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U.S. Bank credit cards with no foreign transaction fee

Choose from U.S. Bank-branded cards, SKYPASS and Kroger products.

Updated

U.S. Bank offers a lower-than-average fee when you make foreign purchases in US dollars. Still, it’s a good idea to get a card with no foreign transaction fees at all if you plan to travel abroad.

What is a typical U.S. Bank foreign transaction fee?

U.S. Bank’s foreign transaction fee structure is slightly different from other providers:

  • You’ll pay a 2% fee for a foreign transaction in US dollars.
  • You’ll pay a 3% fee for a foreign transaction in a foreign currency.

Most providers charge a 3% fee per foreign transaction, regardless of currency.

Beware of paying for foreign transactions with US dollars

Though there’s a smaller fee for paying in US dollars, you might not actually save much, if at all.

When you buy something from a foreign merchant, the clerk may ask you if you want to pay in the local country’s currency or US dollars. If you choose the latter, the merchant will convert your bill through dynamic currency conversion.

This can add a significant markup on the exchange rate, and you could end up paying more than if you’d just eaten the 3% fee.

Of course, you can avoid all this using a card with no foreign transaction fees.

U.S. Bank credit cards with no foreign transaction fee

Name Product Foreign transaction fee Annual fee Purchase APR Filter values
U.S. Bank Altitude Reserve Visa Infinite® Card
None
$400
16.24% variable
Earn 40,000 points after spending $3,000 in the first 90 days from account opening.
U.S. Bank FlexPerks® Gold American Express® Card
None
$85
14.49% to 24.49% variable
Earn 30,000 points after spending $2,000 in the first 4 months.
SKYPASS Visa Business Card
SKYPASS Visa Business Card
None
$95
12.99% to 19.99% variable
Earn 30,000 miles after you spend $3,000 on purchases in the first 90 days from account opening.
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Compare up to 4 providers

Look into Kroger cards for more options

U.S. Bank offers several Kroger cobranded cards, all of which have no foreign transaction fees.

  • Dillons 1-2-3 REWARDS® World Mastercard®
  • Fred Meyer Rewards® World Mastercard®
  • Fry’s 1-2-3 REWARDS® World Mastercard®
  • Harris Teeter REWARDS World Mastercard®
  • King Soopers 1-2-3 REWARDS® World Mastercard®
  • Kroger 1-2-3 REWARDS® World Mastercard®
  • QFC 1-2-3 REWARDS® World Mastercard®
  • Ralphs Rewards World Mastercard®
  • Smith’s 1-2-3 REWARDS® World Mastercard®

Many of the cards offer 2x points at stores in the Kroger network, as well as 3x points on Kroger-branded products.

How to compare U.S. Bank cards with no foreign transaction fees

You’ll find many products with no foreign transaction fees in the U.S. Bank’s roster. Consider these factors to narrow your choices.

  • Pick a general type of card.
    If you’re a frequent customer of Korean Air or Kroger, you might like one of U.S. Bank’s cobranded cards.

    Otherwise, consider a U.S. Bank-branded card with flexible and powerful rewards. According to U.S. Bank, points are worth 1.5 cents each when redeemed for travel purchases such as airfare, hotel stays and car rentals.

  • Consider the annual fee you’re willing to pay.
    With the exception of Kroger products, U.S. Bank’s no-foreign-transaction fee cards tend to have annual fees.
  • You may need to go without an intro APR.
    U.S. Bank offers just one card that currently offers no foreign transaction fees and an intro APR: the Fred Meyer Rewards® World Mastercard®.
  • Compare welcome offers from other providers.
    The U.S. Bank Altitude Reserve Visa Infinite® Card has a very competitive welcome offer, comparable to signup bonuses of other premium travel cards.

    The U.S. Bank FlexPerks® Gold American Express® Card welcome offer is close to what you’ll find with comparable mid-tier cards. Meanwhile, the U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card welcome offer is good for the card’s price.

    You’ll find welcome offers with the SKYPASS cards. However you can find better signup bonuses with cards from other airlines.

Bottom line

U.S. Bank offers a few of its own branded cards, and a deep roster of cobranded cards, with no foreign transaction fees. You can narrow the field by selecting a general type of card and then comparing factors such as rewards and annual fees.

If you’re unsure if a U.S. Bank card is right for you, consider no-foreign-transaction-fee credit cards from other providers.

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