Editor’s note: This is a recurring post, regularly updated with new information and offers.
If you’re a frequent traveler, you might be familiar with foreign transaction fees — and how they can add up, making every purchase more expensive.
When you make a purchase in a foreign country through an international merchant, your credit card issuer charges these fees, typically up to 3% of the transaction amount.
The good news? Many credit cards waive foreign transaction fees entirely, helping you save money when you travel. In fact, Discover and Capital One don’t charge foreign transaction fees on any of their cards.
Here’s our guide to finding a no-foreign-transaction-fee credit card that works for you. (see rates and fees), (see rates and fees)
Related: 9 types of cards you should pack for your next trip abroad
Comparing the best no-foreign-transaction-fee credit cards
| Card | Best for | Welcome offer | Earning rates | Annual fee |
| Capital One Venture Rewards Credit Card | Flat-rate earning | Earn 75,000 miles after spending $4,000 on purchases within the first three months of account opening, plus receive a one-time $250 Capital One Travel credit to use in your first cardholder year |
|
$95 |
| Chase Sapphire Preferred® Card | Total value | Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening. |
|
$95 |
| Bilt Mastercard®* (see rates and fees) | Renters | N/A |
(Must use Bilt Mastercard 5 times each statement period to earn points on rent and qualifying net purchases) |
$0 |
| Capital One Savor Cash Rewards Credit Card | Entertainment spending | Earn $200 cash back after spending $500 on purchases within three months of account opening |
|
$0 |
| Ink Business Preferred® Credit Card | Bonus spending | Earn 90,000 bonus points after spending $8,000 in the first three months from account opening. |
|
$95 |
| American Express® Gold Card | Dining at restaurants worldwide | Earn 60,000 points after spending $6,000 in the first six months of card membership. |
|
$325 (see rates and fees) |
| The Platinum Card® from American Express | Luxury perks | Earn 80,000 points after spending $8,000 in the first six months of card membership. |
|
$695 (see rates and fees) |
| Bank of America® Premium Rewards® credit card | Bank of America customers | Earn 60,000 online bonus points after making at least $4,000 in purchases in the first 90 days of account opening. |
|
$95 |
| Chase Sapphire Reserve® | Travel | Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening. |
|
$550 |
| Alaska Airlines Visa Signature® credit card | Airline miles | Get 70,000 bonus miles plus Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer after making $3,000 or more in purchases within the first 90 days of opening your account. |
|
$95 |
| One Key+™ Card (see rates and fees) | Expedia enthusiasts | Earn $600 in OneKeyCash™ after you spend $3,000 on purchases in the first three months of card membership. |
|
$99 |
| Discover it® Cash Back** | No annual fee and no foreign transaction fees | Earn Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year. |
|
$0 |
| American Express® Green Card** | Beginner travelers | Earn 40,000 bonus points after spending $3,000 in eligible purchases within the first six months of card membership. |
|
$150 |
| U.S. Bank Altitude™ Reserve Visa Infinite® Card** | ApplePay and mobile wallet users | Earn 50,000 points after spending $4,500 in the first 90 days |
|
$400 |
*TPG Brian Kelly is a Bilt advisor and investor.
**The information for the Discover it Cash Back, the U.S. Bank Altitude Reserve Visa Infinite and the Amex Green card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
How to choose a no-foreign-transaction-fee credit card
Consider where you’re traveling
Before choosing a credit card, make sure it’s widely accepted in the countries you plan to visit. Even the best travel card won’t be useful if merchants don’t take it.
For example, Visa and Mastercard are generally accepted almost everywhere, while issuers such as Discover and American Express are often limited outside North America. Checking ahead can help you pick the best card for your destination and avoid payment issues while abroad.
Related: Where to go in 2025: The 29 best places to travel
Determine your overall goals
When choosing a no-foreign-transaction-fee credit card, consider what matters most to you. A generous welcome offer can add significant value, but you might prioritize an ongoing rewards program that aligns with your spending instead.
Think about your primary goal — do you want to maximize travel rewards, earn cash back or focus on paying down a balance? With several no-foreign-transaction-fees cards available, try to narrow down your options by deciding what type of card makes sense for you.
You might opt for a premium travel rewards card, a no-annual-fee cash back card or something in between.
For example, if you’re planning a lavish 10-day getaway or have multiple trips lined up for the year, a premium travel rewards card could offer the most value with perks like lounge access and bonus points on travel purchases.
On the other hand, if you’re an occasional traveler taking a short trip abroad, a no-annual-fee or cash back card with no foreign transaction fees might be a more practical choice. Fortunately, plenty of options are available to fit different travel styles and budgets.
Related: How to pick the right travel credit card for you
Compare welcome offers
Once you’ve identified the type of card that fits your needs, the next step is comparing current welcome offers. A strong welcome bonus can significantly boost a card’s value, especially if it comes with a large amount of points, miles or cash back after meeting the minimum spending requirement.
However, a welcome offer isn’t everything. You might prioritize a card with a lucrative, long-term rewards program over one with a short-term bonus — keep your goals in mind when making this decision.
To help, TPG has a guide that tracks the welcome offer history on some of the most popular travel cards on the market. It can help you determine the best time to apply for a specific card.
Related: How can I get a higher, targeted credit card introductory bonus?
How do I pay foreign transaction fees?
Foreign transaction fees are automatically applied to your credit card statement when you make a purchase in a foreign currency. There’s no separate payment process — the fee is bundled into the total charge that appears on your statement.
If your credit card has foreign transaction fees, you will see them listed alongside each international transaction.
Are foreign transaction fees impacted by exchange rates?
No, foreign transaction fees are not impacted by exchange rates. These fees are separate charges imposed by your credit card issuer for processing transactions in a foreign currency.
While exchange rates may fluctuate based on market conditions, foreign transaction fees remain a fixed percentage of your purchase amount — typically up to 3%.
Bottom line
There are plenty of no-foreign-transaction-fee credit cards on the market. Considering a few basic factors, you can find a card that will give you plenty of value, whether traveling abroad or staying at home.
Related: Foreign transaction fees: Everything you need to know
For rates and fees of the Bilt Mastercard, click here.
For rewards and benefits of the Bilt Mastercard, click here.
For rates and fees of the Amex Gold Card, click here
For rates and fees of the Amex Platinum Card, click here
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