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No Foreign Transaction Fee Credit Cards

International Travelers: Compare credit cards with no foreign transaction fee from our partners to save money when traveling.

Read more about: Travel Rewards
Chase Sapphire Preferred Card

Chase Sapphire Preferred Review

Spend $4,000 in First 3 Months and Earn 50,000 Bonus Points
The Platinum Card from American Express

American Express Platinum Review

Learn how you can earn 40,000 Membership Rewards points
Barclaycard Arrival Plus World Elite MasterCard

Barclaycard Arrival Plus Review

Spend $3,000 in First 90 Days and Earn 40,000 Bonus Miles

Credit Cards for International Travel


Warning: Foreign Transaction Fee


Beginner's Guide to Chip Credit Cards


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How to Choose a Credit Card with No Foreign Transaction Fee

This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the advertiser's affiliate programs.

Most credit cards tack on a 3% charge, or foreign transaction fee, on purchases made outside the United States. If you travel internationally with a no foreign transaction fee credit card, you'll save money on your purchases.

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Plus, using a credit card that doesn’t have a foreign transaction fee is usually cheaper than using the currency conversion services at retail stores, banks, and airports, which tend to charge high fees and could be inconsistent in their currency calculations. Credit cards usually use the wholesale market rate or the government-mandated rate.

Featured Deal

Chase Sapphire Preferred
Apply for Chase Sapphire Preferred Card
Chase Sapphire Preferred has a hot deal for travelers looking for a $0 foreign transaction fee credit card. Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®. There is an introductory annual fee of $0 the first year, then $95.

Plus, with the Chase Sapphire Preferred, you can transfer points at a 1:1 ratio to leading frequent travel programs. Participating programs include popular airline frequent flyer programs such as United MileagePlus, Southwest Airlines Rapid Rewards & British Airways Executive Club and frequent hotel programs such as Marriott Rewards, Hyatt Gold Passport & Priority Club.

International Travel

Barclaycard Arrival Plus
Apply for Barclaycard Arrival Plus World Elite MasterCard
Frequent International Travel: The Barclaycard Arrival Plus is our top pick for frequent international travelers looking for a no foreign transaction fee credit card that earns 2x miles on all purchases. If you spend $3,000 or more in purchases in the first 90 days from account opening, you'll earn 40,000 bonus miles (worth $400 travel statement credit). While the card has a $89 annual fee (waived for the first year), earning 2x miles on all purchases makes this a smart choice for big spenders who like to travel abroad.

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Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.


Chase Sapphire Preferred Card
Read ReviewApply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Our Review: Do you like to travel? Travel credit cards can help you earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred. It has a huge bonus point offer and premium travel benefits. But the card has a $95 annual fee. Read on to see if the Sapphire Preferred is worth it... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
16.24% - 23.24% Variable
Introductory Annual Fee of $0 the first year, then $95

Barclaycard Arrival Plus World Elite MasterCard
Read ReviewApply for Barclaycard Arrival Plus World Elite MasterCard
At Barclaycard's Secure Site
  • Earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
Introductory Bonus Airline RewardsAirline RewardsHotel RewardsTravel RewardsCar Rental RewardsTravel Accident InsuranceEmergency Assistance
Our Review: Is this 2x miles credit card worth the $89 annual fee? Read on to see how the Arrival Plus compares with top travel rewards credit card... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/A
0% for 12 months (must be completed within first forty-five days of account opening)
16.24% or 20.24%* Variable
$89 - Waived first year

Starwood Preferred Guest Credit Card from American Express
Read ReviewApply for Starwood Preferred Guest Credit Card from American Express
At American Express' Secure Site
  • Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • No Foreign Transaction Fees on international purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Get free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95
  • Terms and Conditions apply.
  • See Rates & Fees
Introductory Bonus Hotel RewardsAirline RewardsHotel RewardsTravel RewardsBonus Airline RewardsNo Limits on RewardsCar Rental InsuranceExtended WarrantyPurchase Protection Return ProtectionTravel Accident Insurance$0 Fraud Liability
Our Review: Do you like to travel? Starwood Preferred Guest credit card earns points that you can redeem for hotel stays and flights. Plus, there's a signup bonus! But the card has an annual fee. Read on to find out if the SPG card is still worth considering... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.49% - 19.49% variable
$0 introductory annual fee for the first year, then $95

Barclaycard Arrival World MasterCard
Read ReviewApply for Barclaycard Arrival World MasterCard
At Barclaycard's Secure Site
  • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
  • Earn 2X miles on travel & dining and 1X miles on all other purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
Introductory Bonus Airline RewardsAirline RewardsHotel RewardsTravel RewardsCar Rental RewardsNo Limits on RewardsDining RewardsTravel Accident InsuranceEmergency Assistance
Our Review: Is this the best travel rewards credit card with no annual fee? Read on for the pros and cons to the Barclaycard Arrival... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/A
0% for 12 months (must be completed within first forty-five days of account opening)
16.24%, 20.24% or 24.24%* Variable
$0

Barclaycard Ring MasterCard
Read ReviewApply for Barclaycard Ring MasterCard
At Barclaycard's Secure Site
  • No Balance Transfer Fees - start saving immediately!
  • A low variable APR on balance transfers and purchases
  • No Annual Fee
  • Choose your card benefits and features
  • Get rewarded through the new Giveback(TM) program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Our Review: With a low 8.25% variable APR on purchases and a community-driven approach for its fees and benefits, the Barclaycard Ring MasterCard might be the world's best social credit card... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
8.25%* Variable
$0

Gold Delta SkyMiles Credit Card from American Express
Read ReviewApply for Gold Delta SkyMiles Credit Card from American Express
At American Express' Secure Site
  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle in sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms and Conditions apply.
  • See Rates & Fees
Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended WarrantyPurchase Protection$0 Fraud LiabilityEmergency Assistance
Our Review: There are many airline credit cards to choose from, so how do you decide if the Gold Delta SkyMiles credit card is right for you? Read this review before you apply... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
NoneNone
15.49% - 19.49% Variable
$0 intro annual fee for the first year, then $95

The Business Gold Rewards Card from American Express OPEN
Read ReviewApply for The Business Gold Rewards Card from American Express OPEN
At American Express' Secure Site
  • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • Redeem points for everyday business expenses, to help with travel costs or to reward employees and entertain clients
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply. See Rates & Fees
Introductory Bonus Reward PointsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending LimitDiscountEventsCar Rental InsuranceExtended WarrantyPurchase Protection Return ProtectionBaggage Insurance$0 Fraud LiabilityEmergency AssistanceEmergency Card ReplacementIdentity Theft AssistanceRoadside Assistance
Our Review: Is the Business Gold Rewards Card from American Express worth the $175 annual fee? It depends. Read this in-depth analysis BEFORE you apply... Read full review
Card TypeAnnual Fee
Business Charge Card
$0 introductory annual fee for the first year, then $175

The Business Platinum Card from American Express OPEN
Read ReviewApply for The Business Platinum Card from American Express OPEN
At American Express' Secure Site
  • Welcome Offer: Get 40,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership.
  • The Business Platinum Card's premium benefits include world-class platinum service, travel benefits, rewards that can help reduce expenses and access to one-of-a-kind events.
  • Membership Rewards® Program: Get one point for each dollar of eligible purchases. There is no limit to the number of points you can get.
  • 30% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 30% of the points back.
  • Airport Lounge Access Program: Elevate your business travel experience with complimentary access to over 700 airport lounges worldwide.
  • Complimentary internet access: Enroll your Card with Gogo and Boingo and get 10 Gogo inflight internet passes annually and unlimited Wi-Fi at Boingo hotspots.
  • Terms & Restrictions Apply
  • See Rates & Fees
Introductory Bonus Reward PointsAirline RewardsPoint RewardsTravel RewardsNo Limits on RewardsNo Pre-Set Spending LimitConciergeDiscountCar Rental Insurance Extended WarrantyPurchase ProtectionReturn ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud LiabilityEmergency Card ReplacementIdentity Theft AssistanceRoadside Assistance
Our Review: The Business Platinum Card offers travel-friendly benefits – including Airport Club Access, Airline Fee Credit, and Platinum Concierge Service. But with so many cards boasting no annual fee, why would anyone want to pay $450 to use this card each year?... Read full review
Card TypeAnnual Fee
Business Charge Card
$450

The Platinum Card from American Express
Read ReviewApply for The Platinum Card from American Express
At American Express' Secure Site
  • Get 40,000 points after you use your new Card to make $3,000 in purchases in your first 3 months.
  • $200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one airline.
  • There are no foreign transaction fees with your Platinum Card.
  • Enroll to enjoy the benefits of complimentary Hilton HHonors(TM) Gold Status.
  • Get reservations with Platinum Card® Concierge to enjoy an exquisite dining experience with the #AmexPlatinum Dining Program. Learn more.
  • No interest charges because you pay your balance in full each month.
  • Terms and limitations apply.
  • See Rates & Fees
Introductory Bonus Reward PointsAirline RewardsHotel RewardsPoint RewardsTravel RewardsNo Pre-Set Spending LimitConciergeEventsCar Rental Insurance Extended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance$0 Fraud LiabilityIdentity Theft Assistance
Our Review: Is the Platinum Card from American Express worth the $450 annual fee? Read this in-depth review to help you decide... Read full review
Card TypeAnnual Fee
Personal Charge Card
$450

The Plum Card from American Express OPEN
Read ReviewApply for The Plum Card from American Express OPEN
At American Express' Secure Site
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee - and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply. See Rates & Fees
No Pre-Set Spending LimitDiscountCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage Insurance$0 Fraud LiabilityIdentity Theft Assistance Roadside Assistance
Our Review: Is the American Express Plum card worth the $250 annual fee? Read on to see how this card can help business owners manage cash flow... Read full review
Card TypeAnnual Fee
Business Charge Card
$0 introductory annual fee for the first year, then $250

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No Foreign Transaction Fee Credit Cards Benefits

Save money when traveling internationally
A 3% fee on every transaction you make may not sound like a lot at first, but this cost can really add up. If your card doesn't have a foreign transaction fee, you'll avoid this expense altogether.

Using a credit card with no foreign transaction fee is usually the cheapest way to buy items when you are overseas, compared to using cash. Currency conversion services at retail stores, banks and airports cost you more in the long run. Networks like Visa and MasterCard usually use the wholesale market rate or the government-mandated rate.

Experience convenience
If you feel free to use your card while traveling, you'll save yourself the hassle of needing to carry large amounts of cash and converting it to another currency when you go to a new country.

Have a sense of safety
Carrying a credit card is much safer than carrying a lot of cash. In the event your card is lost or stolen, immediately contact your credit card issuer. See our Lost Wallet What to Do guide for tips.

Keep track of your expenses
When you use a credit card without a foreign transaction fee, you'll avoid the unpleasant surprise of being billed for more than you expected. Your statement also serves as a log of your expenses, which is helpful if you're sharing costs with a travel companion.

Reward yourself, not the bank
Credit cards with rewards usually earn a base rate of 1% of the purchase amount. A 3% foreign transaction fee can really put a dent into the net amount you earn, even if your travels are short. There are plenty of great rewards cards on the market that are better suited for people who travel internationally.

Remember, it's often helpful to call your credit card company in advance to let them know you will be traveling outside the US so that they are less likely to decline purchases you make while traveling.


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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: 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 any card issuer.

†Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.