Best Credit Cards with No Foreign Transaction Fees (2026)

By Bryce Casson, Founder · Cardocrat · Updated June 2026

The short answer: A card with no foreign transaction fees saves you roughly 3 percent on every purchase abroad. the Citi Strata Elite℠ leads our ranking of no-FTF cards.

Foreign transaction fees, typically around 3 percent, are a silent tax on spending abroad. Carrying a card without them is the single easiest international travel upgrade.

Every card on this list charges no foreign transaction fee. We then rank them by travel earn rate at a flat 1 cent, so you get the best of both: no fees and strong rewards overseas.

Our top picks

1. Citi Strata Elite℠ 12x on travel

The Citi Strata Elite℠ has a $595 annual fee, plus a welcome offer of 100,000 ThankYou® Points.

12x ThankYou® Points on hotels, car rentals, and attractions booked via Citi Travel
6x on air travel booked via Citi Travel
$300 hotel credit on 2+ night stays booked via Citi Travel
No foreign transaction fees
$300 hotel credit on 2+ night stays via Citi Travel

2. Robinhood Gold Card 5x on travel

The Robinhood Gold Card has a $50 annual fee, plus a welcome offer of 3% cash back on every purchase from day one.

5% cash back on travel booked through Robinhood Travel
No foreign transaction fees
Visa Signature benefits including travel protections and purchase security

3. Capital One Venture X 5x on travel

The Capital One Venture X has a $395 annual fee, plus a welcome offer of 75,000 Miles.

10x miles on hotels and rental cars via Capital One Travel
5x on flights via Capital One Travel
$300 annual travel credit (for Capital One Travel bookings)
No foreign transaction fees
$300 annual travel credit (via Capital One Travel)

4. Capital One Venture 5x on travel

The Capital One Venture has a $95 annual fee, plus a welcome offer of 75,000 Miles.

5x miles on hotels and rental cars booked through Capital One Travel
No foreign transaction fees
Travel accident insurance and 24-hour travel assistance

5. U.S. Bank Cash+® 5x on travel

The U.S. Bank Cash+® has no annual fee, plus a welcome offer of $250 rewards bonus.

5% cash back on prepaid air, hotel, and car reservations booked via Rewards Travel Center
No foreign transaction fees

Compare the top cards

Card	Rewards rate	Annual fee	Welcome offer
Citi Strata Elite℠	12x on travel	$595	100,000 ThankYou® Points
Robinhood Gold Card	5x on travel	$50	3% cash back on every purchase from day one
Capital One Venture X	5x on travel	$395	75,000 Miles
Capital One Venture	5x on travel	$95	75,000 Miles
U.S. Bank Cash+®	5x on travel	No annual fee	$250 rewards bonus

Rewards rates and offers verified June 2026. Every point is valued at a flat 1 cent. Run your own numbers in the rewards calculator.

Frequently asked questions

What is a foreign transaction fee?

A surcharge, usually about 3 percent, that many cards add to purchases made outside the U.S. or in a foreign currency. No-FTF cards waive it entirely.

Do I still get charged by my card abroad if it has no FTF?

Not by your card issuer for the foreign transaction. You may still face a merchant or ATM fee, and you should always pay in the local currency, not dollars, to avoid bad conversion rates.

Which cards have no foreign transaction fees?

Most travel cards and many no-fee cards waive them. Cash back cards aimed at domestic use more often charge them, so check before you travel.

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Bryce Casson, Founder of Cardocrat. Every card is ranked by what it actually returns, with all points valued at a flat 1 cent and offers verified against issuer sources. About the author.