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10 Great Travel Cards With No Foreign Transaction Fees of November 2026
October, 2026Foreign transaction fees can add a few percent to every purchase you make abroad. These travel cards don't charge them, and they earn points or miles toward your next trip.
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What to look for in a card for international travel
No foreign transaction fees. They usually run around 3% of each purchase, which adds up quickly on a long trip.
Card acceptance. Visa and Mastercard are accepted at more merchants abroad than some other networks.
Travel protections. Trip cancellation, lost baggage and rental car coverage can save money when plans change.
Our pick for: No foreign transaction fees + flexible travel points
Annual fee$95Rewards rate1x-5xPointsIntro offer75,000pointsRegular APR19.49%-27.74% Variable APRRecommended credit score690-850(Good - Excellent)Rewards breakdown
5xPoints on travel purchased through Chase Travel℠.3xPoints on dining.3xPoints on vacation homes at top brands.3xPoints on on gas & EV charging.3xPoints on top streaming services.3xPoints on online groceries (excluding Walmart, Target, and wholesale clubs).2xPoints on all other travel purchases.1xPoint on all other purchases.Card details
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
- Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
- Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
- Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
- Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Transfer points to leading airline and hotel loyalty programs.
- Member FDIC
- View Rates & Fees
NerdWallet's take
The Chase Sapphire Preferred® Card is a popular all-around travel card with flexible points and solid travel protections. You can use it abroad without paying extra on every purchase.
Read full reviewProsEarns bonus points on travel booked through Chase Travel, dining, select streaming services, online groceries and more.
No foreign transaction fees.
An annual statement credit for hotel stays booked through Chase Travel.
Trip cancellation and interruption insurance and auto rental coverage.
ConsAnnual fee: $95
Our pick for: No foreign transaction fees + bonus points on everyday travel and dining
Annual fee$0Rewards rate1x-3xPointsIntro offer20,000pointsRecommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR for 12 months from account opening on purchasesRegular APR18.74%, 24.74%, or 28.74% Variable APRRewards breakdown
3xUnlimited Points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.1xUnlimited Points on other purchases.Card details
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 18.74%, 24.74%, or 28.74% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- View Rates & Fees
NerdWallet's take
The Wells Fargo Autograph® Card earns bonus points across many everyday categories without an annual fee. It earns toward your next trip without a surcharge on purchases overseas.
Read full reviewProsEarns bonus points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.
No foreign transaction fees.
Cell phone protection against damage or theft, subject to a deductible.
Redeem points for travel, gift cards or statement credits.
Annual fee: $0.
ConsOur pick for: No foreign transaction fees + bonus points on hotels and airlines
Apply Nowon Wells Fargo's websiteon Wells Fargo's websiteAnnual fee$95Rewards rate1x-5xPointsIntro offer60,000pointsRegular APR19.74%, 25.74%, or 28.74% Variable APRRecommended credit score690-850(Good - Excellent)Rewards breakdown
5xUnlimited Points with hotels.4xUnlimited Points with airlines3xUnlimited Points on other travel and restaurants.1xUnlimited Points on other purchases.Card details
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel, and 1X points on other purchases.
- $95 annual fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- View Rates & Fees
NerdWallet's take
The Wells Fargo Autograph Journey® Card is a step up for frequent travelers, with richer travel rewards and protections. It's built for people who travel internationally.
Read full reviewProsEarns bonus points on hotels, airlines, other travel and restaurants.
No foreign transaction fees.
Travel protections including trip cancellation and interruption, lost baggage and rental car coverage.
An annual statement credit with a qualifying airline purchase.
ConsAnnual fee: $95
Our pick for: No foreign transaction fees + points on rent and everyday spending
Annual fee$495Rewards rate2xPointsIntro offer50,000 Points + $300 Bilt CashRecommended credit score690-850(Good - Excellent)Purchase intro APRThe ongoing APR is 26.99%-34.99% Variable APRRegular APR26.99%-34.99% Variable APRRewards breakdown
2xPoints on everyday spend.1.25xUp to 1.25x points on rent and mortgage payments with no foreign transaction fee.Card details
- Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
- 2X points on everyday spend
- $400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
- $200 Bilt Cash (awarded annually). Each Bilt Cash award expires 12 months after you earn it, on the last day of that month.
- Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
- Priority Pass ($469/year value). See Guide to Benefits.
- Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
- Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.
- View Rates & Fees
NerdWallet's take
The Bilt Palladium Card turns rent and mortgage payments into travel points, with premium perks on top. You can use it abroad without paying extra on every purchase.
Read full reviewProsEarns points on everyday spending and on rent and mortgage payments with no transaction fee.
No foreign transaction fees.
An annual hotel credit for bookings through Bilt Travel, plus Priority Pass lounge membership.
Redeem points with airlines and hotels, or toward rent and mortgage payments.
ConsHigh annual fee: $495
Redemptions can be complicated.
Our pick for: No foreign transaction fees + bonus points on travel and everyday spending
Annual fee$95Rewards rate1x-10xPointsIntro offer60,000pointsRegular APR19.74%-27.74% Variable APRRecommended credit score690-850(Good - Excellent)Rewards breakdown
10xPoints per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.3xPoints per $1 on Air Travel.3xPoints per $1 on Hotels.3xPoints per $1 spent at Supermarkets.3xPoints per $1 spent at Gas Stations.3xPoints per $1 spent at Restaurants.1xPoint per $1 spent on all other purchases.Card details
- 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.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
- View Rates & Fees
NerdWallet's take
The Citi Strata Premier® Card earns bonus points across travel and everyday categories. It earns toward your next trip without a surcharge on purchases overseas.
Read full reviewProsEarns bonus points on air travel, hotels, restaurants, supermarkets, and gas and EV charging, with more on hotels, car rentals and attractions booked through Citi Travel.
No foreign transaction fees.
An annual hotel benefit on qualifying stays booked through Citi Travel.
Points don't expire, and there's no limit to how many you can earn.
ConsAnnual fee: $95
Our pick for: No foreign transaction fees + points on rent
Annual fee$0Rewards rateUp to 1.25xPointsIntro offer$100 Bilt CashRegular APR26.99%-34.99% Variable APRRecommended credit score690-850(Good - Excellent)Rewards breakdown
1xPoints on everyday purchases.1.25xUp to 1.25x points on rent and mortgage payments with no transaction fee.Card details
- Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
- 1X points on everyday spend.
- Welcome offer: $100 of Bilt Cash when you apply and get approved. Each Bilt Cash award expires 12 months after you earn it, on the last day of that month.
- Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
- Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.
- Other benefits: No foreign transaction fees, Cellular Wireless Telephone Protection, Purchase Assurance, MasterRental Coverage (See Guide to Benefits).
- View Rates & Fees
NerdWallet's take
The Bilt Blue Card lets renters and homeowners earn travel points on their biggest monthly bill. It's built for people who travel internationally.
Read full reviewProsEarns points on rent and mortgage payments with no transaction fee, plus on everyday purchases.
No foreign transaction fees.
Redeem points with airline and hotel partners or toward rent and mortgage payments.
Cell phone protection and purchase assurance.
Annual fee: $0.
ConsEarns at a base rate on everyday purchases.
Redemptions can be complicated.
Our pick for: No foreign transaction fees + United miles + two free checked bags
Annual fee$350Rewards rate1x-4xMilesIntro offerUp to 90,000 Miles + 500 PQPRegular APR19.99%-28.49% Variable APRRecommended credit score690-850(Good - Excellent)Rewards breakdown
4xMiles on eligible United® purchases.2xMiles on dining, select streaming services, and all other travel.1xMile on all other purchases.Card details
- Earn up to 90,000 bonus miles after qualifying activities and 500 PQP after first purchase
- 10x total miles on eligible United flights and 4x miles on all other eligible United® purchases
- 2x miles on dining, select streaming services, and all other travel
- 1x mile on all other purchases
- Get a jump start on earning Premier status with 1,000 Card Bonus PQP each year, awarded within 8 weeks of February 1, starting in the calendar year following your account open date.
- Free first and second checked bags--a savings of up to $440 per roundtrip (terms apply)
- Receive a $200 United® travel credit and 10,000-mile award flight discount on each account anniversary
- Save 10% or more when booking flights with miles. Premier members save even more.
- Member FDIC
- View Rates & Fees
NerdWallet's take
The United Quest℠ Card is for frequent United flyers who'll use its travel credit and bag benefits. You can use it abroad without paying extra on every purchase.
Read full reviewProsEarns miles on United purchases, dining, select streaming services and other travel.
No foreign transaction fees.
Free first and second checked bags (terms apply).
An annual United travel credit and award flight discount on each anniversary.
ConsAnnual fee: $350
Our pick for: No foreign transaction fees + American Airlines miles + Admirals Club passes
Apply Nowon Citibank's applicationon Citibank's applicationAnnual fee$350Rewards rate1x-6xMilesIntro offer60,000milesRegular APR19.74%-29.74% Variable APRRecommended credit score690-850(Good - Excellent)Rewards breakdown
6xAAdvantage® miles for every $1 spent on eligible hotels booked through aadvantagehotels.com.3xAAdvantage® miles for every $1 spent on eligible American Airlines purchases.2xAAdvantage® miles for every $1 spent at restaurants, including takeout and delivery.1xAAdvantage® miles for every $1 spent on all other purchases.Card details
- Earn 60,000 American Airlines AAdvantage® bonus miles after $4,000 in purchases in the first 3 months of account opening.
- American Airlines AAdvantage® bonus miles are not available if you have received AAdvantage® bonus miles for a new AAdvantage® Globe™ account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a AAdvantage® Globe™ account.
- Every calendar year, receive four Admirals Club® Globe™ Passes.
- Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
- Earn 6 AAdvantage® miles for every $1 spent on eligible hotels booked through aadvantagehotels.com.
- Earn 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
- Earn 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery.
- Earn 1 AAdvantage® miles for every $1 spent on all other purchases.
- View Rates & Fees
NerdWallet's take
The Citi® / AAdvantage® Globe™ Mastercard® adds lounge passes and travel perks for regular American Airlines flyers. It earns toward your next trip without a surcharge on purchases overseas.
Read full reviewProsEarns miles on eligible American Airlines purchases, at restaurants and on hotels booked through AAdvantage Hotels.
No foreign transaction fees.
Four Admirals Club passes each calendar year.
A Global Entry or TSA PreCheck application fee credit.
ConsAnnual fee: $350
Rewards are less flexible than general travel points.
Our pick for: No foreign transaction fees + Southwest points + anniversary bonus
Apply Nowon Chase's websiteon Chase's websiteAnnual fee$99Rewards rate1x-2xPointsIntro offer80,000pointsRegular APR19.49%-27.99% Variable APRRecommended credit score690-850(Good - Excellent)Rewards breakdown
2xPoints on Southwest Airlines® purchases.2xPoints at Gas stations and Grocery stores on first $5,000 in combined purchases per year.1xPoints on all other purchases.Card details
- Earn 80,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 3,000 anniversary points each year.
- Earn 2 points per $1 spent on Southwest Airlines® purchases
- Earn 2 points for every $1 you spend at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year
- Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost.
- Select a Standard seat within 48 hours prior to departure, when available.
- Earn 1 point for every $1 spent on all other purchases.
- No foreign transaction fees.
- Member FDIC
- View Rates & Fees
NerdWallet's take
The Southwest Rapid Rewards® Plus Credit Card is an affordable way to earn Southwest points and save on bags. It's built for people who travel internationally.
Read full reviewProsEarns points on Southwest purchases, plus at gas stations and grocery stores up to an annual cap.
No foreign transaction fees.
Anniversary points each year.
A first checked bag at no cost for you and up to 8 others on the same reservation.
ConsAnnual fee: $99
Our pick for: No foreign transaction fees + premium travel perks
Annual fee$795Rewards rate1x-8xPointsIntro offer100,000pointsRegular APR19.74%-28.24% Variable APRRecommended credit score720-850(Excellent)Rewards breakdown
8xPoints on all purchases through Chase Travel℠, including The Edit℠.4xPoints on flights and hotels booked direct.3xPoints on dining worldwide.1xPoints on all other purchases.Card details
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, a statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually when you dine at restaurants part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually.
- Member FDIC
- View Rates & Fees
NerdWallet's take
The Chase Sapphire Reserve® is a premium card for frequent travelers who'll use its credits and lounge access. You can use it abroad without paying extra on every purchase.
Read full reviewProsEarns bonus points on purchases through Chase Travel, flights and hotels booked directly, and dining.
No foreign transaction fees.
An annual travel credit and airport lounge access, including Priority Pass Select.
ConsHigh annual fee: $795
Compare the Best Travel No Foreign Transaction Fee Credit Cards
| Credit card | Rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
 Chase Sapphire Preferred® CardApply Nowon Chase's website on Chase's website | Best for No foreign transaction fees + flexible travel points | $95 | 1x-5x | 75,000 points | Apply Nowon Chase's website on Chase's website |
 Wells Fargo Autograph® CardApply Nowon Wells Fargo's website on Wells Fargo's website | Best for No foreign transaction fees + bonus points on everyday travel and dining | $0 | 1x-3x | 20,000 points | Apply Nowon Wells Fargo's website on Wells Fargo's website |
| Wells Fargo Autograph Journey® Card Apply Nowon Wells Fargo's website on Wells Fargo's website | Best for No foreign transaction fees + bonus points on hotels and airlines | $95 | 1x-5x | 60,000 points | Apply Nowon Wells Fargo's website on Wells Fargo's website |
 Bilt Palladium CardApply Nowon Bilt's website on Bilt's website | Best for No foreign transaction fees + points on rent and everyday spending | $495 | 2x | 50,000 Points + $300 Bilt Cash | Apply Nowon Bilt's website on Bilt's website |
 Citi Strata Premier® CardApply Nowon Citibank's application on Citibank's application | Best for No foreign transaction fees + bonus points on travel and everyday spending | $95 | 1x-10x | 60,000 points | Apply Nowon Citibank's application on Citibank's application |
 Bilt Blue CardApply Nowon Bilt's website on Bilt's website | Best for No foreign transaction fees + points on rent | $0 | Up to 1.25x | $100 Bilt Cash | Apply Nowon Bilt's website on Bilt's website |
 United Quest℠ CardApply Nowon Chase's website on Chase's website | Best for No foreign transaction fees + United miles + two free checked bags | $350 | 1x-4x | Up to 90,000 Miles + 500 PQP | Apply Nowon Chase's website on Chase's website |
| Citi® / AAdvantage® Globe™ Mastercard® Apply Nowon Citibank's application on Citibank's application | Best for No foreign transaction fees + American Airlines miles + Admirals Club passes | $350 | 1x-6x | 60,000 miles | Apply Nowon Citibank's application on Citibank's application |
| Southwest Rapid Rewards® Plus Credit Card Apply Nowon Chase's website on Chase's website | Best for No foreign transaction fees + Southwest points + anniversary bonus | $99 | 1x-2x | 80,000 points | Apply Nowon Chase's website on Chase's website |
 Chase Sapphire Reserve®Apply Nowon Chase's website on Chase's website | Best for No foreign transaction fees + premium travel perks | $795 | 1x-8x | 100,000 points | Apply Nowon Chase's website on Chase's website |
