Best no foreign transaction fee credit cards of 2024

You could save 1% to 3% per transaction when traveling abroad. Get matched to credit cards from our partners based on your unique credit profile.

Travel with peace of mind

Enjoy your trip without worrying about unexpected transaction fees.

Protect yourself from fraud

Get more protection from unauthorized charges than with cash or a debit card.

Earn rewards for your spending

Pick a card with rewards to help you cover travel costs or save up for future trips.

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All no foreign transaction fee credit cards

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Annual percentage rate (APR)

The APR on credit cards is simply the interest rate the card issuer charges when you don't pay off your balance in full each month—it doesn't include the card's annual fees or other fees you may be charged for using your card. There are several types of APR that can apply to credit cards including purchase, balance transfer and cash advance.

Intro bonus

A credit card intro bonus, also called a welcome bonus, is a benefit that credit card issuers offer new cardholders when they're approved for the new card. While some intro bonuses offer automatic rewards upon approval, most require you to spend a certain amount on eligible purchases in a given timeframe to qualify. Look for cards with a high intro bonus and a low spending requirement.

Rewards

Cash back credit cards reward you with cash equal to a percentage of each dollar you spend, which may be a rate of 1% to 2%. Some cash back cards offer rewards for spending in categories such as gas, groceries and dining at a significantly higher rate—3% to 6%, for example. Look for rewards that align with what you spend the most on.

Annual fee

Some credit cards have an annual fee which you'll pay when you first receive the card and at each cardholder anniversary. Take the cost of an annual fee into account when considering which options will benefit you the most over the course of a year.

Hilton Honors American Express Card

Intro bonus:

Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.

Rewards:

3x-7x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$0

AvantCard logo.

AvantCard

Intro bonus:

N/A*

Rewards:

2% (cash back)

Ongoing APR:

29.74%* Variable

Annual Fee:

$0*

Wells Fargo Autograph℠ Card

Intro bonus:

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

Rewards:

1x-3x (Points per dollar)

Ongoing APR:

20.24%, 25.24%, or 29.99% Variable APR

Annual Fee:

$0

American Express® Gold Card

Intro bonus:

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Rewards:

1x-4x (Points per dollar)

Ongoing APR:

See Pay Over Time APR

Annual Fee:

$250

The Platinum Card® from American Express

Intro bonus:

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

Rewards:

1x-5x (Points per dollar)

Ongoing APR:

See Pay Over Time APR

Annual Fee:

$695

AvantCard logo.

AvantCard

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

35.99%* Variable

Annual Fee:

$39*

Marriott Bonvoy Bevy™ American Express® Card logo.

Marriott Bonvoy Bevy™ American Express® Card

Intro bonus:

Earn 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.

Rewards:

2x-6x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$250

Costco Anywhere Visa® Card by Citi logo.

Costco Anywhere Visa® Card by Citi

Intro bonus:

N/A*

Rewards:

1%-4% (cash back)

Ongoing APR:

20.49% (Variable)

Annual Fee:

$0

Delta SkyMiles® Platinum American Express Card

Intro bonus:

Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership

Rewards:

1x-3x (Miles per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$350

Marriott Bonvoy Brilliant® American Express® Card

Intro bonus:

Earn 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Rewards:

2x-6x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$650

Capital One VentureOne Rewards for Good Credit

Intro bonus:

N/A

Rewards:

1.25x-5x (Miles per dollar)

Ongoing APR:

29.99% (Variable)

Annual Fee:

$0

Capital One QuicksilverOne Cash Rewards Credit Card

Intro bonus:

N/A*

Rewards:

1.5%-5% (cash back)

Ongoing APR:

29.99% (Variable)

Annual Fee:

$39

Capital One Venture Rewards Credit Card

Intro bonus:

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

Rewards:

2x-5x (Miles per dollar)

Ongoing APR:

19.99% - 29.99% (Variable)

Annual Fee:

$95

Capital One VentureOne Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1.25x-5x (Miles per dollar)

Annual Fee:

$0

Capital One Venture X Rewards Credit Card

Intro bonus:

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

Rewards:

2x-10x (Miles per dollar)

Ongoing APR:

19.99% - 29.99% (Variable)

Annual Fee:

$395

Credit One Bank Wander® Card

Intro bonus:

N/A

Rewards:

1x-10x (Points per dollar)

Ongoing APR:

29.74% Variable

Annual Fee:

$95

AvantCard logo.

AvantCard

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

35.99%* Variable

Annual Fee:

$75*

AvantCard

Intro bonus:

N/A*

Rewards:

N/A*

Ongoing APR:

35.99%* Variable

Annual Fee:

$0*

Capital One Quicksilver Cash Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1.5%-5% (cash back)

Annual Fee:

$0

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Intro bonus:

Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.

Rewards:

2x (Miles per dollar)

Ongoing APR:

21.24% - 29.99% (Variable)

Annual Fee:

$99, waived for first 12 months

Delta SkyMiles® Gold American Express Card

Intro bonus:

Earn 40,000 Bonus Miles after you spend $2,000 in purchases on your new Card in your first 6 months of Card Membership.

Rewards:

1x-2x (Miles per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$0 introductory annual fee for the first year, then $150

Delta SkyMiles® Reserve American Express Card logo.

Delta SkyMiles® Reserve American Express Card

Intro bonus:

Earn 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership.

Rewards:

1x-3x (Miles per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$650

Hilton Honors American Express Surpass® Card

Intro bonus:

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.

Rewards:

3x-12x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$150

Capital One Walmart Rewards® Mastercard®

Intro bonus:

N/A*

Rewards:

1%-5% (cash back)

Ongoing APR:

19.48% or 29.99% (Variable)

Annual Fee:

$0

Citi Premier® Card

Intro bonus:

Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.

Rewards:

1x-3x (Points per dollar)

Ongoing APR:

21.24% - 29.24% (Variable)

Annual Fee:

$95

Delta SkyMiles® Blue American Express Card

Intro bonus:

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.

Rewards:

1x-2x (Miles per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$0

Capital One SavorOne Cash Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1%-8% (cash back)

Annual Fee:

$0

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

How to find the best no foreign transaction fee credit card

1

Check your current card

You may be able to switch to a card that better fits your needs.

2

Look for rewards

Get money back on travel, retail, dining and more.

3

Consider the best value

Look for travel insurance, intro offers or 0% APR rates.

Start with your FICO® ScoreΘ and see card offers matched to your credit profile.

Get started for free

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

Frequently asked questions

A foreign transaction fee is a charge that some credit cards assess on purchases made outside of the United States. Credit card issuers may add this surcharge to any purchases you make while traveling abroad, and sometimes even to purchases made online from foreign vendors.

Foreign transaction fees are assessed by your credit card issuer when you use your credit card for international transactions. The fees will appear as surcharges on your credit card bill.

Foreign transaction fees can be assessed for credit card transactions when:

  • You use the card for a purchase or cash advance outside the U.S.
  • You use the card to purchase products or services in a foreign currency.

The fee amount can also vary: Some cards don't charge the fee at all, while others may charge 1% to 3% of each transaction amount. Often, the fee is charged after the transaction is converted into U.S. dollars (USD). You can often find information on foreign transaction fees for your credit card within your cardholder agreement. Look under "Pricing and Terms" or "Rates and Fees" to find information on foreign transaction and other fees.

Foreign transactions fees can vary, but they generally range from between 1% and 3% of each purchase you make outside of the United States. Since it's ultimately up to your credit card issuer to dictate what surcharge you'll pay for making international purchases, it's important to check your credit card's terms to understand the policy for foreign transactions.

The best way to avoid foreign transaction fees is to use a credit or debit card that doesn't charge them. Because there are a lot of benefits to paying with a credit card when you're traveling internationally, it's a good idea for those who frequently travel to prioritize no foreign transaction fees when applying for a credit card.

Of course, it's also possible to avoid paying foreign transaction fees by paying with cash. That has its own downsides, though, including needing to exchange your money before leaving the U.S. to avoid high exchange fees overseas, the risks of loss or theft when carrying large amounts of cash and the lack of credit card fraud protection should something go wrong. That's why, when possible, it's often best to use a credit card when traveling internationally.

Foreign transaction fees are typically assessed as a surcharge at the time of purchase. Then, your charges will appear on your credit card statement and will be paid off when your pay your credit card balance.

No, the fee you pay for foreign transactions won't be impacted by exchange rates. Sometimes, the foreign transaction fee you pay include a currency conversion fee folded into the charge. Your credit card issuer could charge a flat 3% foreign transaction fee, where 1% may cover conversion fees charged by your card's network, and the other 2% goes to your credit card issuer for the transaction fee. On the other hand, some credit cards charge no foreign transaction fee.

No. When making purchases from merchants abroad, you may have the option to pay in local or U.S. currency. It's typically in your interest to choose to pay in local currency. If you choose to convert to USD, the price is converted through a process called dynamic currency conversion (DCC). While choosing USD won't have any impact on paying credit card foreign transaction fees, you'll typically end up paying more if you choose USD. Instead, choose to pay in the local currency. That way, you'll pay the more affordable conversion fees charged by your credit card or bank.

While there are no specific credit score requirements for qualifying for a no foreign transaction fee card, the higher your credit score, the more options you'll have. Having high credit allows you to take your pick from a number of credit card options, including those with no foreign transaction fees. That said, even if your credit needs improvement, you may be able to find a card in your score range that doesn't charge foreign transaction fees.

Learn about credit cards