Credit Cards with No Foreign Transaction Fees
If you travel internationally, you need to have a credit card without foreign transaction fees, which can exceed 3%. Here are our favorite credit cards with no foriegn transaction fees.
All cards below do not charge foreign transaction fees when abroad, but be sure to always make sure you are charged in local currency when you are traveling. Often times, credit card machines abroad are setup to tempt you into using Dynamic Currency Conversion (DCC) in which they “offer” to charge you in US Dollars while charging you a fee even greater than a credit that didn’t waive forex fees would! Here is one cautionary tale on Dynamic Currency Conversion. Always say now to DCC, espcially when you carry a credit card that won’t charge those awful foreign transaction fees.
We’ll also note that all Capital One credit cards do not charge any foreign transaction fees.
We base our ratings on the value of the points of each card by the amount of the bonus. Pretty simple!
Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
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39 Cards Available:
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,750
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,750
The Chase Ink Preferred credit card earns 3x Ultimate Rewards points on all travel, advertising, and shipping, as well on Internet, cable and phone services, up to $150,000 a year.
If your business spends a lot in any of these categories, you can earn a ton of points.
It also earns 5X Ultimate Rewards points on Lyft rides.
You'll get complimentary cell phone insurance when you pay your cell phone bill with this card. (See Chase website for details). No foreign transaction fees.
Business Platinum Card from American Express (Amex)
Annual Fee:
$595
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,700
Annual Fee:
$595
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,700
A great card for flights and prepaid hotels earning 5x points, and for large expenses over $5,000 for 1.5x points.
Get a suite of benefits that include Gold Hilton status, Gold Marriott status, the American Express Global Lounge Collection which includes Centurion, Delta, and Priority Pass Lounge access, Fine Hotels and Resorts benefits, and a $200 annual incidental airfare credit. You'll also get $100 in free Dell credits twice annually (Jan-June and July-Dec).
Note: When displaying Estimated Rewards Values and calculations, this card is factoring in airline and hotels at 5x. This requires booking at AmexTravel.com and, if you do not, your earned rewards will change. Hotel bookings made via AmexTravel will generally not earn points or elite benefits.
Chase Sapphire Preferred Card Review
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,400
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,400
Perhaps the best "starting out card" in miles and points.
The Chase Sapphire Preferred has a low annual fee, unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners, comes with excellent built-in trip delay insurance, primary car rental CDW coverage and earns 2x points on travel and dining.
Chase Sapphire Preferred Card Earn Rate:
- 5X Chase Ultimate Rewards points on Lyft rides though March 2022
- 2X Ultimate Rewards points on travel and dining
- 1X Ultimate Rewards on all other purchases
Chase Will Let you “Pay Yourself Back”
Chase Sapphire Preferred cardmembers can always use their points to book travel via the travel portal where they get 1.25 cents per point.
Now, you can redeem in the same manner for grocery stores, home improvement stores and dining, including restaurants, takeout and eligible delivery services. Instead of using a “portal” to make the purchases, you just pay as you normally would and then go into the Chase website to “pay” for that purchase with points. You will get the same 1.25 cents per point in value as you get booking travel. The feature is branded “Pay Yourself BackSM“.
The only requirement is that the merchant category be in one of the specified categories and you must “Pay yourself back” within 90 days of purchase. This feature will be on the card until at least April 2021.
Chase Sapphire Reserve cardmembers get the same opportunity, but at a higher 1.5 cents per point cash-out rate.
If you apply for a Chase credit card and don't get an instant approval, you may want to call the Chase reconsideration line.
Note: You will only be approved for a Chase credit card if you have applied for fewer than 5 personal credit cards within the last 24 months from any issuer. (Business cards do not count against the total, except for Capital One and Discover, but are subject to the policy). Learn more about the 5/24 rule here.
You also cannot be approved for a Sapphire Preferred if you currently have this card or a Sapphire Reserve card and/or if you have received a bonus on this card in the past 48 months.
Platinum Card from American Express
Annual Fee:
$550
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,275
Annual Fee:
$550
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,275
The Platinum Card is full of caché and its heavy metal design will catch more than a few looks. While the fee isn't small, you get a lot back in the form of monthly credits.
The benefits include a $200 in yearly Uber credits and Uber VIP status as well as $200 in annual incidental airline credits for your chosen airline, $100 in annual Saks Fifth Ave credits, access to the American Express Global Lounge Collection, which includes the Centurion Lounges, Priority Pass, and Delta SkyClubs when you are flying Delta.
New: for January to June 2021 only, the Amex Platinum has a $30 monthly PayPal credit as well.
NOTE: This card earns 5x on airfare and hotels, however, the airfare must be booked direct with the airline or at Amex Travel and the hotels must be prepaid at Amex Travel to earn 5x. This site's Estimated Rewards Values will calculate all airfare and hotels at 5x points, so if your hotels are booked directly (which you generally need to do to earn hotel points and status/benefits) please note that they will not earn 5x and your actual rewards value will vary accordingly.
Capital One Venture Rewards Credit Card
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
Earn 2x Capital One miles on all purchases. Use as a travel eraser at 1 cent per point or transfer to airline miles at 2:1.5 ratio (equals 1.5 airline miles per dollar spent).
1) The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use as a purchase eraser, the early spend bonus value will be $500, exactly.
You can transfer to more than 18 airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
United Quest Earn Rate
- 3X United miles on United purchases.
- 2X on other travel (like air, hotel, and car rentals). (Recall, though, that you can earn 3X points on any airline in the world with a Chase Sapphire Reserve or 2X on any airline in the world with a $95 annual fee Chase Sapphire Preferred.
- 2X miles on dining and streaming services.
- Everything else earns just 1 mile per dollar.
United Quest Benefits
- Two 5,000 mile award flight credits each year after account anniversary. Essentially, you will get 5,000 miles “back” after you book an award flight.
- $125 annual United purchase credit. This is a statement credit against UA purchases like airfare as well as things you can buy that are related to a flight, like checked bag fees, upgrades, seats, and Wifi.
- Earn 500 PQP for every $12,000 in card spend, up to 3,000 PQP in a Calendar Year - valid up to 1K status as long as the required PQF requirements are also met.
- 2 free checked bags
- Priority boarding
- $100 in Global Entry or TSA Precheck once every 4 years.
- No foreign transaction fees
- Premier upgrades on award tickets. Prioritized after the lowest paid fare class, a Premier member with this card will get upgraded on award tickets.
- 25% statement credit on onboard purchases (food, drinks, and wifi)
- Trip Cancellation / Interruption insurance
- Trip Delay reimbursement
- Primary car rental collision / damage waiver
- Purchase protection
- Roadside assistance
NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on United, which earns 3X. Other airfare earns 2X. If part of that spend is on other airlines, that spend will earn only 2x on this card, reducing the value of your rewards.
American Express Business Gold Card
Annual Fee:
$295
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,190
Annual Fee:
$295
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,190
You will earn 4 points per dollar on any 2 out of 6 categories, automatically selected each calendar month based on which ones you spent the most on, up to $150,000 per year.
Categories include airfare purchased directly with airlines, US advertising and media, US gas stations, US hardware/software/cloud computing services, US restaurants, and US shipping.
Also, get a 25% rebate on airfare paid on points with your card.
Annual Fee:
$550
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,050
Annual Fee:
$550
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,050
The card that re-revolutionized points-earning credit cards, the Chase Sapphire Reserve is a high-end travel rewards card that unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners and offers rich benefits for a frequent traveler.
It offers 3x Ultimate Rewards points on travel and dining. It provides a 50% boost in point value within the Chase portal and you get an annual $300 travel credit each card year which greatly offsets the card's annual fee.
New Lyft and DoorDash Benefits:
- Earn 10X Ultimate Rewards points on Lyft rides through March 2022.
- Get a one-time complimentary Lyft Pink (15% Lyft discounts, free bike/scooter rentals each month, and better cancellation rules). ($19.99 / month value)
- Get $60 in DoorDash credits this year (2021).
- Get free DashPass to get free DoorDash deliveries at select restaurants with $12 or more in your order and decreased service charges.
Chase Will Let you “Pay Yourself Back”
Chase Sapphire Reserve cardmembers can always use their points to book travel via the travel portal where they get 1.5 cents per point.
Now, you can redeem in the same manner for grocery stores, home improvement stores and dining, including restaurants, takeout and eligible delivery services. Instead of using a “portal” to make the purchases, you just pay as you normally would and then go into the Chase website to “pay” for that purchase with points. You will get the same 1.5 cents per point in value as you get booking travel. The feature is branded “Pay Yourself BackSM“.
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,020
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,020
While the Amex Platinum card gets more "buzz," the standout metal Gold Card offers 4x Membership Rewards points on US restaurants and at US supermarkets (up to $25,000 a year), as well as 3x on flights.
And at long last, American Express is once again offering both new and existing cardholders the opportunity to get the Rose Gold version of the Gold Card. (Simply select it when applying.)
It also offers $20 in monthly dining statement credits - $10 monthly at GrubHub/Seamless (and select other restaurants) and $10 in Uber Cash each month.
Note that the airline incidental credits will no longer be offered after 2021 and are no longer available to new applicants.
While many Amex bonus categories are US-only, this card now earns 4x on all restaurants, including internationally.
American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
It's also important to note that as a card product that Amex used to classify as "charge," it is not counted against your 4 Amex credit card limit. The Gold Card will still be in the category of cards (former charge products) in which you can have up to 10. Those include the Green, Gold, Platinum, and Centurion.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$975
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$975
Review: Get a free checked bag and preferred boarding on American Airlines. The free checked bag is valid for for you and up to 4 travel companions. Earn a $99 companion certificate for domestic main cabin travel.
Earn AAdvantage miles at the rate of 2x for American Airlines, telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations, plus 1x for everything else.
Gain access to Reduced Mileage Awards for up to 7,500 miles off rotating origins and destinations each month.
NOTE: Our estimated rewards values assume all of your airline spend is with AA for the purposes of valuing your rewards for this card. If you spend across multiple airlines, your rewards will be lower as this card earns 2x on AA purchases only.
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$900
Annual Fee:
$95
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$900
This card is an excellent general travel and entertainment card with a low annual fee. It has some powerful bonus category earnings
- 3X Points at Dining
- 3X Points at Grocery Stores / Supermarkets
- 3X Points on Gas
- 3X Points on Flights and Hotels
- 1X Points on All Other Purchases
Thank You points can be transferred to a variety of airline frequent flyer programs, such as Avianca, Etihad, Turkish and Cathay Pacific.