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No foreign transaction fee credit card offers from our partners

By Curtis Arnold Editor-in-chief, updated on April 27, 2015

Using a credit card is an ideal way to combine safety and convenience when traveling. You will have fraud protection, an itemized spending record and no need to fumble with foreign currency. However, many credit cards will charge a foreign transaction fee, or FTF, of 3 percent on every purchase made abroad. Though it may not sound like much at first, this can add up to be quite a dent in your travel budget. CardRatings.com provides a list of no foreign transaction fee credit card offers, so you can spend that 3 percent on something really worthwhile – like a snow globe.

Compare your card and see how it stacks up
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Capital One® VentureOne® Rewards Credit Card
About Our Ratings

Capital One® VentureOne® Rewards Credit Card

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, 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
  • Enjoy a low intro APR on purchases until April 2016; 11.9%-21.9% variable APR after that
  • Travel when you want, no blackout dates
  • No foreign transaction fees
  • Miles don't expire and there's no limit to how many you can earn
  • 100% free Capital One® Credit Tracker, see your monthly credit score anytime and get automatic alerts
Foreign Transaction Fees None
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase APR 11.9% - 21.9% (Variable)
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
Capital One® Venture® Rewards Credit Card
About Our Ratings

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 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, no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker, see your monthly credit score anytime and get automatic alerts
Foreign Transaction Fees None
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase APR 12.9% - 22.9% (Variable)
Annual Fee $0 intro for first year; $59 after that
APPLY NOW Credit Needed Excellent/Good
Journey® Student Rewards from Capital One®
About Our Ratings

Journey® Student Rewards from Capital One®

  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • 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
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
Foreign Transaction Fees None
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase APR 19.80% (Variable)
Annual Fee $0
APPLY NOW Credit Needed Average/Fair/Limited
Citi ThankYou® Premier Card
About Our Ratings

Citi ThankYou® Premier Card

  • Earn 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening - redeemable for $500 in gift cards, $625 for airfare, or other great rewards.
  • Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases
  • ThankYou® Points are worth 25% more when redeemed for travel through thankyou.com, as compared to gift cards
  • No foreign transaction fees on purchases
  • Points do not expire and earn unlimited ThankYou Points
  • Annual Fee: $95 (fee waived for the first 12 months)
Foreign Transaction Fees 0%
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase APR 13.99% - 22.99%* (Variable)
Annual Fee $95; fee waived for the first 12 months*
APPLY NOW Credit Needed Excellent
Capital One® Card Finder Tool
About Our Ratings

Capital One® Card Finder Tool

  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles, and more
  • See your card matches in less than 60 seconds
  • Find a card for where you are--to help you prepare for what's ahead
  • All Capital One cards come with fraud coverage if your card is lost or stolen
  • 24/7 account access including mobile app for fast and easy account management--right from your smartphone
  • Pick the monthly payment due date that works best for you
  • Pay the way you want--by check, online, or at a local branch
Foreign Transaction Fees None
Balance Transfer Intro APR See Terms
Balance Transfer Intro Period See Terms
Purchase APR Various Rates
Annual Fee See terms
APPLY NOW Credit Needed N/A
Capital One® Spark® Cash for Business
About Our Ratings

Capital One® Spark® Cash for Business

  • Earn 2% cash back on every purchase, every day
  • Plus, a one-time $250 cash bonus once you spend $5,000 on purchases within the first 3 months
  • Cash rewards don't expire, and there are no categories to limit where or what you buy
  • Earn a $50 cash bonus by signing up for one or more employee cards in the first 60 days
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • No foreign transaction fees
  • Earn unlimited cash rewards that don't expire
Foreign Transaction Fees None
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase APR 13.9% - 20.9% (Variable)
Annual Fee $0 intro for first year; $59 after that
APPLY NOW Credit Needed Excellent / Good
Capital One® Quicksilver® Cash Rewards Credit Card
About Our Ratings

Capital One® Quicksilver® Cash Rewards Credit Card

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases until January 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until January 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker, the free way to easily monitor your monthly credit score anytime, anywhere
Foreign Transaction Fees None
Balance Transfer Intro APR 0% intro on balance transfers
Balance Transfer Intro Period until January 2016
Purchase APR 12.9% - 22.9% (Variable)
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
Discover it® Miles
About Our Ratings

Discover it® Miles

  • No annual fee & unlimited 1.5x Miles on every dollar you spend on purchases.
  • Exclusive Double Miles Offer: At the end of your first year—when other Miles cards charge an annual fee—Discover doubles all the Miles you’ve earned.*
  • 100 Miles = $1 value. Redeem Miles in any amount toward travel purchases on your statement. Or get cash as a direct deposit to your bank account.*
  • Discover pays you back for your in-flight Wi-Fi fees—up to $30 a year—with an automatic statement credit.*
  • Free FICO® Credit Score on your monthly statements, on mobile app and online*.
  • 100% U.S. based service at your dedicated phone number—day and night.
  • Free overnight shipping of replacement cards to any U.S. street address at your request. And you’re never responsible for unauthorized purchases on your Discover card.*
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply Now.” See complete Discover it® Miles details.
Foreign Transaction Fees None
Balance Transfer Intro APR 10.99%
Balance Transfer Intro Period 12 months
Purchase APR 10.99% - 22.99% Variable*
Annual Fee $0
APPLY NOW Credit Needed Excellent
BuyPower Card from Capital One® -Get The Card That Helps You Get The Car
About Our Ratings

BuyPower Card from Capital One® -Get The Card That Helps You Get The Car

  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees
  • Save even more when you combine your available Earnings with most current GM offers and incentives
  • 0% intro APR on purchases for 12 months, then an 11.9% – 19.9% variable APR on purchases will apply
Foreign Transaction Fees None
Balance Transfer Intro APR n/a
Balance Transfer Intro Period n/a
Purchase APR 11.90% - 19.90% Variable
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
U.S. Bank FlexPerks® Travel Rewards American Express® Card
About Our Ratings

U.S. Bank FlexPerks® Travel Rewards American Express® Card

  • Earn 20,000 enrollment FlexPoints with a new FlexPerks Travel Rewards Card after you spend $3,500 in Net Purchases on your Card within the first four months of account opening.
  • 2X FlexPoints at restaurants and on fast food. Plus, use your Card at select membership warehouse clubs.
  • 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
  • No Foreign Transaction Fees.
  • Redeem for rewards you want – Redemption starts at 1,700 points for brand name merchandise, 2,500 points for gift cards, and 5,000 points for cash back.
  • Additionally, 25,000 points may be redeemed for one airline ticket (up to a $400 value) on over 150 airlines with no blackout dates.
  • Travel Advisor Fee: $25
Foreign Transaction Fees 0%
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase APR 13.99% - 23.99%* (Variable)
Annual Fee $0 for the first year, then $49*
APPLY NOW Credit Needed Excellent
Cadillac BuyPower Card from Capital One®
About Our Ratings

Cadillac BuyPower Card from Capital One®

  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees
  • Save even more when you combine your available Earnings with most current GM offers and incentives
  • 0% intro APR on purchases for 12 months, then an 11.9% - 19.9% variable APR on purchases will apply
Foreign Transaction Fees None
Balance Transfer Intro APR n/a
Balance Transfer Intro Period n/a
Purchase APR 11.90% - 19.90% Variable
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
Buick BuyPower Card from Capital One®
About Our Ratings

Buick BuyPower Card from Capital One®

  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees
  • Save even more when you combine your available Earnings with most current GM offers and incentives
  • 0% intro APR on purchases for 12 months, then an 11.9% - 19.9% variable APR on purchases will apply
Foreign Transaction Fees None
Balance Transfer Intro APR n/a
Balance Transfer Intro Period n/a
Purchase APR 11.90% - 19.90% Variable
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
GMC BuyPower Card from Capital One®
About Our Ratings

GMC BuyPower Card from Capital One®

  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees
  • Save even more when you combine your available Earnings with most current GM offers and incentives
  • 0% intro APR on purchases for 12 months, then an 11.9% - 19.9% variable APR on purchases will apply
Foreign Transaction Fees None
Balance Transfer Intro APR n/a
Balance Transfer Intro Period n/a
Purchase APR 11.90% - 19.90% Variable
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
Chevrolet BuyPower Card from Capital One®
About Our Ratings

Chevrolet BuyPower Card from Capital One®

  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees
  • Save even more when you combine your available Earnings with most current GM offers and incentives
  • 0% intro APR on purchases for 12 months, then an 11.9% - 19.9% variable APR on purchases will apply
Foreign Transaction Fees None
Balance Transfer Intro APR n/a
Balance Transfer Intro Period n/a
Purchase APR 11.90% - 19.90% Variable
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
Capital One® Platinum Prestige Credit Card
About Our Ratings

Capital One® Platinum Prestige Credit Card

  • Get 0% intro APR on all purchases until July 2016; 10.9%-20.9% variable APR after that
  • Balance transfers also have a 0% intro APR until July 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • Pick the monthly due date that works best for you
  • 100% free Capital One® Credit Tracker, see your monthly credit score anytime and get automatic alerts
Foreign Transaction Fees None
Balance Transfer Intro APR 0% intro on balance transfers
Balance Transfer Intro Period until July 2016
Purchase APR 10.9% - 20.9% (Variable)
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
Citi Prestige® Card
About Our Ratings

Citi Prestige® Card

  • $250 Air Travel Credit each year
  • Complimentary 4th Night for any hotel stay
  • Earn 50,000 bonus ThankYou® Points after $3,000 in purchases made with your card in the first 3 months the account is open.
  • Points are redeemable for an $800 flight on American Airlines or US Airways®, a $665 flight on any other airline or $500 in gift cards.
  • Transfer points to a variety of travel loyalty programs from airlines to hotels.
  • Earn 3x points on Air Travel and Hotels
  • Earn 2x points on Dining at Restaurants and Entertainment
  • 1 ThankYou® Point per $1 spent on other purchases
Foreign Transaction Fees 0%
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase APR 15.24%* (Variable)
Annual Fee $450
APPLY NOW Credit Needed Excellent
Capital One® Secured MasterCard®
About Our Ratings

Capital One® Secured MasterCard®

  • No annual fee, with all the credit building benefits
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness, no additional deposit required
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card, accepted at millions of locations worldwide
Foreign Transaction Fees None
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase APR 24.9% (Variable)
Annual Fee $0
APPLY NOW Credit Needed Limited/Bad
Capital One® QuicksilverOne® Cash Rewards Credit Card
About Our Ratings

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time, cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases until January 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until January 2016, a 3% fee applies to each balance transferred
  • 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
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
Foreign Transaction Fees None
Balance Transfer Intro APR 0% intro on balance transfers
Balance Transfer Intro Period until January 2016
Purchase APR 22.9% (Variable)
Annual Fee $39
APPLY NOW Credit Needed Average/Fair/Limited
Barclaycard® Ring MasterCard®
About Our Ratings

Barclaycard® Ring MasterCard®

  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Foreign Transaction Fees None
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase APR 8% Variable
Annual Fee $0
APPLY NOW Credit Needed Excellent
Visa® Black Card™
About Our Ratings

Visa® Black Card™

  • Earn 25,000 Bonus Points when you spend $1,500 in the first 90 days* as part of our Industry - Leading Rewards Program
  • Exclusive 24-Hour Concierge Service
  • VIP Treatment at over 3,000 Properties
  • Made of Stainless Steel(SM)
Foreign Transaction Fees 0%
Balance Transfer Intro APR 0%
Balance Transfer Intro Period For 15 Months*
Purchase APR 14.99% Variable
Annual Fee $495
APPLY NOW Credit Needed Good
Credit Card Database

More about No foreign transaction fee credit card offers

  • What is a foreign transaction fee?
  • Who offers cards without foreign transaction fees?
  • Why should I use a credit card abroad?
  • What other perks can I get from these cards?

The foreign transaction fee, or FTF, is a fee usually made up of 1 percent charged by the transaction network - such as MasterCard or Visa - and 2 percent charged by the issuing bank, for a total of 3 percent. Banks charge this fee for the convenience of exchanging currency. However, as this process becomes commonplace, many banks have opted to remove the fee from certain credit cards.

All credit card networks (AmEx, Discover, Visa and MasterCard) and most major issuers (Chase, Citi, Capital One, to name a few) offer at least one card without FTF. All credit cards from Discover and Capital One do not charge a FTF. Included on our list are select cards from Chase, Discover and Barclaycard. CardRatings.com does the work for you by listing credit cards from our partners that do not charge a foreign transaction fee, so you can compare the other benefits provided to find which card would match you needs.   

Using a credit card without a foreign transaction fee while abroad is ideal for a number of reasons.  First, you have fraud protection with your credit card. If your cash is stolen, you will be out the money. However, if your card is stolen and used, by law the maximum you would owe for unauthorized charges is $50 per card. However, with most companies zero-liability policies, you will not be liable for the charges and you will not lose any money. Second, your credit card statements acts as a record of your spending, ideal for making sure your trip matches up with your travel budget. Lastly, dealing with foreign currency can be confusing and overwhelming. If counting out coins before trying to catch a metro train makes you panic, it’s much easier to use your card to purchase a pack of metro tickets with your credit card and save your pocket change for the street performers.

Though perks and rewards will change depending on card issuer, many of these cards are associated with some of the best rewards programs available for frequent travelers. Perks on some cards include free checked baggage, airport lounge access and trip insurance. Other rewards programs offer point systems that are able to be used on almost every aspect of your travels from using points to book flights to earning points on purchases such as gas and dining out. Also, many of these FTF-fee cards include a EMV chip embedded in the card to increase security. This chip technology will make it much easier when traveling in Europe, where chip-and-pin cards are now the standard. CardRatings.com provides an outline of each card highlighting additional card features and benefits.