No Foreign Transaction Fee Credit Cards
Foreign transaction fees can add 3% to every purchase abroad — but they're completely avoidable. We've compared the best credit cards with no foreign transaction fees so you can swipe overseas without the surcharge, whether you're traveling for business or pleasure.
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Top Picks
Mastercard
Rewards
Travel
Balance Transfer
No Annual Fee
No Foreign Fees
0% Intro APR
Credit Score
680
850
Good - Excellent
Intro Offer
Earn 20000 Miles
once you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Rewards Rate
1.25 Miles per dollar on every purchase, every day
Foreign Fee
0%
Purchase APR
0% for 15 mo
Balance Transfer
0% for 15 mo
Regular APR
18.49% - 28.49% (Variable)
Apply Now
On Capital One®'s website
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- $0 annual fee and no foreign transaction fees
- Earn unlimited 1.25X miles on every purchase, every day
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- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
AMEX
Rewards
Travel
No Foreign Fees
Business
Credit Score
680
850
Good - Excellent
Intro Offer
As High As 200,000 points. Find Out Your Offer.
You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual Fee
$375
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
17.74% - 28.49% Variable
Apply Now
On American Express Business's website
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
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- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- Terms Apply
Rates & fees apply. View the
Rates & Fees.
Mastercard
No Annual Fee
No Foreign Fees
Credit Score
300
620
Bad - Limited
Annual Fee
$0
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
Apply Now
On Capital One®'s website
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
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- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
AMEX
Rewards
Travel
No Foreign Fees
Business
Credit Score
680
850
Good - Excellent
Intro Offer
130,000
Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
Annual Fee
$195
Rewards Rate
80%
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
19.49% - 28.49% Variable
Apply Now
On American Express Business's website
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
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- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
- Terms apply.
Rates & fees apply. View the
Rates & Fees.
VISA
Rewards
Travel
No Foreign Fees
Credit Score
720
850
Excellent
Intro Offer
Earn 75000 Miles
when you spend $4,000 on purchases in the first 3 months from account opening
Annual Fee
$395
Rewards Rate
2 Miles per dollar on every purchase, every day
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
19.49% - 28.49% (Variable)
Apply Now
On Capital One®'s website
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
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- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
VISA
No Annual Fee
No Foreign Fees
Credit Score
300
680
Limited - Fair
Annual Fee
$0
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
Apply Now
On Capital One®'s website
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
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- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
AMEX
Rewards
Travel
No Foreign Fees
Credit Score
680
850
Good - Excellent
Intro Offer
As High As 80,000 Bonus Miles. Find Out Your Offer.
You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Annual Fee
$0 introductory annual fee for the first year, then $150.
Rewards Rate
15%
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
19.49%-28.49% Variable
Apply Now
On American Express Consumer Cards's website
- You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Enjoy a $0 introductory annual fee for the first year, then $150.
- Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
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- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
- Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta flight.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
- Terms Apply.
Rates & fees apply. View the
Rates & Fees.
Mastercard
Rewards
Travel
No Foreign Fees
Gas
Dining
Credit Score
680
850
Good - Excellent
Intro Offer
$4,000
Annual Fee
$95
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
19.49% - 27.49% (Variable)
Apply Now
On Citi's website
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
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- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Rates & fees apply. View the
Rates & Fees.
AMEX
Rewards
No Foreign Fees
Credit Score
680
850
Good - Excellent
Intro Offer
$1,500 Cash Back
Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.
Annual Fee
$295
Rewards Rate
Up to 5%
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
17.74% - 28.49% Variable
Apply Now
On American Express Business's website
- Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.
- Start saving while you spend. Get unlimited 2% cash back* in Reward Dollars on all eligible purchases. *Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get more for your travels with 5% cash back* on flights and prepaid hotel bookings through American Express Travel® Online. Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate.
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- No Preset Spending Limit. The spending limit on this Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way.
- Your business, your choice: metal Employee Graphite™ Business Cash Unlimited Card for $95 Annual Fee for the first 5 Cards, $95 Annual Fee for each thereafter, or plastic Employee Business Expense Card for no Annual Fee.
- Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees** after spending $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card this calendar year. Terms apply. **Monthly fees include an auto-renewing platform access fee.
- Terms apply.
Rates & fees apply. View the
Rates & Fees.
Mastercard
Rewards
Travel
No Foreign Fees
Credit Score
680
850
Good - Excellent
Intro Offer
$6,000
Annual Fee
$595
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
20.49% - 28.49% (Variable)
Apply Now
On Citi's website
- Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
- Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
- Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
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- Earn 1.5 Points per $1 spent on All Other Purchases
- Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
- No Foreign Transaction Fees
Rates & fees apply. View the
Rates & Fees.
Editorial Note: Opinions expressed here are the author's alone. This content has not been reviewed, approved, or otherwise endorsed by any credit card issuer. Rates and fees are subject to change; always verify on the issuer's website.
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