credit card image Advertiser Disclosure Editorial Disclosure

Explore the Best No Foreign Transaction Fee Credit Cards

No foreign transaction fee credit cards let you travel the world while using your credit card freely. Find the best no foreign transaction fee credit card by reading through BestCards.com’s reviews. Our selection of offers below will give you several options to compare.

Sort By Column Name:

Total Cards 40

August 15, 2018

Wells Fargo Propel American Express® card

Earn 30,000 Bonus Points

Wells Fargo Propel American Express® card
  • Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening
  • Processing Network American Express
Best Benefits
  • Earn 3X points on dining, travel, gas stations, and streaming services
  • Earn 1 rewards point per U.S. dollar spent on other purchases
  • Rewards points earning is unlimited and points do not expire as long as your account remains open
  • Enjoy cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo credit card
  • Receive complimentary discounts or food and beverage items at participating restaurants
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening
  • Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on qualifying transfers made within 120 days from account opening
  • Balance Transfer APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Introductory $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 transfer, with a minimum of $5
  • Cash Advance APR: 25.49% to 27.49% variable based on creditworthiness and 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 $37
  • Return Payment Penalty Fee: Up to $37

August 16, 2018

HSBC Gold Mastercard® Credit Card

0% Intro APR for 18 Months

HSBC Gold Mastercard® Credit Card
  • Regular Purchase APR 12.49%, 16.49%, or 20.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 12.49%, 16.49%, or 20.49% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for the first 18 months from account opening
  • Processing Network Mastercard
Best Benefits
  • Take advantage of 0% introductory APR for the first 18 months as a cardmember
  • Travel prepared and with peace of mind thanks to MasterAssist® pre-planning and Master RoadAssist® Roadside Services
  • Extended Warranty and Purchase Assurance® means you can shop with confidence
  • Price protection refunds the difference if you see an item advertised for less within 60 days of purchase.
Rates & Fees
  • Intro Purchase APR: 0% for the first 18 months from account opening
  • Regular Purchase APR: 12.49%, 16.49%, or 20.49% variable based on creditworthiness and Prime Rate
  • Intro Balance Transfer APR: 0% for the first 18 months on transfers that post within 60 days from account opening
  • Balance Transfer APR: 12.49%, 16.49%, or 20.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $25

August 16, 2018

HSBC Premier World Mastercard® Credit Card

Earn 35,000 Rewards Program Bonus Points

HSBC Premier World Mastercard® Credit Card
  • Regular Purchase APR 16.49 or 20.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 16.49 or 20.49% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee None for qualified Premier clients. For all others, $95. $95 fee waived for first year
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn 2X points per dollar spent on travel purchases
  • Earn 1X point per dollar spent on all other purchases
  • Enjoy Uber and Lyft statement credits as well as a credit for TSA Prev®
  • Earn 35,000 Rewards Program Bonus Points (worth at least $400 in air travel) after spending $3,000 in the first 3 months from account opening
Rates & Fees
  • Regular Purchase APR: 16.49 or 20.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR: 16.49 or 20.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each transaction, whichever is greater
  • Penalty APR: 31.74% variable based on the Prime Rate
  • Annual Fee: None for qualified Premier clients. For all others, $95. $95 fee waived for first year
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $25

August 27, 2018

Bank of America® Premium Rewards® Credit Card

50,000 Bonus Points ($500 Value) + Unlimited Rewards Earning

Bank of America® Premium Rewards® Credit Card
  • Regular Purchase APR 17.49% to 24.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 17.49% to 24.49% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 20.49% to 26.49
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening
  • 2X points per dollar spent on travel and dining purchases
  • 1.5X points per dollar spent on all other purchases
  • $100 Airport Security Statement Credit towards TSA Pre? ® or Global Entry Application fee, every four years
  • Annual $100 statement credit for airline incidentals
  • No blackout dates
  • No foreign transaction fee
Rates & Fees
  • Regular Purchase APR: 17.49% to 24.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR: 17.49% to 24.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 20.49% to 26.49
  • 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 creditworthiness the Prime Rate
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $28

August 27, 2018

BankAmericard® Secured Credit Card

Refundable Security Deposit, $300 Minimum

BankAmericard® Secured Credit Card
  • Regular Purchase APR 24.49% variable based on the Prime Rate
  • Balance Transfer APR 24.49% variable based on the Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Requires minimum $300 deposit (refundable)
  • Free access to monthly updated FICO® Score
  • Digital wallet compatible
  • No annual fee
  • Overdraft protection
Rates & Fees
  • Regular Purchase APR: 24.49% variable based on the Prime Rate
  • Balance Transfer APR: 24.49% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction
  • Cash Advance APR: 26.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $28
  • Minimum Deposit Required: $300
  • Credit Needed: $300

August 27, 2018

Chase Sapphire Reserve®

Earn 50,000 Bonus Points ($750 Value)

Chase Sapphire Reserve®
  • Regular Purchase APR 18.49% to 25.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 18.49% to 25.49% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee $550; $75 per authorized user
  • Credit Needed Excellent
  • Processing Network Visa
Best Benefits
  • Earn 3X points per dollar spent on dining and travel purchases worldwide. Earn 1 point per dollar spent on all other purchases
  • 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
  • Get a $300 annual travel credit as reimbursement for travel purchases charged to your card
  • Complimentary Priority Pass™ Select membership
  • Get 50% more from your points when you redeem them for travel through Chase Ultimate Rewards
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 18.49% to 25.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR: 18.49% to 25.49% 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: 26.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Annual Fee: $550; $75 per authorized user
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39

August 28, 2018

Ink Business Preferred Credit Card

Earn 80,000 Bonus Points

Ink Business Preferred Credit Card
  • Regular Purchase APR 17.49% to 22.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 17.49% to 22.49% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 3X points per dollar on travel, shipping purchases, Internet, cable and phone services, and more (up to $150,000 per year)
  • 1X points per dollar spent on all other purchases
  • Earn 80,000 bonus points after spending $5,000 in the first 3 months
  • Redeem points through Chase Ultimate Rewards for an added 25% in value
  • No additional cost for issuing employee cards
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 17.49% to 22.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR: 17.49% to 22.49% 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: 26.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 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: $95
  • Late Payment Penalty Fee: $39
  • Return Payment Penalty Fee: $39

August 29, 2018

USAA Military Affiliate American Express® Card

0% APR for 12 Months on Balance Transfers

USAA Military Affiliate American Express® Card
  • Regular Purchase APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network American Express
Best Benefits
  • 2,500 bonus points credited to your account with your first purchase
  • Collision damage waiver coverage pays for physical damage and theft to most rental vehicles
  • Identity theft resolutions services provides assistance should you become the victim of identity theft
  • Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year
Rates & Fees
  • Regular Purchase APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 12 months from account opening
  • Balance Transfer APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer (maximum fee per transfer $200)
  • Cash Advance APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 3% of the amount of each cash advance (maximum fee for each convenience check: $200). Fee waived when transferring funds electronically to a USAA deposit account
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

August 29, 2018

Capital One® Platinum Credit Card

Receive a Higher Credit Limit After 5 On-Time Payments

Capital One® Platinum Credit Card
  • Regular Purchase APR 25.74% variable based on the Prime Rate
  • Balance Transfer APR 25.74% variable based on the Prime Rate
  • Cash Advance APR 25.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One®
  • No annual fee and $0 fraud liability coverage if your card is ever lost or stolen
  • Rent a car with your credit card and you can be covered for the damage due to collision or theft
Rates & Fees
  • Regular Purchase APR: 25.74% variable based on the Prime Rate
  • Balance Transfer APR: 25.74% variable based on the Prime Rate
  • Cash Advance APR: 25.74% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $39

August 30, 2018

Southwest Rapid Rewards® Premier Credit Card

Earn 40,000 Bonus Points

Southwest Rapid Rewards® Premier Credit Card
  • Regular Purchase APR 17.49% to 24.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 17.49% to 24.49% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee $99
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 2X points per dollar spent on Southwest Airlines® purchases
  • 1X point per dollar spent on all other purchases
  • 6,000 bonus point reward after each cardmember anniversary
  • Earn 40,000 bonus points when you spend $1,000 in the first 3 months
  • No foreign transaction fees
  • No change fees
Rates & Fees
  • Regular Purchase APR: 17.49% to 24.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR: 17.49% to 24.49% 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: 26.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Annual Fee: $99
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39

Add cards to start comparing.

  

 

 

Using Your Credit Card Abroad 

While planning an international trip, one of the most important aspects to consider is how you plan to pay for meals, souvenirs, and local activitiesWhile 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 currencyOne 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 networkThis 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 a foreign transaction fee, it may cancel out any of those savings.   

What is a foreign transaction fee? 

Entirely separate from conversion rates, many credit card issuers charge a fee just for using the card with a foreign merchant. This is known as a foreign transaction fee, and it applies to each purchase whether you visit the merchant while abroad or complete the transaction online. Note that it also doesn’t matter whether you pay in U.S. dollars or a foreign currency – this fee is based on the location of the merchant.  

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 many only charge 1%. 

Why Does MCredit 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 nforeign 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 Credit Cards Have No Transaction Fees? 

You can find out if a card charges this fee and what the amount is by checking the card’s Schumer box before you apply. Since the lack of foreign transaction fees looks the same on pretty much every card, you’ll have to compare the cards’ other features to decide which one is best.  

Most credit cards with no foreign transaction fees are also travel rewards cards. This means issuers tend to approve applicants with credit scores ranging from good to excellent. 

Be on the lookout for features like Global Entry or TSA PreCheck credits, travel rewards, and lounge access. With this in mind, some of the best no foreign transaction fee credit cards include the following: 

  • Avianca Vuela Visa® CardBoth new and long-time Avianca and other Star Alliance flyers can appreciate this rewards-packed card. On top of no foreign transaction fees, the Avianca Vuela offers a huge rewards bonus just for your first use. You’ll earn up to 3X rewards with Avianca and 2X on gas and groceries – not to mention extra discounts on flights to Central America and Colombia.  
  • Chase Sapphire Preferred® Card: If you want points for dining at restaurants worldwide, the Sapphire Preferred is a fan favorite. The card offers 2X points across the board on dining, airfare, and hotel stays, with no pesky feesPlus, Chase offers a massive rewards bonus when you meet the spending requirement (worth several hundred dollars when redeemed).  
  • Capital One® Venture® Rewards Credit CardThe Venture Rewards card is unique in that you’ll never earn less than 2 points on purchases. It also comes with a travel credit to put toward TSA PreCheck or Global Entry, along with no fees for foreign transactionsThis one offers its own big bonus and waives the annual fee for the first year as well.  
  • Wells Fargo Propel American Express CardThe Propel offers 3X points in many of the same categories as the other cards on this list, with the addition of streaming services. If you pay your cell phone bill with this card, you also get protection against damage and theft.  This is one of the few no foreign transaction fee cards that forgoes the annual fee as well. 

Find the Best Cards for Travelling Abroad 

If you need help finding credit cards without foreign transaction fees, the team at BestCards is here to help. To boost your general credit card knowledge and confidence, you can browse our treasure trove of news, tips, and advice. When you’re ready to start comparing cards, we’ve crafted hundreds of reviews to give you unbiased insight. Find your best card today!