The Amex SPG foreign transaction fee is $0. The SPG Credit Card (None 1st yr, $95 after annual fee), SPG Luxury Credit Card ($450 annual fee) and SPG Business Credit Card ($95 annual fee) all have $0 foreign transaction fees. That did not change after Marriott rebranded all the SPG credit cards. Since there’s no Amex SPG foreign transaction fee, the points you earn on international purchases will not be negated by extra expenses. However, you may be charged a fee when you use an Amex SPG card at an ATM outside of the U.S.
Not having a foreign fee to worry about is good news for cardholders who travel, but only for those who have one of these credit cards already. All the SPG credit cards are closed to new applications as of February 2019. If you got an SPG card before the cutoff date, you get to keep your card for now. But eventually Marriott will send you a corresponding version from the Marriott Bonvoy credit card lineup. Amex SPG is now the Marriott Bonvoy Amex Card; the SPG Luxury Credit Card is now the Marriott Bonvoy Brilliant Credit Card; and the SPG Business Credit Card is now the Marriott Bonvoy Business Credit Card.
Several American Express credit cards other than the three SPG credit cards also charge $0 foreign transaction fees. And American Express cards that do have foreign transaction fees charge up to 2.7%. But it’s worth pointing out that American Express cards are not as widely accepted internationally as Mastercard and Visa cards.
There are several American Express credit cards that have no foreign transaction fees, including The Platinum Card® from American Express, 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.… read full answer
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 Credit Card also has a nice initial bonus, offering 80,000 Hilton Honors Bonus Points after spending $1,000 in 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.
*All information about the Hilton Honors American Express Surpass® Card has been collected independently by WalletHub. The Hilton Honors American Express Surpass® Card is no longer available to new applicants through WalletHub, but may be available on the American Express website.
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.
Some of the best American Express cards with 0% foreign fees include:
If you’re looking for an international credit card, it’s best to get one with no foreign transaction fees, 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.
Citi Premier, for instance, has a 0% foreign fee and offers 80,000 points for spending $4,000 in the first 3 months. The card also offers 3 points per $1 spent at restaurants, supermarkets and gas stations, 3 points per $1 on air travel and hotels, and 1 point per $1 on all other purchases. However, just because these cards have no foreign transaction fees doesn’t mean they’re free. Most charge annual fees – Citi Premier comes with a $95 annual fee.
Best Citi Credit Card with No Foreign Fee and No Annual Fee
If you want a Citi credit card with 0% foreign transaction fees and $0 annual fee, consider the Costco Credit Card. It’s on the Visa network, so its worldwide acceptance also makes it a worthy travel companion. The card also offers 4% cash back on eligible gas (up to $7,000 spent per year), 3% back on restaurants and travel, 2% back on Costco and Costco.com purchases, and 1% back on all other purchases.
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