No Foreign Transaction Fee Credit Cards

Traveling is expensive enough. Save money with a credit card that has no foreign transaction fee. Whether your sampling local cuisine or shopping online abroad, these cards give you one less thing to worry about. And for even more travel perks, check out our list of travel cards from our partners.

See offers from our partners below.

Marriott Rewards® Premier Credit Card

Marriott Rewards® Premier Credit Card

1,245 customer reviews

Apply Now Credit Needed
Excellent Credit
  • Earn 75,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
  • $0 introductory annual fee for the first year, then $85.
  • Enjoy 1 Free Night Stay at a Category 1-5 hotel every year after your account anniversary date!
  • Earn unlimited Marriott Rewards points and get Free Night Stays faster
  • Earn 5 points per $1 spent at participating Marriott Rewards & SPG hotels
  • 2 points per $1 spent on airline tickets purchased directly with the airlines, at car rental agencies & restaurants. Plus 1 point per $1 spent everywhere else
  • The fastest way to earn Marriott Rewards Elite Status. Receive 15 Elite Credits guaranteeing Silver Elite Status or better.
Apply Now at Chase's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 24.24% Variable
Annual Fee
$0 Intro for First Year, then $85
Credit Needed
Excellent Credit

The Hyatt Credit Card

Apply Now Credit Needed
Excellent Credit
  • Earn 40,000 Bonus Points after you spend $2,000 on purchases with the Hyatt Credit Card in the first 3 months after account opening.
  • Get 5,000 Bonus Points after you add an authorized user to your account and make a purchase with your card during the first 3 months as a cardmember.
  • Plus, receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
  • Get Bonus Points on every purchase. Free nights start at just 5,000 points.
  • 3 Bonus Points for every $1 spent at Hyatt hotels and resorts.
  • 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines and at car rental agencies, Plus 1 Bonus Point per $1 spent on purchases elsewhere.
  • Keep all the points you earn - your points do not expire as long as your Hyatt Credit Card account is open.
  • As a Hyatt Cardmember, you'll enjoy Discoverist status in World of Hyatt for as long as your Hyatt Credit Card account is open.
Apply Now at Chase's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 24.24% Variable
Annual Fee
$75
Credit Needed
Excellent Credit

American Veterans USAA Rewards™ Visa Signature® Card

Apply Now Credit Needed
Excellent, Good, Fair
  • With this card, you can help American Veterans assist veterans and their families. USAA Bank will make a contribution to American Veterans when you open an account, make eligible purchases and keep an active account.
  • Get 2,500 Bonus Points after your first purchase.
  • Start earning 1 point for every $1 spent for all your every day purchases.
  • Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
  • Redeem your rewards points anytime on usaa.com or from your mobile phone - with no redemption fee.
  • Enjoy no cap or expiration date on points.
  • Enjoy no foreign transaction fees when you travel outside of the United States
  • Rates and Fees
Apply Now at USAA's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 12 months
Regular APR
12.15% to 27.15% Variable
Annual Fee
$0
Credit Needed
Excellent, Good, Fair

Wounded Warrior Project USAA Rewards™ Visa Signature® Card

Apply Now Credit Needed
Excellent, Good, Fair
  • With this card, you can show your support for WWP and its mission to honor and empower wounded warriors. USAA Bank will contribute to WWP when you open an account, make eligible purchases and keep an active account.
  • Get 2,500 Bonus Points after your first purchase.
  • Start earning 1 point for every $1 spent for all your every day purchases.
  • Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
  • Redeem your rewards points anytime on usaa.com or from your mobile phone - with no redemption fee.
  • Enjoy no cap or expiration date on points.
  • Enjoy no foreign transaction fees when you travel outside of the United States
  • Rates and Fees
Apply Now at USAA's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 12 months
Regular APR
12.15% to 27.15% Variable
Annual Fee
$0
Credit Needed
Excellent, Good, Fair

Capital One® Secured Mastercard®

Apply Now Credit Needed
Limited, Bad
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
24.99% (Variable)
Annual Fee
$0
Credit Needed
Limited, Bad

PenFed Platinum Rewards Visa Signature® Card

Apply Now Credit Needed
Excellent Credit
  • 0% APR promo balance transfer rate for 12 months now through March 31, 2018. After that, the APR for the unpaid balance and any new balance transfers will be 9.74% to 17.99%.
  • APR will vary w/the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
  • Rate and offers current as of January 1, 2018 and subject to change.
  • Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards.
  • Earn 3 points on supermarket purchases. Earn 1 point on all other purchases
  • No annual fee, No foreign transaction fees and No cash advance fee
  • Chip enabled for added security and federally insured by NCUA
  • Rates as low As 9.74% APR
Apply Now at Pentagon FCU's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 12 months
Regular APR
See Terms
Annual Fee
See Terms
Credit Needed
Excellent Credit

Alaska Airlines Visa Signature® Credit Card

Apply Now Credit Needed
Excellent/Good
  • Special Introductory Offer: Buy 1 ticket, get 1 for just the taxes and fees with Alaska's Famous Companion Fare™ Offer.
  • Get 30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days of your account opening.
  • Enjoy another Alaska's Famous Companion Fare™ every year! That's right, annually for $99 (plus taxes and fees from $22) on your account anniversary valid on Alaska and Virgin America flights booked on alaskaair.com
  • Save with a free checked bag on Alaska and Virgin America flights for you and up to six other passengers on the same reservation.
  • Earn 3 miles for every $1 spent directly on Alaska Airlines and Virgin America purchases and 1 mile for every $1 spent on all other purchases. No foreign transaction fees.
  • There are two types of cards: the Visa Signature® card and the Platinum Plus® card. The card you receive will be determined by several factors including your income and credit history.
  • The benefits and bonus miles above apply to Visa Signature cards only. The Annual Fees, benefits and bonus miles for Platinum Plus® cards are different.
  • For more information on the differences, see the Features section accompanying the application.
Apply Now at Bank of America's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.24% - 24.24% Variable APR on purchases and balance transfers
Annual Fee
$75
Credit Needed
Excellent/Good

Comparing Credit Card Offers with No Foreign Transaction Fee

Updated: February 1, 2018

CreditCards.com's Best International Credit Cards with No Foreign Transaction Fee of 2018

  • Capital One® VentureOne® Rewards Credit Card
  • Chase Sapphire Preferred® Card
  • Capital One® Venture® Rewards Credit Card
  • HSBC Cash Rewards Mastercard® credit card
  • Capital One® Quicksilver® Cash Rewards Credit Card
  • Discover it® Cashback Match™
  • Capital One® Savor℠ Cash Rewards Credit Card
  • Bank of America® Travel Rewards Credit Card
  • The Platinum Card from American Express
  • The Business Gold Rewards Card from American Express OPEN

Many credit cards charge a foreign transaction fee, but there are some that don’t. If you are a frequent traveler or shop online with overseas vendors, it might be worth your while to find a card without a foreign transaction fee. But there are some things to know, which we explain here:

  • What is a foreign transaction fee?
  • What counts as a foreign transaction?
  • Tips for spending internationally
  • How to choose the right credit card with no foreign transaction fee

We not only explain what you need to know about foreign transaction fees, but also overseas travel and picking the right card. Take a look here:

What is a foreign transaction fee?

Foreign transaction fees are charges many credit card issuers placed on purchases made in a foreign currency or on purchases that involve a foreign bank. Most foreign transaction fees are 2%-3% of the purchase. There are actually 2 fees: One from the payment network and one from the card issuer. Networks Visa and Mastercard typically charge a 1 percent fee for each foreign transaction. Then, issuers might charge an additional 1%-2%. American Express, which doesn’t use Visa or Mastercard’s payment system, often has a foreign transaction fee of 2.7% on its cards.

What counts as a foreign transaction?

A foreign transaction can be a purchase processed through a foreign bank or when you travel overseas, including when you use ATM machines. (Note that there can actually be multiple fees at a foreign ATM machine, including a flat-rate international ATM surcharge and an ATM access fee.) The foreign transaction fee is a charge that is processed by a foreign bank or is in a foreign currency. Heads up that even if the charge is in U.S. dollars, if it passes through a foreign bank, there can be a foreign transaction fee.

Tips for spending internationally

  • Diversify. “My biggest tip for spending overseas is to diversify; always carry both cash and credit,” says Lyn Alden, world traveler and founder of Lyn Alden Investment Strategy. “Credit cards are safer, more convenient and give better rewards, so I use them as my primary spending method. But when you're outside of your country, it's critical to have backups, and to have alternate ways to spend.” Some travel experts recommend that you carry 2 cards with different issuers and different networks.
  • Know your card terms. If you can't readily find information about foreign transaction fees, pick up the phone and call the number on the back of your card. It should also be displayed with your “rates and fees” clause. Note that terms of cards from the same issuer can vary. If you travel frequently, it may make sense to apply for a credit card that does not charge foreign transaction fees.
  • Research your overseas bank network. Check if your bank is part of a global ATM network that you can use to access cash overseas for free – or at least at a lower cost.
  • Always pay in the local currency. Sometimes, foreign merchants will offer to convert your purchase to U.S. dollars before you pay with your card. Decline so that you avoid dynamic currency conversion costs that you’ll have to shoulder. “So many places try to say ‘convenience,’ but the rate is not favorable to the traveler,” says travel blogger Suzanne Wolko of PhilaTravelGirl.com.
  • About those traveler's checks. “Don’t bother; they are too much of a hassle,” says Wolko.
  • Call your bank. Make sure they are aware that you may use your ATM card in the country you will be traveling to, says Wolko.
  • Use only credit abroad. Some travel experts actually advise that you not use a debit card in a foreign country. That’s because you are protected when there is an unauthorized charge on your credit card, and you might be protected if a product isn’t delivered as promised. A debit card, with your PIN, can mean free money for the bad guys, if your bank doesn’t have protections in place for you. Check with your financial institution.
  • Try local apps. Wolko advises that you use apps tied to your credit card to avoid dealing with cash or credit cards, such as Uber, Lyft or MyTaxi.

How to choose the right credit card with no foreign transaction fee

  1. Does the card fit your lifestyle? OneSavvyDollar.com founder Ogechi Igbokwe says he knew that once he graduated from grad school, he planned to travel overseas, so a card with no foreign transaction fee made sense.
  2. Does it come with an annual fee? Says Igbokwe: “Golden rule when making a purchase: The cost of getting a thing must never outweigh the benefit.” So, make sure you will recoup on the annual fee or that the card has an advantage that makes the fee worthwhile.
  3. Is it widely accepted? “A no foreign transaction fee card is only good if it is accepted everywhere you go,” says Natasha Rachel Smith of TopCashback.com. For example, she says, while 2 of the major card networks are less common outside of the U.S., Visa and Mastercard are more popular overseas.
  4. Any rewards? Because there is such a wide range of cards offering no foreign transaction fee, you’ll want to look at rewards that are offered. However, “prior to applying for any card, check the terms and conditions to make sure the card allows you to receive rewards on international purchases,” says Smith.
  5. What other features are there? Krista Canfield McNish, of travel website and blog FoodWaterShoes.com, has a card that covers up to $1,500 in trip cancellation/trip interruption insurance per trip for non-refundable expenses due to personal or family injury, illness, or death if you booked your trip with your card, which she says is a handy bonus. “I also love that the card doesn’t require me to call [the issuer] or to log in online to notify them of upcoming travel before I take off,” McNish says.
  6. Chip and PIN or chip and signature? Most U.S.-based cards are chip and signature (for now), while in other parts of the world, such as Europe, they use chip and PIN. Both are designed for increased safety. (If your card is exclusively magnetic stripe, [the old common system] that could be an issue for overseas travel – best to apply for a card that carries the chip technology, called EMV.) For the most part, chip and signature will work fine overseas, provided there is a cashier, but if this is an issue for you, check with your bank to see if your card uses a PIN.
  7. Have you done your research? “Keep in mind that not every country is U.S. credit card-friendly (for example, European cards are more likely to work in countries like Cuba than U.S. credit cards), so it's a good idea to do your homework before you take off,” says McNish.

Recap - Our Best No Foreign Transaction Fee Credit Cards: February 2018

CardRewards RateWelcome BonusBonus Requirement
Capital One® VentureOne® Rewards Credit CardUnlimited 1.25 miles per dollar on every purchase, every day20,000 MilesSpend $1,000 on purchases within 3 months from account opening
Chase Sapphire Preferred® Card2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases50,000 Bonus PointsSpend $4,000 on purchases in the first 3 months from account opening
Capital One® Venture® Rewards Credit CardUnlimited 2X miles per dollar on every purchase, every day50,000 MilesSpend $3,000 on purchases within 3 months from account opening
HSBC Cash Rewards Mastercard® credit card1.5% cash rewards on all purchases$150 cash rewardsSpend $500 in the first 3 months
Capital One® Quicksilver® Cash Rewards Credit CardEarn unlimited 1.5% cash back on every purchase, every day$150 Cash BonusSpend $500 on purchases within 3 months from account opening
Discover it® Cashback Match™Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.Discover will match all the cash back earned at the end of your first year, automaticallyAutomatic
Capital One® SavorSM Cash Rewards Credit CardEarn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases$150 Cash BonusSpend $500 on purchases within the first 3 months from account opening
Bank of America® Travel Rewards Credit CardUnlimited 1.5 points per $1 spent on all purchases20,000 Online Bonus PointsMake at least $1,000 in purchases in the first 90 days
The Platinum Card from American Express5x points on travel booked through the Amex Travel website60,000 Membership Rewards® points$5,000 in spend over the first 3 months
The Business Gold Rewards Card from American Express OPEN3x points on 1 of 5 categories, 2x points on other 4 categories, and 1x points everywhere else50,000 Membership Rewards® PointsSpend $5,000 in the first 3 months

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!

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