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Explore the Best 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 from our partners below will give you several options to compare.

  • Regular Purchase APR 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 2% above variable APR; 12.49% to 20% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • 3X points at restaurants
  • 2X points on gas
  • 1X point on everything else
  • No annual fee
Rates & Fees
  •  Regular Purchase APR: 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 2% above variable APR; 12.49% to 20% variable based on creditworthiness and the Prime Rate
  •  Penalty APR: 18%
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $20
  •  Return Payment Penalty Fee: Up to $20
  •  Credit Needed: Excellent , Good , Fair

  • Regular Purchase APR 11.15% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.15% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 2% above variable APR; 13.15% to 20% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • Earn 1.5% cash back on purchases
  • Get $250 Bonus Cash
  • No annual fee or foreign transaction fees
  • No balance transfer fee or cash advance fees
  • No rewards limit, no rewards expiration
Rates & Fees
  •  Regular Purchase APR: 11.15% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 11.15% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 2% above variable APR; 13.15% to 20% variable based on creditworthiness and the Prime Rate
  •  Penalty APR: 18.00%
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $250
  •  Return Payment Penalty Fee: Up to $20
  •  Credit Needed: Excellent , Good , Fair

USAA
  • 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
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $35
  •  Credit Needed: Good

  • Regular Purchase APR 12.49% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.49% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee $75
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee for the first year
  • Earn 3x points on travel purchases and 2x points on dining
  • No fees on foreign transactions, cash advances, and balance transfers
  • 0% intro APR for 12 months on balance transfers
Rates & Fees
  •  Regular Purchase APR: 12.49% to 18% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 12 months from account opening date
  •  Balance Transfer APR: 11.49% to 18% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 12.49% to 18% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: $75
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 12.49%, 16.49%, or 20.49% variable based on creditworthiness and Prime Rate
  • Intro Purchase APR 0% for the first 18 months from account opening
  • 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
  • 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
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $37
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 13.74% variable based on the Prime Rate
  • Intro Purchase APR 0% for the first 12 months from account opening date
  • Balance Transfer APR 13.74% variable based on the Prime Rate
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 3% cash back on dining and at coffee shops
  • 1.5% cash back on all purchases
  • Unlimited earning
  • No foreign transaction fees
Rates & Fees
  •  Intro Purchase APR: 0% for the first 12 months from account opening date
  •  Regular Purchase APR: 13.74% variable based on the Prime Rate
  •  Intro Balance Transfer APR: 0% for the first 12 months from account opening date
  •  Balance Transfer APR: 13.74% variable based on the Prime Rate
  •  Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each Balance Transfer, whichever is greater
  •  Cash Advance APR: 26.74% 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: 28.74%
  •  Annual Fee: $95
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 14.49%, 18.49%, or 24.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for 12 months from account opening date
  • Balance Transfer APR 14.49%, 18.49%, or 24.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Special introductory offer: Earn 3% cash back on all purchases made in the first 12 months from account opening, up to the first $10,000 in purchases
  • Unlimited 1.5% cash back earning on all purchases
  • 10% bonus on all cash rewards earned each account anniversary, 0% Intro APR on purchases and balance transfers for first 12 months account is open
  • No annual fee and no foreign transaction fees
Rates & Fees
  •  Intro Purchase APR: 0% for 12 months from account opening date
  •  Regular Purchase APR: 14.49%, 18.49%, or 24.49% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 12 months on transfers made within the first 60 days of account opening date
  •  Balance Transfer APR: 14.49%, 18.49%, or 24.49% variable based on creditworthiness and the 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
  •  Penalty APR: 31.74% variable based on the Prime Rate
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $37
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 14.49%, 18.49%, or 24.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for the first 12 months from account opening
  • Balance Transfer APR 14.49%, 18.49%, or 24.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Special introductory offer: Earn 3x rewards points on all purchases made in the first 12 months from account opening, up to the first $10,000 in purchases
  • Earn 1 Rewards Program Point for every dollar spent on all purchases
  • Redeem accumulated rewards for merchandise or gift cards from thousands of retailers
  • No annual or foreign transaction fees, 0% APR for 12 months on purchases and balance transfers
Rates & Fees
  •  Intro Purchase APR: 0% for the first 12 months from account opening
  •  Regular Purchase APR: 14.49%, 18.49%, or 24.49% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for the first 12 months on transfers posted within the first 60 days of account opening
  •  Balance Transfer APR: 14.49%, 18.49%, or 24.49% variable based on creditworthiness and the 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
  •  Penalty APR: 31.74% variable based on the Prime Rate
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $37
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 14.74% to 18.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.74% to 18.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.74% variable based on the Prime Rate
  • Annual Fee $0 for the first year. After that, $125
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 3X points in category of your choice with BBVA Build Your Own Rewards®
  • 2X points in two categoies of your choice
  • Earn 1,000 bonus points each month for purchases of $5,000 or more
  • Earn $100 account credit after spending $20,000 within one year of opening account
  • Annual fee is waived the first year
  • No foreign transaction fees
Rates & Fees
  •  Regular Purchase APR: 14.74% to 18.74% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 14.74% to 18.74% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  •  Cash Advance APR: 23.74% 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: $0 for the first year. After that, $125
  •  Late Payment Penalty Fee: Up to $37
  •  Return Payment Penalty Fee: Up to $27
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 14.74% to 23.74% variable based creditworthiness and the Prime Rate
  • Balance Transfer APR 14.74% to 23.74% variable based creditworthiness and the Prime Rate
  • Cash Advance APR 23.74% variable based on the Prime Rate
  • Annual Fee $0 for the first 12 months, and $89 afterwards
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 2X miles on air/hotel/car rentals and 1X miles on all other qualifying purchases (unlimited miles available)
  • Earn 20,000 bonus miles when you spend $2,000 in the first 90 days ($200 value), get an $85 credit for TSA PreCheck or Global Entry
  • No annual fee for the first year, and $89 thereafter
  • No foreign transaction fee
Rates & Fees
  •  Regular Purchase APR: 14.74% to 23.74% variable based creditworthiness and the Prime Rate
  •  Balance Transfer APR: 14.74% to 23.74% variable based creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each balance transfer, whichever is greater
  •  Cash Advance APR: 23.74% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  •  Annual Fee: $0 for the first 12 months, and $89 afterwards
  •  Late Payment Penalty Fee: Up to $38
  •  Credit Needed: Excellent , Good

BOK
  • Regular Purchase APR 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee $0 for the first 12 months. After that $99
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • No foreign transaction fee
  • Earn 4x points on restaurant purchases and 3x points on airline purchases
  • 10,000 bonus points when you spend $1,00 in the first 3 months
  • No annual fee for the first year
Rates & Fees
  •  Regular Purchase APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: Either $5 or 3% of the transfer amount, whichever is greater
  •  Cash Advance APR: 25.49% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 4% of the cash advance amount, whichever is greater
  •  Annual Fee: $0 for the first 12 months. After that $99
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: $35
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for the first 15 months from date of account opening
  • Balance Transfer APR 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Processing Network Mastercard
Best Benefits
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases
  • Earn a one-time $150 cash bonus when you spend $500 within the first 3 months from account opening
  • 0% intro APR on purchases and balance transfers for the first 15 months after account opening
  • No annual fee
Rates & Fees
  •  Intro Purchase APR: 0% for the first 15 months from date of account opening
  •  Regular Purchase APR: 15.49% to 25.49% 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: 15.49% to 25.49% 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: 25.49% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $39
  •  Credit Needed: Excellent

Wells
  • Regular Purchase APR 15.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for 12 months from account opening
  • Balance Transfer APR 15.49% to 27.49% 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
  • 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: 15.49% to 27.49% 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: 15.49% to 27.49% 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
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $37
  •  Return Payment Penalty Fee: Up to $37
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 15.49%, 20.49% or 25.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.49%, 20.49% or 25.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 2X points on Holland America purchases
  • 1X points on all other purchases
  • No foreign transaction fees
  • No annual fee
  • Redeem for onboard amenities or statement credit
Rates & Fees
  •  Regular Purchase APR: 15.49%, 20.49% or 25.49% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 15 months on transfers made within 45 days from account opening date
  •  Balance Transfer APR: 15.49%, 20.49% or 25.49% 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: 26.74% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Credit Needed: Excellent , Good

Bank
  • Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.74% variable based on the Prime Rate
  • Annual Fee $0 for the first 12 months. After that, $99
  • Credit Needed Good
  • Processing Network American Express
Best Benefits
  • 4 points per $1 spent on eligible net restaurant purchases, 3 points per $1 spent on eligible net airline purchases, 2 points for every $1 spent on eligible net gas station purchases, and 1 point for every $1 spent on all other eligible net purchases
  • 10,000 bonus rewards points after you spend $1,000 in the first 3 months (worth $100 Cash Back)
  • No caps or limits on the points you can earn, plus you have five years to redeem points for rewards
  • No foreign transaction fees
Rates & Fees
  •  Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 15.74% to 24.74% 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: 25.74% 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: $0 for the first 12 months. After that, $99
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $35
  •  Credit Needed: Good

  • 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
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 16.49% or 20.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for the first 12 months from account opening
  • Balance Transfer APR 16.49% or 20.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee $0 during first year & for qualified Advance or Premier account clients; $45 for all others
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 0% intro APR for the first 12 months
  • Earn 2X points per dollar spent on dining and select entertainment purchases. Earn 1X point on all other purchases
  • Redeem points for gift cards, merchandise, cash back, or even travel booking; No annual or foreign transaction fees
  • Earn an introductory 3x points on dining and select entertainment purchases and 2x points on all other purchases for the first 12 months from account opening, up to the first $25,000 in purchases
Rates & Fees
  •  Intro Purchase APR: 0% for the first 12 months from account opening
  •  Regular Purchase APR: 16.49% or 20.49% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for the first 12 months on transfers posted within the first 60 days from account opening
  •  Balance Transfer APR: 16.49% or 20.49% 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: 26.49% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
  •  Penalty APR: 31.74% variable based on the Prime Rate
  •  Annual Fee: $0 during first year & for qualified Advance or Premier account clients; $45 for all others
  •  Late Payment Penalty Fee: Up to $37
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 16.49% or 20.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 16.49% or 20.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee $395; $65 per authorized user
  • Credit Needed Excellent
  • Processing Network Mastercard
Best Benefits
  • Earn 3X points per dollar spent on new travel purchases, 2X points on dining, and 1X point on everything else
  • Points earning is unlimited and points do not expire; earn statement credits for Uber, Lyft, and TSA Prev® enrollment
  • Earn 50,000 Rewards Program Bonus Points - worth $750 in airfare - when you spend $4,000 in the first 3 months of account opening using HSBC Rewards online to book
  • Rewards Program Points are transferable with partner airlines; Complimentary ShopRunner membership
Rates & Fees
  •  Regular Purchase APR: 16.49% or 20.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 16.49% or 20.49% 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: 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: $395; $65 per authorized user
  •  Late Payment Penalty Fee: Up to $37
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent

  • Regular Purchase APR 16.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 16.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 19.49% to 26.494% variable based on creditworthiness and the Prime Rate
  • Annual Fee $0 for first year; $75 after that
  • Credit Needed Excellent
  • Processing Network Mastercard
Best Benefits
  • 3X points on Sonesta purchases
  • 2X points on airfare, car rentals, and dining
  • 1X points on all other purchases
  • Automatic Sonesta Travel Pass Elite Member status
  • Earn 60,000 bonus points after spending $1,000 within 90 days
  • Earn additional 5,000 points after adding an authorized user within 90 days
  • Anniversary bonus of 30,000 points for spending $7,500 per year
Rates & Fees
  •  Regular Purchase APR: 16.49% to 24.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 16.49% to 24.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: $10 or 5% of the amount of each balance transfer, whichever is greater
  •  Cash Advance APR: 19.49% to 26.494% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: $10 or 3-5% of each cash advance, whichever is greater
  •  Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: $0 for first year; $75 after that
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $28
  •  Credit Needed: Excellent

Marriott
  • Regular Purchase APR 17.24% to 26.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 17.24% to 26.24% variable based on creditworthiness and the Prime Rate on transfers made within 60 days of account opening
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee $450
  • Credit Needed Excellent
  • Processing Network American Express
Best Benefits
  • 6X Marriott Bonvoy points on direct purchases at participating Marriott Bonvoy hotels
  • 3X points on purchases at U.S. restaurants and flights booked directly with airlines
  • 2X points on all other eligible purchases
  • Free Night Award each year on account anniversary
  • Complimentary Marriott Bonvoy Gold Elite status
  • Annual $300 statement for eligible purchases at participating Marriott Bonvoy hotels
  • Priority Pass Select membership
  • $100 statement credit for Global Entry or $85 credit for TSA Pre Check
Rates & Fees
  •  Regular Purchase APR: 17.24% to 26.24% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 17.24% to 26.24% variable based on creditworthiness and the Prime Rate on transfers made within 60 days of account opening
  •  Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  •  Cash Advance APR: 26.74% 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: Up to 29.99% variable based on the Prime Rate
  •  Annual Fee: $450
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Credit Needed: Excellent

  • 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
  •  Credit Needed: Excellent , Good

  • 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
  •  Credit Needed: Excellent , Good

  • 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 up to 75,000 bonus points when you spend $6,000 in the first 6 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
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 17.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 17.49% to 24.49% variable based on creditworthiness and the 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
  • Earn 2X points per dollar spent on Southwest Airlines® purchases and 1 point per dollar spent on all other purchases
  • 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open,
  • 6,000 bonus points rewarded after each cardmember anniversary
  • Additional employee cards at no cost
  • First two bags fly free
  • No change fees
Rates & Fees
  •  Regular Purchase APR: 17.49% to 24.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 17.49% to 24.49% 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: 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: $99
  •  Late Payment Penalty Fee: $39
  •  Return Payment Penalty Fee: $39
  •  Credit Needed: Excellent , Good
Best Benefits
  • No annual fee
  • No fees on foreign transactions or cash advances
  • Earn 1 rewards point for every $1 spent
  • Low APR
Rates & Fees
  •  Regular Purchase APR: 17.50%
  •  Cash Advance APR: 18%
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Minimum Deposit Required: $500
  •  Credit Needed: Poor , No Credit Required

  • Regular Purchase APR 17.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 17.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 75,000 Marriott Bonvoy points after you spend $3,000 within the first 3 months from opening an account
  • 6X Marriott Bonvoy points per $1 spent at participating Marriott Bonvoy hotels
  • 2X points per $1 spent on all other purchases
  • Get 1 Free Night Award every year after your account anniversary
  • Automatic Silver Elite Status
Rates & Fees
  •  Regular Purchase APR: 17.74% to 24.74% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 17.74% to 24.74% 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: 26.74% 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: $95
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Credit Needed: Excellent , Good

  • 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 $450; $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: $450; $75 per authorized user
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Credit Needed: Excellent

  • Regular Purchase APR 18.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 18.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee $495, $75 for each authorized user
  • Credit Needed Excellent
  • Processing Network Mastercard
Best Benefits
  • Earn 50,000 bonus points after spending $4,000 within 3 months of account opening, redeemable for $500 in travel, anytime, with no blackout dates when booked through the ThankYou Travel Center
  • Earn 5X points per $1 spent on air travel and restaurants
  • Earn 3X points per $1 spent on hotels and cruise lines
  • Earn 1X point per $1 spent on all other purchases
  • Enjoy a complimentary 4th night hotel stay and $250 annual travel credit
  • Transfer your points to partner airline loyalty programs
Rates & Fees
  •  Regular Purchase APR: 18.49% to 25.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 18.49% to 25.49% 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: 26.74% 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: Up to 29.99% variable based on the Prime Rate
  •  Annual Fee: $495, $75 for each authorized user
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Credit Needed: Excellent

  • 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
  •  Annual Fee: None
  •  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: Poor , No Credit Required

  • Regular Purchase APR 24.99% variable based on the Prime Rate
  • Balance Transfer APR 24.99% variable based on the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $0 to $39
  • Credit Needed Fair , Poor
  • Processing Network Mastercard
Best Benefits
  • No annual fee, no foreign transaction fees
  • Automatic credit line increase reviews
  • Zero Fraud Liability
  • Online and mobile access, 24/7 U.S. based customer service
Rates & Fees
  •  Regular Purchase APR: 24.99% variable based on the Prime Rate
  •  Balance Transfer APR: 24.99% variable based on the Prime Rate
  •  Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each balance transfer, whichever is greater
  •  Cash Advance APR: 24.99% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  •  Annual Fee: $0 to $39
  •  Late Payment Penalty Fee: Up to $39
  •  Credit Needed: Fair , Poor

  • Regular Purchase APR 26.74% variable based on the Prime Rate
  • Balance Transfer APR 26.74% variable based on the Prime Rate
  • Cash Advance APR 26.74% 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: 26.74% variable based on the Prime Rate
  •  Balance Transfer APR: 26.74% variable based on the Prime Rate
  •  Cash Advance APR: 26.74% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $39
  •  Credit Needed: Good , Fair

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