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The best credit cards with no foreign transaction fees of September 2021:
Using a credit card with foreign transaction fees when you travel abroad can be a costly mistake. Imagine coming home from a lovely trip to seeing a huge bill — all because of a 3% foreign transaction fee added on top of your actual purchases.
Luckily, virtually all of the top rewards credit cards no longer charge this fee. Below, you’ll find some of our favorite rewards credit cards without foreign transaction fees, with an emphasis on travel rewards cards that offer bonus points and miles for airfare, hotels, and more.
High sign-up bonus starts you off with lots of points
Strong travel coverage
Doesn’t offer a Global Entry/TSA PreCheck application fee credit
Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,250 when you redeem through Chase Ultimate Rewards®.
Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
With Pay Yourself Back(SM), your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
One of the most popular and recommended travel rewards credit cards, the Chase Sapphire Preferred offers 5x Chase Ultimate Rewards points per dollar spent on travel purchased through Chase Ultimate Rewards®, 2x points on all other travel purchases, including internationally, and 3x points on dining.
Dining includes things like restaurants, bars, pubs, coffee shops, and more, while travel includes airfare, hotels, Airbnb, taxis, ride-share services like Uber and Lyft, subways, and more. Right now, the Chase Sapphire Preferred also offers a record-high sign-up bonus of 100,000 points when you spend $4,000 in the first three months.
Annual travel credit can effectively shave $300 off the annual fee if you use it
Strong travel insurance
Strong bonus rewards on travel and dining
Very high annual fee
The new DoorDash statement credits may not be useful for everyone, which can make the recently increased annual fee harder to justify
Earn 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®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
With Pay Yourself Back(SM), your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass(TM) Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
You get a $300 statement credit each cardmember year to cover your first $300 of travel charges, and a higher earning rate of 5x total points on air travel and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards® (after earning the $300 travel credit) and 3x points on other travel and dining (plus 10x points on Lyft rides through March 2022 and 1 point per dollar on everything else).
The Sapphire Reserve earns a bonus of 60,000 points when you spend $4,000 in the first three months.
As with the Preferred, the Sapphire Reserve recently got a refresh, with improved or new bonus categories and benefits like access to the new Chase Sapphire Lounges (when open) at New York-LaGuardia (LGA), Boston (BOS), and Hong Kong (HKG).
11.99% – 22.99% Variable
0% intro APR for 14 months on purchases and balance transfers
Earns 5% cash back at restaurants and PayPal on up to $1,500 in purchases after enrollment from July to September 30, 2021, then 1%
Discover will match your cash back at the end of your first account year
No annual fee
Cap on how much bonus cash back you can earn each quarter
If the quarterly categories aren’t convenient for you, you can earn more cash back with a different card
Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
Plus, earn unlimited 1% cash back on all other purchases – automatically.
Redeem cash back in any amount, any time. Rewards never expire.
Use your rewards at Amazon.com checkout.
#1 Most Trusted Credit Card according to Investor’s Business Daily.
No annual fee.
Discover is accepted nationwide by 99% of the places that take credit cards.
The Discover it® Cash Back earn 5% cash back on up to $1,500 spent each quarter in bonus categories once activated (then 1%) (from July to September 30, 2021, you can earn 5% cash back at restaurants and PayPal on up to $1,500 in purchases after enrollment, then 1%). There’s no traditional welcome bonus; instead, Discover will match all the rewards you earn after the first year. Along with no foreign transaction fees, Discover cards never charge an annual fee.
100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership
Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
Annual statement credits with Saks and Uber
Bonus categories leave something to be desired
One of the highest annual fees among premium travel cards
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
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.
Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
$300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
$179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
The Platinum Card® from American Express has no foreign transaction fees and earns 5x points on flights booked directly with the airline and through Amex Travel (starting January 1, 2021, the 5x points will apply up to $500,000 on these purchases per calendar year), 5x points on prepaid hotels booked through Amex Travel, and 1x points on everything else.
There’s also an excellent welcome offer: 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership.
40,000 bonus miles after spending $1,000 in purchases on your card in the first 3 months. Plus, up to $50 back in statement credits for eligible purchases at US restaurants within the first 3 months of account opening
Earns bonus miles at restaurants and US supermarkets
Intro annual fee is $0 for the first year (then $99)
You get a free checked bag and Main Cabin 1 Priority Boarding on Delta flights
Doesn’t go above and beyond in terms of benefits beyond Delta perks
Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
Plus, earn up to $50 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of membership.
Enjoy your first checked bag free on Delta flights.
Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
Earn 1X Mile on all other eligible purchases.
$100 Delta Flight Credit: After you spend $10,000 in purchases on your card in a calendar year, receive a Credit to use toward future travel.
Enjoy a $0 introductory Annual Fee for the first year, then $99.
The best option for you depends on where you live and which airlines you have access to. The cards each come with different new member offers, and while there are a few other differences between them, they have annual fees of $95 to $99 that are waived the first year (See Rates).
17.24% to 24.49% variable
Good to Excellent
Earn 60,000 miles after spending $3,000 on purchases within 3 months from account opening
No bonus categories to keep track of
Includes up to a $100 statement credit for Global Entry or TSA PreCheck
Other credit cards offer higher rewards in certain categories of spending
The information related to the Capital One Venture Rewards Credit Card has been collected by Business Insider and has not been reviewed by the issuer.
Earn a bonus of 60,000 miles after spending $3,000 on purchases within 3 months from account opening (worth $600 in travel)
Earn unlimited 2X miles on every purchase
Miles won’t expire while your account is open and there’s no limit on the amount you can earn
Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
Redeem on travel-including flights, vacation rentals, car rentals and more. Plus transfer miles to over 15+ travel loyalty programs
The card earns 2 miles per dollar on everything — the simplest rewards structure among travel credit cards. You can also redeem Capital One miles at a fixed rate of 1 cent each toward travel purchases made with your card, without having to worry about award charts and blackout dates.
Frequently asked questions — no foreign transaction fee cards
How did we choose the best credit cards with no foreign transaction fees?
Virtually all of the best travel rewards credit cards waive foreign transaction fees by this point, so for this guide, we focused on narrowing it down to the best options in a variety of categories. We drew heavily from our editors’ expertise and the input of experts, as quoted in our guide to the best rewards credit cards, to come up with this list in the most popular categories of cards.
You’ll find a top pick for cash back, a top pick for travel rewards (in two different budget categories), our top airline credit card options, and more.
How do foreign transaction fees work?
When you’re using a credit card that charges a foreign transaction fee and you make a purchase abroad, you’ll be charged an extra fee, as a percentage of your purchase amount. The fee is generally 3% of your purchase, and it will be added to your monthly bill.
Your foreign transaction fee may be broken down into two parts: a fee charged by the payment network (as in Visa or Mastercard) and a fee charged by your credit card company.
Do foreign transaction fees apply online?
In addition to applying to purchases you make while traveling abroad, a foreign transaction fee could be charged when you make a purchase from a vendor that’s based outside of your home country.
If you’re shopping with a retailer or travel company based abroad, your best bet is paying with a credit card that doesn’t charge foreign transaction fees just to be safe.