Rewards® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. Earn 3X Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.

  • 3X Earn 3X Membership Rewards® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
  • 3X Earn 3X Membership Rewards® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
  • 3X Earn 3X Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.

What we love: This travel card comes with solid perks at a relatively low cost, allowing you to get a taste of luxury travel even if you only take a few flights per year. It also offers one of the most generous rewards rates out there on transit, making it a great pick for commuters. Learn more: Why the American Express Green card is great for flexible spending Alternatives: Though the Capital One Venture X Rewards Credit Card carries a higher annual fee, it offers more than enough value to make it worth the cost. It may be a better value than the Amex Green overall thanks to its wider-reaching lounge access privileges, annual travel credit and ongoing anniversary bonus. 

  • City dwellers and people who frequently use public transit can get plenty of rewards with this card.
  • You’ll get an annual statement credit for CLEAR membership.
  • Unless you use the Pay Over Time feature, you'll be required to pay your balance in full each month.
  • It has lackluster lounge access compared to other premier travel cards.

Compare Bankrate’s top no-foreign-transaction-fee credit cards

All information about the American Express® Green Card has been collected independently by Bankrate.com and has not been reviewed or approved by the issuer.

What is a no-foreign-transaction-fee credit card?

A no-foreign-transaction-fee credit card is exactly that — a credit card that doesn’t charge foreign transaction fees on purchases you make outside the U.S. No-foreign-transaction-fee cards are often associated with travel rewards cards . However, some issuers may also offer cash back, balance transfer, credit-building, student and business cards that don’t charge foreign transaction fees.

What you should know about foreign transaction fees

When you use a credit card card abroad to buy something in the local currency, your credit card issuer has to convert the money you’ve spent into U.S. dollars. It may seem like any other transaction, but the credit card issuer covers various costs associated with international purchases, such as transferring money through a foreign bank. 

Many issuers offset these costs by charging a foreign transaction fee for purchases made abroad. Depending on the issuer and card, a foreign transaction fee typically ranges from 1 percent to 3 percent, but it can go as high as 5 percent. Capital One and Discover don’t charge foreign transaction fees on any of their credit cards.

Here's a quick look at how the fee structure breaks down among several major credit card issuers:

Unless you pay with a credit card that waives this fee, you’ll likely pay a foreign transaction fee for:

Hotel bookings

While it largely depends on the hotel's location and the specific travel provider, your credit card issuer may charge a foreign transaction fee when you book a stay in another country.

Online purchases

If you purchase something from a seller based outside the U.S. and your transaction is processed abroad, your issuer could charge a foreign transaction fee — even if you’re shopping from the comfort of home.

Debit, charge or gift card purchases

Unfortunately, you can't avoid foreign transaction fees simply by using a different type of card. Debit cards, charge cards and even prepaid gift cards commonly charge foreign transaction fees.

Foreign transaction fees typically appear on your credit card statement at the end of your billing cycle and you pay them when you pay your credit card balance.

When traveling abroad or shopping with international vendors, foreign transaction fees aren’t the only ones to look out for. Be cautious of other travel-related credit card fees that can cut into your rewards, including baggage fees, ATM fees and conversion fees.

Pros and cons of no-foreign-transaction-fee credit cards

If you travel overseas or make purchases in foreign currencies, it's worth understanding why a card with no foreign transaction fee might benefit you.

Save on purchases abroad. The average foreign transaction fee rate is a costly 3 percent, which can also erode — or completely offset — some cards’ rewards rates.

Better exchange rates. A credit card can help you save on converting currency at local ATMs, banks or airports. For example, Visa and Mastercard typically charge 1 percent to convert currency to U.S. dollars, saving you the added costs of a merchant’s dynamic currency conversion rate (DCC).

Expense tracking. You won't have to keep track of different payment methods or currency exchange fees if you charge everything to your credit card without foreign transaction fees.

Most options are travel cards. No-foreign-transaction-fee cards are less likely to carry cash back bonus categories tailored to everyday spending than travel rewards and perks.

Some card networks aren’t widely accepted abroad. Cards from American Express or Discover might not be as widely accepted by merchants internationally as Mastercard and Visa cards.

More likely to charge a fee. Since cards with no foreign transaction fees tend to be travel cards, annual fees are more common as well as other travel-related fees.

As you search for a card to use for your upcoming international trip, it’s important to fully understand foreign transaction fees, what to consider when choosing a no-foreign-transaction fee card and how you can best use this type of card.

How to choose a card with no foreign transaction fees

For some people, a card with no foreign transaction fees can result in hundreds of dollars in savings. People who travel abroad frequently, students studying abroad and some online shoppers may benefit most from picking a card that doesn’t charge foreign transaction fees. If you’re hoping to earn rewards on these purchases, avoiding a foreign transaction fee is even more important since the common 3 percent rate could outweigh any rewards you’d earn from your purchases.

Also, look for a rewards card that offers cash back, points or miles in categories that match your spending habits.

Find perks that serve your travel interests

While choosing a travel credit card , compare the full range of benefits that each one offers. Along with rewards and no foreign transaction fees, top-tier travel credit cards usually carry benefits like annual travel credits , trip cancellation insurance, expedited airport security screening and airport lounge access . You may need to pay a higher annual fee to get all the perks you want, so pick the card that offers the best cost-to-benefit balance for you.

Compare rates and fees

Common credit card fees include annual fees, late fees, balance transfer fees, cash advance fees and returned payment fees. An annual fee is the most challenging to avoid, as you can dodge most other costs through responsible card use.

Annual fees are most common among mid-tier and premium travel credit cards, even if these cards skip foreign transaction fees. Weigh whether you can offset an annual fee with reward earnings and added benefits, as you may find that some cards with annual fees are worth it when they offer rewards.

Consider the card network

Although you shouldn’t have much of a problem with credit card acceptance, Visa and Mastercard credit cards are accepted more widely internationally than cards on the American Express and Discover networks .

Learn more: Will your credit card work abroad?

Still unsure if a no-foreign-transaction-fee credit card is right for you? Check out our Credit Card Spender Type Tool to get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Tips for maximizing a no-foreign-transaction fee card

When using your credit card internationally, follow these tips to ensure you’re making the most of your no-foreign-transaction-fee card and not racking up unnecessary fees .

Have a mix of credit cards

Every credit card may not work in every country depending on the card network, so it may be handy to have at least two no-foreign-transaction-fee credit cards from different networks — especially if one is an American Express or Discover card. Carrying multiple credit cards could also help you earn rewards on more purchases and make it easier to adapt your travel plans for different hotel or airline brands if needed.

Take advantage of your rewards and perks

Having no foreign transaction fees is a valuable card feature, but making the most of your cards’ rewards and perks can help you save even more on your travel. Rideshare partner perks, travel insurance , waived airline baggage fees  and travel statement credits are all popular benefits that are worthwhile as well.

Avoid cash advances

Withdrawing cash from an ATM using your credit card could cost you up to 5 percent of the amount withdrawn and incur high interest charges. Try to avoid needing a cash advance by keeping some cash or a debit card on hand for emergencies.

Have a chip-and-PIN credit card

Opt for a credit card that features both a chip and a PIN: a small metallic computer chip and a four-digit identification number to verify your card once it’s inserted. This card security method is more common internationally than the typical “chip and signature” method in the U.S., and it can save you from the hefty fees of a foreign ATM cash withdrawal.

What people say about no-foreign-transaction-fee cards

MyFICO users and Reddit users across r/CreditCards, r/personalfinance, r/Travel and other related subreddits often recommend an array of credit cards with no foreign transaction fees when discussing the best options for travelers heading overseas. Here’s what a few of them had to say about some of their favorite no-foreign-transaction-fee credit cards:

“I have the AMEX Gold and it has no foreign/international fees! It's a great credit card if you're looking to use it for points and travel . . . it's definitely the card I reach for the most.” — Reddit User
“Bank of America's Travel Rewards card is pretty good with no foreign transaction fee. I've used it frequently in Canada and the spot rate is way better than any exchange agent.” — myFICO User

Overall, Reddit users generally agree that many no-foreign-transaction-fee credit cards are the best option when traveling internationally. They provide the convenience and cost savings that travelers are looking for, along with the ability to earn rewards or points along the way.

* See Rates & Fees for Capital One SavorOne Cash Rewards

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

How this Bankrate expert chose their no-foreign-transaction fee card

Here’s how Bankrate writer and credit card reviewer Seychelle Thomas chose her card with no foreign transaction fees:

“Initially, I chose the Capital One Quicksilver* for its flat-rate rewards and how gracious it was towards my credit score at the time (which wasn't the best). No foreign transaction fees was more of a hidden benefit for me that became useful after building my credit and starting to travel. My Quicksilver card proved useful on a trip to Iceland in 2017 because it didn't charge foreign transaction fees and automatically converted prices from Icelandic Króna to USD for me. It also came in handy on a trip to the Dominican Republic a few years later. Having account notifications set gave me some peace of mind in making sure my card stayed safe — and that I stayed on budget. After realizing travel rewards became more valuable to me than cash back, I swapped over to the Capital One VentureOne*. It also meant I could keep enjoying benefits I had with my Quicksilver card, like no foreign transaction fees and elevated rewards on Capital One Travel hotel and rental car bookings. I've already earned about 11,000 miles and tested out the card on a trip to El Salvador last year. I plan to use the card again during an upcoming trip to Mexico so I can keep earning travel rewards without paying an annual fee or foreign transaction fees.” — Seychelle Thomas, Writer, Credit Cards

*( See Rates & Fees for the Capital One Quicksilver); ( See Rates & Fees for the Capital One VentureOne)

When evaluating the best credit cards with no foreign transaction fee, we take into account several factors, including how cards score in our proprietary card rating system and whether they offer features that fit the priorities of a diverse group of cardholders. While we tend to favor travel-centric cards given the context of foreign transaction fees, we also feature cards that will appeal to people looking for everything from a large sign-up bonus to an intro APR.

We analyzed over 250 of the most popular credit cards and selected standouts that carry no foreign transaction fee. We scored each card based on the factors most relevant to its primary category, including its rewards rate, estimated annual earnings, intro APR period, ongoing APR, perks and more to determine whether it belonged in this month’s roundup.

Here’s a quick breakdown of the key factors in our rewards card scoring methodology and details we considered when putting together our list of the best rewards cards.  

Most cards with no foreign transaction fee earn rewards or cash back. Our rating methodology for these cards focuses heavily on rewards value — what kind of return we’d expect based on the average person’s spending and a card’s added bonuses and annual fee.

  • Value 65.00%
  • Flexibility 15.00%
  • Perks 15.00%
  • Customer experience 5.00%

Solid rewards value

Since many cardholders looking for a card with no foreign transaction fee are eager to earn rewards (particularly on travel), a key criteria for a card’s inclusion in our list is whether it offers impressive rewards value. This includes a card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we calculate its average rewards rate based on how much it earns in different bonus categories, as well as how closely those categories match the average person’s spending habits. In other words: Does the card earn rewards at a high rate in the most popular spending categories?

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $22,500.  

Some of the major spending categories that contribute towards the annual spend include:

  • Groceries: $5,700
  • Dining out: $3,600
  • Entertainment: $2,400
  • Gas: $3,100
  • Apparel and services: $1,900

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries. We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other cards in its primary category.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

  • Ongoing rewards value 30%
  • Sign-up bonus value 25%
  • Annual fee & average APR 20%
  • Rewards rate 15%
  • Annual bonus value 10%

Reasonable fees and APR

Naturally, all of the cards on this list do not charge foreign transaction fees.

We also rate all cards based on how their ongoing average APR compares to the average APR you’ll find other cards in their primary category. However, the impact of an especially high or low APR on a card’s overall score depends on its primary category.

For rewards-earning cards, this factor has only a minor influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance. That said, rewards-earning cards may get a solid boost in score and be more worthy of inclusion in our list if they also offer an intro APR on balance transfers or new purchases, since such offers aren’t always present on these cards.

More important to these cards’ scores and their inclusion in our list is how their annual fees influence their overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. 

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees.

Interest rates and intro APR offers play a much larger role in a card’s score and whether it’s included in our list when the card is designed specifically for users looking to save on interest charges, such as dedicated balance transfer or low-interest cards.

Other fees considered include cash advance and late payment fees, along with penalty APRs.

Flexibility and perks

Along with rewards value and cost, we consider other factors that could give cards great long-term value, like flexible rewards redemption and especially unique and valuable perks.

We rate rewards-earning cards based on the restrictions they impose on earning and redeeming rewards and consider this when deciding on a card’s inclusion in our list.

These restrictions could include only allowing users to earn a high rewards rate on a small amount of spending or requiring users to meet a certain earning threshold before they can redeem rewards. We also examine whether points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to airline and hotel partners.

We also evaluate each card’s perks based on their value, usefulness and uniqueness. Cards that offer top-tier benefits like airport lounge access or travel credits are likely to stand out, but we also aim to highlight cards that offer valuable under-the-radar perks, like cellphone protection or one-off credits for everyday expenses like dining and streaming services.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Frequently asked questions about no foreign transaction fee credit cards

Which travel rewards card is best for international transactions.

The best overall card for international transactions will vary depending on your specific travel needs, but Bankrate has rated cards like the Chase Sapphire Reserve card, Platinum card from American Express and the Capital One VentureOne Rewards card as some of the best travel rewards cards with no foreign transaction fee.

How do you determine if your existing credit card charges a foreign transaction fee?

How do i calculate a foreign transaction fee.

If you’re curious to know how much you’ll pay for a foreign transaction fee, multiply the purchase price by the fee percentage. Then add the result to the purchase price. For example, let’s say your nephew’s favorite soccer team is Manchester United F.C., so you buy him a jersey from an online retailer based in England using a credit card that charges a 3 percent foreign transaction fee. If this purchase costs $100, the fee would be $3, bringing your total cost to $103 ($100 x 3 percent = $3, $100 + $3 = $103).

Ask the experts: Is it worth it to get a credit card with no foreign transaction fee for a one-time overseas trip?

travel credit cards with no foreign transaction fees

Erica Sandberg

travel credit cards with no foreign transaction fees

Thomas Nitzsche

travel credit cards with no foreign transaction fees

Stephanie Zito

travel credit cards with no foreign transaction fees

Contributor, Credit Cards

Absolutely! Foreign transaction fees can be expensive. Unless you have a credit card that does not charge them, be prepared to be charged an extra 3 percent on your transactions. For example, if you take a trip to France and spend $5,000 on your card, an additional $150 may be added to that amount. Your money could have gone to a lovely meal at a special café instead. The good news is that there are many credit cards available that do not charge foreign transaction fees. If you know that you will be traveling internationally, apply for one before you go.

travel credit cards with no foreign transaction fees

Financial Educator, Debt and Credit

Depending on how much you plan to spend on your trip, and assuming you don’t already have a card with no foreign transaction fees, it may be worth it to shop for a card that will help you avoid the 3 percent typical fee. Be aware that most recommended cards will require good to excellent credit in order to be approved. You may want to consider zero-fee cards which also have other perks or rewards you will use in the future.

travel credit cards with no foreign transaction fees

Contributor, Personal Finance

There are so many card options out there these days that there is absolutely no reason to use any of your vacation money to pay foreign transaction fees on your credit card. Even if you only take a big international trip just once a year, you’ll always be better off using a card with no foreign transaction fees. If you don’t already have one in your wallet, I’d recommend a Visa over American Express or MasterCard for ease of international acceptance. You can even find one like the Capital One Quicksilver Cash Rewards Credit Card or Capital One Savor Cash Rewards Credit Card that has no foreign transaction fees and no annual fee.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

“ What is Dynamic Currency Conversion? ” Visa. Accessed on June 4, 2024.

Lowry, C. “ Everything you need to know about traveler's checks. ” Western Union. Accessed on June 4, 2024.

“ Consumer Expenditures 2022 ." U.S. Bureau of Labor Statistics. Accessed on June 4, 2024.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

  • Best Credit Cards
  • Balance Transfer
  • No Annual Fee

On this page

  • Our top picks
  • Card details
  • What is a foreign transaction fee
  • Pros and cons
  • How to choose a card
  • How to make the most of your card
  • Foreign transaction fees by issuer
  • Our methodology
  • Frequently asked questions

Best No Foreign Transaction Fee Credit Cards of 2024

July 12, 2024

How we Choose

A foreign transaction fee is a common charge that your credit card issuer adds to your bill for purchases made outside of the U.S. Usually around 3% of the purchase price, foreign transaction fees can apply to travel purchases when you are physically outside of the United States, as well as online purchases with foreign merchants.

The good news is that there are plenty of credit cards that waive foreign transaction fees. Some credit card issuers, like Capital One and Discover, have no foreign transaction fees on any of their cards.

Keep reading to learn more about how foreign transaction fees work and how to avoid them. Below you’ll find the top offers from our partners, followed by a full list of editor picks.

Best Credit Cards with No Foreign Transaction Fees for 2024

  • Capital One Venture Rewards Credit Card : Best for flat-rate rewards
  • Chase Sapphire Preferred Card:  Best for sign-up bonus
  • Bank of America® Travel Rewards credit card : Best for flexible travel
  • Capital One VentureOne Rewards Credit Card : Best for no annual fee ( See rates and Fees )
  • Capital One Quicksilver Cash Rewards Credit Card : Best for streamlined rewards
  • Discover it® Cash Back : Best for rotating bonus categories
  • Chase Sapphire Reserve® : Best for point value
  • The Platinum Card® from American Express : Best for lounge access
  • Capital One Venture X Rewards Credit Card : Best for annual credits
  • Discover it® Miles : Best for travel beginners
  • American Express® Gold Card : Best for restaurants worldwide

Additional Options :

  • American Express® Green Card: Best for starter travel perks

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Rewards rate

At a glance, overall rating, why we like this card.

What traveler doesn’t enjoy a warm welcome? With this card, you’ll earn an outstanding sign-up bonus after meeting the spending requirement within the first three months of opening your account.

Even better, the Capital One Venture card has more in store beyond the sign-up bonus and no foreign transaction fees.

  • Miles don’t expire and there are no blackout dates.
  • International travelers should find a lot to like about air travel partners such as Turkish Airlines and Avianca.
  • The list of travel partners does not include most major domestic airlines.
  • While not unreasonable for a card of this caliber, the $95 annual fee means you'll need a strategy to maximize the value of the rewards and benefits.

Bottom Line

The Capital One Venture Rewards Credit Card isn’t quite in the heavyweight class, but it’s still a viable contender among the top travel credit cards.

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Rates & Fees

Chase sapphire preferred® card.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred offers a sign-up bonus of 60,000 points when you spend $4,000 in the first three months. This card also earns kudos on many other levels, including travel rewards, perks and value-added redemption options.

The rewards can add up quickly, especially for those who enjoy food as well as travel. You’ll earn 5X points on travel purchased through the Chase portal, 3X points on dining and 2X points on all other travel purchases. The lack of foreign transaction fees can help you get the most value out of the card.

  • It pays to use the portal. When you redeem points for travel through Chase Travel℠ their value increases by 25%.
  • Generous sign-up bonus and rewards rate
  • There's a $95 annual fee with no first-year waiver. You'll have to factor in that cost as you maximize the rewards and benefits.
  • You can transfer points to travel partners, but the list is a little short on major U.S. airlines and hotel chains.

If the sign-up bonus is the appetizer, brace yourself for the main course. The Chase Sapphire Preferred® Card is a great source of rewards and value.

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

Nobody likes to feel rushed when they travel, so why feel rushed when you’re using rewards to pay for travel? The window for redeeming points as statement credits for travel purchases made with this card is 12 months, as opposed to 90 days with other issuers.

You earn 1.5 points for every $1 spent on all purchases, and purchases made through the Bank of America Travel Center earn 3 points per $1. Bank of America Preferred Rewards® members could see the value of their points increase by 25%-75%, depending on their membership tier.

  • You can redeem points as statement credits for any travel purchase made within the last 12 months, which is a long window compared with many other cards.
  • No foreign transaction fee means that you don't have to worry about the cost of currency conversion when you use it overseas, and no annual fee means low cost of ownership.
  • If you have a favorite airline or hotel chain, you can earn much higher rewards rates with a co-branded airline or hotel card.
  • If you're looking for airport lounge access, concierge service and so on, look elsewhere. This card's travel-specific perks are pretty pedestrian.

The Bank of America® Travel Rewards credit card is a strong choice for people who like minimum hassle. Preferred Rewards members will get the most value.

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

One advantage of a flat-rate travel rewards card is earning minus the strategizing. The 1.25X Miles you’ll earn on all eligible purchases means that even casual travelers have the opportunity to rack up rewards without having to focus on particular spending categories.

In terms of overall value, this card doesn’t charge foreign transaction fees or an annual fee. You won’t have to worry about currency conversion costs on international purchases or seeing the annual fee show up on your statement every year.

  • If your list of travel worries includes blackout dates and minimum redemption requirements, you can remove both of them.
  • The travel benefits, including upgrades, are particularly generous for a no-annual-fee card.
  • The value of your Miles can vary significantly when you transfer them to Capital One travel partners, which could make the process confusing.
  • If you're a frequent traveler, you'll probably get a lot more value out of a card with higher rewards rates.

The Capital One VentureOne Rewards Credit Card offers an easy way to earn travel rewards, even if you’re not a mile-devouring jet-setter.

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

Although it’s not a travel card, its lack of foreign transaction fees makes the Capital One Quicksilver Cash Rewards Credit Card handy for purchases made from businesses outside the United States, including online merchants. You earn unlimited 1.5% cash back on all eligible purchases, which means steady earnings with no ceiling.

There’s more good news when you’re ready to redeem the cash back you’ve earned. You can redeem in any amount (some cards have minimum redemptions and set increments) and rewards don’t expire as long as the account is in good standing.

  • The flat-rate cash back program means you don't have to track special categories, worry about earning limits or adjust your spending based on calendars.
  • Easy and flexible redemption options include the Capital One App, which lets you redeem cash back as statement credits applied to purchases made within the previous 90 days.
  • Flat-rate cash back has its appeal, but the question of scale still applies. Using a card with bonus rate categories, you can earn comparable cash back without spending nearly as much.
  • The sign-up bonus ($200 when you spend $500 in the first three months) is easy to obtain but many competitors have richer welcome offers.

The Capital One Quicksilver Cash Rewards Credit Card isn’t the flashiest card on the market, but it’s a potentially lucrative source of no-hassle cash back.

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
  • Discover it® Cash Back

Discover it® Cash Back

For those who don’t mind doing some card and budget maintenance, this card can pay off handsomely. You’ll earn 5% cash back in rotating bonus categories (on up to $1,500 in purchases per quarter, followed by 1%) when you activate the bonus categories each quarter.

If the bonus categories line up, you could even pair it with a travel card when you venture overseas. The lack of foreign transaction fees makes it useful for international purchases.

  • By making full use of the bonus categories up to the quarterly limit, you could earn $300 cash back per year in those categories alone.
  • Thanks to Cashback Match™, Discover will automatically match the cash back you've earned at the end of your first year owning the card.
  • Tracking the bonus categories, activating each quarter and adjusting your spending accordingly does require some effort on your part.
  • Discover's international payment network is smaller than those of some competitors, which means that cards using the Visa, Mastercard and American Express are accepted in more locations.

If you maximize the bonus categories, the Discover it® Cash Back has considerable potential to help you get the most out of your spending.

  • Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 18.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.

Chase Sapphire Reserve®

Chase Sapphire Reserve®

No foreign transaction fees are just the beginning. This premium travel card excels in just about every area we can think of, including rewards, benefits and perks, redemption options and more.

Rather than resting on their laurels, Chase seems determined to up their game. Recent upgrades include the addition of the Pay Yourself Back℠ program, which provides more value when you redeem points for statement credits against eligible purchases.

  • Redeeming your points for travel through Chase Travel℠ increases their point value by 50%, which is how you can turn 60,000 points into $900 for travel instead of $600.
  • Loyalty can be more than its own reward. Every year on your account anniversary, you qualify for an up to $300 travel credit to reimburse you for travel purchases.
  • For some, the $550 annual fee could induce sticker shock. You'll need to travel frequently and take advantage of the many benefits and perks to offset that annual expense.
  • The list of Chase travel partners isn't as extensive as those of some competitors and tilts more toward airlines than hotels.

Pay attention, serious travelers: The Chase Sapphire Reserve® is a world-class travel credit card, annual fee and all, and keeps getting better.

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

The Platinum Card® from American Express

The Platinum Card® from American Express

See if you’re pre-approved for this card using our CardMatch tool .

Travel inevitably involves waiting, but there’s nothing that says you can’t wait in style. This card can help you do it by offering access to the Global Lounge Collection, a suite of well over 1,300 airport lounges across the United States and the globe.

It also offers outstanding rewards rates on eligible airfare and prepaid hotels booked with American Express Travel. If you’re shopping overseas or making an online purchase from an international vendor, you won’t have to worry about foreign transaction fees.

  • Similar to the Amex Gold Card, you'll get opportunities to maximize the value of Uber. In this case, the benefits are Uber VIP status and up to $200 in Uber cash on rides or food orders in the U.S. every year (benefit renews annually).
  • You'll get twice as much time as the industry standard to earn the welcome offer: 80,000 Membership Rewards Points after spending $8,000 with your new card in your first six months of card membership.
  • The $695 annual fee, steep even for a premium travel card, might seem like the elephant in the room. Instead of ignoring it, though, you can focus on how to counteract it with the rewards and the long list of perks and benefits.
  • Speaking of perks and benefits, Amex typically has very specific conditions and enrollment requirements that can make them seem overcomplicated.
  • Terms apply

The $695 annual fee looms large, but so do the rewards and perks. The Platinum Card® from American Express is a top choice for frequent, food-oriented travelers.

  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

If you are a frequent traveler and love sign-up bonuses, Capital One’s Venture X has an impressive offer for you. New cardmembers will earn 75,000 bonus miles after spending 4,000 on purchases within the first three months of account opening. Those miles are worth $750 in travel redemptions.

  • No spending limits. Earn unlimited miles in all purchase categories (with no expiration or blackout dates).
  • Cardmembers get 10,000 bonus miles every year (worth $100 toward travel), starting on their first anniversary, as well as an annual travel credit of $300 for travel booked through Capital One Travel.
  • To get the most value out of the card, you’ll need to book your travel through Capital One Travel.
  • The annual fee of $395 will take a large bite out of all the rewards you can earn with this card.

Capital One’s entry into the premier travel rewards credit card space is an instant winner, thanks to the generous sign-up bonus and unlimited rewards you can earn on all purchases.

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Discover it® Miles

Discover it® Miles

Not everyone is a travel expert. With this card, you don’t have to be. You can enjoy the simplicity of earning a steady flat rate on all eligible purchases and redeeming your Miles for statement credits you can apply to past travel expenses.

You can also look forward to some delayed (but lucrative) gratification. Discover will match all the Miles you’ve earned at the end of your first year as a cardholder, effectively doubling your first-year earnings.

  • By earning 1.5X Miles on all eligible purchases, travel-related or not, you can earn a considerable amount of rewards without being a globetrotter.
  • One of Discover's trademarks is its aversion to fees. This card doesn't charge foreign transaction fees or annual fees, among others.
  • You might not have to search as far as you think for a comparable travel card that offers more travel benefits while also going easy on the fees.
  • If you feel that convenience and versatility have a value all their own, a card that offers a travel booking portal and transfer partners might be a better choice.

The Discover it® Miles has a lot to offer casual travelers who would rather enjoy the journey than strategize their rewards game.

  • Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
  • Discover is accepted nationwide by 99% of the places that take credit cards.

American Express® Gold Card

American Express® Gold Card

It boasts not only a terrific rewards rate at restaurants worldwide, but also valuable credits foodies will love, including annual dining credits and Uber Cash. Plus, Amex points are among the most valuable rewards out there and can be transferred to a long list of airline and hotel partners.

  • Also earns rewards at a high rate at U.S. supermarkets, making it a terrific option for frequent travelers, restaurant-lovers and home cooks alike.
  • Since it earns rewards at a high rate in everyday categories — not just travel — it should be easy to rack up points toward your next trip even if you don’t spend a ton on travel.
  • You’ll only get good value for your rewards if you redeem for travel or transfer to airline or hotel partners, so cash back fans will want to look elsewhere.
  • Other cards earn a high (if not quite as high) rewards rate on dining, groceries and in other everyday categories without charging an annual fee.

If you’re a foodie looking for an easy way to earn travel rewards on everyday spending, this card will likely be a great fit.

  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.

Haven’t found the right card yet?

Check out these other card categories — we think they’re just what you’re looking for:

…or see more cards with no foreign transaction fees

*All information about the American Express® Green Card, the Wells Fargo Propel American Express® card, the Marriott Bonvoy Bold Credit Card, the Chase Freedom Flex and the Capital One Walmart Rewards Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparing the best no foreign transaction fee credit cards

Editor’s picks: no foreign transaction fee credit card details, best for flat-rate rewards: capital one venture rewards credit card.

  • Best features : The Venture Rewards’ sign-up bonus is straightforward and plentiful: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. It does come with a $95 annual fee ( See rates and Fees ), but this card also offers high rewards in bonus travel categories and 2X miles on all other purchases, plus convenient features like a Global Entry/TSA PreCheck credit and easily transferable miles.
  • Biggest drawbacks : The Venture’s list of airline partners in the U.S. is limited.
  • Alternative : The Chase Sapphire Preferred® Card has a rewards program that isn’t as simple or flexible, but it will likely provide more value if you are willing to book your travel through Chase Travel.
  • Bottom line : Big spenders who regularly go abroad will find a lot to love about the versatile Capital One Venture Rewards Credit Card beyond the sign-up bonus.

Read our Capital One Venture Rewards Credit Card review or jump back to this card’s offer details .

Best for sign-up bonus: Chase Sapphire Preferred Card

  • Best features : This top Chase credit card has everything you need in a travel rewards credit card. Cardmembers get a generous base rewards program of 5X points on travel purchased through the Chase Travel℠ portal, 3X points on dining and 2X points on other travel purchases (1X points on general purchases). There’s also a lucrative sign-up bonus (60,000 points if you spend $4,000 in the first three months), and, of course, no foreign transaction fees.
  • Biggest drawbacks : The spend required to earn the bonus may be out of reach for someone on a tight budget. Plus, you’ll need to redeem your points for travel through Chase Travel℠  to get the best value.
  • Alternative : The Sapphire Preferred offers the biggest bang for your buck when you redeem for travel through Chase Travel℠, but the Capital One Venture Rewards Credit Card will be the better option for travelers who like flexibility and want to keep things simple when it comes to earning and redeeming rewards.
  • Bottom line : If you’re on the hunt for one of the best travel credit cards and you don’t mind paying a modest annual fee, the Chase Sapphire Preferred allows you to accrue Ultimate Rewards points quickly.

Read our Chase Sapphire Preferred Card review or jump back to this card’s offer details .

Best for flexible travel: Bank of America® Travel Rewards credit card

  • Best features : The Bank of America Travel Rewards credit card makes travel rewards even more accessible by allowing you to redeem your points as a statement credit for any travel or dining purchase made on the card within the last 12 months. Plus, you can earn 25,000 welcome bonus points after spending $1,000 in purchases within the first 90 days of card membership. On top of all that, there’s no foreign transaction fee.
  • Biggest drawbacks : The rate for cash redemptions is disappointingly low at 0.6 cents per point.
  • Alternative : If you like to travel, you could get more value by upgrading to a card with a modest annual fee. The Capital One Venture Rewards Credit Card has a more robust rewards program and a bigger sign-up bonus. It costs $95 ( See rates and Fees ), but that fee is easily offset through strategic spending. (Read more about how you can easily offset this annual fee in our review.)
  • Bottom line : With an easily attainable welcome bonus and flexible flat-rate rewards program, this is a great card for travelers who can’t be bothered to keep track of spend categories. Bank of America customers can earn even more through the Bank of America Travel Center .

Read our Bank of America® Travel Rewards credit card review or jump back to this card’s offer details .

Best for no annual fee: Capital One VentureOne Rewards Credit Card

  • Best features : The VentureOne offers travelers a 1.25X miles rate on all purchases, plus no annual fee ( See rates and Fees ) . Miles don’t expire for the life of the account, and there’s no limit to how much you can earn with this card. To welcome new cardholders, Capital One awards 20,000 bonus miles after spending $500 in the first three months (a $200 value towards travel).
  • Biggest drawbacks : Travelers may feel a tad underwhelmed by the list of airline partners, which so far excludes any major domestic carriers.
  • Alternative : The Bank of America® Travel Rewards credit card is also a no-annual-fee credit card that won’t charge foreign transaction fees. But it edges out the VentureOne Rewards with its unlimited 1.5 points per dollar spent on all purchases.
  • Bottom line : Anyone with good or excellent credit (a score of 670 or higher) who is on the hunt for a rewards card with no annual fee and no foreign transaction fee ( See rates and Fees ) will want to take a look at the Capital One VentureOne Rewards Credit Card.

Read our Capital One VentureOne Rewards Credit Card review or jump back to this card’s offer details .

Best for streamlined rewards: Capital One Quicksilver Cash Rewards Credit Card

Best features : The Quicksilver is an easy-to-understand rewards card: It gets unlimited 1.5% cash back on all purchases and has a sign-up bonus of $200 for spending $500 in the first three months. As an added welcome, this flat-rate card offers a 0% intro APR offer on purchases for 15 months (19.99% to 29.99% variable rate thereafter) ( See rates and Fees )– a perfect window to purchase a trip to be paid off in increments while temporarily avoiding interest. In addition, this card charges no annual fee.

  • Biggest drawbacks : Its flexible rewards and intro offer make this an easy-to-use card, but there are more valuable rewards out there for experienced cardholders.
  • Alternative : Thanks to a flat cash rewards rate of 2%, you might get more value on your everyday expenses with the Wells Fargo Active Cash® Card . But you’ll miss out on paying no foreign transaction fees as the Active Cash card comes with a 3% fee for foreign currency conversion.
  • Bottom line : Travelers with good or excellent credit (a score of 670 or higher) who prefer an uncomplicated rewards program will be pleased with the Capital One Quicksilver Cash Rewards Credit Card, which charges no foreign transaction fee.

Read our Capital One Quicksilver Cash Rewards Credit Card review or jump back to this card’s offer details .

Best for rotating bonus categories: Discover it® Cash Back

  • Best features : One of a select few offering its level of rewards, the Discover it Cash Back offers 5% cash back on up to $1,500 in combined spend each quarter on rotating categories such as restaurants, wholesale clubs and even online retailers (activation required). After hitting the $1,500 threshold in a quarter, the rewards rate drops to 1% (the same as all other purchases).
  • Biggest drawbacks : Due to limited international availability, travelers should research whether Discover is accepted where they’re traveling.
  • Alternative : The Chase Freedom Flex® also has 5% cash back in rotating categories. But it also has fixed rewards rates in numerous bonus categories, including 5% cash back on travel purchases through Chase Travel℠ and 3% on dining and on drugstore purchases. Unfortunately, you’ll have to pay a 3% foreign transaction fee if you plan to use it for overseas spending.
  • Bottom line : The Discover it® Cash Back is a versatile cash back card that is a good match for travelers willing to be strategic in their spending. But if you think you’ll have difficulty keeping up with rotating categories, you might be better served by a flat-rate credit card .

Read our Discover it® Cash Back review or jump back to this card’s offer details .

Best for point value: Chase Sapphire Reserve®

  • Best features : Unlike most, this card features an annual travel credit of $300 for cardholders to spend anywhere in the world. And when purchased through the Chase Travel℠ portal, you can earn 10X points on hotels and car rentals as well as 5X points on air travel. You can even earn 3X points on other travel and dining purchases and 1X points elsewhere. (The 10X, 5X and 3X travel rewards rate only applies after you earn your $300 travel credit.) And here’s the kicker: Points are unlimited, don’t expire and receive a 50% boost on travel rewards when redeeming through the Chase Travel℠ portal .
  • Biggest drawbacks : This is a well-rounded card, but it comes with a high annual fee of $550. And despite the versatile redemption options (including travel, cash, and gift cards), there is a lower rewards value when you redeem for cash, gift cards or merchandise than when you redeem for travel booked through Chase.
  • Alternative : Depending on your spending habits and the level of premium features you’re looking for, the  Capital One Venture X Rewards Credit Card  could be a better fit. It has a smaller annual fee and still packs a punch when it comes to luxury perks like lounge access and annual travel credits. Learn more about the  Capital One Venture X vs. Chase Sapphire Reserve .
  • Bottom line : The Chase Sapphire Reserve® is for jetsetters who spend enough on dining and travel to justify the high annual fee.

Read our  Chase Sapphire Reserve® review  or jump back to this  card’s offer details .

Best for lounge access: The Platinum Card® from American Express

  • Best features : With the Platinum Card in your wallet, you’ll enjoy access to the Global Lounge Collection , which Amex states has over 1,300 airport lounges in 140 countries. The high-end card also offers flexibility while traveling, with 5X points on flights booked directly with airlines or with American Express Travel (earn 5X points on up to $500,000 on these purchases per calendar year) and 5X points on prepaid hotels booked with American Express Travel. This option also features unlimited points that won’t expire, a welcome offer of 80,000 points after a $8,000 spend within the first six months and no credit card foreign transaction fees (see rates and fees ).
  • Biggest drawbacks : The Platinum Card does not come cheap – bringing along a $695 annual fee. If your spending habits align with the impressive list of credits and perks that are worth over $1,000, you’ll have no trouble making up that fee. But that immense value starts to drop if you aren’t interested in things like memberships at Walmart or Equinox gyms.
  • Alternative : If you want luxury but don’t want to pay such a steep price, you’ll want to consider the Capital One Venture X Rewards Credit Card . It has a smaller annual fee of $395 ( See rates and Fees ) and is a solid pick if you like lounge access and only need a limited amount of luxury perks. Learn more about the Capital One Venture X vs. Amex Platinum Card .
  • Bottom line : Those willing to shell out the $695 annual fee will certainly get their money’s worth in top-notch travel perks including lounge access, Hilton Honors gold status and a number of handy travel related statement credits. If you’re constantly on the go, these benefits can be enormously useful.

Read our review of The Platinum Card® from American Express or jump back to this card’s offer details .

Best for annual credits: Capital One Venture X Rewards Credit Card

  • Best features : Compared to other premier travel rewards credit cards, the Venture X’s modest annual fee and unlimited miles on all purchases, along with all the other bonuses and perks, make it an instant challenger for the best credit card of its class.
  • Biggest drawbacks : The $395 annual fee ( See rates and Fees ) and $4,000 spend requirement within three months of account opening to earn the 75,000 bonus miles should be considered carefully before applying for the Venture X.
  • Alternative : With an annual fee of $695, The Platinum Card® from American Express isn’t cheap, but some travelers looking for luxury may prefer the convenience of Amex’s Membership Rewards program, as well as the opportunity to earn the Platinum Card’s welcome offer.
  • Bottom line : The Capital One Venture X Rewards Credit Card is a great option for anyone who travels often, uses their credit card regularly, and will take advantage of as many of the Venture X’s perks as possible. This includes the yearly bonus and travel credit, cellphone protection, and free lounge access.

Read our Capital One Venture X Rewards Credit Card review or jump back to this card’s offer details .

Best for travel beginners: Discover it® Miles

  • Best features : The lack of annual fees, foreign transaction fees and miles limits, plus the flexible redemption options make for a powerhouse travel card for beginners.
  • Biggest drawbacks : While this may not be a total dealbreaker for budget travelers and new cardholders, miles can’t be transferred to airline loyalty programs
  • Alternative : If you spend a lot on travel and dining, consider upgrading to a travel card with a modest annual fee ($95). The Chase Sapphire Preferred® Card costs $95 a year, but compared to a basic travel card, it can help you to maximize the amount of rewards you earn while also providing enhanced benefits like an annual hotel credit, trip cancellation and trip-interruption insurance and a complimentary DashPass subscription.
  • Bottom line : If you’re looking for a travel credit card but don’t want to get locked into confusing points offers or an annual fee, the Discover it Miles may just have what you’re looking for.

Read our Discover it® Miles review or jump back to this card’s offer details .

Best for restaurants worldwide: American Express® Gold Card

  • Best features : If you’re a foodie, this card’s generous rewards rates at both restaurants worldwide and U.S. supermarkets should make it easy to earn travel rewards on the purchases you make every day. Add in the value of its annual dining credits and Uber Cash and you can easily justify this card’s $250 annual fee.
  • Biggest drawbacks : The annual fee likely won’t be worth it unless you take advantage of its dining credits and redeem points for travel. If you’re looking for a lower-maintenance card, a no-annual-fee rewards card is probably a better option.
  • Alternatives : The Capital One SavorOne Cash Rewards Credit Card is a great no-annual-fee option ( See rates and Fees ) for foodies and cash back fans. You’ll earn rewards on dining, grocery stores, entertainment and more and can redeem for cash back or travel without worrying about point values.
  • Bottom line : This card is a great value if you want to earn travel rewards and benefit travelers who spend a good bit at restaurants and U.S. supermarkets and prefer to redeem rewards on travel versus cash back.

Related : Who should get the Amex Gold?

Read our American Express® Gold Card review or jump back to this card’s offer details .

Best for starter travel perks: American Express® Green Card

  • Best features : It comes with credits for Loungebuddy lounge access and Clear Plus — two practical benefits that offer a ton of value, even if you only travel occasionally. It also carries one of the most generous rewards rates out there on transit purchases.
  • Biggest drawbacks : Amex cards are less likely to be accepted abroad, so it could be risky to rely on this as your only card for international travel. Its perks will also fall short if you’re looking for unlimited lounge access worldwide — Loungebuddy isn’t available at all airports and the credits included with the card will only cover a few lounge visits.
  • Alternative : Believe it or not, the Capital One Venture X Rewards Credit Card could be an even better deal, despite its high annual fee of $395 ( See rates and Fees ). That’s because the Venture X comes with unlimited Priority Pass and Capital One lounge access for cardholders, an annual travel credit and anniversary bonus miles — enough value to easily offset the fee.
  • Bottom line : Thanks to its practical, high-value perks, this card should be worth it even if you only take a few flights per year.

Read our Amex Green card review .

What is a foreign transaction fee?

Foreign transaction fees are charges that credit card issuers and payment networks place on purchases made in a foreign currency or on purchases that involve a foreign bank. A foreign transaction can be a purchase processed through a foreign bank (such as when you buy something from a non-U.S. retailer website) or when you travel overseas, including when you use an ATM. Note that there can actually be multiple fees at a foreign ATM, including a flat-rate international ATM surcharge as well as an ATM access fee.

Usually, a credit card foreign transaction fee is around 3% of the purchase price. Of that 3%, your card issuer typically charges 2% for processing the transaction and the remaining 1% is for converting the transaction from one currency to another. To put this in perspective, a $100 purchase would cost you an additional $3 in foreign transaction fees.

Which credit cards work internationally?

You won’t have trouble using your credit card at home. In the U. S., the four major credit card networks – Visa, Mastercard, American Express, and Discover – have an acceptance rate of 99% or higher among merchants who accept credit cards. But it’s a different story overseas.

According to their respective websites, Visa, Mastercard, and Discover are accepted in over 200 countries and territories around the world. But Visa and Mastercard are more widely accepted at over 70 million merchant locations compared to Discover’s network of over 50 million merchants. And while American Express has made great strides to increase its international presence beyond 160 countries, it still doesn’t match the power of Visa or Mastercard.

But that doesn’t mean your Discover or American Express card won’t provide tremendous value when traveling abroad or making purchases with a foreign bank. It’s just a good idea to have a backup plan, which should include carrying a Visa or Mastercard, as well as your debit card for cash withdrawals and that rare occasion when a merchant doesn’t accept any credit card.

How to avoid foreign transaction fees

The easiest way to avoid foreign transaction fees is to use a credit card that doesn’t charge for overseas purchases. Why? Typically, in terms of convenience and security, credit cards are the best payment method .

When you use a credit card with no foreign transaction fee, you don’t just avoid an unnecessary fee that eats into your budget. You’ll have an easier time disputing credit card charges than you will debit card purchases or items paid for with cash. Your credit card may also come with built-in protections like extended warranty and purchase protection.

In addition to being safer to use, credit cards are also accessible, meaning anyone can avoid foreign transaction fees. There are credit cards that charge no foreign transaction fee for every credit score range. Take a look at the following cards that charge no foreign transaction fee, no annual fee, and offer a number of valuable consumer protections:

Best no foreign transaction fee credit cards for limited or no credit

  • Discover it® Student Cash Back
  • Capital One Platinum Secured Credit Card ( See rates and Fees )
  • Capital One Quicksilver Secured Cash Rewards Credit Card ( See rates and Fees )

Best no foreign transaction fee credit cards for bad credit

  • Discover it® Secured Credit Card
  • Chime Credit Builder Secured Visa® Credit Card

Best no foreign transaction fee credit cards for fair credit

  • Petal® 2 “Cash Back, No Fees” Visa® Credit Card
  • Capital One Platinum Credit Card ( See rates and Fees )
  • Capital One Walmart Rewards® Mastercard®*

Best no foreign transaction fee credit cards for good credit

  • Upgrade Cash Rewards Visa®
  • Marriott Bonvoy Bold® Credit Card
  • Capital One SavorOne Cash Rewards Credit Card ( See rates and Fees )

Best no foreign transaction fee credit cards for excellent credit

  • Alliant Cashback Visa Signature Credit Card
  • Capital One Quicksilver Cash Rewards Credit Card ( See rates and Fees )

Pros and cons of a no foreign transaction fee credit card

Pros of a no foreign transaction fee credit card.

  • You can rack up rewards . Some credit cards with no foreign transaction fees offer cash back rewards on popular spending categories in addition to travel cards offering points and miles.
  • You’ll have access to travel perks . Along with base rewards and no foreign transaction fees, premium travel credit cards typically offer trip cancellation insurance, supplemental auto insurance, free checked bags, airport lounge access and other notable amenities.
  • You’ll get a fair exchange rate . When you get your statement after buying something with a credit card in a foreign country, you’ll see that the charge has been converted to U.S. dollars. Your payment network will take care of the conversion, and you can usually be confident that you’re getting a fair exchange rate.

Cons of a no foreign transaction fee credit card

  • You may need to pay an annual fee . Annual fees are common among mid-tier and premium travel credit cards, which often don’t charge foreign transaction fees. When evaluating whether to get a card that carries an annual fee, it’s important to determine whether that fee can be offset or recouped with reward earnings, added perks, or if you can shoulder the added cost.
  • Your payment network may not have coverage . While Visa and Mastercard payment networks seem to be everywhere, some regions don’t accept certain credit card networks. When it’s time to travel, take credit cards from at least two different networks and always have cash on hand.

How to choose a no foreign transaction fee credit card

Who should get a no foreign transaction fee credit card.

  • The frequent international traveler . If you travel abroad somewhat regularly, credit card charges for foreign currency transactions can have a significant impact on your personal finances.
  • The international online shopper . You don’t necessarily have to travel in order to rack up foreign transaction fees. For someone who routinely shops at international online shops, those fees can really sting, especially once you factor in foreign shipping expenses.

Who should skip a no foreign transaction fee credit card

  • The balance carrier . Some cards in this category have APRs that are usually on the higher end of average, which can mean a lot when it comes to carrying a balance on the card and what purchases you make abroad. Make sure to be aware of what you’ll be charged if you can’t pay your bills off in full each month.

How to make the most of a no foreign transaction fee credit card

  • Contact your bank before you travel . Make sure to notify your bank before you travel, as banks will often freeze an account on suspicion of fraud if they detect unusual activity, such as a purchase being made thousands of miles from the cardholder’s address.
  • Come prepared with multiple cards . Whether you’re traveling domestically or abroad, your ability to use a credit card at a merchant depends on whether the merchant accepts that card’s payment network. If you’re planning to travel internationally and your primary card is American Express or Discover , it’s best to bring along a Visa or Mastercard as a backup.
  • Know how your rewards programs define “travel.” It’s important to pay attention to the specifics to get the most from your rewards credit card . Many rewards cards offer bonus points on smaller travel purchases, but issuers have their own definitions of travel. Some issuers put expenses such as rideshares and parking fees in the travel category, while others don’t.

Foreign transaction fees by card issuer

Below are the standard credit card foreign transaction fees for top issuers. Some issuers, like Capital One and Discover, elect not to charge a foreign transaction fee on any of their credit cards. Of course, even different cards from the same brand can vary in their fees.

Do I need a chip-and-PIN card for foreign transactions?

It’s a good idea for overseas travelers to have a chip-and-PIN card , but not necessarily a requirement.

Until a few years ago, U.S.-issued cards were swiped using magnetic stripe technology. Now, like Europe, our credit cards have an EMV chip . What happens after you insert the chip differs depending on where you are. While U.S. merchants will usually ask for your signature, European merchants may ask for a four-digit PIN.

The PIN provides an added layer of security and may be required at some overseas vendors — for example, at European train kiosks. Nowadays, however, most merchants can bypass the pin portion of the transaction if you don’t have one.

How we picked the best no foreign transaction fee credit cards

  • Rewards: rates, type, ease of redemption : There are a variety of people who can benefit from avoiding credit card foreign transaction fees, from small business owners to travel enthusiasts. We chose credit cards with high rewards rates in spending categories to match, like business rewards and travel benefits.
  • Travel perks : One reason you may be hoping to avoid foreign transaction fees is that you have international travel plans. Some of the travel perks you’ll find among our top credit cards with no foreign transaction fee include free checked bags, rental car insurance, airport lounge access and TSA PreCheck credits.
  • Sign-up bonus/welcome offer value : Many of the best credit cards with no foreign transaction fees also come with lucrative sign-up bonuses or welcome offers. We compared the value of cash back, airline mile and point bonuses to ensure you’re getting the most overall value from these picks.

Number of no foreign transaction fee cards we analyzed : 938

All criteria used : Rates and fees, rewards rates, rewards categories, sign-up bonuses, point values, redemption options, redemption flexibility, credit needed, travel benefits, transfer partners, international customer service, security, ease of application.

More information on credit cards with no foreign transaction fees

  • Best credit cards for international travel
  • Can you use a Discover card for international travel?
  • How to maximize your credit card rewards for international travel
  • Capital One Venture Rewards benefits guide ( See rates and Fees )

Frequently Asked Questions

What is the average foreign transaction fee + –.

Foreign transaction fees vary but are typically around 3% of any purchase made using an electronic form of payment outside of the United States or with a merchant that processes the transaction in a foreign currency.

When do you pay a foreign transaction fee? + –

When you make an overseas purchase, you may have to pay foreign transaction fees. This can happen when you travel abroad or make online purchases with vendors that are outside the U.S. If you’re using a credit card that charges foreign transaction fees, these charges will show up on your credit card statement at the end of your billing cycle. Just like any other statement, you’ll have at least 21 days before payment is due.

Do foreign transaction fees apply to online purchases? + –

Yes, it’s possible to get charged a foreign transaction fee on your online purchases. You’ll typically get hit with this surcharge whenever you make online purchases:

  • With an online retailer located outside the United States.
  • When the transaction processes in a foreign currency.
  • When the payment is processed by a foreign bank.

Do foreign transaction fees apply to debit cards, charge cards and gift cards? + –

Yes. Just like a credit card, you’re likely to get charged a foreign transaction fee when you make international purchases using debit cards, charge cards and gift cards. Fortunately, there are some steps you can take to avoid these unnecessary fees.

  • Don’t use gift cards for international purchases, as these usually charge foreign transaction fees.
  • Check with your bank to see if your account has no debit card foreign transaction or ATM fees.
  • Use a credit card or charge card that comes with no foreign transaction fees. The best cards with no foreign transaction fees have additional benefits like built-in protections that make credit cards safer to use than debit cards .

Does paying in U.S. dollars avoid a foreign transaction fee? + –

Even when paying a merchant in U.S. dollars, you could be charged a foreign transaction fee when making purchases abroad or if the transaction is processed through a foreign bank.

About the Author

Tracy Stewart

Tracy Stewart

Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.

About the Editor

Jeanine Skowronski

Jeanine Skowronski

Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She has previously served as the Head of Content at Policygenius, Executive Editor of Credit.com, Deputy Editor at American Banker, Staff Reporter at TheStreet and a columnist for Inc. Magazine.

About the Reviewer

Sally Herigstad

Sally Herigstad

Sally Herigstad is a certified public accountant, author and speaker who writes about personal finance for CreditCards.com. She also writes regularly for MSN Money, Interest.com, Bankrate and RedPlum.com, and has been a guest on Martha Stewart radio and other programs.

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Foreign transaction fees by issuer

What is a foreign transaction fee, pros and cons of credit cards with no foreign transaction fees, how to choose the right credit card with no foreign transaction fees , tips for using a credit card when traveling internationally, alternative to credit cards with no foreign transaction fees, how to apply for a credit card without a foreign transaction fee, other credit cards we researched, the bottom line, our methodology, best credit cards with no foreign transaction fees for july 2024.

Foreign transaction fees limit some of the convenience of using a credit card while traveling overseas, so consider one without these fees.

Dashia Milden

Dashia Milden

Dashia is a staff editor for CNET Money who covers all angles of personal finance, including credit cards and banking. From reviews to news coverage, she aims to help readers make more informed decisions about their money. Dashia was previously a staff writer at NextAdvisor, where she covered credit cards, taxes, banking B2B payments. She has also written about safety, home automation, technology and fintech.

Liliana Hall

Associate Writer

Liliana Hall is a writer for CNET Money covering banking, credit cards and mortgages. Previously, she wrote about personal credit for Bankrate and CreditCards.com. She is passionate about providing accessible content to enhance financial literacy. She graduated from the University of Texas at Austin with a bachelor's degree in journalism, and has worked in the newsrooms of KUT and the Austin Chronicle. When not working, she is probably paddle boarding, hopping on a flight or reading for her book club.

Courtney Johnston

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Courtney Johnston is a senior editor leading the CNET Money team. Passionate about financial literacy and inclusion, she has a decade of experience as a freelance journalist covering policy, financial news, real estate and investing. A New Jersey native, she graduated with an M.A. in English Literature and Professional Writing from the University of Indianapolis, where she also worked as a graduate writing instructor.

Julia Menez

Julia Menez

Credit card expert and host of the Geobreeze Travel Podcast

Julia Menez is a points strategy coach, speaker, and host of the Geobreeze Travel Podcast. Through her podcast and social media channels, she distills the strategies from top award travelers around the world and creates step-by-step tutorials for how you can make the most out of your points and miles.

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Chase Sapphire Preferred® Card

We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card's reward potential, the value you get compared to the card's cost, the benefits and the card's rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards

CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Wells Fargo Autograph℠ Card

  • Chase Sapphire Preferred® Card: Best overall credit card with no foreign transaction fees
  • Wells Fargo Autograph℠ Card: Best travel rewards with no annual fee
  • American Express® Gold Card: Best for international dining
  • Capital One Quicksilver Cash Rewards Credit Card: A flat-rate everyday credit card
  • Capital One Venture Rewards Credit Card: A flat-rate travel rewards card
  • Citi Strata Premier℠ Card: A great everyday card for a $95 annual fee
  • Capital One SavorOne Cash Rewards Credit Card: Best for travelers on the go
  • Discover it® Miles: Best welcome bonus with no foreign transaction fees
  • Capital One QuicksilverOne Cash Rewards Credit Card: For building credit while overseas

Many credit cards charge foreign transaction fees, but most competitive rewards and travel cards don’t. However, just because a credit card doesn’t charge a foreign transaction fee doesn’t mean it’s the best fit for your wallet. Some cards may have other fees that are more costly and occasionally recurring. Look at the card as a whole and review other factors, like rewards rates, annual fees, introductory offers, welcome bonuses and other perks before deciding if a card is right for you.

Choosing a credit card to use on an international trip can be complicated – especially if you want to maximize your rewards while avoiding foreign transaction fees. But you can avoid these fees using a credit card that doesn’t charge them and instead focus on other factors, such as base rewards, travel-related perks and annual fees.

International travel is expensive enough without getting foreign transaction fees into the mix. These fees -- usually 2% to 5% of any transaction made in a foreign currency -- might not seem like much, but depending on the length of your trip, they could start to add up.

Luckily, many of the best travel credit cards don’t charge foreign transaction fees. Plus, credit cards offer beneficial rewards and perks like fraud and purchase protections. They also make converting money to the local currency more convenient. Here are some of the best credit cards with no foreign transaction fees to help you save the next time you travel outside the US.

Chase Sapphire Preferred® Card

We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards

The Chase Sapphire Preferred® Card has one of the best value propositions of travel credit cards. It starts with no foreign transaction fees, but the rewards program and welcome bonus are also best in its class. Points are worth 1 cent each if you redeem them for a statement credit, but they’ll be worth 25% more if you redeem your rewards for travel booked through Chase Travel℠. The Sapphire Preferred also includes trip cancellation and interruption insurance, an auto rental collision damage waiver and lost luggage insurance. While many travel credit cards offer some of this coverage, they rarely offer the full spread.

Read our Chase Sapphire Preferred review .

Wells Fargo Autograph℠ Card

While most travel credit cards focus on flight and hotel purchases, the Wells Fargo Autograph Card also provides rewards on taxis, subways, tolls, restaurants, phone plans and gas stations. You earn the standard 3x rewards rate on all of those categories plus popular streaming services. Plus, you can earn 1x points on other purchases.

The welcome bonus is also on par with what you’ll get from most credit cards with no foreign transaction fees or annual fee. You can earn 20,000 bonus points -- worth a $200 cash redemption value -- when you spend $1,000 in purchases in the first three months.

For more information about this card’s offer, see our  Wells Fargo Autograph Card review .

Earn rewards for popular expenses

Introductory purchase APR to help avoid interest charges for a time

Easy-to-reach spending threshold for the welcome offer

No annual fee

Rewards cards can lead to overspending

Missing a credit card payment can damage your credit

American Express® Gold Card

The American Express Gold Card’s $250 annual fee may be higher than most cards on this list, but its rewards structure is solid for frequent travelers (and you won’t pay foreign transaction fees; see rates and fees ). You’ll earn 4x Membership Rewards points at restaurants, and 3x Membership Rewards points on flights booked directly with the airline or on amextravel.com. Points are worth 1 cent each when you redeem them for flights through American Express Travel. Transferring your points to an airline partner also can yield a one-to-one transfer value.

Check out our full American Express Gold Card review .

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card* offers flat-rate rewards on purchases, making it a good everyday credit card that you can also use on trips abroad. You’ll earn 1.5% on all purchases -- and 5% on car rentals or hotels booked via the Capital One Travel portal. The sole travel benefit is no foreign transaction fees. But you can still take advantage of the competitive introductory APR and welcome bonus.

For more information, see our  Capital One Quicksilver review .

Capital One Venture Rewards Credit Card

Capital One loads the Capital One Venture Rewards Credit Card* with plenty of travel perks to offset the $95 annual fee. Travel anywhere without any foreign transaction fees and earn 2x unlimited miles on all purchases. In addition, Capital One awards you up to a $100 statement credit for Global Entry or TSA PreCheck to help you speed through the airport lines. Venture Miles earned can be redeemed on flights and hotels or used to pay for Amazon.com and PayPal purchases. You can also transfer miles to more than 15 hotel and airline programs.

Check out our full review of the  Capital One Venture Rewards Credit Card .

Citi Strata Premier℠ Card

The Citi Strata Premier℠ Card and the Chase Sapphire Preferred Card have the same $95 annual fee. The Citi Strata Premier Card offers higher reward rates on everyday spending categories as well as general travel purchases. If you redeem your points as a statement credit via Citi’s thankyou.com website, your points will be worth 1 cent each.

And the welcome bonus is among the best available, though the spending threshold is on the higher side: 70,000 bonus points -- redeemable for $700 in gift cards or travel rewards at thankyou.com -- when you spend $4,000 in the first three months. And, of course, there are no foreign transaction fees.

For more information, refer to our Citi Strata Premier Card review .

Capital One SavorOne Cash Rewards Credit Card

For a credit card with no annual fee or foreign transaction fees, the Capital One SavorOne Cash Rewards Credit Card* delivers competitive rewards. You’ll earn 3% cash back on a handful of major categories: dining, entertainment, grocery stores (excluding superstores like Target and Walmart) and popular streaming services. And you can earn 8% cash back on Capital One Entertainment purchases, 5% back on hotel and rental car bookings made through Capital One Travel and 1% on all other purchases. You also get 10% cash back on purchases with Uber and Uber Eats, plus a complimentary Uber One membership through Nov. 14, 2024.

For more details about the rewards, welcome bonus and introductory APR, see our  Capital One SavorOne review .

Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

The Bank of America® Travel Rewards credit card* doesn’t come with foreign transaction fees or an annual fee. You’ll earn 1.5 points for every dollar you spend, with no limit or restrictions. This card offers 0% introductory APR for 15 billing cycles on purchases and on any balance transfers made in the first 60 days (19.24% to 29.24% variable APR thereafter), providing some wiggle room to help finance a trip or pay down a large balance.

See our full review of the  Bank of America Travel Rewards card  for more information.

Discover it® Miles

The Discover it® Miles* card offers an excellent welcome bonus after your first year as a cardholder. All Discover cards have no foreign transaction fees, but this one ensures all your international spending is optimized for rewards -- you earn 1.5 miles per dollar on all your purchases. While you don’t have to meet any minimum spending thresholds to unlock this welcome bonus like with most other credit cards, you do have to be patient to earn it. Discover will match all of the miles you earn over the course of the first year at the end of your first year.

Capital One QuicksilverOne Cash Rewards Credit Card

Most cards with low fees and perks are reserved for individuals with stellar credit. The Capital One QuicksilverOne Cash Rewards Credit Card* fills an important gap by giving people with limited or fair credit a chance to get started or build with responsible use. Use this card wisely -- you’ll automatically get considered for a credit limit increase as soon as six months from approval, potentially boosting your credit score. Spend wisely, enjoy the cash back, make your payments on time and take advantage of unlimited access to your credit report through CreditWise. You’ll start to see over time how good financial decisions can improve your credit.

A foreign transaction fee is a fee charged by a credit card issuer or bank for purchases made outside the US. Foreign transaction fees generally cost between 2% and 5% of each transaction, but 3% is standard. Depending on which currency you make a purchase in, this fee may increase or decrease. And these fees can add up quickly during a getaway.

For example, if you use a credit card that charges foreign transaction fees to pay for a $40 dinner abroad, you’ll pay between 80 cents and $2 more, depending on your card’s foreign transaction fee rate.

Before you apply for a credit card with no foreign transaction fees, you should consider the benefits and potential pitfalls with this kind of card.

Avoid paying fees for transactions made in a foreign currency. 

Credit cards offer fraud and purchase protections.

Convenient payment option that converts foreign currency automatically.

Credit cards with no foreign transaction fees may charge annual fees.

Credit cards may not be accepted at certain merchants or in some countries.

Travel credit cards may not offer as many benefits beyond the travel rewards. 

Many travel credit cards do not charge foreign transaction fees, but the list of potential fees won’t stop there. Before opening a credit card with no foreign transaction fees, compare all of your options and watch for other fees -- like annual fees or merchant fees -- you might incur. Some factors to consider include:

  • Annual fees: Credit cards that offer more premium perks generally have an annual fee , but often forgo foreign transaction fees. These cards usually come with statement credits, welcome bonuses , discounts and complimentary memberships to offset the charge. Annual fees can range from $0 to hundreds of dollars, so it’s important to weigh whether a card’s rewards and benefits provide enough value to justify its cost . For example, if a hotel card charges $95 per year but comes with an annual free hotel night, so long as you use it for a hotel that would normally cost more than $95, the benefits would outweigh the card’s cost.
  • Rewards: If you’re using your credit card abroad, you may benefit from earning in your rewards categories -- such as dining, gas and entertainment. Make sure you choose a rewards credit card that complements your spending habits, so you don’t have to adjust or juggle multiple cards on your trip. The rewards you earn while traveling may be helpful toward your next trip. For example, points earned with issuers like Chase, American Express and Capital One can be used with a variety of airline and hotel partners.
  • Traveling perks: With the right travel credit card, you’ll not only benefit from its standard base rewards structure, but some top-tier rewards cards offer other benefits, like trip insurance, boosted travel rewards, TSA PreCheck or Global Entry credits, airport lounge access and more. For example, the Capital One Venture X Rewards Credit Card * includes an annual $300 travel credit to use through the Capital One portal, plus you will receive automatic top-tier Hertz President’s Circle** status and access to both Capital One and Priority Pass airport lounges.

International travel can be complicated if you don’t take a few extra steps to minimize the cost of spending money while abroad. In addition to using a card with no foreign transaction fees to eliminate unnecessary fees, there are some other ways you should prepare for a trip out of the country. 

“Before taking off for a trip, make sure that you have a debit card to access cash at an ATM, which is the easiest and least expensive way to access your money abroad,” said Jason Steele, a credit card industry expert. 

And if you’re going to use a credit card -- even one with no foreign transaction fees -- you’ll want to let your card issuer know you’ll be out of the US. Although card issuers no longer require you to inform them when you’re traveling abroad, many experts recommend taking this step as a precaution. This ensures your card company knows your transactions are authorized and not fraudulent. “Make sure to let the card issuers know the dates you will be traveling and the countries you’ll be visiting to prevent any false alarm over suspected fraud,” Steele said.

 Here are some other steps you should take before hopping on a plane:

  • Take at least two credit cards and keep them in separate places, in case your wallet is lost or stolen.
  • Sign up for email or text alerts about charges to monitor your card purchases.
  • If your card has no transaction fees and you’re prompted to choose the payment currency, choose to pay in local rates instead of dollars -- you’ll get your bank’s wholesale exchange rate, which would be more favorable than the merchant’s.
  • Get familiar with the exchange rate for the country you’re visiting so you know how much you’re actually spending.

If you don’t travel outside the US often, a credit card with no foreign transaction fees may not offer the maximum benefits for you. To find a card with the benefits and perks that best fit your budget and spending style, pick one of the best credit cards . For example, the Chase Sapphire Preferred is one of the most popular starter travel cards for people looking to earn more points and miles. Along with other travel benefits, the Chase Sapphire Preferred doesn’t have any foreign transaction fees.

If you do travel internationally, a credit card still may not be the best option if you travel to countries whose businesses still conduct most of their transactions in cash. Even in countries where credit cards are widely accepted, some restaurants and small businesses require a minimum purchase -- usually the equivalent of $10 or more -- to accept a credit card. That’s why it’s a good idea to carry a debit card.

By using your debit card to withdraw cash at an ATM in a foreign country, you’ll get the bank’s wholesale rate, as long as you decline any currency conversions the ATM offers to make for you. But remember to ask your bank about any international ATM fees before you travel.

Follow these steps to apply for a credit card.

  • Choose a card that fits into your budget and travel goals
  • Follow the appropriate link above to be taken to the credit card issuer’s secure site
  • Fill out the appropriate financial and personal information including your name, address, date of birth, Social Security number, income, and monthly rent or mortgage payment
  • Use the card responsibly and always pay on time
  • Capital One VentureOne Rewards Credit Card *
  • Discover it® Cash Back *
  • Chase Sapphire Reserve®
  • The Platinum Card® from American Express

It’s not unusual for credit card issuers to charge foreign transaction fees, but it’s easy enough to avoid with the right credit card. If you travel abroad frequently, a credit card with no foreign transaction fees can save you money each time you use it. Some of the best travel and rewards credit cards not only void foreign transaction fees, but some even let you earn boosted travel rewards and benefits.

Our top choice is the Chase Sapphire Preferred® Card. It charges no foreign transaction fees and provides access to a flexible, lucrative rewards program and useful card perks.

Card issuers or banks charge foreign transaction fees to cover the cost of exchanging a purchase from the foreign currency to US dollars. If you make a purchase in foreign currency, it’s likely you will be charged for the conversion unless you have a no-transaction-fee credit card.

One way to avoid having to pay a foreign transaction fee when you’re traveling abroad is to choose to pay in US dollars. Many store credit card terminals will recognize your foreign card and prompt you to choose whether you’d like to pay in the local currency or US dollars. If you choose local currency, you may have to pay your bank or card issuer the transaction fee to exchange it. However, if you choose to pay in US dollars, there’s no conversion to be performed.

Keep in mind that if you choose to pay in US dollars, you may save on the transaction fee, but the foreign merchant bank may still tack on a commission for the exchange. The best way to avoid unnecessary fees is to pay with a credit card with no transaction fees.

Mastercard, Visa, American Express and Discover are the four major credit card processors . Visa and Mastercard are the two most widely accepted credit cards around the world and are your best bet if you intend to travel overseas and pay for goods with a credit card.

American Express may be popular in the US, but it’s not as widely accepted abroad -- and Discover is even less accepted outside the US. It’s a good idea to carry a Mastercard or Visa as a backup if your primary card is American Express or Discover.

If your credit card does charge foreign transaction fees, you should select to pay in the local currency instead of in US dollars when using your card abroad. This way your credit card network will handle the conversion. Otherwise, the merchant selects the exchange rate (known as dynamic currency conversion) to convert the cost of the item, which may result in a higher cost.

CNET reviews credit cards  by exhaustively comparing them across set criteria developed for each major category, including cash back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone’s financial situation is different -- and the designated function of a card. 

For cash-back credit cards, for example, key factors include the annual fee, the “welcome bonus” and the cash-back rate (or rates, if they differ by spending category). For rewards and miles cards, we calculate and weigh the net monetary value of a card’s respective perks. And with balance transfer credit cards, we analyze specs such as the duration of the introductory 0% APR period and the balance transfer fee, while acknowledging secondary factors such as the standard APR and the length of time you have to make a balance transfer after you open the account.

For rates and fees of the American Express Gold Card, click here .

*All information about the Discover it Miles, Discover it Cash Back, Capital One Venture Rewards Credit Card, Capital One Venture X Rewards Credit Card, Capital One Quicksilver Cash Rewards Credit Card, Capital One SavorOne Cash Rewards Credit Card, Bank of America Travel Rewards credit card, Capital One QuicksilverOne Cash Rewards Credit Card, Capital One VentureOne Rewards Credit Card and Discover it® Cash Back has been collected independently by CNET and has not been reviewed by the issuer.

**Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply .

This article includes some material that was previously published on NextAdvisor, a CNET Money sister site that was also owned by Red Ventures and which has merged with CNET Money. It has been edited and updated by CNET Money editors.

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The 12 Best No Foreign Transaction Fee Credit Cards for Travelers [2024]

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The 12 Best No Foreign Transaction Fee Credit Cards for Travelers [2024]

Table of Contents

What you should know about foreign transaction fees, the 7 best personal travel rewards cards with no foreign transaction fees, the 3 best no-annual-fee travel rewards cards with no foreign transaction fees, the 2 best business travel rewards cards with no foreign transaction fees, everything else you need to know, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

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Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies .

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If you’re a frequent international traveler, you’re probably familiar with foreign transaction fees, those pesky extra fees charged by your credit card company on every purchase you make outside of the U.S.

The fees can also be charged on transactions made with foreign banks, even if you’re making the purchase from the U.S. For example, if you purchase an airline ticket from a foreign company, you may be charged a foreign transaction fee.

Foreign transaction fees are widely unpopular, especially with travelers frequently paying their foreign expenses with credit cards. As a result, the list of credit cards that don’t charge these fees is growing as issuers introduce new card products without foreign transaction fees and remove them from some existing cards.

Let’s take a look at these fees and the best cards you can use to avoid them.

What Is a Foreign Transaction Fee?

Foreign transaction fees are assessed by your credit card issuer on any transaction processed by a foreign bank. The common rate is around 3% of the total foreign purchase amount , and there is no limit to how much can be charged.

These fees are perfectly legal, but more and more credit card companies are eliminating them because informed travelers choose credit cards that don’t charge foreign transaction fees.

How To Find Out if a Credit Card Charges a Foreign Transaction Fee

In some cases, the promotional summary for a credit card doesn’t disclose whether there is a foreign transaction fee charged on the card. You may need to dig deeper to find out for certain.

Fortunately, all of the financial information you need can be found in what’s known as a Schumer box. It’s named after then-U.S. Rep. Chuck Schumer (now a senator), the New York congressman responsible for the legislation that requires credit card companies to clearly disclose costs and terms associated with each card.

All credit card companies must use a standard format for the Schumer box, so comparing cards became much easier after this legislation was passed in 1988.

For a credit card you’re considering, you can review the Schumer box online for that specific card by clicking on a link titled:

  • Rates and Fees
  • Terms and Conditions
  • Pricing and Rates
  • Interest Rates and Fee Summary
  • … or a link with a similar name

Here’s what you see in the Schumer box if the credit card you’re researching does not charge a foreign transaction fee:

travel credit cards with no foreign transaction fees

Here’s an example of a section of the Schumer box for a credit card that does charge a foreign transaction fee:

travel credit cards with no foreign transaction fees

Determining if your existing credit card charges a foreign transaction fee:

  • Call Your Credit Card Company — Contact your credit card company and ask whether your card charges a foreign transaction fee by calling the phone number printed on the back of your card.
  • Review Your Paper Cardholder Agreement — When you received your new credit card in the mail, a cardholder agreement was included. In the agreement, there’s a chart similar to the ones illustrated above that lists all the fees assessed on your card.
  • Access Your Account Online — Sign in to your online credit card account to access your cardholder agreement, which will include a breakdown of all fees and charges.

Bottom Line:  While a 3% foreign transaction fee might not seem like much, it can add up quickly, whether you’re a frequent traveler or just take 1 big trip a year. In any case, by selecting a credit card without the fees, you won’t come home to a billing statement full of additional foreign transaction charges on your purchases!

Selecting a credit card that doesn’t charge foreign transaction fees is a real benefit for the traveler. But there are so many credit cards in the marketplace without these fees that savvy travelers choose a card that delivers even more benefits.

Let’s look at our picks for some of the top cards for international travel that have no foreign transaction fees.

The Platinum Card ® from American Express

The Platinum Card® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply With Confidence

Know if you're approved with  no credit score impact.

If you're approved and accept this Card, your credit score may be impacted.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
  • $695 annual fee ( rates and fees )
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck ® application fee for a 5-year plan only (through a TSA PreCheck ® official enrollment provider), when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees:  None

American Express Membership Rewards

Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card is the go-to card for luxury travel benefits . With premier access to airport lounges worldwide , complimentary hotel elite status, car rental program benefits , and a long list of travel insurance benefits , it’s to be expected that this premium travel rewards card wouldn’t charge fees on foreign transactions ( rates & fees ).

Add in the hundreds of dollars of savings in the form of statement credits for specific purchases and the card easily earns a place in any frequent traveler’s wallet.

Read our review to find details on the Amex Platinum card foreign transaction fees.

American Express ® Gold Card

American Express® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

The American Express ® Gold Card  is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
  • $250 annual fee (see rates and fees )
  • No lounge access
  • Earn 60,000 Membership Rewards ® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards ® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards ® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards ® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express ® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.

Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Gold card has an identity problem. On one hand, it shines as an everyday rewards-earning card for spending at restaurants and at U.S. supermarkets, but on the other, also rewards specific travel purchases. And, at redemption time, Membership Rewards points earned on the card are there for good-value travel redemptions whether via AmexTravel.com or transferring points to the Amex transfer partners .

We like that the card is so diverse and also that it also offers a generous upfront welcome bonus offer.

Bottom Line:  The American Express collection of cards with no foreign transaction fee offers strong benefits for the frequent traveler and options equally suited to those with loyalty to a specific brand. A combination of cards could offer the perfect umbrella of benefits for the frequent traveler. See our full list of Amex credit cards if you’re looking for even more choices from American Express.

Chase Sapphire Reserve ®

Chase Sapphire Reserve®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC
  • APR: 22.49%-29.49% Variable

Chase Ultimate Rewards

It’s difficult to compete with the Amex Platinum card when it comes to premium travel rewards cards, but the Chase Sapphire Reserve card also earns a nod as one of the best travel rewards cards.

We like that cardholders receive a $300 statement credit for travel purchases each year and that the card comes with complimentary Priority Pass Select membership that will give you access to over 1,400 airport lounges worldwide.

It’s not difficult to realize significant value with the card if you’re a frequent traveler, especially when earning and redeeming valuable Ultimate Rewards points for great value.

Chase Sapphire Preferred ® Card

Chase Sapphire Preferred® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • APR: 21.49%-28.49% Variable

As one of our favorite travel rewards cards, the Chase Sapphire Preferred card is a perfect choice for your first travel rewards-earning card. Not only do you receive elevated earnings on dining and travel, at redemption time you receive 25% more in value for your points via the Chase Travel portal .

If your travel goals include enjoying a business or first class flight across the ocean, you’ll be pleased when transferring points to Chase airline and hotel partners . Plus, the card offers a grand collection of travel protections and benefits .

Bottom Line:  The Chase Sapphire Preferred card and the Chase Sapphire Reserve card earn valuable Chase Ultimate Rewards points that can be redeemed for travel for up to 50% more in value through the Chase Travel portal or transferred to hotel and airline partners for even greater potential value.

Wells Fargo Autograph Journey℠ Card

Wells Fargo Autograph Journey℠ Card

A powerful point earning card with access to transfer partners.

The Wells Fargo Autograph Journey SM Card is an excellent option for those looking for a great all-around travel rewards card that offers bonus categories on hotels, airfare, travel, and dining, giving you the opportunity to earn points on these purchases quickly.

Plus the card offers flexible redemption options including access to transfer partners, an annual credit towards airfare, and no foreign transaction fees ( rates & fees ).

  • 5x points on hotels
  • 4x points on airfare
  • 3x points on other travel and restaurants
  • $95 annual fee
  • List of transfer partners is smaller than competing programs
  • Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
  • Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
  • $95 Annual Fee.
  • Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
  • Earn a $50 annual statement credit with $50 minimum airline purchase.
  • Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature ® Concierge.
  • APR: 21.24%, 26.24%, or 29.99% Variable APR

The Wells Fargo Autograph Journey card is an excellent all-around travel rewards credit card thanks to its earning power on a variety of purchases such as 5x points on hotels, 4x points on airfare, and 3x points on restaurants and all other travel.

Beyond that, cardholders receive a $50 annual statement credit with a $50 minimum airline purchase, protection like cell phone insurance, auto rental collision damage waiver, lost baggage reimbursement, and access to Wells Fargo transfer partners .

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

  • 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
  • 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
  • $100 annual hotel benefit
  • Earn 70,000 bonus ThankYou ® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
  • APR: 21.24%- 29.24% Variable APR

You have lots of earning power with 3x points at restaurants, gas stations, EV charging stations, supermarkets, hotels, and air travel.

You have choices at redemption time, too, when your ThankYou Points can be redeemed for travel, merchandise, and gift cards or transferred to travel partners .

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

The Capital One Venture Rewards Credit Card   is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
  • $95 annual fee ( rates & fees )
  • Limited elite benefits
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck ®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • APR: 19.99% - 29.99% (Variable)

Capital One Miles

The Capital One Venture card earns 2x miles per dollar spent on every purchase you make.

At redemption time, you can purchase travel via Capital One Travel , or transfer miles to airline partners .

No foreign transaction fee credit cards that offer the highest levels of rewards and benefits typically charge an annual fee. However, there are plenty of no foreign transaction fee cards that do not charge an annual fee.

Here’s a sampling of those cards:

Hilton Honors American Express Card

Hilton Honors American Express Card

Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!

You can’t beat a comfy king-sized bed and room service. For many travelers, it’s the hotel that really makes or breaks an experience. If you’re one of those people, you’ve probably stayed at a Hilton hotel.

Whether your visits are for work or pleasure, the Hilton brand has you covered with more than 6,200 locations in 100 counties and territories.

To enjoy a host of great benefits, you may want to apply for the Hilton Honors American Express Card .

  • 7x points per $1 on Hilton stays
  • 5x points per $1 at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
  • 3x points per $1 on all other purchases
  • Not great for those who want multiple redemption options
  • Offers the least benefits of all Hilton cards
  • Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.
  • APR: 20.99%-29.99% Variable

Hilton Honors Loyalty Program

The Hilton Honors card works best for earning lots of Hilton Honors points to redeem for free hotel nights and securing entry-level Hilton Honors elite status.

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.

But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?

  • No annual fee ( rates & fees )
  • No foreign transaction fees ( rates & fees )
  • Ability to use transfer partners
  • Weak earn rate at 1.25x miles per $1 spent on all purchases
  • No luxury travel or elite benefits
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
  • APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months

The Capital One VentureOne card keeps it simple when it comes to earning rewards, with 1.25 miles earned per dollar spent on every purchase you make.

You then have several options at redemption time, including purchasing merchandise or gift cards. For the potential of greater value, you can also transfer miles to travel partners.

Bank of America ® Travel Rewards Credit Card

We like that the Bank of America Travel Rewards card offers unlimited 1.5x points for every dollar spent , has a $0 annual fee, and has no foreign transaction fees.

Bank of America® Travel Rewards Credit Card

The Bank of America Travel Rewards card is a great option for those who want an easy way to earn travel rewards without paying an annual fee.

The Bank of America ® Travel Rewards credit card  is a great option for those looking to dip their toe into the world of travel rewards cards, without paying an annual fee.

The card makes earning points and redeeming them for travel super easy for cardholders.

  • 1.5x points per $1 you spend on all purchases
  • No annual fee
  • No foreign transaction fees
  • Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized redemptions
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening –  that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers made within the first 60 days, and a 4% fee applies thereafter.
  • If you’re a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards – The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
  • APR: 0% Introductory APR for 15 billing cycles for purchases. After the intro APR offer ends, 18.24% - 28.24% variable will apply.

One big reason we like this card is that if you’re a Preferred Rewards member you can earn 25% to 75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87 to 2.62 points for every $1 you spend on purchases.

Bottom Line: You don’t have to pay an annual fee to secure a credit card that doesn’t charge foreign transaction fees!

If you own a business, even a small business, that involves travel, you certainly want a travel rewards card that doesn’t charge foreign transaction fees.

Here are 2 of the best business travel rewards cards available.

Ink Business Preferred ® Credit Card

Ink Business Preferred® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

The Ink Business Preferred ® Credit Card is a powerhouse for earning lots of points from your business purchases , especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance , rental car insurance, purchase protection, and more.

  • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
  • Cell phone protection
  • Purchase protection
  • No elite travel benefits like airport lounge access
  • Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • APR: 21.24%-26.24% Variable

You want your highest business expenses to earn rewards, and the Ink Business Preferred card delivers. It has a nice collection of travel benefits and plenty of flexible options at redemption time to ensure you receive top value for Ultimate Rewards points earned on the card.

We like the card for its stellar level of benefits, including cell phone protection , compared to its lower annual fee.

The Business Platinum Card ® from American Express

The Business Platinum Card® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

The Business Platinum Card ® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges , along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
  • High annual fee of $695 ( rates & fees )
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 150,000 Membership Rewards ® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards ® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card ® . Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card ® , here.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
  • $189 CLEAR ® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR ® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card ® .
  • The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • APR: 19.49% - 28.49% Variable

Hot Tip:  Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

With international airport lounge access and a 35% rebate when using Membership Rewards points for flights, the frequent business traveler could find tremendous value with the Amex Business Platinum card.

You get hundreds of dollars in statement credits for specific purchases and earnings of 1.5x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else  (up to $2 million in purchases per calendar year).

If you’d like to learn more about these 2 popular business travel rewards cards, check out our in-depth comparison of earnings, redemption options, benefits, and more.

Bottom Line:  Select a no foreign transaction fee business credit card based on the spending profile of your business to maximize earning rewards. Make sure the spending levels of your business offset any annual fees and that your travel is frequent enough to maximize the travel benefits offered with each specific card. 

Please note that any additional benefit information we’ve provided is abbreviated and for general comparisons only.

All of the cards reviewed earn at least 1 point or mile per dollar spent on every purchase, so we’ve only included earnings in the additional benefits section that exceed this level.

You can see a complete list of benefits and current card offers is provided when you access each credit card summary page individually. Additional terms and conditions apply.

Hot Tip:  With so many different issuers providing cards without foreign transaction fees, it’s not a bad idea to familiarize yourself with each bank’s specific rules prior to applying. 

Once you’ve selected a credit card that charges no foreign transaction fees, make sure you minimize the plethora of other fees you might incur when securing foreign currency abroad (or simply paying for your foreign purchase with a credit card).

You may be surprised to learn that you can be hit with several fees as a result of 1 simple foreign transaction!

Cash Advances Abroad

While using your no foreign transaction fee credit card for purchases when traveling is a smart move, using that same credit card to secure a cash advance when you’re traveling can trigger additional fees and interest charges .

In an emergency, it’s good to know that a cash advance is an option, but it’s also important to understand the potential cost of doing so, even on a card that doesn’t charge a foreign transaction fee.

Currency Conversion Fees

The term “currency conversion fees” is frequently used interchangeably with “foreign transaction fees,” but there is a difference.

Converting foreign currency costs money. When your bank is charged by the processing network (such as Visa or Mastercard) for converting your purchase made in foreign currency to U.S. dollars, it passes the expense on to you.

In some cases, the foreign transaction fee your bank charges you includes the currency conversion fee they have been charged (usually around 1%). The bank can also tack on additional fees, bringing the total to around 3%.

Bottom Line:  Foreign transaction fees are just one of the charges you need to be aware of when paying for foreign purchases with your credit card and securing foreign currency while traveling. Referencing your credit card’s Schumer box before traveling can help you avoid some of these fees. 

Dynamic Currency Conversion

When you check out of your hotel or are presented with your dining bill in a foreign country, it might seem convenient that the total amount is already converted from the foreign currency to U.S. dollars. There’s no need to do any calculations to determine how much you’ll be paying — it’s been done for you!

This practice of presenting the bill in your home credit card’s currency (in this case U.S. dollars) is known as “ dynamic currency conversion .” While it might seem convenient and harmless, the end results are not in your favor .

For example, let’s say you receive your foreign restaurant tab and there are 2 options for paying: You can select $106 or €86. You might do a quick calculation, think the totals make sense from a conversion perspective, and just pay the bill in U.S. dollars. Unfortunately, if you had paid €86, your U.S. bank would process the currency exchange based on the current rate — which in this case is closer to $96 (versus the higher $106 option on your bill).

Paying in U.S. dollars abroad adds a layer of cost to the transaction: U.S. dollars have to be converted to the local currency to pay the merchant, then back to U.S. dollars to bill you on your credit card.

When using a credit card, always pay your bill in the local currency of the country you’re in to ensure you get the best currency conversion rate.

Bottom Line:  Never pay in U.S. dollars when using your credit card in a foreign country! If your bill is presented in U.S. dollars, ask that it be voided and changed to reflect the amount in local currency. If both options are available on the receipt, be sure the U.S. dollars option isn’t already checked before you sign the receipt. 

Foreign ATM Fees

You may think you could avoid foreign transaction fees by using your debit card to withdraw money from foreign ATMs when traveling abroad. This is a logical assumption, plus ATMs are usually conveniently located and facilitate an easy transaction. But foreign ATMs can charge exorbitant fees.

Even if the foreign ATM fee is reasonable, your bank may add on foreign transaction fees, currency conversion fees, an out-of-network ATM fee, or other transaction fees.

Some banks (such as Charles Schwab Bank and Capital One 360) reimburse these fees, and other banks allow a limited number of no additional fee transactions per statement period.

Bottom Line:  To minimize bank charges when abroad, review the fee disclosures associated with your debit card before you travel, and try to limit your withdrawals to 1 per trip. You can also open an account that reimburses ATM fees or allows a limited number of no additional fee withdrawals per month.

With the vast selection of credit cards that do not charge foreign transaction fees, it should be easy to find an appropriate card for your travel expenses that avoids these fees.

Remember to look at the Schumer box for any credit card you’re considering, and learn about the fees charged on your current credit card before you travel.

With just a small amount of research, you can minimize the fees that make international travel more expensive and avoid returning home to a credit card statement full of unexpected charges.

For Capital One products listed on this page, some of the above benefits are provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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The Best No Foreign Transaction Fee Credit Cards For Travelers (A Head to Head Review)

The information regarding the Bank of America ® Travel Rewards credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Strata Premier℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of the American Express ® Gold Card, click  here . For rates and fees of the Hilton Honors American Express Card, click here . For rates and fees of The Business Platinum Card ® from American Express, click here .

Frequently Asked Questions

How do foreign transaction fees work.

A foreign transaction fee is a fee charged by your credit card issuer on every purchase you make that is processed through a foreign bank.

You can even be charged a foreign transaction fee if you’re in the U.S. and make a purchase with a foreign merchant in foreign currency. The fee is calculated as a percent of your total purchase, usually around 3%.

How can I avoid foreign transaction fees?

You can avoid foreign transaction fees by always using a card that does not charge them for your foreign purchases

Which credit cards have no foreign transaction fees?

The majority of credit cards today don’t charge foreign transaction fees, and we’ve put together a collection of the best credit cards for frequent travelers in this post.

There are certain credit card issuers (such as Discover and Capital One) that do not charge a foreign transaction fee on any of their cards. For other cards, you need to review the terms and conditions or rates-and-fees chart.

How can I find out if a credit card charges foreign transaction fees?

Credit card issuers are required to disclose any fees they charge on their credit cards. For an existing credit card, you can call the number printed on the back of your card, review the paper cardholder agreement that came with your card, or access your credit card account online.

For a credit card you are considering, a list of all of the fees and charges can be found in the Schumer box that can be accessed via a link on the summary or application page.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

Discover the exact steps we use to get into  1,400+ airport lounges worldwide, for free   (even if you’re flying economy!) .

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