Best No Foreign Transaction Fee Credit Cards of January 2019
NerdWalletLast updated on January 13, 2019
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Our pick for
Flat-rate travel rewards
on Barclays's secure website
on Barclays's secure website
Annual Fee
$89
Waived first year
Regular APR
18.24%, 22.24% or 25.24% variable based on your creditworthiness
Intro APR
0% intro APR for the first 12 billing cycles following each balance transfer that posts to your account within 45 days of account opening
recommended credit score
Our pick for
Bonus travel rewards
on Chase's secure website
on Chase's secure website
Annual Fee
$95
Waived first year
Regular APR
17.99% - 24.99% Variable APR
Intro APR
N/A
recommended credit score
Our pick for
No-annual-fee travel rewards
on Bank of America's secure website, or call (800) 211-3740
on Bank of America's secure website, or call (800) 211-3740
Annual Fee
$0
Regular APR
17.24% - 25.24% Variable APR
Intro APR
0% on Purchases for 12 billing cycles
recommended credit score
Our pick for
Business travel
on Chase's secure website
on Chase's secure website
Annual Fee
$95
Regular APR
17.99% - 22.99% Variable APR
Intro APR
N/A
recommended credit score
Our pick for
Cash back
on Capital One's secure website
on Capital One's secure website
Annual Fee
$0
Regular APR
15.24% - 25.24% Variable APR
Intro APR
0% on Purchases and Balance Transfers for 15 months
recommended credit score
Our pick for
Average credit
on Capital One's secure website
on Capital One's secure website
Annual Fee
$39
Regular APR
26.96% Variable APR
Intro APR
N/A
recommended credit score
Our pick for
Students
on Deserve's secure website
on Deserve's secure website
Annual Fee
$0
Regular APR
20.74% Variable
Intro APR
N/A
recommended credit score
Summary of Best No Foreign Transaction Fee Credit Cards of January 2019
| Credit Card | Best For | Intro APR | Regular APR | Annual Fee | Learn More |
|---|---|---|---|---|---|
Barclaycard Arrival Plus® World Elite Mastercard® on Barclays's secure website | Flat-rate travel rewards | 0% intro APR for the first 12 billing cycles following each balance transfer that posts to your account within 45 days of account opening | 18.24%, 22.24% or 25.24% variable based on your creditworthiness | $89 Waived first year | on Barclays's secure website |
Chase Sapphire Preferred® Card on Chase's secure website | Bonus travel rewards | N/A | 17.99% - 24.99% Variable APR | $95 Waived first year | on Chase's secure website |
Bank of America® Travel Rewards credit card on Bank of America's secure website, or call (800) 211-3740 | No-annual-fee travel rewards | 0% on Purchases for 12 billing cycles | 17.24% - 25.24% Variable APR | $0 | on Bank of America's secure website, or call (800) 211-3740 |
Ink Business Preferred℠ Credit Card on Chase's secure website | Business travel | N/A | 17.99% - 22.99% Variable APR | $95 | on Chase's secure website |
Capital One® Quicksilver® Cash Rewards Credit Card on Capital One's secure website | Cash back | 0% on Purchases and Balance Transfers for 15 months | 15.24% - 25.24% Variable APR | $0 | on Capital One's secure website |
Capital One® QuicksilverOne® Cash Rewards Credit Card on Capital One's secure website | Average credit | N/A | 26.96% Variable APR | $39 | on Capital One's secure website |
Deserve® Edu Mastercard for Students on Deserve's secure website | Students | N/A | 20.74% Variable | $0 | on Deserve's secure website |
| Credit Card | Best For | Intro APR | Regular APR | Annual Fee | Learn More |
|---|---|---|---|---|---|
Barclaycard Arrival Plus® World Elite Mastercard® on Barclays's secure website | Flat-rate travel rewards | 0% intro APR for the first 12 billing cycles following each balance transfer that posts to your account within 45 days of account opening | 18.24%, 22.24% or 25.24% variable based on your creditworthiness | $89 Waived first year | on Barclays's secure website |
Chase Sapphire Preferred® Card on Chase's secure website | Bonus travel rewards | N/A | 17.99% - 24.99% Variable APR | $95 Waived first year | on Chase's secure website |
Bank of America® Travel Rewards credit card on Bank of America's secure website, or call (800) 211-3740 | No-annual-fee travel rewards | 0% on Purchases for 12 billing cycles | 17.24% - 25.24% Variable APR | $0 | on Bank of America's secure website, or call (800) 211-3740 |
Ink Business Preferred℠ Credit Card on Chase's secure website | Business travel | N/A | 17.99% - 22.99% Variable APR | $95 | on Chase's secure website |
Capital One® Quicksilver® Cash Rewards Credit Card on Capital One's secure website | Cash back | 0% on Purchases and Balance Transfers for 15 months | 15.24% - 25.24% Variable APR | $0 | on Capital One's secure website |
Capital One® QuicksilverOne® Cash Rewards Credit Card on Capital One's secure website | Average credit | N/A | 26.96% Variable APR | $39 | on Capital One's secure website |
Deserve® Edu Mastercard for Students on Deserve's secure website | Students | N/A | 20.74% Variable | $0 | on Deserve's secure website |
Top credit card issuers’ foreign transaction fees
Here’s a look at the standard foreign transaction fees charged by major U.S. credit card issuers. It’s important to note that many issuers waive the foreign transaction fee on certain cards, including the ones listed above. Some major issuers don’t charge foreign transaction fees on any of their cards.
| Issuer | Foreign transaction fee |
|---|---|
| American Express | 2.7% |
| Bank of America® | 3% |
| Barclaycard | 3% |
| Capital One | 0% |
| Chase | 3% |
| Citi | 3% |
| Discover | 0% |
| U.S. Bank | 3% (2% for transactions in U.S. dollars) |
| Wells Fargo | 3% |
Methodology
NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.
Last updated on January 13, 2019
To recap our selections...
NerdWallet's Best No Foreign Transaction Fee Credit Cards of January 2019
- Barclaycard Arrival Plus® World Elite Mastercard®: Best for Flat-rate travel rewards
- Chase Sapphire Preferred® Card: Best for Bonus travel rewards
- Bank of America® Travel Rewards credit card: Best for No-annual-fee travel rewards
- Ink Business Preferred℠ Credit Card: Best for Business travel
- Capital One® Quicksilver® Cash Rewards Credit Card: Best for Cash back
- Capital One® QuicksilverOne® Cash Rewards Credit Card: Best for Average credit
- Deserve® Edu Mastercard for Students: Best for Students
