Best Credit Cards with No Foreign Transaction Fees

Traveling abroad is an exciting adventure, full of new places, sounds, tastes, and experiences. However, if you plan to use your credit card when exploring foreign lands, you’re in for an unwelcome surprise. The bank will likely charge you 1% to 3% of the transaction amount for each operation you make while traveling. As you can guess, this can significantly harm your travel budget.

Is there a way to sidestep these unwanted expenses? Yes! In fact, there are lots of credit cards without foreign transaction fees that you can apply for today.

Benefits of Using Credit Cards With No Foreign Transaction Fees

Whether you are an occasional adventurer or a seasoned globetrotter, opting for a no foreign transaction fee credit card will surely be a game-changer. Here’s why:

• Cost Savings: Without any added fees, you will save money on literally every purchase you make abroad. You can indulge in local delicacies, snag souvenirs, or book accommodations, all without facing additional fees.
• Convenience: Carrying cash while traveling is risky and inconvenient. While having some risks of its own, a travel credit card is generally much, much safer. Plus, you’ll have access to emergency funds, which can literally save your life in some cases.
• Rewards and Perks: Many cards with no foreign transaction fee also have lucrative rewards programs, such as cashback, airline and travel miles, and free hotel stays. These benefits can further reduce your travel costs or support the financing of upcoming journeys.
• Consumer Protection: Besides being harder to steal, a no-fees credit card also grants you access to all the typical security measures like fraud protection and dispute resolution services.

How to Choose a Travel Credit Card

Consider the following factors:

• Rewards: Assess the card’s rewards to see if they match your spending patterns and travel preferences.
• Annual Fee and APR: Some credit cards may waive foreign transaction fees but charge a “heavy” annual fee and feature high APRs. Assess whether the merits and rewards really outweigh the annual cost.
• Worldwide Acceptance: Visa and Mastercard are both globally accepted networks, offering greater convenience and accessibility.
• Additional Benefits: Seek out additional merits like travel insurance, access to airport lounges, or concierge services.

What Credit Cards Have No Foreign Transaction Fees in 2025?

Hundreds of banks and credit unions are actively trying to outcompete each other in a daily struggle for our attention. Consequently, it is not at all difficult to find a credit card with no foreign transaction fee, and you are likely to spot a bunch of them just by visiting any major bank’s website. Yet, they are not all made equal.

To save you time and effort on deep research, we’ve made a list of credit cards with no transaction fees and favorable terms available in 2025.

Chase Sapphire Preferred Card

This card seems to be one of the best options on the market right now. The travel benefits provided are exceptionally attractive:

• The 60,000 intro bonus points credited if you spend $4,000 in the first 3 months of card use will translate into $750 for travel expenses when retrieved through Chase Ultimate Rewards;
• The branded trip cancellation insurance will keep you safe from non-refundable travel costs. You can get a reimbursement of up to $10,000 per person and $20,000 per trip;
• A special baggage delay insurance will compensate up to $100 per day for 5 days for purchasing prime essentials due to the luggage being delayed by a carrier;
• In case of trip delays for over 12 hours, you can get up to $500 in compensation for meals and lodging;
• An extended list of airline and hotel partners allows you to transfer your bonus points at a 1:1 rate;
• Get up to $50 in statement credits for hotel costs incurred through Chase Ultimate Rewards;
• You can earn 5x points on trips acquired through Chase Ultimate Rewards.

Chase Sapphire Preferred Card Pros

• A generous intro bonus;
• Exclusive travel perks and protections;
• A decent set of rewards;
• Flexible redemption options.

Chase Sapphire Preferred Card Cons

• $95 annual fee;
• No introductory APR on purchases;
• Only available to individuals with good to excellent credit score;
• No premium add-ons like a business lounge, TSA PreCheck credit, etc.

Capital One Venture Rewards Credit Card

This card is known for being extra flexible. With no foreign transaction fees in place and Visa support, it can be used globally without incurring additional charges.

Why choose this option?

• 75,000 miles for new cardholders spending over $4,000 during the first 3 months of use;
• You can earn miles on all purchases to offset future travel costs;
• Miles can be utilized for travel statement credits or transferred to the partners’ loyalty programs;
• The card offers travel accident insurance at no charge;
• 24/7 concierge service;
• Up to $100 for TSA PreCheck or Global Entry;
• 5x miles on car rentals and hotels booked through Capital One Travel.

Capital One Venture Rewards Credit Card Pros

• Great signup bonus;
• Straightforward rewards structure;
• Rewards are redeemable via PayPal;
• $0 fraud liability;
• Capital One Shopping tool;
• Shopping with rewards at Amazon;
• Global acceptance with Visa;
• Special perks from Capital One Travel.

Capital One Venture Rewards Credit Card Cons

• $95 annual fee;
• A limited list of travel transfer partners (a total of 18, as of 2025);
• Requires an excellent credit score to access.

Bank of America Travel Rewards Credit Card

It’s one of the best no foreign transaction fee credit cards for travelers. This card allows you to earn 1.5 points per dollar on all spending and purchases, with the points redeemable for statement credits toward travel expenses. There’s no annual fee, making it an attractive option for occasional travelers. Additionally, Bank of America Preferred Rewards members can earn 25–75% more bonus points on purchases.

Bank of America Travel Rewards Credit Card Pros

• No annual fee;
• 25,000 bonus points that will convert into $250 for the cardholders who spent over $1,000 within 90 days of activating their account;
• 0% intro APR for 15 billing cycles within 60 days;
• Non-expiring rewards;
• No blackout dates or restrictions on travel redemption.

Bank of America Travel Rewards Credit Card Cons

• Low reward rates;
• Little to none additional travel benefits.

American Express Platinum Card

It’s a premium credit card without foreign transaction fee, and it comes with a suite of luxury benefits that’ll make any frequent traveler jealous. Cardholders can earn Membership Rewards points on qualified purchases, which they can redeem for travel, gift cards, merchandise, or transfers to various airline and hotel providers. Additionally, cardholders enjoy:

• Global airport lounge access in 1,400 airports across 140 countries;
• $200 hotel credit annually for bookings via American Express Travel;
• Up to $200 airline fee credits per year;
• Lower fares with the International Airline Program for trips starting in and returning to the US;
• Added points, perks, and rewards with the Fine Hotels + Resort program;
• Elite status for Marriott and Hilton hotels.

American Express Platinum Card Pros

• 125,000 Membership Rewards points if you spend $8,000 within 6 months of opening an account;
• 5x points for flights and prepaid online hotel bookings via Amex Travel;
• 1x points on eligible purchases;
• $155 Walmart+ statement credit for a monthly Walmart subscription;
• $200 in cash annually for rides and eats with Uber and Uber Eats;
• Extensive shopping and entertainment rewards.

American Express Platinum Card Cons

• $695 annual fee;
• No intro APR;
• Limited acceptance in some regions compared to Visa or Mastercard.

Conclusion

As you can see, there are several feature-rich and attractive credit cards with no foreign transaction fee on the market, each with its specific pros and cons. Which will best work for you? It depends on your spending habits, travel plans, and willingness to pay for premium perks. In any case, we hope this brief review will help you make the right choice.