Best no foreign transaction fee credit cards of 2025

You could save 1% to 3% per transaction when traveling abroad. Get matched to credit cards from our partners based on your unique credit profile.^⍉

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Travel with peace of mind

Enjoy your trip without worrying about unexpected transaction fees.

Protect yourself from fraud

Get more protection from unauthorized charges than with cash or a debit card.

Earn rewards for your spending

Pick a card with rewards to help you cover travel costs or save up for future trips.

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[TEST] Discover it^® Secured

Ongoing APR:	25.24% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

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Rates and fees

Need help deciding?When comparing no foreign transaction fee credit cards, consider these factors before applying.

Annual percentage rate (APR)

The APR on credit cards is simply the interest rate the card issuer charges when you don’t pay off your balance in full each month—it doesn’t include the card’s annual fees or other fees you may be charged for using your card. There are several types of APR that can apply to credit cards including purchase, balance transfer and cash advance.

Intro bonus

A credit card intro bonus, also called a welcome bonus, is a benefit that credit card issuers offer new cardholders when they're approved for the new card. While some intro bonuses offer automatic rewards upon approval, most require you to spend a certain amount on eligible purchases in a given timeframe to qualify. Look for cards with a high intro bonus and a low spending requirement.

Rewards

Cash back credit cards reward you with cash equal to a percentage of each dollar you spend, which may be a rate of 1% to 2%. Some cash back cards offer rewards for spending in categories such as gas, groceries and dining at a significantly higher rate—3% to 6%, for example. Look for rewards that align with what you spend the most on.

Annual fee

Some credit cards have an annual fee which you'll pay when you first receive the card and at each cardholder anniversary. Take the cost of an annual fee into account when considering which options will benefit you the most over the course of a year.

(147 reviews)

Capital One Quicksilver Secured Cash Rewards Credit Card

Ongoing APR:	29.74% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

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Rates and fees

[TEST] Discover it^® Secured

Ongoing APR:	25.24% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

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Rates and fees

[TEST] Discover it^® Cash Back

Intro bonus:	Dollar-for-dollar match of all cash back earned the first year
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	5% (cash back)
Annual Fee:	$0

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Rates and fees

USAA^® Rate Advantage Visa Platinum^® Card

Ongoing APR:	8.65% - 25.65% Variable
Rewards:	N/A*
Annual Fee:	$0

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Rates and fees

USAA^® Rewards™ Visa Signature^® Card

Ongoing APR:	12.15% - 28.15% Variable
Rewards:	1x-2x (Points per dollar)
Annual Fee:	$0

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Rates and fees

Sony^® Card from Capital One^®

Intro bonus:	N/A*
Intro APR:	N/A
Ongoing APR:	14.99% - 24.99% (Variable)
Rewards:	1x-5x (Points per dollar)
Annual Fee:	$0

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[TEST] American Express^® Gold Card

Intro bonus:	Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	See Pay Over Time APR
Rewards:	5% (cash back)
Annual Fee:	$325

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Rates and fees

[TEST] Discover it^® chrome

Intro bonus:	Earn
Intro APR:	0% on Purchases and Balance Transfers for 14 months
Ongoing APR:	14.24% - 25.24% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

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Terms Apply

Rates and fees

One Key+™ Card

Intro bonus:	N/A*
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	N/A*
Annual Fee:	$99

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Rates and fees

[TEST] Discover it^® Student Cash Back

Intro bonus:	N/A*
Intro APR:	0% on Purchases and 10.99% on Balance Transfers for 6 months
Ongoing APR:	17.24% - 26.24% Variable APR
Rewards:	N/A*
Annual Fee:	$0

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Rates and fees

(579 reviews)

American Express^® Gold Card

Intro bonus:	You may be eligible for as high as 100,000 Membership Rewards^® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Ongoing APR:	See Pay Over Time APR
Rewards:	1x-4x (Points per dollar)
Annual Fee:	$325

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Terms Apply

Rates and fees

Capital One^® Premier Dining Rewards Credit Card

Ongoing APR:	15.49% - 24.49% (Variable)
Rewards:	1%-3% (cash back)
Annual Fee:	$0

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Discover it^® Secured

Ongoing APR:	25.24% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

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Rates and fees

[TEST] SAMU-1959-003

Intro bonus:	N/A*
Intro APR:	0% on Purchases and 10.99% on Balance Transfers for 6 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	N/A*
Annual Fee:	$0

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Rates and fees

(278 reviews)

Delta SkyMiles^® Gold American Express Card

Intro bonus:	Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1x-2x (Miles per dollar)
Annual Fee:	$0 introductory annual fee for the first year, then $150.

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Terms Apply

Rates and fees

(9221 reviews)

Discover it^® Cash Back

Intro bonus:	INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Intro APR:	0% intro APR for 15 months on Purchases and Balance Transfers
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	1%-5% (cash back)
Annual Fee:	$0

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Rates and fees

One Key+™ Card

Intro bonus:	Limited Time Offer: Earn $600 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	2x-3x (Points per dollar)
Annual Fee:	$99

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Rates and fees

(370 reviews)

The Platinum Card^® from American Express

Intro bonus:	You may be eligible for as high as 175,000 Membership Rewards^® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Ongoing APR:	See Pay Over Time APR
Rewards:	1x-5x (Points per dollar)
Annual Fee:	$695

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Terms Apply

Rates and fees

USAA Credit Card

Intro bonus:	Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	1x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

(11 reviews)

Delta SkyMiles^® Reserve American Express Card

Intro bonus:	Earn 125,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1x-3x (Miles per dollar)
Annual Fee:	$650

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Terms Apply

Rates and fees

(6 reviews)

Capital One Quicksilver Student Cash Rewards Credit Card

Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

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Rates and fees

(2985 reviews)

Capital One Savor Cash Rewards Credit Card

Intro bonus:	Earn $300 in welcome bonuses with a limited-time $100 Capital One Travel credit, plus earn $200 cash bonus with $500 spend within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 12 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1%-8% (cash back)
Annual Fee:	$0

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Rates and fees

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	35.99%*
Rewards:	1% (cash back)
Annual Fee:	$0*

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Rates and fees

(30 reviews)

Marriott Bonvoy Brilliant^® American Express^® Card

Intro bonus:	Earn 185,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	2x-6x (Points per dollar)
Annual Fee:	$650

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Terms Apply

Rates and fees

(2371 reviews)

Credit One Bank^® Platinum X5 Visa^® Metal Card

Ongoing APR:	29.49% Variable
Rewards:	1%-5% (cash back)
Annual Fee:	$95

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Terms Apply

Rates and fees

(341 reviews)

Avant^® Mastercard^®

Ongoing APR:	35.99%*
Rewards:	N/A*
Annual Fee:	$0*

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Rates and fees

(112 reviews)

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	35.99%*
Rewards:	1% (cash back)
Annual Fee:	$39*

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Rates and fees

One Key™ Card

Intro bonus:	Limited Time Offer: Earn $400 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

[TEST] First PREMIER^® Bank Mastercard^® Credit Card

Intro bonus:	Unlimited Cashback Match. Discover will automatically match all the cash back you’ve earned at the end of your first year.
Intro APR:	0% on Purchases and Balance Transfers for 14 months
Ongoing APR:	11.99% - 22.99% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

View details

(135 reviews)

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	29.99%*
Rewards:	2% (cash back)
Annual Fee:	$0*

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Rates and fees

(682 reviews)

Hilton Honors American Express Card

Intro bonus:	Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	3x-7x (Points per dollar)
Annual Fee:	$0

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Terms Apply

Rates and fees

[TEST] Capital One Venture Rewards Credit Card

Intro bonus:	75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	5% (cash back)
Annual Fee:	$95

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Rates and fees

[TEST] Capital One Quicksilver Cash Rewards Credit Card TESTV6

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	7% (cash back)
Annual Fee:	N/A

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Rates and fees

Bank of America^® Travel Rewards credit card

Intro bonus:	110$
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	10x (Points per dollar)
Annual Fee:	$0

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Rates and fees

(375 reviews)

Discover it^® Miles

Intro bonus:	UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles to 70,000 Miles.
Intro APR:	0% intro APR for 15 months on Purchases and Balance Transfers
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	1.5x (Miles per dollar)
Annual Fee:	$0

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Rates and fees

One Key+™ Card

Intro bonus:	Earn $400 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	2x-3x (Points per dollar)
Annual Fee:	$99

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Rates and fees

(7 reviews)

Marriott Bonvoy Bevy^® American Express^® Card

Intro bonus:	Earn 155,000 Marriott Bonvoy^® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	2x-6x (Points per dollar)
Annual Fee:	$250

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Terms Apply

Rates and fees

(2930 reviews)

Capital One Quicksilver Cash Rewards Credit Card

Intro bonus:	Earn $300 in welcome bonuses with a limited-time $100 Capital One Travel credit, plus earn $200 cash bonus with $500 spend within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

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Rates and fees

(799 reviews)

Capital One QuicksilverOne Cash Rewards Credit Card

Ongoing APR:	29.74% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$39

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Rates and fees

(41 reviews)

Citi Strata Premier^® Card

Intro bonus:	Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Ongoing APR:	20.24% - 28.24% (Variable)
Rewards:	1x-10x (Points per dollar)
Annual Fee:	$95

Apply View details

Rates and fees

USAA Credit Card

Intro bonus:	Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	1x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

[TEST] Capital One Platinum Credit CardTESTV6

Ongoing APR:	29.99% (Variable)
Rewards:	N/A*
Annual Fee:	N/A

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Rates and fees

(41 reviews)

Capital One Venture X Rewards Credit Card

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	2x-10x (Miles per dollar)
Annual Fee:	$395

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Rates and fees

(589 reviews)

Capital One^® Quicksilver^® Cash Rewards Credit Card

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	15.49% - 25.49% (Variable)
Rewards:	1% (cash back)
Annual Fee:	$0

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Rates and fees

(1332 reviews)

Capital One Savor Cash Rewards for Good Credit

Ongoing APR:	29.74% (Variable)
Rewards:	1%-8% (cash back)
Annual Fee:	$0

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Rates and fees

(212 reviews)

Delta SkyMiles^® Blue American Express Card

Intro bonus:	Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1x-2x (Miles per dollar)
Annual Fee:	$0

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Terms Apply

Rates and fees

(1612 reviews)

Capital One VentureOne Rewards Credit Card

Intro bonus:	20,000 Miles once you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1.25x-5x (Miles per dollar)
Annual Fee:	$0

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Rates and fees

(64 reviews)

Delta SkyMiles^® Platinum American Express Card

Intro bonus:	Earn 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1x-3x (Miles per dollar)
Annual Fee:	$350

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Terms Apply

Rates and fees

(356 reviews)

Capital One Venture Rewards Credit Card

Intro bonus:	75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	2x-5x (Miles per dollar)
Annual Fee:	$95

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Rates and fees

(568 reviews)

Capital One Platinum Secured Credit Card

Ongoing APR:	29.74% (Variable)
Rewards:	N/A*
Annual Fee:	$0

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Rates and fees

(8 reviews)

Capital One Savor Student Cash Rewards Credit Card

Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1%-8% (cash back)
Annual Fee:	$0

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Rates and fees

[TEST] American Express^® Gold Card

Intro bonus:	Earn 35,000 Membership Rewards^® Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
Ongoing APR:	See Rates & Fees
Rewards:	3x-4x (Points per dollar)
Annual Fee:	$250

View details

Terms Apply

Rates and fees

[TEST] Capital One Quicksilver Cash Rewards Credit Card

Intro bonus:	Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	5% (cash back)
Annual Fee:	$0

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Rates and fees

(234 reviews)

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	35.99%*
Rewards:	1% (cash back)
Annual Fee:	$75*

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Rates and fees

Discover it^® Secured

Ongoing APR:	24.99% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

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Rates and fees

(85 reviews)

Hilton Honors American Express Surpass^® Card

Intro bonus:	Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	3x-12x (Points per dollar)
Annual Fee:	$150

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Terms Apply

Rates and fees

(575 reviews)

Credit One Bank^® Wander^® American Express^® with Dining, Gas & Travel Rewards

Ongoing APR:	29.49% Variable
Rewards:	1%-10% (cash back)
Annual Fee:	$95

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Terms Apply

Rates and fees

(783 reviews)

Capital One Quicksilver Cash Rewards for Good Credit

Ongoing APR:	29.74% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

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Rates and fees

(1148 reviews)

Discover it^® Chrome

Intro bonus:	INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Intro APR:	0% intro APR for 6 Months on Purchases and 0% intro APR for 18 Months on Balance Transfers
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	1%-2% (cash back)
Annual Fee:	$0

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Rates and fees

(3838 reviews)

Capital One Platinum Credit Card

Ongoing APR:	29.74% (Variable)
Rewards:	N/A*
Annual Fee:	$0

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Rates and fees

The Platinum Card^® from American Express

Ongoing APR:	N/A
Rewards:	N/A*
Annual Fee:	$550

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Rates and fees

[TEST] Capital One Venture X Rewards Credit Card

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	21x (Points per dollar)
Annual Fee:	$395

View details

Rates and fees

[TEST] Capital One Venture X Rewards Credit Card

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	21x (Points per dollar)
Annual Fee:	$395

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Rates and fees

Platinum Delta SkyMiles^® Credit Card from American Express

Ongoing APR:	17.99%-26.99% Variable
Rewards:	N/A*
Annual Fee:	$195

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Rates and fees

American Express^® Gold Card

Ongoing APR:	See Rates & Fees
Rewards:	N/A*
Annual Fee:	$250

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Rates and fees

SoFi Credit Card

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	17.99% - 29.99% Variable
Rewards:	2% (cash back)
Annual Fee:	$0

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Rates and fees

MP13 - Test auto import with vind-914

Ongoing APR:	field_roa_apr_standard
Rewards:	N/A*
Annual Fee:	field_roa_annual_fee_000

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Rates and fees

[TEST] Capital One Venture X Rewards Credit Card TESTV6

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	40x-50x (Miles per dollar)
Annual Fee:	$395

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Rates and fees

[TEST] Capital One Venture Rewards Credit Card - update

Intro bonus:	75,000 Miles once you spend $4,000 on purchases within 3 months from account openingv
Ongoing APR:	19.99% - 29.49% (Variable)v
Rewards:	N/A*
Annual Fee:	$950

View details

Rates and fees

Barclaycard Arrival Plus^® World Elite Mastercard^®

Ongoing APR:	18.24%, 22.24% or 25.24% variable based on your creditworthiness
Rewards:	N/A*
Annual Fee:	$89 (waived first year)

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Rates and fees

(275 reviews)

Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^®

Ongoing APR:	20.24% - 29.24% (Variable)
Rewards:	2x (Miles per dollar)
Annual Fee:	$99, waived for first 12 months

Apply View details

Rates and fees

Hilton Honors American Express Card

Ongoing APR:	17.99%-26.99% Variable
Rewards:	N/A*
Annual Fee:	N/A*

View details

Rates and fees

MP11 - Test auto import with vind-914

Ongoing APR:	field_roa_apr_standard
Rewards:	N/A*
Annual Fee:	field_roa_annual_fee_000

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Rates and fees

[TEST] Marriott Bonvoy Brilliant^® American Express^® Card

Intro bonus:	Earn 95,000 Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Ongoing APR:	20.99%-29.99% Variable
Rewards:	x ( per dollar)
Annual Fee:	$650

View details

Rates and fees

One Key™ Card

Intro bonus:	Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-1600-001

Intro bonus:	Intro bonus
Intro APR:	11
Ongoing APR:	111
Rewards:	1% (Cash Rewards)
Annual Fee:	1111

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Short Disclaimer

Rates and fees

(1362 reviews)

Capital One VentureOne Rewards for Good Credit

Ongoing APR:	29.74% (Variable)
Rewards:	1.25x-5x (Miles per dollar)
Annual Fee:	$0

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Rates and fees

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Frequently asked questions

A foreign transaction fee is a charge that some credit cards assess on purchases made outside of the United States. Credit card issuers may add this surcharge to any purchases you make while traveling abroad, and sometimes even to purchases made online from foreign vendors.

Foreign transaction fees are assessed by your credit card issuer when you use your credit card for international transactions. The fees will appear as surcharges on your credit card bill.

Foreign transaction fees can be assessed for credit card transactions when:

You use the card for a purchase or cash advance outside the U.S.
You use the card to purchase products or services in a foreign currency.

The fee amount can also vary: Some cards don't charge the fee at all, while others may charge 1% to 3% of each transaction amount. Often, the fee is charged after the transaction is converted into U.S. dollars (USD). You can often find information on foreign transaction fees for your credit card within your cardholder agreement. Look under "Pricing and Terms" or "Rates and Fees" to find information on foreign transaction and other fees.

Foreign transactions fees can vary, but they generally range from between 1% and 3% of each purchase you make outside of the United States. Since it's ultimately up to your credit card issuer to dictate what surcharge you'll pay for making international purchases, it's important to check your credit card's terms to understand the policy for foreign transactions.

The best way to avoid foreign transaction fees is to use a credit or debit card that doesn't charge them. Because there are a lot of benefits to paying with a credit card when you're traveling internationally, it's a good idea for those who frequently travel to prioritize no foreign transaction fees when applying for a credit card.

Of course, it's also possible to avoid paying foreign transaction fees by paying with cash. That has its own downsides, though, including needing to exchange your money before leaving the U.S. to avoid high exchange fees overseas, the risks of loss or theft when carrying large amounts of cash and the lack of credit card fraud protection should something go wrong. That's why, when possible, it's often best to use a credit card when traveling internationally.

Foreign transaction fees are typically assessed as a surcharge at the time of purchase. Then, your charges will appear on your credit card statement and will be paid off when your pay your credit card balance.

No, the fee you pay for foreign transactions won't be impacted by exchange rates. Sometimes, the foreign transaction fee you pay include a currency conversion fee folded into the charge. Your credit card issuer could charge a flat 3% foreign transaction fee, where 1% may cover conversion fees charged by your card's network, and the other 2% goes to your credit card issuer for the transaction fee. On the other hand, some credit cards charge no foreign transaction fee.

No. When making purchases from merchants abroad, you may have the option to pay in local or U.S. currency. It's typically in your interest to choose to pay in local currency. If you choose to convert to USD, the price is converted through a process called dynamic currency conversion (DCC). While choosing USD won't have any impact on paying credit card foreign transaction fees, you'll typically end up paying more if you choose USD. Instead, choose to pay in the local currency. That way, you'll pay the more affordable conversion fees charged by your credit card or bank.

While there are no specific credit score requirements for qualifying for a no foreign transaction fee card, the higher your credit score, the more options you'll have. Having high credit allows you to take your pick from a number of credit card options, including those with no foreign transaction fees. That said, even if your credit needs improvement, you may be able to find a card in your score range that doesn't charge foreign transaction fees.

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