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 | No Foreign Transaction Fee Credit CardsInternational Travelers: Compare credit cards with no foreign transaction fee to save money when traveling overseas.
How to Choose a Credit Card with No Foreign Transaction FeeMost 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. 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.
International Travel
 Occasional International Travel: Both the Discover it and Discover it for Students offer no foreign transaction fee, cash back rewards, and no annual fee, making them ideal credit cards for the occasional or infrequent global traveler. Plus, with Discover, you can talk to a real person any time with 100% U.S. based customer service.
 Frequent International Travel: The Platinum Card from American Express is our top pick for frequent international travelers looking for a no foreign transaction fee charge card. While the card does have a $450 annual fee, The Platinum Card from American Express offers amazing travel benefits including access to over 600 lounges worldwide and no foreign transaction fees. You can receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees when you enroll and select an airline. And of course, the card includes the legendary 24/7 Platinum Card Concierge service for assistance with reservations, travel, and gifts.
Don't forget, the Platinum Card has a 25,000 Membership Rewards points bonus offer after you spend $2,000 during your first 3 months.
Travel to Europe
Keep in mind, what's popular in the US is not necessarily the same worldwide. For travelers to Europe, using a credit card with a smart chip is wise.
 Citi Hilton HHonors Reserve Card is a no foreign transaction fee credit card that includes a Citi chip. The Citi Hilton HHonors Reserve Card offers 2 weekend night certificates after you spend $2,500 on the card in eligible purchases within 4 months of account opening. There is a $95 annual fee.
Travel to China
Did you know that China UnionPay is the largest payment scheme worldwide, appearing on 3 out of every 10 cards?
Luckily for travelers to China, Discover has a partnership with China UnionPay to provide access to "all ATMs and electronic payment merchants in Mainland China." Plus, all Discover credit cards have no foreign transaction fees.
Travel to Japan
Travelers to Japan will see the JCB network almost everywhere. Discover has a partnership with JCB, one of the largest card issuers in Japan, to honor "Discover on its network of over 1 million Japanese merchants and ATMs." And remember, all Discover credit cards have no foreign transaction fees.
College Student or Small Business Owner?
For college students who travel the world, consider using a student credit card with no foreign transaction fee to help you save on your next study abroad or summer adventure.
For small business owners, use a business card with no foreign transaction fee to help you trim expenses on international business trips.
Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser's affiliate programs. Disclaimer: Discover is a paid advertiser of CreditDonkey.
  No Foreign Transaction Fee | | - The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous...5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback Concierge(SM) who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible...Choose your own due date and pay up to midnight ET online or by phone.
- Human...talk to a real person any time with 100% U.S.-based service.
- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
| | | | Our Review: A generous cash back and 18-month balance transfer offer makes the Discover It Card the go-to card to keep more money in your pocket. When you consider the rewards, low fees, and good customer service, it’s pretty easy to see why Discover It is one of the most popular cash back credit cards available... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 6 months | 0% for 18 months | 10.99% - 22.99% (Variable) | $0 |
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| | - Earn 40,000 bonus miles if you make $1,000 or more in purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next trip!
- 0% introductory APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
- Earn 2X miles on all purchases
- No mileage caps
- No foreign transaction fees
- Exclusive Carry-on Miles - earn 10% of your miles back when you redeem for travel
- Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
- Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
- Complimentary subscription to TripIt Pro mobile travel organizer - a $49 annual value!
| | | | Our Review: If you want to earn 2x miles with all purchases and have the flexibility to redeem miles toward any airline purchase, consider the Barclaycard Arrival World MasterCard. The $89 annual fee card lets you earn miles quickly with no mileage caps and a 10% back offer when you redeem them for travel. In addition, a 40,000 bonus mile offer makes this card an attractive choice... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 12 months | N/A | 14.99% - 18.99% (Variable) | $0 introductory for first year, then $89 |
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| | - Earn 25K Membership Rewards® points after you spend $2,000 during your first three months of Card membership
- Premium travel benefits: access over 600 lounges worldwide when you enroll in Priority Pass™ Select, no foreign transaction fees
- Receive up to $200 annually in a statement credit with the airline of your choice to use towards baggage fees, flight-change fees, in-flight food and beverage purchases and more
- 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
- Entertainment benefits: get Advance Tickets before the public and access once in a lifetime events with By Invitation Only®
- Terms and restrictions apply
| | | | Our Review: The American Express Platinum Card is one of the most prestigious rewards cards in the market today. It is also one of the most expensive cards, with an annual fee of $450. In exchange for the high annual fee, the Platinum Card offers a number of travel advantages and a generous rewards program... Read full review | | Card Type | Annual Fee | | Personal Charge Card | $450 |
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| | - The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we wont increase your APR for paying late.*
- Plus a Cashback Concierge(SM) who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Generous…5% cash back in categories that change throughout the year like gas, restaurant, movies, and more up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
- Flexible...Choose your own due date and pay up to midnight ET online or by phone.
- Human...talk to a real person any time with 100% U.S.-based service.
- Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- 0% Intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 12.99% - 18.99%. *Click apply for Terms & Conditions.
| | | | Our Review: College students looking to build credit, earn cash back, and pay no annual fee should consider the Discover It for Students. With the combined generous rewards program, intro APR on new purchases and no late fee on the first late payment, it's clear to see why this Discover student credit card is among the most popular offers for college students on the market today... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 6 months | See Terms | 12.99% - 18.99% (Variable) | $0 |
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| | - Start by earning 20,000 bonus miles if you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip!
- 0% intro APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99% depending upon your creditworthiness.
- Earn 2X miles on travel and dining purchases
- Earn 1X miles on all other purchases
- No mileage caps
- No foreign transaction fees
- Exclusive Carry-on Miles – earn 10% of your miles back when you redeem for travel
- Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
- Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
- Complimentary one year of TripIt Pro mobile travel organizer – a $49 value
| | | | Our Review: If you like to travel, you can earn 2X miles on travel and dining purchases and 1X miles on all other purchases with the Barclaycard Arrival World MasterCard. Every time you buy something on this card, you earn miles. These miles are good for statement credits toward flights, hotels, car rentals, and cruises. This program is especially generous when you consider that this card does not have an annual fee... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 12 months | N/A | 14.99% - 18.99% (Variable) | $0 |
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| | - Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening*
- Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio*
- Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
- Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
- Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
- No foreign transaction fees on purchases*
- Travel with ease and enjoy global acceptance with your Citi chip credit card
- Earn an anniversary bonus of 1 weekend night certificate at select hotels and resorts within the Hilton HHonors portfolio each cardmembership year with qualifying purchases*
| | | | Our Review: If you are a frequent traveler and enjoy staying at the Hilton chain of hotels, you should consider the Citi HHilton Reserve Card. When you use this card, you earn points toward free nights at Hilton hotels and resorts. This card also offers a number of other solid travel benefits. While you do need to pay an annual fee of $95 to keep this card active, you will easily make this money back in hotel benefits... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 15.24% (Variable) | $95 |
| 
| | - The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous…5% cash back in categories that change throughout the year on up to $1,500 in purchases with free and easy sign-up each time. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most out of your rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.* Standard variable purchase APR*- 12.99% - 18.99%.
- *Click apply for Terms & Conditions.
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | See Terms | 12.99% - 18.99% (Variable) | $0 |
| 
| | - Limited Time Offer: Get 25,000 Membership Rewards® points after you spend $5,000 in the first three months of Card membership
- Enroll and select a qualifying airline to receive up to $200 annually in statement credits for incidental fees, such as checked bags and in-flight refreshments, charged by the airline
- 20% Travel Bonus when using Membership Rewards® Pay with Points
- Take advantage of 40 premium benefits to help power your business
- Complimentary access to 600+ participating airport lounges through Priority Pass™ Select
- Business Platinum Concierge is like your own assistant, ready to help you with just about anything personal or professional, 24 hours a day
- Purchasing power that can adjust as your business evolves
- Terms & Restrictions Apply*
| | | | Our Review: The Business Platinum Card from American Express offers top-of-the-line benefits—including Airport Club Access and a $200 Airline Fee Credit—to business travelers. The card also features a rewards program and a whole suite of protection that covers travel accidents and business purchases... Read full review | | Card Type | Annual Fee | | Business Charge Card | $450 |
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Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser's affiliate programs. Disclaimer: Discover is a paid advertiser of CreditDonkey.
No Foreign Transaction Fee Credit Cards BenefitsSave 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 lots 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.
Articles on No Foreign Transaction Fee Credit CardsWith China’s rise as an economic powerhouse, China is set to be the biggest market for credit cards by the next decade. Credit cards can be quite convenient to use when traveling. This is especially true if you tend to travel outside of the country, because they eliminate your need to pay for currency conversion for large quantities of money. They also provide ...
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