Top Offers with No Foreign Transaction Fees 2024

When you use your credit card while travelling abroad, you may notice one fee on your receipt or credit card statement - a foreign transaction fee (sometimes also called a currency conversion fee). That is a standard fee of 2-3% on any purchase made with a credit card outside the U.S. But you can avoid this fee if you have a no foreign transaction fee card. There are credit cards out there that charge no foreign transaction fees, and you can find some of them below.

March 2024: TOP NO FOREIGN TRANSACTION FEE OFFER

5
Card Overall Rating
Good to Excellent Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
13.24% - 18.00% Variable APR
Annual Fee
None
  • Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
  • Earn 1 point for every $1 spent on everyday purchases
  • No annual fee or balance transfer fee

More No Foreign Transaction Fee Credit Cards

4
Card Overall Rating
Any Credit
  • No Monthly Fees.
  • Get fee-free overdraft up to $200* with SpotMe®.
  • Set up Direct Deposit and get your paycheck up to 2 days earlier^ than some of your co-workers!
  • Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
  • *SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Credit Builder Visa® Credit Card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
  • ^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Card Type
Debit
Activation Fee
No
Maintenance Fee
No
Overdraft Available
Yes
First Tech Choice Rewards World Mastercard® Application
Compare now (15) »
on First Tech's secure website
5
Card Overall Rating
Good to Excellent Credit
  • Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
  • Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
  • Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
  • No points maximum and your points never expire
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
13.50% - 18.00% Variable APR
Annual Fee
None
First Tech Platinum Rewards Mastercard® Application
Compare now (15) »
on First Tech's secure website
5
Card Overall Rating
Good to Excellent Credit
  • Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
  • Earn 1 point for every $1 spent on everyday purchases
  • No annual fee or balance transfer fee
  • Points never expire while account is open and in good standing
  • Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
13.24% - 18.00% Variable APR
Annual Fee
None
5
Card Overall Rating
Excellent / Good Credit
  • Take advantage of a one-time bonus, terms apply.
  • Earn miles or point rewards on every purchase. Rewards won’t expire.
  • Redeem earned rewards for travel and more.
  • Enjoy 0% Intro APR on purchases; ongoing variable APR applies after that.
Intro APR on Purchases
0% (up to 15 months)
Intro APR on Balance Transfers
0% (up to 18 months)
Regular Purchase APR
See terms
Annual Fee
$0

This offer is not available in U.S. territories.

4
Card Overall Rating
Excellent/Good Credit
  • Receive a $200 statement credit when you spend $3,000 in the first 3 months.
  • Earn 5 Rocket Rewards points for every dollar spent. There’s no limit on how many points you can earn!
  • Redeem earned points towards Roket Mortgage closing costs, including downpayment, Rocket Mortgage Principal, or as statement credit.
  • No annual fee if you have a mortgage with Rocket. $95 annual fee otherwise.
  • Manage your card and finances using Rocket Money app.
  • Digital card security with built-in features, like Freeze Card.
  • Visa Signature benefits, like extended warranty protection, cell phone protection, porch piracy protection.
  • See if you’re preapproved in as little as 2 minutes with no impact to your credit score.

This offer is not available in U.S. territories.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
20.99% to 30.99%, based on your creditworthiness
Annual Fee
$95 - waived for customers who have an existing, serviced mortgage with Rocket Mortgage

No Extra Fees with No Foreign Fee Cards

A no foreign transaction fee credit card won't charge you any extra fees when you use it to make purchases outside of the United States. The last thing you want to see when you come back from your vacation is jaw dropping bill for something you even might have not known about. But there is no need to worry about this extra fee when you have a card without foreign transaction fee. And if you find a no foreign transaction fee card that offers rewards for travelers, you can reap even more benefits.

Most travel rewards credit cards and airline co-branded credit cards feature no foreign transaction fees among other travel perks. More and more other types of cards are offering this feature and waiving foreign transaction fees, but you need to make sure you read the fine print, to make sure you don't find a surprise on your credit card bill when you get home from traveling abroad.

If you travel a lot and use your credit cards to pay while you are abroad, a credit card with no foreign transaction fee is a must have for you. The common foreign transaction fee is 3% for each transaction you make. You can easily calculate how much you'll pay for a convenience of using your credit card abroad. And this is the amount you can save by simply using a no foreign transaction fee credit card.

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A foreign transaction fee is a fee that you are charged every time you use your card to make a purchase in another country. Usually this fee is charged as a percentage of the purchase - common it is 2%-3%. If you are a frequent traveler and shop...
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