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Compare American Express credit cards with no foreign transaction fee

Save money when spending abroad and earn rewards on your purchases.

Our pick for an Amex card with no foreign fees: American Express® Gold Card

American Express® Gold Card logo

60,000-point

Welcome offer after spending $4,000 in first 6 months

  • Choose from two designs: Gold or Rose Gold
  • 4x points on restaurants, including delivery
  • 4x points at US supermarkets (on up to $25,000 annually, then 1x)
Apply now
Terms apply, see rates & fees

Compare American Express credit cards with no foreign transaction fee

Most American Express travel cards, including hotel and airline cobranded cards have no foreign transaction fees. Compare these cards to find the right card for your travel needs.

Name Product Foreign transaction fee Annual fee Purchase APR Filter values
Delta SkyMiles® Gold American Express Card
None
$0 intro annual fee for the first year ($99 thereafter)
0% intro for the first 12 months (then 15.74% to 24.74% variable)

High Miles Offer

Earn 70,000 miles after spending $2,000 in the first 3 months and get a $200 statement credit after making a Delta purchase in the first 3 months. Offer expires 7/28/2021.
American Express® Gold Card
None
$250
See Pay Over Time APR

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
The Platinum Card® from American Express
None
$695
See Pay Over Time APR

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
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Despite their reputation for not being widely accepted overseas, you can use American Express cards abroad. What’s more, you can use your cards abroad and not pay a fee on your transactions. However, not all Amex cards come with no foreign transaction fees.

How much are American Express foreign transaction fees?

Some American Express cards charge a 2.7% foreign transaction fee. This is lower than the 3% fee most other cards charge. To put this into perspective, a 2.7% foreign transaction fee means you’ll pay a $27 fee for every $1,000 spent abroad or online with foreign merchants.

How to compare American Express credit cards with no foreign transaction fees

If your final determining factor is that your American Express card comes without foreign transaction fees, then you can choose any of the cards listed above. Delta credit cards and Hilton credit cards are good options for not foreign transaction fees. If you’re looking for additional value, take other features and perks into consideration, including the following:

  • Annual fee
    Almost every American Express credit card without foreign transaction fees has an annual fee ranging from $95 — which is waived for the first year on some cards — up to $550 annually. However, there is an Amex card with no foreign transaction fees and no annual fee: the Hilton Honors American Express Card (Terms apply, see rates & fees).
  • Intro APR period
    It’s rare to find a 0% intro APR period in any of these cards. However, Delta SkyMiles® Platinum American Express Card (Terms apply, see rates & fees) and Delta SkyMiles® Gold American Express Card (Terms apply, see rates & fees) are currently offering intro APRs on purchases when you apply before 7/28/2021. Typically, if you’re looking to consolidate your debt or carry a large purchase interest-free for a long period, look for 0% intro APR cards.
  • Welcome offer
    Each of these cards come with a generous welcome offer. When comparing the ratio between the welcome offer and the annual fee, you’ll find that the highest value comes with the Hilton Honors American Express Surpass® Card. This card has a $95 annual fee (Terms apply, see rates & fees) and the size of their welcome offers are either the same as or come close to the more expensive versions of them.
  • Rewards
    All of the American Express credit cards with no foreign transaction fees let you earn miles or points that you can redeem for certain rewards. The Hilton Honors™ Aspire Card has one of the highest point-earning values on your Hilton purchases, flights booked directly with airlines or the American Express travel site, car rentals booked directly from select car rental companies and at US restaurants.
  • Dining
    If you frequently travel and spend money on dining, the American Express® Gold Card could be a valuable addition to your wallet. With this card, you earn accelerated points at restaurants, US supermarkets and flights booked directly with airlines or through the American Express travel site. In addition, you can early monthly credits on dining.
  • Flights
    If you don’t fly with any single airline, the The Platinum Card® from American Express or the Hilton Honors™ Aspire Card could be worth considering. Both Amex travel cards let you earn accelerated points on all flights booked directly with airlines or through the American Express travel site. But if you prefer to fly Delta, consider one of the three Delta co-branded cards without foreign transaction fees. With a Delta card, you get Delta-specific perks like priority boarding, first checked bag free and an annual companion flight certificate for the more expensive cards.
  • Complimentary lounge access
    With the Delta SkyMiles® Reserve American Express Card, you get complimentary access to all Delta Sky Club lounges. While with The Platinum Card® from American Express, you get complimentary access to Centurion Lounges, Priority Pass Select after enrollment, The International American Express lounges and even Delta Sky Club when flying Delta.
  • Hotels
    Amex offers The Platinum Card® from American Express which earns accelerated points on prepaid hotels booked through the American Express travel site. However, if you’re loyal to a certain brand of hotels, consider a Hilton credit card, which has additional hotel perks and features. Compare Amex’s hotel cards to see whether a cobranded or general card is the right pick for you.
  • Additional perks
    For a variety of perks, The Platinum Card® from American Express is undoubtedly worth considering. The card’s rewards range from Uber credits and airline fee credit and enrollment, to complimentary lounge access and hotel perks.

Is it cheaper to use a credit card or a debit card abroad?

If you’re planning to make cash withdrawals, a debit card is usually cheaper. If you’re planning to use your card for payments, the card that doesn’t have foreign transaction fees is cheaper.

Bottom line

When choosing an American Express credit card without foreign transaction fee, consider how much you’re willing to pay for the card and which additional perks you want. But know that these cards are poor choices for a 0% intro APR period.

Not sure if any of these cards will work for you? Check out other travel credit cards and cards with no foreign transaction fees to compare your options.

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