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Recommended credit scoreCompare to other cardsNot sure which card is best for you?Take a simple quiz to find out NerdWallet reviewBy Erin El Issa Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. Rating details5 Editor's overall ratingPros and consPros
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United fliers, rejoice — the United℠ Explorer Card is a fantastic card to rack up the miles on your airfare and redeem them for free flights. It offers 2 MileagePlus miles per dollar spent on purchases from United; 2 miles per dollar spent on restaurant purchases and hotel stays; and 1 mile per dollar spent on all other purchases. There's also a sign-up bonus: Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.. Miles can be used on any United flight, as well as flights on any of the other Star Alliance airlines. The United℠ Explorer Card boasts great United perks for cardholders, including a free checked bag for you and a traveling companion, priority boarding and two free United Club passes per year. The United℠ Explorer Card has an annual fee of $0 intro for the first year, then $95, and no foreign transaction fees. The free checked bags could save you up to $120 per round trip, making up for the card's annual fee. This card is best for regular United fliers who check bags; otherwise, you're probably better off with a general travel card. Want to learn more? Check out our full review of the United℠ Explorer Card for additional details. Compare the best no foreign transaction fee credit cards of 2022Earn 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®. One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening 720 - 850 660 - 850 $95 $0 Best travel card with no foreign transaction feeBest overall Chase Sapphire Preferred® CardSign Up Bonus 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®. APR 18.99% - 25.99% Variable Earns transferable points
The Chase Sapphire Preferred® Card is a winner because it comes with $0 foreign transaction fees and offers valuable rewards, loads of flexibility, and a full slate of travel coverage and perks. Its $95 annual fee makes it more affordable than many premium travel credit cards, and its rich rewards-earning structure with multiple bonus categories lets users rack up valuable Chase Ultimate Rewards® points with ease. Best cashback card with no foreign transaction feeCash back Capital One Quicksilver Cash Rewards Credit CardSign Up Bonus One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening APR 17.99% - 27.99% (Variable)
The Capital One Quicksilver Cash Rewards Credit Card is one of the best cashback credit cards with no foreign transaction fees. The card is perfect for travelers who prefer cash back to points or miles and still want to be able to use their favorite card on trips abroad. The value of the welcome bonus isn't the highest on the market, but the minimum spending required to earn it is also low — only $500, which puts it within reach of travelers on a budget. The card also stands out for its simple earnings structure with no bonus categories to track. You get an unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), and you can redeem your rewards in any amount any time. Best no foreign transaction fee credit card for luxury travelLuxury The Platinum Card® from American ExpressWelcome Offer Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Earns transferable points
The Platinum Card® from American Express is a fully-loaded card perfect for luxury travelers who want all the benefits that make travel more comfortable and convenient. In addition to no foreign transaction fees, this card has a generous welcome offer, a lucrative rewards rate and the best airport lounge benefit among all travel credit cards. While it comes with a very high annual fee, the card also offers annual credits worth up to $1,500 that can help cancel out that fee. For rates and fees of The Platinum Card® from American Express, please click here Best no foreign transaction fee credit card for diningDining American Express® Gold CardWelcome Offer 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. APR 19.74%-26.74% Variable Earns transferable points
The American Express® Gold Card is a great international card for foodies, home cooks and travelers who love to dine out frequently, as well as a top card with no foreign transaction fees. The card offers a top-tier rewards earnings structure for food, including U.S. supermarket purchases and restaurants worldwide. Cardholders also get up to $120 ($10 monthly) toward U.S. Uber rides and eats when they add the card to the Uber app, and up to $120 ($10 monthly) in credits toward select dining purchases (enrollment required). For rates and fees of American Express® Gold Card, please click here Best no foreign transaction fee credit card for simplicitySimple travel card Capital One Venture Rewards Credit CardSign Up Bonus 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 APR 18.99% - 26.99% (Variable)
The Capital One Venture Rewards Credit Card comes with no foreign transaction fees as well as a straightforward rewards-earning structure, a solid welcome bonus and an array of travel perks. For example, cardholders qualify for a fee credit toward Global Entry or TSA PreCheck membership as well as two free visits to Capital One airport lounges each year. When it comes to flexibility, cardholders can use their miles for travel through Capital One or point transfers with more than 15 airline and hotel transfer partners. Best no foreign transaction fee credit card with a 0% intro APR0% intro APR Capital One SavorOne Cash Rewards Credit CardSign Up Bonus Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening APR 17.99% - 27.99% (Variable)
On top of no foreign transaction fees, the Capital One SavorOne Cash Rewards Credit Card boasts a juicy rewards earnings structure focused on food and entertainment. It also features an APR of 0% intro on purchases for 15 months, followed by an APR of 17.99% - 27.99% (Variable) — this could make a great option for financing your next trip at 0%. Best business credit card with no foreign transaction feeBusiness Ink Business Preferred® Credit CardSign Up Bonus Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. APR 18.99% - 23.99% Variable Earns transferable points
The Chase Business Ink Business Preferred® Credit Card is a good choice for small business owners who travel internationally. The card earns Chase Ultimate Rewards®, which can be used for gift cards, merchandise, statement credits, travel through Chase, or even 1:1 transfers to the brand's airline and hotel partners. This business credit card also comes with decent travel and purchase coverage that can provide an extra layer of protection when you travel. Best credit card with no foreign transaction fee and no annual feeNo annual fee Bank of America® Travel Rewards credit cardSign Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening APR 16.99% - 26.99% Variable APR
The Bank of America® Travel Rewards credit card is one of the best credit cards with no foreign transaction fees and $0 annual fee. In addition to a generous welcome offer, cardholders earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire. An intro APR for purchases is another added bonus, and it can be used to help cardholders save money on interest while they pay down large purchases or other spending for well over a year. Best credit card for students with no foreign transaction feesStudents Bank of America® Travel Rewards Credit Card for StudentsSign Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases APR 16.99% - 26.99% Variable APR
The Bank of America® Travel Rewards Credit Card for Students is one of the best credit cards for students with no foreign transaction fee, due to its generous rewards rate and sign-up bonus with $0 annual fee. The card is very similar to the Bank of America® Travel Rewards credit card, but aimed toward students who have thin or no credit files and are building credit. An intro APR for purchases and eligible balance transfers makes this offer even more attractive for students who are trying to keep costs down while building credit history. Best no foreign transaction fee card for poor creditPoor credit Capital One Platinum Secured Credit Card
The Capital One Platinum Secured Credit Card is a good choice for cardholders who are building or rebuilding credit and want a card with no foreign transaction fees. This card lets you get started building credit with a minimum security deposit as low as $49, and there's $0 annual fee to boot. You can even see if you're pre-approved on the Capital One website with no impact to your credit score. What is a foreign transaction fee?A foreign transaction fee is a charge of 1% to 3% of the cost that some credit cards tack on to purchases made outside of the United States. Many credit cards charge a foreign transaction fee on any purchase that is either:
A foreign transaction fee usually is reflected on your statement as a single fee for each transaction. But it's actually split into two parts:
Some travel credit cards do not charge foreign transaction fees, meaning they don't charge you a fee and may even cover that 1% fee charged by the networks so you pay zero foreign transaction fees. If you're planning any international trips, it's a good idea to have a card that doesn't charge foreign transaction fees in your wallet. Currency conversion vs. foreign transaction feesWhat is currency conversion, and is it different from a foreign transaction fee? A currency conversion happens when a bank or merchant converts the total of your purchase from local currency to U.S. dollars. The cost to have your card company make the conversion is generally included as part of the foreign transaction fee (see above) charged by the card network. When you're traveling outside the United States, a merchant may ask if you want your purchase charged in U.S. dollars. This seems like a helpful offer, but you should generally say no. This process, known as dynamic currency conversion, usually comes with a bad exchange rate, which will probably cost you more than letting your credit card company make the conversion. Worse, if you say yes, you might still pay a foreign transaction fee if your card charges these fees. {"backgroundColor":"butter","content":"\u003C\/p\u003E\n\n\u003Ch3\u003ECurrency conversion vs. foreign transaction fees\u003C\/h3\u003E\n\n\u003Cp\u003EWhat is currency conversion, and is it different from a foreign transaction fee? A currency conversion happens when a bank or merchant converts the total of your purchase from local currency to U.S. dollars. The cost to have your card company make the conversion is generally included as part of the foreign transaction fee (see above) charged by the card network.\u003C\/p\u003E\n\n\u003Cp\u003EWhen you're traveling outside the United States, a merchant may ask if you want your purchase charged in U.S. dollars. This seems like a helpful offer, but you should generally say no. This process, known as \u003Cstrong\u003Edynamic currency conversion\u003C\/strong\u003E, usually comes with a bad exchange rate, which will probably cost you more than letting your credit card company make the conversion. Worse, if you say yes, you might still pay a foreign transaction fee if your card charges these fees.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"} How much are foreign transaction fees?Of all cards we surveyed, 3% is the most common foreign transaction fee charged. That means that when you make purchases with your card outside the United States using a card that charges a foreign transaction fee, you could add 3% to the cost of your trip. Let's say you spend 10 days in Europe and spend $5,000 on hotel stays, restaurants, tours and incidentals like bottled water and snacks during your trip. If your card charges a 3% foreign transaction fee on every purchase, that will add $150 to the cost of your trip. Here's a chart of typical foreign transaction fees on popular credit cards:
Show All Rows How to avoid foreign transaction feesWith a little planning ahead, it's easy to avoid foreign transaction fees by choosing the right credit card. Make sure to read the fine print to verify that the card does not charge foreign transaction fees. Try to shop around and apply for a no-foreign-transaction-fee card a few months before you travel. Then make sure to use only that card while you're out of the country. If you really want to avoid these pesky fees, it's a good idea to have a backup card of a different type just in case your card gets lost or stolen or isn't accepted at a certain merchant. For example, if your main card is a Visa it might also be a good idea to have a Mastercard that doesn't charge foreign transaction fees. Check to see which card networks are most commonly accepted where you're traveling. No foreign transaction fee credit cards (samples) American Express Bank of America Barclays Capital One Chase Citibank U.S. Bank *Unlike most credit cards, the The Platinum Card® from American Express, American Express® Gold Card and American Express® Green Card allow you to carry a balance for some purchases, but not all. How to choose the best no foreign transaction fee credit cardThe best credit cards for international travel all have one thing in common: no foreign transaction fees. But simply not charging foreign transaction fees is not reason enough to pick a card. There are enough credit cards that don't charge international fees that you can make your pick based on your financial goals, the types of travel you enjoy and the benefits you seek. Here are other factors to take into account when choosing the best no foreign transaction fee credit card for you: A rewards card can help you score points, miles or cash back for a free vacation. Consider these factors when choosing a rewards card:
The rewards structure will determine how much you can earn and how quickly you can rack up enough cash, points or miles to pay for your next trip. Many travel cards charge an annual fee, but you can find no-annual-fee cards that also don't charge foreign transaction fees. There's usually a tradeoff: Cards with no annual fee tend to have fewer benefits but may be ideal for infrequent travelers. Cards with annual fees tend to be loaded with more benefits, so frequent travelers may find they get much more value from the perks than what they pay to hold the card each year. It's important to think about where you plan to travel and which cards are accepted there. Depending on the part of the world, you could find that your Amex, Mastercard or Visa isn't accepted at most businesses. If you don't have a backup, this could force you to pull out a different card that charges a foreign transaction fee, costing you hundreds of dollars. So consider acceptance and get a backup no foreign transaction fee card if possible. The right card with travel insurance could save you hundreds or thousands of dollars by offering coverage for common travel debacles like trips canceled at the last minute because you got sick or bags that get lost or delayed, forcing you to go out and buy new clothes and toiletries for your trip. Getting a card that includes at least basic travel coverage may be worthwhile for all travelers. Does the card offer free checked bags, priority boarding and other travel benefits? This may make your trip a little more comfortable and save you a considerable amount of money on baggage fees. Think about which travel perks you'll use, and try to get a card that offers these benefits. As an alternative, you could buy your plane tickets on a card that offers these perks and then use a different foreign-transaction-fee-free card when you reach your destination. Depending on where you plan to travel, you may want to look for a card that uses chip-and-PIN technology. Some countries use chip-and-PIN infrastructure, meaning that you may be required to enter a PIN at the point of sale for some purchases, like you would with a debit card, rather than signing a receipt. (Some merchants may still ask you to sign a receipt instead.) The United States is using a chip and signature infrastructure, so check your travel destination to make sure your chosen U.S. card will work. So, now you're ready to choose an international credit card. Start by checking out our list of credit cards that don't charge foreign transaction fees. If you don't see one that suits you, check out some cards from other banks. For example, one U.S. bank credit card with no foreign transaction fees is the U.S. Bank Altitude® Go Visa Signature® Card. If you're more of a credit union person, you can also find credit union credit cards with no foreign transaction fee. For example, you may want to consider the PenFed Pathfinder Rewards American Express Card from PenFed Credit Union, which is known for stellar customer service. Do credit cards offer good exchange rates?Credit cards generally offer favorable exchange rates, as you can see in the chart below. It's much better to allow your credit card to convert your purchase to U.S. dollars rather than taking up an offer from a merchant who might offer a much worse exchange rate.
Tips for using a credit card for foreign travelWant to know how to use a credit card abroad without getting blindsided by sneaky international fees? Here are five tips for using credit cards abroad:
Follow these tips for using a credit card for foreign travel, and you should be able to avoid getting hit with surprise international fees after your next trip abroad. No foreign transaction fee credit card FAQsOur top pick for the best credit card for international transactions is the Chase Sapphire Preferred® Card. This card charges $0 foreign transaction fees, has a generous rewards-earning structure and offers a full slate of travel insurance coverage. It does charge an annual fee, but the welcome bonus and benefits more than make up for the cost. Most banks charge foreign transaction fees on at least some of their credit cards. Chase is a good example: the Chase Sapphire Preferred® Card charges $0 foreign transaction fees while the Chase Freedom cards do have international transaction fees. The Chase Freedom foreign transaction fee is 3%. However, there are some banks that have no foreign transaction fees on any credit cards, such as Capital One and Discover. American Express charges foreign transaction fee of up to 2.7% on some of its cards. Amex does offer cards with no foreign transaction fees, including the The Platinum Card® from American Express, American Express® Gold Card and American Express® Green Card. Capital One does not charge foreign transaction fees on any of its cards. If you want to make a purchase abroad without paying a foreign transaction fee and you have a Capital One card in your wallet, you're in luck. Yes, the Citi® Double Cash Card – 18 month BT offer does have foreign transaction fees. Citi® Double Cash Card – 18 month BT offer charges a foreign transaction fee on purchases made in a foreign currency. The fee is 3% of the purchase amount total after conversion to U.S. dollars. But there are other Citi cards with no foreign transaction fees. Discover does not charge any foreign transaction fees. That means no Discover it cards have foreign transaction fees, including the cash back and student cards. You may want to use this Discover international acceptance checker to check to see if the card is accepted at your destination. And if you use a Discover card as your primary card, you may want to carry a Visa or Mastercard credit card with no foreign transaction fees as a backup. Banks charge processing fees and other fees in order to make money from merchants and cardholders. Foreign transaction fees and other fees such as annual fees, late fees and over-limit fees allow the bank to make a profit. As a customer, it's smart to look at your own card use patterns and check the fees that a card issuer charges before you open and use a card. Foreign transaction fees are tax-deductible in some cases. Talk to your accountant or tax preparer, but generally, foreign transaction fees are tax-deductible when they're charged as part of a business expense. Some debit cards charge a foreign transaction fee. Check the fine print on your debit card agreement to see if yours charges a foreign transaction fee for purchases. Many banks also charge international ATM fees for cash withdrawals in a foreign country. MethodologyTo make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin, as well as cards on major issuer sites, to compile a list of the best no foreign transaction fee credit cards available right now. Our recommendations are based on the additional value you can earn with these cards. We primarily considered rewards value, the cost of ownership and the value of benefits like travel and purchase protections, lounge membership and airline companion passes. For rates and fees of The Platinum Card® from American Express, please click here For rates and fees of American Express® Gold Card, please click here For rates and fees of Delta SkyMiles® Reserve American Express Card, please click here For rates and fees of Delta SkyMiles® Platinum American Express Card, please click here For rates and fees of Marriott Bonvoy Brilliant™ American Express® Card, please click here The information related to Bank of America® Travel Rewards credit card, Bank of America® Travel Rewards Credit Card for Students, Bank of America® Premium Rewards® credit card, Alaska Airlines Visa Signature® credit card, Hawaiian Airlines® Business MasterCard®, AAdvantage® Aviator® Red World Elite Mastercard®, AAdvantage® Aviator™ Silver World Elite Mastercard®, JetBlue Card, Capital One Savor Cash Rewards Credit Card, British Airways Visa Signature® Card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Expedia® Rewards Voyager Card from Citi, PenFed Pathfinder Rewards American Express Card, CitiBusiness®/ AAdvantage® Platinum Select® Mastercard®, American Express® Green Card, Hilton Honors Aspire Card from American Express, Hilton Honors American Express Surpass® Card, Bank of America® Travel Rewards Credit Card for Students, Hawaiian Airlines® Business MasterCard®, Capital One Spark Cash Select - $500 Cash Bonus, Expedia® Rewards Voyager Card from Citi, CitiBusiness®/ AAdvantage® Platinum Select® Mastercard®, U.S. Bank Altitude Reserve, U.S. Bank Altitude® Go Visa Signature® Card and PenFed Pathfinder Rewards American Express Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information. Does Chase United credit card have foreign transaction fees?No foreign transaction fees
Purchases made outside the U.S. with the Explorer Card are not subject to foreign transaction fees. 4 It's a great opportunity to use your card when you travel or shop online and earn award miles.
Does United Club card have foreign transaction fees?As a United Club Business Cardmember, you pay no foreign transaction fees on card purchases outside the U.S. 5 This benefit of United Club Business Card membership is sure to make international travel even more enjoyable.
Can I use my United credit card internationally?After the first year, United Explorer Card features a $95 annual fee, which is more affordable than other Chase United credit cards. Cardholders can earn miles on their purchases and redeem rewards. The card also has no foreign transaction fee, allowing you to make purchases abroad without incurring additional costs.
Can I use my Chase credit card internationally?If you're asking yourself, “can I use a credit card abroad?" the answer is, most often, yes. You may also be able to use your credit card to withdraw cash at most ATMs overseas, which may come along with fees. Depending on your credit card issuer, you may need to notify them that you're traveling abroad.
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Chase united credit card international transaction fees
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