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Best Credit Cards with No Foreign Fee of 2019

Jennifer Blocker
Updated on: 01/03/2019

Nobody likes fees. Thankfully there are many choices when it comes to avoiding them. A credit card with no foreign transaction fees can be a very valuable tool for an avid traveler. Even if you do not travel, this is a great perk. Did you know it is possible to be charged this fee without ever leaving the country if you make online purchases from a merchant based outside the U.S.?

Not only can you avoid paying the fee by using the right credit card, but if you make most of your purchases with that card you will not have to exchange as much cash either. This can save money because you can skip the horrible rates offered at those exchange bureaus located in airports. Not to mention that you would have to pay again to change it back if you have some cash leftover at the end of your trip.

Some banks have affiliations with overseas financial institutions, but for the most part if you withdraw cash from an ATM without global partners you can end up paying a foreign transaction fee, whatever exchange rate they’re offering and ATM fees. The best way to avoid these fees (which can rack up fast) and get the best exchange rate is by using a no foreign transaction fee credit card when traveling overseas.

8 Top Rated Credit Cards with No Foreign Transaction Fee

Ever come back from a vacation abroad and review your statement only to find out that among all your expected charges there was a significant amount of money that was wasted on fees? Every time you withdraw money from the ATM or make a purchase with a card that charges a foreign transaction fee you’re essentially throwing away money. How you ask? Because you don’t have to pay these fees.

What is a foreign transaction fee? It is a charge by the card issuing bank which is basically unnecessary. They are not paying anything extra on these transactions, so why should you? These fees are especially unnecessary due to the number of credit cards available that do not charge them. If you travel often and are looking for a credit card that can help you add to your bottom line, it is a must to have a credit card with no foreign transaction fees.

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Intro APR on Purchases
0% (up to 14 months)
Intro APR on Balance Transfers
0% (up to 14 months)
Regular APR
See Site
Annual Fee
$0
Rewards Program
Travel and Miles
about this credit card:
    • The best credit cards with no foreign transaction fee: January 2019
    • View all of the current card offers on Credit-Land.com by clicking Apply Now
    • Earn miles and cash back, enjoy great travel benefits and skip the fees while making purchases abroad
    • Offers available for Excellent and Good credit
Capital One® VentureOne® Rewards Credit Card
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Intro APR on Purchases
0% intro on purchases for 12 months
Intro APR on Balance Transfers
N/A
Regular APR
14.24% - 24.24% (Variable)
Annual Fee
$0
Rewards Program
Venture® Rewards
about this credit card:
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
    • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels through January 2020; learn more at hotels.com/venture
    • Transfer your miles to over 12 leading travel loyalty programs
    • Fly any airline, stay at any hotel, anytime
    • Enjoy a low intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
    • Travel when you want with no blackout dates
    • No foreign transaction fees
    • Miles won't expire for the life of the account and there's no limit to how many you can earn

Travel Benefits

Travel Upgrades and Savings:

Free upgrades and discounts at select hotels and resorts are part of the Visa Signature card benefits.

Complimentary Concierge Service:

Enjoy free assistance 24-hours a day, even while you’re traveling.

No Foreign Transaction Fee:

Use your card anywhere in the world and never pay additional fees.

Why should you get this card?

  • Great Earning Potential: You’ll get bonus points for every purchase you make. No matter what you buy, you’ll earn 1.25 miles for every dollar spent. Those miles will add up fast.
  • Hassle-Free Redemptions: Miles can be applied to any travel purchases, not just airfare. On top of that, you don’t have to worry about blackout dates or limited award space because you buy the travel you want and then apply miles to the purchase.
  • No Annual Fee: It’s hard to be a rewards card that does not charge an annual fee. Every reward you earn is essentially free!
  • Sign-Up Bonus: For a no-fee card, 20,000 miles is an excellent sign-up bonus. It’s worth $200 in travel. All you have to do is spend $1,000 during the first three months you have the card.

Our Expert's Conclusion

If you’re looking for a no-fee rewards card that offers a solid sign-up bonus and hassle-free redemptions, than the the VentureOne card from Capital One is a great option. You’ll get 20,000 miles worth $200 for spending just $1,000 in 90 days, plus you’ll earn a generous 1.25 miles per dollar for every purchase.

Getting the card is a risk-free proposition because it won’t cost you a penny. Whatever miles you earn with the card are pure profit because there aren’t any fees. You can even use the card while traveling internationally, since there are no foreign transaction fees either.

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Capital One® Quicksilver® Cash Rewards Credit Card
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Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfers
0% intro on balance transfers for 15 months
Regular APR
16.24% - 26.24% (Variable)
Annual Fee
$0
Rewards Program
Capital One® Cash Back Rewards
about this credit card:
    • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase, every day
    • 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 for 15 months; 16.24%-26.24% variable APR after that
    • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
    • Pay no annual fee or foreign transaction fees

Travel Benefits

Travel Upgrades and Savings:

With your access to the Luxury Hotels & Resorts program, you can enjoy complimentary room upgrades, early check in and late checkout, subject to availability.

Travel Protection:

Get reimbursed up to $1,500 per trip for non-refundable travel costs if your trip is canceled or ends early.

Wi-Fi:

Only A-List Preferred status members get inflight Wi-Fi at no charge.

Why should you get this card?

  • Great Earning Potential: For every purchase you make you’ll earn 1.5% cash back. It doesn’t get any easier than that!
  • Hassle-Free Redemptions: You can redeem your cashback at any time with no minimums! You’ll either get a statement credit or a check in the mail—whatever works for you.
  • Great Sign-Up Bonus: This card comes with a sign-up bonus of $150 after spending only $500 within the first 3 months. After a few cell phone payments and trips to the grocery store, you’ll have a cool $150 very quickly!
  • No Annual Fee: No matter how you use your card, you won’t pay an annual fee. You don’t have to worry about paying a hefty annual fee and all the rewards are all yours.

Our Expert's Conclusion

Capital One’s Quicksilver card is a great card for earning cash back. If you want to simplify your wallet and you value cash more than miles and points, this is the card for you. Since you can earn 1.5 percent back on every single purchase you make and never pay an annual fee, you can earn some serious cash on everyday purchases, big ticket items, all types of travel or whatever else you choose.

Again, since this card has no annual fee, there’s little downside to the Quicksilver credit card. Yet, it still comes with the elevated MasterCard World Elite protections. As far as travel cards go, this is not a premium card that helps earn status, free checked bags or lounge access, but if you’re an occasional traveler or prefer to fly economy, this card is still a good bet. The cashback you earn can be used toward travel or any other purchase you make. Flexibility makes this a great card.

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • 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 for 15 months; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Barclaycard Arrival Plus® World Elite Mastercard®
Apply Now
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (first 12 billing cycles following each balance transfer that posts to your account within 45 days of account opening)
Regular APR
18.24%, 22.24% or 25.24% variable based on your creditworthiness
Annual Fee
$89 (waived first year)
Rewards Program
Barclaycard Arrival Rewards
about this credit card:
    • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
    • Earn unlimited 2X miles on every purchase
    • NEW - Control Your Card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
    • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
    • Get 5% miles back to use toward your next redemption, every time you redeem
    • No foreign transaction fees
    • International Chip and PIN for use at self-service chip terminals around the world
    • Miles don’t expire as long as your account is open, active and in good standing

Travel Benefits

24/7 Concierge:

You have access to a complimentary concierge any time of day. This service works like a personal assistant to help with reservations, hard-to-find items, and more.

No foreign transaction fee:

You can earn miles outside the U.S. without worrying about extra fees.

Why should you get this card?

  • Valuable Sign-Up Bonus: This card comes with a sign-up bonus worth $700 toward any travel purchase.
  • Excellent Everyday Earning: You’ll get 2 miles for each dollar you spend. That will add up fast.
  • Easy to Redeem: Your miles aren’t tied to a loyalty program. Just buy the flight you want and redeem miles toward that purchase. There are no blackout dates or limited award space.

Our Expert's Conclusion

The short answer is absolutely. Depending on your travel and spending habits, this card may or not make sense for you after the first year when you start paying the annual fee, but earning 70,000 miles after meeting the minimum spend and earning 2X miles on all purchases are tremendous benefits. Not only that, but if this becomes your go-to card, miles will rack up fast, and with the 5 percent redemption bonus, that’s like earning 2.1 percent back on every purchase, every day. This card is just as good as any other cashback card currently on the market.

  • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • NEW - Control Your Card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don’t expire as long as your account is open, active and in good standing
JetBlue® Plus MasterCard®
Apply Now
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% introductory APR for the first twelve billing cycles following each balance transfer that posts to your account within 45 days of account opening
Regular APR
17.99%, 21.99% or 26.99% (Variable±)
Annual Fee
$99
Rewards Program
TrueBlue
about this credit card:
    • Earn 40,000 Bonus Points after you spend $1,000 on purchases in the first 90 days.
    • 6X points on JetBlue purchases.
    • 2X points at restaurants and grocery stores.
    • 1X points on all other purchases.
    • Earn 5,000 Bonus points annually after your account anniversary.
    • Get 10% of your points back every time you redeem to use toward your next redemption.
    • Free first checked bag.
    • No Blackout dates on JetBlue-operated flights.
    • Redeem for any seat any time on JetBlue-operated flights.
    • Points awarded into your TrueBlue account don't expire.
    • Earn and share points together with family pooling.

Travel Benefits

Get 10% of Your Points Back:

10 percent of the points you redeem will be returned to you. There is no cap on number of points you can earn using this benefit.

In-Flight Savings:

Get 50 percent off eligible in-flight purchases, including cocktails, beer, wine, meals and JetBlue movies.

No Foreign Transaction Fee:

You’ll never pay a fee for using your JetBlue card, no matter where you’re traveling.

Why should you get this card?

  • Great Earning Potential: This card has three bonus-earning categories: 6x on JetBlue purchases, 2x at restaurants, and 2x at grocery stores.
  • Free Checked Bag: The primary card member and up to three travel companions on the same reservation get a free checked bag. This can result in up to $200 of savings on a round-trip flight.
  • Big Sign-Up Bonus: This card comes with a 40,000 -point sign-up bonus that’s worth approximately $672 in airfare
  • Ability to Earn Elite Status: You can earn Mosaic status when you spend $50,000 in a calendar year. Status gets you more free checked bags, free alcoholic beverages and priority benefits

Our Expert's Conclusion

The JetBlue Plus card is great for frequent JetBlue travelers. The annual anniversary bonus makes this card relatively cheap to have. For anyone that flies at least 2 to 3 times a year on JetBlue, the free checked bag benefit alone can pay for the card.

More than that, this card has significantly better earning power than most co-branded airline cards. With 2x points at both restaurants and grocery stores, plus an impressive 6x points for JetBlue purchases, there are a ton of opportunities to rack up the points and earn your next free flight quickly.

  • Earn 40,000 Bonus Points after you spend $1,000 on purchases in the first 90 days.
  • 6X points on JetBlue purchases.
  • 2X points at restaurants and grocery stores.
  • 1X points on all other purchases.
  • Earn 5,000 Bonus points annually after your account anniversary.
  • Get 10% of your points back every time you redeem to use toward your next redemption.
  • Free first checked bag.
  • No Blackout dates on JetBlue-operated flights.
  • Redeem for any seat any time on JetBlue-operated flights.
  • Points awarded into your TrueBlue account don't expire.
  • Earn and share points together with family pooling.
Rating: 93/100
Citi Premier Card
Apply Now
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
16.74% - 25.74% (Variable)
Annual Fee
$0 first year, then $95
Rewards Program
ThankYou®
about this credit card:
    • Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
    • Earn 3 points per $1 spent on travel including gas stations
    • Earn 2 points per $1 spent at restaurants and on entertainment
    • Earn 1 point per $1 spent on all other purchases
    • 50,000 Points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $500 in gift cards when redeemed at thankyou.com
    • No expiration and no limit to the amount of points you can earn with this card
    • Points Transfer allows you to transfer points to participating airline loyalty programs
    • No Foreign Transaction Fees on purchases

Travel Benefits

No Foreign Transaction Fees:

Never pay an extra fee to use this card outside the U.S.

Concierge Service:

Citi Concierge provides help with travel, shopping and dining.

Why should you get this card?

  • Great Earning Potental: Generous double and triple point-earning categories, including all travel and gas purchases.
  • Discount on ThankYou Travel Purchases: Get a 25 percent rebate when redeeming for travel through the ThankYou Rewards travel portal.
  • Flexible Redemption Options: You’ll always find a use for your points with 15 airline transfer partners.
  • No Foreign Transaction Fees: This card is great for earning rewards while traveling abroad.

Our Expert's Conclusion

You can get excellent value out of ThankYou points, particularly if you transfer them to airlines and redeem for expensive premium cabin tickets. If you are a traveler that often books the cheapest economy class ticket, then there can also be strong value in redeeming points through the ThankYou program’s travel portal thanks to the 25 percent discount offered by this card.

If you are interested in domestic award travel or simple award redemptions, this card may prove to be too complex. Instead, consider cards with more domestic transfer partners. You may not get quite the same value for your points, but there will be more availability and easier redemptions.

  • Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 points per $1 spent on travel including gas stations
  • Earn 2 points per $1 spent at restaurants and on entertainment
  • Earn 1 point per $1 spent on all other purchases
  • 50,000 Points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $500 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases
British Airways Visa Signature® Card
Apply Now
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
17.74% - 24.74% Variable
Annual Fee
$95
Rewards Program
Executive Club
about this credit card:
    • 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening.
    • Earn an additional 25,000 bonus Avios after you spend $10,000 total on purchases within your first year from account opening for a total of 75,000 bonus Avios.
    • Earn a further 25,000 bonus Avios after you spend $20,000 total on purchases within your first year from account opening for a total of 100,000 bonus Avios.
    • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
    • In addition to the bonus Avios, you will also get 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
    • Pay no foreign transaction fees when you travel abroad.
    • Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.

Travel Benefits

Companion Pass:

For every calendar year you make $30,000 or more in net purchases on your British Airways Visa card, you will earn a Travel Together Ticket valid for two years. Redeem your Avios for one reward seat for yourself, then use your Travel Together Ticket to bring a friend for only the cost of taxes and fees.

No Foreign Transaction Fees:

Whether at home or abroad, this card does not charge foreign transactions fees on your purchases.

Why should you get this card?

  • Big Sign-Up Bonus: The card’s amazing 50,000-Avios sign-up bonus is easily worth over $1,650 and potentially much more.
  • Great Earning Potential: You’ll earn 3X Avios for all British Airways, Iberia and Open Skies purchases and 1 point per dollar for everything else.
  • Free Companion Ticket: With the Travel Together Ticket, a family or friend can fly with you for free on award flights after you spend $30,000 or more on the card during the cardmember year.
  • Not Subject to Chase’s 5/24 Rule: If you’ve already opened five or more cards in the last 24 months, Chase’s notorious 5/24 rule won’t hurt your chances of getting approved.

Our Expert's Conclusion

Although British Airways Avios aren’t hard to come by, this credit card is a great way to earn even more with the extremely generous sign-up bonus. And because British Airways Executive Club offers some great redemption opportunities on its own metal and with oneworld carriers, you don’t need to be a frequent British Airways customer to get a lot of value out of the card.

With only a 95 annual fee, the sign-up bonus more than outweighs the cost of the card. Plus, if you spend $30,000 or more each year, the Travel Together Ticket carries some serious value that completely offsets the annual fee.

  • 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening.
  • Earn an additional 25,000 bonus Avios after you spend $10,000 total on purchases within your first year from account opening for a total of 75,000 bonus Avios.
  • Earn a further 25,000 bonus Avios after you spend $20,000 total on purchases within your first year from account opening for a total of 100,000 bonus Avios.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
  • In addition to the bonus Avios, you will also get 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
  • Pay no foreign transaction fees when you travel abroad.
  • Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.
Chase Sapphire Preferred® Card
Apply Now
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
17.99% - 24.99% Variable
Annual Fee
$0 Intro for the First Year, then $95
Rewards Program
Ultimate Rewards®
about this credit card:
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
    • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
    • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
    • No foreign transaction fees
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
    • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Travel Benefits

Concierge Service:

No matter the time of day, Chase promises that a representative will answer your call to answer questions about your card or to assist with travel arrangements, dining reservations, show tickets and more.

No Foreign Transaction Fee

No fees for using the Sapphire Preferred for non-U.S. dollar purchases abroad or online.

Why should you get this card?

  • Great Earning Potential: You’ll earn two points for every dollar spent on all travel and dining purchases, and one point per dollar for everything else.
  • Big Sign-Up Bonus: This card offers a lucrative 50,000 points sign-up bonus
  • Transfer Partners: The Ultimate Rewards program offers several great airline and hotel transfer partners. Popular airline options include United Airlines and Air France, and great hotel chains include Hyatt and Marriott.

Our Expert's Conclusion

The Chase Sapphire Preferred is a great card for just about everybody. Whether you’re just getting started with travel rewards cards or you’re a frequent business traveler, this card offers many great benefits including a big sign-up bonus, a great earning rate on spending and a host of other travel benefits.

On top of that, 0 bonus points are a great way to pad your Ultimate Rewards balance or to get you started. And because you always earn double points on travel and dining purchases, the mid- range annual fee of $0 first year, then $95, makes this a great card to keep beyond the first year and to also keep at the top of your wallet.

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
American Express® Premier Rewards Gold Card
Apply Now
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
N/A
Annual Fee
$0 first year, then $195
Rewards Program
Membership Rewards®
about this credit card:
    • Earn 25,000 Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
    • $0 intro annual fee for the first year of Card Membership, then $195.
    • No interest charges because you pay your balance in full each month.
    • 3X points for airfare purchased directly from airlines.
    • 2X points at US restaurants, US gas stations, and at US supermarkets.
    • Earn 2X Membership Rewards points at amextravel.com.
    • 1X points on other purchases.
    • You can get 2x Membership Rewards® points per eligible dollar spent, in addition to a $75 hotel credit to spend on qualifying dining, spa, and resort activities when you book a stay of at least two consecutive nights at participating properties, at americanexpress.com/hc.
    • No foreign transaction fees.
    • $100 Airline Fee Credit.
    • Membership Rewards® program - use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment. You can transfer points to our selection of frequent traveler programs.

Travel Benefits

Free checked bags:

First and second checked bags are free for cardholders

The Hotel Collection:

Get a $75 credit for activities if you book two consecutive nights at participating hotels through Amex Travel.

Airline Fee Credit:

Get an annual $100 fee credit that can cover bag fees, in-flight purchases, change fees and more with one airline of your choice.

Why should you get this card?

  • Great Earning Potential: You’ll get bonus points for airfare booked directly with airlines, dining out, fuel and snacks at gas stations, groceries at supermarkets and Uber rides—and there’s no cap on the number of points you can earn. Points will add up quickly, and so will your trips!
  • $100 Airline Fee Credit: The airline fee credit can be used toward checked bags, seat upgrades, taxes on award flights and onboard meals and entertainment. It’s even possible to buy gift cards from some airlines for later use. The credit applies automatically whenever an eligible charge is made.
  • Sign-Up Bonus: Although not the biggest sign-up bonus we’ve seen for an Amex card, 25,000 Membership Rewards points are enough to book a round-trip domestic flight. If travel is not in your plans at the moment, the points are worth at least $250 in statement credits.

Our Expert's Conclusion

If you’re in the market for a travel rewards cards with fantastic earning potential, the Premier Rewards Gold card is it. In fact, no other Membership Rewards card offers such significant reward rates. Additionally, you can earn 25,000 points for spending $2,000 in the first three months.

The points can be transferred to partners or used as cash through the Amex travel center, which offers a choice for purchasing a ticket with points when award seats aren’t available. Flexibility in both earning and redeeming is one of the strongest features of this card.

  • Earn 25,000 Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • $0 intro annual fee for the first year of Card Membership, then $195.
  • No interest charges because you pay your balance in full each month.
  • 3X points for airfare purchased directly from airlines.
  • 2X points at US restaurants, US gas stations, and at US supermarkets.
  • Earn 2X Membership Rewards points at amextravel.com.
  • 1X points on other purchases.
  • You can get 2x Membership Rewards® points per eligible dollar spent, in addition to a $75 hotel credit to spend on qualifying dining, spa, and resort activities when you book a stay of at least two consecutive nights at participating properties, at americanexpress.com/hc.
  • No foreign transaction fees.
  • $100 Airline Fee Credit.
  • Membership Rewards® program - use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment. You can transfer points to our selection of frequent traveler programs.

Compare Credit Cards with No Foreign Fees

Compare all credit cards by RE® Value, which is an estimate of how much you will earn during first year of credit card use minus annual fees.

Credit Card
Bonuses & Rewards
First Year Rewards
FEES
RE® value
Capital One® VentureOne® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

Bonuses & Rewards
  • 20,000 miles sign-up bonus.
  • 30,000 miles for everyday spend.
First Year Rewards
$500
FEES
-$0
RE® value
$500
Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
  • 48,000 miles for everyday spend.
First Year Rewards
$980
FEES
-$0
RE® value
$980
Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

Bonuses & Rewards
  • $150 sign-up bonus.
  • $360 for everyday spend.
First Year Rewards
$510
FEES
-$0
RE® value
$510
Platinum Delta SkyMiles® Credit Card

Platinum Delta SkyMiles® Credit Card

Bonuses & Rewards
  • 70,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,560
FEES
-$195
RE® value
$1,365
Delta Reserve Credit Card

Delta Reserve Credit Card

Bonuses & Rewards
  • 40,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,010
FEES
-$450
RE® value
$560
American Express® Premier Rewards Gold Card

American Express® Premier Rewards Gold Card

Bonuses & Rewards
  • 25,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$987
FEES
-$0
RE® value
$987
Gold Delta SkyMiles® Credit Card

Gold Delta SkyMiles® Credit Card

Bonuses & Rewards
  • 60,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,360
FEES
-$0
RE® value
$1,360
American Express® Gold Card

American Express® Gold Card

Bonuses & Rewards
  • 25,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$887
FEES
-$0
RE® value
$887
Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

Bonuses & Rewards
  • 75,000 Starpoints® sign-up bonus.
  • 48,000 Starpoints® for everyday spend.
First Year Rewards
$2,362
FEES
-$0
RE® value
$2,362
Citi Prestige® Card

Citi Prestige® Card

Bonuses & Rewards
  • 0 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$437
FEES
-$450
RE® value
$-13

To apply for this offer please contact
Citibank

More Details
Chase Sapphire Reserve®

Chase Sapphire Reserve®

Bonuses & Rewards
  • 50,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$1,632
FEES
-$450
RE® value
$1,182
Marriott Rewards® Premier Plus Card

Marriott Rewards® Premier Plus Card

Bonuses & Rewards
  • 100,000 points sign-up bonus.
  • 48,000 points for everyday spend.
First Year Rewards
$1,362
FEES
-$95
RE® value
$1,267
Amazon Rewards Visa Signature Card

Amazon Rewards Visa Signature Card

Bonuses & Rewards
  • 0 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$240
FEES
-$0
RE® value
$240
Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

Bonuses & Rewards
  • 40,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$1,071
FEES
-$99
RE® value
$972
FlexPerks® Travel Rewards Visa Signature® Card

FlexPerks® Travel Rewards Visa Signature® Card

Bonuses & Rewards
  • 25,000 FlexPoints® sign-up bonus.
  • 24,000 FlexPoints® for everyday spend.
First Year Rewards
$731
FEES
-$0
RE® value
$731
Chase United MileagePlus® Club Card

Chase United MileagePlus® Club Card

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
  • 36,000 miles for everyday spend.
First Year Rewards
$1,633
FEES
-$450
RE® value
$1,183
British Airways Visa Signature® Card

British Airways Visa Signature® Card

Bonuses & Rewards
  • 50,000 Avios sign-up bonus.
  • 24,000 Avios for everyday spend.
First Year Rewards
$1,228
FEES
-$95
RE® value
$1,133
Expedia®+ Voyager Card from Citi

Expedia®+ Voyager Card from Citi

Bonuses & Rewards
  • 25,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$406
FEES
-$95
RE® value
$311
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Bonuses & Rewards
  • 50,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$1,332
FEES
-$0
RE® value
$1,332
Citi Premier Card

Citi Premier Card

Bonuses & Rewards
  • 50,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$1,132
FEES
-$0
RE® value
$1,132
Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard®

Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard®

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,204
FEES
-$0
RE® value
$1,204
Priceline Rewards™ Visa® Card

Priceline Rewards™ Visa® Card

Bonuses & Rewards
  • 5,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$323
FEES
-$0
RE® value
$323
Chase United℠Explorer Credit Card

Chase United℠Explorer Credit Card

Bonuses & Rewards
  • 40,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,087
FEES
-$0
RE® value
$1,087
Wyndham Rewards® Visa® Card

Wyndham Rewards® Visa® Card

Bonuses & Rewards
  • 15,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$281
FEES
-$0
RE® value
$281
Princess Cruises® Rewards Visa® Card

Princess Cruises® Rewards Visa® Card

Bonuses & Rewards
  • 10,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$340
FEES
-$0
RE® value
$340
Holland America Line Rewards Visa® Card

Holland America Line Rewards Visa® Card

Bonuses & Rewards
  • 5,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$290
FEES
-$0
RE® value
$290
Barclaycard Arrival Plus® World Elite Mastercard®

Barclaycard Arrival Plus® World Elite Mastercard®

Bonuses & Rewards
  • 70,000 miles sign-up bonus.
  • 48,000 miles for everyday spend.
First Year Rewards
$1,242
FEES
-$0
RE® value
$1,242
Miles & More® World Elite MasterCard®

Miles & More® World Elite MasterCard®

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,709
FEES
-$89
RE® value
$1,620
Hawaiian Airlines® World Elite MasterCard®

Hawaiian Airlines® World Elite MasterCard®

Bonuses & Rewards
  • 35,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$989
FEES
-$89
RE® value
$900
AAdvantage® Aviator® Red World Elite Mastercard®

AAdvantage® Aviator® Red World Elite Mastercard®

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,204
FEES
-$95
RE® value
$1,109
JetBlue® MasterCard®

JetBlue® MasterCard®

Bonuses & Rewards
  • 10,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$571
FEES
-$0
RE® value
$571
Carnival™ World MasterCard®

Carnival™ World MasterCard®

Bonuses & Rewards
  • 10,000 FunPoints® sign-up bonus.
  • 24,000 FunPoints® for everyday spend.
First Year Rewards
$340
FEES
-$0
RE® value
$340
Alaska Airlines Visa Signature® Credit Card

Alaska Airlines Visa Signature® Credit Card

Bonuses & Rewards
  • 30,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$860
FEES
-$75
RE® value
$785
Amtrak Guest Rewards® World Mastercard®

Amtrak Guest Rewards® World Mastercard®

Bonuses & Rewards
  • 20,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$462
FEES
-$79
RE® value
$383
Bank of America® Travel Rewards Credit Card

Bank of America® Travel Rewards Credit Card

Bonuses & Rewards
  • 25,000 points sign-up bonus.
  • 36,000 points for everyday spend.
First Year Rewards
$610
FEES
-$0
RE® value
$610
Celebrity Cruises Visa Signature® Credit Card

Celebrity Cruises Visa Signature® Credit Card

Bonuses & Rewards
  • 10,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$340
FEES
-$69
RE® value
$271
Virgin Atlantic World Elite MasterCard®

Virgin Atlantic World Elite MasterCard®

Bonuses & Rewards
  • 20,000 miles sign-up bonus.
  • 36,000 miles for everyday spend.
First Year Rewards
$840
FEES
-$90
RE® value
$750
U.S. Bank FlexPerks® Gold Card

U.S. Bank FlexPerks® Gold Card

Bonuses & Rewards
  • 30,000 FlexPoints® sign-up bonus.
  • 24,000 FlexPoints® for everyday spend.
First Year Rewards
$856
FEES
-$85
RE® value
$771

What to Know When Comparing Cards with No Foreign Transaction Fees

If you are looking for a card with no foreign transaction fees you are probably planning some international travel. In that case, I recommend getting a card with a chip because it’s necessary to complete some types of transactions overseas. I also suggest having several credit cards on you when traveling in case one is declined. It is good to have cards from several issuers, too (like Visa, MasterCard and Amex). However, it is not recommended to apply for more than one card at a time.

When comparing cards, there are factors to consider that are subjective and will be based on your spending habits and things that are unique to you. But here are some general things to consider:

Fees:
Assess all possible fees that may be associated with a card, such as interest rates and annual fees. Although some of the best travel cards may not have the lowest interest rates and may even charge high annual fees, there are a variety of cards that offer a promotional interest rate and no annual fee.
It all depends what you want to get out of your card. If you are an avid traveler, an annual fee card is not out of the question because of the additional benefits they provide. Those benefits can sometimes allow you to avoid additional costs, such as baggage fees and the like. They can also easily outweigh the cost of the fee.
As far as interest rates go, they can easily be avoided by not carrying a balance. If you need to carry a balance, you should use a card with a promotional interest rate or a low ongoing interest rate, depending on how much time it might take to clear your debt.
Bonuses:
Look for a welcome bonus. Most major banks offer them. They are now in their heyday, but may not last forever. The time to capitalize on these is now. They are currently very competitive and have reached unprecedented heights. If you have good to excellent credit, your options are almost limitless.
Sign-up bonuses have become so popular that they are sought after by travel hackers, who love to travel for nearly free using travel awards. Bonuses have reached as high as 75,000 points, which is more than enough to pay for a vacation.
Rewards:
Look for good reward rates. Most percentage-based reward rates can be understood in terms of pennies to the dollar. If a card earns 1 percent, then you’ll earn back one penny per dollar spent in rewards. I never like to get less than 2 percent on anything, and 5 percent really makes me happy. That’s a nickel return for every dollar spent, which is a great, though rare, for credit card rewards.
To get the most out of your rewards, think about things like how you spend your money and what the reward rate will be. Some cards have rotating categories that change the amount of money you earn in a certain category for a particular timeframe. Most travel cards will give high reward rates for not only travel, but also for other activities like dining out. So how and where you use your card will be key to what you can get out of it.

Tips to Avoid Fees on Your Credit Card

Not only is it possible to avoid credit card fees altogether, but it is possible to earn money from them. That’s right, cold hard cash in your hands. And you can make those rewards even more valuable if you redeem them for travel. But don’t negate the awards you’ve earned by paying unnecessary fees.

  • Have a card with no foreign transaction fee

    Three percent may not sound like a lot, but it can add up quick. This fee is easily avoidable because so many cards don’t charge it. There is just no reason to pay to make purchases abroad. A penny saved is a penny earned.

    Most of the major issuers, including Chase, Citibank and American Expresss, offer credit cards that have no foreign transaction fees. None of the cards offered by Capital One and Discover have foreign transaction fees, either. However, if you are traveling outside of the Caribbean or Mexico, a Discover card may not be useful as they are not as widely accepted abroad. Therefore, it is highly recommended that everyone have at least one card that uses a well-known network, like Visa or MasterCard, that does not charge a foreign transaction fee.

  • Pay in the local currency when possible

    If purchasing goods or services internationally, always use a credit card and pay in the local currency when possible. In some cases you may be given an option to pay in U.S. dollars. If you choose to pay in U.S. dollars, you may be charged a high exchange rate. This is different from a foreign transaction fee and is charged when the money is converted. The payment network, such as Visa or MasterCard, sets the exchange rates for card transactions in foreign currencies, and they can change on a daily basis.

  • Consider skipping the annual fee

    Most banks also offer cards that do not charge an annual fee. It’s not hard to find a fee-free rewards card that has a promotional interest rate and a welcome bonus. However, I am not against paying an annual fee if the benefits, or even the sign-up bonus alone, make it worth the extra cost. Keep in mind that in many cases banks will waive the annual fee for the first year.

  • Avoid paying interest

    Pay your bills on time and do not carry a balance. That is the best way to avoid paying interest. Most credit cards offer a grace period, which usually expires within 21 days of the issuance of the billing statement. So, if you pay your bill in its entirety within that timeframe, you will not be charged any interest. However, if you are already carrying a balance, try a balance transfer to a card with a 0% promotional interest rate.

FAQs

Need more info? Check out our frequently asked questions. If you have other questions, don't hesitate to leave a comment below.

  • Why do some cards charge a foreign transaction fee?

    Every time you make a purchase overseas or make a purchase that uses a foreign bank to process the transaction, you may be charged a fee of about 3 percent. The payment network which processes the purchase, like Visa or MasterCard, will get part of the fee, while the rest goes to the bank.

    This charge is ultimately just a way to make money since it has nothing to do with converting from a foreign currency to U.S. dollars. Those are known as exchange rates. If you are shopping at a retailer overseas and you use a credit card to pay in the local currency, you will get the best exchange rate. If possible, do not pay in U.S. dollars when overseas so you will get a better exchange rate.

    With the competitive credit card market, many cards have eliminated foreign transaction fees to draw in more customers, as they ultimately had nothing to do with the cost of doing business. The choices are now broader than ever when it comes to obtaining a card with no fees.

  • How was I charged a foreign transaction fee if I haven’t traveled anywhere?

    You may have made a purchase from a foreign website. Did you have something shipped to you from overseas? Anytime payment is made to a foreign bank you can be charged this fee. This is different from the exchange rate. Banks usually set the foreign transaction fees, and payment networks, like Visa and MasterCard, usually set the exchange rates.

    Credit cards that do not charge foreign transaction fees are best, and you will be sure to avoid this unnecessary cost. These fee-free cards aren’t only for those who travel since there are many cards that are great for daily use and have other benefits as well.

  • How much money can I save by using a card with no foreign transaction fee?

    If you use the typical rate of 3 percent for the foreign transaction fee, we can calculate a sum for any given budget. For example, let’s say you spend $1,000 on a hotel stay, $500 on entertainment and $500 on meals, for a total of $2,000. You would be charged $60 in foreign transaction fees.

    This is money that you don’t have to spend. Having a card with no foreign transaction fees would offer a significant savings on that one trip. And if you travel often or even just shop often at a foreign retailer, you’ll save even more. Keep in mind that cards with no foreign transaction fees are not only popular travel cards. Many everyday cards do not charge that fee either.

  • How do American chip cards work abroad?

    American and European chip technology is not exactly the same. Although American chip cards are more recognizable abroad, they generally don’t have the chip and PIN technology that overseas cards do. You may have a chip in your card, but the PIN you use to withdraw money from the ATM in the U.S. is not the same as a PINyou would use to complete a credit card transaction abroad. That’s because U.S. cards use chip and signature technology instead of chip and pin. We have the chip but still need a signature to complete transactions.

    The instances where this may be a problem is at unmanned kiosks outside the U.S., such as at foreign train stations. However, at many tourist destinations, such as the Paris Metro and the London Underground, American chip cards can be processed without an attendee. If you encounter a problem, some of these systems allow payment or ticket purchases via the internet.

  • Will a card with 0% foreign transaction fees be of benefit to me if I do not travel?

    Yes, it could save you money even if you don’t travel. It wouldn’t be as valuable to you as it would to an avid traveler, but it may come in handy.

    Did you know you do not have to travel abroad to be charged this fee? With the popularity of online shopping it is easier than you might think to purchase merchandise from a foreign retailer without even knowing it. Why take that chance? Not only are there plenty of travel credit cards that don’t charge foreign transaction fees, but also a lot of cards that are great for everyday use.

    There are cards with no foreign transaction fees that also have no annual fee, great rewards and even low promotional interest rates. There are also business credit cards with no foreign transaction fees, so whether you travel a lot or not, this benefit traverses such a broad range of cards it should be a no-brainer to have at least one in your wallet.

  • What is an international credit card?

    An international credit card is simply a credit card that can be used in other countries around the world. If you have a credit card that brandishes a well-recognized logo, such as Visa or MasterCard, it is an international credit card. American Express Credit cards, despite the name, are accepted abroad as well. But just because you have an international credit card, it does not mean that you won’t be charged foreign transaction fees. Be sure if you are traveling that you have a card that does not charge this fee. There is no point to these fees and they are unnecessary.
  • Why should I notify the bank if I am planning to travel abroad?

    You should notify the bank associated with any cards you plan use that you’ll be traveling overseas to avoid being declined due to potentially fraudulent activity. This is not likely to happen, but it is a small step to help promote security.

    This is especially important if you plan on visiting several different countries on one itinerary. I would always advise having several forms of plastic to choose from in case you’re declined, as well as having a small amount of foreign currency on you at all times.

  • What is chip and PIN technology?

    Chip and PIN technology, also known as EMV, is widely used throughout Europe and several other places, such as Canada. Although America has embraced chip cards, the technology is not exactly the same. With chip and PIN cards you use a PIN number to make a payment, whereas American chip cards still using signatures to complete transactions. However, there are some U.S. credit cards that offer chip and PIN technology, like the JetBlue Plus card and the Barclaycard Arrival Plus World Elite MasterCard. Both of these cards have no foreign transaction fees.
  • Are there debit cards that have no foreign transaction fees?

    There are some banks that do not charge foreign transaction fees on their debit cards. For instance, Capital One 360 account holders will not have to pay foreign transaction fees. However, this is not the norm. Most debit cards will charge a foreign transaction fee of about 3 percent.

    If you are withdrawing from a foreign ATM, you will probably get hit with fees from both your bank and the bank who owns the ATM. These ATM fees would be in addition to any foreign transaction fees. ATM fees can range from $1 to $5 on each side, plus you’ll pay a 3 percent fee on top of that. You could end up paying a pretty penny just for using a foreign ATM. I do recommend having a small amount of foreign currency on you at all times when traveling. However, it is better to make any possible purchases with a credit card that has no foreign transaction fees.

  • Is a credit card with no international fee the same as no foreign fees?

    In general, I would say that an international fee referenced in the context of a credit card would pertain to foreign transaction fees. However, it is good to know that even if you have a credit card with no foreign transaction fee, you may still have to pay the exchange rate if you choose to pay in U.S. dollars instead of the local currency. I am not sure why this option is even offered except to make the merchant a little extra money. I can see how people may get tricked into it if they do not know any better. They may want to know what the purchase is costing them in U.S. dollars. If this is the case, just Google it or ask the vendor. If you choose to pay in U.S. dollars, you can get hit with a poor exchange rate and potentially other fees. To avoid paying these fees, use a credit card with no foreign transaction fees and always pay in the local currency.
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