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Best No Foreign Transaction Fee Credit Cards

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by Chris Thompson | Updated Feb. 1, 2018

Overview

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
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 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 16.24% - 24.24% 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

16.24% - 24.24% 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, 16.24% - 24.24% Variable APR on purchases and balance transfers after.

You’ll be eligible to earn 20,000 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 16.24% - 24.24% 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 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 21.24% or 24.24%, based on your creditworthiness. There is a fee for balance transfers.

Annual Fee

$89 - Waived first year

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% for 12 months (on balance transfers made within 45 days of account opening)

Regular APR

17.24%, 21.24% or 24.24% 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 40,000 bonus miles for spending $3,000 within 90 days of the account opening.

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 months 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 no annual fee during your first year with the Barclaycard Arrival Plus® World Elite Mastercard®, but following that, an $89 annual fee will apply. 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®
  • 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
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • 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

17.24%-24.24% 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 17.24%-24.24% 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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  • A low, variable APR on purchases, balance transfers and cash advances
  • No annual fee
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

10.24% 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 you do have existing credit card debt that you’d like to transfer, keep in mind that you will start paying the 10.24% Variable APR right away with this card. There’s no intro APR on balance transfers, but the 10.24% Variable APR 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.

Because of its low APR and lack of fees, you’ll need an excellent credit score to qualify for this card.

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 10.24% Variable APR is an extremely competitive rate.

Best for Cashback Rewards Credit Card

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  • 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
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • 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 9 months; 14.24%-24.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.24%-24.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Annual Fee

$0

Purchase Intro APR

0% for 9 Months

Balance Transfer Intro APR

0% for 9 Months

Regular APR

14.24%-24.24% 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 $150 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 nine 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 nine months with the Capital One® Quicksilver® Cash Rewards Credit Card, it will become a 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.

Best Airline Credit Card

More Details

  • Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days
  • Earn 3 points per $1 spent on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don't expire
  • Earn and share points together with Family Pooling
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% intro APR for 12 billing cycles (for transfers posted within first 45 days)

Regular APR

12.99%, 20.99% or 25.99% variable

Offer is no longer available through our site.

Benefits

The JetBlue Card is a great option for those travelers that are loyal to JetBlue, as you’ll earn 3 points on all purchases with the airline. Cardholders will also receive 2 points on purchases at restaurants and grocery stores and 1 point per dollar on all other purchases. When on a JetBlue-operated flight, you will receive a 50% discount on certain in-flight buys, like cocktails and food.

JetBlue will aid you in earning and holding onto your points too, as you can combine them with the Family Pooling feature. There’s also no expiration date for points, along with no blackout dates or restrictions on JetBlue-operated flights.

While you’re abroad you won’t have to worry about any extra fees, as there’s no foreign transaction fees associated with this card. There’s also no annual fee and a 0% introductory APR for 12 billing cycles on balance transfers posted within the first 45 days, keeping the card maintenance costs quite low in the process.

Things to Consider

The 10,000 bonus points up for grabs when you spend $1,000 in purchases during your first 90 days with the card is on the low end of the spectrum for sign-up bonuses offered by similar cards. Similarly, prospective cardholders will find that the network of destinations available to them is a bit more limited than other competitors.

Our Verdict

The JetBlue Card offers loyal JetBlue fliers plenty of benefits that will help lower their flight costs. The variation with which points can be earned (2 points at grocery stores and restaurants and 1 point on everything else) also helps its cause.

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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We maintain strict editorial integrity in our writing and assessments. This post contains links from our advertisers, and we may receive compensation when you click these links. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been provided, reviewed or otherwise endorsed by our advertising partners. Please visit our Advertiser Disclosure for more information and to view our partners.
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