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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, Southwest Rapid Rewards® Priority Credit Card, Hilton Honors American Express Aspire Card, The Business Platinum Card® from American Express, American Express® Green Card, United℠ Explorer Card, The World of Hyatt Credit Card, IHG® Rewards Club Premier 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.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
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:
Travel purchased through Chase Ultimate Rewards
Lyft rides (through March 2022)
3X Ultimate Rewards points per dollar:
Dining
Select streaming services
Online grocery purchases (excluding Target, Walmart, and wholesale clubs)
2X Ultimate Rewards points per dollar for other Travel purchases
1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
60,000 bonus points after spending $4,000 on purchases in the first 3 months
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 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
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:
Chase Dining through Ultimate Rewards
Hotel stays and Car rentals through Ultimate Rewards (after the full travel credit is used)
Lyft rides (through 3/31/22)
5X Ultimate Rewards points per dollar on Air travel through Ultimate Rewards (after the full travel credit is used)
3X Ultimate Rewards points per dollar:
Travel (after the full travel credit is used)
Dining
1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
50,000 bonus points after spending $4,000 on purchases in the first 3 months
$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
Flights booked directly through airlines or through Amex Travel (on up to $500,000 spent per calendar year, then 1X)
Prepaid hotels booked through Amex Travel
2X Membership Rewards points per dollar on other eligible travel expenses booked through Amex Travel
1X Membership Rewards point per dollar on other eligible purchases
Introductory Bonus
100,000 bonus points for spending $6,000 in the first 6 months; 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first 6 months
Perks: Global Lounge Collection; Hilton Honors Gold and Marriott Bonvoy Gold Elite status; Global Entry/TSA PreCheck fee credit; Up to $200 in annual Uber Cash; Uber VIP status; Up to $100 in annual Saks credits; Point transfer; The Hotel Collection; Fine Hotels and Resorts
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $695
Enrollment required for select benefits; terms and limitations apply.
The Platinum Card® from American Express (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
10X miles per dollar for Hotels and Rental Cars booked through Capital One Travel
5X miles per dollar for Flights booked through Capital One Travel
2X miles per dollar for every other purchase
Introductory Bonus
100,000 bonus miles for spending $10,000 in the first 6 months; up to $200 in statement credits for vacation rental purchases like Airbnb and VRBO
Perks: $300 annual Capital One Travel credit; 10,000 anniversary bonus miles; Capital One Lounge access; Priority Pass Select membership; Global Entry/TSA PreCheck application fee credit; Mile transfer; Visa Infinite Concierge
Shopping and travel protections: Auto Rental Collision Damage Waiver; Travel and Emergency Assistance Services; Trip Cancellation and Interruption; Trip Delay Reimbursement; Travel Accident Insurance; Lost Luggage Reimbursement; Cellular Telephone Protection; Purchase Security; Extended Warranty Protection; Return Protection
Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
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 at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: 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.
1X Membership Rewards point per dollar for every other eligible 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.
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
Streaming Services
3% 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
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.
Earn 40,000 bonus points after spending $1,000 on purchases in the first 3 months your account is open. Plus, now enjoy more benefits and more ways to earn.
7,500 anniversary points each year.
NEW! Earn 3X points on Southwest® purchases.
NEW! Earn 2X points on local transit and commuting, including rideshare.
NEW! Earn 2X points on internet, cable, phone services, and select streaming.
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
The information related to Southwest Rapid Rewards® Priority Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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.
14X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort in the Hilton portfolio
7X Hilton Honors points per dollar for:
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 on other eligible 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.
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
Annual $250 Hilton resort statement credit: Get up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio
Annual $250 airline fee statement credit: For incidental fees only
$100 Hilton on-property credit: Good for every eligible stay of two nights or more at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts, valid for incidental fees only
American Express Concierge: Call for help with select services, like buying event tickets, making dining and other reservations, and finding hard-to-find items.
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $450
Enrollment required for select benefits; terms and limitations apply.
Hilton Honors American Express Aspire Card (Rates & Fees)
6X Marriott Bonvoy Bonus pointsperdollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
3X Marriott Bonvoy points per dollar:
U.S. restaurants
Flights booked directly with airlines
2X Marriott Bonvoy pointsperdollar on other eligible purchases
Introductory Bonus
75,000 Bonus points for spending $3,000 in the first 3 months; up to $200 in statement credits for eligible purchases at U.S. Restaurants within the first 6 months
Perks: $300 annual Marriott Bonvoy hotel credit; Marriott Bonvoy Gold Elite status; Free Night Award; Priority Pass Select membership; Global Entry/TSA PreCheck application fee credit; 15 Elite Night Credits annually; Bonus points for airline transfers
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $450
Enrollment required for select benefits; terms and limitations apply.
Marriott Bonvoy Brilliant™ American Express® Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
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; apply by 9/30/21 to get 2 Tier-Qualifying Night Credits for eligible stays from 8/16/21–12/31/21
Key Features
Perks: Discoverist status; Annual free night stay after your anniversary; Visa Signature Concierge
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 on Flights and Prepaid Hotels booked through Amex Travel
2X Membership Rewards points per dollar for other eligible purchases through Amex Travel
1.5X Membership Rewards points per dollar (up to $2 million spent per year) for eligible purchases of $5,000 or more, and eligible U.S. purchases from:
Construction material and hardware suppliers
Electronic goods retailers and software/cloud system providers
Shipping providers
1X Membership Rewards point per dollar on other eligible purchases
Introductory Bonus
120,000 bonus points for spending $15,000 within the first 3 months
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
$400 Dell statement credit: Enroll to get up to $400 in annual statement credits for U.S. purchases with Dell: $200 from January through June, and $200 from July through December.
$360 in annual statement credits for Indeed: Up to $90 in statement credits per quarter for all Indeed hiring and recruiting products and services
Up to $150 in annual statement credits for Adobe: Annual credits for select Adobe products, including Adobe Creative Cloud and Acrobat Pro DC
Up to $120 in annual statement credits for wireless services: Up to $10 per month, good for purchases of monthly wireless services made directly from U.S. wireless telephone providers
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
No foreign transaction fee
Annual fee: $595 ($695 if application is received on or after 1/13/2022)
Enrollment required for select benefits; terms and limitations apply.
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 billing cycle (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 Amex Travel
1X Membership Rewards point per dollar for other eligible purchases
Introductory Bonus
70,000 bonus points for spending $10,000 on eligible purchases within the first 3 months of Card Membership
Perks: 25% points back when booking eligible airfare through Amex Travel; The Hotel Collection; Point transfer; Amex Offers
Shopping and travel protections: Baggage Insurance Plan, Trip Delay Insurance, Car Rental Loss and Damage Insurance, Global Assist Hotline, Extended Warranty, Purchase Protection
No foreign transaction fee
Annual fee: $295
Enrollment required for select benefits; terms and limitations apply.
American Express® Business Gold Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
Up to 2X points per dollar on Software Subscriptions
Up to 1.5X points per dollar on all other purchases
Perks: Budget and expense management tools; Tools to manage employee spending; Unlimited virtual cards; Thousands of dollars in special offers and discounts
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 Premier® Card (Review), with solid rates on travel and point-transfer opportunities to Citi’s transfer partners.
Spending Rewards
3X ThankYou points per dollar on:
Air travel
Hotels
Gas stations
Supermarkets
Restaurants
1X ThankYou point per dollar on all other purchases
Introductory Bonus
80,000 ThankYou points for spending $4,000 in first 3 months (worth $800 in gift cards when redeemed at thankyou.com)
$100 annual hotel credit: Valid when you book a hotel stay of $500 or more through thankyou.com, once per calendar year
Citi Concierge: Call 1-800-508-8930 to request assistance for non-emergency tasks like restaurant reservations, travel arrangements, finding lost luggage, and more.
Citi Private Pass: The Citi Private Pass service provides presale and preferred access tickets to select events and experiences in big cities.
Complimentary ShopRunner membership: Cardholders can register with ShopRunner at no cost, to get free two-day shipping and returns at select online retailers.
Foreign Transaction Fees of the Largest Credit Card Issuers
Below you’ll find the foreign transaction fees for some of the largest issuers. Most of them also offer cards that don’t carry foreign transaction fees, but it’s no more than 3% of the transaction when they do have them.
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:
