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2019

Best No Foreign Transaction Fee Credit Cards

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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.

Best No Foreign Transaction Fee Credit Cards
Brendan Harkness

By Brendan Harkness

Our Selection Criteria

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.
  • Shopping and travel benefits: The best credit cards have quite valuable perks, like travel credits or airport lounge access, but most cards still come with some kind of cost-saving protections.
  • 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?
Best No Foreign Transaction Fee Credit Cards
Brendan Harkness

By Brendan Harkness

Is a No Foreign Transaction Fee Card Right for You?

Do you regularly 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.

Our Selection Criteria
BEST PICK FOR

General Travel Rewards

Chase Sapphire Preferred® Card

Our rating
Credit range Good
Details
Annual Fee $95
Regular APR 17.99% - 24.99% Variable

The Chase Sapphire Preferred® Card is one of the most popular travel rewards cards, and for good reason. With points for typical travel expenses, a great intro bonus offer, and decent travel protections — all for an annual fee on the low end — this card is hard to beat. (But check out the Reserve below for an upgraded option that’s even better.)

  • 2X Ultimate Rewards points per dollar on:
    • Travel
    • Dining
  • 1X Ultimate Rewards point per dollar for every other purchase
  • 60,000 bonus points for spending $4,000 in the first 3 months after account opening
    • Value: $600–$1,200 (assuming 1–2 cents per point)
    • Return on spend: 15%–30%
  • 25% point bonus: When redeeming for travel expenses through Chase Ultimate Rewards
  • Point transfer: Transfer points at a 1:1 rate to leading airline and hotel frequent travel programs, like Marriott Bonvoy and United MileagePlus.
  • Luxury Hotel Collection: Book eligible rooms to get perks like daily breakfast for two, complimentary WiFi, room upgrades, early check-in, late checkout, and unique gifts.
  • Visa Signature Concierge: Call to speak with your personal concierge any time, day or night.
  • Premium Auto Rental Collision Damage Waiver: Get primary coverage on eligible car rentals so you don’t have to pay for insurance and your premiums won’t go up after an accident.
  • Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers in the Shop through Chase and Chase Offers marketplaces.
  • Annual fee: $95

Bank of America® Premium Rewards® Credit Card

  • 2X points per dollar on Travel and Dining
  • 1.5X points per dollar on everything else
  • 50,000 bonus points for spending $3,000 in the first 90 days after account opening
  • Annual fee: $95
View card details

Capital One® Venture® Rewards Credit Card

  • 10X miles per dollar at hotels.com/venture through January 2020
  • 2X miles per dollar for every other purchase
  • 50,000 bonus miles for spending $3,000 in the first 3 months after account opening
  • Annual fee: $0 intro for first year; $95 after that
View card details

Citi Premier Card

  • 3X points per dollar for Travel, including gas stations
  • 2X points per dollar at Restaurants and on Entertainment
  • 60,000 bonus points for spending $4,000 in the first 3 months after account opening
  • Annual fee: $95
View card details
2 3
BEST PICK FOR

Premium Travel Rewards

Chase Sapphire Reserve®

Our rating
Credit range Excellent
Details
Annual Fee $450
Regular APR 18.99% - 25.99% Variable

Frequent travelers can get a lot of mileage out of the Chase Sapphire Reserve®. The annual fee is mostly offset by the annual travel credit, leaving you with excellent rewards and benefits for an effective annual fee that’s not too much higher than the Sapphire Preferred’s.

  • 3X Ultimate Rewards points per dollar on:
    • Travel (after using the full $300 travel credit)
    • Dining
  • 1X Ultimate Rewards point per dollar on all other purchases
  • 50,000 bonus points for spending $4,000 in the first 3 months after account opening
    • Value: $500–$1,000 (assuming 1–2 cents per point)
    • Return on spend: 12.5%–25%
  • $300 annual travel credit: Get a $300 travel credit every year, that will be automatically applied toward a broad range of travel-related expenses charged to the card.
  • Priority Pass Select membership: Membership includes access to over 1,000 airport lounges worldwide plus a selection of restaurants. The cardholder and two guests can enter for free; additional guests cost $27 each.
  • Luxury Hotel & Resort Collection: Provides complimentary services and benefits at participating hotels and resorts, including room upgrades, daily breakfast for two, and special gifts
  • Global Entry or TSA PreCheck application fee credit: Get a statement credit to offset the cost of applying for Global Entry ($100) or TSA PreCheck ($85), once every four years.
  • Elite Hotel Benefits at Relais & Châteaux: Accelerated progress towards Club 5C member status with Relais & Châteaux luxury hotel and resort properties
  • Visa Infinite Concierge: Call for non-emergency help of all kinds, like making dinner reservations or finding good tickets to a show.
  • Car rental privileges: Rental upgrades, discounts, and promotional offers at Avis, Silvercar, and National Car Rental
  • 50% point bonus: When redeeming for travel expenses through Chase Ultimate Rewards
  • Point transfer: Transfer your points at a 1:1 rate to a variety of airline and hotel loyalty programs, like United, JetBlue, and Marriott.
  • No foreign transaction fees
  • Annual fee: $450

The Platinum Card® from American Express

  • 5X points per dollar on:
    • Flights booked directly through airlines or through American Express Travel
    • Prepaid hotels booked through American Express Travel
  • 2X points per dollar on other eligible travel expenses booked through American Express Travel
  • 60,000 bonus points for spending $5,000 in the first 3 months
  • Annual fee: $550 (Rates & Fees)
View card details

Citi Prestige® Card

  • 5X points per dollar on Air travel and Restaurants
  • 3X points per dollar on Hotels and Cruise lines
  • 50,000 bonus points for spending $4,000 in the first 3 months
  • Annual fee: $495
View card details

U.S. Bank Altitude Reserve Visa Infinite® Card

  • 3X points per dollar on Travel and Mobile wallet purchases
  • 50,000 bonus points for spending $4,500 in the first 90 days
  • Annual fee: $400
View card details
2 3
BEST PICK FOR

Dining Abroad

American Express® Gold Card

Our rating
Credit range Good
Details
(Rates & Fees)
Annual Fee $250
Regular APR N/A
Apply Now

securely on the issuer's website

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.

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 below for some excellent options.

  • 4X Membership Rewards points per dollar at:
    • Restaurants worldwide
    • U.S. supermarkets (up to $25,000 spent annually)
  • 3X Membership Rewards points per dollar on:
  • 1X Membership Rewards point per dollar on all other purchases
  • 35,000 bonus points for spending $2,000 in the first 3 months after account opening
    • Value: $350–$700 (assuming 1–2 cents per point)
    • Return on spend: 17.5%–35%
  • $120 annual dining credit: Earn up to $10 in statement credits per month for purchases at eligible restaurants and food delivery services.
  • $100 annual airline fee credit: Use this to pay for incidental airline fees, like baggage and in-flight food and drinks. Does not apply to flight tickets.
  • Point transfer: To airline and hotel loyalty programs, like JetBlue, Southwest Airlines, Marriott Bonvoy, and Hyatt
  • 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.
  • Complimentary ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
  • Annual fee: $250 (Rates & Fees)
  • Charge card: You must pay your balance in full each month.

Citi Prestige® Card

  • 5X points per dollar on Air travel and Restaurants
  • 3X points per dollar on Hotels and Cruise lines
  • 50,000 bonus points for spending $4,000 in the first 3 months
  • Annual fee: $495
View card details

Chase Sapphire Reserve®

  • 3X points per dollar for Travel (after the full travel credit is used) and Dining
  • 50,000 bonus points for spending $4,000 in the first 3 months
  • Annual fee: $450
View card details

Uber Visa Card

  • 4% cash back on Dining, including UberEATS
  • 3% cash back at Airlines, Hotels, and Travel agencies
  • 2% cash back for Online purchases, including Uber (excludes third-party payments like PayPal, utilities, and others)
  • $100 cash back for spending $500 in the first 90 days
  • Annual fee: $0
View card details

Capital One® Savor® Cash Rewards Credit Card

  • 8% cash back on tickets at Vivid Seats (until 5/2020)
  • 4% cash back on Dining and Entertainment
  • 2% cash back at Grocery stores
  • $300 cash bonus for spending $3,000 in the first 3 months
  • Annual fee: $0 intro for first year; $95 after that
View card details
2 4

American Express is a Credit Card Insider advertiser.

BEST PICK FOR

Cash Back Rewards

Uber Visa Card

Our rating
Credit range Good
Details
Annual Fee $0
Regular APR 17.99%, 23.99% or 28.74% Variable
Apply Now

securely on the issuer's website

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 Uber Visa Card. You’ll earn simple cash back at a great rate on dining, and the travel categories are surprisingly competitive too, especially for a card with no annual fee.

  • 4% cash back on Dining, including restaurants, bars, and UberEATS
  • 3% cash back at:
    • Airlines
    • Hotels
    • Travel agencies
  • 2% cash back for Online purchases, including Uber (excludes third-party payments like PayPal, utilities, and others)
  • 1% cash back for all other purchases
  • $100 cash bonus for spending $500 in the first 90 days after account opening
    • Return on spend: 20%
  • $50 online subscription credit: A $50 annual credit for online subscription services after spending $5,000 or more with the card in a membership year
  • Free Credit Score: Check your FICO Score 8 for free, based on your TransUnion credit report.
  • Shopping and Travel protections: Including Cell Phone Insurance, Price Protection, Extended Warranty Protection, and more
  • No foreign transaction fees
  • Annual fee: $0

Capital One® Savor® Cash Rewards Credit Card

  • 8% cash back on tickets at Vivid Seats (until 5/2020)
  • 4% cash back on Dining and Entertainment
  • 2% cash back at Grocery Stores
  • $300 cash bonus for spending $3,000 in the first 3 months
  • Annual fee: $0 intro for first year; $95 after that
View card details

Capital One® Quicksilver® Cash Rewards Credit Card

  • 1.5% cash back for every purchase
  • $150 cash bonus for spending $500 in the first 3 months
  • Annual fee: $0
View card details

Deserve Pro Mastercard

  • 3% cash back on Travel and Entertainment
  • 2% cash back at Restaurants
  • One-year Priority Pass Select membership for spending $1,000 in the first 90 days ($27 lounge entry fee per person)
  • Annual fee: $0

Take note that Deserve will need to connect to your bank account to verify your balance when you apply, because Deserve bases its decision on more than the typical credit approval criteria.

View card details
2 3
BEST PICK FOR

No Annual Fee

Capital One® VentureOne® Rewards Credit Card

Our rating
Credit range Good
Details
Annual Fee $0
Regular APR 13.74% - 23.74% (Variable)

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).

  • 10X miles per dollar at hotels.com/venture (until 01/31/20)
  • 1.25X miles per dollar for every other purchase
  • 20,000 bonus miles for spending $1,000 in the first 3 months after account opening
    • Value: $200–$400 (assuming 1–2 cents per mile)
    • Return on spend: 20%–40%
  • Mile transfer: To a variety of airline loyalty programs
  • Luxury Hotel Collection: Provides benefits at eligible hotels, like a $25 food and beverage credit, complimentary WiFi, automatic room upgrades, and more
  • Shopping and Travel protections: Purchase Security, Roadside Dispatch, an Auto Rental Collision Damage Waiver, and more
  • Purchase APR: 0% for 12 months, then 13.74% - 23.74% (Variable) APR
  • No foreign transaction fees
  • Annual fee: $0

Bank of America® Travel Rewards Credit Card

  • 3X points per dollar at the Bank of America Travel Center
  • 1.5X points per dollar on all other purchases
  • 25,000 bonus points for spending $1,000 in the first 90 days
  • Annual fee: $0
View card details

Wells Fargo Propel American Express® card

  • 3X points per dollar for Restaurants, Gas stations, Travel, and Eligible streaming services
  • 30,000 bonus points for spending $3,000 in the first 3 months
  • Annual fee: $0
View card details

Hilton Honors American Express Card

  • 19X points per dollar at Hilton (7X from the card, 12X for Hilton Honors Silver status)
  • 5X points per dollar at U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • 3X points per dollar for every other purchase
  • 75,000 bonus points for spending $1,000 in the first 3 months
  • Annual fee: $0 (Rates & Fees)
View card details

Marriott Bonvoy Bold™ Credit Card

  • 13X points per dollar at Marriott Bonvoy (3X from the card, 10X from Marriott Bonvoy Silver Elite status)
  • 2X points per dollar on Travel
  • 30,000 bonus points for spending $1,000 in the first 3 months
  • Annual fee: $0
View card details
2 4
BEST PICK FOR

Airline Rewards

Southwest Rapid Rewards® Priority Credit Card

Our rating
Credit range Good
Details
Annual Fee $149
Regular APR 17.99% - 24.99% Variable
Apply Now

securely on the issuer's website

Most airline credit cards are pretty similar, with discounts on in-flight purchases, free checked bags, and priority boarding. But the Southwest Rapid Rewards® Priority Credit Card goes a bit further, with an annual credit to help offset its annual fee.

You won’t get free checked bags — but that’s because Southwest always allows two free checked bags! (Of standard size.)

  • 8X points per dollar at Southwest Airlines
    • 2X points per dollar from the card
    • 6X points per dollar or more from Base fare type
  • 2X points per dollar at Rapid Rewards hotel and car rental partners
  • 1X point per dollar for every other purchase
  • 40,000 bonus points for spending $1,000 in the first 3 months after account opening
    • Value: $400–$600 (assuming 1–1.5 cents per point)
    • Return on spend: 40%–60%
  • 20,000 bonus points for spending $12,000 in the first 12 months after account opening
    • Value: $200–$300 (assuming 1–1.5 cents per point)
    • Return on spend: 1.67%–2.5%
  • 7,500 annual bonus points: You’ll receive 7,500 bonus points every year on your account anniversary.
  • $75 annual Southwest travel credit: An automatic statement credit every year for Southwest purchases, excluding upgraded boardings and in-flight purchases
  • Upgraded boardings: Get four upgraded boardings per year (reimbursed as a statement credit at the end of the year).
  • Tier Qualifying Points: Every $10,000 spent earns 1,500 Tier Qualifying Points toward A-List status, up to $100,000 spent annually.
  • 20% discount on in-flight purchases on Southwest flights: 20% off eligible in-flight purchases, like food, drinks, and WiFi
  • No foreign transaction fees
  • Annual fee: $149

Alaska Airlines Visa Signature® Credit Card

  • 5X miles per dollar at select Restaurants
  • 3X miles per dollar at Alaska Airlines (plus standard miles earned from airfare)
  • 40,000 bonus miles and a Companion Fare for spending $2,000 in the first 90 days
  • Annual fee: $75
View card details

United℠ Explorer Card

  • 7X miles per dollar at United (2X from the card, 5X from Basic MileagePlus member status)
  • 2X miles per dollar for:
    • Hotel accommodations made directly with hotels
    • Restaurants
  • 40,000 bonus miles for spending $2,000 in the first 3 months
  • Annual fee: $0 introductory annual fee for the first year, then $95.
View card details

JetBlue Plus Card

  • 12X points per dollar at JetBlue (6X from the card, 6X or more from flight status)
  • 2X points per dollar at Restaurants and Grocery stores
  • 40,000 bonus points for spending $1,000 in the first 90 days
  • Annual fee: $99
View card details

AAdvantage® Aviator™ Red World Elite Mastercard®

  • 7X miles per dollar at American Airlines (2X from the card, 5X from member status)
  • 60,000 bonus miles and a Companion Certificate after paying the annual fee and making a purchase in the first 90 days
  • Annual fee: $99
View card details
2 4
BEST PICK FOR

Hotel Rewards

Hilton Honors Aspire Card

Our rating
Credit range Excellent
Details
Annual Fee $450
Regular APR 17.74%–26.74% Variable
Apply Now

securely on the issuer's website

Hotel credit cards tend to be pretty valuable, with outstanding rewards and benefits focused on one particular chain. The Hilton Honors Aspire Card is no exception.

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.

  • 34X Hilton Honors points per dollar at Hilton properties
    • 14X Bonus points per dollar from the card
    • 20X Base points per dollar for your Hilton Honors Diamond status
  • 7X Bonus points per dollar on:
    • Flights booked directly with airlines or Amex Travel
    • Car rentals booked directly from select car rental companies
    • U.S. restaurants
  • 3X Bonus points per dollar on all other purchases
  • 150,000 Bonus points for spending $4,000 in the first 3 months after account opening
    • Value: $600–$1,500 (assuming 0.4–1 cent per point)
    • Return on spend: 15%–37.5%
  • Complimentary Hilton Honors Diamond status: Includes a 100% bonus on Base points earned, room upgrades to suites when available, executive lounge access, a 48-hour room guarantee, and more
  • Annual free Weekend Night Award: One free night every year, and earn another free weekend night by spending $60,000 in a calendar year
  • $100 Hilton on-property credit: Good for every eligible stay of two nights or more, valid for incidental fees only
  • Annual $250 Hilton resort statement credit
  • Annual $250 airline fee statement credit: For incidental fees only
  • Priority Pass Select membership: Free access to Priority Pass airport lounges for you and up to two guests (excludes non-lounge experiences)
  • No foreign transaction fees
  • Annual fee: $450

Marriott Bonvoy Brilliant™ American Express® Card

  • 18.5X points per dollar at Marriott Bonvoy properties (6X from the card, 12.5X from Marriott Bonvoy Gold status)
  • 3X points per dollar for U.S. restaurants and Flights booked directly with airlines
  • 75,000 bonus points for spending $3,000 in the first 3 months
  • Annual fee: $450
View card details

The World Of Hyatt Credit Card

  • 9X points per dollar at Hyatt (4X from the card, 5X from member status)
  • 2X points per dollar for Restaurants, Local transit and commuting, Flights purchased directly from airlines, and Fitness club/gym memberships
  • 25,000 bonus points for spending $3,000 in the first 3 months; 25,000 bonus points for spending $6,000 in the first 6 months
  • Annual fee: $95
View card details

IHG® Rewards Club Premier Credit Card

  • For the first 12 months: 40X points at IHG; 4X points for every other purchase
  • After the first 12 months: 25X points at IHG; 2X points at Gas stations, Grocery stores, and Restaurants
  • 80,000 bonus points for spending $2,000 in the first 3 months after account opening
  • Annual fee: $89
View card details
2 3

The information related to Hilton Honors Aspire Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to Hilton Honors Aspire Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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