Best No Foreign Transaction Fee Credit Cards

We love the Delta SkyMiles® Blue American Express Card for more than its no-annual-fee feature. This card lets you earn 2X miles on restaurants worldwide and Delta purchases. All other purchases come with 1X miles.

An welcome offer gives you the ability to earn 10,000 bonus miles. All you need to do is spend at least $1000 on purchases within the first six months.

This card comes with no international transaction fees, which makes it perfect for use when traveling overseas. Other travel benefits include earning 20% as a statement credit when you use your card on eligible Delta in-flight purchases and complimentary car rental loss and damage insurance.

Cardholders also stand to benefit through purchase and fraud protection in different scenarios.

Pros

• No annual fees
• Earn 10,000 bonus miles if you spend $1000 on purchases in the first six months
• Earn 2X miles on Delta purchases and restaurants worldwide
• Earn 1X miles on all other purchases
• Redeem points for air travel, seat upgrades and Delta gift cards
• No blackout dates when redeeming points for Delta flights
• 20% back on eligible in-flight Delta purchases
• Pay no foreign transaction fees
• Car rental loss and damage insurance
• Purchase protection and extended warranty to safeguard your purchases
• Access to American Express Experiences
• Get emergency assistance through the Global Assist Hotline
• Fraud protection safeguards you from misuse of your card

• $0 annual fee
• 2X miles on Delta purchases
• 2X miles on dining at restaurants worldwide and on takeout and deliveries in the U.S.
• 1X miles on all other purchases
• Earn 10,000 bonus miles upon spending $1000 on purchases in the first six months
• Redeem your SkyMiles for air travel to more than 1,000 destinations
• Redeem for seat upgrades and Delta gift cards
• Reduce the cost of your flight by up to $50 for every 5,000 miles you redeem through the Pay with Miles program
• No foreign transaction fees
• Get complimentary car rental loss and damage insurance
• Get purchase protection and an extended warranty
• Use the 24/7 Global Assist Hotline for emergency assistance and coordination services
• Fraud protection protects you from fraudulent transactions
• American Express Experiences gives you access to ticket presales and Card Member-only events.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

The Capital One Venture Rewards Credit Card offers incredible value and convenience for regular travelers and general consumers alike. A key strength is its high earning rate on travel-related expenses, rewarding you with generous miles for hotel and rental car bookings through Capital One Travel. Furthermore, it provides broad earning potential with 2X miles on all other spending. Its sizable welcome offer further elevates its appeal. Flexibile mile redemption options, coupled with travel perks such as an application credit for Global Entry or TSA PreCheck, and no foreign transaction fees, make it an excellent companion for your travel and daily spending needs.

Pros

• Unlimited miles on select travel and everyday expenses
• Generous welcome offer
• Flexible redemption options
• No foreign transaction fees
• Global Entry/TSA PreCheck application credit

• Earn 5X miles on hotels and rental cars booked through Capital One Travel
• Earn 2X miles on all other spending
• Earn 75,000 bonus miles (equal to $750 in travel) after spending $4,000 in the first three months
• Annual fee of $95
• Up to $100 application credit for Global Entry or TSA PreCheck
• Regular APR 21.24% – 29.24% variable
• No limits on earning miles
• Flexible redemption: no blackout dates or expiration dates, no minimums for redemption, transfer miles to 15+ travel loyalty programs, redeem hotel or airline purchases for a statement credit
• No foreign transaction fees
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more

The Hilton Honors American Express Surpass® Card is a fantastic option for people who stay at Hilton properties frequently. This card offers 12X points on purchases at properties in the Hilton portfolio, 6X points on dining at U.S. restaurants, supermarkets, and gas stations, and 3X points on all other eligible purchases.

New cardholders can earn a welcome bonus of 130,000 Hilton Honors points after spending $2,000 in the first three months of card membership.

With this card, you’ll receive complimentary Hilton Honors Gold status and stand to earn Hilton Honors Diamond status by spending $40,000 on purchases in a calendar year.

While the card does charge an annual fee, $0 intro annual fee for the first year, then $95 after that, it comes with no foreign transaction fees, making it perfect to use outside the U.S.

Other key benefits include an annual spend-based weekend night reward, complimentary airport lounge visits, and car rental loss and damage insurance.

Pros

• Opportunities for significant bonus points
• Get Hilton Honors Gold status automatically
• High reward rates across different categories
• Spend-based weekend reward night
• Pay no foreign transaction fees
• Access to American Express Experiences
• Additional cards

• Spend $2,000 on purchases in the first three months to earn 130,000 bonus points.
• Spend at properties within the Hilton portfolio to earn 12X points per dollar.
• Spend at U.S. gas stations, U.S. supermarkets and U.S. restaurants to earn 6X points per dollar.
• Earn 3X points per dollar on all other purchases.
• Redeem your reward points for free nights, VIP access to events, Lyft rides, shopping at Amazon.com and Hilton Honors' online mall or car rentals.
• Can convert your points to miles with the program’s airline partners or share them with other Hilton Honors members.
• Qualify for a free Hilton Honors weekend night reward from if you spend $15,000 on eligible purchases in a calendar year.
• Get 10 complimentary airport lounge visits every 12 months by enrolling in the Priority Pass Select program.
• Get automatic Hilton Honors Gold status with your new card. If you spend $40,000 on eligible purchases in a calendar year, you stand to get Hilton Honors Diamond status, which remains valid for a year.
• Fraud protection offers safeguard against possible misuse of your card.
• Get access to American Express features such as Send & Split and Pay It Plan It.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We recommend the Costco Anywhere Visa® Card by Citi to Costco members who want to earn higher than usual cash back across specific categories. You earn 4% cash back on the first $7,000 you spend toward eligible gas purchases (including gas at Costco), 3% cash back on restaurants and eligible travel purchases, and 2% cash back on all other purchases from Costco and Costco.com.

You pay no annual fee to use this card. It’s ideal for use outside of the U.S. too, as it comes with no foreign transaction fee. Damage and theft protection work as a safeguard for purchases made using this card. Cardholders also get access to Citi Entertainment.

Pros

• Generous reward program for gas purchases, travel and restaurant expenses
• No foreign transaction fees
• No annual fee for Costco members
• Purchase protection for all purchases made using this card

• Earn 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
• Earn 3% cash back on restaurants and eligible travel purchases
• Earn 2% cash back on Costco and Costco.com purchases
• Get purchase protection on all your purchases
• Get cash back as an annual credit card reward certificate redeemable for cash or merchandise at any U.S. Costco warehouse

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We recommend the Delta SkyMiles Platinum American Express Card to people who fly with Delta frequently. While this card comes with a $250 annual fee, it offers a number of Delta- and SkyMiles-specific benefits.

A welcome offer gives you the ability to earn 50,000 bonus miles by spending $3,000 on purchases in the first six months. All purchases made directly with Delta earn 3X miles, as do hotel bookings made directly with hotels. A couple of categories come with 2X miles and all others with 1X miles.

Cardholders may check their first bags on Delta flights for free, and they receive one domestic main cabin round-trip companion certificate every year. You also get a fee credit for Global Entry/TSA PreCheck. Using this card outside of the U.S. makes sense as it comes with no foreign transaction fees.

Cardholders stand to benefit through different travel insurance coverage and purchase protection.

Pros

• Generous welcome offer
• Up to 3X miles per $1 on category-based spending (Delta purchases come with 3X miles)
• Free first checked bag on Delta flights
• Get to the next Medallion membership status faster
• Exclusive rate for Delta Sky Club access
• 20% back as a statement credit on eligible Delta in-flight purchases
• Statement credit toward Global Entry/TSA PreCheck
• No foreign transaction fees
• Complimentary travel insurance and purchase protection

• Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
• Earn 3X miles on purchases made directly with Delta and on hotel bookings made directly with hotels.
• Earn 2X miles on dining at restaurants, including takeout and delivery, as well as on groceries at U.S. supermarkets.
• All other purchases come with 1X miles.
• Redeem your miles for flight rewards and seat upgrades on Delta flights
• Redeem your miles for flights with partner airlines such as KLM, Virgin Atlantic, Air France, Aeromexico and Hawaiian Airlines when booked through Delta.
• Use your miles to get Delta Sky Club membership, buy Delta gift cards or pay for Delta vacations.
• Transfer your miles to friends or family, donate them to charity or use them to pay for magazine subscriptions.
• Check your first bag for free on Delta flights.
• Get a complimentary domestic main cabin round-trip companion certificate for use on Delta flights each year.
• Earn up to $100 as a statement credit toward Global Entry/TSA PreCheck fees once every four/four and a half years.
• Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family when traveling on a Delta flight from now until 12/31/23. Effective 1/1/24, this benefit will no longer be available.
• Earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Delta Platinum Card, up to two times through 12/31/23. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
• Earn 20% back as a statement credit on eligible Delta in-flight purchases, including food, drinks and headsets.
• International transactions come with no foreign transaction fees.
• Stand to benefit through car rental loss and damage insurance, baggage insurance, trip delay insurance, purchase protection and extended warranty.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

This card has no annual fee, provides cell phone protection and offers a solid cash back rate: 1% back on all purchases. Students also receive one year free of Amazon Prime Student after spending $500 in the first three billing cycles — a spending requirement many students will likely find easy to meet if they open this account at the start of a new semester.

Finally, this card doesn’t charge any foreign transaction fees, making it ideal for anyone looking to study abroad.

Pros

• Earn 1% cash back on all your purchases
• There is no annual fee or foreign transaction fee
• You will have complimentary Amazon Prime Student for a year
• Complimentary cell phone protection when you use your card to pay your cell phone bill
• Do not need a Social Security Number (SSN) to apply
• Access to Mastercard Platinum benefits

• Students earn 1% cash back on all purchases.
• There’s no annual fee, nor are there foreign transaction fees.
• Cardholders receive Amazon Prime Student for one year.
• Cell phone protection (up to $600) is included when you pay your phone bill with your card.
• Mastercard Platinum benefits, such as rental car insurance, are included.
• Easy-to-use app helps you manage your account and pause access to your card if you misplace it — all on the go.

Disclaimer: Card offers are always changing, and in some cases, the offer listed on our site may no longer be available.

This card offers 1% cash back on all your purchases, which may make paying top dollar for those textbooks slightly easier on the wallet. Paying your bill on time boosts that cash back to a total of 1.25% for the month.

This card has zero foreign transaction fees, which is an excellent feature for international students or those who anticipate studying abroad.

Pros

• Earn 1% cash back on all your purchases, with a jump to 1.25% cash back when you pay your bills on time.
• There is no annual fee or foreign transaction fee.
• After six months, Capital One will reexamine your credit profile to see if you are eligible for a higher credit line. This can give students more purchasing power and flexibility without opening another card.

• Cardholders receive 1% cash back on all purchases.
• Pay your bill on time and receive a 0.25% cash back bonus on top of that.
• $0 fraud liability policy provides peace of mind.
• There are no foreign transaction fees, which is great for travelers.
• You have unlimited access to CreditWise from Capital One so you can check in on your credit profile at any time.
• There’s no cosigner required, although one may be helpful.
• When making purchases online, you can generate virtual card numbers so that your actual card number is kept private.

Disclaimer: We work hard to stay updated with the latest information, but card offers are always changing, and in some cases, the offer listed on our site may no longer be available.

The Capital One Spark Cash Plus Credit Card is a compelling option for business owners due to its robust reward structure. Notably, it provides an above-average cash back rate, bolstered by additional rewards on travel purchases, creating the potential for substantial savings. A generous welcome bonus adds to the allure, although it comes with a high spending requirement. The card's annual fee is waived for high spenders, and it offers a suite of business tools designed to streamline expense management.

Pros

• High flat-rate cash back on all spending
• Bonus cash back on select travel purchases
• Generous one-time cash bonus
• Comprehensive suite of business tools
• No foreign transaction fees

• Earn 2% cash back on all spending
• Earn 5% cash back on hotels and rental cars booked through Capital One Travel
• Earn a one-time cash bonus of $1,200 after spending $30,000 in the first three months
• Annual fee of $150 (refunded if you spend at least $150,000 in a year)
• No APR (charge card)
• Business tools: free employee cards, quarterly and year-end summaries
• No foreign transaction fees
• Roadside assistance*
• Extended warranties on eligible purchases*
• Purchase assurance up to 90 days*
• Lost or damaged luggage reimbursement*

Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.

The Capital One Spark Miles for Business is a highly rewarding card ideal for businesses with a diverse range of expenses, particularly those with frequent travel needs. It offers a substantial welcome bonus and a generous rate of return on spending, transforming business expenses into valuable travel rewards. The card shines with its unparalleled flexibility in redeeming rewards, accommodating multiple travel loyalty programs and providing unrestricted freedom in redemption. Useful business tools, like free employee cards and comprehensive financial summaries, make this card a strategic business asset, although it’s important to mind the above-average APR.

Pros

• Earn miles on every purchase
• Flexible redemption options
• Application credit for Global Entry/TSA PreCheck
• Useful business tools and free employee cards
• No foreign transaction fees

• Earn 5X miles on hotels and rental cars booked through Capital One Travel
• Earn 2X miles on all other spending
• Earn 50,000 bonus miles after spending $4,500 in the first three months
• Flexible redemption options: transfer to 15+ travel loyalty programs, no blackout date or expiration dates, no limit on earning miles, no minimums for redemption, redeem any airline or hotel purchase for a statement credit
• Annual fee of $95 ($0 in first year)
• Up to $100 credit for Global Entry/TSA PreCheck
• No foreign transaction fees
• Business tools: free employee cards, quarterly and year-end summaries and downloadable purchase records

This card is a great all-round business card, offering a decent flat rate for rewards, a sizable sign up bonus and the convenience of no additional fees for foreign transactions. If you're a small business owner looking for a no-annual-fee cash back card, this deserves a spot on your shortlist.

Pros

• Unlimited 1.5% cash back
• Bonus cash back on travel booked through Capital One Travel
• Generous sign up bonus
• No annual fee
• No foreign transaction fees
• Free employee cards

• Spend $4,500 in the first three months and earn a $500 intro bonus
• 1.5% cash back on all purchases
• 5% cash back on travel booked through Capital One Travel
• No annual fee
• No foreign transaction fees
• Free employee cards
• Tracking and monitoring of all cards
• Business reporting options, like year-end itemized summaries for taxes and purchase records in multiple formats

The Hilton Honors American Express Business Card is a powerful tool for businesses, particularly those with frequent travel or dining needs. Its standout benefits are the generous welcome offer and robust hotel perks, which include status upgrades and free nights. Its diverse earning categories make accumulating points easy and rewarding, and no foreign transaction fees make it a great companion for international travel. While the value of Hilton Honors points might be lower than some competitors, the card's high earning rates can offset this if they align with your typical business spending. Lastly, its annual fee is modest and can easily be justified considering the rich rewards and perks, delivering both practical value and a touch of luxury for your business.

Pros

• Attainable welcome offer
• Hotel perks, including status and free nights
• Variety of earning categories
• No foreign transaction fees

• Earn 12X Hilton Honors Bonus Points on direct Hilton hotel purchases
• Earn 2X to 8X points at restaurants using the Hilton Honors Dining Program
• Earn 6X points on select travel and business purchases
• Earn 3X points on Lyft rides
• Earn 3X points on all other spending
• Earn 130,000 points after spending $3,000 in the first three months
• Earn 10,000 points every 10 nights after you’ve stayed 30 nights in a calendar year, then 30,000 points every 10 nights after you’ve stayed 60 nights in a year
• Complimentary Hilton Honors Gold Status, including boosted base points and every fifth night free on reward stays
• Receive one free night each year after spending $15,000 and a second free night after spending $45,000 in a calendar year
• Receive 10 complimentary visits each year to Priority Pass Select lounges
• Earn points and discounts on car rentals with Alamo, Enterprise or National Rental Car
• Annual fee of $95 (See rates and fees)
• No foreign transaction fee (See rates and fees)
• Flexible points redemption: no blackout dates, points caps or point expiration (as long as your membership is active at least every 12 months)
• Free employee cards with individual limits
• Travel insurance and consumer protections: travel and emergency assistance, baggage insurance, car rental insurance, purchase protection and extended warranty (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company)
• Terms apply

We recommend the Costco Anywhere Visa® Business Card by Citi for small businesses that are Costco members and are looking for a no-annual-fee card. Category-based spending lets you earn up to 4% cash back. You may redeem the cash back you earn at Costco Warehouses across the U.S. This card also comes with a competitive APR for purchases.

Using this card when traveling outside of the U.S. makes sense as it does not charge any international transaction fees.

Purchases you make using this card receive cover through extended warranty as well as damage and theft purchase protection.

Cardholders may also use the Citi Entertainment and Citi Concierge services to good effect.

Pros

• Pay no annual fees
• Pay no foreign transaction fees
• Earn 4% cash back on all gas purchases globally for up to $7,000 in spending per year, and 1% thereafter
• Earn 3% cash back when spending at restaurants and on eligible travel purchases globally
• Earn 2% cash back on all non-gas related purchases at Costco and Costco.com
• Earn 1% cash back on all other purchases
• Redeem cash back for cash or merchandise at Costco Warehouses across the U.S. and Puerto Rico
• Competitive APR for purchases
• Fraud early warning to safeguard your account
• Extended warranty and damage and theft purchase protection to safeguard your purchases
• Access to presale tickets and special events via Citi Entertainment
• 24/7 access to Citi Concierge

• $0 annual fee
• Competitive APR for purchases
• 4% cash back on spending of up to $7,000 per year on all gas purchases globally, and 1% thereafter
• 3% cash back on spending at restaurants and on eligible travel purchases worldwide
• All purchases at Costco and Costco.com (other than gas) come with 2% cash back
• Spending across all other categories gets you 1% cash back
• Redeem earned cash back for merchandise or cash at any Costco warehouse in the U.S. and Puerto Rico
• No foreign transaction fees
• Complimentary extended warranty and damage and theft purchase protection
• Complimentary access to Citi Concierge and Citi Entertainment
• Fraud early warning in case of suspicious activity

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

If you're a frequent Delta flyer or business owner looking for premium travel perks, the Delta SkyMiles® Platinum Business American Express Card could be a game-changer for you. The card's sign-up bonus alone is a head-turner and can easily cover a round-trip flight. The annual fee is offset by value-added features like annual companion tickets and discounted lounge access. Plus, it's versatile in earning miles on both everyday and large business expenses.

Pros

• High rewards potential
• Generous sign-up bonus
• Offers savings on Delta flights
• With annual companion benefit

• Limited Time Offer: Earn 90,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/23.
• Delta SkyMiles® Platinum Business American Express Card Members save 15% 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. You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
• Requires $250 annual fee.
• Regular APR 20.99%–29.99% variable.
• Get three miles for every dollar you spend directly with Delta and hotels.
• Earn 1.5 miles for each dollar on individual purchases over $5,000, capping at 50,000 miles annually.
• Earn one mile for each dollar spent on all other qualifying purchases.
• Enjoy a 15% discount on Delta flights through the TakeOff 15 program. Note that this offer doesn't apply to flights operated by Delta's partners or to any additional taxes and fees.
• Each year, when you renew your card, you'll receive a round-trip companion certificate for domestic Main Cabin flights. You can bring along a friend or family member when you fly with Delta, but you'll need to cover government-imposed taxes and fees up to $80. Additional baggage charges and other restrictions may apply. Check the terms and conditions for more information.
• Delta Sky Club® Access - Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family while flying together on Delta. Effective 1/1/24, this benefit will no longer be available.
• With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.