Best Credit Cards with No Foreign Transaction Fee

BEST OVERALL

25,000 Bonus Points Offer Worth $250

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On Bank of America's secure site

Bank of America® Travel Rewards credit card

4.7

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

Recommended Credit Score

Excellent/Good (670 – 850*)

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On Bank of America's secure site

This card is a great option if you are looking for a straightforward travel card that comes with no annual fee, a welcome bonus, and a generous intro APR for purchases and balance transfers.

Rewards	1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
Bonus	25,000 points (worth $250) 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases
Annual Fee	$0
Intro & Ongoing APR	0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days Followed by a 20.24% – 28.24% Variable APR

If you prefer a $0 annual fee card that will help you earn points towards travel and dining purchases then this card is likely your top option. With the Bank of America® Travel Rewards credit card you will earn a straightforward, unlimited 1.5 points per $1 spent on all purchases and 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. You can also earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening. These bonus points can be redeemed for a $250 statement credit toward travel and dining purchases. Unlike most travel cards this option also offers a generous intro APR. It offers 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.

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On Bank of America's secure site

$0 annual fee
Flat-rate rewards keep things simple
No foreign transaction fees

Elevated points for certain purchase categories are limited
No additional travel perks offered

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On Bank of America's secure site

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
Contactless Cards – The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Updated September 25, 2025

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On Bank of America's secure site

LIMITED TIME OFFER

Bonus Worth $300 In Travel + No Annual Fee

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On Capital One's secure site

Capital One VentureOne Rewards Credit Card

4.8

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

Recommended Credit Score

Excellent, Good (670 – 850*)

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On Capital One's secure site

Rates and Fees

The Capital One VentureOne Rewards Credit Card offers straightforward benefits without an annual fee. There is an easy to earn bonus opportunity and a generous intro APR.

Rewards	Earn unlimited 1.25X miles on every purchase, every day. Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
Bonus	$300 For a limited time, earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening – that’s equal to $300 in travel
Annual Fee	$0
Intro & Ongoing APR	0% intro on purchases for 15 months 0% intro on balance transfers for 15 months Followed by a 19.24% – 29.24% (Variable)

There are a ton of options in the market today for travel rewards cards, but the Capital One VentureOne Rewards Credit Card is one you should seriously consider. You will earn rewards quickly with unlimited 1.25x miles per dollar on all purchases and 5x miles per dollar when you book your car rentals, vacation rentals and hotel stays through Capital One Travel. For a limited time, earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening – that’s equal to $300 in travel. While you’ll get the most out of your miles by redeeming them for travel, there are several other options to cash in your rewards making it an extremely flexible program and one of the best travel rewards programs out there with over 15 direct transfer partners. A 0% intro on purchases and balance transfers for 15 months, then 19.24% – 29.24% (Variable) APR will apply on this $0 annual fee card.

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On Capital One's secure site

No annual fee
Intro APR period on purchases and balance transfers
No foreign transaction fee

Lacks premium travel perks

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On Capital One's secure site

LIMITED-TIME OFFER: Earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening – that’s equal to $300 in travel
$0 annual fee and no foreign transaction fees
Earn unlimited 1.25X miles on every purchase, every day
Miles won’t expire for the life of the account and there’s no limit to how many you can earn
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% – 29.24% variable APR after that; balance transfer fee applies

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On Capital One's secure site

NO ANNUAL FEE REWARDS CARD

Earn Unlimited 3X Rewards on Restaurants, Travel, Gas & More

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On Wells Fargo's secure site

Wells Fargo Autograph® Card

4.8

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

Recommended Credit Score

Excellent/Good (670 – 850*)

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On Wells Fargo's secure site

Rates and Fees

This rewards card from Wells Fargo offers a seriously impressive lineup of benefits, especially for a card without an annual fee. There’s a welcome bonus, ongoing rewards that can add up quickly with elevated rates on many popular spending categories, and an intro APR on purchases.

Rewards	Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
Bonus	$200Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
Annual Fee	$0
Intro & Ongoing APR	0% intro APR for 12 months from account opening on purchases Followed by a 18.99%, 23.99%, or 28.99% Variable APR

This card is an excellent option for those looking for a $0 annual fee rewards card. New card members can also earn an impressive 20,000-point welcome bonus after spending $1,000 in purchases in the first three months. This bonus has a $200 cash redemption value! As for ongoing rewards, you can earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. There are no caps to worry about and no rewards calendars to keep track of. Plus you will also earn 1X on your other purchases. In addition to the cash redemption option, you can also redeem your rewards for travel, gift cards, and more. There is also a generous intro APR on purchases and many other premium benefits.

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On Wells Fargo's secure site

Generous bonus offer
High rewards rate on popular categories
Cell phone protection option
No Foreign Transaction Fee

No intro APR on balance transfers

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On Wells Fargo's secure site

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 18.99%, 23.99%, or 28.99% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

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On Wells Fargo's secure site

REWARDS ON DINING & ENTERTAINMENT

Solid 3% earning rate on dining, entertainment & more

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On Capital One's secure site

Capital One Savor Cash Rewards Credit Card

4.8

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

Recommended Credit Score

Excellent, Good (670 – 850*)

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On Capital One's secure site

Rates and Fees

Earn unlimited cash back on what you love—dining, entertainment, and more—with the Savor Card. Enjoy top-tier rewards, no rotating categories, and no annual fee your first year.

Cash Back	Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel. Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases.
Bonus	$300 For a limited time, earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Annual Fee	$0
Intro & Ongoing APR	0% intro on purchases for 12 months 0% intro on balance transfers for 12 months Followed by a 19.24% – 29.24% (Variable)

This stellar card from Capital One is an excellent choice for those who spend regularly in the dining, entertainment, streaming services and grocery categories. There is a lucrative bonus opportunity, an intro APR period on purchases and balance transfers and no annual fee. Read our in-depth Review to learn more.

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On Capital One's secure site

No annual fee or foreign transaction fees
Generous welcome offer and bonus rewards earning
Introductory APR offer

Few travel and purchase protections
Low base rewards rate
Streaming services bonus category is limited

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On Capital One's secure site

LIMITED-TIME OFFER: Earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
$0 annual fee and no foreign transaction fees
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
0% intro APR on purchases and balance transfers for 12 months; 19.24% – 29.24% variable APR after that; balance transfer fee applies

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On Capital One's secure site

LIMITED TIME OFFER

Huge welcome offer and premium perks

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On Citi®'s secure site

Citi Strata Elite℠ Card

Recommended Credit Score

Excellent/Good (670 – 850*)

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On Citi®'s secure site

Rates and Fees

Live large, travel smart — the Strata Elite card offers premium rewards, generous travel and lifestyle credits, and built-in value to help offset its $595 annual fee year after year.

Rewards	Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time Earn 1.5 Points per $1 spent on All Other Purchases
Bonus	80,000 Bonus PointsFor a limited time, earn 80,000 bonus Points after spending $4,000 in the first 3 months of account opening
Annual Fee	$595
APR	20.99% – 28.99% (Variable)

For frequent travelers who want elevated rewards and premium perks, the Citi Strata Elite℠ Card is designed to deliver. You’ll earn 12x points on hotels, car rentals, and attractions booked on cititravel.com, making it one of Citi’s strongest travel-focused cards. The card also comes with a limited-time welcome bonus of 80,000 points after spending $4,000 in purchases within the first 3 months, which can be redeemed for flights, hotels, or gift cards or can be transferred to Citi travel partners. Benefits include no foreign transaction fees plus perks like lounge access and annual credits that add up to $1,500 in value. While it does carry a hefty $595 annual fee, the rewards and benefits can easily outweigh the cost for those who travel often.

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On Citi®'s secure site

Hundreds of dollars in annual statement credits
Complimentary airport lounge access (including four annual Admirals Club day passes)
Up to 12 points per dollar for select travel purchases

High annual fee
Few bonus categories for everyday spending
Highest rewards rates require booking through Citi Travel

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On Citi®'s secure site

For a limited time, earn 80,000 bonus Points after spending $4,000 in the first 3 months of account opening.
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
Earn 1.5 Points per $1 spent on All Other Purchases
Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
No Foreign Transaction Fees

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On Citi®'s secure site

BEST FOR CASH BACK

0% intro APR Until 2026 & Cash Back

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On Discover's secure site

Discover it® Cash Back

4.5

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

Recommended Credit Score

Excellent/Good (670 – 850*)

Apply Now

On Discover's secure site

Rates and Fees

You’ll save money on interest, pay no annual fee, earn impressive cash back on your everyday spending and have all of the cash back you’ve earned in your first year automatically matched.

Cash Back	Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate. Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Bonus	Cashback Match® Discover will match all the cash back you’ve earned at the end of your first year.
Annual Fee	$0
Intro & Ongoing APR	0% Intro APR on purchases for 15 months 0% Intro APR on balance transfers for 15 months Followed by a 18.24% – 27.24% Variable APR

The Discover it® Cash Back card allows you to earn 1% cash back on all purchases, unlimited by category or earning caps. Plus, each quarter there will be specific categories in which you’ll earn 5% cash back on up to $1,500 in purchases. After hitting the maximum, you keep earning the usual 1%. This card also has a unique cash back bonus that can really add up to a big payout at the end of your first year. All of the cash back you’ve earned in that first year is matched. There are no minimums or hoops to jump through to earn this bonus. It’s easy and can be very lucrative if you use your card regularly and take advantage of the 5% categories.

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On Discover's secure site

The dollar for dollar cash back match bonus at the end of your first year has no limit, so the earning potential is huge
Cash back redemption options are flexible and robust
No annual fee

You have to activate the rotating categories each quarter
The rotating category cash back is capped at $1,500 in combined purchases each quarter

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On Discover's secure site

INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem cash back for any amount
Apply now and you could get a decision in as little as 90 seconds. No annual fee.
Start shopping and earning rewards in minutes with your virtual card, before your physical card arrives in the mail, if eligible.
Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
Terms and conditions apply.

Updated September 25, 2025

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On Discover's secure site

BEST FOR TRAVEL

Solid Bonus & Rewards Plus Travel Perks

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On Capital One's secure site

Capital One Venture Rewards Credit Card

4.7

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

Recommended Credit Score

Excellent, Good (670 – 850*)

Apply Now

On Capital One's secure site

Rates and Fees

Travel more and worry less with the Venture Card—earn unlimited 2X miles on every purchase and easily redeem for travel, with flexible options and no blackout dates.

Rewards	Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase, every day.
Bonus	$750 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
Annual Fee	$95
APR	19.99% – 29.24% (Variable)

There are a ton of options in the market today for travel rewards cards, but the Capital One Venture Rewards Credit Card is one you should seriously consider. You will earn rewards quickly with unlimited 2x miles per dollar on all purchases and 5x miles per dollar when you book your car rentals, vacation rentals and hotel stays through Capital One Travel. The Venture Rewards Card has a massive welcome offer of 75,000 bonus miles after spending $4,000 within the first 3 months. That equals $750 in travel value. The $95 annual fee grants you access to premium travel benefits like a credit for Global Entry or TSA Precheck and pay no foreign transaction fees. While you’ll get the most out of your miles by redeeming them for travel, there are several other options to cash in your rewards making it an extremely flexible program and one of the best travel rewards programs out there with over 15 direct transfer partners. A 19.99% – 29.24% (Variable) APR will apply to purchases and balance transfers.

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On Capital One's secure site

No foreign transaction fee
Double miles earned on every purchase
Travel perks like Global Entry or TSA PreCheck® Credit

No introductory APR offer
Limited hotel transfer partners

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On Capital One's secure site

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Miles won’t expire for the life of the account and there’s no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs

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On Capital One's secure site

ELEVATED TRAVEL REWARDS

75,000 Bonus Point Offer

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On Chase's secure site

Chase Sapphire Preferred® Card

4.8

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

Recommended Credit Score

Good – Excellent (670 – 850*)

Apply Now

On Chase's secure site

Rates and Fees

Turn everyday spending into unforgettable travel—earn valuable points on dining, travel, and more with the Sapphire Preferred Card, and get 25% more value when you redeem through Chase Ultimate Rewards®.

Rewards	Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.
Bonus	up to $1,312 through Chase Travel℠ Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee	$95
APR	19.99% – 28.24% Variable

The Chase Sapphire Preferred® Card really delivers on the premium rewards, starting with a welcome bonus worth up to $1,312 toward travel. You will earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months after being approved. Your points are worth up to 75% more when you redeem them through Chase Travel, making this bonus worth up to $1,312. As for ongoing rewards, you will earn 5x points on travel purchased through Chase Travel℠ and 3x points on dining purchases, select streaming services and on online groceries (excludes Target, Walmart and wholesale clubs). The rewards keep adding up with 2x points on all of your other travel purchases and a point per dollar spent on everything else. The points you earn can be redeemed for travel, cash back, Amazon.com orders, Apple purchases and gift cards. Round everything out with a robust list of additional benefits and this card is tough to beat.

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On Chase's secure site

Generous intro bonus
Primary rental car coverage
10% Anniversary Bonus

Lounge access or free checked bags are not available
No intro APR for purchases or balance transfers
Complicated rewards

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On Chase's secure site

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Member FDIC

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On Chase's secure site

Advertiser Disclosure

Best Credit Cards with No Foreign Transaction Fee for September 2025