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Best No Foreign Transaction Fee Credit Cards

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by Chris Thompson | Updated Jul. 11, 2018

Overview of the Best No Foreign Transaction Fee Credit Cards

If you’re planning a trip out of the country it’s important to be aware of foreign transaction fees. Most U.S credit card companies will charge a fee every time you use your card abroad. The fee is generally around 3% of each transaction you make while out of the country. The good news is there are credit cards with no foreign transaction fees available. Whether you’re traveling for business or pleasure, using one of these cards can mean huge savings on spending abroad. Our experts have done the math on the top no foreign transaction fee credit cards to help you find one that fits your needs. See More



Best Overall Credit Card

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  • 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
  • New Offer: 25,000 online bonus points if 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 flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.99% - 24.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%

Annual Fee

$0

Purchase Intro APR

0% Introductory APR on purchases for 12 billing cycles

Balance Transfer Intro APR

N/A

Regular APR

16.99% - 24.99% Variable APR on purchases and balance transfers

Benefits

Those approved for the Bank of America® Travel Rewards credit card will earn 1.5 points for every dollar they spend, with no expiration on those points as long as your account remains open. You can apply these points as a statement credit, so just book your travel plans and use the points’ value to cover the cost.

There’s no annual fee for this card and no foreign transaction fee for using your card while traveling abroad. You will also receive a 0% introductory APR for the first 12 billing cycles on purchases, 16.99% - 24.99% Variable APR on purchases and balance transfers after.

You’ll be eligible to earn 25,000 online bonus points if you spend at least $1,000 during the first 90 days that the account is open. Bank of America customers will earn extra points, so if you’re a savings or checking account holder, you’ll receive 10% more points. Beyond that, if you’re a Bank of America® Preferred Rewards client, a bonus between 25% and 75% will come your way.

Things to Consider

While new cardholders will receive a 0% introductory APR on purchases for their first 12 billing cycles, their APR following that time will be 16.99% - 24.99% Variable APR on purchases and balance transfers, depending on creditworthiness. There are no travel-specific partners paired with Bank of America® and no points transfers.

Our Verdict

No annual fee, foreign transaction fee and a 0% introductory APR on purchases for the first 12 billing cycles makes the Bank of America® Travel Rewards credit card a uniquely good choice. The ability to earn 1.5 points on all purchases with the card, along with the multiple ways to earn bonus points, leaves a lot of room for travel benefits for cardholders.

Best Ongoing Rewards Credit Card

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  • Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days and paying the annual fee
  • Earn unlimited 2X miles on every purchase
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don’t expire as long as your account is open, active and in good standing

Annual Fee

$89 (waived first year)

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% for 12 Billing Cycles (for balance transfers completed within first 45 days)

Regular APR

17.99%, 21.99% or 24.99% Variable

Benefits

As a Barclaycard Arrival® Plus World Elite Mastercard® cardholder, you’ll earn double miles for every dollar you spend. You can then compound these rewards by earning 60,000 bonus miles for spending $5,000 within 90 days of the account opening and paying the annual fee.

Every time you redeem to help pay for a trip or other expense, you’ll receive 5% miles back to use on future trips. There’s also no foreign transaction fees, so you won’t rack up more charges while you’re traveling abroad.

Besides travel-related expenses, miles can be used in the form of cash back statement credits, as well as for gift cards and retail merchandise. The 0% introductory APR for 12 billing cycles on balance transfers made within 45 days of the account opening allows cardholders who need to transfer debt a worry-free way to do so.

Things to Consider

There’s an annual fee of $89 with the Barclaycard Arrival® Plus World Elite Mastercard®. This yearly fee could impact the potential worth you could see from miles earned.

Our Verdict

The Barclaycard Arrival® Plus World Elite Mastercard® offers prospective cardholders lots of opportunities to rack up miles to use on trips, while not piling on foreign transaction fees. That makes this card a solid choice for frequent fliers and other travelers.

Best Sign-Up Bonus Credit Card

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  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a ‘Best Travel Credit Card’ by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Annual Fee

$0 intro annual fee for the first year, then $95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

17.74%-24.74% Variable

Benefits

Chase Sapphire Preferred® Card cardholders will earn double points on all purchases related to travel and dining, as well as 1 point for every dollar spent anywhere else. You can also earn 50,000 bonus points by spending at least $4,000 during the first three months of the account opening. If you add an authorized user to your account and they make a purchase within that same time frame, you’ll receive 5,000 extra points.

You’ll also get 25% more point value when you redeem your travel-related expenses like airfare, car rentals and hotels through the Chase Sapphire Preferred® Card portal. Cardholders have a plethora of choices when it comes to booking travel. United Airlines, Hyatt and Southwest Airlines are just a few of the options.

You can redeem and use your points without the worry of blackout dates or restrictions. Once you’re abroad, there’ll be no foreign transaction fees associated with any of your purchases.

Things to Consider

The Chase Sapphire Preferred® Card has $0 introductory annual fee rate, but following that initial year, you’ll pay $95 annually. There’s no introductory APRs associated with purchases or balance transfers, as those rates will fall between 17.74%-24.74% Variable, depending on your creditworthiness.

Our Verdict

Whether you’re an occasional traveler, or you feel like you live on a plane, the Chase Sapphire Preferred® Card has a benefit system in place for you. Its bonus points system has plenty of opportunity, and your points never expire so they can be used when you need them most.

Best for Low APR Credit Card

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  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
  • Low 13.99% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

See Terms

Regular APR

13.99% Variable

Benefits

The Barclaycard Ring® Mastercard® can travel with you anywhere around the world, without costing you an extra dime. There are no foreign transaction fees or annual fee with this card. There’s also no balance transfer fee with this card, if a balance is transferred after the first 45 days. The card comes with a 0% intro APR for 15 months for balances transferred within the first 45 days - though there will be a balance transfer fee during this time period of 2% or $5, whichever is greater. The ongoing 13.99% Variable APR the card offers on purchases, balance transfers, and cash advances is much lower than the national average.

Uniquely, this card also has its own online cardholder community. Using this group, you can voice your opinion as to where you want the card’s features to go next, as well as vote on others’ suggestions.

Things to Consider

Rewards seem to be a part of almost every card nowadays, but the Barclaycard Ring® Mastercard® doesn’t offer a traditional rewards system. If you’re looking for a rewards credit card, you’ll need to look elsewhere.

Our Verdict

The Barclaycard Ring® Mastercard® is a great, low-fee option for travelers. You won’t have to pay an annual fee or foreign transaction fees and the 13.99% Variable APR is an extremely competitive rate.

Best for Cashback Rewards Credit Card

More Details

  • One-time $150 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; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

Annual Fee

$0

Purchase Intro APR

0% for 15 Months

Balance Transfer Intro APR

0% for 15 Months

Regular APR

14.74%-24.74% Variable

Benefits

Things are pretty simple with the Capital One® Quicksilver® Cash Rewards Credit Card. You will earn 1.5% cash back on every purchase you make. A bonus $200 cash back is up for grabs should you spend $500 during your first three months with the card.

When traveling abroad, you won’t have to worry about any foreign transaction fees, and there’s no annual fee related to the card. On top of that, new cardholders will receive a 0% introductory APR for 15 months on both purchases and balance transfers.

Any cash back you earn can be redeemed at any time and in any amount, and it doesn’t expire. So cardholders can save their rewards and use them when it’s really needed the most.

Things to Consider

Though you’ll receive a 0% introductory APR for the first 15 months with the Capital One® Quicksilver® Cash Rewards Credit Card, it will become a 14.74%-24.74% Variable APR after that. While the percentages and pure numbers related to the rewards system are solid, the process of cash back redemption is a bit limited in its’ choices.

Our Verdict

You’ll need very good credit to be approved for the Capital One® Quicksilver® Cash Rewards Credit Card, but those who become cardholders will be very happy with the cash back rewards and low fee/APR structure.

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing travel credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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