There are several American Express credit cards that have no foreign transaction fees, including the American Express Platinum card, the American Express® Gold Card, and cards with rewards for Hilton, Marriott and Delta. The Amex cards without international fees have annual fees ranging from $0 to $500+. They also offer valuable travel benefits, such as free checked bags and luxury airport lounge access.
The best American Express credit card with 0% foreign transaction fee is the Hilton Honors American Express Card because it’s one of the two general-consumer offer with a $0 annual fee. The Hilton Honors Credit Card also has a nice signup bonus, giving 100,000 points once you spend $1,000 within the first 3 months. The ongoing rewards are pretty good, too; cardholders earn 3 - 7 points per $1, depending on the type of purchase.
American Express Cards with No Foreign Transaction Fees:
While American Express no-foreign transaction fee credit cards make it cheaper to travel with your Amex card, they’re not accepted everywhere. You should be able to find businesses that accept American Express in places like Canada and Mexico. However, it’ll be harder in smaller countries, especially those that don’t typically do business with the U.S.
If you’re unfamiliar with foreign transaction fees, they’re a surcharge for using a credit card with a foreign merchant. Credit cards with foreign fees usually charge 1%-3% of the purchase price. That can really add up, especially since Amex’s 2.7% foreign fee is on the higher end of the spectrum.… read full answer
Here are the American Express foreign transaction fees:
American Express cards with foreign transaction fees charge 2.7%.
Many American Express credit cards have no foreign transaction fees.
Amex foreign transaction fees apply when you buy things abroad OR shop at foreign merchants online.
If you’re looking for an international credit card, it’s best to get one with no foreign transaction fee, and American Express does have a good selection. But American Express cards aren’t accepted by nearly as many foreign merchants as Visa and Mastercard. So you may find yourself somewhere your Amex won’t work. And that’s why it’s probably better to have a Visa or Mastercard for travel.
American Express is accepted in more than 160 countries and territories internationally. That includes all the members of the United Nations, except for those under U.S. sanctions. Amex cards are more widely accepted in some international destinations than others, though. It should be pretty easy to find merchants that take American Express cards in Australia, Canada, Mexico and India, for example. But it will be much tougher in smaller countries that aren’t known for doing business with the U.S. or attracting American tourists. … read full answer
Overall, American Express credit cards and prepaid cards aren’t nearly as widely accepted internationally as cards that belong to the three other major U.S. card networks: Visa, Mastercard and Discover. Discover is accepted in 185 countries and territories. Visa is accepted in 200+ countries and territories. And Mastercard works in 210+. So you should probably bring a Visa or Mastercard credit card with no foreign transaction fee when you travel abroad, at least as a backup to your Amex.
On that note, it’s worth mentioning that some American Express credit cards will cost you more to use internationally than others. Several American Express credit cards have no foreign transaction fee. Others charge 2.7% of every international purchase.
The best American Express credit cards for international travel are the Starwood Preferred Guest and Gold Delta SkyMiles® cards. Both offer great travel rewards, including nice initial spending bonuses. Neither charges foreign transaction fees. And Amex waives their annual fees the first year your account is open.
You may also want to consider the USAA Rewards American Express Card, which is the best credit card on the Amex network for other types of international perks. It gives you very good travel insurance coverage, for example. And you can even get financial assistance for emergencies while you’re out of the country. You don’t have to worry about paying a foreign fee or an annual fee, either.
Annual Fee: $0 for Amex Blue Cash Everyday; $0 intro 1st yr, $95 after for Blue Cash Preferred
Rewards Rate: 1 - 3% cash back for Amex Blue Cash Everyday; 1 - 6% cash back for Blue Cash Preferred
APR: 13.99% - 23.99% (V)
Keep in mind American Express may not be the best choice to take abroad due to lower international acceptance than Visa or Mastercard. While Visa and Mastercard are accepted in 200+ countries, Amex lags behind at 160+ countries. There are lots of credit cards with no foreign transaction fee on those other networks, too.
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