When you travel to another country, a credit card with no foreign transaction fees will come in handy to stretch your budget and avoid unwanted extra charges. We have curated a list below of the best cards you can find with no foreign transaction fees for your travel adventures.
Best Cards With No Foreign Transaction Fees
Traveling internationally calls for good budgeting skills, so why not avoid foreign transaction fees when shopping abroad? Below you will find credit cards to fit a variety of lifestyles – from luxury travel to building credit on your adventures – so read on and explore the pick that best fits your needs.
Best Cards With Annual Fees (Luxury)
Do you find yourself living an elevated lifestyle? If so, these luxury credit cards may be the right pick for you. All feature no foreign transaction fees, plus some of the most sought-after credit card travel benefits – like lounge access, travel credits, reward miles, and more.
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
- 21.99% - 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.99% - 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Capital One Venture X Rewards Credit Card provides huge travel perks, impressive miles on every purchase, and more – for a $395 annual fee. New accounts also enjoy 75,000 miles after making $4,000 in purchases in the first three months.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and our Partner Lounge Network
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more-you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available
- Regular Purchase APR: 21.99% - 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.99% - 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Annual Fee: $395
- Late Payment Penalty Fee: Up to $40
- You travel often, and want a card that provides lounge access, elite status, and more
- You plan on issuing cards to multiple authorized users
- You plan on spending at least $4,000 on the card in the first three months
- You don’t want to pay foreign transaction fees
Capital One Venture X Rewards Credit Card
If you’re looking for luxury, the Capital One Venture X Rewards Credit Card is a promising choice. It’s a travel rewards card with all the bells and whistles, like airport lounge access, travel credits, hotel credits, and more. It has everything you might need to support your travel needs, including a 10,000-mile anniversary bonus equal to a $100 value for cardholders.
Let’s not forget the miles you can pile up with the Venture X Rewards Credit Card. Earn up to 10x miles per dollar on hotel stays, car rentals, flights, and more. Of course, the lucrative rewards and benefits do not come without a price. The Venture X card has a $395 annual fee; however, its benefits hold more value than the annual fee costs – provided that you take advantage of all of them.
Mastercard® Black Card™
Mastercard® Black Card™
Mastercard® Black Card™
- 21.24%, 25.43% or 28.24% Regular Purchase APR
- 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers. Balance Transfer APR
- 30.49%. This APR will vary with the market based on the Prime Rate. Cash Advance APR
At a Glance
An exclusive and complete credit card, the Mastercard® Black Card™ is a statement piece that offers a wide range of unique benefits not found anywhere else. Beyond a 2% redemption rate for airfare and 1.5% for cash back, the Black Card provides a full lifestyle experience that goes beyond just amassing points – and that more than makes up for its annual costs. Once approved, customers can expect 24/7 personalized concierge service, VIP discounts, and attractive memberships.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Stainless steel and carbon card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees.
- Simple and flexible rewards without the hoops. 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions.
- Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline.
- Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
- 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay.
- Regular Purchase APR: 21.24%, 25.43% or 28.24%
- Intro Balance Transfer APR: 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
- Balance Transfer APR: 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 30.49%. This APR will vary with the market based on the Prime Rate.
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: $495
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You're a frequent traveler who aims to earn rewards that can be redeemed for airfare at an unmatched rate
- You're looking to minimize your wallet via an everyday credit card that rewards on every redemption
- You aim to stand out from the crowd with an expertly-crafted metal credit card weighing 22 grams
- You're seeking a dedicated 24/7 Concierge service offering personalized assistance to meet a variety of requests
- You stay at high-end hotels and exclusive resorts that offer Cardmembers amenities, breakfast vouchers and resort credits
- You're interested in premium travel benefits and protections found in few competing credit cards
Mastercard® Black Card™
The next card on our list feels almost like always having a personal concierge in your wallet. The Mastercard® Black Card™ is a unique upscale credit card that has many of the usual high-end benefits, with two traits, in particular, standing out. One is the 24/7 Luxury Card Concierge® – an around-the-clock service that can help you save time and manage tasks of any size.
Whether you need valuable research, crisis management, special occasion planning, or connections, the Mastercard® Black Card™ concierge service can most likely make it happen. Fun fact: Luxury Card Concierge claims that within two hours, they were able to secure the jumbotron in Times Square for a Cardmember’s surprise marriage proposal.
The second stand-out trait is the card’s 2% value for airfare redemptions. Cardholders get 1 point for every $1 they spend, but if you redeem your points for airfare, the value increases to 2% (1.5% value for cash back redemptions) – a convenient reward benefit if you plan on doing lots of traveling.
Hilton Honors American Express Aspire Card
Hilton Honors American Express Aspire Card
Hilton Honors American Express Aspire Card
- 20.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Hilton Honors American Express Aspire Card is a behemoth of a hotel card, offering new cardmembers the ability to earn a hefty Hilton Honors bonus points welcome offer after making $6,000 in eligible purchases on the card within the first three months of the account opening. This card also grants the ability to earn a whopping 14x Hilton Honors points per dollar spent on direct Hilton hotel and resort purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 14X points for Hilton hotels and resorts
- 7X points on flights booked directly with airlines or through amextravel.com, ca
- 7X points on car rentals booked directly from select car rental companies
- 7X points at U.S. restaurants
- 3X points on all other purchases
- Complimentary Diamond Status in the Hilton Honors rewards program
- Anniversary bonus of one weekend night
- Earn additional weekend night reward after spending $60,000 within calendar year
- $400 Hilton resort statement credit
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $550
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You're capable and willing to spend $6,000 within the first three months of opening an account to receive the card’s welcome offer of bonus Hilton Honors points
- You wantCLEAR security fast pass
- You book stays at Hilton Resorts at least once per year
- You will make $60,000 in purchases per year
Hilton Honors American Express Aspire Card
If we are listing cards with no foreign transaction fees, we have to mention hotel credit cards. For this reason, the Hilton Honors American Express Aspire Card has made it on our list – a savvy choice for anyone who frequents Hilton hotels and resorts. Cardholders can earn up to 14x points per dollar for booking hotel stays, flights, car rentals, and more. You also get 3x points per dollar on all other eligible purchases that do not fall within specific purchase categories. Although the card does have a $450 annual fee, it holds up in value with benefits like its $250 airline fee credit, a $100 Hilton on-property credit, and the following additional perks:
| Annual free night rewards | Cell phone protection | Complimentary Diamond Status |
| Car Rental Loss and Damage Insurance | Baggage Insurance Plan | Global Dining Access by Resy |
Chase Sapphire Reserve
Chase Sapphire Reserve
Chase Sapphire Reserve
- 22.49% to 29.49% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 22.49% to 29.49% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
With the Chase Sapphire Reserve® card, luxury and travel rewards come together with this upper-tier card, which offers an attractive points system and includes a lengthy list of perks for any jet setter.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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 flights 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
- 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
- Regular Purchase APR: 22.49% to 29.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 22.49% to 29.49% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $550, each authorized user: $75 per year
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You travel often and want a card that provides worldwide value
- You eat at restaurants frequently
- You plan to use rewards for travel, which provides the best value for redemption
- You want a card with no foreign transaction fees
Chase Sapphire Reserve
The Chase Sapphire Reserve is a classic choice and holds a variety of valuable benefits for cardholders. In addition to not charging for purchases made abroad, the Sapphire Reserve includes $1,200 in additional partnership value with partners like Priority Pass Select, Peloton, Instacart, and more. Moreover, the $300 annual travel credit is ideal for travelers looking forward to doing a little splurging on their trips.
Best Cards With Annual Fees (Mid-Range)
Luxury travel credit cards might not suit your needs, especially if the perks don’t fit your lifestyle. However, many mid-range credit cards offer similar benefits. Check out our picks for the best mid-range cards with annual fees and no foreign transaction fees.
Chase Sapphire Preferred
Chase Sapphire Preferred
Chase Sapphire Preferred
- 21.49% to 28.49% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 21.49% to 28.49% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.99% variable based on Prime Rate Cash Advance APR
At a Glance
For customers with a hunger for travel and (literally) dining, the Chase Sapphire Preferred® Card offers a robust set of rewards and perks to ensure that they get the most out of their purchases. Plus, a sizable introductory bonus allows them to begin collecting – and redeeming – points immediately.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024
- Member FDIC
- Regular Purchase APR: 21.49% to 28.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 21.49% to 28.49% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of each transfer amount, whichever is greater
- Cash Advance APR: 29.99% variable based on Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of each transaction amount, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You travel often enough to make up for the annual fee
- You'll take advantage of the travel insurance and other emergency perks
- You're looking for flexibility when it comes to rewards, with the option to redeem for gift cards, flights and more
- You plan to maximize your points by redeeming through Chase Ultimate Rewards®
- You have a very good to excellent credit score, and can meet the spending requirement for the introductory bonus
Chase Sapphire Preferred
The Chase Sapphire Preferred has a little bit of everything, albeit on a smaller scale when compared to its big brother, the Chase Sapphire Reserve. With this credit card, you can still earn travel rewards, statement credits, enjoy partner benefits, and more. To give some perspective on how valuable the benefit of no foreign transaction fees is, consider the following example: if you spend $5,000 internationally, you would have to pay $150 in foreign transaction fees at the typical 3% rate.
In addition, you can travel confidently with the Sapphire Preferred card’s built-in features like trip cancellation insurance, auto rental insurance, and baggage insurance. This card has a $95 annual fee – a big difference in price when compared to the Chase Sapphire Reserve – and yet it still holds plenty of value.
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
- 20.99% - 28.99% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 20.99% - 28.99% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Through the Capital One Venture Rewards Credit Card, you’ll be able to earn an unlimited 2X reward miles per dollar spent on every purchase, every day, meaning there aren’t any annoying categories to memorize to maximize your miles. New Venture cardholders are also entitled to a whopping 60,000 bonus miles after 60,000 miles after spending $3,000 in the first three months bonus offer.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Miles wo'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®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
- 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
- Regular Purchase APR: 20.99% - 28.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 20.99% - 28.99% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- You travel frequently and can take advantage of the card’s 2X reward miles earning potential
- You do not want to jump through hoops when it comes to categories that earn you bonus miles
- You want an extra 60,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening
- You have excellent credit
Capital One Venture Rewards Credit Card
If you’re trying to keep your travel credit card management as simple as possible, the Capital One Venture Rewards Credit Card might be for you. With the Venture Rewards card, you can still earn rewards and enjoy perks for travel. The card earns you unlimited 2x miles per dollar on every purchase, so you won’t have to keep track of various reward categories. As a bonus, you can earn 5x miles on hotels and rental cars booked through Capital One Travel.
While the card does have a $95 annual fee, you can receive a credit for up to $100 for Global Entry or TSA PreCheck® enrollment – a beneficial credit to have if you want to zoom through security checks or expand your budget when you travel internationally. And these are not the only airport perks available with the Venture Rewards card. Cardholders also get two complimentary airport lounge visits per year to relax while waiting on their flight.
Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card
- 20.99% to 29.99% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
If you regularly stay at Hilton properties, the accelerated ability to earn bonus points and a sizable introductory bonus offer help the Hilton Honors American Express Surpass Card really stand out. Card members also receive complimentary Hilton Honors Gold status, which entitles them to guaranteed member discounts, digital check-in, complimentary breakfast, and a host of other perks, all for a competitive annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio
- 6X Hilton Honors points per $1 spent on purchases at U.S. restaurants, U.S. supermarkets, U.S. groceries, U.S. online retail, and U.S. gas stations
- 3X Hilton Honors points on all eligible purchases
- Complimentary Gold status with your card
- Free Weekend Night Reward after spending $30,000 on your card in a calendar year
- No foreign transaction fees
- Earn 170,000 bonus points and a free night after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 3 months of Card Membership
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $150
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You regularly stay at Hilton properties and want to quickly earn Hilton Honors Bonus Points
- You will spend enough with the card in the first three months of opening an account to earn a very generous welcome offer
- You want the convenient benefits that come with complimentary Hilton Honors Gold status, as well as Hilton Honors Diamond status if you spend $40,000 on eligible purchases through the end of the next calendar year
Hilton Honors American Express Surpass® Card
The Hilton Honors American Express Surpass® Card also has a $95 annual fee. For Hilton fans, this card might be worth your time, as it also includes a complimentary Priority Passâ„¢ Select membership. With it, you get ten free airport lounge visits each year. Additionally, cardholders get complimentary Hilton Honors Gold Status, a convenient membership for earning perks like a 5th night free on a standard room stay of 5+ booked nights. The Hilton Honors Surpass card also offers an additional free night reward. To earn it, cardholders must reach a high spending threshold of $15,000 within a calendar year – not a worthwhile benefit if you don’t plan on using this as your primary credit card year-round. Other included benefits:
- Car rental insurance
- Global Assist® Hotline for emergency assistance
- Complimentary ShopRunner membership
- Access to American Express Experiences
Best With No Annual Fee
Want a credit card with no foreign transaction fees and no annual fee? We got you covered. Check out the selections below, which will save you additional expenses both abroad and year-round.
Bilt Mastercard
Bilt Mastercard
Bilt Mastercard
- 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Bilt World Elite Mastercard is a unique rewards credit card from Wells Fargo that lets users earn 1X on monthly rent payments, 3X on travel, 2X on dining, and offers impressive perks including Lyft and DoorDash statement credits – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 1X points on rent payments (up to 50,000 points each calendar year)
- Earn 2X points on travel
- Earn 3X points on dining
- Regular Purchase APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
- Cash Advance APR: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You rent and want to earn rewards on your monthly rental payments
- You're a member of Bilt Rewards
- You don’t want to pay an annual fee
Bilt Mastercard
Known for earning cardholders reward points on rent, the Bilt Mastercard also has no foreign transaction fees and no annual fee. The card does have its quirks, though. For example, to earn points, cardholders must use it five times each statement period – an easy quota to accomplish if you plan on using Bilt for your essential everyday purchases. The card earns customers 1x points per dollar on rent payments (without the transaction fee), 2x points on travel, 3x points on dining, and 1x points on all other purchases. Points also get doubled on Rent Day (the 1st of each month). So each Rent Day your rewards haul could come out to 6x points per dollar on dining, 4x points on travel, and 2x on all other purchases (except rent). To accompany you on your travels, the card also features many other convenient benefits, such as:
- Trip cancellation and interruption protection
- Trip delay reimbursement for expenses incurred
- Auto rental insurance
- Lyft credits
Additional benefits:
- Cellular telephone protection
- Purchase security
Chime Credit Builder Secured Visa® Credit Card
Chime Credit Builder Secured Visa® Credit Card
Chime Credit Builder Secured Visa® Credit Card
- See Terms Regular Purchase APR
- See Terms Cash Advance APR
At a Glance
The Chime Credit Builder Visa® Secured Credit Card is a credit-builder product from Chime – a fintech that offers an assortment of financial products and services with no hidden fees. The secured card functions harmoniously with Chime’s other products and services, including their high-yield savings account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee or interest
- No credit check performed when applying
- No minimum security deposit required
- Ideal for everyday purchases to help build credit with regular on-time payments
- Checking account required
- Regular Purchase APR: See Terms
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: $2.50 per transactio
- You're seeking to build your credit score
- You don’t want a credit check on your credit report
- You don’t want the hassle of a minimum security deposit
- You want access to high yield savings to help your money grow
- You don’t want to pay any additional fees
Chime Credit Builder Secured Visa® Credit Card
If credit building is on your mind, but you also want to enjoy the perks of having a credit card with no foreign transaction fees, the Chime Credit Builder Secured Visa® Credit Card might be a good fit for you – it’s a secured credit card with no hidden fees. The only catch is that you need a Chime High Yields Savings account to work with the secured credit card. However, this isn’t a downside, since you can save money while building credit at the same time. The card has no annual fee, and no minimum security deposit is required, so you can budget at your own pace.
Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
- 19.99% - 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.99% - 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for the first 15 months from date of account opening Intro Purchase APR
At a Glance
A younger sibling to the Savor® Rewards version, the Capital One SavorOne Cash Rewards Credit Card also highlights cash back on dining and entertainment while also extending an appealing 0% introductory APR offer.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment 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
- No rotating categories or sign-ups needed to earn cash rewards
- Cash back wo't expire for the life of the account and there's no limit to how much you can earn
- No foreign transaction fee
- No annual fee
- You're covered by $0 Fraud Liability if your card is ever lost or stole
- Intro Purchase APR: 0% for the first 15 months from date of account opening
- Regular Purchase APR: 19.99% - 29.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 15 months from date of account opening
- Balance Transfer APR: 19.99% - 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer posted during the first 15 months from account opening. None for transfers that post thereafter
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Late Payment Penalty Fee: Up to $40
- You frequently dine out or make purchases in the entertainment category
- You want a cash back credit card with no annual fee and no foreign transaction fees
- You plan to pay for your groceries with a credit card over cash or debit
- You're looking for exclusive cardmember perks that give access to unique experiences not available to the public
Capital One SavorOne Cash Rewards Credit Card
With the Capital One SavorOne Cash Rewards Credit Card, you need excellent credit to apply.. However, it earns unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores – an ideal credit card for foodies and those who lead active lifestyles. Rewards redemption is simple, as it can all be redeemed for cash back of any amount. Similar to many of the cards that have made our list, the SavorOne Cash Rewards card offers travel protections that help you feel secure on your voyages. Such benefits include the following:
| Travel accident insurance | Concierge service |
| 24-hour travel assistance | Access to Capital One Travel for the best prices on trips |
Honorable Mentions
Marriott Bonvoy Bold® Credit Card
Marriott Bonvoy Bold® Credit Card
Marriott Bonvoy Bold® Credit Card
- 21.49% to 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.49% to 28.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Marriott Bonvoy Bold® Credit Card is – unsurprisingly – a bold rewards card option for fans of Marriott Bonvoy hotel properties. Not only can you earn points on travel, this card also rewards you for being a loyal Marriot guest. You’ll earn free stays faster when you use this card for everyday purchases, and there’s no limit to the number of points you can accumulate.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Limited Time Offer! Earn 60,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening
- Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
- Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
- 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains).
- 1X point for every $1 spent on all other purchases.
- Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
- No Foreign Transaction Fees.
- Earn unlimited Marriott Bonvoy® points and get Free Night Stays faster.
- Regular Purchase APR: 21.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You already have, or plan to enroll in, a Marriott Bonvoyâ„¢ membership to maximize rewards
- You can anticipate spending enough in the first three months as a cardholder to satisfy the threshold needed to earn a sizable bonus points award
- You want a travel rewards card with no annual fees or foreign transaction fees
- You will take advantage of the 15 Elite Night credits to reach or surpass Silver Elite status
Hilton Honors American Express Card
Hilton Honors American Express Card
Hilton Honors American Express Card
- 20.99% to 29.99% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
With the Hilton Honors American Express Card, you can earn thousands of Hilton Honors Bonus Points after meeting a manageable spending requirement within your first three months of membership. Coupled with that impressive welcome offer is the ability to earn 7X Hilton Honors Bonus Points per dollar spent on direct Hilton hotel and resort purchases, 5X points on eligible purchases at U.S. restaurants, supermarkets, and gas stations, and 3X points per dollar on all other eligible purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 70,000 Hilton Honors Bonus Points and a Free Night Reward after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad
- 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
- No Annual Fee
- Terms Apply
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You often rent rooms at Hilton properties when you travel and want to earn a huge welcome bonus in Hilton Honors Points after making eligible purchases within the first three months of being a card member
- You want to earn 7X Hilton Honors Bonus Points for direct Hilton purchases, 5X points on select travel purchases, and 3X points on all other eligible purchases
- You do not want to pay annual fees or foreign transaction fees with their hotel rewards card
- You want complimentary Hilton Honors Silver status
Marriott Bonvoy Bevyâ„¢ American Express
Marriott Bonvoy Bevyâ„¢ American Express
Marriott Bonvoy Bevyâ„¢ American Express
- 20.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Marriott Bonvoy Bevyâ„¢ American Express Credit Card earns big rewards but has a hefty price tag. The card earns up to 18.5X on Marriott stays 4X on US dining and groceries, and 2X on everything else but charges a $250 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 125,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Plus, earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24. Offer ends 8/9/2023.
- Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
- Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
- Earn 2X points on all other eligible purchases.
- 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
- With complimentary Gold Elites status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
- Marriott Bonvoy Bevy Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a participating hotel. Certain hotels have resort fees.
- 15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card® you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
- Plan It® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
- $250 Annual Fee.
- Terms apply.
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You plan to stay at Marriott properties often
- You spend heavily on groceries and U.S. dining purchases
- You don't want to pay foreign transaction fees
- You already have another Amex credit card or prefer the Amex payment network
U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Go Visa Signature® Card
- 18.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The U.S. Bank Altitude Go Visa Signature is an enticing rewards card geared towards those who like to eat out, fill up, or dine-in while binging their favorite shows. The card comes with a competitive selection of features – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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(R), 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
- No Annual Fee
- Points never expire
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPayâ„¢ Plan
- Terms and conditions apply
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 18.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 18.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You frequently use your credit card on dining purchases
- You're a cord–cutter looking to earn rewards for streaming subscriptions
- You plan on making at least $1,000 in purchases within the first 90 days of opening an account
- You do't want to pay an annual fee
- You want no foreign transaction fees when using your card abroad
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