Best Credit Cards with No Foreign Transaction Fees (2026)
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. Wells Fargo Autograph Journey℠ 5x on travel
The Wells Fargo Autograph Journey℠ has a $95 annual fee, plus a welcome offer of 60,000 bonus points ($600 value).
- 3x points on other travel and dining
- No foreign transaction fees
- Travel accident and baggage delay insurance
2. American Express® Platinum 5x on travel
The American Express® Platinum has a $895 annual fee, plus a welcome offer of 175,000 Membership Rewards® Points.
- 5x points on flights booked direct or via Amex Travel (up to $500k/yr)
- 5x on prepaid hotels via Amex Travel
- No foreign transaction fees
3. American Express® Platinum for Morgan Stanley 5x on travel
The American Express® Platinum for Morgan Stanley has a $895 annual fee, plus a welcome offer of 80,000 Membership Rewards® Points.
- 5x points on flights booked direct or via Amex Travel (up to $500k/yr) and 5x on prepaid hotels via Amex Travel
- No foreign transaction fees
4. American Express® Platinum for Schwab 5x on travel
The American Express® Platinum for Schwab has a $895 annual fee, plus a welcome offer of 80,000 Membership Rewards® Points.
- 5x points on flights booked direct or via Amex Travel (up to $500k/yr) and 5x on prepaid hotels via Amex Travel
- No foreign transaction fees
5. U.S. Bank Altitude® Connect Visa Signature® 4x on travel
The U.S. Bank Altitude® Connect Visa Signature® has no annual fee, plus a welcome offer of 20,000 points.
- 5x points on prepaid hotels and car rentals booked in the U.S. Bank Rewards Travel Center
- 4x points on travel
- No foreign transaction fees
6. Chase Sapphire Reserve® 4x on travel
The Chase Sapphire Reserve® has a $795 annual fee, plus a welcome offer of 100,000 Ultimate Rewards® Points.
- 8x Ultimate Rewards® points on Chase Travel purchases
- $300 annual travel credit (auto-applied to travel purchases)
- Points Boost: redeem points for up to 2x value on select Chase Travel bookings
- No foreign transaction fees
- $300 annual travel credit (auto-applied)
7. Robinhood Gold Card 3x on travel
The Robinhood Gold Card has a $50 annual fee.
- 5% cash back on travel booked through Robinhood Travel
- No foreign transaction fees
- Visa Signature benefits including travel protections and purchase security
8. USAA Eagle Navigator® Visa Signature® 3x on travel
The USAA Eagle Navigator® Visa Signature® has a $95 annual fee, plus a welcome offer of 30,000 points.
- 3x points on travel
- Annual travel credit and Global Entry or TSA PreCheck credit
- No foreign transaction fee
Compare the top cards
| Card | Rewards rate | Annual fee | Welcome offer | Details |
|---|---|---|---|---|
| Wells Fargo Autograph Journey℠ | 5x on travel | $95 | 60,000 bonus points ($600 value) | Review |
| American Express® Platinum | 5x on travel | $895 | 175,000 Membership Rewards® Points | Review |
| American Express® Platinum for Morgan Stanley | 5x on travel | $895 | 80,000 Membership Rewards® Points | Review |
| American Express® Platinum for Schwab | 5x on travel | $895 | 80,000 Membership Rewards® Points | Review |
| U.S. Bank Altitude® Connect Visa Signature® | 4x on travel | No annual fee | 20,000 points | Review |
| Chase Sapphire Reserve® | 4x on travel | $795 | 100,000 Ultimate Rewards® Points | Review |
| Robinhood Gold Card | 3x on travel | $50 | No current offer | Review |
| USAA Eagle Navigator® Visa Signature® | 3x on travel | $95 | 30,000 points | Review |
Rewards rates and offers verified July 2026. Every point is valued at a flat 1 cent. Run your own numbers in the rewards calculator, and check the best current welcome offers for cards running an elevated bonus right now.
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