Best No Foreign Transaction Fee Credit Cards of September 2025

The best credit cards with no foreign transaction fees not only facilitate international shopping, but also provide perks in the form of rewards and, often, travel protections. 

Using travel credit cards with no international fees when you’re overseas or making purchases with a vendor abroad might not save you much on an individual purchase, but avoiding these charges is more than worth it over time.

Quick Overview: Best Credit Cards With No Foreign Transaction Fees

	Our Choice For	Credit Range	Annual Fee	Highlights
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.	Travel	Excellent/Good 670 – 850*	$0	Unlimited 1.5 Points per $1 on all purchases, generous intro APR, 25,000 bonus points opportunity 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 Apply Now More Details
Rates and Fees 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.	Elevated Travel Rewards	Excellent, Good 670 – 850*	$95	Earn a welcome bonus worth $750 and 2x – 5x 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. Apply Now More Details
Rates and Fees 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.	$0 Annual Fee Travel Card	Excellent, Good 670 – 850*	$0	Earn a welcome bonus and 1.25X – 5X 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. Apply Now More Details
Rates and Fees 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.	Rewards on dining & entertainment	Excellent, Good 670 – 850*	$0	Up to 8% cash back plus a $300 bonus 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 Apply Now More Details
Rates and Fees 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.	Travel	Good – Excellent 670 – 850*	$95	Incredible rewards redemption value and a welcome bonus worth up to $1,312 in Travel Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Your points are worth up to 75% more when you redeem them through Chase Travel, making this bonus worth up to $1,312.50. Apply Now More Details
Rates and Fees Citi Strata Elite℠ Card	Elevated Rewards and Premium Travel Perks	Excellent/Good 670 – 850*	$595	Earn 80,000 points and premium benefits For a limited time, earn 80,000 bonus Points after spending $4,000 in the first 3 months of account opening​ Apply Now More Details
Chase Sapphire Reserve® 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.	Premium Perks	Excellent 720 – 850*	$795	Luxury travel card with airport lounge access & a bonus worth up to $2,500 in Travel Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. Your points are worth up to 100% more when you redeem them through Chase Travel, making this bonus worth up to $2,500. Full Review More Details
Rates and Fees Citi Strata Premier® Card 4.9 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.	Premium Points	Excellent/Good 670 – 850*	$95	Earn up to 10x points per dollar plus a bonus worth 60,000 bonus ThankYou® PointsEarn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. Apply Now More Details
Rates and Fees Discover it® Miles 4.6 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.	Travel	Excellent/Good 670 – 850*	$0	Earn a first year bonus plus Earn Unlimited 1.5x Miles Per Dollar On All Purchases Apply Now More Details
Rates and Fees 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.	3x Points On Top Categories	Excellent/Good 670 – 850*	$0	Earn a welcome bonus and 1X – 3X rewards Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases. Apply Now More Details
Rates and Fees Wells Fargo Autograph Journey℠ Card	Travel	Excellent/Good 670 – 850*	$95	Strong ongoing rewards, elevated travel perks, plus a bonus worth $600Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip. Apply Now More Details

Detailed Overview: Best No Foreign Transaction Fee Credit Cards

25,000 Bonus Points Offer Worth $250

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.

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On Bank of America's secure site

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Top Feature

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

Purchase & Balance Transfer APR

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

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CardCritics™ Opinion

This no annual fee travel rewards card is a popular choice among travelers due to its flexible rewards and lack of foreign transaction fees. If you are looking for a straightforward travel card that comes with no annual fee and offers a welcome bonus as well as an intro APR period for purchases and balance transfers this card is a great option.

Recommended Credit Score

Excellent/Good (670 – 850*)

Annual Fee

$0

Rewards

1.5x – 3x Points 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.

Card Details From Issuer

• 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.

Apply Now

On Bank of America's secure site

Solid Bonus & Rewards Plus Travel Perks

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.

Apply Now

On Capital One's secure site

Rates and Fees

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Top Feature

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.

Purchase & Balance Transfer APR

19.99% – 29.24% (Variable)

Apply Now

On Capital One's secure site

Rates and Fees

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CardCritics™ Opinion

Capital One has continued to improve their rewards program over the past few years, making the Capital One Venture Rewards Credit Card a strong contender for those who want to earn travel rewards without worrying about category restrictions and have access to simple yet rewarding travel perks .

Recommended Credit Score

Excellent, Good (670 – 850*)

Annual Fee

$95

Rewards

2x – 5x Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.

Earn unlimited 2X miles on every purchase, every day.

Card Details From Issuer

• 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

Apply Now

On Capital One's secure site

Rates and Fees

Bonus Worth $300 In Travel + No Annual Fee

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.

Apply Now

On Capital One's secure site

Rates and Fees

Read Full Review

Top Feature

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

Purchase & Balance Transfer APR

0% intro on purchases and balance transfers for 15 months, then 19.24% – 29.24% (Variable)

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On Capital One's secure site

Rates and Fees

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CardCritics™ Opinion

The Capital One VentureOne Rewards Credit Card is an excellent choice for travelers who are looking to keep it simple. Since it’s a no annual fee card, it doesn’t offer premium travel perks, but comes with added protections that will be useful on your trips and will earn you valuable rewards that can be transferred to several airline and hotel partners.

Recommended Credit Score

Excellent, Good (670 – 850*)

Annual Fee

$0

Rewards

1.25X – 5X 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.

Card Details From Issuer

• 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

Rates and Fees

Solid 3% earning rate on dining, entertainment & more

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.

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On Capital One's secure site

Rates and Fees

Read Full Review

Top Feature

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

Purchase & Balance Transfer APR

0% intro on purchases and balance transfers for 12 months, then 19.24% – 29.24% (Variable)

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On Capital One's secure site

Rates and Fees

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CardCritics™ Opinion

Foodies and entertainment lovers must give this card a look. The Capital One Savor Cash Rewards Credit Card offers generous cash-back rates on dining, entertainment, and streaming services. There is a very lucrative welcome bonus and an intro APR on purchases and balance transfers, making it a well-rounded choice.

Recommended Credit Score

Excellent, Good (670 – 850*)

Annual Fee

$0

Rewards

1% – 8% 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.

Card Details From Issuer

• 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

Apply Now

On Capital One's secure site

Rates and Fees

75,000 Bonus Point Offer

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.

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On Chase's secure site

Rates and Fees

Read Full Review

Top Feature

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Purchase & Balance Transfer APR

19.99% – 28.24% Variable

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On Chase's secure site

Rates and Fees

Read Full Review

CardCritics™ Opinion

The Chase Sapphire Preferred® Card is the perfect card for someone who is looking to level-up their travel game. Since it comes with a substantial welcome bonus, you will be well on your way to booking your next trip once you hit the spending requirement. As you earn more rewards through this card’s travel and dining bonus categories, you can explore Chase’s hotel and airline transfer partners or redeem your points for travel through Chase Travel℠ for up to 75% more value. And if you take advantage of the many perks this card offers, you will quickly offset the $95 annual fee.

Recommended Credit Score

Good – Excellent (670 – 850*)

Annual Fee

$95

Rewards

1x – 5x 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.

Card Details From Issuer

• 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

Apply Now

On Chase's secure site

Rates and Fees

Huge welcome offer and premium perks

Citi Strata Elite℠ Card

Apply Now

On Citi®'s secure site

Rates and Fees

Read Full Review

Top Feature

For a limited time, earn 80,000 bonus Points after spending $4,000 in the first 3 months of account opening​

Purchase & Balance Transfer APR

20.99% – 28.99% (Variable)

Apply Now

On Citi®'s secure site

Rates and Fees

Read Full Review

CardCritics™ Opinion

Citi’s new premium credit card is a strong option for frequent travelers who prefer earning ThankYou® points and want upscale perks, such as airport lounge access (including four American Airlines Admirals Club passes annually) and travel statement credits. It offers high rewards for Citi Travel bookings, along with a unique tiered earning structure on dining worth up to 6x points. Non-bonus categories earn 1.5 points per dollar, which is above average for a travel credit card. The $595 annual fee puts the Strata Elite between other premium credit cards in terms of cost, but it could be well worth it if you can take advantage of the card’s many perks.

Recommended Credit Score

Excellent/Good (670 – 850*)

Annual Fee

$595

Rewards

1.5x – 12x 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

Card Details From Issuer

• 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

Apply Now

On Citi®'s secure site

Rates and Fees

125,000 bonus points

Chase Sapphire Reserve®

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.

Full Review

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Top Feature

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

Purchase & Balance Transfer APR

20.24% – 28.74% Variable

Full Review

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CardCritics™ Opinion

If you want to level up your travel rewards to luxury levels, this card may be the right fit. The ongoing rewards, annual travel credits and incredible miles transfer and redemption options are hard to beat. Add in an attractive welcome bonus and airport lounge access and it’s easy to see why this card is so popular even though the annual fee is pretty steep.

Recommended Credit Score

Excellent (720 – 850*)

Annual Fee

$795

Rewards

1x – 8x Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.

Card Details From Issuer

• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  
• Get more than $2,700 in annual value with Sapphire Reserve.
  
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
  
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
  
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
  
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
  
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
  
• Member FDIC

Full Review

Elevated Travel Rewards Plus A Generous Bonus

Citi Strata Premier® Card

4.9

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.

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On Citi®'s secure site

Rates and Fees

Read Full Review

Top Feature

Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

Purchase & Balance Transfer APR

19.99% – 27.99% (Variable)

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On Citi®'s secure site

Rates and Fees

Read Full Review

CardCritics™ Opinion

This premium travel card offers a hefty list of travel perks, credits and lucrative ongoing rewards that make the $95 annual fee easy to justify. It offers 3 points per $1 spent a wide range of popular categories and significant welcome bonus.

Recommended Credit Score

Excellent/Good (670 – 850*)

Annual Fee

$95

Rewards

1x – 10x 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).

Card Details From Issuer

• Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
  
• Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  
• Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  
• Earn 1 Point per $1 spent on all other purchases
  
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  
• No expiration and no limit to the amount of points you can earn with this card
  
• No Foreign Transaction Fees on purchases

Apply Now

On Citi®'s secure site

Rates and Fees

Double Your Miles Earned in Your First Year

Discover it® Miles

4.6

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.

Apply Now

On Discover's secure site

Rates and Fees

Read Full Review

Top Feature

Discover will match all the Miles you’ve earned at the end of your first year.

Purchase & Balance Transfer APR

0% Intro APR on purchases and on balance transfers for 15 months, then 18.24% – 27.24% Variable APR

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On Discover's secure site

Rates and Fees

Read Full Review

CardCritics™ Opinion

This is a well-rounded flat-rate travel card that is a good fit for someone who does not want to pay an annual fee. With options to redeem your miles for cash or statement credits against travel purchases, it is also a good option for anyone having trouble deciding between a travel or cash back card. Your first year is especially lucrative because Discover will double all of the miles you earn at the end of your first year. It offers a generous intro APR period on purchases and balance transfers as well.

Recommended Credit Score

Excellent/Good (670 – 850*)

Annual Fee

$0

Rewards

1.5x Miles Earn Unlimited 1.5x Miles Per Dollar On All Purchases

Card Details From Issuer

• UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles into 70,000 Miles.
  
• Automatically earn unlimited 1.5x Miles on every dollar of every purchase
  
• No annual fee.
  
• Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants, and more.
  
• 0% intro APR for 15 months on purchases. Then 18.24% – 27.24% Standard Variable Purchase APR will apply.
  
• Terms and conditions apply.

Apply Now

On Discover's secure site

Rates and Fees

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

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.

Apply Now

On Wells Fargo's secure site

Rates and Fees

Read Full Review

Top Feature

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.

Purchase & Balance Transfer APR

0% intro APR for 12 months from account opening on purchases, followed by a 18.99%, 23.99%, or 28.99% Variable APR. A 18.99%, 23.99%, or 28.99% Variable APR will apply for balance transfers.

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On Wells Fargo's secure site

Rates and Fees

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CardCritics™ Opinion

Earning unlimited 3x rewards at restaurants, gas stations, and on travel (plus other categories too) is a fantastic rewards rate for those firmly against paying an annual fee. With no caps or activation requirements, the Wells Fargo Autograph® Card is a stand-out option in the rewards space, offering a robust list of additional perks and flexible redemption options too.

Recommended Credit Score

Excellent/Good (670 – 850*)

Annual Fee

$0

Rewards

1X – 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

Card Details From Issuer

• 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

Rates and Fees

Elevated Travel Rewards Plus A Massive Bonus

Wells Fargo Autograph Journey℠ Card

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On Wells Fargo's secure site

Rates and Fees

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Top Feature

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Purchase & Balance Transfer APR

19.99%, 24.99%, or 28.99% Variable APR

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On Wells Fargo's secure site

Rates and Fees

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CardCritics™ Opinion

This is a great match for frequent travelers who are seeking strong ongoing rewards, a hefty welcome bonus and a significant list of travel perks and credits. This card does allow you to transfer your points to other travel rewards programs, but that transfer list is a bit more limited than some of its competitor cards.

Recommended Credit Score

Excellent/Good (670 – 850*)

Annual Fee

$95

Rewards

1X – 5X Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.

Card Details From Issuer

• Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  
• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
  
• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
  
• $95 annual fee.
  
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
  
• Earn a $50 annual statement credit with $50 minimum airline purchase.
  
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
  
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Apply Now

On Wells Fargo's secure site

Rates and Fees

What Are Foreign Transaction Fees?

Foreign transaction fees are credit card charges added to purchases and other transactions you make in a currency other than U.S. dollars. When charged, these fees are often at or about 3% of each transaction. You’d pay $3 on a $100 transaction with a 3% foreign transaction fee, for example.

You’ll face foreign transaction fees when traveling abroad, unless you pay with a card that doesn’t charge them. You can also come across these fees when you make purchases online from vendors that operate outside the U.S.

How To Choose the Best Credit Card With No Foreign Transaction Fees for You

Plenty of credit cards come without foreign transaction fees, so you shouldn’t open a card just because it’ll let you make international transactions without an issuer charge. Instead, consider how the card would fit into your overall financial picture.

Other Fees

With some issuers, you’re more likely to find no foreign transaction fees on cards that charge higher annual fees. If you don’t want to pay an annual fee, you can narrow the field significantly.

In either case, review all the card’s fees carefully before you open an account. If you’d like to make a balance transfer to the card, you’ll likely have to pay a balance transfer fee. Fees can also be attached to cash advances and late payments.

Rewards Categories

Many cards with no foreign transaction fees offer competitive rewards rates on travel expenses. Make sure you understand how your card issuer defines travel so you can get the most rewards per dollar.

You can also find cards with strong bonus rewards in other categories. If you spend a lot on groceries and dining, for example, a credit card such as the American Express® Gold Card, an advertising partner, could be a better choice than the Capital One Venture X Rewards Credit Card, even though the cards have similar annual fees.

Other Travel Perks

Your credit card could come with travel insurance benefits that cover lost luggage, trip delays, rental car damage and/or travel emergencies. Your card could also offer credits to cover eligible travel expenses and airport lounge access.

Other Card Benefits

A slew of other perks are possible. These include extended warranty, which can add extra time to a manufacturer’s warranty, and purchase protection, which can provide coverage if an eligible item is stolen or damaged.

Tips for Using Your Card While Traveling Internationally

Credit card companies used to request notice before customers traveled abroad. Thanks to more advanced fraud detection technology, that’s typically not necessary anymore. Still, you’ll need to be prepared to use your credit card responsibly abroad. That means you’ll want to:

• Pay in the local currency: When you check out with an international merchant, you may have the option to convert the charge into U.S. dollars. You should decline. The conversion may come with a subpar exchange rate, and you’ll likely pay fees, too.
• Avoid cash advances: If you need cash during your travels, aim to use your debit card at an ATM that either belongs to or partners with your financial institution. If you use your credit card, you’ll incur cash advance fees, which are often 5% of each transaction, or at least $5 or $10.
• Verify your contact information: Your issuer might reach out to you if it’s concerned about fraud, and it’ll need up-to-date contact information to do so. Check your online account to make sure your information is accurate.
• Double check your digital wallet: If you frequently use tap-to-pay on your mobile device, double check that your usual card doesn’t charge a foreign transaction fee. You may need to temporarily move another card to the top of your roster or add a new card to your mobile wallet to avoid accidentally paying with the wrong card.
• Use your cards strategically: This tip applies to consumers juggling multiple credit cards without foreign transaction fees. If you have a card that offers strong credit card rental car insurance, you should use it to book your rental car. If a different card offers top-notch rewards on airline travel, use that card to book your flights.

Pros and Cons of a Credit Card With No Foreign Transaction Fees

If you’re going to use a credit card for international spending, you should always use a no foreign transaction fee card. But go in knowing that these cards aren’t all upside.

Pros

• Facilitate international spending: You can pay without pesky fees when you use a credit card with no foreign transaction fees.
• Often offer other travel perks: The best cards in this category often offer other travel perks, such as trip insurance and elevated rewards on travel spending. 
• Provide security: You won’t pay an extra fee, and you’ll also get the increased fraud protection that generally comes with paying with a credit card.

Cons

• Can skew toward travel rewards: Travel perks can be useful, but if you’re more interested in other rewards categories, travel rewards credit cards without foreign transaction fees may not appeal.
• May charge other fees: Cards without foreign transaction fees may charge annual fees. Plus, you’ll likely still have fees for balance transfers, cash advances and late payments.
• Could complicate budgeting: Avoiding foreign transaction fees will save you money, but how much you’ll save depends on how much you spend overall. Don’t let the change saved on these fees be an excuse to spend beyond your budget.

Alternatives To Consider

The market for no foreign transaction fee credit cards is big. Whether you’re looking for a luxury card, a starter card or something in between, you’ll find more options than are on this list.

• The Platinum Card® from American Express (an advertising partner): The price tag on this card is high at $895, but regular travelers willing to put in the work to maximize the perks on this premium credit card could find it more than worth it. Benefits include extensive airport lounge access and credits of up to $200 per year to cover eligible airline fees and up to $600 per year toward qualified hotel bookings, respectively (enrollment required).
• Discover it® Cash Back: Discover credit cards aren’t as widely accepted outside the U.S. as Visa or Mastercard, but when they are, this card can be a solid choice. It charges no annual fee and comes with rotating quarterly 5% cash back categories that have previously included grocery stores, restaurants, gas stations, and more (5% back on up to $1,500 in spending per quarter after you activate, then 1%).
• U.S. Bank Altitude® Connect Visa Signature® Card: This card is a great choice for budget-minded travelers who want travel-friendly perks and bonus points without the hassle of an annual fee. It offers a complimentary Priority Pass Select airport lounge membership with four free visits annually, plus up to $100 in credit toward the TSA PreCheck or Global Entry application fee every four years.

The information related to the Chase Sapphire Reserve®, and the U.S. Bank Altitude® Connect Visa Signature® Card was collected by CardCritics™ and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardCritics™ does not receive a commission for these products.