No Foreign Transaction Fee Credit Cards

Finding a card with no foreign transaction fees used to be a challenge. But now there're lots of options. The cards listed below all process foreign currency transactions with no additional fee. These cards can save you money when you travel abroad, or even if you shop online in another country. Some even come with additional travel benefits. Checkout this listing of offers from our partners and pick the one that's right for you.

See offers from our partners below.

 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • See additional Capital One® VentureOne® Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    0% intro on purchases for 12 months
    Balance Transfers Intro APR
    N/A
    Regular APR
    12.99% - 22.99% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at Bank of America's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want — you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • See additional Bank of America® Travel Rewards Credit Card details
 APPLY NOW

at Bank of America's
secure site

or call Bank of America at
877-915-7732


Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% Introductory APR on purchases for 12 billing cycles
    Balance Transfers Intro APR
    N/A
    Regular APR
    15.99% - 23.99% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
  • Get a metal Venture Card when you apply today
  • See additional Capital One® Venture® Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    13.99% - 23.99% (Variable)
    Annual Fee
    $0 intro for first year; $95 after that
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent/Good
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
  • See additional Chase Sapphire Preferred® Card details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    16.99% - 23.99% Variable
    Annual Fee
    Introductory Annual Fee of $0 the first year, then $95
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 15.49%-24.49% variable APR after that
  • 0% intro APR on balance transfers for 9 months; 15.49%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 9 months
  • No annual fee
  • No foreign transaction fees
  • See additional Capital One® Savor℠ Cash Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    0% intro on purchases for 9 months
    Balance Transfers Intro APR
    0% intro on balance transfers for 9 months
    Regular APR
    15.49% - 24.49% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent, Good
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • See additional Capital One® Quicksilver® Cash Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    0% intro on purchases for 9 months
    Balance Transfers Intro APR
    0% intro on balance transfers for 9 months
    Regular APR
    13.99% - 23.99% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent Credit
  • $150 in TravelBank cash after you spend $1,000 on purchases in the first 3 months your account is open
  • Earn 2% in TravelBank cash per $1 spent on airline tickets purchased from United
  • Earn 1.5% in TravelBank cash per $1 spent on all other purchases
  • No foreign transaction fees
  • Enjoy 25% back as a statement credit on purchases of food and beverages onboard United-operated flights, when you pay with your United TravelBank Card.
  • TravelBank cash is easy to use. $1 in TravelBank cash = $1 when used toward the purchase of a United ticket.
  • Your TravelBank cash accumulates in your United TravelBank account on United.com. There's no limit to how much TravelBank cash you can earn.
  • $0 Annual fee
  • See additional United℠ TravelBank Card details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    16.99% - 23.99% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at American Express's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 a calendar year for baggage fees at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • See additional Premier Rewards Gold Card from American Express details
 APPLY NOW

at American Express's
secure site

or call American Express at
877-915-6387


Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    N/A
    Annual Fee
    Introductory annual fee of $0 for the first year, then $195.
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at American Express's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Planning a road trip? Rent your car, fill up your tank, book your hotel, and pay for it with your American Express® Card.
  • Terms Apply.
  • See additional Starwood Preferred Guest® Credit Card from American Express details
 APPLY NOW

at American Express's
secure site

or call American Express at
877-915-7068


Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    16.24%-20.24% Variable
    Annual Fee
    $0 introductory annual fee for the first year, then $95.
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Excellent/Good
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive Free Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • See additional Discover it® Cashback Match™ details
 APPLY NOW

at Discover's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 14 months
    Balance Transfers Intro APR
    0% for 14 months
    Regular APR
    11.99% - 23.99% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
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Comparing Credit Card Offers With No Foreign Transaction Fee

Updated: November 11, 2017

Our Top International Credit Cards with No Foreign Transaction Fee: November 2017

  • Capital One® VentureOne® Rewards Credit Card
  • Bank of America® Travel Rewards Credit Card
  • Capital One® Venture® Rewards Credit Card
  • Chase Sapphire Preferred® Card
  • Capital One® SavorSM Cash Rewards Credit Card
  • Capital One® Quicksilver® Cash Rewards Credit Card
  • UnitedSM TravelBank Card
  • Premier Rewards Gold Card from American Express
  • Starwood Preferred Guest® Credit Card from American Express
  • Discover it® Cashback Match™

Like baggage and passports, foreign transaction fees used to be a standard part of international travel. With few exceptions, credit card issuers and networks would charge fees – usually 3 percent – for every transaction made abroad.

For a vacationer in Paris, that meant an extra 3 cents were tacked on to every dollar charged to the card. Mon dieu!

But beginning around 2010, more banks began courting well-heeled travelers with credit cards that didn’t carry the fee.

That trend continues today, and with only a little effort you can avoid paying foreign transaction fees. We’ve put them together, so none of the cards listed above carry foreign transaction fees.

However, you still have a lot of options, so how do you choose?

Travel rewards

As an international travel, you have a lot of opportunities to optimize your travel spending, so travel rewards cards are a great place to start looking.

You have a few options here. General purpose rewards cards from your major banks have the advantage of flexibility; they can be redeemed across all airlines and hotels. That’s great if you like to shop around to find the best deals for your travel.

Those who show consistent loyalty toward a given brand will find that their rewards cards can be very lucrative.

If you fall somewhere in between the two, a bank-issued card will work best if it has transfer partners. These partner programs allow you to transfer points or miles into brand-specific program at varying conversion ratios. This can make your points go further if you tend to gravitate toward a certain airline or hotel.

Whichever path you choose, you’ll need to know your total credit spend and where you spend it. You’ll need the total to figure out where you can hit the minimum spend for sign-up bonuses. The spending breakdown will determine which overall rewards program will maximize the return on your spending.

Once you’ve found the strongest rewards programs, consider which cards offer some fringe travel perks. These can include (but aren’t limited to) TSA pre-check, lounge access and free checked bags.

Finally, it never hurts to look for the lower interest rates among your potential offers. This will come in handy if you know you will carry a balance on the card.

A different kind of foreign fee

There’s also a similar sounding fee that travel experts say you’re better off avoiding – the dynamic currency conversion fee. Many foreign shops will offer to convert your bill to the local currency. That may sound polite, but it is rarely a wise financial move.

If you choose to see your bill in native currency, vendors are charged a dynamic currency conversion fee, which gets passed on to the consumer, usually at a marked-up rate. Rates vary, but you could pay something as high as 5 percent. On a $100 purchase, that’s $5.

Other benefits

One other consideration is that the United States is well underway in making the switch to EMV chip cards. This security standard was adopted in most of the rest of the world already, but in a different form. With few exceptions, Americans are being issued chip-and-signature cards, which use the signature as the second form of validation. More common around Europe and elsewhere are chip-and-PIN cards, which require a PIN number to complete a transaction.

Most shops around the world can accept the U.S. signature-based cards, but they may not work at unstaffed kiosks. A few U.S. cards, while they default to a signature-based transaction, are capable of handling PIN transactions as well, so ask for that option of it is important to you.

Recap - Featured No Foreign Transaction Fee Credit Cards

Card Rewards Rate Welcome Bonus Bonus Requirement
Capital One® VentureOne® Rewards Credit Card Unlimited 1.25 miles per dollar on every purchase, every day 20,000 Miles Spend $1,000 on purchases within 3 months from account opening
Bank of America® Travel Rewards Credit Card Unlimited 1.5 points per $1 spent on all purchases 20,000 Online Bonus Points Make at least $1,000 in purchases in the first 90 days
Capital One® Venture® Rewards Credit Card Unlimited 2X miles per dollar on every purchase, every day 50,000 Miles Spend $3,000 on purchases within 3 months from account opening
Chase Sapphire Preferred® Card 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases 50,000 Bonus Points Spend $4,000 on purchases in the first 3 months from account opening
Capital One® SavorSM Cash Rewards Credit Card Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases $150 Cash Bonus Spend $500 on purchases within the first 3 months from account opening
Capital One® Quicksilver® Cash Rewards Credit Card Earn unlimited 1.5% cash back on every purchase, every day $150 Cash Bonus Spend $500 on purchases within 3 months from account opening
UnitedSM TravelBank Card Earn 2% in TravelBank cash per $1 spent on airline tickets purchased from United

Earn 1.5% in TravelBank cash per $1 spent on all other purchases
$150 in TravelBank Cash Spend $1,000 on purchases in the first 3 months your account is open
Premier Rewards Gold Card from American Express 3x points for flights booked directly with airlines and 2x points at US restaurants, gas stations, and supermarkets 25,000 Membership Rewards® Points Spend $2,000 within 3 months of account opening
Starwood Preferred Guest® Credit Card from American Express Earn 2 Starpoints® for each dollar spent on eligible purchases at participating SPG® and Marriott Rewards® hotels 25,000 Starpoints® Spend $3,000 within the first 3 months
Discover it® Cashback Match™ Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases Discover will match all the cash back earned at the end of your first year, automatically Automatic

Want more information?
Once you narrow your choice down to a few products, you can find product-specific reviews for travel cards, hotel cards and airline cards. Use these reviews to help make your final application decisions!