Out of all 28 cards in the Chase credit card lineup, 17 of those cards are free from foreign transaction fees. That means you’ll pay 0% extra on purchases made abroad with these cards – a valuable feature for frequent travelers. Here’s a full list of which Chase cards are foreign transaction fee free.
Here’s the full list of Chase cards with no foreign transaction fees as of August 18, 2020:
- Chase Sapphire Preferred® Card
- Chase Sapphire Reserve®
- Southwest Rapid Rewards® Priority Credit Card
- Southwest Rapid Rewards® Premier Credit Card
- United Club℠ Infinite Card
- United℠ Explorer Card
- British Airways Visa Signature® Card
- Aer Lingus Visa Signature® Credit Card
- Iberia Visa Signature® card
- Marriott Bonvoy Boundless™ Credit Card
- Marriott Bonvoy Bold™ credit card
- The World of Hyatt Credit Card
- IHG® Rewards Club Premier Credit Card
- Amazon Prime Rewards Visa Signature Card
- Ink Business Preferred® Credit Card
- United℠ Business Card
- Southwest Rapid Rewards® Performance Business Credit Card
There are a few big ticket Chase cards that do have foreign transaction fees. Perhaps the most notable are the Chase Freedom Flex℠ and the Chase Freedom Unlimited®. These cards are not only terrific rewards cards, but play a crucial role in the valuable Chase trifecta.
If you have these cards, or another card that feature foreign transaction fees, stay mindful when spending abroad. The 3% fee you’ll pay when using these cards can add up quickly, especially if you use the card on everyday purchases like groceries and gas. If you’re a frequent traveler or know you’ll be traveling abroad for a significant amount of time in the future, you’ll want to invest in one of Chase’s no foreign transaction fee credit cards.
Most Chase cards are Visa cards, which are widely accepted worldwide. Compare other perks and benefits to make the right choice for your needs.
Any of the cards listed above can save you on transactions abroad. But that’s just a small portion of why you’ll be using the card. You’ll want to ask yourself a few additional questions about the card to help narrow down your choice:
- What’s the 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℠ TravelBank Card. All other cards come with an annual fee of $89 to $450.
- How’s the 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.
- What are the 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. With these cards, you earn accelerated points on purchases at Amazon and Whole Foods Market, among other categories, redeemable for cash back or travel.
- 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.
Suppose you travel abroad twice a year and you spend around $6,000 for hotel stays, dining and entertainment. If your card charges a 3% foreign transaction fee, that’s $180 on top. In this case, consider a card that costs at least $95 and save money on fees while enjoying additional perks.
Another overlooked fact is that foreign transaction fees also apply to purchases made online with foreign retailers. So if you spend around $2,000 each year on online shops located in Canada, Mexico, Great Britain or China, you’ll pay $60 in foreign transaction fees.
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.
You’ll find more than a dozen Chase credit cards with no foreign transaction fees. Choose from among airline, hotel or general travel cards, depending on your lifestyle and spending habits. Most of these cards come with an annual fee, but none offer a 0% intro APR period.
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