Best No Foreign Transaction Fee Credit Cards

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Best Benefits

Earn up to 2% cash back on select purchases
Earn 1% cash back on all other purchases
Cell phone protection included
No annual fee
No foreign transaction fees

Rates & Fees

Regular Purchase APR: 10.24% variable based on the Prime Rate
Return Payment Penalty Fee: Up to $30
Minimum Deposit Required: $10

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Zions Bank Vivid Rewards Visa® Credit Card

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Regular Purchase APR 12.25% to 24.25% variable based on the Prime Rate
Balance Transfer APR 12.25% to 24.25% variable based on the Prime Rate
Cash Advance APR 21.25% to 25.25% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

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Terms & Conditions

Date Reviewed: November 18, 2021

Best Benefits

Earn 3 points per $1 spent on dining, entertainment, transit, and digital services
Earn 1 point per $1 spent on all other eligible purchases
No annual fee or foreign transaction fee
0% intro APR on purchases (for 6 months) and balance transfers (for 12 months)

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 12.25% to 24.25% variable based on the Prime Rate
Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
Balance Transfer APR: 12.25% to 24.25% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 21.25% to 25.25% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Late Payment Penalty Fee: Up to $35
Return Payment Penalty Fee: Up to $30

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Zions Bank Clarity Visa® Credit Card

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Regular Purchase APR 9.75% to 18.75% variable based on the Prime Rate
Balance Transfer APR 9.75% to 24.25% variable based on the Prime Rate
Cash Advance APR 21.25% to 25.25% variable based on the Prime Rate
Annual Fee None
Credit Needed Fair , Poor
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

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Terms & Conditions

Date Reviewed: November 18, 2021

Best Benefits

Enjoy one of Zions Bank's lowest rates available
No annual fee, foreign transaction fee, nor late fee
0% intro APR on purchases (for 6 months) and balance transfers (for 15 months)
Cell phone protection and contactless-enabled technology available

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 9.75% to 18.75% variable based on the Prime Rate
Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days from account opening date
Balance Transfer APR: 9.75% to 24.25% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 21.25% to 25.25% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater

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Best Benefits

Earn 3X points per $1 on travel purchases, 2X on dining, and 1X on all other eligible purchases
Receive up to $100 annual travel experience statement credit for items such as ground transportation, streaming services, and ticket agencies
Get up to a $100 statement credit for TSA Pre-Check® or Global Entry® – awarded once every four years
Unlimited rewards earning
Contactless payments and mobile wallets for faster checkout

Rates & Fees

Regular Purchase APR: 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 22.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Annual Fee: $195
Late Payment Penalty Fee: Up to $40

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Best Benefits

No annual fee
No foreign transaction fees
Earn 3% cash back on travel purchases and 2% back on dining

Rates & Fees

Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Late Payment Penalty Fee: Up to $25
Return Payment Penalty Fee: Up to $37

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Best Benefits

Earn 4X points on dining and takeout
Earn 2X points on groceries, gas, and streaming services
Earn 1X points on all other purchases
No annual fee
No foreign transaction fees

Rates & Fees

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 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance APR: 25.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40
Minimum Deposit Required: $300

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Best Benefits

No annual fee
No foreign transaction fees
Earn 3% cash back on travel purchases and 2% back on dining

Rates & Fees

Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Late Payment Penalty Fee: Up to $25
Return Payment Penalty Fee: Up to $37

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Laurel Road Student Loan Cashback℠ Card

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Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR 23.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Processing Network Mastercard

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Terms & Conditions

Date Reviewed: July 19, 2021

Best Benefits

No annual fee
0% introductory APR for the first 12 months on balance transfers
2% cash back on all purchases when applying rewards to student loans
No foreign transaction fees

Rates & Fees

Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
Cash Advance APR: 23.99% 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 $39

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Alaska USA Visa Credit Card

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Regular Purchase APR 10.5%, 12.5%, or 14.5% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 10.5%, 12.5%, or 14.5% variable based on creditworthiness and the Prime Rate
Cash Advance APR 10.5%, 12.5%, or 14.5% variable based on creditworthiness and the Prime Rate
Annual Fee $50
Credit Needed Excellent , Good
Processing Network N/A

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Terms & Conditions

Date Reviewed: November 05, 2021

Best Benefits

No foreign transaction fee
The same APR for all transactions
Annual fee waived if you have an Alaska USA Federal Credit Union checking account
Earn points on your purchases

Rates & Fees

Regular Purchase APR: 10.5%, 12.5%, or 14.5% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 10.5%, 12.5%, or 14.5% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 10.5%, 12.5%, or 14.5% variable based on creditworthiness and the Prime Rate
Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
Annual Fee: $50
Late Payment Penalty Fee: Up to $35
Return Payment Penalty Fee: Up to $20

Best Benefits

Earn 3X points on travel and dining
Earn 2X points on all other expenses
Get a $250 flexible travel credit
Receive complimentary lounge access
No foreign transaction fees

Rates & Fees

Regular Purchase APR: 14.24% to 24.24% variable based on the Prime Rate
Intro Balance Transfer APR: 0% for 6 months on transfers made within 90 days from account opening date
Balance Transfer APR: 14.24% to 24.24% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transaction, whichever is greater
Cash Advance APR: 23.24% to 24.24% 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: $450
Late Payment Penalty Fee: Up to $35
Return Payment Penalty Fee: Up to $35

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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: Luxury

Mastercard® Gold Card™

Made With 24K GOLD®

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

Terms & Conditions

Best for: Students

Deserve EDU Mastercard

No Deposit Required & No Annual Fees

eceive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles
Feel secure with cell phone protection up to $600
Zero Fraud Liability

☆ 1% Cash Back on Purchases

☆ No Foreign Transaction fees

☆ Pay w/ Apple Pay™ or Google Pay™

☆ 24/7 Mobile App Access

Terms & Conditions

Best for: Low Rate

Upgrade Visa® Card with Cash Rewards

Earn Unlimited Cash Back

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

Terms & Conditions

Explore the Best No Foreign Transaction Fee Credit Cards