CreditDonkey is a credit card comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†
Updated March 15, 2019

Which Chase Sapphire Has No Foreign Transaction Fee?

Read more about Foreign Transaction Fee
Editorial Note: 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 article contains references to products from our partners. We receive compensation if you apply or shop through links in our content. You help support CreditDonkey by reading our website and using our links. (read more)

Chase Sapphire Preferred and Reserve are great for travel as they both have no foreign transaction fees. But there are some differences you need to know. Read on before you take off.

Chase offers 2 cards in their Sapphire family: Preferred and Reserve. Neither card has a foreign transaction fee. They offer good rewards, great redemption value, and useful travel benefits.

If you travel at least once a year, you should apply for the Preferred card for 2x points on travel and dining. If you travel several times a year, you must take advantage of the sign-up bonus and $300 annual travel credit with Reserve.

In this article, we'll explain which Chase Sapphire is better for you.

Note: Chase does have a third card in the family - the no-annual-fee Sapphire card. It is no longer available to new applicants, but you can downgrade the Preferred or Reserve to it. However, this card has a 3% foreign transaction fee.

What Is a Foreign Transaction Fee?

Many banks charge a foreign transaction fee (FTF) for purchases made abroad - usually 3% of your purchase. Anytime you use your card abroad, you'll be paying an additional 3%.

This can add up to a lot. If you charge $1,000 on food, shopping, and activities on your trip, that's an extra $30 in fees.

A credit card with no FTF will save you from these unnecessary fees. This is the best option for making purchases abroad.

In comparison, foreign ATMs will incur high ATM fees, while currency exchanges usually have terrible exchange rates.

No Foreign Transaction Fee

Chase Sapphire Foreign Transaction Fee: Chase Sapphire cards are popular choices for travelers as both Chase Sapphire Preferred and Reserve have $0 foreign transaction fee. Both offer bonus points, extra points for travel and dining, and premium travel benefits.

Sapphire Cards with No Foreign Transaction Fee

Luckily, the Chase Sapphire Preferred and Reserve do not have a FTF. Here are overviews of the Preferred and Reserve cards:

 Chase Sapphire Preferred CardChase Sapphire Reserve
 Apply NowApply Now
 

Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

 

Interest Rates and Fees

Purchase APR15.99% to 22.99% Variable based on your creditworthiness and other factors16.99% to 23.99% Variable based on your creditworthiness and other factors
Balance Transfers APR15.99% to 22.99% Variable based on your creditworthiness and other factors16.99% to 23.99% Variable based on your creditworthiness and other factors
Annual Fee$95 annual fee$550 annual fee
 

Benefits and Features

Introductory Bonus OfferEarn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Travel Rewards2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
1:1 point transfer to leading airline and hotel loyalty programs
Airline Rewards1:1 point transfer to leading airline and hotel loyalty programs1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards1:1 point transfer to leading airline and hotel loyalty programs1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.
Airline Status $300 Annual Travel Credit (as reimbursement for travel purchases charged to your card).
Complimentary Priority Pass™ Select membership for access to 1,000+ airport lounges worldwide. Enrollment required for Priority Pass Select
Dining Rewards2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.3X points on dining at restaurants
Airline Transfer PartnersChase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
 Apply NowApply Now

Which One Is Better for You?

If you're more of a casual traveler, start with the Sapphire Preferred. The much smaller annual fee is easier to swallow. The sign-up bonus is very generous for the annual fee.

If you travel often, the Sapphire Reserve will usually come out ahead for you. The 3x points on travel immediately after earning your $300 travel credit and 3x points on dining will allow you to rack up points faster. And the better value on the Ultimate Rewards travel portal means bigger savings. Frequent travelers will also love the luxury perks, like lounge access through Priority Pass Select.

Chase Sapphire Reserve

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®

See our detailed comparison and analysis of the two cards.

Other Chase Cards with No Foreign Transaction Fee

Besides the Sapphire cards, Chase has several other travel cards with no foreign transaction fees. See if one of these may be a better fit for you instead. Here are some of our other favorites:

  • If you fly Southwest: Southwest Credit Card earns 40,000 points after you spend $1,000 on purchases in the first 3 months. This card earns 6,000 bonus points after your Cardmember anniversary. You earn 2 points per dollar spent on Southwest purchases and Rapid Rewards hotel and car rental partner purchases. 1 point per dollar spent on all other purchases. There is no foreign transaction fee. There is a $99 annual fee.

Bottom Line

Either Chase Sapphire Preferred and Reserve card will make an ideal companion for trips abroad. Neither card has that dreaded foreign transaction fee. So you can feel free to pay for hotels, dine, shop, and go on fun tours… all without worrying about extra foreign transaction fees.

If you're more of a casual traveler, start with the Sapphire Preferred. You get:

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.

If you travel often, the Sapphire Reserve will usually come out ahead. You get:

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.

Chase Sapphire Reserve

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.

Editorial Note: This content is not provided by Chase. 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 Chase. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Southwest Rapid Rewards Premier Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

More from CreditDonkey:


Credit Card for Traveling Abroad


Is Chase Sapphire Preferred Worth It


Chase Sapphire Reserve Review


Chase Sapphire Preferred Card
Apply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
  • Go to issuer's official application, terms, and details
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.99% - 22.99% Variable
$95


Leave a comment about Which Chase Sapphire Has No Foreign Transaction Fee?

Name
Email (won't be published)


Sapphire Preferred Benefits

Maximize the benefits of Chase Sapphire Preferred. Read on to learn about 20+ valuable perks that you may not know about.

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

About Us | Reviews | Deals | Tips | Privacy | Terms | Contact Us
© 2020 CreditDonkey