Many or all of the offers on this site are from companies from which Insider receives compensation (for a full list see here). Advertising considerations may impact how and where products appear on this site (including, for example, the order in which they appear) but do not affect any editorial decisions, such as which products we write about and how we evaluate them. Personal Finance Insider researches a wide array of offers when making recommendations; however, we make no warranty that such information represents all available products or offers in the marketplace.
Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.
Foreign transaction fees are some of the most irritating charges associated with credit cards. They punish you, often to the tune of 3%, for spending your money outside the US. Whenever you travel abroad, you may be subject to foreign transaction fees. Luckily, plenty of the best credit cards don't charge pesky foreign transaction fees.
Below, you'll find some of our favorite rewards credit cards without foreign transaction fees, with an emphasis on travel rewards credit cards that offer bonus points and miles for airfare, hotels, and more.
Compare Credit Cards With No Foreign Transaction Fees
Best travel card with an annual fee under $100
Chase Sapphire Preferred® Card
4.4/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$95
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$95
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.
Details
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Annual Fee
$95
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Show more
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
21.49% - 28.49% Variable
Intro Annual Percentage Rate (APR)
N/A
Editor's Rating
4.4/5
4.4 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
High intro bonus offer starts you off with lots of points
Strong travel coverage
Cons
Doesn't offer a Global Entry/TSA PreCheck application fee credit
Highlights
More Information
Earn 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®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$550
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights 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 & 1x point per $1 spent on all other purchases.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$550
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights 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 & 1x point per $1 spent on all other purchases.
If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.
Details
Rewards
Earn 5x points on flights 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 & 1x point per $1 spent on all other purchases.
Annual Fee
$550
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Show more
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
22.49% - 29.49% Variable
Editor's Rating
4.4/5
4.4 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
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
Cons
Very high annual fee
Highlights
More Information
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.
Earn 5x total points on flights 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
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 PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
The Discover it® Cash Back is one of the best credit cards that offers 5% back on popular rotating categories up to a spending limit. Your rewards are matched by Discover after the first 12 months, and the card has no annual fee.
Details
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Annual Fee
$0
Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
17.24% - 28.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR for 15 months on purchases and balance transfers
Editor's Rating
3.8/5
3.8 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
From July 1 to September 30, 2023, you can earn 5% cash back at Gas Stations and Digital Wallets on up to $1,500 in purchases after enrollment, then 1%
Discover will match your cash back earned at the end of your first account year
No annual fee
Cons
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
Highlights
More Information
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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It's free, activate with the mobile app.
Every $1 you earn in cash back is $1 you can redeem.
Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Click through to Discover's website to see terms and conditions.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
See Rates and Fees
$695
Intro offer
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership
Rewards
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
See Rates and Fees
$695
Intro offer
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership
Rewards
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.
If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.
Details
Rewards
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.
Annual Fee
$695
See Rates and Fees
Show more
Intro offer
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
See Pay Over Time APR
Intro Annual Percentage Rate (APR)
N/A
Editor's Rating
4.4/5
4.4 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
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
Cons
Bonus categories leave something to be desired
One of the highest annual fees among premium travel cards
Highlights
More Information
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
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 and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $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®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$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 is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0 intro for the first year, then $95
Intro offer
60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open
60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open
Rewards
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0 intro for the first year, then $95
Intro offer
60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open
60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open
Rewards
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.
The United Explorer card is the best all-around credit card for United flyers, offering a generous range of benefits for a modest annual fee. Cardholders receive a free checked bag, priority boarding, and inflight discounts on United flights, plus two one-time United Club airport lounge passes each year.
Details
Rewards
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.
Annual Fee
$0 intro for the first year, then $95
Intro offer
60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open
60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
21.74% - 28.74% Variable
Editor's Rating
4.15/5
4.15 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Annual fee is waived the first year
Earns bonus miles on several purchase categories, including dining
Includes an application fee credit for Global Entry or TSA PreCheck
Gets you a free checked bag on United when you pay with the card
Cons
Not the most rewarding card for most non-United travel purchases
Highlights
More Information
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $95.
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
Free first checked bag - a savings of up to $140 per roundtrip. Terms Apply.
Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year for your anniversary
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0 intro for the first year, then $99
Intro offer
40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening
40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening
Rewards
Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on groceries at U.S supermarkets. Earn 2x Miles on Delta purchases made directly with Delta. Earn 1x Miles on all other purchases.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0 intro for the first year, then $99
Intro offer
40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening
40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening
Rewards
Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on groceries at U.S supermarkets. Earn 2x Miles on Delta purchases made directly with Delta. Earn 1x Miles on all other purchases.
If you want to earn Delta SkyMiles and can use day-of-travel benefits on the airline, you should consider the Delta SkyMiles® Gold American Express Card. It has a modest annual fee so it's worth it even if you only fly the airline occasionally.
Details
Rewards
Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on groceries at U.S supermarkets. Earn 2x Miles on Delta purchases made directly with Delta. Earn 1x Miles on all other purchases.
Annual Fee
$0 intro for the first year, then $99
Intro offer
40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening
40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.99% - 29.99% Variable
Editor's Rating
4.1/5
4.1 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
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
Cons
Doesn't go above and beyond in terms of benefits beyond Delta perks
Highlights
More Information
Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.
Enjoy a $0 introductory Annual Fee for the first year, then $99.
Enjoy your first checked bag free on Delta flights.
Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
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.
Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees.
With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$95
Intro offer
75,000 miles after spending $4,000 on purchases within three months from account opening
75,000 miles after spending $4,000 on purchases within three months from account opening
Rewards
Earn 5x miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 2x miles on every purchase.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$95
Intro offer
75,000 miles after spending $4,000 on purchases within three months from account opening
75,000 miles after spending $4,000 on purchases within three months from account opening
Rewards
Earn 5x miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 2x miles on every purchase.
If you want an easy, no-fuss travel rewards credit card, the Capital One Venture Rewards Credit Card is a great fit. For a moderate annual fee, it offers plenty of value, useful benefits, and a substantial welcome bonus.
Details
Rewards
Earn 5x miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 2x miles on every purchase.
Annual Fee
$95
Intro offer
75,000 miles after spending $4,000 on purchases within three months from account opening
75,000 miles after spending $4,000 on purchases within three months from account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.99% - 28.99% Variable
Intro Annual Percentage Rate (APR)
N/A
Editor's Rating
4.55/5
4.55 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
No bonus categories to keep track of
Includes up to a $100 statement credit for Global Entry or TSA PreCheck
Cons
Other credit cards offer higher rewards in certain categories of spending
Highlights
More Information
Enjoy 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 travel
Earn unlimited 2X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $100 credit for Global Entry or TSA PreCheck®
Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Use your miles to get reimbursed for any travel purchase - or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Why Trust Us: How We Chose 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 of 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.
Credit Card With No Foreign Transaction Fees Frequently Asked Questions
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 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 to pay with a credit card that doesn't charge foreign transaction fees just to be safe.
Should I pay in local currency or US dollars with my credit card when traveling?
Some merchants may offer the option to pay in local currency or your home currency when you use your credit card for a purchase. You should always pay in local currency because merchants can give a conversion rate much lower than the market exchange rate. Therefore, local currency rates will be closer to the actual market rate.
Plus, if you pay in US dollars, you'll typically be charged an additional fee (usually around 3%) from Dynamic Currency Conversion (DCC), which is an unaffiliated third-party service that converts transactions to your home currency.
Best Travel Card With an Annual Fee Under $100
Chase Sapphire Preferred® Card
One of the most popular and recommended travel rewards credit cards, the Chase Sapphire Preferred offers 5 Chase Ultimate Rewards® points per dollar spent on travel purchased through Chase Ultimate Rewards, 5x points on Lyft rides through March 2025, 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, rideshare services like Uber, subways, and more. Right now, the Chase Sapphire Preferred offers a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
The Sapphire Reserve is essentially a beefed-up version of the Preferred, with a higher annual fee and a few key differences.
You get a $300 travel 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 2025 and 1 point per dollar on everything else).
The Sapphire Reserve offers a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
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 1 to September 30, 2023, you can earn 5% cash back at Gas Stations and Digital Wallets 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 do not charge an annual fee.
Discover has released the third quarter (July through September) of its cash-back calendar for 2023:
The Platinum Card® from American Express is more or less the flagship premium travel card and one of the best metal credit cards, offering rewards, perks, and benefits that can net a ton of value for cardholders — whether you're traveling or staying close to home. You can more than offset the card's $695 annual fee if even a handful of card perks fit into your normal spending habits.
The Platinum Card® from American Express has no foreign transaction fees and earns 5 points per dollar on flights booked directly with the airline and through American Express Travel (on up to $500,000 on these purchases per calendar year), 5 points per dollar on prepaid hotels booked through Amex Travel, and 1 point per dollar on everything else.
There's also an excellent welcome offer: 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership.
You'll also get up to a $200 annual airline incidental fee credit**, up to $200 in Uber credits (including Uber Eats)** each year ($15 each month, plus a bonus of $20 in December), access to more than 1,200 airport lounges around the world, complimentary hotel elite status with Hilton and Marriott**, and up to $100 in Saks Fifth Avenue credits per year**.
The best airline credit cards from the three major US airlines — American Airlines, Delta, and United — all come with similar perks, including variations of priority boarding, free checked bags, the opportunity to earn miles on everyday purchases, and more. Plus, these cards have no foreign transaction fees. The best option for you depends on where you live and which airlines you have access to.
The United℠ Explorer Card offers 60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open for a $0 intro for the first year, then $95 annual fee.
The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® offers 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first three months of account opening for an annual fee of $99, waived for first 12 months.
The Delta SkyMiles® Gold American Express Card offers 40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening for an annual fee of $0 intro for the first year, then $99.
The Capital One Venture Rewards Credit Card is another great option without foreign transaction fees and with an annual fee under $100, especially because you can transfer Capital One miles to various airline and hotel programs with an improved 1:1 ratio for most partners.
The card earns 2 miles per dollar on most purchases (along with 5 miles per dollar on hotels and car rentals booked through the Capital One Travel Portal) — 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.
David is a Senior Transportation Reporter for Business Insider. He primarily covers airlines and air travel.A native New Yorker and avid photographer, David previously covered travel, credit-card rewards, and frequent-flyer programs. Before joining Business Insider, David was a freelance writer and editor — before that, he worked in public affairs.He earned his bachelor's degree from Muhlenberg College and his master's from the University of Edinburgh in Scotland, UK.You can follow him on Twitter or Instagram, or send him an e-mail at dslotnick@businessinsider.com.
Tessa Campbell is a Junior Investing Reporter for Personal Finance Insider. She reports on investing-related topics like cryptocurrency, the stock market, and retirement savings accounts. She originally joined the PFI team as a Personal Finance Reviews Fellow in 2022.Her love of books, research, crochet, and coffee enriches her day-to-day life.
Angela Fung is the marketing compliance manager at Personal Finance Insider, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice. She is the primary contact for credit cards compliance and has experience managing content and partnerships for the banking, loans, and investment verticals as well. The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.
Top Offers From Our Partners
Betterment Cash Reserve Account
New Customer Offer: Earn 5.50% (variable) APY* when you open your first cash account with qualifying deposit
*The annual percentage yield (APY) on the deposit balances in Betterment Cash Reserve (Cash Reserve) is 4.75% and represents the weighted average of the APY on deposit balances at the banks participating in Cash Reserve (the Program Banks) and is current as of August 1, 2023. This APY is variable and subject to change daily. Deposit balances are not allocated equally among the participating Program Banks. A minimum deposit of $10 is required, but there is no minimum balance required to be maintained. The APY available to a customer may be lower if that customer designates a bank or banks as ineligible to receive deposits. APY applies only to Cash Reserve and does not apply to checking accounts held through Betterment Checking. Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.
For rates and fees of the Delta SkyMiles® Gold American Express Card, please click here.
For rates and fees of The Platinum Card® from American Express, please click here.
For rates and fees of Discover it® Cash Back, please click here.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Newsletter
Get the inside scoop on today’s biggest stories in business, from Wall Street to Silicon Valley — delivered daily.
Thanks for signing up!
Access your favorite topics in a personalized feed while you're on the go.
Watch: Sneaky ways credit card companies get you to spend more money
