36 Top Credit Cards Without Foreign Transaction Fees

Using a credit card when you travel is easy and secure, and you can see everything you spent in one place when you get your monthly statement. But when that statement arrives, you may be shocked to see an extra 3 percent added to each purchase you made in a foreign currency.

This is the foreign transaction fee, or FTF. The FTF is usually made up of 1 percent charged by the transaction network -- such as MasterCard or Visa -- and 2 percent charged by the issuing bank, for a total of 3 percent.

A few years ago, only Capital One credit cards and a few premium cards, such as the American Express Centurion, waived the foreign transaction fee. Now, as card issuers seek to attract and retain low-risk cardholders who swipe their cards for everything from a daily coffee to a first-class ticket to Hong Kong, many issuers have dropped the FTF on their travel cards. In addition, they're offering multiple ways for cardholders to earn points or cash back by using these cards.

CardRatings.com recently compiled a list of 36 cards from common issuers to show you which ones take care of the FTF for you, which charge an annual fee, and some highlights of their rewards programs. Many credit unions also waive the FTF on their cards, however, those cards are not generally available to the wide public.

Capital One cards are still attractive, as none of them have the foreign transaction fee and many do not carry an annual fee. All of Discover's cards come without the FTF and only one (Escape by Discover) has an annual fee, but Discover's acceptance internationally has traditionally been limited.

Four cards on our list -- the Citi ThankYou Prestige, the Chase J.P. Morgan Select, British Airways Visa Signature from Chase, and Hyatt Credit Card -- are EMV-compatible. EMV credit cards, which use a security technology of embedded chips, are prominent in European cards and are slowly becoming more prevalent in the United States. These cards can be used in shops, at kiosks, and anywhere else you would normally use a credit card internationally.

Sixteen of the cards on the list have no annual fee, and 10 waive the annual fee for the first year. The annual fees range from $39 (Capital One Cash Rewards) to $450 (American Express Platinum and Business Platinum and Citi Executive/AAdvantage WorldElite MasterCard). The $450 annual fee is high, but for that you get free baggage, airport lounge access, priority screening and boarding and many other perks. If you're an international jet-setter, these benefits will be worth a lot more than $450 when your flight has been canceled and you're looking at spending the night in an airport. Or you could look at it another way: Annual single membership to the Delta Sky Club costs $450 by itself.


Credit Cards with No Foreign Transaction Fees

Which credit cards have no foreign transaction feesFor years, many credit cards have charged extra fees on purchases made outside of the United States, known as foreign transaction fees, or international transaction fees. In recent years, however, many credit cards have eliminated these fees, especially for travel-related credit cards, or as a perk for cards with an annual fee. Below is a list of credit cards that charge no foreign transaction fees, along with a note on whether or not the card has an annual fee:

  • Capital One Credit Cards #8211; Capital One does not charge foreign transaction fees on ANY of its credit cards, and has not charged these fees for years.
  • Amazon Rewards Visa #8211; Amazon#8217;s credit cards have no foreign transaction fees, no annual fee, and you can earn Amazon reward points on all purchases.

  • BankAmericard Travel Rewards Visa #8211; Travel points credit card has no foreign transaction fee. No annual fee.
  • Barclaycard Ring MasterCard #8211; No foreign transaction fees, no annual fees, and a low interest rate as well. Unfortunately, no rewards program, either.
  • The Citi ThankYou Premier Card is a rewards card with a $95 annual fee but no foreign transaction fees. Do not confuse it with the no-annual-fee ThankYou Preferred Card, which does charge fees on international purchases.
  • Chase Sapphire Preferred #8211; No foreign transaction fee, but a $95 annual fee after the first year. The Chase Sapphire Reserve also charges no foreign transaction fees, but has an annual fee of $450.
  • The United MileagePlus Explorer and United MileagePlus Club Card both come with no foreign transaction fees, but have annual fees of $95 and $450, respectively.
  • Southwest Airlines Rapid Rewards Premier Card #8211; This is the top-level Southwest credit card, with a $99 annual fee. While it has no foreign transaction fees, do not confuse it with Southwest#8217;s other Rapid Rewards #8220;Plus#8221; Card, which does have a foreign transaction fee.
  • Marriott Rewards Premier Credit Card #8211; This Marriott rewards credit card with an $85 annual fee has no foreign transaction fees.

Credit One Bank® Platinum Visa® for Building Credit - See if you Pre-Qualify without harming your credit score. +This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus. +All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.


Non-foreign transaction fee credit cards

Capital One and Discover are the best no international transaction fee credit cards, and in the recent past, others have come up with a number of new offers that don#39;t have such charges. Zero foreign transaction fee credit card helps you save money while touring.

Which credit cards have no foreign transaction fees

By using one of these credit cards with no foreign transaction fee, you’ll not only evade international charges, but also save at least 6.41% on money exchange, as Visa and MasterCard habitually provide conversion rates that are lesser than you’d get via a local bank or an airport vendor.

Just ensure to notify your credit card issuer regarding your travel plans in order to avert card use from being postponed due to scam concerns. With the non-foreign transaction fee credit cards, you can spend overseas without worrying about the foreign transaction fees that are often incorporated on other cards. Which credit card has no foreign transaction and what is foreign transaction fee on credit cards?

Non-foreign transaction fee credit cards

Premier Rewards Gold Card from American Express

Which credit cards have no foreign transaction fees

Get 25,000 Membership Rewards Points after you expend $2,000 on acquisitions in the first quarter of Card Membership. 3X points for air travel booked directly with airlines. 2X points at US eateries, US fuel stations, and US stores, 1X points on other acquisitions, when you use your Premier Rewards Gold Card, no paying for foreign currency on credit card. There is a $0 initial annual fee for the first year then $195.

BankAmericard Travel Rewards Credit Card

Receive unrestricted 1.5 points per $1 spent on all acquisitions, with no annual fee and no foreign transaction fees. 20,000 virtual bonus points if you make $1,000 in acquisitions in the first 90 days which can be credited to travel acquisitions. Comes with chip technology for heightened security and protection at chip-enabled termini. 0% Introductory APR for acquisitions, then 15.24% - 23.24% Flexible APR.

Make 50,000 bonus points after you expend $4,000 on acquisitions in the first quarter from account opening. 2X points on tourism and partaking at eateries globally 1 point per dollar expended on all other acquisitions. Earn 5,000 bonus points after you add an authorized user and make an acquisition in the first quarter from account opening. No foreign transaction fees. Acquire 25% more value when you redeem for guesthouses, car hires and voyages through Chase Ultimate Rewards.

Capital One Venture Rewards Credit Card

Which credit cards have no foreign transaction fees

Relish bonus of 40,000 miles once you expend $3,000 on acquisitions within a quarter of approval, equivalent to $400 in tourism. Receive unrestricted 2X miles per dollar on every acquisition daily. Travel when you want with no suppression dates. No foreign transaction fees, $0 initial yearly fee for the foremost year $59 afterwards.

Capital One Quicksilver Cash Rewards Credit Card

Originates with an excellent 0% APR period and a reasonable cash back sign-up plus: One-time $100 cash bonus after you spend $500 on acquisitions within 3 months of endorsement. You could acquire your cash back prizes as a check or statement credit. Between cash back cards including no foreign transaction fees, it proposes the best rewards and benefits and is widely accepted overseas.

Barclaycard Arrival Plus World Elite MasterCard

By means of the chip-and-PIN-enabled Barclaycard Arrival Plus World Elite MasterCard, you’ll be able to pay by card just about anywhere abroad also at car park meters, toll roads and subway booths that might not accept chip-and-signature cards. Surrounded by cards in the U.S. with chip-and-PIN competence, it also claims the biggest sign-up bonus: Receive 50,000 extra miles after you expend $3,000 on acquisitions in the first 90 days that#39;s sufficient to redeem for a $500 travel statement credit. You receive 2 miles per dollar spent on all acquisitions, and get a 5% bonus toward your next reclamation when you exchange. Miles can be converted as a credit against travel acquisitions therefore you only need to reserve your travel, recompense with the card and then claim your credit.

Get one of these cards and be assured of easy and cheap spending while away from home.


Top Credit Cards with No Foreign Transaction Fees #8211; 2017

Traveling shouldn#8217;t be a drag, especially when that one special trip you were looking forward to all year has become bombarded with a fee-frenzy nightmare. Lets face it, foreign transaction fees well-over 2% just doesn#8217;t sit right for anyone and I know, I may be jumping the gun a little bit because big banks do expect our money in order to make money, which I must add, is understandable; fees for a valued service of such shouldn#8217;t go without merit. Furthermore, it#8217;s necessary that we distinguish the better options in credit card services and expand our travel necessities, which is the sole reason why it#8217;s necessary to compile a complete list of credit cards I believe to be the Top Picks with No Foreign Transaction Fees.

Which credit cards have no foreign transaction fees

The Chase Sapphire Reserve is a premium travel rewards card that I#8217;m sure everyone has heard about with what could very well be the most valuable card in Chase#8217;s selection. With this card, you should expect 3X on Travel and Dining with alluring benefits left and right ($300 travel statement credit, $100 Global Entry application fee credit, Priority Pass Select, etc#8230;) on top of very valuable redemption through their UR Portal making even international travel a breeze.

In fact, there#8217;s no foreign transaction fee attached, as expected, because certainly, Chase wanted to emphasize the rewarding opportunities you get with all of your travel necessities. Considering that this is a huge extension of the Chase Sapphire Preferred® Card, it#8217;s all the more necessary to have no foreign transaction fees attached.

Editor#8217;s Note: Sadly, Chase did away with the 100,000 UR Point Sign-up Bonus attached, however, there is still a 50K UR Bonus up for grabs if you#8217;re interested.

Chase Sapphire Reserve Card Summary:

  • Apply Now
  • Maximum Bonus: 50,000 UR Points
  • Spending Requirement: You must spend $4,000 on purchases in the first 3 months from account opening
  • Annual Fee: $450, not waived for the first year
  • Bonus Worth: The 50K points alone isworth $625 towards airfare/hotel.

Which credit cards have no foreign transaction feesCertainly, you don#8217;t need to know a lot about points and miles to know that this premium card deserves it#8217;s spot on our list for the sole reason for it#8217;s ideal rewards and benefits structured towards providing travelers abroad a horizon of valued options.

With no foreign transaction fees attached on the Platinum Card ® from American Express, 5X the membership rewards points for all tickets purchased directly from the airline, $200 annual airline fee credit, $100 global entr fee credit and access to American Express#8217;s most prestigious of lounges. On top of that, you#8217;l get automatic gold status with Hilton Hhonors and Starwood Preferred Guest, as well as Marriott Rewards making the $450 annual fee so much more understandable.

Editor#8217;s Note: Earn 40,000 points after you spend $5,000 on purchases on your new Card in your first 3 months.

Platinum Card from American Express Summary:

  • Apply Now(Go Incognito mode if you don#8217;t see it)
  • Maximum Bonus: 40,000 Bonus Points
  • Spending Requirement: Must spend $5,000 within 3 months of account opening.
  • Annual Fee: $450
  • Bonus Worth: The 40000 Bonus Points is worth about $400
  • Expiration Date: None
  • Additional Advice: There is no cap on points and they never expire, so accumulate as much as you can!

Which credit cards have no foreign transaction fees

Now, one thing I want to get out of the way is that the Chase Sapphire Preferred® Card could certainly be the best options for international travelers out there. Understandably, a $95 annual fee vs $450 annual fee makes a whole lot more sense for consumers that juggle around enough annual fees as it is. With 2X the rewards on all your travel purchases, 20% discount on travel bookings through Ultimate Rewards and various travel partners, UR redemption with tons of value, and best of all, your first year annual fee is waived. It was evident that this card would make it#8217;s way into our top no-foreign transaction fees list on it#8217;s alluring travel benefits alone.

Chase Sapphire Preferred Card Summary:

  • Learn More
  • Maximum Bonus: 50,000 bonus points + Additional 5,000 points
  • Spending Requirement: You must spend $4,000 on purchases in the first 3 months from account opening, and add an authorized user (no annual fee) within the first 3 months and they make a purchase.
  • Annual Fee: $0 introductory annual fee for the first year ($95 thereafter)
  • Bonus Worth: The 50K points alone isworth $625 towards airfare/hotel.
  • Expiration Date: No expiration
  • Additional Advice: Be sure to make use of the Ultimate Rewards Portal to get instantly more value with your redemption.

Which credit cards have no foreign transaction feesThe Capital One Venture Rewards is honestly, one of the more subtle cards out there, but the prospects of this card makes it an easy yes for your wallet. Firstly, you earn unlimited 2X the miles per dollar on every purchase with EASY redemption, being able to fly on any airlines, stay at any hotel, anytime on top of no blackout dates and miles that do not expire.

This card stresses utter convenience at the hands of us, the consumers and with a annual fee of $59, waived for the first year, it could definitely bring you a new horizon to all your travel needs. No foreign transaction fee is like the cherry on top for this card and really sways the Capital One Venture towards being a really balanced card that just had to be on our list!

  • Learn more about Capital One VentureOne Rewards and apply here
  • Maximum Bonus: 40,000 bonus miles
  • Spending Requirement: None
  • Annual Fee: $59 (but first year is waived)
  • Bonus Worth: 40,000 bonus miles is worth $400
  • Expiration Date: None
  • Additional Advice: This card is only meant for people with excellent credit!

Which credit cards have no foreign transaction feesWith the Citi ThankYou® Premier Card, you will essentially be earning a rate of 3X on travel (including gas purchases), and 2X the ThankYou Points per dollar spent on restaurants and entertainment. It#8217;s worth keeping in mind that the $95 annual fee is still quite hefty, but satisfyingly waived for the first year. Also, this card really is how you make it, ultimately revolving around how much you value your ThankYou Points at. 3X on travel on top of no foreign transaction fee makes this a pretty solid card for those looking to expand their ThankYou points abroad.

Editor#8217;s Note: Earn 30,000 bonus points after $3,000 in purchases made with your card in the first 3 months the account is open

  • Apply Now
  • Spending Rate: 3x on supermarkets, gas stations, and restaurants
  • Annual Fee: $95 (waived for the first year)
  • Bonus Worth: YMMV
  • Expiration Date: None
  • Additional Advice: ThankYou® Points are worth 25% more when redeemed for travel through thankyou.com, as compared to gift cards

Which credit cards have no foreign transaction fees The Barclaycard Arrival Plus™ World Elite MasterCard® will, in my eyes, always be a promising card to get a hold of with 2X the miles on all your purchases, 5% miles back to use towards your next redemption every time you redeem, and miles that do not expire as long as your account is in good standing. The no foreign transaction fee is seemingly the #8216;done-deal#8217; for those that want Self-serve terminals abroad, a simple flat-rate, travel credit,etc. However, the annual fee of $89 (waived for the first year) is quite hefty, to say the least. You are looking at spending over $4,200 a year to offset such a annual fee.

Editor#8217;s Note: Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that’s enough to redeem for a $500 travel statement credit

Barclaycard Arrival Plus World Elite MasterCard Summary:

  • Apply Now
  • Maximum Bonus: 50,000 Bonus Miles
  • Spending Requirement: Must spend $3,000 within first 90 days
  • Annual Fee: $89 (waived for first year)
  • Bonus Worth: The 50,000 Bonus Miles is worth $500
  • Expiration Date: None
  • Additional Advice: There is no cap on bonuses so earn as much as you can!

Which credit cards have no foreign transaction fees

The Starwood Preferred Guest Credit Card from American Express is already such a phenomenal card to begin with. The ability to maximize your hotel rewards with extremely valued points on top of a earning rate of 5 Starpoints per dollar spent at participating Starwood hotels and 2 points/dollar spent at participating Marriot Rewards Hotels.

2015#8217;s new rendition of the card beautifully sums up consumer satisfaction with a removed foreign transaction fee, and the added benefits of Boingo Wifi, and complimentary premium in-room internet access. Indulge in Starwood#8217;s most prestige of luxury hotel collections such as the St. Regis, The Luxury Collection, W Hotels, Le Méridien on top of generous perks and over 30 airlines transfer partners all on a low $95 annual fee that is waived for the first year.

Starwood Preferred Guest Credit Card Summary:

  • Apply Now
  • Maximum Bonus: 25,000 Starpoints
  • Spending Requirement: You must spend $5,000 within 3 months of account opening
  • Annual Fee: $95 (but first year is waived)
  • Bonus Worth: The 25,000 bonus points is worth about $600 in hotel night stays
  • Expiration Date: None
  • Additional Advice: The Starpoints are worth a lot more if you redeem them for free hotel night stays!

Which credit cards have no foreign transaction fees

The Discover IT Miles can earn you 1.5X the miles per dollar spent on all of your purchases with the miles worth a little over 1 cent each as travel statement credit, this card is an exceptional choice for those of you budget-savvy travelers out there. Considering that Discover matches all your rewards earned for the first year, and no annual fee attached, this card shows amazing prospects that deserve to be on our list for Top Cards with No Foreign Transaction Fees attached.

Discover It Miles Card Summary:

  • Learn More
  • Maximum Bonus: Double Miles for 12 months
  • Spending Requirement: None
  • Annual Fee: $0
  • Bonus Worth: 100 Miles equals $1.00 but there are no cap on how much you can earn.
  • Expiration Date: None
  • Additional Advice: Refer your friends and receive $50 each, up to 10 referrals, for a total of $500 extra cash.

Which credit cards have no foreign transaction feesFrom no annual fee to a waived foreign transaction fee, this makes the BankAmericard Travel Rewards Credit Card a cost-friendly travel rewards credit card that suits those who just aren#8217;t looking to pay the big annual price tag of a premium credit card. You should expect the card to offer 1.5X the points per dollar spent on all purchases with points being worth around 1 cent each as statement credit towards travel. Keep in mind that with Preferred Rewards participation, or opening a checking account for a 10% bonus on every purchase, you will be able to expand your 1.5% to something a little more satisfying.

Editor#8217;s Note: With the BankAmericard Travel Rewards Credit Card, you can receive 20,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening

BankAmericard Travel Rewards Credit Card Summary:

  • Apply Now
  • Maximum Bonus: 20,000 bonus points
  • Spending Requirement: Make at least $1000 in purchases within first 3 months
  • Annual Fee: None
  • Bonus Worth: $200
  • Expiration Date: None
  • Additional Advice: As a Bank of America customer, you can get an additional 10% customer points bonus on every purchase when you have an active Bank of America checking or savings account.

If you#8217;re an avid traveler and abroad is a frequent destination for you, then it#8217;s completely understandable for you to despise foreign transaction fees. Lets face it, these fees can rack you up a sum of the cash you could#8217;ve had, which is all the more a reason why we must be able to distinguish a valuable card from every aspect and that means it#8217;s fee-component as well. We are hoping that the list above is utmost satisfying for you to read and of course, if you, BCS readers find any errors with my accuracy whatsoever, please be sure to leave me feedback! Find out which card is right for you by checking out our complete list of Credit Card Promotions today!

Chris provides our readers bank deals and credit card bonuses that will save them money. He is devoted to provided in-depth and accurate details to help readers maximize their money along their financial journey.

Which credit cards have no foreign transaction feesChase Premier Plus Checking SM Get $300 when you open a new Chase Premier Plus Checking SM account and set up direct deposit.

Chase Total Checking® + Chase Savings SM Get a $200 bonus when you open a new Chase Total Checking ® account and set up direct deposit. Also get a $150 bonus when you open a new Chase Savings SM account, deposit a total of $10,000 or more in new money within 10 days maintain a $10,000 balance for 90 days.


Best No Foreign Transaction Fee Credit Cards

Which credit cards have no foreign transaction fees

If you’re planning a trip out of the country it’s important to be aware of foreign transaction fees. Most U.S credit card companies will charge a fee every time you use your card abroad. The fee is generally around 3% of each transaction you make while out of the country. The good news is there are credit cards with no foreign transaction fees available. Whether you’re traveling for business or pleasure, using one of these cards can mean huge savings on spending abroad. Our experts have done the math on the top no foreign transaction fee credit cards to help you find one that fits your needs. See More

Which credit cards have no foreign transaction fees

Which credit cards have no foreign transaction fees

Which credit cards have no foreign transaction fees

Which credit cards have no foreign transaction fees

Which credit cards have no foreign transaction fees

Which credit cards have no foreign transaction fees

Which credit cards have no foreign transaction fees

Best Overall Credit Card

Which credit cards have no foreign transaction fees

Bank of America® Travel Rewards Credit Card

Those approved for the Bank of America® Travel Rewards Credit Card will earn 1.5 points for every dollar they spend, with no expiration on those points as long as your account remains open. You can apply these points as a statement credit, so just book your travel plans and use the points’ value to cover the cost.

There’s no annual fee for this card and no foreign transaction fee for using your card while traveling abroad. You will also receive a 0% introductory APR for the first 12 billing cycles on purchases, 15.99%-23.99% Variable after.

You’ll be eligible to earn 20,000 online bonus points if you spend at least $1,000 during the first 90 days that the account is open. Bank of America customers will earn extra points, so if you’re a savings or checking account holder, you’ll receive 10% more points. Beyond that, if you’re a Bank of America® Preferred Rewards client, a bonus between 25% and 75% will come your way.

While new cardholders will receive a 0% introductory APR on purchases for their first 12 billing cycles, their APR following that time will be a variable rate from 15.99% to 23.99%, depending on creditworthiness. There are no travel-specific partners paired with Bank of America® and no points transfers.

No annual fee, foreign transaction fee and a 0% introductory APR on purchases for the first 12 billing cycles makes the Bank of America® Travel Rewards Credit Card a uniquely good choice. The ability to earn 1.5 points on all purchases with the card, along with the multiple ways to earn bonus points, leaves a lot of room for travel benefits for cardholders.

  • No annual fee
  • No foreign transaction fees
  • Receive 1.5 points on all purchases
  • 0% introductory APR for 12 billing cycles on purchases
  • 15.99% - 23.99% variable APR on purchases and balances transfers
  • Lack of specific travel partner companies
  • 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
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 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 flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%

Those approved for the Bank of America® Travel Rewards Credit Card will earn 1.5 points for every dollar they spend, with no expiration on those points as long as your account remains open. You can apply these points as a statement credit, so just book your travel plans and use the points’ value to cover the cost.

There’s no annual fee for this card and no foreign transaction fee for using your card while traveling abroad. You will also receive a 0% introductory APR for the first 12 billing cycles on purchases, 15.99%-23.99% Variable after.

You’ll be eligible to earn 20,000 online bonus points if you spend at least $1,000 during the first 90 days that the account is open. Bank of America customers will earn extra points, so if you’re a savings or checking account holder, you’ll receive 10% more points. Beyond that, if you’re a Bank of America® Preferred Rewards client, a bonus between 25% and 75% will come your way.

While new cardholders will receive a 0% introductory APR on purchases for their first 12 billing cycles, their APR following that time will be a variable rate from 15.99% to 23.99%, depending on creditworthiness. There are no travel-specific partners paired with Bank of America® and no points transfers.

No annual fee, foreign transaction fee and a 0% introductory APR on purchases for the first 12 billing cycles makes the Bank of America® Travel Rewards Credit Card a uniquely good choice. The ability to earn 1.5 points on all purchases with the card, along with the multiple ways to earn bonus points, leaves a lot of room for travel benefits for cardholders.