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Whether it's for business or pleasure, there's a lot to juggle when you're planning a trip abroad -- including how you're going to pay for everything while you're there. If you'll be using a credit card overseas, it's important to find out if your credit card company adds a fee for international transactions.
Unfortunately, many US-issued credit cards include a foreign transaction fee when you use them abroad. Typically, the fee is small (between 1-3% of your purchase), but it can quickly add up over the course of your trip. The same applies if you're based in the U.S. but frequently buy from international retailers.
The good news is that a number of the top credit cards don't have foreign transaction fees. However, these cards can vary quite a bit in terms of annual fees, sign-up bonuses, and rewards rates, so it's imperative to do your research before signing up. Below, you'll find a list of top cards to consider so you can determine the best no foreign transaction fee credit card for your needs.
card highlights intro bonusEarn 60,000 bonus points after you spend$4,000 on purchases in the first 3 months from account opening. That's$750 when you redeem through Chase Ultimate Rewards?.APR21.24% - 28.24% Variablerecommended creditExcellent/Goodreward rates Chase Sapphire Preferred is an extremely popular rewards credit card -- and it's easy to understand why. The card comes with tons of perks, including an impressive sign-up bonus of 60,000 points if you spend$4,000 within three months of opening your card.
You can maximize your points earnings when you spend in certain categories, including dining, online grocery shopping, and travel. When you're ready to redeem, you can transfer them to your airline or hotel rewards programs or use them to reserve travel through the Chase Ultimate Rewards portal (for 25% more value). Or, if you don't want to redeem your points for travel, you can swap them for cashback.
With an annual fee of just$95, it's hard to beat the Chase Sapphire Preferred in terms of value -- especially for frequent travelers. It could also be a good option if it's your first rewards credit card because it strikes a good balance between perks and an affordable annual fee.
Pros:
Fantastic sign-up bonus
Extra incentives for booking travel through Chase
Bonus points for spending in certain categories
Cons:
Need to meet the minimum spend to qualify for the sign-up bonus
Can't transfer points to a certain airline or hotel loyalty programs
Higher annual fee than some other cards
card highlights intro bonusEnjoy a one-time bonus of 75,000 miles once you spend$4,000 on purchases within 3 months from account opening, equal to$750 in travelAPR20.99% - 28.99% (Variable)recommended creditExcellent, Goodreward rates It can be confusing with some credit cards to remember how many bonus points you'll earn on different types of transactions. But this isn't the case with the Capital One Venture Rewards Credit Card, which offers two miles per dollar spent across every purchase you make.
If you're thinking about saving your miles for a few years to splurge on a business class flight or a honeymoon, the Venture card could be a smart choice. As long as your account stays open, your rewards won't expire, and there's no limit on how many points you can accrue. When you're ready to use your miles, you can book directly with your provider and receive a statement credit. Alternatively, you can opt to transfer your points to one of Capital One's travel partners (including British Airways, and Qantas).
At$95, Venture's annual fee is similar to its competitors. Overall, it's an interesting option if you're a regular traveler looking for a simple, easy-to-understand rewards card with a decent sign-up bonus.
Pros:
2x miles per dollar on every purchase
Includes statement credit for Global Entry or TSA PreCheck access
75,000 point sign-up bonus when you spend$4,000 in the first three months
Cons:
No special bonus point categories
Capital One's travel partners do not include major U.S. airlines
Not the best option for infrequent travelers
card highlights intro bonusEarn 60,000 Membership Rewards? points after you spend$4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.APRSee Pay Over Time APRrecommended creditExcellent/Goodreward rates American Express? credit cards are often recognized for their generous perks, and the American Express? Gold Card is no exception -- especially if you like to eat. With this card, you'll earn 4x points at restaurants (including takeout and delivery in the U.S.), as well as 4x points at U.S. supermarkets (up to$25,000 per calendar year, then 1X). On top of that, you can earn monthly statement credits from select restaurants and food delivery services.
In terms of travel, you'll get 3x points on flights (as long as you book through an airline or the American Express? travel portal). If you're a regular Uber user, you can also rack up monthly credits for Uber's rideshare or food delivery services. And when it's time to redeem your points, you can either book travel through the AmEx portal or by transferring to the company's travel partners.
At$250, the Gold Card's annual fee is higher than most other cards on this list. However, there are simple ways to offset the cost (see Rates & Fees). Between the dining bonuses, the travel perks, and the 60,000-point welcome bonus (after you spend$4,000 in the first 6 months of card membership), the Gold Card is certainly worth considering.
Pros:
Earn extra points on dining, groceries, and flights
Opportunities to earn monthly Uber and dining credits
Choose card color (gold or rose gold)
Cons:
High annual fee
Some international merchants won't accept American Express
Supermarket bonus earning only valid for U.S. grocery stores
card highlights intro bonus25,000 online bonus points after you make at least$1,000 in purchases in the first 90 days of account opening - that can be a$250 statement credit toward travel purchases.APR18.24% - 28.24% Variable APR on purchases and balance transfersrecommended creditExcellent/Goodreward rates There's a lot to love about the Bank of America Travel Rewards credit card. For starters, you'll accrue 1.5 points for every dollar that you spend (with no limits on how many points you can earn). Even better? If you're in the Bank of America Preferred Rewards program, you'll earn 25-75% more on each purchase.
When you're ready to trade in your points, there's no need to book through a special portal or transfer your points to a loyalty program. Instead, you can exchange your points for a statement credit to cover the travel or dining expenses you've charged to your card.
For most cardmembers, the most compelling perk of this credit card is the$0 annual fee. In general, we don't think that an annual fee should be a deterrent if there's a credit card that's a great match for your spending habits. However, we recognize that some people would prefer a card without a fee. If that's you, consider the Bank of America Travel Rewards card.
Pros:
No annual fee
Easy and flexible point redemption
The generous sign-up bonus for a card with no annual fee
Cons:
Best suited for Bank of America customers
Lower rewards rates than other cards
It might offer less value than a card with an annual fee
card highlights intro bonusN/AAPR30.49% (Variable)recommended creditAverage, Fair, Limitedreward rates It can be tricky to find a credit card that offers both cashback and no foreign transaction fee, but the Capital One Quicksilver Cash Rewards does just that. It's a great option if you'd rather get cashback for your purchases instead of collecting points for travel.
With this card, you'll get 1.5% cashback on every transaction, both at home and overseas. Plus, there's no maximum on how much you can earn. On top of that, you'll get an extra$200 one-time statement credit if you spend at least$500 within three months of opening your card.
Unlike many other rewards credit cards, the Capital One Quicksilver Cash Rewards has a$0 annual fee. We think it's worth checking out if points and travel rewards aren't your thing, but you still want a card that won't charge you a fee for international transactions.
Pros:
$0 annual fee
Unlimited cashback on all purchases
Generous introductory APR for purchases and balance transfers
Cons:
Flat earning and redemption rates
Can't transfer points to travel partners
Not the best for earning higher-tier status with airline or hotel loyalty programs
card highlights intro bonusEarn 60,000 bonus points after you spend$4,000 on purchases in the first 3 months from account opening. That's$900 toward travel when you redeem through Chase Ultimate Rewards?APR22.24% - 29.24% Variablerecommended creditExcellent Creditreward rates As the premium version of the Chase Sapphire Preferred, the Chase Sapphire Reserve is the ultimate credit card for travelers. Some highlights of this card include massive rewards rates for travel bookings, an annual travel credit, and airport lounge access.
As a card member, you'll receive up to$300 in statement credit each year for travel purchases. Once you exceed$300 in travel expenses in a year, you'll graduate to higher rewards rate tiers, earning 5x points on flights and 10x points on hotels and car rentals (as long as you purchase through Chase Ultimate Rewards). Plus, you'll get 10x points on Chase Dining and 3x points on other restaurants and delivery services.
With all of these incredible perks, it's not surprising that the annual fee for the Chase Sapphire Reserve is a hefty$550. But if you're a frequent traveler, it's easy to get your money's worth from this card -- and that's not even including the 60,000-point welcome offer.
Pros:
Annual$300 travel credit
Exceptional rewards rates
Priority Pass membership for airport lounge access
Cons:
High annual fee
Not worth the cost unless you're a frequent traveler
Only for applicants with excellent credit
card highlights intro bonusEarn 100k bonus points after you spend$15,000 on purchases in the first 3 months from account opening. That's$1,000 cash back or$1,250 toward travel when redeemed through Chase Ultimate Rewards?APR20.99% - 25.99% Variablerecommended creditGood, Excellentreward rates 
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