Rewards, No Annual Fee, Daily use
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Best Credit Cards with No Foreign Transaction Fees of November 2022

Compare 273 credit cards for no foreign transaction fees on Myfin.us.

By Myfin Team
Reviewed by Anastasia Staples
Updated November 29, 2022

Best Credit Cards for No Foreign Transaction Fee in November 2022

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Capital One VentureOne Rewards Credit Card best for Rewards, No Annual Fee, Daily use

VentureOne Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.72
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 1.25x Miles per dollar on all purchases.
  • Intro Offer:
    • 20,000x Bonus miles once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open, 17.99% - 27.99% variable APR after that
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    This one is the no-annual-fee version of the Capital One Venture Rewards. Therefore, it comes with slightly downgraded features, but nonetheless, it's still a great card.

    Besides 5x miles on hotels and rental cars booked through Capital One Travel, you’ll earn 1.25x miles on every purchase. The welcome offer for new cardmembers is 20,000 bonus miles once you spend $500 on purchases within the first three months. You can easily redeem the miles as a statement credit.

    The card comes with a 15-month 0% APR offer on balance transfers and purchases followed by a regular APR of 17.99% - 27.99%, based on your creditworthiness.

    Other card benefits are travel accident insurance, access to Capital One Lounge and Capital One Experiences, 24/7 customer service, and many more.

  • Pros:
    • Decent rewards program: Get 1.25x miles on all purchases and 5x miles on hotels and rental cars booked with Capital One Travel, plus a sign-up bonus of 20,000 miles when you spend $500 in the first three months.
    • 0% APR offer: 15-month interest-free period on balance transfers and purchases (variable APR of 17.99% - 27.99% thereafter).
    • No annual fee: Another fee you won’t have to worry about with this card.
  • Cons:
    • Poor list of partners: You won't find many familiar domestic airlines and hotels on the card's partners list.
  • Benefits:
    • 20,000 bonus miles (once you spend $500 on purchases within the first 3 months from account opening);
    • 5x miles on hotels and car rentals;
    • 1.25x miles per dollar on every purchase;
    • $0 Fraud Liability;
    • The Eno assistant;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Emergency Card Replacement;
    • 24/7 Customer Service;
    • Premier Culinary Experiences;
    • Must-See Music Events;
    • Big-time Sports Events.
View all VentureOne Rewards details
Apply now
On Capital One‘s site
Card detail

Capital One SavorOne Cash Rewards Credit Card best for Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use

SavorOne Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.36
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One SavorOne Cash Rewards combines three popular spending categories rarely found together – dining, entertainment, and purchases at grocery stores. Cardholders will get an unlimited 3% cash back rate at restaurants, grocery stores, entertainment (movie theaters, amusement parks, tourist attractions, and more), and select streaming subscriptions (including Netflix, Hulu, and Disney+). All other purchases earn 1% cash back.

    Currently, there is also a great offer of 8% cash back at VividSeats.

    Another nice offer that comes with the card is the $200 intro bonus which you can get by spending $500 within the first three months of card membership.

    This no-annual-fee credit card has many well-known Capital One benefits, including extended warranty, travel accident insurance, complimentary concierge services, and much more.

    Another noteworthy feature is the long 15-month period with 0% APR on purchases and balance transfers (17.99% - 27.99% variable APR thereafter).

  • Pros:
    • Excellent rewards in everyday spending categories: An unlimited 3% cash back rate at restaurants, grocery stores, entertainment, and select streaming subscriptions (including Netflix, Hulu, and Disney+), plus 1% cash back on everything else.
    • Generous welcome offer: A bountiful $200 bonus is available with a relatively low spending requirement of $500 in the first three months.
    • No annual fee: For a card with such a great rewards program, it's a surprise it comes at no annual cost.
    • Intro APR offer: 0% interest on balance transfers and purchases during the first 15 months (17.99% - 27.99% variable APR thereafter).
  • Cons:
    • Excellent credit score needed: Excellent credit is recommended for those who want a good chance of getting approved for this card.
  • Benefits:
    • $200 cash bonus (once you spend $500 on purchases within the first 3 months from account opening);
    • 1% Cash Back on all other purchases;
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
View all SavorOne details
Apply now
On Capital One‘s site
Card detail

Capital One Venture X Rewards Credit Card best for Car rental

Venture X Rewards Capital One
Annual fee:
$395 annually
Regular APR:
19.99% - 26.99% Variable
Our Rating:
3.6
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 10,000x 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
    • 10x Miles on hotels & rental cars booked through Capital One Travel.
    • 5x Miles on flights booked through Capital One Travel.
    • 2x Miles on all other purchases.
  • Intro Offer:
    • 75,000x Bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
  • Balance Transfer APR:
    19.99% - 26.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Venture X Rewards Credit Card offers a welcome bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

    Earn 10x Miles on hotels and rental cars (booked through Capital One Travel), 5x Miles on flights (booked through Capital One Travel), 2x Miles per dollar on every purchase.

    The Capital One Venture X Rewards Credit Card charges an annual fee of $395. The APR for purchases and balance transfers is 19.99% - 26.99% (Variable). The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    Refer your friends and family to apply for a Venture X card and earn up to 100,000 bonus miles when they’re approved.

  • Pros:
    • No Foreign Transaction Fee
    • Welcome offer
    • Miles don't expire
  • Cons:
    • Annual Fee
  • Benefits:
    • 10,000 Miles (Anniversary Bonus);
    • 10x Miles on hotels & rental cars (booked through Capital One Travel);
    • 5x Miles on flights (booked through Capital One Travel);
    • 2x Miles on all other purchases;
    • $300 Annual Travel Credit;
    • $200 Vacation Rental Credit;
    • Capital One Lounge;
    • Priority Pass™;
    • Global Entry & TSA PreCheck®;
    • Cell Phone Protection;
    • Hertz President’s Circle® status;
    • Free Additional Cardholders.
View all Venture X Rewards details
Apply now
On Capital One‘s site
Card detail

Capital One Venture Rewards Credit Card best for Travel, Daily use

Venture Rewards Capital One
Annual fee:
$95 annually
Regular APR:
18.99% - 26.99% Variable
Our Rating:
3.52
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on all purchases.
  • Intro Offer:
    • 75,000x Bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
  • Balance Transfer APR:
    18.99% - 26.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Venture Rewards credit card is one of the simplest travel cards on the market, offering easy earning and redemption of rewards. For an annual fee of $95, you’ll earn an unlimited 2x miles on every purchase and 5x miles on hotels and rental cars booked through Capital One Travel.

    The welcome offer for new cardholders is 75,000 bonus miles after you spend $4,000 within the first three months. The miles can be redeemed for trips booked with Capital One Travel, reimbursed for previous travel purchases, transferred to one of the 15+ travel loyalty programs, and for payments with PayPal and on Amazon.com.

    Cardholders will also enjoy travel benefits like two free annual visits to the Capital One Lounge, up to $100 in Global Entry or TSA PreCheck credits every four years, 24/7 travel assistance, travel accident insurance, and access to Premium Experiences (VIP tickets, five-star meals, and more).

    The APR for balance transfers and purchases can be 18.99% - 26.99%, based on your creditworthiness.

  • Pros:
    • A great unlimited rewards rate: Earn 2x miles on all purchases plus 5x miles on hotels and rental cars booked with Capital One Travel.
    • Generous welcome offer: After spending $4,000 in the first three months, you'll get 75,000 bonus miles.
    • Flexible redemption options: You'll have various choices for redeeming rewards, including reimbursing for previous trips and transferring to loyalty programs.
  • Cons:
    • Annual fee: This card comes with a $95 annual fee.
  • Benefits:
    • 75,000 bonus miles (when you spend $4,000 on purchases in the first 3 months from account opening);
    • 5x miles on hotels and car rentals;
    • 2x miles on all purchases;
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • The Eno assistant;
    • 24-Hour Travel Assistance Services;
    • Global Entry or TSA Precheck Credit;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Premier Culinary Experiences;
    • Big-time Sports Events;
    • Must-See Music Events.
View all Venture Rewards details
Apply now
On Capital One‘s site
Card detail

Capital One Walmart Rewards® Mastercard® best for Walmart purchases

Capital One Walmart Rewards®
Annual fee:
$0
Regular APR:
17.99% - 27.74% Variable
Our Rating:
4.12
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 5% Cash Back at Walmart.com, including pickup and delivery.
    • 2% Cash Back in Walmart stores, at restaurants and on travel.
    • 1% Everywhere else Mastercard® is accepted.
  • Intro Offer:
    • 5% Cash Back in Walmart stores for the first 12 months after approval when you use your Card with Walmart Pay.
  • Balance Transfer APR:
    17.99% - 27.74% Variable
  • Issuer name:
    Capital One
  • Details:

    The Walmart Rewards® is a card for people who regularly shop at Walmart.

    The Card's APR: 17.99% – 27.74% (Variable). The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    The Walmart Rewards® Card earns 5% Cash Back on in-store purchases for the first 12 months when using Walmart Pay. The card offers 5% Cash Back at Walmart.com, including pickup & delivery; 2% Cash Back in Walmart stores, at restaurants and on travel; 1% Cash Back everywhere else Mastercard is accepted.

    The Walmart Rewards® Card charges no annual fee and no foreign transaction fee.

  • Pros:
    • No annual fee
    • No foreign transaction fee
  • Cons:
    • No 0% intro APR period
  • Benefits:
    • 5% Cash Back in Walmart stores (for the first 12 months);
    • 5% Cash Back at Walmart.com;
    • 2% Cash Back in Walmart stores, at restaurants and on travel;
    • 1% Cash Back on all other purchases;
    • $0 Fraud Liability.
View all Walmart Rewards® details
Apply now
On Capital One‘s site
Card detail

Capital One Platinum Credit Card best for Without SSN

Platinum Mastercard Capital One
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
2.91
scorer
Credit score
Fair (580-669)
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    Get the credit you need with Platinum Mastercard® from Capital One.

    Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One.

    You're also covered by $0 Fraud Liability if your card is ever lost or stolen.

  • Pros:
    • Chance to get a higher credit limit
    • No annual fee
    • No foreign transaction fees
    • Platinum Mastercard benefits
    • No Penalty APR for late payments
    • Get approval with a fair credit score
  • Cons:
    • High Regular APR
    • No rewards
    • No sign-up bonus
    • You don’t get to enjoy a reduced introductory rate
  • Benefits:
    • No Foreign Transaction Fees;
    • $0 Fraud Liability;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Autopay;
    • 24/7 Customer Service.
View all Platinum Mastercard details
Apply now
On Capital One‘s site
Card detail

Capital One Quicksilver Cash Rewards Credit Card best for Cash Back, No Annual Fee, Daily use

Quicksilver Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.58
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $200 Cash Bonus once you spend $500 on purchases within 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open, 17.99% - 27.99% variable APR after that
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Quicksilver Cash Rewards is another great, laidback, straightforward credit card. With this card, you'll get an unlimited 1.5% cash back on every purchase. There’s also a sign-up bonus of $200 (once you spend $500 on purchases within the first 3 months), which has a relatively low spending requirement of $500 during the first three months.

    Besides statement credits, rewards can also be redeemed on Amazon.com for PayPal payments, gift cards, and more.

    Capital One is known for a long list of great standard credit card benefits, which are also present with this card. Cardholders will get perks like an extended warranty, complimentary concierge service, and access to Capital One Premium Experiences.

    We should also mention that there’s no annual fee and a great 15-month 0% APR offer on both balance transfers and purchases (17.99% - 27.99% variable APR thereafter).

  • Pros:
    • Solid flat-rate cash back rewards: Earn 1.5% cash back on all purchases.
    • Generous welcome bonus: By spending only $500 in the first three months, you’ll qualify for a $200 sign-up bonus.
    • Great list of benefits: Enjoy the different types of benefits that come with the card.
    • No annual fee: So many great features that come at a $0 cost.
  • Cons:
    • Relatively high regular APR: The APR can get as high as 27.99% based on your creditworthiness.
  • Benefits:
    • $200 Cash Bonus (once you spend $500 on purchases within 3 months from account opening);
    • Unlimited 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Complimentary Concierge Service;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services;
    • Capital One Shopping;
    • Shop With Your Rewards.
View all Quicksilver details
Apply now
On Capital One‘s site
Card detail

Capital One QuicksilverOne Cash Rewards Credit Card best for Fair credit

QuicksilverOne Capital One
Annual fee:
$39 annually
Regular APR:
28.49% Variable
Our Rating:
3.64
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The QuicksilverOne Credit Card from Capital One gives you 1.5% Cash Back on every purchase. The Card has an annual fee of $39.

    The QuicksilverOne Card has an APR of 28.49% Variable.

  • Pros:
    • Unlimited high rewards rate
    • Average credit score required
    • Automatically considered for a higher credit line after 6 months
    • No foreign transaction fees
  • Cons:
    • Annual fee
    • High APR
    • No bonus rewards categories
  • Benefits:
    • 1.5% Cash Back;
    • No Foreign Transaction Fees;
    • Autopay;
    • $0 Fraud Liability;
    • Card Lock;
    • ATM Location Services.
View all QuicksilverOne details
Apply now
On Capital One‘s site
Card detail

Capital One Quicksilver Student Cash Rewards Credit Card best for International students

Quicksilver Student Cash Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.52
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $100 Cash bonus once you spend $100 on purchases within 3 months from account opening.
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Quicksilver Student Cash Rewards Credit Card is a good option for earning Cash Back on general spending. The Card earns 1.5% Cash Back on every purchase.

    The Capital One Quicksilver Student Cash Rewards Credit Card has a high interest rate of 17.99% - 27.99% (variable APR). The Card has no annual fee and no foreign transaction fees. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
    • No 0% intro APR offer
  • Benefits:
    • $100 bonus (once you spend $100 on purchases within 3 months from account opening);
    • 1.5% Cash Back on every purchase;
    • Fraud Liability;
    • Extended Warranty;
    • Travel Accident Insurance;
    • Capital One Shopping;
    • Complimentary Concierge Service;
    • 24-hour Travel Assistance Services.
View all Quicksilver Student Cash Rewards details
Apply now
On Capital One‘s site
Card detail

Journey Student Rewards from Capital One best for Without SSN

Capital One Journey Student
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
3.79
scorer
Credit score
Fair (580-669)
  • Rewards Rate:
    • 1% Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    Build credit history with Journey Student Credit Card. Earn 1% Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.

    The Journey Student Card has no annual fee or foreign transaction fees. The Card's APR: 28.49% Variable.

  • Pros:
    • Rewards program with bonus points
    • No annual fee
    • Automatic credit limit increase reviews
    • No foreign transaction fees
    • Reports to three major credit bureaus
  • Cons:
    • High APR
    • No bonus categories
  • Benefits:
    • 1% Cash Back on every purchase;
    • 1.25% extra Cash Back;
    • No Foreign Transaction Fees;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Travel rewards cards;
    • Fraud Coverage.
View all Journey Student Credit Card details
Apply now
On Capital One‘s site
Card detail

Upgrade Cash Rewards Visa® best for Good credit score

Upgrade Cash Rewards Visa®
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.35
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions. *
  • Details:

    The Upgrade Cash Rewards Visa® offers 1.5% Cash Back on payments.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • No Annual fee
    • No extra fees
  • Cons:
    • No Intro APR reriod
  • Benefits:
    • $200 bonus;
    • 1.5% Cash Back;
    • Сontactless card technology.

    *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail

Capital One SavorOne Student Cash Rewards Credit Card best for International students

SavorOne Student Cash Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.96
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 3% Cash Back on dining, entertainment, popular streaming services & at grocery stores (excluding superstores like Walmart® and Target®).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $100 Cash bonus once you spend $100 on purchases within 3 months from account opening.
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The SavorOne Student Cash Rewards Credit Card earns 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.

    The SavorOne Student Cash Rewards Credit Card has a high interest rate of 17.99% - 27.99% (variable APR).

    The Card has no annual fee and no foreign transaction fees.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
    • No 0% intro APR offer
  • Benefits:
    • $100 Cash bonus (once you spend $100 on purchases within 3 months from account opening);
    • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®);
    • 1% Cash Back on all other purchases;
    • Fraud Liability;
    • Extended Warranty;
    • Travel Accident Insurance;
    • Complimentary Concierge Service;
    • 24-hour Travel Assistance Services.
View all SavorOne Student Cash Rewards details
Apply now
On Capital One‘s site
Card detail

Capital One Platinum Secured Credit Card best for Single mom, Without SSN

Secured Mastercard® Capital One
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
2.44
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The Secured Mastercard® from Capital One is for people who want to improve their credit scores. The Card has no annual fee. It requires a security deposit when you’re approved.

    The card's APR is 28.49% (Variable).

    You’ll get access to CreditWise® from Capital One, which will automatically alert you to changes on your TransUnion or Experian credit reports.

    The Secured Mastercard from Capital One comes with a surprising number of travel perks, including no foreign transaction fees, travel accident insurance, 24-hour travel assistance services and secondary auto rental coverage.

    Cardholders will also receive extended warranty coverage for items purchased that already come with a manufacturer’s warranty.

  • Pros:
    • Low initial deposit amount of $49, $99, or $200
    • You can increase the credit line up to $1000
    • No annual fee
    • Automatic credit line reviews
    • Credit building
  • Cons:
    • High APR
    • Low credit limit
    • No rewards program
  • Benefits:
    • $0 Fraud Liability;
    • Refundable Deposit;
    • Capital One CreditWise;
    • Eno®, your Capital One assistant;
    • Virtual Card Numbers from Eno;
    • Emergency Card Replacement;
    • ATM Location Services;
    • MasterRental Coverage;
    • 24/7 Customer Service.
View all Platinum Secured Mastercard® details
Apply now
On Capital One‘s site
Card detail
Upgrade Triple Cash Rewards Visa® Upgrade
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
3.53
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3% Cash Back on Home, Auto and Health categories.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening). *
  • Details:

    The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Apply online and get a credit line from $500 to $25,000 with your Card.

    Read full review

  • Pros:
    • Every Purchase Earns You Cash Back
    • Increased Cash Back for Three Categories
    • Forget About Fees
    • No Limits Abroad
  • Cons:
    • You Can’t Withdraw Cash
    • Cash Back Doesn’t Satisfy Your Monthly Payments
  • Benefits:
    • $200 bonus;
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.

    *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Triple Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail

WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

Petal® 2 “Cash Back, No Fees” Visa® WebBank
Annual fee:
$0
Regular APR:
15.99% - 29.99% Variable
Our Rating:
3.8
scorer
Credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • 1% - 1.5%:
    • Cash Back after making 12 on-time monthly payments.
    • 2% - 10%:
    • Cash Back from select merchants.
  • Issuer name:
    WebBank
  • Details:

    The Petal 2 Card has no fees of any kind and is designed to help you build credit.

    The credit limit is from $500 - $10,000.

    Grow your credit score with responsible spending and on-time payments.

    Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

    Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

    Read full review

  • Pros:
    • No annual fee
    • No returned payment fee
    • No foreign transaction fee
    • You can apply even if you have no credit history
    • No late fees
  • Cons:
    • No signup bonus
    • Cash advances are not permitted
    • Those who filed for bankruptcy may be rejected
    • Balance transfers are not allowed
    • No intro APR offer
  • Benefits:
    • No foreign transaction fee;
    • Petal 2 reports to all 3 major credit bureaus;
    • Qualify with average credit.
View all Petal® 2 “Cash Back, No Fees” Visa® details
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On WebBank‘s site
Card detail

Celtic Bank Deserve EDU best for Cash Back, Without SSN, Student

Deserve EDU Celtic Bank
Annual fee:
$0
Regular APR:
22.49% Variable
Our Rating:
3.5
scorer
Credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
  • Issuer name:
    Celtic Bank
  • Details:

    The Deserve EDU Card makes it easy for students to start building credit.

    The Card's APR is 22.49% (Variable APR). The late payment is up to $25, while the returned payment is up to $37. Balance transfers and cash advances are not available.

    Students who make purchases totaling $500 within the first three statement cycles of card membership qualify to have their Amazon Prime Student subscription reimbursed (a $59 value).

    Students spend a significant amount on school supplies, textbooks and gear each year, and the Deserve EDU Mastercard can earn Cash Back on all of these purchases.

    Read full review

  • Pros:
    • No prior credit history required
    • No SSN Required
    • No Annual Fee
    • No
    • Transactions Fees
    • No Co-Signer/ Deposit Required
  • Cons:
    • Relatively High APR
    • Fairly Low Rewards
    • Only for Students
  • Benefits:
    • Cellphone Protection;
    • Collision Damage Waiver;
    • Concierge Service;
    • No International Transaction Fees;
    • Priority Pass™ Membership;
    • Mastercard Benefits;
    • No Social Security Number required for international students to apply.
View all Deserve EDU details
Apply now
On Celtic Bank‘s site
Card detail

WebBank Petal® 1 "No Annual Fee" Visa® best for For bad credit

Petal® 1 "No Annual Fee" Visa® WebBank
Annual fee:
$0
Regular APR:
22.99% - 32.49% Variable
Our Rating:
4.34
scorer
Credit score
No Credit History to Good (0-739)
  • Rewards Rate:
    • 2% - 10%:
    • Cash Back at select merchants.
  • Issuer name:
    WebBank
  • Details:

    The Petal® 1 "No Annual Fee" Visa® Card earns 2% - 10% Cash Back from select merchants.

    The Petal® 1 Card has no annual fee. The card's APR for purchases: 22.99% to 32.49% (Variable).

    The Petal® 1 "No Annual Fee" Visa® Card does not charge an annual fee or fee for foreign transactions.

    Read full review

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No welcome bonus
    • No intro APR period
  • Benefits:
    • 2 - 10% Cash Back;
    • Zero liability fraud protection;
    • $300 - $5,000 credit limits.
View all Petal® 1 "No Annual Fee" Visa® details
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On WebBank‘s site
Card detail
Upgrade Bitcoin Rewards Sutton Bank
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.2
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back in bitcoin when you make payments.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions.
  • Issuer name:
    Sutton Bank
  • Details:

    The Upgrade Bitcoin Rewards Visa® Credit Card earns 1.5% Cash Back in the form of bitcoin when you make your monthly payments. Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The Upgrade Bitcoin Rewards Visa® Credit Card has no annual fee. The Card's APR: 14.99% - 29.99% (Regular).

    Read full review

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • The Card cannot be used at an ATM
  • Benefits:
    • $200 bonus;
    • 1.5% back in bitcoin when you make payments;
    • Credit lines from $500 to $25,000;
    • Affordable monthly payments with no annual fee.

    *To qualify for the $200 bitcoin welcome bonus, you must open and fund a new Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The value of the $200 bonus will be based on the value of bitcoin at the time it is purchased (within 1 - 2 statement periods from the date the bonus is earned) and may change in price by the time you choose to sell it Refer to Program Terms. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Bitcoin Rewards details
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On Sutton Bank‘s site
Card detail
The Owner’s Rewards Card by M1 Celtic Bank
Annual fee:
$0 annually (for active M1 Plus customers)
$95 annually
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.91
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
    • 1.5% Cash Back on everything else.
  • Issuer name:
    Celtic Bank
  • Details:

    The Owner’s Rewards Card by M1 earns up to 10% Cash Back on purchases with eligible brands. All other spending earns 1.5% Cash Back.

    Spend $4,000 with your new Owner’s Rewards credit card in the first 90 days and earn a $300 statement credit.

    The Owner’s Rewards Card by M1 comes with a $95 annual fee (the fee is waived for Plus members).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
  • Cons:
    • No Intro APR period
    • $95 annual fee (for non-plus members)
  • Benefits:
    • Up to 10% Cash Back on purchases with eligible brands;
    • 1.5% Cash Back on everything else;
    • Visa® Zero Liability.
View all The Owner’s Rewards Card by M1 details
Apply now
On Celtic Bank‘s site
Card detail

Capital One Spark Miles for Business best for Walmart purchases

Capital One Spark® Miles
Annual fee:
$0 intro for the first year
$95 thereafter
Regular APR:
23.99% Variable
Our Rating:
4.26
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on every purchase for your business with no blackouts or seat restrictions and no minimum to redeem.
  • Intro Offer:
    • 50,000x Earn a one-time bonus once you spend $4,500 on purchases within the first 3 months of account opening.
  • Balance Transfer APR:
    23.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Spark® Miles for Business Credit Card has an annual fee of $0 (intro for the first year), then $95. The Card offers 2x miles on every purchase for your business and 5x miles on hotels and car rentals.

    The Card's APR for both purchases and transfers is 23.99%.

    The Capital One Spark® Miles for Business Card offers 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.

    Use your miles on flights, hotels, vacation packages and more-you can even transfer miles to any of 15+ travel partners.

  • Pros:
    • Attractive sign-up bonus
    • No foreign transaction fees
  • Cons:
    • No 0% APR period
    • Annual fee after the first year
  • Benefits:
    • 50,000 bonus miles ( once you spend $4,500 on purchases within the first 3 months of account opening);
    • 5x miles on hotels and car rentals;
    • 2x miles on all purchases;
    • $0 Fraud Liability;
    • $100 Travel Credit;
    • Capital One Lounge.
View all Spark® Miles details
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On Capital One‘s site
Card detail
Capital One® Spark Cash Plus
Annual fee:
$150 annually
Regular APR:
None *
Our Rating:
3.62
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 2% Cash Back for your business on every purchase.
  • Intro Offer:
    • $1,000 Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.
  • Purchase Intro APR:
    None *
  • Balance Transfer APR:
    None *
  • Issuer name:
    Capital One
  • Details:

    The Capital One® Spark Cash Plus Credit Card earns 5% Cash Back on hotels and rental cars booked through Capital One Travel and 2% Cash Back on every purchase.

    The Card has no APR because your balance is due in full every month.

    Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.

    The Card's annual fee is $150.

  • Pros:
    • No foreign transaction fees
  • Cons:
    • Annual Fee
  • Benefits:
    • Up to $1,000 in the first 6 months;
    • $200 cash bonus every year you spend $200,000 or more;
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
    • 2% Cash Back on every purchase;
    • Roadside Assistance;
    • Free Employee Cards;
    • Extended Warranty;
    • $0 Fraud Liability.
View all Spark Cash Plus details
Apply now
On Capital One‘s site
Card detail
Capital One® Spark® Cash Select
Annual fee:
$0
Regular APR:
16.24% - 22.24% Variable
Our Rating:
5
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions.
  • Intro Offer:
    • $500 Cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
  • Balance Transfer APR:
    16.24% - 22.24% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One® Spark® Cash Select Credit Card earns a $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening. The Card offers 5% Cash Back on hotels and rental cars booked through Capital One Travel, 1.5% Cash Back for your business on every purchase.

    The Spark® Cash Select Card doesn't charge an annual fee.

    The card's APR is 16.24% - 22.24%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
  • Benefits:
    • $500 cash bonus (once you spend $4,500 on purchases within the first 3 months from account opening);
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
    • 1.5% Cash Back for your business on every purchase;
    • $0 Fraud Liability;
    • Free Employee Cards;
    • Roadside Assistance.
View all Spark® Cash Select details
Apply now
On Capital One‘s site
Card detail

Chase Sapphire Preferred® best for Travel, Restaurants, Daily use

Chase Sapphire Preferred®
Annual fee:
$95 annually
Regular APR:
18.24% - 25.24% Variable
Our Rating:
4.4
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
    • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
    • 3x Points on dining, including eligible delivery services, takeout and dining out.
    • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
    • 3x Points on select streaming services.
    • 2x Points on other travel purchases.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 60,000x Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
  • Balance Transfer APR:
    18.24% - 25.24% Variable
  • Issuer name:
    Chase
  • Details:

    If you’re familiar with travel credit cards, you must have heard of the Chase Sapphire Preferred® card. It comes with an excellent rewards program that extends beyond travel. Rewards include 5x points on travel purchases made through Chase Ultimate Rewards and 2x points on other travel purchases, 3x points on dining, select streaming services, and online grocery store purchases, and 1x points on everything else.

    On top of that, there’s a 60,000-point welcome bonus if you spend $4,000 in the first three months of card membership. The bonus could be worth $750 if redeemed through Chase Travel.

    The card offers a few ways to earn extra points as well. For instance, you can refer friends and get 15,000 bonus points for each friend that gets approved (up to 75,000 points annually).

    Additionally, on each account anniversary, you'll get 10% of the purchases made the previous year (for example, if you've spent $50,000, you'll get 5,000 points). This way, the points can quickly pile up, and with their good redemption value, you're in for a lucrative deal.

    Other card benefits include travel and purchase coverage, My Chase Plan, which lets you break up purchases of $100 into monthly payments for a fixed monthly fee, and partner benefits with DoorDash, Peloton, and Lyft.

    All this will cost you a $95 annual fee, and the card has a 18.24% - 25.24% variable APR.

  • Pros:
    • Great rewards program: 5x points on travel purchases made through Chase Ultimate Rewards and 2x points on other travel purchases, 3x points on dining, select streaming services, and online grocery store purchases, plus a 60,000-point sign-up bonus when you spend $4,000 in the first three months.
    • Travel protection benefits: including trip cancellation insurance, baggage delay insurance, and emergency travel assistance.
    • Good value of points: 1 point is worth 1.25 cents when redeemed through Chase travel.
  • Cons:

    $95 annual fee: This card will cost you a $95 annual fee, which isn’t too much considering the benefits it comes with.

  • Benefits:
    • 60,000 Bonus Points;
    • $50 in statement credits;
    • 5x points on travel;
    • 3x points on dining;
    • 3x points on online grocery purchases;
    • 3x points on select streaming services;
    • 2x points on other travel purchases;
    • 25% more redemption value;
    • 1:1 Point Transfer;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Baggage Delay Insurance;
    • Travel and Emergency Assistance Services.
Card detail

Chase Sapphire Reserve® best for Travel, Restaurants, Daily use

Chase Sapphire Reserve® Chase
Annual fee:
$550 annually ($75 for each authorized user)
Regular APR:
19.24% - 26.24% Variable
Our Rating:
3.99
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
    • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
    • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 60,000x Bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.
  • Balance Transfer APR:
    19.24% - 26.24% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Sapphire Reserve® is an elite travel card that comes with a bunch of premium benefits, including a whopping $300 annual travel credit, complimentary lounge access (over 1800 VIP lounges), $100 Global Entry or TSA PreCheck fee credit every four years, and much more.

    The rewards program is divided into travel rewards (which begin once you spend the $300 annual credit) and dining rewards. For travel, you'll earn 10x points on hotels and rental cars and 5x points on flights if booked with Chase Ultimate Rewards, plus 3x points on all travel purchases worldwide. As for dining, you’ll get 10x points on Chase Dining Purchases and 3x points on all other dining purchases. Everything else will earn 1x points.

    The intro offer is 60,000 bonus points if you spend $4,000 within the first three months of card membership. The welcome bonus would be worth $900 if redeemed through Chase Ultimate Rewards. Note that, although there are several redemption options, redeeming through Chase Ultimate Rewards gives the best value for points.

    All of this comes at a hefty price in the form of a $550 annual fee.

  • Pros:
    • Premium travel perks: Cardholders will enjoy fancy perks like lounge access and benefits at the Luxury Hotel & Resort Collection.
    • Generous rewards program: Starting with a nice 60,000-point welcome bonus (after you spend $4,000 within the first three months) and great rewards rates.
    • Greater redemption value with Chase Ultimate Rewards: If you redeem your points through Chase Ultimate Rewards, you’ll get 50% more redemption value, meaning the value of points increases from 1 to 1.5 cents per point.
  • Cons:
    • High annual fee: The card comes with a costly $550 annual fee.
  • Benefits:
    • 60,000 bonus points;
    • 10x total points on hotels and car rentals;
    • 10x total points on Chase Dining purchases;
    • 5x total points on flights;
    • 3x points on other travel;
    • 3x points on other dining;
    • $300 Annual Travel Credit;
    • Zero liability protection;
    • 50% more redemption value;
    • Global Entry or TSA Pre✓® Fee Credit ;
    • Complimentary Airport Lounge Access;
    • The Luxury Hotel & Resort Collection;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Lost Luggage Reimbursement;
    • Emergency Evacuation & Transportation.
Card detail

American Express® Gold Card best for Cash Back

American Express® Gold Card
Annual fee:
$250 annually
Regular APR:
19.74% - 26.74% Variable
Our Rating:
3.13
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4x Points on dining at restaurants worldwide, plus takeout and delivery in the U.S.
    • 4x Points on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
    • 3x Points on flights.
    • 1x Points on other eligible purchases.
  • Intro Offer:
    • 60,000x Membership Rewards® Points after you spend $4,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Purchase Intro APR:
    0% Introductory APR for the first 6 months from the date of account opening
  • Issuer name:
    American Express®
  • Details:

    The American Express® Gold Card is one of the best credit cards for food purchases. It earns you 4x points when shopping at U.S. supermarkets and dining at restaurants (plus for takeout and deliver at U.S. restaurants). Another bonus category is flights booked directly with airlines or through AmexTravel, which earn you 3x Membership Rewards points. All other purchases earn 1x points.

    Additionally, once you spend $4,000 during the first six months, you'll get a 75,000-point welcome bonus.

    What makes this card stand out is its two annual credits: $120 dining credit (up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, Boxed, and other participating partners) and $120 Uber Cash to dine or ride ($10 in Uber Cash each month).

    Travel benefits include baggage insurance and car rental loss and damage insurance.

    The APR is 19.74% - 26.74% based on your creditworthiness, and be aware of the late and returned payment fees, which can be up to $40. The card also comes with a $250 annual fee.

  • Pros:
    • Generous rewards program: Earn 4x points at U.S. supermarkets and restaurants worldwide plus takeout and delivery in the U.S., 3x points on flights booked with airlines or AmexTravel, and 1x points on everything else.
    • Great welcome offer: An intro bonus of 75,000 points once you spend $4,000 in the first six months.
    • $240 in annual credits: a $120 dining credit and a $120 Uber Cash credit.
  • Cons:
    • High annual fee: The $250 annual fee might be pricey for some, but it can be almost offset with the annual credits.
  • Benefits:
    • Up to $120 Uber Cash to Dine or Ride;
    • $100 hotel credit with The Hotel Collection;
    • 60,000 Membership Rewards® Points;
    • 4x Membership Rewards® Points on dining at restaurants;
    • 4x Membership Rewards® Points on groceries at U.S. supermarkets;
    • 3x Membership Rewards® Points on flights;
    • 1x Membership Rewards® Points on all other purchases;
    • Additional Cards;
    • American Express Experiences;
    • Car Rental Loss and Damage Insurance;
    • Baggage Insurance Plan;
    • Global Assist® Hotline;
    • The Hotel Collection;
    • Terms Apply.
Card detail

Chase Marriott Bonvoy Bold® best for No Foreign Transaction Fee

Marriott Bonvoy Bold® Chase
Annual fee:
$0
Regular APR:
18.24% - 25.24% Variable
Our Rating:
3.88
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 14x Earn up to 14x total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®.
    • 2x Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains).
    • 1x Point for every $1 spent on all other purchases.
  • Intro Offer:
    • 30,000x Bonus points after you spend $1,000 on purchases in your first 3 months from account opening.
  • Balance Transfer APR:
    18.24% - 25.24% Variable
  • Issuer name:
    Chase
  • Details:

    This card earns cardholders rewards that go beyond those at the Marriott hotels. You’ll get up to 14x points at Marriott Bonvoy (3x points for Marriott purchases made with the card, up to 10x points for being a Marriott Bonvoy member, and up to 1x points from Marriott with Silver Elite Status, which comes as a benefit with the card). On top of that, you’ll get 2x points on all other travel purchases (from flights to taxis and trains), as well as 1x points for everything else.

    The offer for new cardmembers is 50,000 bonus points once they spend $1,000 in the first three months of card membership.

    Part of the card’s deal is 15 elite night credits which you’ll get each year and which qualifies you for the Marriott Silver Elite Status. Also, you won't have to pay an annual fee with this card. Purchases and balance transfers will accrue a variable APR of 18.24% - 25.24%.

  • Pros:
    • Decent rewards: Considering it’s a no-annual-fee hotel brand card, the rewards rates are pretty good – up to 14x points at Marriott Bonvoy, 2x points on other travel purchases, and 1x points for everything else. Plus, a 50,000-point bonus if you spend $1,000 in the first three months.
    • Marriott Silver Elite Status: The card offers 15 elite night credits annually that will automatically qualify you for the Silver Elite Status, which requires ten elite nights.
    • No annual fee: Hotel brand credit cards usually come with an annual cost, but not this one.
  • Cons:
    • Lacks premium benefits: As this is the only no-annual-fee card of the Marriott Brand, it doesn't offer perks like a complimentary one-night stay at a Marriott property.
  • Benefits:
    • 30,000 Bonus Points;
    • 40,000 Bonus Points (for each friend that gets approved for any participating card);
    • Up to 14x total points at Marriott;
    • 2x points on other travel purchases (from airfare to taxis and trains);
    • 1x points on all other purchases;
    • Baggage Delay Insurance;
    • Lost Luggage Reimbursement;
    • Trip Delay Reimbursement;
    • Visa Concierge;
    • Purchase Protection.
Card detail

Citi Premier® best for Travel

Premier® Citi
Annual fee:
$95 annually
Regular APR:
19.74% - 27.74% Variable
Our Rating:
3.94
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points per dollar on restaurant, supermarket, gas station, hotel and air travel purchases.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 80,000x Bonus Points after spending $4,000 in purchases with your card within the first 3 months of account opening. Redeemable for $800 in gift cards.
  • Balance Transfer APR:
    19.74% - 27.74% Variable
  • Issuer name:
    Citi
  • Details:

    The Citi Premier® is an excellent, versatile card that offers rewards in several popular bonus categories. It earns 3x points at restaurants, gas stations, supermarkets, flights, and hotels, plus 1x points for all other purchases. The sign-up bonus is 60,000 points for cardholders who spend $4,000 within the first three months, and its points can be easily redeemed for gift cards, travel rewards, or shopping online at Amazon.com and BestBuy.com. You can also transfer the points at an airline partner with a minimum transfer amount of 1,000 points.

    Other notable features are the card’s $100 annual hotel savings benefit (if you spend $500 and more on a single hotel stay) and Citi Entertainment, which offers access to thousands of tickets for all types of events and experiences.

    The annual cost for the card is $95, which is relatively low for a mid-tier travel card. The APR varies from 19.74% - 27.74%, based on your creditworthiness.

  • Pros:
    • Lucrative one-time offer: The 60,000 bonus points available once you spend $4,000 in the first three months can be worth up to $750 if redeemed through the ThankYou Travel Center for flights.
    • Solid rewards in everyday categories: Earn 3x points at restaurants, gas stations, supermarkets, flights, and hotels, plus 1x points for all other purchases.
  • Cons:
    • Annual fee: This card will cost you $95 per year.
    • High spending requirement for the bonus: The spending threshold to get the 60,000-point bonus is set at $4,000, and for some, it'll be hard to reach in only three months.
  • Benefits:
    • 80,000 Bonus Points;
    • 3x points on restaurant, supermarket, gas station, hotel and air travel purchases;
    • 1x points on all other purchases;
    • World Elite Mastercard perks;
    • Gift Cards;
    • Shop with Points;
    • Additional Cards;
    • Digital Wallets;
    • Citi Entertainment;
    • $100 Annual Hotel Savings Benefit;
    • Points Transfer.

Card detail

American Express® The Platinum Card® best for Young couples

The Platinum Card® American Express
Annual fee:
$695 annually
Regular APR:
19.74% - 26.74% Variable
Our Rating:
3.64
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Points on up to $500,000 spent on directly-booked airfare and flights (per calendar year).
    • 5x Points on prepaid hotels.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 100,000x Membership Rewards® Points after you spend $6,000 on purchases on your new card in your first 6 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    We're ending this list with one of the most elite travel cards – The Platinum Card® from American Express®. The card offers a 100,000-point welcome bonus (if you spend $6,000 within the first six months) and a long list of annual credits for various purposes. These include $200 hotel credit (for select prepaid hotel bookings with Amex Travel), $240 digital entertainment credit, $155 Walmart+ credit, $200 Uber Cash ($15 each month plus $20 in December), $200 airline fee credit, and a few more.

    The rewards program consists of 5x Membership Rewards points on prepaid hotels booked with AmexTravel and flights booked directly with airlines or AmexTravel (on up to $500,000 spent annually). Everything else earns you 1x points.

    The Platinum Card® from American Express® also comes with all the flair you’d expect from a premium travel card. Therefore, cardmembers will enjoy access to the American Express Global Lounge Collection and the Fine Hotels & Resorts Program (an average total value of $550 and perks like daily breakfast for two and 4 PM check out), as well as a fee credit for Global Entry or TSA Precheck every four years, Marriott Bonvoy Gold Elite Status, Hilton Honors Gold Status, and many, many more.

    Considering all this, it comes as no surprise that the card has a rather high annual fee of $695. However, those who spend a lot and take advantage of a few of the card’s many annual credits will more than offset the annual fee.

  • Pros:
    • Generous welcome bonus: The 100,000-point bonus can be earned by spending $6,000 in the first six months and could be potentially worth up to $1,000 if redeemed for airfare through Amex Travel.
    • Exceptional travel rewards: 5x points on prepaid hotels booked with AmexTravel and flights booked directly with airlines or AmexTravel (on up to $500,000 spent annually).
    • Outstanding luxury travel benefits: Including access to the American Express Global Lounge Collection and the Fine Hotels & Resorts Program and several annual credits.
  • Cons:
    • High annual fee: The $695 annual fee might be a lot to take for some, but it could be easily covered only by earning the welcome bonus.
  • Benefits:
    • 100,000 Membership Rewards® Points;
    • 5x points on directly-booked airfare and flights, prepaid hotels;
    • 1x points on all other purchases;
    • Platinum Card® Concierge;
    • Global Dining Collection;
    • Preferred Seating;
    • Return Protection;
    • Uber Rides with Platinum;
    • The Global Lounge Collection®;
    • International Airline Program;
    • Fee Credit for Global Entry or TSA Pre✓®;
    • Fine Hotels & Resorts® Program;
    • Platinum Travel Service;
    • Marriott Bonvoy™ Gold Elite Status;
    • Hilton Honors Gold Status;
    • Car Rental Loss and Damage Insurance;
    • Trip Delay;
    • Trip Cancellation;
    • Terms Apply.
Card detail

Best Credit Cards with No Foreign Transaction Fee

You’d probably agree with us that paying fees is one of the most annoying things. Charges for foreign transaction fees can easily pile up when you use your card outside of the U.S., making your trip or international purchases far more expensive than they need to be.

That's why we've come up with a list of the best credit cards without foreign transaction fees.

Short Review of Best Credit Cards with No Foreign Transaction Fee

NameBest forRewards RateAPRApply
Capital One VentureOne Rewards Credit Card
4.72
Rewards, No Annual Fee, Daily use
  • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
  • 1.25x Miles per dollar on all purchases.
  • 17.99% - 27.99% VariableApply now
    On Capital One‘s site
    Capital One SavorOne Cash Rewards Credit Card
    4.36
    Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
  • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
  • 1% Cash Back on all other purchases.
  • 17.99% - 27.99% VariableApply now
    On Capital One‘s site
    Capital One Venture X Rewards Credit Card
    3.6
    Car rental
  • 10,000x 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
  • 10x Miles on hotels & rental cars booked through Capital One Travel.
  • 5x Miles on flights booked through Capital One Travel.
  • 2x Miles on all other purchases.
  • 19.99% - 26.99% VariableApply now
    On Capital One‘s site
    Capital One Venture Rewards Credit Card
    3.52
    Travel, Daily use
  • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
  • 2x Miles on all purchases.
  • 18.99% - 26.99% VariableApply now
    On Capital One‘s site
    Capital One Walmart Rewards® Mastercard®
    4.12
    Walmart purchases
  • 5% Cash Back at Walmart.com, including pickup and delivery.
  • 2% Cash Back in Walmart stores, at restaurants and on travel.
  • 1% Everywhere else Mastercard® is accepted.
  • 17.99% - 27.74% VariableApply now
    On Capital One‘s site
    Capital One Platinum Credit Card
    2.91
    Without SSN
  • This card doesn't offer cash back, miles or points.
  • 28.49% VariableApply now
    On Capital One‘s site
    Capital One Quicksilver Cash Rewards Credit Card
    4.58
    Cash Back, No Annual Fee, Daily use
  • 1.5% Cash Back on every purchase.
  • 17.99% - 27.99% VariableApply now
    On Capital One‘s site
    Capital One QuicksilverOne Cash Rewards Credit Card
    3.64
    Fair credit
  • 1.5% Cash Back on every purchase.
  • 28.49% VariableApply now
    On Capital One‘s site
    Capital One Quicksilver Student Cash Rewards Credit Card
    3.52
    International students
  • 1.5% Cash Back on every purchase.
  • 17.99% - 27.99% VariableApply now
    On Capital One‘s site
    Journey Student Rewards from Capital One
    3.79
    Without SSN
  • 1% Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.
  • 28.49% VariableApply now
    On Capital One‘s site
    Upgrade Cash Rewards Visa®
    4.35
    Good credit score
  • 1.5% Cash Back on payments.
  • 14.99% - 29.99% RegularApply now
    On Upgrade‘s website
    Capital One SavorOne Student Cash Rewards Credit Card
    3.96
    International students
  • 3% Cash Back on dining, entertainment, popular streaming services & at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% Cash Back on all other purchases.
  • 17.99% - 27.99% VariableApply now
    On Capital One‘s site
    Capital One Platinum Secured Credit Card
    2.44
    Single mom, Without SSN
  • This card doesn't offer cash back, miles or points.
  • 28.49% VariableApply now
    On Capital One‘s site
    Upgrade Triple Cash Rewards Visa®
    3.53
  • 3% Cash Back on Home, Auto and Health categories.
  • 1% Cash Back on everything else.
  • 14.99% - 29.99% RegularApply now
    On Upgrade‘s website
    WebBank Petal® 2 “Cash Back, No Fees” Visa®
    3.8
    Beginner, No history
  • 1% - 1.5%:
  • Cash Back after making 12 on-time monthly payments.
  • 2% - 10%:
  • Cash Back from select merchants.
  • 15.99% - 29.99% VariableApply now
    On WebBank‘s site
    Celtic Bank Deserve EDU
    3.5
    Cash Back, Without SSN, Student
  • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
  • 22.49% VariableApply now
    On Celtic Bank‘s site
    WebBank Petal® 1 "No Annual Fee" Visa®
    4.34
    For bad credit
  • 2% - 10%:
  • Cash Back at select merchants.
  • 22.99% - 32.49% VariableApply now
    On WebBank‘s site
    Sutton Bank Upgrade Bitcoin Rewards
    4.2
  • 1.5% Cash Back in bitcoin when you make payments.
  • 14.99% - 29.99% RegularApply now
    On Sutton Bank‘s site
    Celtic Bank The Owner’s Rewards Card by M1
    3.91
  • 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
  • 1.5% Cash Back on everything else.
  • 17.99% - 27.99% VariableApply now
    On Celtic Bank‘s site
    Capital One Spark Miles for Business
    4.26
    Walmart purchases
  • 5x Miles on hotels and rental cars booked through Capital One Travel.
  • 2x Miles on every purchase for your business with no blackouts or seat restrictions and no minimum to redeem.
  • 23.99% VariableApply now
    On Capital One‘s site
    Capital One Spark Cash Plus
    3.62
  • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
  • 2% Cash Back for your business on every purchase.
  • None *Apply now
    On Capital One‘s site
    Capital One Spark Cash Select - $500 Cash Bonus
    5
  • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
  • 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions.
  • 16.24% - 22.24% VariableApply now
    On Capital One‘s site
    Chase Sapphire Preferred®
    4.4
    Travel, Restaurants, Daily use
  • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
  • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
  • 3x Points on dining, including eligible delivery services, takeout and dining out.
  • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • 3x Points on select streaming services.
  • 2x Points on other travel purchases.
  • 1x Point per dollar spent on all other purchases.
  • 18.24% - 25.24% VariableLearn more
    Chase Sapphire Reserve®
    3.99
    Travel, Restaurants, Daily use
  • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
  • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
  • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
  • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
  • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
  • 1x Point per dollar spent on all other purchases.
  • 19.24% - 26.24% VariableLearn more
    American Express® Gold Card
    3.13
    Cash Back
  • 4x Points on dining at restaurants worldwide, plus takeout and delivery in the U.S.
  • 4x Points on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
  • 3x Points on flights.
  • 1x Points on other eligible purchases.
  • 19.74% - 26.74% VariableLearn more
    Chase Marriott Bonvoy Bold®
    3.88
    No Foreign Transaction Fee
  • 14x Earn up to 14x total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®.
  • 2x Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains).
  • 1x Point for every $1 spent on all other purchases.
  • 18.24% - 25.24% VariableLearn more
    Citi Premier®
    3.94
    Travel
  • 3x Points per dollar on restaurant, supermarket, gas station, hotel and air travel purchases.
  • 1x Points on all other purchases.
  • 19.74% - 27.74% VariableLearn more
    American Express® The Platinum Card®
    3.64
    Young couples
  • 5x Points on up to $500,000 spent on directly-booked airfare and flights (per calendar year).
  • 5x Points on prepaid hotels.
  • 1x Points on all other purchases.
  • 19.74% - 26.74% VariableLearn more

    Who should apply

    Capital One VentureOne Rewards Credit Card

    Occasional international travelers who are looking for a no-annual-fee travel card that earns them miles on every purchase should look into the Capital One VentureOne Rewards.

    Read more about Capital One VentureOne Rewards Credit Card

    Capital One SavorOne Cash Rewards Credit Card

    This card is best suited for people who wish to receive excellent cash back rewards on food and entertainment without paying an annual fee and snag a welcome bonus that’s easy to earn.

    Read more about Capital One SavorOne Cash Rewards Credit Card

    Capital One Venture Rewards Credit Card

    This card is a good choice for moderate travelers who want to earn miles on every purchase and have flexible redemption options.

    Read more about Capital One Venture Rewards Credit Card

    Capital One Quicksilver Cash Rewards Credit Card

    The Capital One Quicksilver Cash Rewards might be an excellent fit for those who don't like tracking bonus categories and prefer cash back over points. Its intro APR offer also makes it great for those planning some major purchase or carrying a high-interest credit card debt.

    Read more about Capital One Quicksilver Cash Rewards Credit Card

    Chase Sapphire Preferred®

    If you don’t mind paying a relatively low annual fee for a great travel card, you should apply for this one.

    Read more about Chase Sapphire Preferred®

    Chase Sapphire Reserve®

    Since it's a pricey card, only those who frequently travel and want to do it in style will be able to justify the card’s fee. By using the $300 annual travel credit and the $100 Global Entry or TSA PreCheck fee credit, they’ll already be more than halfway to offset the annual fee.

    Read more about Chase Sapphire Reserve®

    American Express® Gold Card

    If you don't mind paying an annual fee for some great food and travel rewards, you might want to consider the American Express® Gold Card. Although, we recommend running the numbers first and making sure you spend enough to cover the annual fee cost.

    Read more about American Express® Gold Card

    Chase Marriott Bonvoy Bold®

    This card is well suited for travelers who like staying at the Marriott properties but not enough to pay an annual fee.

    Read more about Chase Marriott Bonvoy Bold®

    Citi Premier®

    People who heavily spend in the card’s many bonus categories can significantly benefit from the Citi Premier® credit card.

    Read more about Citi Premier®

    American Express® The Platinum Card®

    Frequent travelers who wish to make their trips more enjoyable and convenient should definitely look into the Platinum Card® from American Express®.

    Read more about American Express® The Platinum Card®

    Foreign transaction fees basics

    What is a foreign transaction fee

    A credit card issuer will charge a foreign transaction (FX) fee on every transaction made in a foreign currency or a transaction that involves a foreign bank. These are usually overseas purchases that take place in another country or with a foreign merchant. As the cost of the purchase has to be converted into U.S. dollars, the foreign bank imposes charges on the card issuer, which ultimately passes them on to you, the credit card consumer.

    How much are foreign transaction fees

    Foreign transaction fees are usually around 3% of the transaction’s amount, but this can vary. Some issuers might charge you 2%, and some charge you up to 5%.

    For example, if you make a purchase of $100, with a foreign transaction fee of 3%, you’ll pay $103. Three dollars might seem like a negligible amount, but these fees can quickly pile up, especially if you’re making a large foreign currency purchase or on a trip abroad.

    When do I pay a foreign transaction fee

    As previously mentioned, you’ll be charged a foreign transaction fee anytime you engage in a transaction with a foreign bank or make a purchase that requires currency conversion. You can expect to pay a foreign transaction fee when purchasing from a non-U.S. merchant or when traveling internationally (including when you use an ATM). Bear in mind that there can be several international fees when you use a foreign ATM, like a flat-rate international ATM surcharge and an ATM access fee.

    Since your card issuer charges this fee, it won't be shown on the receipt, but it'll be on your credit card statement.

    Does it make a difference if the purchase is in U.S. dollars

    Yes, but not in the way you may think. Choosing to make the purchase in U.S. dollars will probably end up costing you more since it entails a dynamic currency conversion. Dynamic currency conversion is when a foreign merchant offers you the option to pay in U.S. dollars. That means they will do the conversion instead of your credit card issuer. They will also impose a fee for this convenience which can be much higher than the foreign transaction fee. Even in that case, you might still be charged a foreign transaction fee, perhaps at a slightly lower rate.

    We advise you to always choose to pay in the local currency and let your card issuer do the conversion and charge you a foreign transaction fee if it has one.

    Pros and cons of a no foreign transaction fee credit card

    Pros: Cons:
    Travel benefits & rewards: As cards with no foreign transaction fees are often associated with travel, most of those cards come with rewards in travel, as well as some benefits like lounge access, travel protection, and others. Worldwide coverage: Some of the best cards with no foreign transaction fees are Discover and Amex credit cards , but they have their own payment networks and are not as widely accepted as Visa® or Mastercard®.
    Save money: Frequent travelers or those who regularly shop internationally know that foreign transaction fees can rack up and wind up costing you a lot. Having a no-foreign-transaction-fee credit card will enable you to make purchases without worrying about those charges. Annual fee: Typically, the premium travel cards don’t charge a foreign transaction fee, but they do come with hefty annual fees.
    Fair exchange rate: Foreign merchants usually have unfavorable exchange rates, so having your payment network carry out the conversion will guarantee you a fair exchange rate.

    How to choose a no foreign transaction fee credit card

    All of the cards on our list come with plenty of attractive features that go beyond the 'no foreign transaction fee' part. We have included laidback, no-annual-fee credit cards like the Discover it® Miles and the Quicksilver Cash Rewards, as well as premium travel cards like the Sapphire Reserve® and the Platinum Card® by American Express®. It's up to you to decide on the card with no foreign transaction fee that will best suit your needs.

    Here are some things to consider when choosing among the best no foreign transaction fee credit cards:

    1. Rewards – Are you a frequent traveler and need a credit card for international use? In that case, a good choice might be the Platinum Card® by American Express®, which has excellent travel rewards and an extensive list of airline and hotel brand partners. If you only travel abroad occasionally and wish to earn rewards in other categories as well, you might want to consider the Sapphire Preferred®. It also depends on whether you prefer to earn cash back or points/miles.
    2. Benefits – This should be carefully considered if you're going for a travel card. Those usually come with handy features like concierge service, airport lounge access, travel insurance, and other benefits.
    3. Fees – If the card doesn't have a foreign transaction fee, that doesn't mean that it has no other fees that can quickly add up. The most important one to consider is the annual fee. If you're not sure you can earn enough rewards to justify it, it's better to be safe with a no-annual-fee card like the Bank of America Travel Rewards.

    Who should get a no foreign transaction fee credit card

    Not everyone needs a foreign transaction fee credit card. However, for some people, it can be a huge relief to their finances. You should consider getting a no foreign transaction fee card if you find yourself in one of the following situations:

    • International travelers – If you frequently travel overseas, you should definitely have a no foreign transaction fee card in your wallet.
    • Online shoppers – If you often shop at foreign websites and pay in a currency other than U.S. dollars, consider paying for those purchases with a no-foreign-transaction-fee credit card.
    • Students – Adventurous students who are planning trips or studies abroad should also consider getting a no-foreign-transaction-fee card.

    How to prepare to use your card internationally

    Traveling abroad requires lots of planning, so we’ve prepared a short guide to walk you through how to prepare for the international use of your credit card.

    • Step 1. Contact your bank before you leave

    Before you leave on your trip, get in touch with a representative from your bank to let them know you're traveling internationally. Otherwise, when they notice an unusual activity with the card, they might suspect fraud and freeze your account.

    • Step 2. Check the payment network coverage

    Depending on where you plan to travel, check with your card issuer which payment networks are accepted in that region. Of course, Mastercard® and Visa® are almost always safe choices, but even those are not accepted everywhere in Asia. Amex and Discover have limited worldwide acceptance as well. So, it might be a good idea to take two or three credit cards from different payment networks. If your primary card is Amex or Discover, you may want to bring a Visa® or Mastercard® along as well.

    • Step 3. Get your chip and PIN credit card

    Some places worldwide might not accept the usual chip-and-signature method but ask for a chip-and-PIN instead. To be prepared in case you run into such a place, it's best to have a chip-and-PIN credit card.

    • Step 4. Credit is a secure method of payment

    Credit cards are one of the safest payment methods because even if you lose your card or someone steals it, you'll only be liable for up to $50 (due to the Fair Credit Billing Act). Most credit cards even have a $0 fraud liability feature. You should have your card issuer’s customer service number on hand so you can immediately call and report if your card is missing.

    How to make the most of a no foreign transaction fee credit card

    For making the most out of any credit card, not only no-foreign-transaction-fee credit card, you should inform yourself well about the card’s features. That means going through the terms and conditions in order to understand the way rewards work and look into other fees the card issuer might impose.

    FAQ

    Is the foreign transaction fee affected by exchange rates?

    The foreign transaction fee will remain the same percentage of the amount regardless of the exchange rate, but the exchange rate might affect the final amount you’ll pay.
    The exchange rate is the rate at which one currency can be exchanged for another. Each payment network has its own conversion rates that may differ slightly between different payment networks or banks.
    For example, at the time of writing, $1 is 0.91 euros. If the foreign transaction fee is 3%, for a purchase of 100 euros, you will pay a $3.30 fee. However, if the exchange rate changes to $1 for 0.93 euros, you'd pay a $3.20 fee.

    Do foreign transaction fees apply to online purchases?

    Yes, if the prices are in a foreign currency and if the transaction goes through a foreign bank.

    Do hotel bookings and Airbnb charge foreign transaction fees?

    It depends. If the payment is processed in the U.S., a foreign transaction fee won't be charged, but you'll probably be charged if it's processed in a foreign country.

    Which banks do not charge foreign transaction fees?

    Some banks that don’t charge foreign transaction fees are Capital One and Discover Bank, whose cards are included in our list of the best credit cards with no foreign transaction fees.

    How to avoid foreign transaction fees on credit cards

    The best way to avoid foreign transaction fees on credit cards is simply by using a card that doesn't charge such a fee.
    Myfin TeamMyfin Team

    Author, editor

    content@myfin.us