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Best credit cards with no annual fee and no foreign transaction fee

Save money on transactions made abroad and get additional perks.

Updated

Fact checked
Having a card with no annual fee and no transaction fee can be useful if you occasionally travel abroad. In addition to avoiding foreign transaction fees, you can even earn rewards or get an intro APR period with some cards. We’ve listed our favorite no-foreign-transaction-fee credit cards, categorized by the best additional perk offered.

We compared all credit cards with no annual fee and no foreign transaction fee. And then we chose the top cards based on the rewards rate they offer, the value of the signup bonus, the intro APR period and other perks they may offer.

Best credit cards with no annual fee and no foreign transaction fee

Best credit card for Uber Eats and Uber regulars

Uber Visa Card

Uber Visa Card logo
Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 5%
Cash back
$100
Welcome offer
The newly refreshed Uber Visa Card lets you earn Uber Cash back on all Uber purchases, as well as purchases at restaurants, hotels, airfare and vacation home rentals. This card also comes with a signup bonus and cell phone theft and damage protection.
  • Uber Cash. Earn 5% back on all Uber purchases, including UberEATS and JUMP scooter and bike rentals. Earn 3% back on restaurant, airline, hotel, bar and vacation rental purchases. Earn 1% back on everything else you buy.
  • Signup bonus. Spend $500 in your first 90 days of card membership and earn $100.
  • Cellphone protection. Enjoy up to $600 in protection for loss due to theft or damage.
Annual Fee $0
Purchase APR 15.74%, 21.74% or 26.49% variable
Balance transfer APR 15.74%, 21.74% or 26.49% variable
Welcome offer $100 Uber Cash after spending $500 in the first 90 days
Rewards 5% back in Uber Cash on Uber, Uber Eats and JUMP
3% back on dining, hotels and airfare
1% back on all other purchases

Best card for everyday use

Amazon Rewards Visa Signature Card

Amazon Rewards Visa Signature Card logo
Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 3%
Cash back
$50
Welcome offer
The Amazon Rewards Visa Signature Card can be an excellent choice if you’re looking for an everyday use card with no annual fee and no foreign transaction fees.
  • Cash back. 3% back on Amazon and Whole Food Markets purchases. Purchases at restaurants, gas stations and drugstores earn 2% cash back. Everything else you buy earns 1% cash back.
  • Amazon gift card. Get a $50 gift card in your Amazon.com account as soon as your credit card application is approved.
  • Travel insurance. Get travel accident insurance, baggage delay insurance and lost baggage reimbursement.
Annual Fee $0
Purchase APR 14.24% to 22.24% variable
Balance transfer APR 14.24% to 22.24% variable
Welcome offer $50 Amazon.com gift card upon approval
Rewards 3% back at Amazon.com, 2% back at gas stations, restaurants and drugstores and 1% back on all other purchases
The information about Amazon Rewards Visa Signature Card has been collected independently by Finder and has not been reviewed or provided by the issuer.

Best credit card for travel within the US

Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 3x
Points
20,000
Points welcome offer
The Wells Fargo Propel American Express® Card is a solid credit card that comes with 3x points on a number of categories including travel, dining, gas and streaming services. You also get to earn a decent welcome offer and you get a long intro APR period on balance transfers and purchases.
  • Reward points. Earn 3x points on eating out or ordering in, on fuel, rideshares and transit, on flights, hotels, homestays and car rentals, and popular streaming services. All other purchases earn 1x points.
  • Welcome offer. Earn 20,000 bonus points once you spend $1,000 in your first 3 months of account opening.
  • Intro APR period. Get 12 months of 0% intro APR period on balance transfers and purchases. But after the intro period expires, a variable APR of 14.49% to 24.99% applies.
Annual Fee $0
Purchase APR 0% intro for the first 12 months (then 14.49% to 24.99% variable)
Balance transfer APR 0% intro for the first 12 months (then 14.49% to 24.99% variable)
Welcome offer 20,000 points after spending $1,000 in the first 3 months
Rewards 3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases

Best for signup bonus

Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card logo
Finder Rating: 3.2 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
1.5x
Points
25,000
Points welcome offer
Consider the Bank of America® Travel Rewards credit card if you’re looking to get the highest signup bonus with a smaller spend requirement. And if you’re an active Bank of America checking or savings account client, you earn 10% more points.
  • Reward points. Earn unlimited 1.5x points on everything you buy. Bank of America preferred rewards clients can earn up to 75% more bonus points.
  • Signup bonus. Spend $1,000 in your first three months of card membership and earn 25,000 online bonus points. Redeem these points for $250 statement credit toward travel purchases.
  • Intro APR period. Get of intro APR on purchases and balance transfers from the day you open your account. After that, your APR reverts to variable 14.99% to 22.99%.
Annual Fee $0
Purchase APR 0% intro for the first 12 statement closing dates (then 14.99% to 22.99% variable)
Balance transfer APR 14.99% to 22.99% variable
Welcome offer 25,000 points after spending $1,000 in the first 90 days
Rewards 1.5x points on all purchases

How to choose the best no-annual-fee and no-foreign-transaction fee credit cards

To choose the best card for your needs, ask yourself:

  • Do you want an intro APR period?
    If you want to save money on interest payments on purchases, the Bank of America® Travel Rewards credit card could be worth considering. But if you want to make balance transfers, then the PenFed Pathfinder Rewards American Express® Card could be your best choice.
  • Do you want a high signup bonus?
    Both the Bank of America® Travel Rewards credit card and the PenFed Pathfinder Rewards American Express® Card offer the same signup bonus, except the Bank of America’s card is easier to earn.
  • Do you want to earn cash back?
    The Uber Visa Card and the Amazon Rewards Visa Signature Card let you earn cash back on your purchases. If you often dine out, the Uber Visa Card could be a better choice. If you spend more money on Amazon and Whole Foods Markets — the Amazon card might be the way to go.

Do I really need a credit card with no annual fee and no foreign transaction fees?

You may need a credit card with no annual fee and no foreign transaction fees if you occasionally travel abroad or buy things online with foreign merchants. That’s because you can keep your card active without paying a fee for it and use it only when you need to. And if the card comes with a rewards program or other benefits you could use on a daily basis, then getting the type of card is a no-brainer.

Compare credit cards with no annual fee and no foreign transaction fee

Name Product Foreign transaction fee Annual fee Purchase APR Filter values
Petal® Visa® Credit Card
None
$0
12.99% to 29.49% variable
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score.
Costco Anywhere Visa® Card by Citi
None
$0
15.24% variable
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
CardMatch™ from creditcards.com
See terms
See issuer's website
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
TD Cash Credit Card
None
$0
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
United℠ Explorer Card
None
$0 intro annual fee for the first year ($95 thereafter)
16.49% to 23.49% variable
60,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening.
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Bottom line

Credit cards with no annual fee and no foreign transaction fees serve as excellent backup cards that you could use only when you travel. However, most of these cards offer solid rewards, which makes them useful even for everyday purchases.

If none of these cards fit your financial needs, look for other rewards credit cards and compare your options.

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