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

Save money on transactions made abroad and get additional perks.

Last updated:

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

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.

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

Name Product Foreign transaction fee Annual fee Purchase APR Filter values
Hilton Honors American Express Card
None
$0
15.74% to 24.74% variable
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
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 14.49%, 19.49% or 24.49% 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.
loading

Compare up to 4 providers

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
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.

Best card for everyday use: Amazon Rewards Visa Signature Card

Amazon Rewards Visa Signature Card
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.

Best credit card for travel within the US: Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card
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.

Best for signup bonus: Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card
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.

How we picked our best cards

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.

What’s changed in 2020

The PenFed Pathfinder Rewards American Express® Card is no longer available. Because of that, the best card for travel within the US falls upon the Wells Fargo Propel American Express® Card.

How to compare no annual fee and no foreign transaction fee credit cards

To find 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.

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.

Frequently asked questions

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site