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4 Best No Foreign Transaction Fee Credit Cards [July 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 … show more… show more
Best No Foreign Transaction Fee Credit Cards of July 2022
NO FOREIGN FEE CREDIT CARD
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Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- $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
- 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
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 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 annual fee and no foreign transaction fees
- 0% intro APR on purchases and balance transfers for 15 months; 16.49%-26.49% variable APR after that
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- 20,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- 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
- 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
- $0 annual fee and no foreign transaction fees
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR after that
Chase Sapphire Reserve® Chase Sapphire Reserve®

- Initial Bonus: 60,000 points
- $300 Annual Travel Credit
- Up To 15% Back On Hotels and Car Rentals
- High Annual Fee
- High APR
- New Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Discover it® Cash Back Discover it® Cash Back
- 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
- 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.
- 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.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Redeem cash back in any amount, any time. Rewards never expire.
- NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 13.49% to 24.49% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "Apply Now" to see terms and conditions.
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- $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
- 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 unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 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
- 0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR after that
- No foreign transaction fee
- No annual fee
American Express® Gold Card American Express® Gold Card

- 60K 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
- Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- 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.
- Updated $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Terms Apply.
- Choose the color that suits your style. Gold or Rose Gold.
- 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.
Bank of America® Travel Rewards credit card Bank of America® Travel Rewards credit card

- 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
- 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.
- 0% Introductory APR for 15 billing cycles for purchases. After the intro APR offer ends, 14.74% - 24.74% 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.
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
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's 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
Discover it® chrome Discover it® chrome
- No membership fees
- Intro APR on purchases
- Intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- No initial rewards bonus
- Balance transfer fee
- 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. Just a dollar-for-dollar match.
- Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- 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. Just a dollar-for-dollar match.
- Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 13.49% - 24.49% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "Apply Now" to see terms and conditions.
U.S. Bank Altitude® Go Visa Signature® Card U.S. Bank Altitude® Go Visa Signature® Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Balance transfer fee
- Requires excellent credit
- Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
- 4X points on dining, takeout, and restaurant delivery.
- 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
- 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
- 1X point on all other eligible purchases.
- Points never expire
- Terms and conditions apply.
- 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 16.49% - 25.49%.
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
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: 60,000 points (worth up to $750 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 75,000 miles (after spending $4,000 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: 80,000 points (worth $800 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.
- 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.
- 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.
- 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
2022 Foreign Transaction Fee Survey
International travel is costly enough without having to pay extra just for swiping, dipping or tapping your credit card beyond U.S. borders. But foreign transaction fees are lurking, even domestically. Any purchase made through an international merchant and processed abroad is subject to a foreign fee.
To get a better understanding of what consumers know about foreign fees, how they influence our card choices and more, WalletHub conducted a nationally representative online survey. We asked people about everything from their international travel and spending habits to their biggest worries when using a credit card internationally. You can find the complete results in the following infographic.
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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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?
Ph.D., Associate Professor of Finance, College of Business Administration, Savannah State University
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Adjunct Professor at the University of New Orleans and CEO of Jefferson Financial Federal Credit Union
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Assistant Professor of the Professional Practice of Finance, Rutgers Business School, the State University of New Jersey
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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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