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Best No Foreign Transaction Fee Credit Cards of 2025
Content was accurate at the time of publication.
Top travel card with no transaction fee
Top travel card with no transaction fee
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is the best no-foreign-transaction-fee credit card, offering top-notch value, robust travel coverage and plenty of perks.
You jet off to Paris, Tokyo or Zanzibar on a dream vacation and pay for everything with your credit card. When you get home, you log in to your account and spot a slew of surprise fees that add up to more than the fancy dinner you splurged on during your trip.
Many travelers find themselves in this unfortunate situation after using a credit card with foreign transaction fees on a trip abroad. But is there a credit card with no foreign transaction fee? There are, in fact, many credit cards with no foreign transaction fees — so you can pick the right one for you based on your travel style, financial goals and desired card features.
Citi is an advertising partner.
Top no foreign transaction fee cards of 2024
Best travel card with no foreign transaction fee
Chase Sapphire Preferred® Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 2x-5x points
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
- Excellent welcome bonus — Earn a bonus that’s worth more when redeemed through Chase Ultimate Rewards® or a transfer partner.
- Valuable rewards earnings — Earn 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases and one point per $1 on everything else.
- Travel insurance coverage — A slate of coverage including trip cancellation and interruption, baggage delay and an auto rental collision damage waiver.
- Hotel stay credit — Get up to $50 a year in hotel credit for stays purchased through Chase Ultimate Rewards®.
- Annual fee — The card has a $95 annual fee.
- Lacks premium travel perks — No lounge access or Global Entry or TSA PreCheck fee credit.
Verdict: Great for regular to frequent travelers who don’t mind paying a modest annual fee.
The Chase Sapphire Preferred® Card is a winner because it comes with a $0 foreign transaction fee, as well as offering valuable rewards, loads of flexibility and a full slate of travel coverage and perks. Its annual fee makes it more affordable than many premium travel credit cards, and its rich rewards-earning structure with multiple bonus categories lets users rack up valuable Chase Ultimate Rewards® points with ease.
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- 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
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
*The information related to the Chase Sapphire Preferred® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best cash back card with no foreign transaction fee
Capital One Quicksilver Cash Rewards Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1.5%-5% cash back
1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Earn a generous sign-up bonus with low minimum spend
- Intro APR offer — 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months (Balance transfer fee applies) (then a 18.49% - 28.49% (Variable) APR applies).
- No annual fee — The card has a $0 annual fee, which is nice for budget travelers.
- Extended warranty — Automatically doubles the original manufacturer’s/store’s warranty on eligible purchases.
- Lacks robust travel insurance — No trip cancellation or delay insurance and no lost or delayed baggage coverage.
- Few travel perks — No Global Entry or TSA PreCheck credit and few other travel benefits.
- A fee applies to balance transfers
Verdict: Great for frugal travelers seeking a credit card with no international fees
The Capital One Quicksilver Cash Rewards Credit Card is one of the best cash back credit cards because it has no foreign transaction fee. This card is perfect for travelers who prefer cash back to points or miles and still want to be able to use their favorite card on trips abroad.
The value of the welcome bonus isn’t the highest on the market, but the minimum spending required to earn it is also low, putting it within reach of travelers on a budget. The card also stands out for its simple earnings structure — it’s got no bonus categories to track. Instead, you get 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel, and you can redeem your rewards in any amount any time.
- 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
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- 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; 18.49% - 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
*The information related to the Capital One Quicksilver Cash Rewards Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best no foreign transaction fee card for luxury travel
American Express Platinum Card®*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 5x points
5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year. Terms apply.
- Extremely generous welcome offer and time to earn it
- Annual credits more than make up for the annual fee — Worth over $1,500 in value.
- Speed through airport security — Get up to a $189 a year credit for CLEAR Plus membership, plus a credit for Global Entry or TSA PreCheck every four years, to get through airport security more quickly and easily (enrollment required).
- High points earnings on flights and hotels — Earn 5 points per dollar spent on flights and hotels booked directly with Amex Travel.
- Hotel elite status — Get both Hilton Honors and Marriott Bonvoy Gold status (enrollment required).
*To see rates & fees for American Express Platinum Card®, please click here.
- Extremely high annual fee — With an annual fee of $895, only frequent travelers will get their money’s worth from the card on an ongoing basis.
- Low points earnings on most purchases — A disappointing earnings rate of 1 point per $1 on all purchases except flights and hotels booked with Amex Travel.
- Terms apply.
Verdict: Best for frequent travelers who like to travel in style and will use the many travel credits and perks offered by the card
American Express Platinum Card® is a fully loaded card perfect for luxury travelers who want all the benefits that make travel more comfortable and convenient. In addition to no foreign transaction fees, this card has a generous welcome offer, a lucrative rewards rate and the best airport lounge benefit among all travel cards. And while it comes with a very high annual fee — $895 — the card also offers annual credits worth over $1,500 that can help cancel it out.
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
- $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
- $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
- $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
- $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
*The information related to the American Express Platinum Card® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best no foreign transaction fee card for dining
American Express® Gold Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1x-4x points
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- High rewards for dining — Earn 4 points per $1 spent on dining out, food delivery and U.S. supermarkets.
- Dining credits — Get up to $120 a year in $10 monthly credits at select restaurants when you enroll and pay with your card.
- Uber credits — Get up to $120 a year in Uber Cash (up to $10 monthly) to offset the cost of U.S. Uber rides or U.S. Uber Eats once you add the card to the Uber app.
*To see rates & fees for American Express® Gold Card, please click here.
- High annual fee — An annual fee of $325 may put the card out of reach for less frequent travelers or lower spenders.
- Limit on grocery bonus earnings — A $25,000 annual limit on the 4X earnings in the U.S. supermarket category may curb your earning ability if you stockpile food or have a big family.
Verdict: Generous earnings on restaurant and U.S. supermarket purchases.
The American Express® Gold Card is a great international card for foodies, home cooks and travelers who love to dine out frequently, and there are no foreign transaction fees. The card offers a top-tier rewards earnings structure for food, including U.S. supermarket purchases and restaurants worldwide. Cardholders also get up to $120 ($10 monthly) toward U.S. Uber rides and eats when they add the card to the Uber app, and up to $120 ($10 monthly) in credits toward select dining purchases (enrollment required).
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
*The information related to the American Express® Gold Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best no foreign transaction fee credit card for simplicity
Capital One Venture Rewards Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 2-5 miles
2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- Nice welcome offer
- Global Entry or TSA PreCheck credit — Get a credit toward your membership in one of these programs every four years, so you can get through airport security faster.
- Auto rental insurance — Use your card to rent an eligible vehicle and you may be covered for physical damage and theft of the vehicle.
- Warranty manager service — Provides you with valuable features to help manage, use and even extend warranties of items purchased with your card.
- Annual fee — The card charges a $95 annual fee.
- Limited bonus categories — The bonus categories require you to book your travel through Capital One Travel to earn extra miles.
- Lacks comprehensive coverage — Doesn’t offer a full array of travel or purchase coverage.
Verdict: Great for cardholders who travel at least a few times a year and don’t mind paying a nominal annual fee in exchange for solid value.
The Capital One Venture Rewards Credit Card comes with no foreign transaction fees, along with a straightforward rewards-earning structure, a solid welcome offer and an array of travel perks. For example, cardholders qualify for a fee credit toward Global Entry or TSA PreCheck membership. And when it comes to flexibility, cardholders can use their miles for travel through Capital One or point transfers with more than 15 airline and hotel transfer partners.
- Earn 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, vacation rentals and rental cars booked through Capital One Travel
- 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 $120 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
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
*The information related to the Capital One Venture Rewards Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best business credit card with no foreign transaction fee
Ink Business Preferred® Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1-3 points
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.
- Generous sign-up bonus
- High rewards earning potential
- Good travel coverage — Auto rental collision damage waiver and trip cancellation and delay coverage.
- Purchase coverage — Get purchase protection and extended warranty coverage on items you buy for your business.
- Annual fee — Has an annual fee of $95.
- High minimum spending requirement — Small businesses that don’t have many expenses may have a hard time meeting the spending requirement for the welcome bonus.
- Roadside coverage for a fee — Roadside coverage presented as a benefit, but the fine print states that the service isn’t free.
Verdict: Great business travel benefits for a modest annual fee.
The Ink Business Preferred® Credit Card is a good choice for small business owners who travel internationally. The card earns Chase Ultimate Rewards®, which can be used for gift cards, merchandise, statement credits, travel through Chase, or even 1:1 transfers to the brand’s airline and hotel partners. This business credit card also comes with decent travel and purchase coverage, which can provide an extra layer of protection when you travel.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- 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
- Earn 5x total points on Lyft rides through 9/30/27.
- 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
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
*The information related to the Ink Business Preferred® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best credit card with no foreign transaction fee and no annual fee
Wells Fargo Autograph® Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1x-3x points
Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
- No annual fee — The $0 annual fee makes the card ideal for budget and less frequent travelers.
- Large welcome offer
- Massive point earning power — Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases..
- No other travel perks — No Global Entry or TSA PreCheck credits or other travel benefits.
- Low value points — The points you earn are worth around 1 cent and can’t be transferred to maximize value.
Verdict: A great no annual fee travel credit card.
For those who want a good $0 annual fee travel card with no foreign transaction fees, it’s hard to beat the Wells Fargo Autograph® Card. Aside from its large sign-up bonus, the card also offers 3X points on a wide variety of categories, including restaurants, travel and gas. Plus, redemption is simple: You can redeem points for travel or statement credits for a value of 1 cent per point.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49%, or 28.49% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
*The information related to the Wells Fargo Autograph® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best credit card for students with no foreign transaction fees
Bank of America® Travel Rewards Credit Card for Students*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1.5x points
1.5 points per $1 spent on all purchases.
- Good way to build credit — This card offers a good way for students who travel to build credit without having to pay foreign transaction fees.
- 0% intro APR — Get 0% Intro APR for 15 billing cycles for purchases (followed by a 17.49% to 27.49% Variable APR).
- Earn rewards — Get rewarded for your spending with 1.5 points per $1 spent on all purchases.
- Points not worth much — The points you earn may not be worth as much as those on more flexible travel cards.
- No bonus spending categories — There are no tiered bonus categories to boost your rewards.
The Bank of America® Travel Rewards Credit Card for Students is one of the best credit cards for students with no foreign transaction fee, due to its generous rewards rate and sign-up bonus — and all with a $0 annual fee.
The card is very similar to the Bank of America® Travel Rewards credit card, but it’s aimed toward students who have thin or no credit files and are building credit. An intro APR for purchases and eligible balance transfers makes this offer even more attractive for students who are trying to keep costs down while also building credit history.
- 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 17.49% to 27.49% Variable APR 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%.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- 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.
*The information related to the Bank of America® Travel Rewards Credit Card for Students has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best no foreign transaction fee card for poor credit
Capital One Platinum Secured Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Can help establish or rebuild credit
- No annual fee — The $0 annual fee is ideal for cardholders trying to build or rebuild credit.
- Credit line reviews — Capital One will automatically review your credit limit and may raise your limit.
- Upgrade option — After you use the card responsibly, Capital One may offer you an upgrade to a nonsecured card.
- No welcome bonus
- No rewards — You won’t earn points or miles for your spending.
- Requires a deposit — The card requires you to put down a security deposit of up to $200.
- Low starting credit limit — The initial credit limit of $200 may prevent you from making any big purchases on the card.
Verdict: An affordable option for building credit
The Capital One Platinum Secured Credit Card is a good choice for cardholders who are building or rebuilding credit and want a card with no foreign transaction fees.
This card lets you get started building credit with a minimum security deposit as low as $49, and there’s a $0 annual fee to boot. You can even see if you’re preapproved on the Capital One website, with no impact to your credit score.
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
*The information related to the Capital One Platinum Secured Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Compare no foreign transaction credit cards
| Credit Cards | Our Ratings | Foreign Exchange Fee | Annual Fee | Regular APR | |
|---|---|---|---|---|---|
|
Chase Sapphire Preferred® Card*
|
Best for travel
|
$0 | $95 | 19.24% - 27.49% Variable | |
|
Capital One Quicksilver Cash Rewards Credit Card*
|
Best for cashback
|
None | $0 | 18.49% - 28.49% (Variable) | |
|
American Express Platinum Card®*
|
Best for luxury travel
|
None | $895 | See Pay Over Time APR | |
|
American Express® Gold Card*
|
Best for dining
|
None | $325 | See Pay Over Time APR | |
|
Capital One Venture Rewards Credit Card*
|
Best for simplicity
|
None | $95 | 19.49% - 28.49% (Variable) | |
|
Ink Business Preferred® Credit Card*
|
Best for business credit card
|
$0 | $95 | 17.74% - 26.74% Variable | |
|
Wells Fargo Autograph® Card*
|
Best for no annual fee
|
None | $0 | 18.49%, 24.49%, or 28.49% Variable APR | |
|
Bank of America® Travel Rewards Credit Card for Students*
|
Best for students
|
$0 | $0 | 17.49% to 27.49% Variable APR | |
|
Capital One Platinum Secured Credit Card*
|
Best for poor credit
|
None | $0 | 28.99% (Variable) |
*The information for the Chase Sapphire Preferred® Card, Capital One Quicksilver Cash Rewards Credit Card, American Express Platinum Card®, American Express® Gold Card, Capital One Venture Rewards Credit Card, Ink Business Preferred® Credit Card, Wells Fargo Autograph® Card, Bank of America® Travel Rewards Credit Card for Students and Capital One Platinum Secured Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.
What is a foreign transaction fee?
A foreign transaction fee is a charge of 1% to 3% of the cost that some credit cards tack on to purchases made outside of the United States. Many credit cards charge a foreign transaction fee on any purchase that is either:
- Charged in a foreign currency
- Made from a merchant located outside the United States, or
- Routed through a foreign bank
A foreign transaction fee usually is reflected on your statement as a single fee for each transaction. But it’s actually split into two parts:
- A network or currency conversion fee charged by the card network, such as Visa or Mastercard (typically 1%)
- An issuing bank fee charged by the issuing bank, such as Citi or Chase (typically 2%)
Some travel credit cards don’t charge foreign transaction fees, meaning they don’t charge you a fee and may even cover that 1% fee charged by the networks — so you’ll pay zero foreign transaction fees. If you’re planning any international trips, it’s a good idea to have a card that doesn’t charge foreign transaction fees in your wallet.
Currency conversion vs. foreign transaction fees
What is currency conversion, and is it different from a foreign transaction fee? A currency conversion happens when a bank or merchant converts the total of your purchase from local currency to U.S. dollars. The cost to have your card company make the conversion is generally included as part of the foreign transaction fee (see above) charged by the card network. When you’re traveling outside the United States, a merchant may ask if you want your purchase charged in U.S. dollars. This seems like a helpful offer, but you should generally say no. This process, known as dynamic currency conversion, usually comes with a bad exchange rate, which will probably cost you more than letting your credit card company make the conversion. Worse, if you say yes, you might still pay a foreign transaction fee if your card charges these fees.
What is currency conversion, and is it different from a foreign transaction fee? A currency conversion happens when a bank or merchant converts the total of your purchase from local currency to U.S. dollars. The cost to have your card company make the conversion is generally included as part of the foreign transaction fee (see above) charged by the card network. When you’re traveling outside the United States, a merchant may ask if you want your purchase charged in U.S. dollars. This seems like a helpful offer, but you should generally say no. This process, known as dynamic currency conversion, usually comes with a bad exchange rate, which will probably cost you more than letting your credit card company make the conversion. Worse, if you say yes, you might still pay a foreign transaction fee if your card charges these fees.
How much are foreign transaction fees?
Of all cards we surveyed, 3% is the most common foreign transaction fee charged.
This means that when you make purchases with your card outside the United States using a card that charges a foreign transaction fee, you could add 3% to the cost of your trip.
Let’s say you spend 10 days in Europe and spend $5,000 on hotel stays, restaurants, tours and incidentals like bottled water and snacks during your trip. If your card charges a 3% foreign transaction fee on every purchase, that will add $150 to the cost of your trip.
Here’s a chart of typical foreign transaction fees on popular credit cards:
| Issuer | Typical foreign transaction fee |
|---|---|
| American Express | Up to 2.70% |
| Bank of America | 3% |
| Barclays | 3% |
| Capital One | 0% |
| Chase | 3% |
| Citibank | 3% |
| U.S. Bank | Up to 3% |
How to avoid foreign transaction fees
With a little planning ahead, it’s easy to avoid foreign transaction fees by choosing the right credit card. Make sure to read the fine print to verify that the card doesn’t charge foreign transaction fees.
Try to shop around and apply for a no-foreign-transaction-fee card a few months before you travel — then, make sure to use only that card while you’re out of the country.
If you really want to avoid these pesky fees, it’s a good idea to have a backup card of a different type, just in case your card gets lost or stolen or isn’t accepted at a certain merchant. For example, if your main card is a Visa, it might also be a good idea to have a Mastercard that doesn’t charge foreign transaction fees. Check to see which card networks are most commonly accepted where you’re traveling.
No foreign transaction fee credit cards (samples)
- American Express Platinum Card®
- American Express® Gold Card
- American Express® Green Card
- Delta SkyMiles® Reserve American Express Card
- Delta SkyMiles® Platinum American Express Card
- Hilton Honors Aspire Card from American Express
- Hilton Honors American Express Surpass® Card
- Marriott Bonvoy Brilliant® American Express® Card
The information related to the American Express® Green Card and Hilton Honors Aspire Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
*To see rates & fees for American Express Platinum Card®, please click here.
*To see rates & fees for American Express® Gold Card, please click here.
*To see rates & fees for Delta SkyMiles® Reserve American Express Card, please click here.
*To see rates & fees for Delta SkyMiles® Platinum American Express Card, please click here.
*To see rates & fees for Hilton Honors American Express Surpass® Card, please click here.
*To see rates & fees for Marriott Bonvoy Brilliant® American Express® Card, please click here.
- Bank of America® Travel Rewards credit card
- Bank of America® Travel Rewards Credit Card for Students
- Bank of America® Premium Rewards® credit card credit card
- AtmosTM Rewards Ascent Visa Signature® credit card credit card
- Hawaiian Airlines® Business MasterCard®
- AAdvantage® Aviator® Red World Elite Mastercard®
- JetBlue Business Card
All Cards, including:
- Capital One Quicksilver Cash Rewards Credit Card
- Capital One Venture Rewards Credit Card
- Capital One VentureOne Rewards Credit Card
- Capital One Savor Cash Rewards Credit Card*
- Capital One Spark Cash Select
*To see rates & fees for Capital One Quicksilver Cash Rewards Credit Card, please click here.
*To see rates & fees for Capital One Venture Rewards Credit Card, please click here.
*To see rates & fees for Capital One VentureOne Rewards Credit Card, please click here.
*To see rates & fees for Capital One Savor Cash Rewards Credit Card, please click here.
*To see rates & fees for Capital One Spark Cash Select, please click here.
- Ink Business Preferred® Credit Card
- Chase Sapphire Reserve®
- Chase Sapphire Preferred® Card
- The New United℠ Explorer Card
- The New United Club℠ Card
- British Airways Visa Signature® Card
- Southwest Rapid Rewards® Premier Credit Card
- IHG One Rewards Premier Credit Card
- World of Hyatt Credit Card
- Marriott Bonvoy Boundless® Credit Card
How to choose the best no foreign transaction fee credit card
The best credit cards for international travel all have one thing in common: no foreign transaction fees. But simply not charging foreign transaction fees is not reason enough to pick a card. There are enough credit cards that don’t charge international fees that you can make your pick based on your financial goals, the types of travel you enjoy and the benefits you seek.
For example, one U.S. Bank credit card with no foreign transaction fees is the U.S. Bank Altitude® Go Visa Signature® Card.
If you’re more of a credit union person, you can also find credit union credit cards with no foreign transaction fee. For example, you may want to consider the PenFed Pathfinder® Rewards Visa Signature® Card from PenFed Credit Union, which is known for stellar customer service.
Here are other factors to take into account when choosing the best no foreign transaction fee credit card for you:
A rewards card can help you score points, miles or cash back for a free vacation. Consider these factors when choosing a rewards card:
- Types of rewards: First ask yourself this question: Do you prefer airline miles, cash back or flexible travel points?
- Types of bonus categories: Look for a card that’ll allow you to maximize your rewards based on your own spending habits — for example, one that has bonus categories in areas where you spend a lot — and will allow you to redeem the rewards in a way that maximizes their value. (Hint: It’s best to choose a card that lets you transfer your points to travel partners.)
The rewards structure will determine how much you can earn and how quickly you can rack up enough cash, points or miles to pay for your next trip.
Many travel cards charge an annual fee, but you can find no-annual-fee cards that also don’t charge foreign transaction fees. There’s usually a tradeoff: Cards with no annual fee tend to have fewer benefits, but they may be ideal for infrequent travelers. Cards with annual fees tend to be loaded with more benefits, so frequent travelers may find they get much more value from the perks than what they pay to hold the card each year.
It’s important to think about where you plan to travel and which cards are accepted there. Depending on the part of the world, you could find that your Amex, Mastercard or Visa isn’t accepted at most businesses. And if you don’t have a backup, this could force you to pull out a different card that charges a foreign transaction fee — costing you hundreds of dollars. So consider acceptance and get a backup no-foreign-transaction-fee card if possible.
The right card with travel insurance could save you hundreds or thousands of dollars by offering coverage for common travel debacles, like trips canceled at the last minute because you got sick or bags that get lost or delayed, forcing you to go out and buy new clothes and toiletries for your trip. Getting a card that includes at least basic travel coverage may be worthwhile for all travelers.
Does the card offer free checked bags, priority boarding and other travel benefits? This may make your trip a little more comfortable and save you a considerable amount of money on baggage fees. Think about which travel perks you’ll use, and try to get a card that offers these benefits. As an alternative, you could buy your plane tickets on a card that offers these perks and then use a different foreign transaction fee-free card when you reach your destination.
Depending on where you plan to travel, you may want to look for a card that uses chip-and-PIN technology. Some countries use chip-and-PIN infrastructure, meaning that you may be required to enter a PIN at the point of sale for some purchases, like you would with a debit card, rather than signing a receipt. (Some merchants may still ask you to sign a receipt instead.) As the United States is using a chip and signature infrastructure, check your travel destination to make sure your chosen U.S. card will work.
So, now you’re ready to choose an international credit card. Start by checking out our list of credit cards that don’t charge foreign transaction fees. If you don’t see one that suits you, check out some cards from other banks.
Do credit cards offer good exchange rates?
Credit cards generally offer favorable exchange rates, as you can see in the chart below. It’s much better to allow your credit card to convert your purchase to U.S. dollars rather than taking up an offer from a merchant who might offer a much worse exchange rate.
| Company | EUR-to-USD exchange rate | Markup |
|---|---|---|
| Third-party website | 1.173 | N/A |
| Mastercard | 1.175 | 0.17% |
| Visa | 1.175 | 0.17% |
Tips for using a credit card for foreign travel
Want to know how to use a credit card abroad without getting blindsided by sneaky international fees? Here are five tips for using credit cards abroad:
- Check acceptance. Before shopping for a no foreign transaction fee credit card, think about where you plan to travel and research what kinds of cards are most widely accepted in that part of the world. A card with no foreign transaction fees won’t do you much good if you can’t use it to make purchases at your destination.
- Shop around for the best travel card. Pick the best card for you based on your style of travel, financial goals, rewards earning goals and desired card features. Browse the best credit card offers with no foreign transaction fee to find the right match for you. Taking time to find the right card can save you money and give you peace of mind on your trips.
- Consider getting a backup card just in case. It may be a good idea to have a backup card that also doesn’t charge these fees, in case a merchant at your destination doesn’t accept a certain type of card. This can also be helpful if your main card gets lost or stolen.
- Say no to retailers who offer to charge you in U.S. dollars. Known as dynamic currency conversion, this practice almost always results in unfavorable exchange rates that cost you more than if you make the purchase in the local currency.
- Get a debit card that refunds ATM fees. If you want to avoid international bank fees, think beyond your credit card to your debit card. Get a debit card that doesn’t charge fees to use other banks’ ATMs and will refund you any ATM fees charged by foreign banks. Consider opening a high yield investor checking account with Schwab, our pick for the best bank for international ATM use.
Follow these tips for using a credit card for foreign travel, and you should be able to avoid getting hit with surprise international fees after your next trip abroad.
Frequently asked questions
Our top pick for the best credit card for international transactions is the Chase Sapphire Preferred® Card. This card charges $0 foreign transaction fees, has a generous rewards-earning structure and offers a full slate of travel insurance coverage. It does charge an annual fee, but the welcome bonus and benefits more than make up for the cost.
Most banks charge foreign transaction fees on at least some of their credit cards. Chase is a good example: The Chase Sapphire Preferred® Card charges $0 foreign transaction fees, but the Chase Freedom cards do have international transaction fees. However, there are some banks that have no foreign transaction fees on any of their credit cards, such as Capital One and Discover.
American Express charges foreign transaction fee of up to 2.7% on some of its cards. Amex does offer cards with no foreign transaction fees, including the American Express Platinum Card®, American Express® Gold Card and American Express® Green Card.
Capital One doesn’t charge foreign transaction fees on any of its cards. If you want to make a purchase abroad without paying a foreign transaction fee and you have a Capital One card in your wallet, you’re in luck.
Yes, the Citi Double Cash® Card does have foreign transaction fees. The Citi Double Cash® Card charges a foreign transaction fee on purchases made in a foreign currency, 3%. However, there are other Citi cards with no foreign transaction fees.
Discover doesn’t charge any foreign transaction fees. That means no Discover it cards have foreign transaction fees, including the cash back and student cards. You may want to use this Discover international acceptance checker to check to see if the card is accepted at your destination. But if you use a Discover card as your primary card, you may want to carry a Visa or Mastercard credit card with no foreign transaction fees as a backup.
Banks charge processing fees and other fees in order to make money from merchants and cardholders. Foreign transaction fees and other fees, such as annual fees, late fees and over-limit fees, allow the bank to make a profit. As a customer, it’s smart to look at your own card use patterns and check the fees that a card issuer charges before you open and use a card.
Foreign transaction fees are tax-deductible in some cases. Talk to your accountant or tax preparer, but generally, foreign transaction fees are tax-deductible when they’re charged as part of a business expense.
Some debit cards charge a foreign transaction fee. Check the fine print on your debit card agreement to see if yours charges a foreign transaction fee for purchases. Many banks also charge international ATM fees for cash withdrawals in a foreign country.
Methodology
To make choosing the right card easier, we’ve looked at credit cards reviewed on LendingTree, as well as cards on major issuer sites, to compile a list of the best no foreign transaction fee credit cards available right now. Our recommendations are based on the additional value you can earn with these cards. We primarily considered rewards value, the cost of ownership and the value of benefits like travel and purchase protections, lounge membership and airline companion passes.
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.
*The information related to the Capital One Savor Cash Rewards Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
The information related to the Hawaiian Airlines® Business MasterCard®, AAdvantage® Aviator® Red World Elite Mastercard®, JetBlue Business Card, British Airways Visa Signature® Card, World of Hyatt Credit Card,Marriott Bonvoy Boundless® Credit Card, , Citi® / AAdvantage® Executive World Elite Mastercard®, Citi® / AAdvantage® Platinum Select® World Elite Mastercard® and Costco Anywhere Visa® Card by Citi has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
*To see rates & fees for American Express Platinum Card®, please click here.
*To see rates & fees for Hilton Honors American Express Surpass® Card, please click here.
*To see rates & fees for American Express® Gold Card, please click here.
*To see rates & fees for Delta SkyMiles® Reserve American Express Card, please click here.
*To see rates & fees for Delta SkyMiles® Platinum American Express Card, please click here.
*To see rates & fees for Marriott Bonvoy Brilliant® American Express® Card, please click here.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Chase Sapphire Preferred® Card, Capital One Quicksilver Cash Rewards Credit Card, American Express Platinum Card®, American Express® Gold Card, Capital One Venture Rewards Credit Card, Ink Business Preferred® Credit Card, Wells Fargo Autograph® Card, Bank of America® Travel Rewards Credit Card for Students, Capital One Platinum Secured Credit Card, Bank of America® Travel Rewards credit card, American Express® Green Card, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Platinum American Express Card, Hilton Honors Aspire Card from American Express, Hilton Honors American Express Surpass® Card, Marriott Bonvoy Brilliant® American Express® Card, Bank of America® Premium Rewards® credit card, AtmosTM Rewards Ascent Visa Signature® credit card, Hawaiian Airlines® Business MasterCard®, AAdvantage® Aviator® Red World Elite Mastercard®, JetBlue Business Card, Capital One VentureOne Rewards Credit Card, Capital One Savor Cash Rewards Credit Card, Capital One Spark Cash Select, Chase Sapphire Reserve®, The New United℠ Explorer Card, The New United Club℠ Card, British Airways Visa Signature® Card, Southwest Rapid Rewards® Premier Credit Card, IHG One Rewards Premier Credit Card, World of Hyatt Credit Card, Marriott Bonvoy Boundless® Credit Card, Citi Strata Premier® Card, Citi® / AAdvantage® Executive World Elite Mastercard®, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Costco Anywhere Visa® Card by Citi, U.S. Bank Altitude® Go Visa Signature® Card, PenFed Pathfinder® Rewards Visa Signature® Card and Citi Double Cash® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
