2017 RANKING & REVIEWS
TOP CREDIT CARDS WITH NO FOREIGN TRANSACTION FEES


Be an Expert Jetsetter: Choose No Foreign Fee Credit Cards

Those who understandably do not want to travel with thousands of dollars in cash often bring their credit cards with them on vacation. However, for international travel, foreign transaction fees often cost upwards of 3% each transaction, so it is vital to choose one of the best no foreign transaction fee credit cards. 

If you ever – even infrequently – find yourself in foreign countries, you will want to take advantage of this 2017 guide for finding the top no foreign transaction fee cards.

Award Emblem: Top 6 Best Credit Cards with No Foreign Transaction Fees

So if you have ever wondered any of the following questions about credit cards with no foreign transaction fees, this guide is for you:

  • What is the best credit card to use in Europe?
  • Do travel rewards ever come alongside credit cards without foreign transaction fees?
  • What is the best credit card with no foreign transaction fee for my spending habits? 

See Also: Top Cards & Best Ways to Apply for Credit Cards with Bad Credit or No Credit



AdvisoryHQ’s List of the Top 6 Best No Foreign Transaction Fee Credit Cards

List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):


Top 6 Best Credit Cards with No Foreign Transaction Fees| Brief Comparison & Ranking

Credit Card with No Foreign Fee

APR
Range

Annual
Fee

Travel Perks?

BankAmericard Travel Rewards® Credit Card

15.24
–23.24%

NONE

 YES

Cash Rewards Credit Card from SunTrust

10.49
–21.49%

NONE

 YES

Chase Sapphire Preferred® Credit Card 

 16.24–23.24%

 $95

($0 first year)

 YES

Capital One® Quicksilver®

13.24
–23.24%

 NONE

 NO

TD First Class Visa® Signature Credit Card

13.49%

 $89

($0 first year)

 YES

Capital One® VentureOne®

12.24
–22.24%

 NONE

 YES

Table: Top 6 Best Credit Card with No Foreign Transaction Fee | Above list is sorted alphabetically



What Exactly Are Foreign Transaction Fees?

Before we look at why you should get a credit card without foreign transaction fees, it is important to know what you are avoiding.

Foreign transaction fees are the costs you will have to pay when you use your credit card in a foreign country. Say you spend $3000 on dining and $1,000 on shopping while you are in a foreign country; you could potentially have to pay $120 in fees just because you used your credit card.

best-no-foreign-transaction-fee-credit-cards-min

Image Source: Creative Commons

When you choose one of the top credit cards without foreign transaction fees, you can eliminate spending unnecessary money each time you travel.


What Other Things Should You Keep in Mind?

Choosing a credit card without foreign transaction fees is important, but it is not the only factor to consider. Most people do not spend all of their time in foreign countries, so it is important to pay attention to other factors that go along with your 0 foreign transaction fees credit card that will affect your money, such as:

  • Annual percentage rate (APR)
  • Introductory APR offers
  • Annual fees
  • Bonus offers
  • Rewards
  • Cash back perks
  • Safety features

Chip technology is another great feature to keep in mind, especially since much of Europe uses the chip system. All of the cards below are chip enabled for your convenience.

We will highlight some of these other topics that will be important in choosing the right no foreign transaction fee credit card for you.



AdvisoryHQ’s Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top rated lists?

Please click here “AdvisoryHQ's Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top rated credit cards, financial accounts, firms, products, and services.


Detailed Review – Top Ranking Best No Foreign Transaction Fee Credit Cards

Below, please find the detailed review of each credit card on our list of credit cards with no foreign transaction fees. We have highlighted some of the factors that allowed these no foreign transaction fee cards to score so high in our selection ranking.

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BankAmericard Travel Rewards® Credit Card Review


The first credit card with no international transaction fee to make it to this list is the BankAmericard Travel Rewards® Credit Card. Though it has one of the higher APR ranges, this is one of the best no foreign transaction fee credit cards because there are great travel perks and no annual fee.

Each time you use this no foreign transaction fee card, you earn 1.5 miles to every dollar. These miles can be used for any hotel or airline without blackout dates. Bank of America customers can even get a bonus $10 on their credit cards without foreign transaction fees when they have a checking or savings account.

Best Credit Card with No Foreign Transaction Fee #1: The Other Highlights

  • 0% APR introductory offer for 12 months
  • Can be accepted with only fair to good credit
  • Chip technology enabled
  • Bonus offer: 20,000 bonus points when you spend $1,000 in the first 90 days of having this credit card with no foreign fee.


Cash Rewards Credit Card from SunTrust Review


Next up on our list of the best no foreign transaction fee credit cards is the Cash Rewards Credit Card from SunTrust. This credit card without foreign transaction fees has the lowest APR range on our list, plus a handful of other bonuses including free access to your FICO score.

The cashback rewards you earn from this no foreign transaction fee credit card can easily be exchanged for travel. All qualifying purchases earn you 1% back and gas and grocery can earn you 2% back, with the first $6000 spent on gas and grocery earning you 5% cash back, making it one of the top no foreign fee credit cards.

Best Credit Card with No Foreign Transaction Fee #2: The Other Highlights

  • 0% APR introductory offer for 15 months
  • No annual fee
  • Can be accepted with only fair to good credit 
  • Chip technology enabled


Chase Sapphire Preferred® Credit Card Review


We know the APR range for this credit card without foreign transaction fees is the highest on our list of the best no foreign transaction fee credit cards. We also know it has the highest annual fee. So why did we include the Chase Sapphire Preferred® Credit Card in our top no foreign fee credit cards? Rewards. (See the bonus offer below!)

For the right customer, these no foreign transaction fee cards can earn you big time. You will earn 2 points on all travel and dining expenses and 1 point on every single other dollar spent. However, this 0 foreign transaction fee credit card also offers 25% more value when you redeem these points through Chase Ultimate Rewards.

Best Credit Card with No Foreign Transaction Fee #3: The Other Highlights

  • Can be accepted with only fair to good credit
  • Chip technology enabled
  • Travel, baggage delay, and accident coverage
  • Bonus offer: 50,000 points when you spend $4000 during the first 3 months of having this credit card with no foreign fee (potentially equal to $625)

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Capital One® Quicksilver® Review


On our list of the best no foreign transaction fee credit cards, the Quicksilver card from Capital One is the only one that does not offer explicit travel perks. However, this best credit card with no foreign transaction fee has a fabulous cashback program that can earn you money to use toward travel if you are interested.

Every purchase you make on this no foreign transaction fee credit card earns you 1.5% back in cash. You can redeem the cash whenever you would like for whatever you would like. This is a great option for those who would rather not earn travel points with their credit card with no international transaction fee.

Best Credit Card with No Foreign Transaction Fee #4: The Other Highlights

  • 0% APR introductory offer for 9 months
  • No annual fee
  • Chip technology enabled
  • BONUS OFFER: $100 when you spend $500 in the first 3 months of having this credit card with no foreign fee


TD First Class Visa® Signature Credit Card Review


Next up on our list of the best no foreign transaction fee credit cards is the TD First Class Visa® Signature Credit Card from TD Bank. Though it has an annual fee, the travel perks are excellent on this credit card with no international transaction fee: every dollar spent earns you 1 point and travel purchases earn you 3 points.

Not only is this a 0 foreign transaction fee credit card, it also offers one single low APR rate – great if your credit is not so good. Since credit cards, including no foreign transaction fee cards, offer APR rates based on your creditworthiness, having one low APR option is perfect if your credit is only fair to good (versus excellent).

Best Credit Card with No Foreign Transaction Fee #5: The Other Highlights

  • 0% APR introductory offer for 12 months
  • Can be accepted with only fair to good credit
  • Chip technology enabled
  • Bonus offer: 25,000 bonus points when you spend $250 on travel or dining in the first 6 months of having this credit card with no foreign fee

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Capital One® VentureOne® Review


The last card on our list of the top credit cards without foreign transaction fees is the VentureOne from Capital One. With one of the lower APR ranges and no annual fee, this no foreign transaction fee credit card is a great option for those with excellent credit.

The reward structure is simple. These credit cards with no foreign transaction fees offer 1.25 miles for every single dollar you spend. These miles can be used for airlines, hotels, rental cars, and even more. The fact that rewards are unlimited easily makes it one of the best no foreign fee credit cards.

Best Credit Card with No Foreign Transaction Fee #6: The Other Highlights

  • 0% APR introductory offer for 12 months
  • No annual fee
  • Chip technology enabled
  • Bonus offer: 20,000 bonus miles when you spend $1000 in the first three months of having this credit card with no foreign fee

Conclusion – Top 6 Best No Foreign Transaction Fee Credit Cards

Now that we have showcased six of the best no foreign transaction fee credit cards, it is time to decide which card is right for you.

For those with general concerns – like what the best credit card to use in Europe is – any of these options may be a great choice. However, some of you may have more individualized needs for your credit cards with no foreign transaction fees.

  • Do you often carry a balance month to month? Choose one of the credit cards without foreign transaction fees that also has low APR ranges.
  • Do you want to avoid all fees? Choose a 0 foreign transaction fee credit card that does not have an annual fee.
  • Do you want travel perks specifically? Choose a credit card with no international transaction fee that also offers travel-specific rewards.

Before you know it, you and your “best credit card to use in Europe” can be enjoying Italy without high fees! This is why we have provided this 2017 guide to the best no foreign transaction fee credit cards: for your traveling pleasure.

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AdvisoryHQ (AHQ) Disclaimer:

Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.