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USAA credit cards with no foreign transaction fee

Choose between Visa and American Express cards.

USAA doesn't have the most powerful cards, but it offers solid rewards for everyday spending and cards with no foreign transaction fees. Use our table to compare USAA cards with no foreign transaction fees. You can select up to four cards, then hit "Compare" to see how their features stack up side by side.
Name Product Foreign transaction fee Annual fee Purchase APR Filter values
USAA® Rate Advantage Visa Platinum® Card
6.9% to 23.9% variable
Enjoy USAA's lowest rate card. Pay no annual fee, no penalty APR and no foreign transaction fee.
USAA® Preferred Cash Rewards Visa Signature® Card
11.9% to 25.9% variable
Earn 1.5% cash back on every purchase with no limits or category restrictions. Pay no annual fee, no penalty APR and no foreign transaction fees.
USAA® Rewards™ American Express® Card
9.9% to 25.9% variable
Earn 3x points on dining, 2x points on gas and groceries and 1x points for all other purchases.

Compare up to 4 providers

What is a typical USAA foreign transaction fee?

USAA’s cards are geared toward military servicemembers and their families who may need to relocate abroad. To make its cards more appealing, it waives foreign transaction fees for purchases made overseas.

Other providers typically charge a 3% foreign transaction fee on every purchase made abroad with most nontravel cards.

How to compare USAA credit cards with no foreign transaction fee

All USAA cards have no annual fees or penalty APRs. Here are a few ways to compare USAA products:

  • Consider which card offers you the most rewards. Rewards are probably the easiest way to differentiate USAA cards. Dining, gas and groceries are common bonus categories. If you spend evenly throughout many categories, you might like a flat-rate cashback card. Check out the USAA® Preferred Cash Rewards Visa Signature® Card, which offers 1.5% cash back on all purchases.
  • Signup bonus or none? USAA isn’t known for its signup bonuses. Right now, its top bonus is 2,500 points after your first purchase. By comparison, you could earn tens of thousands of points with other providers. Some USAA products don’t offer signup bonuses at all, such as the USAA® Cashback Rewards Plus American Express® Card and USAA® Preferred Cash Rewards Visa Signature® Card.
  • Intro APR. If you really want an intro APR on purchases and balance transfers, you’re limited to USAA’s military affiliate cards, which come in Visa and American Express versions.
  • Look for a low interest rate. USAA bills one of its cards as its low-APR product: USAA® Rate Advantage Visa Platinum® Card. You could receive a purchase, balance transfer and cash advance APR as low as 6.9% variable — though it could also be as high as 23.9% variable, depending on your credit. Other cards have potentially low APRs too — 12% to 14% variable. You’ll have a better shot at a low interest rate if you have excellent credit.

Bottom line

None of USAA’s cards have foreign transaction fees or annual fees. And many of its products offer some combination of bonus rewards in gas, dining or groceries.

If USAA isn’t right for you, you’ll find many no foreign transaction fee credit cards with other providers.

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