Best No Foreign Transaction Fee Credit Cards

No one likes to pay an annual fee, but when it comes to credit cards the features sometimes make it worth considering. It usually comes down to how you plan to use the card and whether super-luxury perks are important to you. Before you pay that fee, though, remember that there are some stellar no-annual-fee options out there with plenty of features, perks and rewards-earning opportunities.

Best No Foreign Transaction Fee Credit Cards List

Rooms To Go Credit Card

The Rooms to Go credit card is not actually a conventional credit card, but is instead an in-store charge card that offers customers an option to finance their purchases at Rooms To Go.

Capital One® VentureOne® Rewards Credit Card

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime

Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year

Chase Freedom Unlimited® Credit Card

  • Unlimited 1.5% cash back on every purchase – it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum

Capital One Credit Cards

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees

Capital One QuicksilverOne Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use

Journey Student Rewards Credit Card from Capital One

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

What Are Best No Foreign Transaction Fee Credit Cards?

Before you decide which credit card is the best one to avoid foreign transaction fees, you need to understand what foreign transaction fees are and how they relate to your credit card consumption. Expenses refer to two parts of fees, which are charged whenever you trade in foreign currency. The two parts are:

First, foreign currency exchange fees. This is usually 1% of what you buy, and when the card processor has to convert foreign currencies into your own currency (e.g. euros into dollars), it will be charged.

Second, transaction costs. This is usually 2% or more and includes the cost of trading in other currencies.

Generally speaking, the cost of foreign transaction costs is between 3% and 5%. So if you spend $100, you need to spend $3 to $5. It doesn't sound like a lot of money, but when you travel abroad for a week or two, these expenses increase rapidly. Think about every meal, every souvenir, every trip, every gift you buy on your trip. This means that the expense will be a huge extra cost, and you won't get anything.

What many people don't know is that even if you shop in your own country, you can be charged a foreign exchange transaction fee. For example, if you shop online at a foreign retailer, you will still be charged, and you may not even be aware of the charge until you browse the credit card bill and check the charge. You may be surprised to find that every time you buy something from your favorite website, you have to pay a few extra dollars. Credit cards that don't charge for foreign transactions can reduce this huge expense and give you a better idea of how much you spend at the end of the day. More cards offer this kind of fee exemption. You can check whether foreign transaction fees are charged by visiting the details page of the credit card.

How To Pick Best No Foreign Transaction Fee Credit Cards?

Although all the discounts are extra bonuses, the most important features to consider when comparing credit cards without foreign transaction fees are as follows:

APR

Paying huge interest will offset all your savings. Look for low APR or cards with good introductory offers. Better yet, pay off the balance every month to avoid interest.

Travel Incentive Package

Since foreign transaction fees are generally charged abroad, you need good travel benefits and free handling fees. Travel benefits include car insurance, baggage insurance, insurance, delayed or canceled travel insurance, and emergency assistance.

Annual fee

Cards that don't charge an annual fee or a low fee can get more incentives because they are more beneficial to most people.

Should You Get Best No Foreign Transaction Fee Credit Cards?

Credit cards without foreign transaction fees are very valuable for people who often travel or shop abroad.

With these cards, you can get many benefits, such as cash incentives and 0% APR for new purchases. Other cards are more dedicated to bad credit, low interest or cash incentives, but these credit cards without foreign transaction fees tie all these benefits into one card, making them a profitable transaction for anyone who wants to save money.

Are you sure you want a credit card without foreign transaction fees? If you know your credit score, it's much simpler to find the right credit card for you, and you can narrow the search to only those cards that you know you will be approved.

Selection criteria: what makes a great no foreign transaction fee credit card?

Besides having no foreign transaction fee, of course, here are some features to look for.

1. Fits your needs: Maybe you just need a card for spending outside the U.S., which is fine. Or perhaps you want a card to use for your everyday shopping as well.

2. A useful rewards program: It’s great to earn a bit of cash back or some points for the types of purchases you make the most.

3. Shopping and travel benefits: The best credit cards have luxurious travel perks, but most cards still come with some kind of cost-saving protections.

4. A reasonable annual fee: The card you want might have an annual fee. Make sure the rewards and benefits are valuable enough to make that fee worth it.

5. Good customer support: You hope to never use it, but a solid customer support team behind your card can save you from a headache or two. That’s especially true if you’re traveling outside the U.S. and run into some issues using your card.

Is a no foreign transaction fee credit card right for you?

A no foreign transaction fee credit card holds a lot of value for anyone who travels or shops abroad frequently.

With these cards, you may get a lot of benefits like cash rewards and 0 percent APR on new purchases. There are other cards that are more specialized for poor credit, low interest, or cash rewards, but these no foreign transaction fee credit cards bundle all of these benefits into one card, making them a lucrative deal for anyone looking to save.

Not sure you want a no foreign transaction fee credit card? Finding the right credit card for you is much simpler if you know your credit score, and can narrow your search to only the cards you know you’ll get approved for. We’ve made it easy for you. If you don’t already know your score, use our quick and free Credit Score Estimator tool-–then find the perfect card for you!

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