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4 Best No Foreign Transaction Fee Credit Cards [May 2022]
WalletHub makes it easy to find the best credit card with no foreign transaction fees.
Credit cards with no foreign transaction fees save cardholders an average of 3% on purchases processed abroad. The best credit cards with no foreign fees also offer valuable rewards, providing even more savings, and using a no foreign transaction fee credit card is the best way to convert currency while traveling abroad.… show more… show more
Best No Foreign Transaction Fee Credit Cards of May 2022
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Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- One-time $200 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
- 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
- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
- 0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that
- $0 annual fee and no foreign transaction fees
- See More Details & Reviews About TheCapital One Quicksilver Cash Rewards Credit Card
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- 20,000 miles initial bonus
- Miles equivalent of 1.25% cash back on purchases
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- 3% balance transfer fee
- Potential for a very high regular APR
- $0 annual fee and no foreign transaction fees
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
- See More Details & Reviews About TheCapital One VentureOne Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
- 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
- $200 Initial Bonus
- High rewards rate
- $0 Annual Fee
- 0% intro APR on purchases and balance transfers
- High Regular APR
- Balance transfer fee
- Requires good/excellent credit
- 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
- No foreign transaction fee
- No annual fee
- See More Details & Reviews About TheCapital One SavorOne Cash Rewards Credit Card
American Express® Gold Card American Express® Gold Card

- Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
- Terms Apply.
- 60K bonus points (worth roughly $460) for spending $4K in the first 6 months
- 4 points per $1 spent at restaurants
- 4 points per $1 spent at U.S. supermarkets (up to $25K spent per year, then 1 point)
- 3 points per $1 spent on eligible flights
- No foreign transaction fee
- $250 annual fee
- Points worth less than 1 cent, on average
- Limited ability to carry a balance from month to month
- Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
- See More Details & Reviews About TheAmerican Express® Gold Card
Bank of America® Travel Rewards credit card Bank of America® Travel Rewards credit card

- 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.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 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 travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase. That means you could earn up to 2.62 points for every $1 spent.
- 25,000 points initial bonus ($250 in travel)
- 1.5 points / $1 spent
- No annual fee or foreign transaction fees
- User-friendly travel rewards redemption
- Very high regular APR
- Requires excellent credit
- 0% Introductory APR for 15 billing cycles for purchases. After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBank of America® Travel Rewards credit card
Discover it® Cash Back Discover it® Cash Back
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- Rewards earned in the first year get doubled
- Up to 5% cash back
- No annual fee
- 0% intro rates for 15 months
- Potential for a very high regular APR
- Bonus reward categories rotate, require quarterly signup and limit earnings
- Balance transfer fee
- NEW Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About TheDiscover it® Cash Back
Capital One Platinum Credit Card Capital One Platinum Credit Card

- No annual fee
- Available to people with limited credit
- Free credit-score access
- No foreign transaction fee
- No rewards
- Fairly high regular APR
- No reduced introductory rates
- Pay no annual fee
- Be automatically considered for a higher credit line in as little as 6 months
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Get access to your account 24 hours a day, 7 days a week
- Help build your credit through responsible use of a card like this
- See More Details & Reviews About TheCapital One Platinum Credit Card
Upgrade Triple Cash Rewards Visa® Upgrade Triple Cash Rewards Visa®

- Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
- Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
- *To qualify for the $200 welcome bonus, you must open and fund a new Upgrade Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive the bonus.
- $0 annual fee
- 1 - 3% cash back
- $500+ credit limit
- APR up to 29.99%
- Rewards may take longer to get
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- Combine the flexibility of a card with the low cost and predictability of a loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- See More Details & Reviews About TheUpgrade Triple Cash Rewards Visa®
Capital One Venture Rewards Credit Card Capital One Venture Rewards Credit Card

- Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
- Earn unlimited 2X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Earn the miles-equivalent of 2% cash back
- Redeem for any-travel related expense
- $0 foreign transaction fee
- 60,000 miles initial rewards bonus
- Terrible cash back redemption rate
- Monthly earnings are lost when bill payments are late
- Not built for financing
- No foreign transaction fees
- See More Details & Reviews About TheCapital One Venture Rewards Credit Card
Discover it® Miles Discover it® Miles
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- $0 annual fee
- 1.5 miles per $1
- First-year rewards get doubled
- 0% foreign transaction fee
- Intro APRs on purchases and balance transfers
- High regular interest rate
- Not as rewarding after the first year
- New Intro APR: 0% intro APR† for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR will apply.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Discover Match® details & other information.
- See More Details & Reviews About TheDiscover it® Miles
Best No Foreign Transaction Fee Credit Cards in 2022

Chase Sapphire Preferred® Card
The best no foreign transaction fee credit card is the Chase Sapphire Preferred® Card. Chase Sapphire Preferred offers one of the best travel rewards bonuses on the market right now: 80,000 points (worth up to $1,000 in travel through Chase) in return for new cardholders making $4,000 in purchases within 3 months of opening an account. That more than covers the cost of the Sapphire Preferred Card’s $95 annual fee for years. The card also rewards users with 1 - 5 points per $1 on purchases normally. It requires at least good credit for approval.
Capital One Venture Rewards Credit Card
One of the best credit cards with no foreign transaction fees is the Capital One Venture Rewards Credit Card because it offers an initial bonus of 60,000 miles (after spending $3,000 in the first 3 months), and an ongoing rewards rate of 2 - 5 miles per $1 spent on purchases. All the rewards make up for the modest annual fee of $95.
Capital One Venture has an assortment of highly rated international travel benefits, too. For example, Capital One will automatically detect when you’re traveling, so you don’t have to notify them. And if you lose your card while traveling abroad, you can get Capital One to send an emergency replacement for free.
Discover it® Miles
One of the best credit cards with no foreign transaction fee and no annual fee is the Discover it® Miles. It also offers very attractive rewards, giving 1.5 miles per $1 normally and matching the rewards cardholders earn the first year. Just make sure Discover cards are accepted in your international travel or shopping destination of choice. Discover is not as widely accepted abroad as Visa or Mastercard, for example.
Citi Premier® Card
The Citi Premier® Card has a 0% foreign transaction fee and a big initial bonus: 60,000 points (worth $600 in gift cards at thankyou.com), which new cardholders can get by spending $4,000 within 3 months of opening an account. It also gives 3 points per $1 spent on air travel, hotel and gas station purchases, among other ongoing rewards. The Citi Premier Card has a $95 annual fee and requires good credit for approval.
Discover it® Student chrome
One of the best credit cards with no foreign transaction fee is the Discover it® Student chrome. It has a $0 annual fee to go along with its 0% foreign fee. It also offers 1 - 2% cash back in rewards on purchases and matches the rewards that you earn the first year your account is open. Discover it Student chrome is among the best credit cards for students with limited or no credit as a result.
Ink Business Preferred® Credit Card
Among the most rewarding credit cards on the market right now is the Ink Business Preferred® Credit Card, and it has a $0 foreign transaction fee. Among the card’s best features is an initial bonus of 100,000 points, which new cardholders can get by spending $15,000 within three months of opening an account. The annual fee is just $95, too.
No Foreign Transaction Fee Credit Cards Methodology & Recap
The best credit cards with no foreign transaction fees have annual fees as low as $0 and initial rewards bonuses worth up to $1,000 in travel, to go along with their $0 foreign fees and elite ongoing rewards. The very best no foreign transaction fee credit cards also require a credit score of 700 or higher for good approval odds, as they tend to be among the best credit cards on the market overall. There are options for people of all credit levels, though.
To find the best credit cards with no foreign transaction fee, WalletHub’s editors compared 1,000+ offers based on their foreign fees, credit-standing requirements, international acceptance and rewards. This approach helped us identify the top no foreign fee credit cards in the most popular usage categories. You can find a summary of WalletHub's editors’ picks below.
Best No Foreign Transaction Fee Credit Cards Comparison
Credit Card | Best For | Annual Fee |
Chase Sapphire Preferred® Card | Winner | $95 |
Capital One Venture Rewards Credit Card | International Travel | $95 |
Discover it® Miles | No Annual Fee | $0 |
Citi Premier® Card | Good Credit | $95 |
Discover it® Student chrome | Students | $0 |
Ink Business Preferred® Credit Card | Business | $95 |
Whether you’re traveling abroad or making purchases through an internationally based merchant, there are many reasons to get a credit card with no foreign fees. Let’s take a look at some of the most important.
5 Reasons To Get a Credit Card with No Foreign Transaction Fee
- Most credit cards charge foreign fees. About 70% of cards have foreign fees, according to our database. So if you don’t seek out a no foreign fee card, chances are you won’t get one. And no one wants to pay an extra 2% or 3% if they don’t have to.
- Foreign fees erode rewards. The average foreign fee is about 1.44% of the amount you spend, according to our latest Credit Card Landscape Report, but many cards charge 3%. The average cash back credit card, on the other hand, gives you just over 1% back.
- Credit cards have the best exchange rates. Any Visa or Mastercard credit card will help you save time and money – up to 11% – relative to converting hard currency at a local bank or an airport kiosk. But a foreign fee would limit your savings.
- Pickpockets won’t be as scary. If someone robs you of cash while you’re in a foreign country, there’s not much you can do about it. That money is gone. But if someone steals your credit card, you can request an overnight replacement, and you won’t be held liable for any unauthorized charges.
- You won’t have to sacrifice. Getting a card without foreign transaction fee does not mean giving up hopes of earning rewards or avoiding interest. Many of the market’s best credit cards do not charge foreign fees, so you can still find a great deal for your particular needs.
Methodology for Picking the Best No Foreign Transaction Fee Credit Cards
To identify the best credit cards with no foreign transaction fees, WalletHub’s editors regularly compare more than 1,500 credit card offers. We start by excluding all the offers with foreign fees and then calculate expected cardholder savings for the remaining options. This enables us to find the best no foreign transaction fee credit cards in different usage categories, from cards for frequent travelers to offers with no annual fee.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Best No Foreign Transaction Fee Credit Cards FAQ
Comparing no foreign fee credit card can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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- Do credit card companies lose money by not charging foreign-transaction fees?
- Do credit cards with no foreign fee just make up for it with other charges?
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- Do people who get credit cards in other countries have to pay foreign fees in the U.S.?
- Does it cost card issuers/networks more to process international transactions than domestic ones?
Ph.D., Assistant Professor of Economics, St. Mary's University, Texas
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Chair, Department of Accounting & Finance, College of St. Benedict & St. John’s University
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Chartered Financial Analyst and consultant: DBA Spartan Research and Consulting, Inc., Instructor at University of California, San Diego
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Ph.D., CPA, CFE, Associate Professor of Accounting, Opus College of Business, University of St. Thomas
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Faculty Co-Director, Michigan Ross Fintech Initiative, Assistant Professor of Technology and Operations and Finance, Stephen M. Ross School of Business, University of Michigan
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Associate Professor, Andrew Young School of Policy Studies, Georgia State University
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