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Credit cards with no foreign transaction fees

We compared more than 300 credit cards to find the best cards to save on overseas transactions.

Compare cards with no foreign transaction fees

Want to size up your options side-by-side? Use the table to see your options, or click "Choose filters" to browse only cards that fit your credit score range and other features you're looking for in a no-foreign transactions-fee credit card.

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)
15.74% to 24.74% variable
Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, earn up to $50 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of membership
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
Luxury Card Mastercard® Black Card™
None
$495
14.99% variable
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Chase Sapphire Preferred® Card
None
$95
15.99% to 22.99% variable

Up to $1,250 signup bonus

Earn a massive signup bonus of 100,000 points with this popular travel card. That's worth up to $1,250!
Citi Premier® Card
None
$95
15.99% to 23.99% variable
Earn 80,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
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The best no foreign transaction fee credit cards of 2021

If you’re specifically looking for a shortlist of the best no foreign transaction fee credit cards, Finder’s experts have compared more than 300 cards to find those that stand above the rest.

How to compare no foreign transaction fee credit cards

Since no foreign transaction fee credit cards don’t handily fit into a category like cash back or rewards, you should approach comparisons between them on a case-by-case basis. For example, there are intro APR cards with no foreign transaction fees just as there are travel cards with no foreign transaction fees. You’ll want to take a look at a few of these broader card features based on the type of card you want.

  • Annual fee. Does the card carry an annual fee to use each year?
  • Rewards. Do you mind if the card doesn’t offer cash back or rewards?
  • APR. If you plan on carrying a balance, the card’s APR is important for keeping interest low.
  • Card acceptance. Visa and Mastercard are the most widely accepted credit cards abroad, while American Express doesn’t have quite the same coverage.

Foreign transaction fees by credit card issuer

Below you’ll find a list of the lowest, highest and average foreign transaction fees you’ll find across the major credit card providers.

Card issuerForeign transaction feeNumber of cards with no foreign transaction feesFlagship example
American Express2.7%23American Express Gold Card
Bank of America3%16Bank of America Premium Rewards Credit Card
Barclaycard3%20AAdvantage Aviator Red World Elite Mastercard
Capital One0%15Capital One Savor Cash Rewards Credit Card
Chase3%9Chase Sapphire Preferred
Citi3%10Costco Anywhere Visa by Citi
Discover0%8Discover it Cash Back
HSBC0%6HSBC Gold Mastercard Credit Card
TD Bank3%5TD First Class Visa Signature Credit Card
USAA0%7USAA Preferred Cash Rewards Visa Signature Card
US Bank3%, or 2% in USD6U.S. Bank Altitude Go Visa Signature Card
Wells Fargo3%5Hotels.com Rewards Visa Credit Card

When is a foreign transaction fee applied?

Credit card providers may apply a foreign transaction fee for any of the following transactions:

  • Overseas transactions
  • Transactions made online in a foreign currency
  • Transactions made with a retailer outside of the US

Credit card companies can charge foreign transaction fees even when the purchase is made in USD, though some companies charge less than purchases made with other currencies.

How much will a foreign transaction fee cost me?

Most credit cards that feature a foreign transaction fee will charge 3% extra on any credit card transaction you make outside of the US. Depending on the length of your stay, this fee can add up quickly. Here’s what that additional 3% looks like in some common travel spending categories outside of the US for 12 nights.

Spending categoryAmount spentAdditional cost in foreign transaction fees
Dining$650$19.50
Transportation$1,800$54
Lodging$750$22.50
Total$3,200$96

How to tell if a credit card is a no foreign transaction fee card

If a credit card doesn’t charge a foreign transaction fee, you can be sure that the credit card issuer markets this benefit prominently in its credit card offers. You can also check the credit card terms and conditions to find out whether a card issuer charges a foreign transaction fee. If you have trouble locating the foreign transaction fee for a credit card, call the credit card issuer to find out whether the card charges a foreign transaction fee or not.

Other ways to avoid foreign transaction fees

Here are some other options that allow you to avoid or minimize foreign transaction fees:

  • Prepaid travel money cards. Consider travel money cards, which offer the convenience of credit cards without the costs of international transaction fees or ATM withdrawal fees.
  • Foreign cash. Cash is universal – many countries accept US dollars, and using cash eliminates bank transaction and ATM fees, though you may still have to pay a fee for the currency exchange. You could also use a money transfer service to send money to your destination and pick it up when you arrive. However, a credit card is still often a better choice for larger purchases like hotels and car rentals. Carrying cash is riskier in cities because of the chance of being pickpocketed. If your cash is stolen, you can’t recoup your funds. On the other hand, your credit card issuer likely has a zero fraud liability policy that will eliminate your responsibility for charges made on a stolen credit card.
  • Traveler’s checks. These can help you avoid international transaction fees, but they are slowly being phased out because of other fees and limited acceptance.
  • Foreign partners of your bank. Check with your bank if it’s in an ATM alliance with financial partners abroad. If so, you may be able to use a foreign bank’s ATMs with waived fees.

Tips for using your credit card abroad

  • Bring more than one card. If you rely on just one credit card when traveling abroad, you’ll be in a tight spot if you misplace or lose your credit card. Bring two or three credit cards with you to give yourself some backup options in the event you need them.
  • Don’t choose to convert the currency on a purchase. Some merchants abroad will give you the option of converting your transaction into US dollars prior to purchase. You should politely decline this offer — your credit card will do this conversion for you and will usually do so at a better conversion rate, saving you money.
  • Tell your provider you’re traveling. If you don’t let your provider know you’re traveling, they might flag your credit card for suspicious activity and lock your account. Let them know ahead of time to ensure you can smoothly use your credit card once you touch down.
  • Activate mobile monitoring. If your card features them, turn on any mobile monitoring or security features prior to your trip. This lets you easily lock your card if you happen to lose it without having to call your provider.
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    4 Responses

      Default Gravatar
      MarinaOctober 12, 2018

      I believe that there are no international fees on a ’28 Degree Mastercard’.

        Avatarfinder Customer Care
        nikkiangcoOctober 12, 2018Staff

        Hi Marina,

        Yes, you are correct! There are no foreign transaction fees when you use Latitude 28° Global Platinum Mastercard to make a purchase when you travel or shop online.

        There is also no overseas ATM Withdrawal Fee, however, there is an overseas cash advance fee which is 3% of the cash advance or $4 (whichever is greater).

        Hope this was helpful. Don’t hesitate to message us back if you have more questions.

        Regards,
        Nikki

      Default Gravatar
      MebbieNovember 17, 2017

      Looking for credit card with no foreign transaction fees, cash back rewards, and no annual fee. I have excellent credit rating.

        Avatarfinder Customer Care
        ArnoldNovember 18, 2017Staff

        Hi Mebbie,

        Thanks for your inquiry.

        The page above already shows you options for credit cards with no foreign transaction fees. You may go ahead and compare them to check which one suits your needs. However, you can also check no annual fee credit cards with rewards.

        Please make sure you check if you meet the eligibility requirements to avoid applying for the wrong credit card.

        Hope this information helps

        Cheers,
        Arnold

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