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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.
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?
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 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 Chase Sapphire Reserve® (Review) for an upgraded option that’s even better.)
Spending Rewards
5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
2X Ultimate Rewards points per dollar for:
Travel
Restaurants
Groceries (up to $1,000 spent per month; through 4/30/21)
1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
80,000 bonus points for spending $4,000 in the first 3 months; up to $50 in statement credits toward grocery purchases in the first year
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.
DoorDash membership: A free membership (DashPass) for at least a year, which provides free delivery and reduced service fees on orders over $12.
$60 Peloton credit: Enroll to get up to $60 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
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.
Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Key Features
Perks: Point transfer; Global Entry/TSA PreCheck fee credit
Frequent travelers can get a lot of mileage out of the Chase Sapphire Reserve® (Review). 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.
Spending Rewards
10X Ultimate Rewards points per dollar on Lyft rides (through 3/31/22)
3X Ultimate Rewards points per dollar on:
Travel (after the full travel credit is used)
Dining
Groceries (up to $1,000 spent per month; through 4/30/21)
1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
60,000 bonus points for spending $4,000 in the first 3 months after account opening
$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
$120 Peloton credit: Enroll to get up to $120 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
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
Lyft Pink membership: One free year of Lyft Pink, which includes 15% off rides, relaxed cancellations, surprise offers, and priority airport pickup
DoorDash membership: A free membership (DashPass) for a year, which provides free delivery and reduced service fees on orders over $12
$60 annual DoorDash credit: Get $60 in DoorDash credits in 2020, and $60 in credits in 2021
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
5X Membership Rewards points per dollar (on up to $500,000 spent per calendar year, then 1X) on:
Flights booked directly through airlines or through American Express Travel
Prepaid hotels booked through American Express Travel
2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
1X Membership Rewards point per dollar on all other purchases
Introductory Bonus
75,000 bonus points for spending $5,000 in the first 6 months; 10X points on eligible purchases at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, in the first 6 months
Key Features
Perks: Global Lounge Collection; $200 in annual Uber credits; $100 annual Saks credit; Global Entry/TSA PreCheck fee credit; Hilton Honors Gold and Marriott Bonvoy Gold Elite status
Annual fee: $550
The Platinum Card® from American Express (Rates & Fees)
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.
Spending Rewards
4X Membership Rewards points per dollar at:
Restaurants worldwide
Uber Eats
U.S. Supermarkets (up to $25,000 per calendar year in purchases, then 1X)
1X Membership Rewards point per dollar for every other purchase
Introductory Bonus
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.
Terms Apply.
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.
Spending Rewards
8% cash back on tickets at Vivid Seats
4% cash back on:
Dining
Entertainment
2% cash back at Grocery Stores
1% cash back on all other purchases
Introductory Bonus
$300 cash bonus for spending $3,000 in the first 3 months
Complimentary Postmates Unlimited membership: Get a statement credit each month for a Postmates Unlimited membership ($9.99/month), until December 2019.
CreditWise: Check your VantageScore 3.0 credit score for free, based on your TransUnion credit report, and see information from that report.
World Elite Mastercard Concierge: Call any time for non-emergency help with making reservations, finding hard-to-find gifts, and more.
World Elite Mastercard benefits: Including Price Protection, Extended Warranty, MasterRental Insurance, Trip Cancellation/Interruption Insurance, and more.
The information related to Capital One Savor Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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).
Spending Rewards
1.25X miles per dollar spent on all purchases
Introductory Bonus
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
7X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
5X Bonus points per dollar at:
U.S. supermarkets
U.S. restaurants
U.S. gas stations
3X Bonus points per dollar for all other purchases
Introductory Bonus
80,000 bonus points for spending $1,000 in the first 3 months; 50,000 bonus points for spending a total of $5,000 in the first 6 months
Key Features
Perks: Hilton Honors Gold status; Limited Priority Pass Select membership; Annual Weekend Night Award for spending $15,000 in a calendar year; Shopping and travel protections
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25X miles on every purchase, every day
Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
Miles won’t expire for the life of the account and there’s no limit to how many you can earn
Transfer your miles to over 15+ travel loyalty programs
Enjoy 0% intro APR on purchases for 12 months; 15.49% – 25.49% variable APR after that
The information related to Capital One VentureOne Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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
60,000 AAdvantage bonus miles and a Companion Certificate for 1 guest at $99 (plus taxes and fees) after making a purchase in the first 90 days and paying the annual fee
Key Features
Perks: First checked bag free, Preferred Boarding, 25% savings on eligible in-flight purchases, $25 annual credit for in-flight WiFi
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
U.S. restaurants
3X Hilton Honors points per dollar spent on all other purchases
Introductory Bonus
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.
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)
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
Introductory Bonus
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
Key Features
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
9X points per dollar on eligible net purchases at participating Hyatt hotels and resorts:
4X Bonus points from the card
5X Base points from Discoverist member status
2X Bonus points per dollar on:
Restaurants
Airline tickets purchased directly from the airline
Local transit/commuting
Fitness clubs and gym memberships
1X Bonus point per dollar on all other purchases
Introductory Bonus
30,000 bonus points for spending $3,000 in the first 3 months; 2 bonus points per $1 on purchases that earn 1 bonus point, up to $15,000 spent in the first 6 months
Key Features
Perks: Discoverist status; Annual free night stay after your anniversary; Visa Signature Concierge
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.
Terms Apply.
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.
If you want the best for business travel, you can’t overlook The Business Platinum Card® from American Express (Review). With premium perks and rewards to match, it provides quite a bit more than your average business card.
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.
Spending Rewards
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
Introductory Bonus
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)
5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
3X Ultimate Rewards points per dollar on the first $150,000 spent per year on:
Travel
Shipping
Internet, cable, and phone services
Advertising purchases made with social media sites and search engines
1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
100,000 bonus points for spending $15,000 in the first 3 months after account opening
Key Features
Perks: 25% point bonus; Point transfer; Shop through Chase/Chase Offers; Visa Signature Concierge; Luxury Hotel Collection; Shopping and travel protections
4X Membership Rewards points per dollar in the two categories with the highest spend per month, up to $150,000 in combined purchases per year (then 1X):
Airfare purchased directly from airlines
U.S. advertising purchases: online, TV, radio
U.S. providers of computer hardware, software, and cloud solutions
U.S. gas stations
U.S. restaurants
U.S. shipping
2X Membership Rewards points per dollar for eligible purchases from American Express Travel
1X Membership Rewards point per dollar for all other purchases
Introductory Bonus
70,000 bonus points for spending $10,000 on eligible purchases within the first 3 months of Card Membership
Key Features
Perks: 25% airline redemption bonus; The Hotel Collection; point transfer
Annual fee: $295
American Express® Business Gold Card (Rates & Fees)
The information related to The Business Platinum Card® from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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.
Spending Rewards
5X ThankYou points per dollar spent on:
Air travel
Restaurants
3X ThankYou points per dollar spent on:
Hotels
Cruise lines
1X ThankYou point per dollar spent on everything else
Introductory Bonus
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.
Although many credit cards charge foreign transaction fees, they’re typically waived for travel cards, including many airline and hotel cards.
What are the best cards with no foreign transaction fees?
Our favorite cards without foreign transaction fees include:
Airline credit cards: Your airline of choice likely has a credit card with no foreign transaction fee.
Hotel credit cards: Most hotel cards don’t charge extra for purchases outside the U.S.
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:
