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Best Credit Cards with No Foreign Fee of 2017

Jennifer Blocker
Updated on: 07/04/2017

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 he 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.

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.

Discover it® Miles Card
Discover it® Miles Card
How to Apply

To apply for this offer please contact
Discover Bank

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 1.5Miles on Airfare purchases
  • 1.5Miles on Hotels
  • 1.5Miles on Gas
  • 1.5Miles on All Other Purchases
Annual Fee
$0
Discover it® Miles Rewards
Rating
95
  • Unlimited 1.5x rewards on every purchase offer

    • Unlimited 1.5x rewards on every purchase offer
    • Miles earned are matched at the end of the first year of cardmembership.
    • We will reimburse up to $30 of your in-flight Wi-Fi purchases each year with automatic credits to your statement.
  • No Foreign Transaction Fee

Travel Benefits

$30 In-Flight Wi-Fi Access

You will be reimbursed for up to $30 in purchases of wireless internet access on an aircraft per anniversary year. The statement credit will be issued for the purchase amount in U.S. dollars within seven business days.

No Foreign Transaction Fees

The Discover miles card does not charge foreign transaction fees so you can rest easy when you are abroad.

Why should you get this card?

  • Great Earning Potential: You always earn 1.5 miles per dollar spent, which equates to 1.5 percent cash back. Don’t settle for 1 percent! The Discover it Miles card is better.
  • Miles Can be Redeemed for Anything: You don’t have to wait until you have travel coming up to use your miles. Even though the Discover it Miles card earns Miles, it is a cash back card.
  • Miles Doubled for the First Year: At the end of your first year as a card member, Discover will match all of the miles you’ve earned!
  • $30 in Annual Wi-Fi Credits: Next time you have a long flight you can purchase Wi-Fi and have Discover cover the cost up to $30 per year.

Our Expert's Conclusion

The Discover it Miles card is wonderful for two types of people. The first, and most obvious, is for someone looking for a single credit card that’s easy to use and that can do it all. The Discover it Miles card is a great option because it earns 1.5 miles per dollar spent on all purchases and redemptions areone cent per mile toward any purchase. Plus thereare a couple of other nice benefits, like $30 in annual Wi-Fi credits and no foreign transaction fees. As a no-fee card, all of that is essentially free.

The second type of person that the Discover it Miles card is a great option for is someone who is looking to truly maximize rewards. The Discover it is basically a no-brainer for the first year because all miles are doubled , meaning that it effectively earns 3 miles per dollar spent (1.5 when you purchase and 1.5 at the end of the year). After the first year it deserves a spot in the wallet of someone who wants to maximize rewards for purchases not included in the bonus earning categories of their other rewards credit cards.

  • Get unlimited 1.5x Miles on every dollar you spend on purchases.
  • No annual fee.
  • We'll match all the Miles you've earned at the end of your first year (new cardmembers only). For example, 30,000 Miles turns to 60,000 Miles.
  • No blackout dates. Fly any airline, any time.
  • We will reimburse up to $30 of your in-flight Wi-Fi purchases each year with automatic credits to your statement.
  • Freeze ItSM on/off switch for your account.
  • Keep tabs on your FICO® Score.
  • You can always count on 100% US-based customer service, anytime. We will not waste your time selling you other products when you call us.
  • Your Miles never expire.
VentureOne® Rewards Credit Card
VentureOne® Rewards Credit Card
How to Apply

To apply for this offer please contact
Capital One®

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 1.25Miles on Travel, Dining and Car Rental
  • 1.25Miles on Gas
  • 1.25Miles on Hotels
  • 1.25Miles on All Other Purchases
Annual Fee
$0
Venture® Rewards
Rating
93
  • 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months.
  • No Foreign Transaction Fee
  • +No cap to the amount of rewards 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.

  • One-time bonus of 20,000 miles—equal to $200 in travel—once you spend $1,000 on purchases within the first 3 months.
  • Earn unlimited 1.25X miles—that's 1.25 miles for every dollar you spend on purchases. 100 miles is equal to $1 in travel rewards.
  • Use your VentureOne® card to make travel purchases on any website or app—any airline, any hotel, rental cars and more.
  • Annual Fee $0.
  • Once you make a travel purchase with VentureOne, redeem your miles as a statement credit toward the cost. Your rewards don't expire.
  • No foreign transaction fees.
  • You're covered by $0 Fraud Liability if your card is ever lost or stolen.
  • Get 10% off thousands of hotels on HotelTonight through January 2017.
Discover it® - Cashback Match™
Discover it® - Cashback Match™
How to Apply

To apply for this offer please contact
Discover Bank

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • %5% in rotating categories each quarter like Gas, Dining, Amazon.com, Wholesale Clubs and more
  • %1% on Travel
  • %1% on Groceries
  • %1% on All Other Purchases
Annual Fee
$0
Cashback Bonus®
Rating
96
  • Up to 5% cash back offer

    • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year
  • No Foreign Transaction Fee

Travel Benefits

No Foreign Transaction Fee:

You won’t be hit with any additional fees for using your Discover card while traveling internationally.

Why should you get this card?

  • Cashback Match: After your first year, Discover will double all of the cash back you earned with no cap!
  • Good Earning Potential: The Discover it card earns 5% back on quarterly rotating categories that include things like dining and gas stations, and 1% back on all other purchases.
  • Hassle-Free Redemptions: Your cash back is worth what you think it is, and there are no minimums or category restrictions to your redemptions.
  • No Annual Fee: You’ll never have to pay anything for this card. That means all the rewards you earn are essentially free. How can you beat that?

Our Expert's Conclusion

Discover it is a solid credit card that should be in just about everybody’s wallet. The card offers a great five percent return on categories that rotate quarterly, and one percent back on all other purchases. The first year as a cardholder can be really good for your bank account because all the rewards you earn will be doubled by Discover, with no limit!

In addition to being a great everyday earner, the Discover it card doesn’t have an annual fee and doesn’t charge foreign transaction fees if you want to use the card abroad. Redeeming cash back is super simple with no minimum redemption amount and no restrictions about what you can use the cash back for.

  • Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • 1% cash back on all other purchases.
  • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year.
  • Redeem your rewards for cash in any amount, anytime.
  • Your cash back never expires.
  • $0 Fraud Liability.
  • No foreign transaction fee.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
Premier Dining Rewards From Capital One
Premier Dining Rewards From Capital One
How to Apply

To apply for this offer please contact
Capital One®

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • %3% on Dining
  • %2% on Groceries
  • %1% on Gas
  • %1% on All Other Purchases
Annual Fee
$0
Capital One® Cash Back Rewards
Rating
97
  • $100 bonus after you spend $500 on purchases within the first 3 months
  • No Foreign Transaction Fee
  • +Rewards don't expire

Travel Benefits

No Foreign Transaction Fee:

You won’t be hit with any additional fees for using your Discover card while traveling internationally.

Why should you get this card?

  • Great Earning Potential: You’ll earn 0 % back at restaurants, 0 % back at grocery stores and 0 % back for all other purchases.
  • No Foreign Transaction Fees: Don’t worry about extra costs adding up when you’re traveling abroad because the Premier Dining Rewards card won’t charge you extra to use your card.
  • Solid Sign-Up Bonus: Earn $0 after spending at least $500 during your first 3 months as a card member.
  • No Minimum Redemption:Most cashback credit cards require a minimum redemption, but not this one! Redeem as much as you want, whenever you are ready.

Our Expert's Conclusion

The Premier Dining Rewards card might be a good option for some people, especially those who eat out often. The ability to earn three percent cash back at restaurants with a no annual fee card is pretty solid. And the fact that it also comes with a decent sign-up bonus makes the deal even sweeter! The card also offers two percent back at grocery stores and one percent back on all other purchases.

The benefit that really puts this cashback card ahead of others is the fact that there is no minimum for your redemptions and you don’t need to redeem for specific purchases. Additionally, no foreign transaction fees are charged on purchases made abroad, which makes this a good card for your wallet while traveling.

  • Earn a one-time bonus of $100 once you spend $500 on purchases within the first 3 months.
  • 3% cash back on purchases made at dining establishments.
  • 2% cash back at grocery stores.
  • 1% cash back on all other purchases.
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime.
  • No foreign transaction fees.
  • Fraud coverage.
  • Security Alerts.
  • Extended warranty.
  • Complimentary concierge service.
  • Identity Theft resolution services.
  • Travel upgrades and savings.
  • Travel protection.
  • Price protection.
Citi ThankYou® Premier Card
Citi ThankYou® Premier Card
How to Apply

To apply for this offer please contact
Citibank

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 3xPoints on Travel, Gas, Airfare, Hotels, Cruises, Car rental and Railways
  • 2xPoints on Dining and Entertainment
  • 1xPoints on Groceries
  • 1xPoints on All Other Purchases
Annual Fee
$0 first year, then $95
ThankYou®
Rating
93
  • 30,000 points after you spend $3,000 in the first 3 months
    • 25% more points when redeemed through the ThankYou® Travel Center
  • No Foreign Transaction Fee

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?

  • Sign-Up Bonus: Earn 0 Citi ThankYou points worth at least $375 in travel, all without paying an annual fee for the first year.
  • 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 12 airline transfer partners.

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 30,000 bonus points after making $3,000 in purchases within the first 3 months of account opening.
  • 3 ThankYou Points per $1 spent on travel including gas, airfare, hotels, cruises, car rental agencies, travel agencies, railways, public transportation, tolls, taxis, parking and much more.
  • 2 ThankYou Points per $1 spent on dining out and entertainment.
  • 1 ThankYou Points on other purchases.
  • ThankYou® Points are worth 25% more when redeemed for airfare through the ThankYou® Travel Center, as compared to gift cards redeemed from the ThankYou® Rewards collection.
  • No foreign transaction fees on purchases.
  • Annual Fee $95(Fee waived for the first 12 months).
  • No expiration and no limit on the number of points you can earn.
  • Transfer points to a variety of travel loyalty programs from airlines to hotels.
British Airways Visa Signature® Card
British Airways Visa Signature® Card
How to Apply

To apply for this offer please contact
Chase Bank

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 3xMiles on British Airways Purchases
  • 1xMiles on Dining
  • 1xMiles on Gas
  • 1xMiles on All Other Purchases
Annual Fee
$95
Executive Club
Rating
79
  • 50,000 Avios after you spend $3,000 in the first 3 months
    • 25,000 bonus Avios after you spend $10,000 on purchases or 50,000 bonus Avios after you spend a total of $20,000 on purchases within your first year of account opening
  • No Foreign Transaction Fee
  • +Lost Luggage Reimbursement

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.

  • Earn 50,000 bonus Avios after you spend $3,000 on purchases with the first 3 months of account opening. Plus earn an additional 25,000 bonus Avios after you spend $10,000 on purchases or 50,000 bonus Avios after you spend a total of $20,000 on purchases within your first year of account opening.
  • Earn 3 Avios for every dollar spent on British Airways purchases.
  • Earn 1 Avios for every $1 spent on all other purchases.
  • No foreign transaction fees.
  • Travel together ticket.
American Express® Gold Card
American Express® Gold Card
How to Apply

To apply for this offer please contact
American Express

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 2xPoints on Airfare and Dining
  • 1xPoints on Travel
  • 1xPoints on Gas
  • 1xPoints on All Other Purchases
Annual Fee
$0 first year, then $160
Membership Rewards®
Rating
93
  • No Foreign Transaction Fee

Travel Benefits

No Foreign Transaction Fees:

You’ll never pay a fee to use this card, even while traveling abroad.

Why should you get this card?

  • The Hotel Collection: Cardholders earn 2X Membership Rewards points on stays at The Hotel Collection properties booked via American Express Travel. Those who book two or more consecutive nights will receive a $75 credit per room that they can spend on dining, spa and resort activities. Additionally, the benefit includes room upgrades, based on availability at check-in.
  • Earning Potential: You’ll get bonus points on airfare booked directly with airlines and for dining at U.S. restaurants. Uber rides also earn double if tie your Amex card to your account. These are categories in which domestic travelers often spend the most, and there’s no cap on other everyday spending.
  • Amex Offers: Amex Offers is a program designed specifically for American Express cardholders that allows them to save money with participating merchants. The limited-time offers are connected to your Amex card. Once you enroll in the offer, you get statement credits after spending requirements are met. Depending on how often you shop with participating stores and dining establishments, it’s possible to save hundreds of dollars annually with Amex Offers.
  • No Foreign Transaction Fees: Foreign transaction fees, which are typically applied to purchases made outside the U.S., can be as high as 3 percent per transaction. Carrying a card, like the Amex Gold, that waives those fees can save globetrotters quite a bit of money.

Our Expert's Conclusion

If you’re looking for a card that waives the annual fee for the first year, offers rewards multipliers for select categories of purchases and earns flexible points, then the Gold Card from American Express is a decent choice. Card members who mostly travel domestically and frequently eat out at U.S. restaurants will benefit most from the card.

The rewards are flexible. They can be redeemed through American Express Travel and with Amex’s airline and hotel partners. Merchant gift cards and statement credits are also an option, though they aren’t as valuable. Having access to different redemption options means your rewards are safe when individual loyalty programs devalue their currencies.

  • 2X points for flights booked directly with airlines.
  • 2X points at U.S. restaurants.
  • 1X points on other purchases.
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment.
  • 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.
  • $0 intro annual fee for the first year of Card Membership, then $160.
  • No interest charges because you pay your balance in full each month.
  • No Foreign Transaction Fees.
Barclaycard Arrival Plus™ World Elite MasterCard®
Barclaycard Arrival Plus™ World Elite MasterCard®
How to Apply

To apply for this offer please contact
Barclaycard

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 2xMiles on Travel, Dining and Car Rental
  • 2xMiles on Gas
  • 2xMiles on Hotels
  • 2xMiles on All Other Purchases
Annual Fee
$0 first year, then $89
Barclaycard Arrival Rewards
Rating
93
  • 50,000 bonus miles after you spend $3,000 in the first 90 days
    • 5% miles back to use toward your next redemption, everytime you redeem
  • No Foreign Transaction Fee

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 $500 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 50,000 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.

  • 50,000 bonus miles after spending $3,000 on purchase in the first 90 days.
  • Earn 2X miles on all purchases.
  • Get 5% miles back to use toward your next redemption, every time you redeem.
  • Miles don't expire as long as your account is open, active and in good standing.
  • No foreign transaction fees on anything you buy while in another country.
  • Redeem your miles for travel statement credits starting at 10,000 miles for $100 toward all or a portion of your travel purchase of $100 or more made within the past 120 days.
  • 0% introductory APR for the first twelve billing cycles following each balance transfer that posts to your account within 45 days of account opening.
  • $89 annual fee waived for the first year.

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
Discover it® - Cashback Match™

Discover it® - Cashback Match™

Bonuses & Rewards
  • match all the rewards at the end of first year
  • $240 for everyday spend.
First Year Rewards
$480
FEES
-$0
RE® value
$480
How to Apply

To apply for this offer please contact
Discover Bank

More Details
Discover it® Miles Card

Discover it® Miles Card

Bonuses & Rewards
  • match all the rewards at the end of first year
  • 36,000 miles for everyday spend.
First Year Rewards
$720
FEES
-$0
RE® value
$720
How to Apply

To apply for this offer please contact
Discover Bank

More Details
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
How to Apply

To apply for this offer please contact
Barclaycard

More Details
Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

Bonuses & Rewards
  • 25,000 Starpoints® sign-up bonus.
  • 24,000 Starpoints® for everyday spend.
First Year Rewards
$941
FEES
-$0
RE® value
$941
How to Apply

To apply for this offer please contact
American Express

More Details
Marriott Rewards® Premier Credit Card

Marriott Rewards® Premier Credit Card

Bonuses & Rewards
  • 80,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$957
FEES
-$85
RE® value
$872
How to Apply

To apply for this offer please contact
Chase Bank

More Details
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
How to Apply

To apply for this offer please contact
Citibank

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
How to Apply

To apply for this offer please contact
Bank of America

More Details
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
How to Apply

To apply for this offer please contact
Barclaycard

Citi® / AAdvantage® Executive World Elite™ MasterCard®

Citi® / AAdvantage® Executive World Elite™ MasterCard®

Bonuses & Rewards
  • 75,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,694
FEES
-$450
RE® value
$1,244
How to Apply

To apply for this offer please contact
Citibank

CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®

CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®

Bonuses & Rewards
  • 30,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$892
FEES
-$0
RE® value
$892
How to Apply

To apply for this offer please contact
Citibank

More Details
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
How to Apply

To apply for this offer please contact
Bank of America

Premier Dining Rewards From Capital One

Premier Dining Rewards From Capital One

Bonuses & Rewards
  • $100 sign-up bonus.
  • $240 for everyday spend.
First Year Rewards
$340
FEES
-$0
RE® value
$340
How to Apply

To apply for this offer please contact
Capital One®

More Details
Gold Delta SkyMiles® Credit Card

Gold Delta SkyMiles® Credit Card

Bonuses & Rewards
  • 30,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$910
FEES
-$0
RE® value
$910
How to Apply

To apply for this offer please contact
American Express

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Amtrak Guest Rewards® World Mastercard®

Amtrak Guest Rewards® World Mastercard®

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  • 20,000 points sign-up bonus.
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First Year Rewards
$440
FEES
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RE® value
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How to Apply

To apply for this offer please contact
Bank of America

Citi ThankYou® Premier Card

Citi ThankYou® Premier Card

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  • 30,000 points sign-up bonus.
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First Year Rewards
$826
FEES
-$0
RE® value
$826
How to Apply

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Citibank

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Barclaycard Arrival Plus™ World Elite MasterCard®

Barclaycard Arrival Plus™ World Elite MasterCard®

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
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First Year Rewards
$1,031
FEES
-$0
RE® value
$1,031
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Barclaycard

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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
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Chase Bank

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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
How to Apply

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Chase Bank

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Platinum Delta SkyMiles® Credit Card

Platinum Delta SkyMiles® Credit Card

Bonuses & Rewards
  • 35,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,035
FEES
-$195
RE® value
$840
How to Apply

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American Express

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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
How to Apply

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American Express

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United MileagePlus® Club Card

United MileagePlus® Club Card

Bonuses & Rewards
  • 0 miles sign-up bonus.
  • 36,000 miles for everyday spend.
First Year Rewards
$733
FEES
-$450
RE® value
$283
How to Apply

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Chase Bank

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United MileagePlus® Explorer Card

United MileagePlus® Explorer Card

Bonuses & Rewards
  • 40,000 miles sign-up bonus.
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First Year Rewards
$1,087
FEES
-$95
RE® value
$992
How to Apply

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Chase Bank

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Chase Sapphire Reserve℠

Chase Sapphire Reserve℠

Bonuses & Rewards
  • 50,000 points sign-up bonus.
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$1,632
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-$450
RE® value
$1,182
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Chase Bank

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Venture® Rewards Credit Card

Venture® Rewards Credit Card

Bonuses & Rewards
  • 40,000 miles sign-up bonus.
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First Year Rewards
$880
FEES
-$0
RE® value
$880
How to Apply

To apply for this offer please contact
Capital One®

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British Airways Visa Signature® Card

British Airways Visa Signature® Card

Bonuses & Rewards
  • 50,000 Avios sign-up bonus.
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$1,228
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-$95
RE® value
$1,133
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To apply for this offer please contact
Chase Bank

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VentureOne® Rewards Credit Card

VentureOne® Rewards Credit Card

Bonuses & Rewards
  • 20,000 miles sign-up bonus.
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First Year Rewards
$500
FEES
-$0
RE® value
$500
How to Apply

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Capital One®

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Priceline Rewards™ Visa® Card

Priceline Rewards™ Visa® Card

Bonuses & Rewards
  • 5,000 points sign-up bonus.
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First Year Rewards
$323
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-$0
RE® value
$323
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Barclaycard

American Express® Gold Card

American Express® Gold Card

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  • 0 points sign-up bonus.
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First Year Rewards
$434
FEES
-$0
RE® value
$434
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American Express

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Wyndham Rewards® Visa® Card

Wyndham Rewards® Visa® Card

Bonuses & Rewards
  • 15,000 points sign-up bonus.
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First Year Rewards
$281
FEES
-$0
RE® value
$281
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Barclaycard

JetBlue® MasterCard®

JetBlue® MasterCard®

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  • 5,000 points sign-up bonus.
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First Year Rewards
$487
FEES
-$0
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$487
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Barclaycard

Princess Cruises® Rewards Visa® Card

Princess Cruises® Rewards Visa® Card

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  • 5,000 points sign-up bonus.
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$290
FEES
-$0
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$290
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Barclaycard

Quicksilver® Cash Rewards Credit Card

Quicksilver® Cash Rewards Credit Card

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  • $100 sign-up bonus.
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First Year Rewards
$460
FEES
-$0
RE® value
$460
How to Apply

To apply for this offer please contact
Capital One®

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

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

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  • 30,000 miles sign-up bonus.
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First Year Rewards
$892
FEES
-$0
RE® value
$892
How to Apply

To apply for this offer please contact
Citibank

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Carnival™ World MasterCard®

Carnival™ World MasterCard®

Bonuses & Rewards
  • 10,000 FunPoints® sign-up bonus.
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First Year Rewards
$340
FEES
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Barclaycard

Citi Prestige® Card

Citi Prestige® Card

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  • 40,000 points sign-up bonus.
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First Year Rewards
$1,165
FEES
-$450
RE® value
$715
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Citibank

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Amazon Rewards Visa Signature Card

Amazon Rewards Visa Signature Card

Bonuses & Rewards
  • 0 points sign-up bonus.
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First Year Rewards
$240
FEES
-$0
RE® value
$240
How to Apply

To apply for this offer please contact
Chase Bank

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NHL® Discover it® Card

NHL® Discover it® Card

Bonuses & Rewards
  • match all the rewards at the end of first year
  • $240 for everyday spend.
First Year Rewards
$480
FEES
-$0
RE® value
$480
How to Apply

To apply for this offer please contact
Discover Bank

The Hyatt Credit Card

The Hyatt Credit Card

Bonuses & Rewards
  • 40,000 points sign-up bonus.
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First Year Rewards
$1,069
FEES
-$75
RE® value
$994
How to Apply

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Chase Bank

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The Ritz-Carlton Rewards® Credit Card

The Ritz-Carlton Rewards® Credit Card

Bonuses & Rewards
  • 0 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$660
FEES
-$450
RE® value
$210
How to Apply

To apply for this offer please contact
Chase Bank

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FlexPerks® Gold American Express® Card

FlexPerks® Gold American Express® Card

Bonuses & Rewards
  • 30,000 FlexPoints® sign-up bonus.
  • 24,000 FlexPoints® for everyday spend.
First Year Rewards
$1,130
FEES
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RE® value
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U.S. Bank

BankAmericard Travel Rewards® Credit Card

BankAmericard Travel Rewards® Credit Card

Bonuses & Rewards
  • 20,000 points sign-up bonus.
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First Year Rewards
$560
FEES
-$0
RE® value
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Bank of America

FlexPerks® Travel Rewards Visa Signature® Card

FlexPerks® Travel Rewards Visa Signature® Card

Bonuses & Rewards
  • 20,000 FlexPoints® sign-up bonus.
  • 24,000 FlexPoints® for everyday spend.
First Year Rewards
$880
FEES
-$0
RE® value
$880
How to Apply

To apply for this offer please contact
U.S. Bank

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Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

Bonuses & Rewards
  • 25,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$987
FEES
-$0
RE® value
$987
How to Apply

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American Express

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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
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Bank of America

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
How to Apply

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Barclaycard

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 100,000 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 Express, 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 FAQ. If you have any questions, don't hesitate to get in touch with us.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.
  • 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.

  • 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.
  • 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.

  • 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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