Updated on Nov 15, 2017

Best International Credit Cards With No Foreign Transaction Fee for 2017

Choose a card with $0 foreign transaction fees to save on your next trip abroad.
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Whether you’re traveling solo, or you’ve joined a group of the perfect travel companions, you want to be sure that you get the best deal for your globetrotting experience. That’s why we’ve put together a list of the top international credit cards with $0 foreign transaction fees. We’ve hand-picked the top international card in four categories: best all-around, best hotel card, best first-year rewards matching, and best no-annual fee. Once you’ve found the perfect card for you, click Apply Now, then start calling your travel buddies.

Summary

Best international credit cards for 2017

Here are the best no foreign transaction fee credit cards for 2017:

Best all-around international credit card

Chase Sapphire Preferred® Card
Rewards summary 2X points on travel and dining; 1 point/dollar on all other purchases Terms apply
Foreign transaction fees $0

Signup bonus 50,000 points
Annual Fee Introductory Annual Fee of $0 the first year, then $95
Featured perk Get 25% more value when you redeem points for travel through Chase Ultimate Rewards®.
Highlights Provided by Chase Show Highlights
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
  • Issuer: Chase
  • Rewards Details: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
  • Sign Up Bonus: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Annual Fee: Introductory Annual Fee of $0 the first year, then $95
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 25.99% Variable
  • Foreign Transaction Fee: $0
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 16.99% - 23.99% Variable
  • Penalty APR: None

Our two cents

Who should get it

Anyone who considers themselves a world traveller should check out the Chase Sapphire Preferred® Card. Combining $0 foreign transaction fees with Visa’s worldwide merchant network, it’s globally accepted and one of the most secure spending options for those abroad. At home and overseas, cardmembers benefit from 2X points on travel and restaurants worldwide with 1x on all other purchases. Whether you’re looking to earn points as quickly as possible, or you want the widest variety of travel redemption offers, this card should be first on your list.

How to use it
  • Cardmembers earn 1x points per $1 spent on most purchases, so use it as often as you can.
  • Use it while you’re eating out for 2X points on dining at restaurants worldwide.
  • Even use it while you’re travelling for 2X points on travel by air, taxi, or train.
  • Use it ASAP: Cardmembers earn 50,000 bonus points after spending $4,000 in purchases within the first three months.
  • Travel often. You’ll get 25% more per point when redeeming points for travel through Chase Ultimate Rewards®, including transport and hotel costs.
Consider this

Chase waives the annual fee for the first year. After that, membership costs $95 a year. If you’re not a frequent patron of restaurants, then you’re likely to miss out on one of the card’s biggest benefits. And if you’re not the travelling type, then you might want to consider a card with more flexible benefits.

Why you'll love it

On our list of $0 foreign transaction fee cards, the Chase Sapphire Preferred® Card offers the most generous rewards and the most flexibility for redeeming them. Earning 2X points on travel and restaurants worldwide will especially appeal to frequent international travelers. Add in the perks of redeeming with a 25% points bonus on travel booked through Chase Ultimate Rewards®, and you have even more reason to consider the Chase Sapphire Preferred® Card before your next overseas trip.

Start your application now

Best hotel card with no foreign transaction fee

Starwood Preferred Guest® Credit Card from American Express
See Rates & Fees
Rewards summary 2X Starpoints® at SPG® & Marriott Rewards® hotels; 1X Starpoints for other purchases Terms apply
Foreign transaction fees $0

Signup bonus 25,000 Starpoints®
Annual Fee $95 (Waived first year)
Featured perk Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries.
Highlights Provided by American Express Show Highlights
  • Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Planning a road trip? Rent your car, fill up your tank, book your hotel, and pay for it with your American Express® Card.
  • Terms Apply.
  • See Rates & Fees
  • Issuer: American Express
  • Sign Up Bonus: Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Annual Fee: $0 for the first year, then $95 See Details
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 16.24% - 20.24% Variable See Rates & Fees
  • Penalty APR: 29.99% Variable

Our two cents

Who should get it

It’s in the name: If you’re a preferred guest of Starwood Hotels & Resorts, or you’d like to be, then the Starwood Preferred Guest® Credit Card from American Express is a fantastic card to have. You might patronize Starwood Hotels more often than you think — Marriott International recently acquired Starwood, forming one of the largest global hotel companies. So if you travel often for business or pleasure, this is a pretty handy card to have.

How to use it
  • Use this card often. Members earn 1 Starpoint® for everyday purchases, redeemable at over 1,300 participating hotels and resorts, located in 100 countries (a number that’s likely to grow).
  • You’ll earn 2 Starpoints® for each dollar of purchases made at participating Starwood® and Marriott Rewards® hotels, so use it whenever you travel.
  • Earn points while you fly: Members can redeem points for frequent-flyer miles on over 150 airlines.
  • Don’t just sign up for the card. If you become a Starwood Preferred Guest (SPG), you’ll gain access to a ton of additional benefits! Use Uber? As an SPG member, you can earn 1 Starpoint® per every $2 spent with Uber at home, and per every $1 spent while travelling.
Consider this

Benefits aren’t necessarily flexible. Starpoints® are only redeemable at SPG hotels, and only transfer at a 1:1 ratio for certain airlines. If you’re looking for a wider variety of airline redemption options, consider the Discover it® Miles card.

Why you'll love it

The loyalty-based rewards of the Starwood Preferred Guest® Credit Card from American Express make it the top hotel card on our list. For cardholders who also favor certain airlines, the ability to transfer Starpoints® to participating frequent flyer programs is another potential benefit. If you make SPG® and Marriott Rewards® properties your home away from home when you travel, you’ll find a lot to like about the Starwood Preferred Guest® Credit Card from American Express.

Start your application now

Best international card with first year rewards matching

Discover it® - Cashback Match™
Rewards summary 5% cash back at Amazon.com and Target.
Foreign transaction fees $0

Signup bonus First-year Cashback Match™
Annual Fee $0
Featured perk Use your rewards instantly at Amazon.com checkout.
Highlights Provided by Discover Show Highlights
Card Highlights Provided by Discover:
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • Issuer: Discover
  • Rewards Details: 1% cash back on all other purchases. 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.99% Variable
  • Introductory APR: 0%
  • Introductory APR Period: 14 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 14 months
  • Ongoing APR: 11.99% - 23.99% Variable

Our two cents

Who should get it

Do you like cash? If so, this is the card for you. Discover it® Cashback Match™ card puts money right back in your pocket. It’s the perfect choice for anyone looking to save up for a big vacation with every purchase. Cardmembers earn 1% cashback on regular purchases, and 5% cashback on purchases made at Amazon.com and Target now through December 2017. Plus, 1% cash back on all other purchases. With no foreign transaction fees, members will be able to save at home and spend abroad.

How to use it
  • Use this card for everything. From groceries, to movies, to travel, you’ll receive 1% cashback on all purchases.
  • Maximize your rewards during your first year. Discover’s Cashback Match™ program gives members a dollar-for-dollar match of all the rewards they’ve earned after one year of membership.
  • Take your time. Rewards never expire.
Consider this

There’s nothing more flexible than cash, but members only earn 1% back on the majority of their purchases. So if you spend $100, you’ll earn $1 back.

Why you'll love it

Although not strictly a travel rewards card, the $0 foreign transaction fee does make the Discover it® Cashback Match™ useful for shopping overseas or making international purchases online. This card is a good fit for someone who’s planning a special overseas vacation but doesn’t plan on becoming a frequent traveler in need of airline or hotel rewards for future trips. Overall, the signature Cashback Match™ feature, unique to the select Discover cards, makes this card a useful option regardless of your travel frequency.

Start your application now

Best no annual fee international credit card

Discover it® Miles
Rewards summary 1.5X Miles on every purchase
Foreign transaction fees $0

Signup bonus First-year mile-for-mile match
Annual Fee $0
Featured perk Redeem miles as a travel statement credit for airline tickets, hotel rooms, online travel sites, and more.
Highlights Provided by Discover Show Highlights
Card Highlights Provided by Discover:
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
  • Issuer: Discover
  • Rewards Details: 1.5 Miles per dollar on all purchases.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.99% Variable
  • Introductory APR: 0%
  • Introductory APR Period: 14 months
  • Introductory Balance Transfer APR: 10.99%
  • Introductory Balance Transfer Period: 14 months
  • Ongoing APR: 11.99% - 23.99% Variable

Our two cents

Who should get it

If you’re looking to bank travel rewards with no annual fee, then the Discover it® Miles card should be your top pick. Members earn 1.5x Miles per dollar on every purchase, with no annual fee to reduce the rewards they earn. You’ll be able to earn miles simply by buying coffee in the morning. Or shopping. Or traveling. And Discover will double all the miles earned at the end of your first year of membership!

How to use it
  • Each purchase earns 1.5X miles per dollar spent, and there’s no limit. So if you’re trying to save money on expensive airfare, use the card for everyday expenses. They’ll add up.
  • Everybody’s got a dream vacation, and with the Discover it® Miles card, you can actually make it happen. Discover will automatically match all miles earned at the end of your first year, seriously reducing transportation costs.
  • Don’t worry about when or where you want to travel. Rewards come without blackout dates. You’ll be able to fly any airline, to any location. That’s because rewards are redeemable for a travel statement credit, so you can book however you’d like.
Consider this

While the Discover it® Miles is one of the most user-friendly miles-based cards on the market today, there’s not a whole lot of wiggle room when it comes to redemption. Members can redeem miles as statement credits towards travel-related purchases: Lodging, train tickets, etc. But miles can’t be transferred towards frequent flyer programs. If transferring miles to airlines is important to you, we recommend the Starwood Preferred Guest® Credit Card from American Express.

Why you'll love it

If you’re an independent, pay-as-you-go type of traveler who likes flexibility, consider packing the Discover it® Miles for your next trip. You can redeem your rewards for a statement credit towards travel purchases after you get home instead of committing to a particular airline or hotel brand months in advance. At the end of your first year, you can also look forward to Discover matching the rewards you’ve earned mile for mile.

Start your application now

Here are the best no foreign transaction fee credit cards for 2017:

Recommended Card Best For...
Chase Sapphire Preferred® Card All-Around International Credit Card Apply Now
Starwood Preferred Guest® Credit Card from American Express Hotel Card With No Foreign Transaction Fee Apply Now
Discover it® - Cashback Match™ International Card With First Year Rewards Matching Apply Now
Discover it® Miles No Annual Fee International Credit Card Apply Now

Are credit cards international?

While most credit cards can be used internationally, not all of them are created equal. Your goal should be find the right international credit card for you that does not charge a foreign transaction fee. While a 1% to 3% foreign transaction fee may not seem like a lot, it can start to add up. If two people spent $2,500 on transportation, hotel, and dining while abroad, they’d be looking at $25 to $75 just in fees.

Which credit card is best for international travel?

The best international credit card is the one that fits your travel needs, but ideally it would have no foreign transaction fees, a low annual fee, and the opportunity to earn substantial rewards toward your travel.

How to find your ideal travel credit card

After reviewing the best international credit cards on our list, you may find that one stands out to you based on your travel goals. For instance, if your goal is to earn as many points as possible, you may consider the Discover it® Cashback Match™ for the opportunity to earn matching rewards at the end of the first year. Or, if the hotel accommodations are important when you travel, you may consider the Starwood Preferred Guest® Credit Card from American Express, which allows you to earn and use points at more than 1,300 participating hotels in 100 countries.

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