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Traveling outside the country? Buying anything in a foreign currency? Get a credit card with no foreign transaction fees to avoid paying extra on every purchase.
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The information related to Capital One VentureOne Rewards Credit Card, Capital One Savor Cash Rewards Credit Card, Hilton Honors American Express Aspire Card, The Business Platinum Card® from American Express, Capital One Venture Rewards Credit Card, American Express® Green Card, Capital One Quicksilver Cash Rewards Credit Card, Capital One SavorOne Cash Rewards Credit Card, American Express® Business Gold Card, Capital One Spark Miles for Business, and Capital One Spark Miles Select for Business have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.
Besides having no foreign transaction fee, of course, here are some features to look for.
Fits your needs: Maybe you just need a card for spending outside the U.S. and traveling abroad, which is fine. Look to travel cards. Or perhaps you want a card to use for your everyday shopping as well. Look to issuers that never charge FT fees, like Capital One or Discover.
A useful rewards program: It’s great to earn a bit of cash back or some points for the types of purchases you make the most. You can save on fees while earning rewards you can cash in for free trips, a perfect combo for travelers.
A reasonable annual fee: The card you want might have an annual fee, but don’t let that stop you. Just make sure the rewards and benefits are valuable enough to you to make that fee worth it.
Good customer support: You hope to never use it, but a solid customer support team behind your card can save you from a headache or two. That’s especially true if you’re traveling outside the U.S. and run into some issues using your card.
Is a No Foreign Transaction Fee Card Right for You?
Do you often find yourself traveling outside the United States? Are you planning to make any purchases in a foreign currency?
If you answered yes to either of these questions, a credit card with no foreign transaction fees would probably be useful to you.
Foreign transaction fees are a cost that you should do your best to avoid — and luckily, that’s pretty easy to do.
You’ll often find this feature on travel rewards credit cards, designed for traveling abroad, but there are quite a few others that share it as well. And many of these cards don’t have annual fees either, which means you don’t need to pay a cent when using them as long as you avoid interest.
There are four credit card issuers that don’t include foreign transaction fees on any of their cards. These issuers are:
Remember that different credit card networks tend to have more or less worldwide acceptance. Visa cards and Mastercards are accepted nearly everywhere, while American Express acceptance is more limited (but growing — think big cities and tourist attractions). Discover doesn’t have great acceptance outside the U.S., but it is accepted at many merchants that use the JCB or UnionPay networks, which are massive in Asia.
The American Express® Gold Card recently expanded its restaurant category to include dining establishments worldwide, rather than being limited to the U.S., making it a strong contender for traveling foodies.
4X Membership Rewards points per dollar at:
U.S. Supermarkets (up to $25,000 per calendar year in purchases, then 1X)
1X Membership Rewards point per dollar for every other purchase
60,000 bonus points for spending $4,000 in the first 6 months
American Express isn’t as widely accepted around the world as Visa or Mastercard, but, depending on your travel plans, it could work out well. If you’re sticking with big cities, tourist hotspots, and international brands, you may not run into many problems. But if you’re traveling off the beaten path you may want a card with better acceptance. Check out the runners up for some excellent options.
$120 annual dining credit: Earn up to $10 in statement credits per month for purchases at eligible restaurants and food delivery services.
Point transfer: To airline and hotel loyalty programs, like JetBlue, Southwest Airlines, Marriott Bonvoy, and Hyatt
Up to $120 in Uber Cash: Add the Gold Card to the Uber App to get up to $10 in Uber Cash per month; U.S. Eats orders and rides only.
Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
The Hotel Collection: Provides up to $100 in credits for every eligible hotel stay of two nights or more.
Amex Offers: Find significant discounts at a changing selection of merchants, like (at the time of publication) BestBuy.com, Macys.com, and Staples (offers are limited; enrollment required).
Complimentary ShopRunner membership:ShopRunner provides free two-day shipping and returns at participating online retailers.
Rose Gold is back. You can now choose between Gold or Rose Gold.
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
$120 Uber Cash: 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: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
No Foreign Transaction Fees.
Annual Fee is $250.
American Express is a Credit Card Insider advertiser.
Points can be tricky — how much are they really worth? Are you willing to transfer rewards and look for the best prices? How long will you spend trying to find a good deal before you settle for a low-point-value redemption?
Some people are willing to work with points, but if you want a more straightforward rewards program try out the Capital One Savor Cash Rewards Credit Card. You’ll earn simple cash back at a great rate on dining, and the other categories aren’t too shabby either.
8% cash back on tickets at Vivid Seats
4% cash back on:
2% cash back at Grocery Stores
1% cash back on all other purchases
$300 cash bonus for spending $3,000 in the first 3 months
Not ready to pay for a new credit card? No problem.
You can use the Capital One VentureOne Rewards Credit Card to earn a surprising number of miles through Hotels.com, making this one of the most rewarding cards with no annual fee, travel or otherwise. You won’t get a bunch of luxury perks, of course, but you can transfer miles to a selection of airline partners where they may be more valuable (a much-loved card feature).
1.25X miles per dollar spent on all purchases
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
14X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
7X Hilton Honors points per dollar spent on:
Flights booked directly with airlines or amextravel.com
Car rentals booked directly from select car rental companies
3X Hilton Honors points per dollar spent on all other purchases
150,000 bonus points for spending $4,000 on purchases in the first 3 months after account opening
If you find yourself at Hilton hotels more than once or twice per year, imagine what you could get from all these extra points, along with the free weekend nights and enhanced member status. There are even credits that help the card pay for itself, and lounge access to help you relax or be more productive at the airport.
6X Marriott Bonvoy Bonus pointsperdollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
3X Marriott Bonvoy pointsperdollar:
At U.S. restaurants
On flights booked directly with airlines
2X Marriott Bonvoy pointsperdollar spent on all other purchases
125,000 bonus points for spending $5,000 in the first 3 months; up to $200 in statement credits for eligible purchases at U.S. restaurants in the first 6 months
Perks: $300 annual Marriott Bonvoy credit; annual Free Night Award; Gold Elite hotel status; Priority Pass Select membership; Global Entry/TSA PreCheck credit; 15 Elite Night Credits; $100 Ritz-Carlton or St. Regis property credit
Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
Earn 14X Hilton Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
Earn 7X Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies & at U.S. restaurants.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Enjoy up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio.
Enjoy complimentary Diamond status with your Hilton Honors Aspire Card.
$450 annual fee.
American Express is a Credit Card Insider advertiser.
The information related to Hilton Honors American Express Aspire Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Like its personal counterpart, the Business Platinum comes with excellent airport lounge access through Amex’s Global Lounge Collection, which covers Priority Pass and a variety of other lounge brands, including high-end Centurion Lounges.
5X Membership Rewards points per dollar spent on flights and prepaid hotels on the American Express Travel website
1.5X Membership Rewards points per dollar spent on eligible purchases of $5,000 or more (an extra .5 points per dollar, up to 1 million extra points per year)
1X Membership Rewards point per dollar spent on all other purchases
100,000 bonus points for spending $15,000 on eligible purchases within the first 3 months of Card Membership
Global Lounge Collection: Complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges
Up to $200 in airline fee statement credits annually: Good for incidental costs like checked bags and inflight food, not tickets, at your selected airline
Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 once every four years) or TSA PreCheck ($85 once every four-and-a-half years)
Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
$200 Dell statement credit: Enroll to get an annual $200 statement credit for U.S. purchases with Dell: $100 from January through June, and $100 from July through December
The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
Point transfer: To a selection of airline and hotel partners
Annual fee: $595
The Business Platinum Card® from American Express (Rates & Fees)
Traveling internationally? You may want a card equipped with chip-and-PIN technology, rather than just your standard chip-and-signature. Some terminals outside the U.S. (like automated kiosks) only accept PIN cards, so you could be stuck if you only have cards that use a signature for verification.
Not every issuer offers PIN cards, but several do (see them here). One of the best available is the Citi Prestige® Card (Review), with its coveted fourth night free perk — you’ll get your fourth hotel night free when booking through ThankYou.com, up to twice per year.
5X ThankYou points per dollar spent on:
3X ThankYou points per dollar spent on:
1X ThankYou point per dollar spent on everything else
50,000 ThankYou points for spending $4,000 within 3 months of account opening
Complimentary 4th Night Stay: Get your fourth night free when booking four nights in a row through ThankYou.com and paying with your card, ThankYou points, or a combination of both. Capped at twice per year.
Point transfer: To a variety of frequent flyer programs, including Etihad Guest, JetBlue TrueBlue, and Virgin Atlantic Flying Club.
Annual $250 travel credit: Good for airline tickets, hotel rooms, car rentals, and other travel expenses.
Priority Pass Select membership: Access to over 900 Priority Pass airport lounges and restaurants around the world.
Global Entry or TSA PreCheck application fee credit: A credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every five years.
Citi Prestige Concierge: Call for non-emergency help any time you need it.
World Elite Car Rental Program: Elite memberships at Avis, Silvercar, and National.
Complimentary 4th night free on eligible hotel stays, capped at twice per year
Complimentary Priority Pass Select membership
Global Entry or TSA Pre✓ Application Fee Credit
No foreign transaction fees
$495 annual fee
Citi is a Credit Card Insider advertiser.
Frequently Asked Questions
What is a foreign transaction fee?
A foreign transaction fee (also known as a foreign currency exchange fee) is an extra charge for credit card purchases made in foreign currency.
Depending on your card, you may be charged a foreign transaction fee if you’re traveling and making purchases outside the U.S., or just buying something from a merchant based outside the States. If that sounds like you, see some of our favorite cards for international travel.
How much are foreign transaction fees on average?
Credit cards often charge 3% for purchases made in foreign currency, but some are more or less than that. You can check your card’s terms to see your foreign transaction fee.
What credit card issuers don’t charge foreign transaction fees?
Most credit card issuers include foreign transaction fees on at least some of their cards. Capital One and Discover break the mold, as they don’t charge foreign currency exchange fees on any of their cards.
Other than that, you’ll find cards without FT fees from issuers including: