Best Credit Cards With No Foreign Transaction Fees 2024

The Capital One VentureOne Rewards Credit Card is one of the most rewarding no-annual-fee travel credit cards around. You can stack up points quickly with its easy-to-earn sign-up bonus and solid rewards rate on every purchase. Plus, you can transfer points to Capital One’s travel partners (mostly at a 1:1 rate) to get an even better value.

It doesn’t have as many glitzy features as an annual fee travel card, like lounge access or a complimentary TSA PreCheck membership. Still, it’s a great choice for travelers who want an uncomplicated travel card with low fees.

The Wells Fargo Autograph^℠ Card is next on the list of most valuable no-annual-fee cards with no foreign transaction fee, thanks to its impressive array of bonus earning categories. You get 3x points on travel, restaurants, gas, transit, cellphones and streaming services, which outshines the category list of many other cards on our list.

However, the earning rate is low outside of the bonus categories. Plus, the card also lacks comprehensive travel coverage, so don’t expect trip delays or cancellation or lost luggage to be covered with this card.

The Capital One SavorOne Cash Rewards Credit Card card offers some of the best rewards you can get with a cash back card with no foreign transaction fees. That’s because it offers boosted rewards earnings on restaurants, groceries and entertainment, plus a high rewards earning rate on Uber and Uber Eats. These categories make it a great choice for travel, as well as foodies eating at home. It also has one of the best minimum-spend-to-value ratios for welcome bonuses when compared to other cards in this category.

However, it’s recommended for cardholders with Good / Excellent credit, so those with good or fair credit might want to look at other options. It also falls short in the travel insurance department compared with some competing cards.

From its simple earning rate to its large sign-up bonus, the Capital One Spark Miles Select for Business lets you earn travel rewards faster than any no-annual-fee travel card that we know of. Plus, its miles are flexible and valuable, since they can be redeemed for any travel purchase, or transferred to more than 15 travel partners.

You will need to spend more than usual to earn its sign-up bonus. And like other cards on our list, it’s lighter on travel perks than an annual fee travel card. Still it does offer a handful of useful benefits like free employee cards, car rental insurance and extended warranties.

The United Gateway℠ Card is the best airline card with no annual fee and no foreign transaction fees. It’s one of the few airline cards that doesn’t charge either of these types of fees, and it has one of the most generous sign-up bonuses of any airline card in that small group.

You should know that the benefits on this card are lacking compared with airline credit cards that charge annual fees (for example, you won’t get free checked bags or priority boarding). But it’s still a great choice for travelers looking for a basic airline card to earn United miles at a decent pace with minimal cost.

The Hilton Honors American Express Card stands out among no-annual-fee hotel cards because of its exceptional welcome offer and generous rewards on everyday spending categories. It also grants Hilton Silver elite status to cardholders with no spending requirement, opening the door instantly to a host of elite benefits (enrollment required).

Notably, though, Hilton points generally are not worth as much as many other currencies, and Hilton loyalists are the only ones likely to maximize the value in this card.

The IHG One Rewards Traveler Credit Card is a solid IHG credit card for brand loyalists looking for a hotel credit card that doesn’t charge annual or foreign transaction fees. The card offers one of the best welcome bonuses in this category — it also covers you for lost or delayed luggage, unlike many no-annual-fee cards.

The card grants automatic IHG Silver elite status. However, the perks at this level are minimal, and you’ll need to spend a sizable amount with the card to reach Gold elite status.

The Bilt World Elite Mastercard^® is a great choice for renters who want to earn rewards on paying rent each month, while also avoiding an annual fee and foreign transaction fees. It’s one of the only cards that allows you to pay rent without charging you a transaction fee. You’ll also earn valuable points in other categories, including dining and travel. Plus, you can transfer points at a 1:1 rate to more than 10 travel loyalty programs, including American Airlines and United.

You should know that you can use the Bilt World Elite Mastercard^® rent feature even if your apartment only accepts checks. In this case, you can pay with your card and Bilt will send your landlord a check.

The U.S. Bank Altitude^® Go Visa Signature^® Card is a solid choice for those who want to be well rewarded for dining out without paying annual or foreign transaction fees. In fact, this card offers some of the highest rewards for dining of any of the cards on our list.

However, you should know that the card has restrictions on its redemption options: As an example, you’ll need to have a U.S. Bank account in order to redeem your points for cash back. Further, you can’t transfer your points to any airline or hotel partners.

The Bank of America^® Travel Rewards credit card is a good basic travel credit card for Bank of America loyalists who want a simple, no-frills card without a lot of fees. With this card, you can request a PIN from Bank of America when you travel to countries that use chip-and-PIN infrastructure. The card also offers a solid sign-up bonus, as well as a rewards earning structure that doesn’t require you to keep track of complicated categories — unlike many other cards in the category.

Still, you should know that the simplicity comes with a downside: You likely won’t get rewarded as richly for your spending as you would with a card with bonus categories.

The Bank of America® Travel Rewards Credit Card for Students is one of the most rewarding cards for students seeking a travel rewards card with low fees. The card made our list of best student credit cards — it has no annual fee or foreign transaction fees, and it allows you to earn rewards for everyday spending.

You should know, however, that the card requires good / excellent credit, so you may want to check yours before you apply. Plus, watch out for the high interest after the intro offers end.