What Credit Cards Have No Foreign Transaction Fee?

Traveling abroad this summer? Foreign transaction fees could add up to a big chunk of change if you're not careful.

Woman packing for a trip and using online payment services
(Image credit: Getty Images)

This article only reviews select credit cards with no foreign transaction fee. We may get compensation if you visit partner links on our site. We may not cover every available offer. Our relationship with advertisers may impact how an offer is presented on our website. However, our selection of products is made independently of our relationship to advertisers. Bonus offers and rates checked as of June 6, 2024.

Attention, international travelers: check your rewards credit cards for foreign transaction fees before your next trip. You may be surprised that some popular travel credit cards charge this fee, a percentage of all your transactions made abroad. And if you live in the U.S. but order goods from abroad, you also may be paying a fee.

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  • Sign-up bonus: 75,000 bonus points if you spend $4,000 in the first three months. That's a $750 value when redeemed for travel or gift cards. And earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal, on ThankYou.com or by calling 1-800-Thankyou (TTY: 711) and saying “Travel”. Offer is valid through 11:59 PM ET 6/30/2024. 
  • Rewards: 
  • 10 total ThankYou Points for each $1 spent on hotel, car rental and attraction bookings on the Citi Travel℠ site via CitiTravel.com or 1-833-737-1288 (TTY:711); 
  • Three ThankYou Points for each $1 spent on air travel and other hotel purchases, at restaurants and supermarkets and at gas and EV charging stations; 
  • One ThankYou Point for each $1 spent on all other purchases.
  • Annual hotel discount: Once a year, get $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com.
  • Redemption: Points are worth a penny each if you redeem them for gift cards or travel bookings through the Citi ThankYou program; you can also transfer points to partner airline and hotel loyalty programs; there are no blackout dates and points do not expire.
  • Interest rate: 21.24% to 29.24% variable APR for purchases.
  • Annual fee: $95.
  • Foreign transaction fee: None.
  • This card won the best overall travel card award in our 2024 survey of Kiplinger readers.
  • Sign-up bonus: 75,000 miles if you spend $4,000 in the first three months.
  • Rewards: Earn 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel, five miles per dollar on flights booked through Capital One Travel, and two miles per dollar on all other purchases.
  • Other benefits: Perks include 10,000 bonus miles on your account anniversary each year, an annual credit of $300 for bookings made through Capital One Travel, free entry to more than 1,300 Priority Pass and Plaza Premium airport lounges, complimentary access for you and two guests to Capital One’s airport lounges, and President’s Circle status with Hertz.
  • Redemption: Redeem miles at a rate of a penny apiece for statement credits on travel purchases or travel bookings through Capital One, or transfer them to partner airline and hotel loyalty programs.
  • Interest rate: 19.99% - 29.99% variable APR for purchases.
  • Balance transfer fee: $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you.
  • Annual fee: At $395, the annual fee is lower than that of many luxury travel cards.
  • Foreign Transaction fee: None.
  • Intro offer: Earn 85,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first six months of Card Membership (worth about $1,020). For details on this card and related cards, read our article Earn Delta SkyMiles Worth up to $1,140.
  • Interest rate: 20.99% to 29.99% variable APR for purchases. See rates and fees.
  • Annual fee:  $350.
  • Foreign transaction fee: None.
  • Rewards rates: Earn three miles per dollar on Delta purchases and purchases made with hotels. Earn two miles per dollar on restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets. Earn one mile per dollar on all other qualified purchases.
  • Other rewards: Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Free baggage check: The first checked bag is free.
  • Priority boarding: Receive Zone 5 Priority Boarding on Delta flights.
  • Medallion program: If you want to improve your access to the lounges with this card, you can earn $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
  • Redemption:  Miles can be used for travel on Delta Air Lines, Delta Connection carriers (Endeavor Air, Inc., Republic Airline, and SkyWest) and 30+ partner airlines. 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.
  • Terms apply
  • See rates and fees.

BILT Mastercard®

The BILT Mastercard from Wells Fargo rewards you with one point per dollar on rent payments (up to 100,000 points each year), and you bypass the transaction fees that usually apply when you pay rent with a credit card. Read our dedicated article on the BILT credit card for the full skinny.


All information about the Delta SkyMiles® Platinum American Express Card has been collected independently by Kiplinger. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. As an independent publication dedicated to helping you make the most of your money, the article above is our view and is not the opinion of any entity mentioned such as a card issuer, hotel, airline, etc. Similarly, the content has not been reviewed or endorsed by any of those entities. 

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Erin Bendig
Personal Finance Writer

Erin pairs personal experience with research and is passionate about sharing personal finance advice with others. Previously, she was a freelancer focusing on the credit card side of finance, but has branched out since then to cover other aspects of personal finance. Erin is well-versed in traditional media with reporting, interviewing and research, as well as using graphic design and video and audio storytelling to share with her readers.

With contributions from