No Foreign Transaction Fee Credit Cards
WalletHub makes it easy to find the best credit card with no foreign transaction fees.
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Best Credit Cards with No Foreign Transaction Fees
- Wells Fargo Propel American Express® card: Chip & PIN
- Chase Sapphire Preferred® Card: Bonus & Visa Benefits
- Ink Business Preferred® Credit Card: Business Travel
- Capital One Venture Rewards Credit Card: International Travel
- Citi Premier® Card: Excellent Credit
- Discover it® Student chrome: Students
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
- 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
- Pay no annual fee or foreign transaction fees
- See More Details & Reviews About TheCapital One Quicksilver Cash Rewards Credit Card
Capital One Platinum Credit Card Capital One Platinum Credit Card

- 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
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
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Transfer your miles to over 10+ travel loyalty programs
- $0 annual fee and no foreign transaction fees
- Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% 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 and entertainment, 2% at grocery stores 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 15 months; 15.49% - 25.49% variable APR after that
- No foreign transaction fee
- No annual fee
- See More Details & Reviews About TheCapital One SavorOne Cash Rewards Credit Card
Secured Mastercard® from Capital One Secured Mastercard® from Capital One

- No annual fee
- Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
- Accepted at millions of locations worldwide
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- We will monitor your account, and as you use it responsibly by doing things like making on-time payments, you may be able to earn back your deposit as a statement credit
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- See More Details & Reviews About TheSecured Mastercard® from Capital One
Hilton Honors American Express Card Hilton Honors American Express Card

- Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
- Terms Apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- No Annual Fee.
- See More Details & Reviews About TheHilton Honors American Express Card
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 $100 application fee credit for Global Entry or TSA Pre✓®
- Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 10+ travel loyalty programs
- No foreign transaction fees
- See More Details & Reviews About TheCapital One Venture Rewards Credit 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
- 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 14.99% - 22.99% Variable APR will apply
- Contactless Cards - The security of a chip card, with the convenience of a tap
- See More Details & Reviews About TheBank of America® Travel Rewards credit card
Chase Sapphire Preferred® Card Chase Sapphire Preferred® Card

- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
- 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Petal® 2 Visa® Credit Card Petal® 2 Visa® Credit Card

- Up to 1.5% cash back after making 12 on-time monthly payments
- 1% cash back on eligible purchases right away
- 2% - 10% cash back from select merchants
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
- $500-$10,000 credit limits
- Variable APRs 12.99%-26.99%
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
- See More Details & Reviews About ThePetal® 2 Visa® Credit Card
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Best No Foreign Transaction Fee Credit Cards

Chase Sapphire Preferred® Card
The best credit card with no foreign transaction fees is the Chase Sapphire Preferred® Card. Chase Sapphire Preferred offers one of the best travel rewards bonuses on the market right now: 60,000 points (worth up to $750 in travel) 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 - 2 points per $1 on purchases normally. It requires at least good credit for approval.
Wells Fargo Propel American Express® card
One of the best rewards cards for travel, dining, driving, and streaming content is the Wells Fargo Propel American Express® card. It gives bonus rewards in those spending categories, along with an initial rewards bonus of 20,000 points for spending $1,000 within three months of opening an account. It also has chip-and-PIN, which makes it easier to use abroad and improves card security at home. Plus, there’s a $0 annual fee and no foreign transaction fee.
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 miles per $1 spent on all 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 (Discover offers are not currently available on WalletHub and may be out of date). It also offers very attractive rewards, giving 1.5 miles / $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.
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.
Discover it® Student chrome
One of the best credit cards with no foreign transaction fee is the Discover it® Student chrome (Discover offers are not currently available on WalletHub and may be out of date). 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.
Citi Premier® Card
The Citi Premier® Card has a 0% foreign transaction fee and a big initial bonus: 60,000 points (worth $750 in airfare), which new cardholders can get by spending $4,000 within three months of opening an account. It also gives 3 points per $1 spent on travel purchases, including purchases at gas stations, among other ongoing rewards. The Citi Premier Card has a $95 annual fee and requires excellent credit for approval.
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 of February 2021
Credit Card | Best For | Annual Fee |
Wells Fargo Propel American Express® card | No Annual Fee | $0 |
Capital One Quicksilver Cash Rewards Credit Card | Cash Back | $0 |
Chase Sapphire Preferred® Card | Sign-up Bonus | $95 |
Ink Business Preferred® Credit Card | Business | $95 |
Capital One QuicksilverOne Cash Rewards Credit Card | Fair Credit | $39 |
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 One of the Best Credit Cards 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 just over 2% 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
Questions & Answers
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 moreshow less
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Featured Credit Cards
Ask the Experts
- 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?
- Do you think most people know whether their credit cards have foreign-transaction fees?
- Are there any other pitfalls people should watch out for once they have a no-foreign-fee credit card?
- 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?
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Hayne E. Leland
Professor at the University of California - Berkeley
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Karen Xie
Assistant Professor in the Daniels College of Business at University of Denver
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Juline E. Mills
Professor and Chair of the Hospitality and Tourism Department in the College of Business at University of New Haven
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Mark Gruskin
Assistant Professor of Finance and Accounting at Penn State Lehigh Valley
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K.R. Vishwanath
Assistant Professor, Marketing, Dominican University
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Babu George
Associate Professor, Coordinator of International Programs, Robbins College of Business and Entrepreneurship, Fort Hays State University
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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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