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My Cadillac Rewards Card
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.*
- Regular Purchase APR 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- Annual Fee None*
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Intro Balance Transfer APR: N/A*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Annual Fee: None*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 4% cash back
+ 2.4% cash back
+ 1.2% cash back
+ 2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
My Buick Rewards Card
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.*
- Regular Purchase APR 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- Annual Fee None*
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Intro Balance Transfer APR: N/A*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Penalty APR: NONE
- Annual Fee: None*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 2% cash back
+ 4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 0.8% cash back
My Chevy Rewards Card
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.*
- Regular Purchase APR 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- Annual Fee None*
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Intro Balance Transfer APR: N/A*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Penalty APR: NONE
- Annual Fee: None*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 1.2% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2% cash back
+ 4% cash back
+ 2.4% cash back
+ 0.8% cash back
My GMC Rewards Card
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.*
- Regular Purchase APR 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- Annual Fee None*
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Intro Balance Transfer APR: N/A*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Penalty APR: NONE
- Annual Fee: None*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 0.8% cash back
+ 4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 2% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2.4% cash back
Simon® American Express® Credit Card
Shop More. Earn More
- Regular Purchase APR 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network American Express
- No annual fee
- No foreign transaction fees
- Earn 5% at participating merchants
- Earn 3% with retailers at any Simon Mall, Mills, or Premium Outlet in the U.S.
- Earn 1.5% on Simon gift cards and mobile wallet purchases
- Earn 1% on all your other card purchases
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Penalty APR: 29.99%
+ 4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2% cash back
+ 2.4% cash back
+ 1.2% cash back
My GM Rewards Card™
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.*
- Regular Purchase APR 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- Annual Fee None*
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Intro Balance Transfer APR: N/A*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Penalty APR: NONE
- Annual Fee: None*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 0.8% cash back
+ 2.4% cash back
+ 4% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 2% cash back
Bilt Mastercard
Finally. A Card that Earns Points on Rent & More
- Regular Purchase APR See Terms
- Balance Transfer APR See Terms
- Cash Advance APR See Terms
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- 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: See Terms
- Balance Transfer APR: See Terms
- 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: See Terms
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
+ 1.2% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2% cash back
+ 0.8% cash back
Costco Anywhere Visa® Card by Citi
Earn up to 4% Cash Back
- Regular Purchase APR 19.49% (Variable)
- Balance Transfer APR 19.49% (Variable)
- Cash Advance APR 29.49% (Variable)
- Annual Fee $0 with Costco Membership
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Processing Network Visa
- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- Regular Purchase APR: 19.49% (Variable)
- Balance Transfer APR: 19.49% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.49% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% variable based on your creditworthiness and the Prime Rate
- Annual Fee: $0 with Costco Membership
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
+ 2.4% cash back
+ 4% cash back
+ 2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 1.2% cash back
GM Business Card™
Get 5% in Earnings on purchases of eligible GM parts, accessories and service at authorized GM dealers, 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on all other purchases.*
- Regular Purchase APR 18.24% to 28.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- Annual Fee $0*
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- Get the business card that turns purchases into Earnings. Redeem Earnings towards a new GM vehicle and no annual fee.*
- Get $750 in Bonus Earnings towards the purchase or lease of eligible, new GM vehicles after you spend $5,000 on purchases in your first 5 months from account opening.*
- 0% Intro APR on purchases for the first 12 months, variable of 18.24% to 28.24% APR after.*
- 5% in Earnings on GM dealership parts, accessories or service purchases.*
- 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on purchases everywhere else.*
- No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 18.24% to 28.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Annual Fee: $0*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 2% cash back
+ 4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
Amtrak Guest Rewards® Preferred Mastercard®
30,000 Bonus Points
- Regular Purchase APR 25.99% variable based on the Prime Rate
- Balance Transfer APR 25.99% variable based on the Prime Rate
- Cash Advance APR 28.24% variable based on the Prime Rate
- Annual Fee $99
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Earn 3 points per $1 spent* on Amtrak travel, including onboard purchases
- Earn 2 points per $1 spent* on dining, travel, transit and rideshare
- 1 point per $1 spent* everywhere else
- Amtrak benefits, including station lounge passes, one-class upgrade certificates, and more
- Regular Purchase APR: 25.99% variable based on the Prime Rate
- Balance Transfer APR: 25.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $99
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $35
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 4% cash back
+ 0.8% cash back
+ 2.4% cash back
You've viewed 10 of 141 credit cards
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What Is a Foreign Transaction Fee?
While planning an international trip, one of the most important aspects to consider is how you plan to pay for meals, souvenirs, local activities, and other travel purchases. While some merchants overseas may accept U.S. dollars, many more do not. This means you’ll need a way to exchange USD for the equivalent in local currency.
One way to do this is to convert your cash, which takes time and can get quite expensive depending on where you go. The other option is to pay with your credit card, which can handle this conversion for you with the help of your credit card payment network. This is usually the way to get the lowest conversion rate, as these networks tend to stick close to the market rates.
However, even this convenience can come at a price depending on the credit card you have. If your card charges an international transaction fee, it may cancel out any of those savings.
How Much Are Foreign Transaction fees?
Since this fee doesn’t apply to all credit cards across the board, the exact percentage can vary by issuer. All the major networks, including American Express, Discover, Visa, and Mastercard offer cards with and without foreign transaction fees. In general, the fee for most cards to be either 2% or 3%, though smaller issuers may only charge 1%.
Why Does My Credit Card List Two Foreign Transaction Fees?
As previously pointed out, issuers may charge foreign transaction fees whether you pay in U.S. dollars or a foreign currency. This is because they’re charged separately from currency conversion fees. As a result, your terms and conditions may list two foreign transaction fees that look something like this:
- X% of the transaction amount in U.S. dollars
- X% of the transaction amount in a foreign currency
Alternately, some cards charge the same fee regardless of which currency the purchase is made in. Still more may wait to charge the fee until after making the conversion to USD.
How to Avoid Foreign Transaction Fees
The only way to completely avoid foreign transaction fees is with a credit card that doesn’t charge any. Paying with cash works too, but any savings will likely be eaten up by the higher currency conversion rates. While the vast majority of credit cards do come with these fees, it’s possible to find some that don’t. In fact, a few of the best travel credit cards include this as one of their many features, along with travel credits and rewards.
So what does no foreign transaction fees mean? Basically, you can use your card the way you normally would, without this added cost. If you need cash and decide to take out an advance at an ATM, you can expect the same fees and interest you normally would. You will also still pay the currency conversion rate when the credit payment network processes the purchase.
What Are the Best Credit Cards with No Foreign Transaction Fees?
There are plenty of excellent credit cards with no foreign transaction fees. These options include major names in the travel card space like the Platinum Card from American Express, the Amex Gold Card, the Chase Sapphire Reserve, the Citi Prestige, and more.
Here are some of the best no foreign transaction fee credit card card offers from our partners:
Best for: Enjoying high-end benefits and luxury perks
Mastercard® Gold Card™
-
2% value for airfare redemptions with no blackout dates or seat restrictions.
-
2% value for cash back redemptions
-
$995 annual fee
☆ 22 Gram Gold-Plated Card Design
☆ $200 Airline Credit Each Year
☆ Priority Pass™ Select
☆ 24/7 Luxury Concierge Access
Best for: Shopping with a low interest rate
Upgrade Cash Rewards Visa®
-
Unlimited 1.5% cash abck on all purchases
-
No fees of any kind!
☆ $0 Annual Fee, $0 Maintenance Fees
☆ Quick Online Pre-Approval
☆ Exceptionally Low APR
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