Chase credit cards with no foreign transaction fee

Which Chase cards have no foreign transaction fees?

Here’s the full list of Chase cards with no foreign transaction fees as of August 18, 2020:

What is the standard Chase foreign transaction fee?

Chase cards that feature foreign transaction fees usually charge 3% per transaction on purchases made abroad.

Notable Chase cards that have foreign transaction fees

There are a few big ticket Chase cards that do have foreign transaction fees. Here are a few of the most well known.

The Sapphire Preferred and Sapphire Reserve are both excellent travel cards, able to earn in far more categories than your average flat rate and category travel card respectively. But more importantly, both cards play a crucial role in the valuable Chase trifecta earning strategy since both cards technically earn Chase Ultimate Rewards points.

How to choose Chase credit cards with no foreign transaction fee

Any of the cards listed above can save you on transactions abroad. but that’s just one way you’ll be using the card. To choose the right card for you, consider these additional factors:

• Annual fee. You’ll find two Chase credit cards without no foreign transaction fees and no annual fee: the Amazon Rewards Visa Signature Card and the United Gateway℠ Card. All other cards come with an annual fee of $89 to $450.
• Signup bonus. Every card in this group offers a generous signup bonus. But if you’re looking for the highest value in points, consider either the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®. Redeeming your points for travel purchases through Chase Ultimate Rewards can earn you up to a 50% higher rewards value depending on your card.
• Rewards. All Chase credit cards with no foreign transaction fees let you earn either airline miles, hotel points or points redeemable for a variety of travel options.
• Flights. You can redeem points or miles for flight tickets with each of these cards. However, you get the highest value when using a cobranded airline card and redeeming miles on tickets with that card’s airline or a partner.
• Complimentary lounge access. With the Chase Sapphire Reserve®, you get unlimited Priority Pass Select lounge access worldwide. The United Club℠ Infinite Card gets you unlimited access to the United Club, while the United℠ Explorer Card extends two United Club passes each year.
• Hotels. If the majority of your travel spending is at hotels, either a general travel card from the Sapphire collection or one of the three hotel cards can likely suit you best.
• Amazon perks. The Amazon Rewards Visa Signature Card or the upgraded version for Amazon Prime members is ideal if you spend a lot at Amazon.com.
• Other perks. The Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® offer general travel perks. If you’re looking for airline or hotel-specific perks, consider a cobranded Chase card.

How much can I save with a no-foreign-transaction-fee card?

Suppose you travel abroad twice a year and you spend around $6,000 for hotel stays, dining and entertainment. Here’s what you’d spend in fees on two different Chase cards: one with foreign transaction fees and one without.

• Chase Freedom Flex℠: $6,000 x 3% = $180 in fees
• Chase Sapphire Preferred® Card: $6,000 x N/A = $0 in fees

In this case, the annual fee of the Sapphire Preferred is still cheaper than what you would pay with the Freedom Flex.

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

For cash withdrawals, a debit card typically is cheaper. But if you’re using your card to make payments abroad, a card without foreign transaction fees might save you more money.

Should I choose a Chase card if I’m looking for a no-foreign-transaction fee card?

Yes. Like it’s major competitor American Express, Chase offers a wide variety of card types that feature no foreign transaction fees.

Pros

• Variety of cards available. You’ll find general travel cards as well as cobranded hotel and airline cards that feature no-foreign-transaction fees.
• Strong perks and features. Chase’s travel cards in particular offer numerous valuable travel perks that can save you money during your trips.
• Strong rewards program. If you choose the Sapphire Reserve or Sapphire Preferred, you’ll have access to the powerful Chase Ultimate Rewards program.

Cons

• Cards can get pricey. Some of the stronger travel options with Chase can cost a several hundred dollars in annual fees.
• No strong non-travel options. Like Amex, the Chase lineup of no-foreign-transaction fee cards are lacking when it comes to cards that offer everyday rewards.

Bottom line

You’ll find more than a dozen Chase credit cards with no foreign transaction fees. Most of these cards are excellent options, so pick one based on your travel and financial needs.

If these Chase cards don’t grab your attention though, look into other travel credit cards and cards with no foreign transaction fees and compare your options for a well-rounded look at which will make the best travel companion.
American Express credit cards with no foreign transaction fee