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Best Cards With No Foreign Transaction Fees

Did you know some cards charge you up to 3% on foreign transaction fees?! There are a lot of benefits to using a credit card over a debit card while abroad—like fraud protection and more—but let's make sure you have the right cards in your wallet while you're traveling to avoid these extra fees! Choosing a card with no foreign transaction fees can save you a surprising amount over the course of a trip. Plus, many travel-friendly cards come with additional perks, like trip insurance and access to airport lounges, which can make your journey even smoother.

Personal Cards

🏆 Our Most Popular Card

Chase Sapphire Preferred® Card

Annual Fee: $95

100,000Bonus Points

LIMITED TIME OFFER

Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

The Chase Sapphire Preferred card is a popular travel rewards credit card known for its excellent earning potential—we love it at Daily Drop! Cardholders can redeem their points for travel through the Chase Ultimate Rewards portal or transfer them to various airline and hotel loyalty programs for added flexibility.

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🏆 Best for Premium Travel Perks

Capital One Venture X Rewards Credit Card

Annual Fee: $395

Rates & Fees|Terms Apply

75,000Bonus Miles

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.

The Venture X (one of our favorites!) is a premium travel rewards card that offers generous earning rates on travel and dining purchases, along with a wide range of travel perks and benefits. Cardholders can enjoy flexible redemption options for their rewards, making it a popular choice for frequent travelers.

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🏆 Best for Luxury Benefits

American Express Platinum Card®

Annual Fee: $895

Rates & Fees|Terms Apply

As high as 175kBonus Points

You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

The Amex Platinum is a premium card offering a range of exclusive travel and lifestyle benefits, including access to luxury airport lounges, annual travel credits, and Membership Rewards points that can be redeemed for travel or other rewards. With a high annual fee, this card is designed for individuals who value premium perks and are frequent travelers looking to enjoy a heightened level of luxury and convenience.

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🏆 Best for Dining and Entertainment

Capital One Savor Cash Rewards Credit Card

Annual Fee: $0

Rates & Fees|Terms Apply

$250 cash bonusBonus Points

LIMITED TIME OFFER

Earn $250 Cash Back after you spend $500 on purchases within 3 months from account opening

The Capital One Savor card is tailored for foodies and entertainment enthusiasts, providing generous cash back on dining and entertainment purchases, making it perfect for those who love dining out and experiencing entertainment.

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🏆 Best for IHG Loyalists

IHG One Rewards Premier Credit Card

Annual Fee: $99

140,000 Bonus PointsBonus Points

Earn 140,000 Bonus Points after spending $3,000 in the first 3 months from account opening.

The IHG One Rewards Premier Credit Card is an excellent choice for frequent travelers and hotel enthusiasts. With this card, you can earn valuable IHG Rewards points on your everyday purchases and enjoy premium benefits like complimentary hotel nights, automatic elite status, and more, making it the perfect companion for those seeking luxury hotel experiences.

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🏆 Best for Southwest Loyalists

Southwest Rapid Rewards® Priority Credit Card

Annual Fee: $229

60,000Bonus Points

Earn 60,000 bonus points after spending $2,000 on purchases in the first 3 months from account opening.

The Southwest Rapid Rewards Priority Credit Card is a co-branded airline credit card designed for Southwest Airlines enthusiasts. It offers various travel benefits, including opportunities to earn Rapid Rewards points on purchases, an annual travel credit, and elevated loyalty status benefits, making it a top choice for those who frequently fly with Southwest Airlines.

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🏆 Best for Hyatt Free Nights

The World of Hyatt Credit Card

Annual Fee: $95

Up to 60,000 Bonus PointsBonus Points

Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

The World of Hyatt credit card provides exceptional benefits for frequent travelers, granting access to bonus points on Hyatt purchases, complimentary nights at luxurious properties, and elite status upgrades. With its generous rewards program and travel perks, this card is tailored to elevate your hotel experiences and maximize your Hyatt loyalty.

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🏆 Best for Gas Stations

Citi Strata Premier® Card

Annual Fee: $95

60,000Bonus Points

Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening.

The Citi Strata Premier is the latest and greatest card from Citi. It features solid earning rates on everyday spending categories such as air travel, hotel purchases, restaurants, supermarkets, gas, and even EV charging stations. With a low annual fee, we view it as a solid, mid-tiered card no matter if you like to earn rewards on travel or just on your everyday activities.

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🏆 Best for Restaurants

American Express® Gold Card

Annual Fee: $325

Rates & Fees|Terms Apply

As high as 100kBonus Points

You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

The American Express Gold Card is a premium card that offers lucrative rewards for dining at restaurants worldwide and U.S. supermarkets, along with valuable travel benefits, making it an excellent choice for foodies and frequent travelers. While it does come with an annual fee, the card's combination of rewards and perks can provide substantial value to those who frequently dine out and travel.

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Best for 2X on Everyday Spending

Capital One Venture Rewards Credit Card

Annual Fee: $95

75,000Bonus Miles

Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

The Capital One Venture Rewards credit card makes travel rewarding and easy. Earn miles on every purchase, which you can redeem for various travel expenses like flights, hotels, and car rentals. Plus, with no foreign transaction fees, it’s an ideal choice for international travel. If you’re looking to maximize rewards without crazy fees, this card would be a great addition to your wallet. This one continues to be a Daily Drop favorite.

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🏆 Best for Travel Credits

Chase Sapphire Reserve®

Annual Fee: $795

100,000Bonus Points

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

The Chase Sapphire Reserve® is a premium travel credit card tailored for frequent travelers seeking luxury perks and rewards. With a focus on travel benefits, this card offers a generous welcome offer, airport lounge access, travel statement credits, and valuable rewards through the Chase Ultimate Rewards program, making it an excellent choice for travelers.

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🏆 Best for Marriott Free Nights

Marriott Bonvoy Boundless® Credit Card

Annual Fee: $95

Up to 125,000 Bonus Points + 1 Free Night AwardBonus Points

Earn up to 125,000 Bonus Points + 1 Free Night Award (valued up to 50,000 points) after spending $3,000 on qualifying purchases in the first 3 months. Special Offer through 6/30/2027: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That's up to $50 in statement credits semi-annually.

The Marriott Boundless card is a low-annual-fee card that offers generous perks and benefits for Marriott loyalists. You'll earn a whopping number of points per dollar spent at Marriott properties, in addition to being gifted automatic Silver Elite status. Overall, this is an excellent card for travelers eager to get started with Marriott.

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🏆 Best for Frequent United flyers

United℠ Explorer Card

Annual Fee: $0 intro annual fee in the first year, then $150

Up to 60,000Bonus Miles

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Plus, earn an additional 10,000 bonus miles when you add an authorized user in the first 3 months your account is open.

The United Explorer Card is a co-branded airline credit card designed for individuals who frequently travel with United Airlines. It offers United MileagePlus miles for spending, a free checked bag, and other travel benefits, making it a suitable choice for those who want to earn rewards and enjoy perks when flying with United.

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🏆 Best for Aeroplan Loyalists

Aeroplan® Credit Card

Annual Fee: $95

60,000Bonus Points

Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.

The Aeroplan® Credit Card is a travel rewards credit card designed for frequent flyers and Air Canada enthusiasts. Cardholders can earn Aeroplan points for their purchases, enjoy travel benefits like free checked bags, and access exclusive Air Canada perks, making it an ideal choice for those who frequently travel with this airline.

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Citi® / AAdvantage® Executive World Elite Mastercard®

Annual Fee: $595

70,000Bonus Miles

Earn 70,000 American Airlines AAdvantage® miles after spending $7,000 within the first 3 months of account opening.

The Citi® / AAdvantage® Executive World Elite Mastercard® is a premium airline credit card designed for American Airlines enthusiasts. Cardholders can enjoy perks like Admirals Club membership, priority boarding, free checked bags, and the opportunity to earn AAdvantage miles for their everyday spending, making it a strong choice for those who frequently travel with American Airlines.

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🏆 Best for Hilton Gold Status

Hilton Honors American Express Surpass® Card

Annual Fee: $0 intro annual fee for the first year, then $150

Rates & Fees|Terms Apply

130,000Bonus Points

Enjoy a $0 intro annual fee for the first year, then $150 and earn 130,000 Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/29/26.

The Hilton Honors Surpass card is a premium hotel rewards credit card that provides Hilton enthusiasts with generous rewards, including complimentary Hilton Honors Gold status, elevated points earning potential, and a free night reward upon reaching a spending threshold. With a moderate annual fee, this card is an excellent choice for travelers who frequently stay at Hilton properties and want to enjoy enhanced benefits and substantial rewards.

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Marriott Bonvoy Bevy® American Express® Card

Annual Fee: $250

Rates & Fees|Terms Apply

85,000Bonus Points

Earn 85,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months and an extra 50,000 bonus points after you make an additional $2,000 in purchases within the first 6 months.

The Marriott Bonvoy Bevy Amex card will gift you automatic Gold Elite status at Marriott properties which can be invaluable for Marriott loyalists. Plus, you'll be given 15 elite night credits to help boost you towards reaching Platinum status with all of its additional, snazzy benefits!

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🏆 Best for Marriott Loyalists

Marriott Bonvoy Brilliant® American Express® Card

Annual Fee: $650

Rates & Fees|Terms Apply

100,000Bonus Points

Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months and an extra 50,000 bonus points after you make an additional $2,000 in purchases within the first 6 months.

The Marriott Bonvoy Brilliant American Express Card is a premium travel credit card designed for Marriott enthusiasts, offering valuable benefits such as an annual free night award, complimentary Marriott Bonvoy Platinum Elite status, and an array of travel perks, making it an excellent choice for frequent Marriott guests. While it comes with an annual fee, the card provides significant value for those who enjoy staying at Marriott properties and want to enhance their travel experience.

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🏆 Best for Delta Loyalists

Delta SkyMiles® Reserve American Express Card

Annual Fee: $650

Rates & Fees|Terms Apply

Up to 125,000 Bonus Miles

LIMITED TIME OFFER

Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 07/15/2026.

The Delta SkyMiles Reserve American Express Card is a premium travel credit card tailored for frequent Delta Air Lines travelers, offering luxurious benefits like access to Delta Sky Club, priority boarding, and an annual companion certificate, along with the ability to earn and redeem SkyMiles for flights. With a higher annual fee, this card is designed for travelers who value exclusive airport experiences and are committed to maximizing their Delta loyalty.

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Business Cards

🏆 Best Chase Welcome Offer

Ink Business Preferred® Credit Card

Annual Fee: $95

100,000Bonus Points

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

The Ink Business Preferred® Credit Card is a premier choice for small business owners seeking rewards and travel benefits. This card offers generous points on business expenses, including travel and advertising, and provides other valuable perks such as flexible redemption options, making it a top pick for those looking to maximize their business spending.

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🏆 Best Luxury Business Card

The Business Platinum Card® from American Express

Annual Fee: $895

Rates & Fees|Terms Apply

As High As 300,000Bonus Points

Apply to find out your offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 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.

The Business Platinum card is a premium business credit card offering a range of exclusive travel and business benefits, including airport lounge access, annual airline fee credits, and 5X Membership Rewards points on flights and prepaid hotels through American Express Travel®. With a higher annual fee, this card is designed for businesses looking to elevate their travel experience and enjoy a suite of luxury perks.

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Which Card is Right for You?

If you’re a frequent international traveler, a credit card with no foreign transaction fees is a must. These cards allow you to spend abroad without worrying about extra charges tacked onto each purchase. Look for cards that also earn rewards on international travel or dining, which can enhance your earning potential when you're outside the U.S. If you travel often, it’s worth considering cards that also offer travel protections or perks like lounge access or insurance coverage.

Other Ways to Earn

Cards with no foreign transaction fees often come with other travel-friendly perks. You can earn points on dining, travel, and international purchases without the worry of those pesky fees. Some cards offer bonus categories on worldwide travel, so whether you're booking flights, hotels, or transportation abroad, you’re racking up extra points. Pair that with other benefits like airport lounge access or hotel elite status for a complete travel package.

Pros and Cons

Pros

With no foreign transaction fees, you’ll save 3% or more on every international purchase

These cards also tend to offer competitive rewards on travel and dining

The convenience of paying in local currency without any additional charges makes these cards perfect for frequent international travelers

Many cards also come with perks like travel insurance, rental car coverage, or trip delay reimbursement

Cons

Might come with higher annual fees than other credit cards

Might not have the best perks for those who primarily spend domestically

FAQs

What does it mean if a card has no foreign transaction fees?

A card with no foreign transaction fees allows you to make purchases abroad without the standard fee many other cards charge for foreign currency transactions. This can save you money when shopping or dining internationally. Be sure to check whether or not your card waives these fees, as they can add up quickly.

Do all travel cards offer no foreign transaction fees?

No, not all travel cards waive foreign transaction fees. It’s important to check the terms before applying, especially if you plan to use the card outside the U.S. Cards that do offer this perk are typically designed for frequent travelers.

Can I use a card with no foreign transaction fees anywhere in the world?

Yes, you can use a card with no foreign transaction fees anywhere your card's payment network (like Visa or Mastercard) is accepted. This makes it ideal for international travel and online purchases from foreign retailers.

Do I earn rewards on international purchases with these cards?

Many cards with no foreign transaction fees allow you to earn rewards on all purchases, including those made internationally. Some even offer bonus points on specific categories like travel or dining abroad.

How do exchange rates work with no foreign transaction fee cards?

When you use a card with no foreign transaction fees, your purchases are converted to U.S. dollars using the exchange rate set by the payment network (Visa, Mastercard, etc.). The absence of fees means you won’t pay anything extra on top of the exchange rate.

Why Trust Daily Drop?

At Daily Drop, our editorial team is made up of seasoned travel and credit card experts who have spent years mastering travel rewards and testing the best strategies firsthand. Founder Nate Buchanan, of Kara and Nate, has personally earned and redeemed millions of points and miles over the past 10+ years, saving tens of thousands of dollars on travel. Our team shares similar hands-on experience, ensuring our recommendations are practical, tested, and built on real-world knowledge. After all, we wouldn’t be Daily Drop if we weren’t practicing what we preach.

Our independent reviews break down rewards, perks, fees, and overall value to help you make informed decisions. We also analyze audience data, considering reader engagement and trends, so our recommendations reflect what actually matters to you.

While we may earn a commission if you apply for a card through our site, our opinions are our own — based solely on expert analysis and firsthand experience, not influenced by any bank, credit card issuer, hotel, airline, or other entity. Our goal is simple: helping you maximize your rewards and travel smarter.

Read our full methodology for more information.

Authors

Written by: McKay Moffitt

Writer

Edited by: Tiffany Eastham

Writer & Editor

Updated:Apr 27, 2025