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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 hit "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 card.

1 - 5 of 105
Name Product Foreign transaction fee Annual fee Purchase APR Filter values
My GM Rewards Card™
My GM Rewards Card™
None
$0
0% intro for the first 12 months (then 17.24% to 27.24% variable)
Get 15,000 bonus points after you spend $1,000 in your first 3 months*.
Capital One Venture Rewards Credit Card
None
$95
17.49% to 25.49% variable
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months ​from account opening.
Capital One VentureOne Rewards Credit Card
None
$0
0% intro for the first 15 months (then 16.49% - 26.49% variable)
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Capital One Quicksilver Cash Rewards for Good Credit
Capital One Quicksilver Cash Rewards for Good Credit
None
$0
26.99% variable
Earn the same 1.5% cash back on every purchase and $0 annual fee as the Capital One Quicksilver Cash Rewards Credit Card, apply with good credit.
Capital One SavorOne Cash Rewards for Good Credit
Capital One SavorOne Cash Rewards for Good Credit
None
$0
26.99% variable
Made for people with good credit to enjoy the same $0 annual fee and rewards as the Capital One SavorOne Cash Rewards Credit Card.
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What are the best credit cards with no foreign transaction fee?

The best credit cards without foreign transaction fees offer the highest rewards or travel perks. We looked and compared dozens of no-foreign-transaction-fee credit cards and chose the top cards based on the rewards rate they offer, the value of the signup bonus, the intro APR period plus other perks they may offer.

Best for Southwest travelers

Southwest Rapid Rewards® Priority Credit Card

Finder rating 4.1 / 5 ★★★★★

See offer
on Creditcards.com's secure site
Terms apply, see rates & fees
Read review
If you're a Southwest Airlines devotee, the Priority lives up to its name as your cobranded card of choice. Of the three Southwest card offerings, the Priority offers the best value for the cost, as the annual travel credits and points outweigh the annual fee in terms of value. And since all three Southwest cards have the same earning rate, there's little reason to pick the entry- or middle-level card if you're a regular Southwest traveler.

Best for signup bonus

Chase Sapphire Preferred® Card

Finder rating 4.6 / 5 ★★★★★

See offer
on Bankrate's secure site
Read review
The Chase Sapphire Preferred® Card is among the best travel cards when it comes to rewards for the cost, with one of Chase's best signup bonus on offer as well. But what really elevates this card is the ability to transfer your points earned to a variety of hotel and airline partners. This feature is more than worth the card's annual fee should you use it, as a transferred Chase Ultimate Rewards point can double or even triple in value with the right travel partner.

Best for Hyatt travelers

The World of Hyatt Credit Card

Finder rating 3.8 / 5 ★★★★★

See offer
on Creditcards.com's secure site
Terms apply, see rates & fees
Read review
The World of Hyatt Credit Card is one of Finder's favorite hotel cards for earning hotel points not only on Hyatt stays, but other everyday spending categories as well. That's because this card comes with perks and features worth far more than the card's $95 annual fee would suggest, including Elite Discoverist status and a free anniversary night each year.

Best for flat-rate miles

Capital One Venture Rewards Credit Card

Finder rating 4.4 / 5 ★★★★★

Apply now
on Capital One's secure site
Read review
The Capital One Venture Rewards Credit Card is a great example of a card that combines simplicity and additional value. For the card's annual fee, you'll enjoy the ability to transfer your miles to select airline transfer partners, as well as take advantage of Visa Signature benefits such as Visa concierge and complimentary auto rental insurance. And the card's earning rate of 2x miles on all purchases is higher than what you'd find on other flat-rate cards, making it a great choice if you've not fully committed to a particular airline or rewards program.

Best card for everyday purchases

Amazon Rewards Visa Signature Card

Read Review
Terms apply, see rates & fees
The Amazon Rewards Visa Signature Card is an excellent rewards card if Amazon and Whole Foods are your go-to for shopping, plus it doesn't charge foreign transaction fees. In fact, you can even get travel insurance with the card, making it a surprisingly robust card for everyday spending no matter where you are — provided you have access to Amazon.

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

If you’re looking to save even more, these cards don’t charge an annual or a foreign transaction fee.

Best card for 5% back on purchases

Discover it® Cash Back

Finder rating 4.8 / 5 ★★★★★

The Discover it® Cash Back is a solid 5% cashback credit card and possesses Discover's unique signup bonus: Discover will match all cash back you earn during your first year from account opening. This is also one of the few 5% cashback cards to lack a foreign transaction fee, though you'll want to check the card's categories are eligible abroad for the full 5%.

Best for no annual fee

Bank of America® Travel Rewards Credit Card

Finder rating 3.2 / 5 ★★★★★

For the spend requirement, the Bank of America® Travel Rewards Credit Card offers a significant signup bonus, a solid rewards rate and a favorable 0% intro APR on purchases for 15 months. And if you're an active Bank of America Preferred Rewards client, you can earn between 25% and 75% more points on your purchases, greatly boosting the overall value of the card.

Methodology. Though many types of credit cards may offer no foreign transaction fees, we looked primarily judged cards designed around travel when determining our list. This is because if you’re specifically looking for a card with no foreign transaction fees, you’re likely traveling enough that you would most stand to benefit from a travel card.

We further looked at loyalty programs, signup bonuses, reward rates and lack of fees to divvy up our selection into cards that best suit a particular niche. Those with the most perks or greatest value in a given area were highlighted for our list.

How to choose the best no-foreign-transaction-fee credit card

The lack of a foreign transaction fee itself is a great perk, but it’s not the only thing to focus on when choosing a credit card. Here are some steps to take to help you choose.

  • Look at the annual fee. If you want to avoid foreign transaction fees, you might also want to minimize your credit card cost by avoiding the annual fee. Some cards without foreign transaction fees charge an annual fee for strong rewards or perks. Make sure any benefits are worth the additional fee.
  • Review your credit score. While you don’t necessarily need excellent credit to qualify for these cards, a good credit score will open up your options when it comes to intro offers, bonus categories and other perks.
  • Think about whether you need to carry a balance. The annual percentage rate (APR) influences how much interest you pay whenever you don’t pay your balance in full during the grace period. It’s best to pay your balance in full to avoid interest and debt. But if you carry a balance, a lower annual percentage rate will minimize the amount of interest you pay on balances you carry.
  • Look for an APR offer. Some cards without foreign transaction fees offer a 0% introductory APR on balance transfers, on purchases or on both.
  • Do you want rewards? Cards with no foreign transaction fees may pay rewards that you can use toward future travel purchases. Look for a credit card that pays the most rewards in the categories where you typically spend the most money. You have a choice between a cash rewards credit card or a card that earns points. You should also consider cards that participate in lucrative loyalty programs, like Chase Ultimate Rewards or Amex Membership Rewards.
  • Go for the biggest signup bonus. Many rewards credit cards offer a signup bonus, a lump sum of rewards that you can earn by spending a specific amount of money within the first few months of having the credit card. Compare signup bonuses based on the amount of the bonus you can earn and the amount you have to spend to earn the bonus. Keep in mind that your spending habits and credit limit will influence your ability to meet the spending requirement.
  • Is the card accepted abroad? Don’t take for granted that your card will be accepted while you’re traveling to other countries. Visa and Mastercard are widely accepted worldwide. However, Discover and American Express are not as widely accepted in other countries. Consider where you’re likely to travel and research to learn whether the credit card network is widely accepted in that country.
  • Other credit card perks. Many no foreign transaction fee credit cards include other travel perks. These travel benefits can make the credit card even more worth using. Benefits like travel insurance, waived baggage fees and airport lounge access are things to consider when choosing a no foreign transaction fee credit card. Read the fine print of these perks to be sure they continue to apply when you travel internationally.

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® Card
Citi0%10Costco Anywhere Visa® Card 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 USD6USAA® Preferred Cash Rewards Visa Signature® Card
Wells Fargo3%5Hotels.com® Rewards Visa® Credit Card

How do foreign transaction fees work?

A foreign transaction fee is an additional charge cardholders pay when making a credit card purchase outside of the United States. Let’s say you’re paying $1,000 for overseas accommodation and use a card that charges a 3% foreign transaction fee. The additional cost would be $30 in U.S. dollars. Similarly, if you were shopping online and spent $100 with a retailer overseas, you could expect to pay $3 extra.

Even though this percentage can seem like a small amount, with large expenses like travel-related costs, these extra fees can add up to a substantial amount over time.

When is a foreign transaction fee applied?

Credit card and debit 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

Chris Panteli, owner and founder at Life Upswing, tells Finder: “When I split with my fiancée the year before the pandemic, I treated myself to a trip to Dubai — and that place gets expensive fast. In fact, just a single beer was costing in excess of $20 at most places. So, as you can imagine, I was running through my currency pretty quickly.

I thought it would be a good idea to try and spread the cost of some of my purchases onto the credit card, thus enabling me to retain more of the local currency for the duration of the trip.

Alas, I had not done my research properly on the transaction fee costs, and ended the trip racking up over $150 in fees.

I definitely wish these fees could be avoided somehow, but to be honest, I blame myself. As a self-proclaimed personal finance expert, it is quite embarrassing to have let such an obvious thing pass me by. I knew I would incur some sort of charge, but should have really done my due diligence on the actual costs involved.”

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. Another option is using 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.
  • Your bank’s foreign partners. 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.
Back to top

You asked, we listened: Top 3 questions about no-foreign-transaction-fee credit cards

  1. What do I need to know about traveling with a credit card?
    Before you travel internationally, give your credit card issuer a call to let them know that you’re going to be making purchases in other countries. This way, your credit card issuer won’t flag your international purchases as fraud.
  2. Can the credit card issuer later add a foreign transaction fee?
    Yes, your issuer is allowed to change your credit card terms at any time. Fortunately, providers aren’t allowed to change the terms without letting you know first, and they’re required to notify you within 45 days of the effective change date.
  3. Can I get more than one no-foreign-transaction-fee credit card?
    Yes. Carrying multiple cards may increase your spending ability or help you take advantage of different rewards programs. As long as you meet the credit requirements, you can have as many cards as you can be approved for. Take care with multiple credit cards to avoid taking on more debt than you can handle.

Bottom line

Credit cards with no foreign transaction fees serve as excellent cards for frequent travelers. And most of these cards offer solid rewards for cardholders, which makes them useful even for everyday purchases.

If none of these cards fit your financial needs, compare more no-foreign-transaction-fee credit cards to find the right fit.

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    4 Responses

    1. Default Gravatar
      MarinaOctober 12, 2018

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

      • Default Gravatar
        nikkiangcoOctober 12, 2018

        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

    2. 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.

      • Default Gravatar
        ArnoldNovember 18, 2017

        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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