Best No Foreign Transaction Fee Credit Cards
Every time you swipe your credit card outside the United States — or make an online purchase in a foreign currency — most issuers tack on a foreign transaction fee of 2.7% to 3%. On a $5,000 vacation, that's up to $150 in hidden fees. Cards with no foreign transaction fees eliminate this charge entirely.
Why It Matters
Foreign transaction fees are among the easiest credit card costs to avoid. If you travel internationally even once a year — or regularly shop from overseas retailers — having a no-FTF card in your wallet is essential. The savings add up quickly, especially for frequent travelers.
What to Look For
- Visa or Mastercard network — accepted more widely abroad than American Express or Discover.
- Chip-and-PIN capability — some countries (especially in Europe) prefer PIN-based transactions over signature.
- Travel-oriented rewards — many no-FTF cards also earn bonus points on travel and dining, maximizing your spending abroad.
How Foreign Transaction Fees Work
The fee is typically charged by the card issuer (not the network) and appears as a separate line item or built into the exchange rate. Cards marketed as “no foreign transaction fee” waive this charge completely. The currency conversion still uses the network's exchange rate (Visa/Mastercard rates are typically within 0.1% of the interbank rate).
Tips for Using Cards Abroad
- Always pay in the local currency when given the option — dynamic currency conversion (DCC) by the merchant adds an extra 3-7% markup.
- Notify your issuer before traveling to avoid fraud holds on your account.
- Carry a backup card from a different network in case one isn't accepted.
Cards with No Foreign Transaction Fees
Cards that don't charge extra fees on purchases made outside the United States. Essential for international travelers.
Business Platinum
Amex · $895 AFBusiness
Public application flows may show as high as 300,000 Membership Rewards points after $20,000 in eligible purchases within the first 3 months. The top amount appears variable/dynamic; verify the exact terms before applying. A 200,000-point NLL offer remains the conservative baseline to compare against.
Business Gold
Amex · $375 AFBusiness
Public application flows may show as high as 200,000 Membership Rewards points after $15,000 in eligible purchases within the first 3 months. The top amount appears variable/dynamic; verify the exact terms before applying. A 100,000-point NLL offer remains the conservative baseline to compare against.
Capital One
Venture Business
Venture Business
Capital One · $95 AFBusiness
Earn up to 150,000 miles: 75,000 miles after spending $7,500 in the first 3 months, plus 75,000 additional miles after spending $30,000 total in the first 6 months.
Aeroplan
Chase · $95 AF
Earn 85,000 bonus Aeroplan points after $4,000 in purchases in the first 3 months.
Platinum
Amex · $895 AF
Earn up to 175,000 Membership Rewards points after you spend $12,000 on eligible purchases within the first 6 months.
IHG One Rewards Premier Business
Chase · $99 AFBusiness
Earn 200,000 total bonus points: 140,000 points after $4,000 in purchases in the first 3 months, plus 60,000 points after $9,000 total spend in 6 months. All-time highest offer.
Sapphire Reserve for Business
Chase · $795 AFBusiness
Earn 150,000 bonus points after $20,000 spend in 3 months.
Marriott Bonvoy Bevy
Amex · $250 AF
Earn up to 135,000 Marriott Bonvoy bonus points: 85,000 points after $5,000 in eligible purchases, plus 50,000 additional points after $7,000 total, within the first 6 months of Card Membership.
Marriott Bonvoy Business
Amex · $125 AFBusiness
Earn 150,000 Marriott Bonvoy bonus points plus a $125 statement credit after spending $8,000 on eligible purchases in the first 6 months of Card Membership.
Sapphire Reserve
Chase · $795 AF
Earn 150,000 bonus points after $6,000 spend in 3 months.
Atmos Rewards Summit
Bank of America · $395 AF
Earn 100,000 bonus Atmos Rewards points + 25,000-point Global Companion Award after spending $6,000 in the first 90 days.
Bilt Palladium
Wells Fargo · $495 AF
Earn 50,000 bonus points plus $300 in Bilt Cash after spending $4,000 on non-housing purchases in the first 3 months
Marriott Bonvoy Brilliant
Amex · $650 AF
Earn up to 150,000 Marriott Bonvoy bonus points: 100,000 points after $6,000 in eligible purchases, plus 50,000 additional points after $8,000 total, within the first 6 months of Card Membership.
Venture X Business
Capital One · $395 AFBusiness
Earn 150,000 bonus miles when you spend $30,000 in the first 3 months.
AAdvantage Business
Citi · $99 AFBusiness
Earn 75,000 AAdvantage miles after spending $5,000 in the first 5 months. $0 intro annual fee for the first year, then $99.
Atmos Rewards Ascent
Bank of America · $95 AF
Earn 85,000 bonus Atmos Rewards points + a $99 Companion Fare after spending $4,500 in the first 120 days.
Atmos Rewards Business
Bank of America · $95 AFBusiness
Earn 85,000 bonus Atmos Rewards points + $99 Companion Fare after spending $5,000 in the first 90 days.
Gold
Amex · $325 AF
Earn up to 100,000 Membership Rewards points after you spend $6,000 on eligible purchases within the first 6 months.
Delta Reserve Business
Amex · $650 AFBusiness
Earn 125,000 bonus miles after spending $15,000 on eligible purchases in the first 6 months.
Spark Cash Plus
Capital One · $150 AFBusiness
Earn a $2,000 cash bonus after spending $30,000 in the first 3 months.
Marriott Boundless
Chase · $95 AF
Earn up to 4 Free Night Awards + a $100 Airline Credit: 3 Free Night Awards after $3,000 in 3 months, plus 1 additional Free Night Award after $4,000 total in 4 months. Each award is worth up to 50,000 points.
JetBlue Premier
Barclays · $499 AF
Earn 100,000 bonus points after spending $5,000 on purchases and paying the annual fee in full, both within the first 90 days.
British Airways Visa Signature
Chase · $95 AF
Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.
United Business Card
Chase · $150 AFBusiness
Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP): 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open, plus 10,000 bonus miles after you add an employee card in the first 3 months.
Delta Gold Business
Amex · $150 AFBusiness
Earn 90,000 bonus miles after spending $6,000 on eligible purchases in the first 6 months.
Delta Platinum Business
Amex · $350 AFBusiness
Earn 100,000 bonus miles after spending $8,000 on eligible purchases in the first 6 months.
United Club Infinite
Chase · $695 AF
Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
AAdvantage Executive
Citi · $595 AF
Earn 100,000 AAdvantage miles after spending $10,000 in the first 3 months.
AAdvantage Globe
Citi · $350 AF
Earn 90,000 AAdvantage bonus miles after spending $5,000 within the first 4 months of account opening.
Business Travel Rewards
Bank of America · $0 AFBusiness
Earn a $500 statement credit after spending $5,000 in the first 90 days. Plus 0% intro APR on purchases for the first 7 billing cycles.
Hawaiian Airlines World Elite
Barclays · $99 AF
Earn 70,000 bonus HawaiianMiles after spending $2,000 on purchases in the first 90 days.
Venture X
Capital One · $395 AF
Earn 75,000 bonus miles after spending $4,000 in the first 3 months.
Sapphire Preferred
Chase · $95 AF
Earn 75,000 bonus points after $5,000 spend in 3 months.
United Quest
Chase · $350 AF
Earn up to 70,000 bonus miles + 500 Premier qualifying points (PQP): 60,000 bonus miles + 500 PQP after you spend $4,000 in the first 3 months your account is open, plus 10,000 bonus miles after you add an authorized user in the first 3 months.
IHG Premier
Chase · $99 AF
Earn up to 185,000 bonus points: 150,000 bonus points after spending $3,000 in the first 3 months from account opening, plus 35,000 bonus points after spending a total of $6,000 in the first 6 months from account opening.
Hilton Aspire
Amex · $550 AF
Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 7/29/26.
Delta Platinum
Amex · $350 AF
Apply and find out your welcome offer as high as 90,000 miles after you make $3,000 in eligible purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
Delta Gold
Amex · $150 AF
Apply and find out your welcome offer as high as 80,000 miles after you make $2,000 in eligible purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
Delta Reserve
Amex · $650 AF
Apply and find out your welcome offer as high as 100,000 miles after you make $5,000 in eligible purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
Strata Elite
Citi · $595 AF
Earn 75,000 bonus points after spending $6,000 in the first 3 months.
Strata Premier
Citi · $95 AF
Earn 60,000 bonus points after spending $4,000 in the first 3 months.
JetBlue Plus
Barclays · $99 AF
Limited-time offer: Earn 70,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days.
United Club Business
Chase · $695 AFBusiness
Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP): 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open, plus 10,000 bonus miles after you add an employee card in the first 3 months.
JetBlue Business
Barclays · $99 AFBusiness
Earn 60,000 bonus points after spending $2,000 on purchases and paying the annual fee in full, both within the first 90 days.
United Explorer
Chase · $150 AF
Earn up to 60,000 bonus miles: 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open, plus 10,000 bonus miles after you add an authorized user in the first 3 months.
World of Hyatt
Chase · $95 AF
Earn up to 60,000 Bonus Points: 30,000 after you spend $3,000 in the first 3 months, plus up to 30,000 more by earning 2x on purchases (normally 1x) in the first 6 months.
Hilton Honors
Amex · $0 AF
Earn a $100 statement credit + 100,000 Hilton Honors Bonus Points after you spend $2,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 7/29/26.
World of Hyatt Business
Chase · $199 AFBusiness
Earn 60,000 bonus points after you spend $5,000 on purchases within the first 3 months of account opening.
Marriott Bonvoy Bountiful
Chase · $250 AF
Earn 85,000 bonus points after you spend $4,000 in the first 3 months from account opening.
AAdvantage Platinum Select
Citi · $99 AF
Earn 50,000 American Airlines AAdvantage bonus miles after $2,500 in purchases within the first 3 months of account opening. $0 intro annual fee for the first year, then $99.
Ink Business Preferred
Chase · $95 AFBusiness
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.
Southwest Premier
Chase · $149 AF
Earn 55,000 bonus points after you spend $1,500 in the first 3 months from account opening.
SKYPASS Select Visa Signature
U.S. Bank · $450 AF
Earn 60,000 SKYPASS miles after spending $5,000 in the first 90 days.
Southwest Plus
Chase · $99 AF
Earn 50,000 bonus points after you spend $1,000 in the first 3 months from account opening.
Southwest Priority
Chase · $229 AF
Earn 60,000 bonus points after you spend $2,000 in the first 3 months from account opening.
Spark Cash
Capital One · $95 AFBusiness
Earn a $1,000 cash bonus after spending $10,000 in the first 3 months.
Green
Amex · $150 AF
Earn 40,000 Membership Rewards points after you spend $3,000 on eligible purchases within the first 6 months.
Disney Inspire Visa
Chase · $149 AF
Earn a $300 Disney Gift Card eGift upon approval, plus a $300 statement credit after you spend $1,000 in the first 3 months.
Ink Business Premier
Chase · $195 AFBusiness
Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
Hilton Surpass
Amex · $150 AF
Enjoy a $0 intro annual fee for the first year, then $150, and earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 7/29/26.
Hilton Business
Amex · $195 AFBusiness
Enjoy a $0 intro annual fee for the first year, then $195, and earn 130,000 Hilton Honors Bonus Points after you spend $8,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 7/29/26.
Spark Cash Select
Capital One · $0 AFBusiness
Earn a $750 cash bonus after spending $6,000 in the first 3 months.
Frontier Airlines World
Barclays · $99 AF
Earn 50,000 bonus Travel Miles after spending $1,000 on purchases within the first 90 days. $0 intro annual fee for the first year.
Premium Rewards Elite
Bank of America · $550 AF
Earn 75,000 bonus points ($750 value) after spending $5,000 in the first 90 days.
Wyndham Earner
Barclays · $0 AF
Earn 30,000 bonus points + $50 statement credit after spending $1,000 in the first 90 days.
Autograph Journey
Wells Fargo · $95 AF
Earn 60,000 bonus points after spending $4,000 in purchases in the first 3 months
Discover it Miles
Discover · $0 AF
Miles Match: Discover automatically matches all the miles you earn at the end of your first year.
Spark Miles Select
Capital One · $0 AFBusiness
Earn 50,000 miles after spending $4,500 in the first 3 months.
Hawaiian Airlines World Elite Business
Barclays · $99 AFBusiness
Earn 50,000 bonus Atmos Rewards points after spending $4,000 on purchases and paying the annual fee in full, both within the first 90 days.
IHG Traveler
Chase · $0 AF
Earn up to 125,000 bonus points: 90,000 bonus points after spending $2,000 in the first 3 months from account opening, plus 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening.
Venture
Capital One · $95 AF
Earn 75,000 bonus miles after spending $4,000 in the first 3 months.
Spark Miles
Capital One · $95 AFBusiness
Earn 50,000 miles after spending $4,500 in the first 3 months, plus a $0 intro annual fee for the first year.
Wyndham Earner Plus
Barclays · $75 AF
Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days.
Premium Rewards
Bank of America · $95 AF
Earn 60,000 bonus points ($600 value) after spending $4,000 in the first 90 days.
United Gateway
Chase · $0 AF
Earn up to 40,000 bonus miles: 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open, plus 10,000 bonus miles after you add an authorized user in the first 3 months.
Wyndham Earner Business
Barclays · $95 AFBusiness
Earn 45,000 bonus points after spending $3,000 in the first 90 days and paying the annual fee in full.
Discover it Student Chrome
Discover · $0 AF
Cashback Match for students: Discover matches all cash back earned in your first year. Plus $20 statement credit for good grades each school year (up to 5 years).
Discover it Cash Back
Discover · $0 AF
Cashback Match: Discover automatically matches all the cash back you earn at the end of your first year.
NHL Discover it
Discover · $0 AF
Cashback Match: Discover automatically matches all the cash back you earn at the end of your first year. Choose your favorite NHL team design.
SKYPASS Visa Signature Business
U.S. Bank · $99 AFBusiness
Earn 50,000 SKYPASS miles after spending $5,000 in the first 90 days.
U.S. Bank
Amazon Prime Business Mastercard
Amazon Prime Business Mastercard
U.S. Bank · $0 AFBusiness
Dynamic Amazon Business welcome offer. Public/login surfaces commonly show a $200–$250 Amazon Gift Card upon approval, with targeted Business Prime reports up to $750 after $6,000 spend.
Discover it Chrome
Discover · $0 AF
Cashback Match: Discover automatically matches all the cash back you earn at the end of your first year.
Discover it Student Cash Back
Discover · $0 AF
Cashback Match for students: Discover matches all cash back earned in your first year. Plus $20 statement credit for good grades each school year (up to 5 years).
VentureOne
Capital One · $0 AF
Earn 20,000 bonus miles after spending $500 in the first 3 months.
Bilt Obsidian
Wells Fargo · $95 AF
Earn $200 in Bilt Cash when you apply and are approved
Altitude Go
U.S. Bank · $0 AF
Earn 20,000 bonus points after spending $1,000 in the first 90 days.
Altitude Connect
U.S. Bank · $0 AF
Earn 20,000 bonus points after spending $1,000 in the first 90 days.
Travel Rewards
Bank of America · $0 AF
Earn 25,000 bonus points ($250 value) after spending $1,000 in the first 90 days.
JetBlue Card
Barclays · $0 AF
Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days.
Blue Business Plus
Amex · $0 AFBusiness
Earn 15,000 Membership Rewards points after you spend $3,000 on eligible purchases within the first 3 months of Card Membership.
Blue Business Cash
Amex · $0 AFBusiness
Earn $250 statement credit after you spend $3,000 on eligible purchases within the first 3 months of Card Membership.
Marriott Bonvoy Bold
Chase · $0 AF
Earn 30,000 bonus points after you spend $1,000 on eligible purchases in the first 3 months from account opening.
AAdvantage MileUp
Citi · $0 AF
Earn 15,000 AAdvantage miles after $500 in purchases in the first 3 months.
Savor
Capital One · $0 AF
Earn a $200 cash bonus after spending $500 in the first 3 months.
Quicksilver
Capital One · $0 AF
Earn a $200 cash bonus after spending $500 in the first 3 months.
Unlimited Cash Rewards
Bank of America · $0 AF
Earn a $200 bonus after spending $1,000 in the first 90 days.
Autograph
Wells Fargo · $0 AF
Earn 20,000 bonus points after spending $1,000 in purchases in the first 3 months
Amazon Prime Visa
Chase · $0 AF
Earn a $150 Amazon Gift Card instantly upon approval.
Bilt Blue
Wells Fargo · $0 AF
Earn $100 in Bilt Cash when you apply and are approved
Discover it Secured
Discover · $0 AF
Cashback Match: Discover matches all cash back earned in your first year. No credit score required — build credit with responsible use.
SavorOne
Capital One · $39 AF
No welcome bonus advertised. This card is designed for fair credit applicants.
QuicksilverOne
Capital One · $39 AF
No welcome bonus advertised.
Platinum
Capital One · $0 AF
No welcome bonus advertised.
Platinum Secured
Capital One · $0 AF
No welcome bonus advertised.
Robinhood Platinum
Other · $695 AF
No current sign-up bonus. Invite-only launch.
Costco Anywhere Visa
Citi · $0 AF
No sign-up bonus. Apply in-store at any Costco warehouse.