Best no-foreign-transaction-fee credit cards
Updated 2026-07-23Every card on this list charges 0% on purchases made abroad, so none of them skims a surcharge off your hotel in Lisbon or your dinner in Tokyo. Once the foreign transaction fee is gone, the ranking comes down to a different question. Which card earns the most and travels the best? These eight all clear the fee bar, then separate on rewards abroad, network acceptance, and the perks that matter when you're far from home.
How we rank: We started with cards that charge a 0% foreign transaction fee, then ranked them by how well they earn on overseas and travel spending, how widely their network is accepted internationally, and whether their credits and perks pay off on the road.
- 1175,000 points bonusThe Platinum Card® from American Express
American Express · American Express · $895/yr
Zero foreign transaction fees on a card built for the airport, earning 5X on flights booked direct or through Amex Travel and 5X on prepaid hotels, and it stacks travel perks like the $200 airline fee credit and up to $120 for Global Entry, though you pay an $895 annual fee for the access.
1x base5x Flights booked directly with5x Prepaid hotels booked throug - 2100,000 points bonusChase Sapphire Reserve®
Chase · Visa · $795/yr
No foreign transaction fees on a Visa that's accepted almost everywhere you'll travel, earning 3X on dining worldwide and 8X on travel booked through Chase Travel, with a $300 annual travel credit that softens the $795 fee.
1x base8x Travel booked through Chase 5x Eligible Lyft rides4x Flights and hotels booked di - 3100,000 points bonusAmerican Express® Gold Card
American Express · American Express · $325/yr
It waives foreign transaction fees and earns 4X at restaurants worldwide, making it a strong dining card overseas for a $325 fee, but it runs on the American Express network, which fewer international merchants accept than Visa or Mastercard.
1x base4x Restaurants worldwide4x U.S. supermarkets5x Prepaid hotels booked on Ame - 460,000 points bonusCiti Strata Premier℠ Card
Citi · Mastercard · $95/yr
A $95 Mastercard with no foreign transaction fees that earns 3X at restaurants, supermarkets, and on air travel, plus 10X on hotels and car rentals booked through Citi Travel, so you get broad travel earning without a big fee.
1x base10x Hotels, car rentals and attr3x Air travel and other hotel p3x Restaurants - 575,000 miles bonusCapital One Venture X Rewards Credit Card
Capital One · Visa · $395/yr
No foreign transaction fees, a widely accepted Visa, and 2X miles on everything you buy abroad, with a $300 annual travel credit and 10,000 anniversary miles (worth about $100) that together roughly offset the $395 fee.
2x base10x Hotels and rental cars booke5x Flights, vacation rentals an5x Capital One Entertainment pu - 6100,000 points bonusChase Sapphire Preferred® Card
Chase · Visa · $95/yr
The cheaper Sapphire drops foreign transaction fees too, pairing a widely accepted Visa with 3X dining and 5X travel through Chase Travel for just $95 a year.
1x base5x Travel booked through Chase 3x Dining3x Gas and EV charging - 775,000 miles bonusCapital One Venture Rewards Credit Card
Capital One · Mastercard · $95/yr
A $95 Mastercard with no foreign transaction fees and a flat 2X miles on every purchase, so it earns the same abroad as at home without tracking categories, plus up to $120 for Global Entry.
2x base5x Hotels and rental cars booke - 8$250 bonusCapital One Savor Cash Rewards Credit Card
Capital One · Mastercard · No annual fee
The only no-annual-fee pick here, and it still charges 0% abroad while earning 3% back on dining, entertainment, and groceries, a solid backup to carry overseas when you don't want to owe a fee.
1% base3% Dining3% Entertainment3% Popular streaming services
Bottom line
For heavy travelers, the Amex Platinum ($895) and Chase Sapphire Reserve ($795) pack the most travel value once the foreign fee is gone, and the Reserve's Visa is the easier card to hand over abroad. If you'd rather not pay much, the $95 Citi Strata Premier, Sapphire Preferred, and Venture Rewards all skip foreign transaction fees while still earning well, and the no-annual-fee Savor is the one to keep for trips where you just don't want to be surcharged.
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