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Updated September 16, 2018

Which Chase Sapphire Has No Foreign Transaction Fee?

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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: the 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.

Chase Sapphire Foreign Transaction Fee: Chase Sapphire cards are popular choices for travelers as both Chase Sapphire Preferred and Reserve have no foreign transaction fee. Both offer 50,000 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 APR17.99% to 24.99% Variable based on your creditworthiness and other factors17.99% to 24.99% Variable based on your creditworthiness and other factors
Balance Transfers APR17.99% to 24.99% Variable based on your creditworthiness and other factors17.99% to 24.99% Variable based on your creditworthiness and other factors
Annual Fee$0 Intro Annual Fee for the First Year, then $95$450 annual fee
 

Benefits and Features

Introductory Bonus Reward PointsIntroductory Bonus Reward Points: 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®Introductory Bonus Reward Points: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward airfare, hotels, car rentals and cruises when you redeem through Chase Ultimate Rewards®
Travel RewardsTravel Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide.
1:1 point transfer to leading airline and hotel loyalty programs
Travel Rewards: 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 RewardsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Hotel RewardsHotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programsHotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Point RewardsPoint Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwidePoint Rewards: 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 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 RewardsDining Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwideDining Rewards: 3X points on dining at restaurants
Airline Transfer PartnersAirline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus.Airline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, 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.

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 offers 40,000 points after you spend $1,000 on purchases within the first 3 months of opening your account. Plus, earn 20,000 points after you spend $12,000 within your first year. Earn 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 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®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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

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

  • Earn 50K 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®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $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✓®

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.

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Chase Sapphire Preferred Card
Apply 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®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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
  • Go to issuer's official application, terms, and details
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.99% - 24.99% Variable
$0 Intro for the First Year, then $95


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