International Travelers: Compare credit cards with no foreign transaction fee from our partners to save money when traveling.
How to Choose a Credit Card with No Foreign Transaction Fee
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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 has a hot deal for travelers looking for a $0 foreign transaction fee credit card.
Chase Sapphire Preferred lets you earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Points can be transferred 1:1 to leading frequent travel programs including airline transfer partners. The card has no foreign transaction fees. The card also comes with premium travel and purchase protection benefits (including trip cancellation/trip interruption insurance and auto rental collision damage waiver). There is a $95 annual fee.
International Travel
- 2x Miles on All Purchases: Capital One Venture Rewards Credit Card offers 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months. Plus receive a one-time $250 Capital One Travel credit in your first cardholder year. This card earns 2 miles per dollar on all purchases. There are no foreign transaction fees. You get up to $100 credit for Global Entry or TSA Pre✓®. There is a $95 annual fee.
Luxury Travel Benefits: Chase Sapphire Reserve lets you earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. This card offers a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. This card earns 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. The points can be transferred 1:1 to leading frequent travel programs including airline transfer partners. The card has $0 foreign transaction fees. The card comes with access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select. There is a $550 annual fee.
No Foreign Transaction No Annual Fee
- Cash Back: Discover It will match all the cash back you've earned at the end of your first year. This offer is only for new customers. This card earns 5% cash back in bonus categories that change each quarter (up to the quarterly maximum; requires free activation each quarter). All other purchases earn 1% cash back.
- 1.5x Miles on All Purchases: Discover it Miles will match all the miles you've earned at the end of your first year. This offer is limited to new cardmembers only. This card earns 1.5x miles on all purchases and has no annual fee.
- 1.5x Points on All Purchases: Bank of America Travel Rewards offers 25,000 online bonus points if you spend at least $1,000 on purchases within the first 90 days of opening your account. 25,000 points is worth a $250 statement credit toward travel purchases. This card earns 1.5 points per $1 spent on all purchases. You can redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, car rentals, or baggage fees. There are no foreign transaction fees. There is no annual fee.
No Foreign Transaction Fee Business Credit Card
For small business owners, use a business card with no foreign transaction fee to help you trim expenses on international business trips. Does your work take you overseas a lot? You'd benefit with a card specifically tailored for business travelers.
Travel Rewards: Ink Business Preferred lets you earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases. There are no foreign transaction fees. There is a $95 annual fee.
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Student Credit Card with No Foreign Transaction Fee
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.
- Discover Student It Card will match all the cash back you've earned at the end of your first year. This offer is only for new customers. This card earns 5% cash back in bonus categories that change each quarter (up to the quarterly maximum; requires free activation each quarter). All other purchases earn 1% cash back. Plus, you earn a $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
How to Avoid Extra Fees With No FTF Cards
- Always choose the local currency. Sometimes when using your card, you'll be asked if you want to pay in the local currency or in US dollars. You may be tempted to choose dollars, but it's wiser to pay in local currency. Merchants use dynamic currency exchange, where the exchange rate is usually worse. If you pay in local currency, then your bank does the conversion, which is more comparable to market rates.
- Avoid cash advances. No foreign transaction fee doesn't mean no fee for cash advances at foreign ATMs. The fees are quite high and plus, interest starts accruing right away. If you need some cash while abroad, use a debit card that reimburses ATM fees. Or get the money at your bank before your trip.
- Bring a card with worldwide acceptance. Visa and Mastercard are accepted pretty much anywhere in the world. American Express and Discover have less of a worldwide presence.
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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.
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.
Editorial Note: This content is not provided by Capital One. 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 Capital One.
Editorial Note: This content is not provided by Bank of America. 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 Bank of America.
Editorial Note: This content is not provided by Discover. 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 Discover.
Disclaimer: The information for the Capital One Venture Rewards Credit Card, Bank of America® Travel Rewards credit card, Discover it® Cash Back, Discover it® Student Cash Back, and Discover it® Miles has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.
 At Chase's Secure Site | Chase Sapphire Preferred® Card lets you earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Points can be transferred 1:1 to leading frequent travel programs including airline transfer partners. The card has no foreign transaction fees. The card also comes with premium travel and purchase protection benefits (including trip cancellation/trip interruption insurance and auto rental collision damage waiver). There is a $95 annual fee. | Airline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus. | | Our Review: Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 20.74% - 27.74% Variable | $95 |
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At Chase's Secure Site | Chase Sapphire Reserve® lets you earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. This card offers a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
This card earns 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. The points can be transferred 1:1 to leading frequent travel programs including airline transfer partners. The card has $0 foreign transaction fees. The card comes with access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select. There is a $550 annual fee. | Airline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus. | | Our Review: With excellent rewards and premium travel benefits, the Chase Sapphire Reserve® is meant for frequent travelers. Read on to decide if the $550 annual fee is worth it for you... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 21.74% - 28.74% Variable | $550 |
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| The Platinum Card® from American Express offers 80,000 Membership Rewards Points after you spend $8,000 on eligible purchases on your new Card within the first 6 months of Card Membership. You earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. There is a $695 annual fee.
This card includes several benefits for travelers: This card offers up to a $200 airline fee credit per calendar year to cover incidental fees at one select qualifying airline. Enrollment required. This card gives you complimentary access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass™ Select, and Airspace Lounge. Enrollment required for Priority Pass Select. There is no foreign transaction fees. This card also gives you access to Platinum Card® Concierge. You can enroll to get complimentary Hilton Honors Gold Status and complimentary Marriott Bonvoy Gold Elite Status. Terms Apply. | | Our Review: Is The Platinum Card® from American Express worth it? Read this in-depth review to help you decide... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | N/A | $695 |
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At Chase's Secure Site | Ink Business Preferred® Credit Card lets you earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases. There are no foreign transaction fees. There is a $95 annual fee. | Airline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus. | | Our Review: Looking for a new business credit card? Ink Business Preferred® offers more than a sign up bonus. Read this review to see if the benefits are worth it... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 20.49% - 26.49% Variable | $95 |
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| American Express® Business Gold Card earns 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. This card earns 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. There is a $375 annual fee. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on purchases for 6 months from the date of account opening | N/A | 18.49% - 27.49% Variable | $375 |
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| Delta SkyMiles® Gold American Express Card earns 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. This card earns 2x miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.. Earn 1x miles on all other eligible purchases. After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel. There is a $150 annual fee ($0 introductory annual fee for the first year).
If you fly Delta, here's what you should know: you can check your first bag free on Delta flights with this card. Terms apply. | | Our Review: There are many credit cards that earn Delta miles to choose from, so how do you decide if the Delta SkyMiles® Gold American Express Card is right for you? Read this review before you apply... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 28.99% Variable | $0 introductory annual fee for the first year, then $150 |
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| Capital One Venture Rewards Credit Card offers 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months. Plus receive a one-time $250 Capital One Travel credit in your first cardholder year. This card earns 2 miles per dollar on all purchases. There are no foreign transaction fees. You get up to $100 credit for Global Entry or TSA Pre✓®. There is a $95 annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 29.49% (Variable) | $95 |
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| The Business Platinum Card® from American Express offers 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. You get 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. You can use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back (up to 500,000 bonus points per calendar year) when you book on amextravel.com. There is a $695 annual fee.
This card has premium benefits for travelers: The card includes access to the Global Lounge Collection, which gives you complimentary access to over 1,300 airport lounges worldwide. That includes Delta Sky Club, The Centurion lounge network, The International American Express lounges, Priority Pass Select lounges (enrollment required), and Airspace Lounge. Terms Apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 18.49% - 27.49% Variable | $695 |
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| American Express® Gold Card earns 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. There is a $325 annual fee. Terms apply. | | Our Review: If you spend a lot, the American Express® Gold Card may be worth considering. Read on for the pros and cons of the AMEX Gold Card... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | N/A | $325 |
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| Delta SkyMiles® Platinum American Express Card earns 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. This card earns 3x miles on Delta purchases and purchases made directly with hotels. Earn 2x miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X miles on all other eligible purchases. There is a $350 annual fee.
If you fly Delta, here's what you should know: you can check your first bag free on Delta flights with this card. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 28.99% Variable | $350 |
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| The Plum Card® from American Express helps you manage cash flow. You earn an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date. Or you can take up to 60 days to pay with no interest (if you pay your minimum due by the payment due date). There are no foreign transaction fees. There is an $250 annual fee. Terms apply. | | Card Type | Annual Fee | | Business Charge Card | $250 |
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| Delta SkyMiles® Gold Business American Express Card earns 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership. Additionally, if you spend $10,000 on purchases in a calendar year, you will earn a $200 Delta Flight Credit that can be used toward future travel. There are no foreign transaction fees. There is a $150 annual fee ($0 introductory annual fee for the first year).
If you fly Delta, here's what you should know: you can check your first bag free on Delta flights with this card. Plus, you can settle into your seat sooner with Zone 5 Priority Boarding. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 28.99% Variable | $0 introductory annual fee for the first year, then $150 |
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| Delta SkyMiles® Reserve American Express Card earns 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. This card earns 3x miles on Delta purchases and 1x miles on all other eligible purchases. You get complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card. You can check your first bag free on Delta flights with this card. There is a $650 annual fee. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 28.99% Variable | $650 |
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| Hilton Honors American Express Card earns 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. This limited time offer ends 1/8/2025. This card earns 7x points for eligible purchases charged on your card directly with hotels and resorts within the Hilton portfolio. You will earn 5X points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Plus, you will get complimentary Hilton Honors™ Silver status. If you spend $20,000 on eligible purchases in a calendar year, you can earn Gold status (through the end of the next calendar year). There is no annual fee. Terms apply. | | Our Review: Hilton Honors American Express Card is a popular hotel credit card. So what's the catch? Read on to see if the Hilton AMEX is worth applying for... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 28.99% Variable | $0 |
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At Chase's Secure Site | Ink Business Premier® Credit Card lets you earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. There is a $195 annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | Flex for Business Variable APR: 18.74% - 26.74% | $195 |
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| Mastercard® Black Card™ is a black PVD-coated stainless steel front and carbon back card. It offers 2% value for airfare redemptions and 1.5% value for cash back redemptions. There is a 24/7 concierge available by phone, email, SMS, and chat in the app. You get up to a $100 annual airline credit and up to a $120 application fee credit for TSA Pre✓® or Global Entry. There is a $495 annual fee ($195 for each Authorized User) | | | | Our Review: Want to know if the Mastercard® Black Card™ is worth its cost? Discover the privileges and requirements in this in-depth review... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. | 20.49% to 28.49% | $495 ($195 for each Authorized User) |
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| The Hilton Honors American Express Business Card earns 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. This limited time offer ends 1/8/2025. This card earns 12X Hilton Honors Bonus Points on eligible Hilton purchases. Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter. Plus, you receive complimentary Hilton Honors™ Gold Status. There is a $195 annual fee. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 28.99% Variable | $195 |
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| Bank of America® Business Advantage Travel Rewards World Mastercard® credit card offers 30,000 bonus points if you make at least $3,000 in net purchases within the first 90 days of opening your account. This card earns 1.5 points for every dollar spent on purchases. There are no foreign transaction fees and no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 9 billing cycles | N/A | 17.74% - 27.74% Variable APR on purchases and balance transfers | $0 |
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| Bank of America® Premium Rewards® credit card offers 60,000 bonus points after you make at least $4,000 in purchases within the first 90 days of opening your account. This card earns 2 points for every $1 spent on travel and dining purchases and 1.5 points per $1 spent on all other purchases. There is a $95 annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 20.49% - 28.49% Variable APR on purchases and balance transfers | $95 |
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| Bank of America® Travel Rewards credit card offers 25,000 online bonus points if you spend at least $1,000 on purchases within the first 90 days of opening your account. 25,000 points is worth a $250 statement credit toward travel purchases. This card earns 1.5 points per $1 spent on all purchases. You can redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, car rentals, or baggage fees. There are no foreign transaction fees. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% Introductory APR on purchases for 12 billing cycles | N/A | 18.49% - 28.49% Variable APR on purchases and balance transfers | $0 |
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| Delta SkyMiles® Blue American Express Card offers 10,000 bonus miles after you spend $1,000 on purchases within the first 6 months. This card earns airline miles: 2 miles per dollar spent at restaurants and on Delta purchases. Earn 1x mile on other eligible purchases. There is no annual fee. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 28.99% Variable | $0 |
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| Delta SkyMiles® Platinum Business American Express Card earns 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. There is a $250 annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 28.99% Variable | $350 |
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| Delta SkyMiles® Reserve Business American Express Card earns 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership. Earn 3 miles per dollar on eligible Delta purchases. There are no foreign transaction fees. There is a $650 annual fee. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 28.99% Variable | $650 |
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| HSBC Gold Mastercard® credit card offers a 0% Intro APR on purchases and balance transfers for the first 18 months from Account opening. Then a variable APR of 13.99% - 22.99% will apply. There is no penalty APR, no foreign transaction fees and no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% Intro APR for 18 months | 0% Intro APR for 18 months | Variable APR of 13.99% - 22.99% will apply after the Introductory Period | $0 |
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| Marriott Bonvoy Brilliant® American Express® Card earns 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate. This card earns 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card. Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. There is a $650 annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 28.99% Variable | $650 |
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| Marriott Bonvoy Business® American Express® Card earns 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply. Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. Earn 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. Earn 2x Marriott Bonvoy Business® American Express® Card points on all other eligible purchases. You receive 1 Free Night Award every year after your Card renewal month. Plus, you can earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Certain hotels have resort fees. There is a $125 annual fee. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 28.99% Variable | $125 |
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| Southwest Rapid Rewards Premier Business Credit Card lets you earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening. This card offers 6,000 bonus points after your Cardmember anniversary. Earn 4X points on Southwest® purchases. Earn 2X points on Rapid Rewards® hotel and car partners. Earn 2X points on rideshare. Earn 2X points on internet, cable, and phone services. 1 point per $1 spent on all other purchases. There are no foreign transaction fees. There is a $99 annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 20.74% - 27.74% Variable | $99 |
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| Discover it® Cash Back will match all the cash back you've earned at the end of your first year. This offer is only for new customers. This card earns 5% cash back in bonus categories that change each quarter (up to the quarterly maximum; requires free activation each quarter). All other purchases earn 1% cash back. | | Our Review: With bonus cash back, low interest rate and no annual fee, Discover It is a good card for many. Is it right for you? Read on for the pros and cons... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 15 months | 0% for 15 months | 18.49% - 27.49% Variable | $0 |
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| Discover it® Student Cash Back will match all the cash back you've earned at the end of your first year. This offer is only for new customers. This card earns 5% cash back in bonus categories that change each quarter (up to the quarterly maximum; requires free activation each quarter). All other purchases earn 1% cash back. Plus, you earn a $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 6 months | 10.99% for 6 months | 17.49% - 26.49% Variable | $0 |
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| Southwest Rapid Rewards Premier Credit Card earns a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening. This card earns 6,000 anniversary points each year. Earn 3X points on Southwest purchases. You earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, phone services, and select streaming. 1 point per dollar spent on all other purchases. There is no foreign transaction fee. There is a $99 annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 20.74% - 27.74% Variable | $99 |
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| Capital One Quicksilver Cash Rewards Credit Card offers $200 cash back if you spend $500 on purchases within three months of account opening. This card earns 1.5% cash back on all purchases. There is a 0% intro APR on purchases and balance transfers for 15 months. After that, a variable APR, currently 19.49% to 29.49%. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% intro on purchases for 15 months | 0% intro on balance transfers for 15 months | 19.49% - 29.49% (Variable) | $0 |
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| Spark Classic from Capital One offers 1% cash back on every purchase. This card is for business owners with average credit. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 29.99% (Variable) | $0 |
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| Capital One QuicksilverOne Cash Rewards Credit Card earns 1.5% cash back on all purchases. There is a $39 annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 29.99% (Variable) | $39 |
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| Capital One Spark Cash Plus offers a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months. This card earns 2% cash back on every purchase. There is a $150 annual fee. | | Card Type | Annual Fee | | Business Charge Card | $150 |
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| Capital One Spark Miles for Business offers a one-time bonus of 50,000 miles after you spend $4,500 on purchases within the first 3 months. This card earns 2 miles per $1 on every purchase. There is a $95 annual fee ($0 intro annual fee for the first year). | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 26.24% (Variable) | $0 intro for first year; $95 after that |
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| Capital One VentureOne Rewards Credit Card offers a one-time bonus of 20,000 miles if you spend $500 on purchases within three months of account opening. 20,000 miles is equal to $200 in travel. This card earns 1.25 miles per dollar on all purchases. You can redeem miles toward travel purchases on any airline, hotel, or car rental. There is a 0% intro APR on purchases and balance transfers for 15 months. After that, a variable APR, currently 19.49% to 29.49%. There are no foreign transaction fees. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% intro on purchases for 15 months | 0% intro on balance transfers for 15 months | 19.49% - 29.49% (Variable) | $0 |
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| Capital One Spark Cash Select for Business offers a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of account opening. This card earns 1.5% cash back on every purchase. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 18.24% - 24.24% (Variable) | $0 |
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| Hilton Honors American Express Aspire Card offers 150,000 Bonus Points after you spend $4,000 on purchases within the first 3 months of opening your new card account. You earn a Weekend Night Reward with your new card and every year after renewal. Plus, you earn an additional night after you spend $60,000 on purchases on your card in a calendar year. You earn 14X Hilton Honors Bonus Points for each dollar of eligible purchases spent directly at a hotel or resort within the Hilton Portfolio. You earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases for flights booked directly with airlines or amextravel.com, car rentals booked directly with select car rental companies, and U.S. restaurants. For all other eligible purchases, you earn 3X Hilton Honors Bonus Points. You enjoy complimentary Hilton Honors Diamond Status. You also enjoy up to $250 in statement credit each year for eligible purchases at participating Hilton Resorts. There is a $450 annual fee. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 28.99% Variable | $450 |
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| Citi® / AAdvantage® Executive World Elite Mastercard® offers 70,000 American Airlines AAdvantage® miles if you spend $7,000 on purchases in the first three months of opening your account.
Enjoy Admirals Club membership and complimentary Admirals Club lounge access for authorized users. This card lets you enjoy priority check-in (where available), priority airport screening (where available), and priority boarding (Group 4) on American Airline domestic flights. You also get the first checked bag free on domestic AA itineraries for you (and up to 8 companions traveling with you on the same reservation). There is a $595 annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 20.49% - 29.24%* (Variable) | $595 |
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| Citi® / AAdvantage® Platinum Select® World Elite Mastercard® offers 75,000 American Airlines AAdvantage® bonus miles after you make $3,500 in purchases within the first 4 months
of account opening. This is a limited time offer. Plus, you earn a $125 AA Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card.
This card earns 2 miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases. This card lets you enjoy preferred boarding on American Airline domestic flights. You also get the first checked bag free on domestic AA itineraries for you (and up to 4 companions traveling with you on the same reservation). There is a $99 annual fee (waived for the first 12 months). | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 20.49% - 29.49%* (Variable) | $99, waived for first 12 months* |
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| Discover it® Chrome will match all the cash back you've earned at the end of your first year. This offer is only for new customers. This card earns 2% cash back at gas stations and restaurants (on up to $1k in combined purchases every quarter with no quarterly activation required). All other purchases earn 1%. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 15 months | 0% for 15 months | 18.49% - 27.49% Variable | $0 |
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| Discover it® Miles will match all the miles you've earned at the end of your first year. This offer is limited to new cardmembers only. This card earns 1.5x miles on all purchases and has no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 15 months | 10.99% for 15 months | 18.49% - 27.49% Variable | $0 |
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| Spark Miles Select from Capital One offers a one-time bonus of 20,000 miles if you spend $3,000 on purchases within three months of account opening. This card earns 1.5 miles per dollar on every purchase. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 17.99% - 23.99% (Variable) | $0 |
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| American Express® Green Card earns 60,000 Membership Rewards® Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership. Plus, earn 20% back on eligible travel and transit purchases made during your first 6 months of Card Membership, up to $200 back in the form of a statement credit. This card earns 3X points on eligible travel, transit purchases and at restaurants worldwide, including takeout and delivery in the US. There are no foreign transaction fees. There is a $150 annual fee. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | See Pay Over Time APR | $150 |
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| Capital One Platinum Credit Card offers a no annual fee credit card to people with fair credit. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 29.99% (Variable) | $0 |
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| Hilton Honors American Express Surpass® Card earns 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. This limited time offer ends 1/8/2025. You earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases spent directly with a hotel or resort within the Hilton portfolio. You earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases spent at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. You earn 4X Points for each dollar on U.S. Online Retail Purchases. For all other eligible purchases, you earn 3X Hilton Honors Bonus Points. If you spend $40,000 on eligible purchases in a calendar year, you earn Hilton Honors™ Diamond status through the end of the next calendar year. There is a $150 annual fee. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 28.99% Variable | $150 |
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| Capital One Platinum Secured reports to the 3 major credit bureaus to help you build credit when used responsibly. This secured credit card's variable APR is 29.99%. You can receive an initial $200 credit line with a security deposit of $49, $99 or $200, depending on your creditworthiness. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 29.99% (Variable) | $0 |
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| Costco Anywhere Visa® Card by Citi earns 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter. This card earns 3% cash back on restaurants and eligible travel purchases; 2% cash back on all other purchases from Costco and Costco.com; and 1% cash back on all other purchases. There is no annual fee with your paid Costco membership. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.74% - 27.74%* (Variable) | $0 |
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| Discover it® Secured reports to the 3 major credit bureaus to help you build or rebuild credit with responsible use. The minimum refundable security deposit is $200 (up to the amount Discover approves) and your credit line equals your deposit. Starting at 8 months, Discover will perform automatic monthly reviews based on your responsible credit management across all your credit cards and loans to see if you could qualify to transition to an unsecured line of credit. You will see your FICO credit score for free on your monthly statement and in your online account. There is no annual fee.
But here's where it gets interesting. Discover it® Secured credit card offers rewards: 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter); 1% cash back on other purchases. As a promotion for new cardmembers, Discover will match all the cash back you've earned at the end of your first year. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | 10.99% for 6 months | 27.49% Variable | $0 |
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| Discover it® Student Chrome will match all the cash back you've earned at the end of your first year. This offer is only for new customers. This card earns 2% cash back at restaurants and gas stations (on up to $1k in combined purchases every quarter with no quarterly activation required). All other purchases earn 1%. Plus, you can earn $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 6 months | 10.99% for 6 months | 17.49% - 26.49% Variable | $0 |
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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.
Disclaimer: The information for the The Platinum Card® from American Express, American Express® Business Gold Card, Delta SkyMiles® Gold American Express Card, Capital One Venture Rewards Credit Card, The Business Platinum Card® from American Express, American Express® Gold Card, Delta SkyMiles® Platinum American Express Card, Delta SkyMiles® Gold Business American Express Card, Delta SkyMiles® Reserve American Express Card, Hilton Honors American Express Card, Mastercard® Black Card™, The Hilton Honors American Express Business Card, Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, Bank of America® Premium Rewards® credit card, Bank of America® Travel Rewards credit card, Delta SkyMiles® Blue American Express Card, Delta SkyMiles® Platinum Business American Express Card, Delta SkyMiles® Reserve Business American Express Card, HSBC Gold Mastercard® credit card, Marriott Bonvoy Brilliant® American Express® Card, Marriott Bonvoy Business® American Express® Card, Southwest Rapid Rewards Premier Business Credit Card, Discover it® Cash Back, Discover it® Student Cash Back, Southwest Rapid Rewards Premier Credit Card, Capital One Quicksilver Cash Rewards Credit Card, Spark Classic from Capital One, Capital One QuicksilverOne Cash Rewards Credit Card, Capital One Spark Miles for Business, Capital One VentureOne Rewards Credit Card, Capital One Spark Cash Select for Business, Hilton Honors American Express Aspire Card, Citi® / AAdvantage® Executive World Elite Mastercard®, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Discover it® Chrome, Discover it® Miles, Spark Miles Select from Capital One, American Express® Green Card, Capital One Platinum Credit Card, Hilton Honors American Express Surpass® Card, Capital One Platinum Secured, Costco Anywhere Visa® Card by Citi, Discover it® Secured, and Discover it® Student Chrome has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.
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.
