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Best no-foreign-transaction-fee credit cards of July 2024

Updated July 11, 2024

The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for

Foreign transaction fees are just one of the many unnecessary charges travelers and online shoppers are likely to encounter. This surcharge can be up to 3 percent of the cost when making international purchases or withdrawing funds from a foreign ATM. Here’s what you need to know about the best credit cards without foreign transaction fees from our partners, along with some tips on how to avoid other unnecessary fees when shopping internationally.

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Limited Time Offer

Best for flat-rate travel rewards

Bankrate score

Rating: 4.9 stars out of 5
4.9
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

Earn 75,000 miles

$1,275 value
Info

Rewards rate

Info

2 Miles - 5 Miles

Annual fee

$95

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: Redemption is flexible — you can use miles to book travel or transfer to airline and hotel partners, potentially for more value.

Best travel card for beginners

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Chase's secure site

Intro offer

Info

60,000 bonus points

$1,200 value
Info

Rewards rate

Info

1x - 5x

Annual fee

$95

Regular APR

21.49% - 28.49% Variable

Why you’ll like this card: It earns valuable rewards in key everyday categories, so it’s easy to rack up points even if you don’t spend a ton on travel.

Best for expanded travel rewards categories

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Bank of America's secure site

Intro offer

Info

25,000 points

$250 value
Info

Rewards rate

Info

1.5X

Annual fee

$0

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Why you’ll like this card: It has some of the most flexible redemption options, allowing you to use points to offset a wide range of travel expenses.

Best for occasional travelers

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

20,000 miles

$340 value
Info

Rewards rate

Info

1.25 Miles - 5 Miles

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: It offers a straightforward and consistent rewards structure, so it’s a great fit if you value simplicity.

Best for flat-rate cash back

Bankrate score

Rating: 3.8 stars out of 5
3.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$200

$200 value
Info

Rewards rate

Info

1.5% - 5%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: It keeps things simple with its unlimited flat cash back rate on all purchases.

Best for bonus category variety

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Discover's secure site

Intro offer

Info

Cashback Match

Rewards rate

Info

1% - 5%

Annual fee

$0

Regular APR

18.24% - 28.24% Variable APR

Why you’ll like this card: You can maximize rewards in a ton of popular categories thanks to its elevated cash back in rotating bonus categories.

Best for luxury perks

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 740 - 850
Info
Apply now Lock
on Chase's secure site

Intro offer

Info

60,000 bonus points

$1,200 value
Info

Rewards rate

Info

1x - 10x

Annual fee

$550

Regular APR

22.49% - 29.49% Variable

Why you’ll like this card: Its boasts valuable, comprehensive travel benefits, including a generous annual travel credit and Priority Pass Select membership.

Best for lounge access

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 80,000 points

$1,600 value
Info

Rewards rate

Info

5X - 5X

Annual fee

$695

APR

See Pay Over Time APR

Why you’ll like this card: Its extensive list of perks includes comprehensive airport lounge access, annual travel credits and hotel and resort benefits.

Best for budget luxury travel

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 740 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

75,000 miles

$1,275 value
Info

Rewards rate

Info

2 Miles - 10 Miles

Annual fee

$395

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: It offers several of the travel perks that matter most, including credits for Global Entry or TSA PreCheck, travel statement credits and airport lounge access.

Best for first-year value

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Discover's secure site

Intro offer

Info

Discover Match®

Rewards rate

Info

1.5X

Annual fee

$0

Regular APR

18.24% - 28.24% Variable APR

Why you’ll like this card: Its unique bonus offer matches all the miles you’ve earned at the end of your first year — a big boost in short-term value.

Best for travel rewards on dining

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 60,000 Membership Rewards® Points

$1,200 value
Info

Rewards rate

Info

3X - 4X

Annual fee

$250

APR

See Pay Over Time APR

Why you’ll like this card: Foodies and frequent travelers will get a ton of value out of its generous rewards on dining and groceries, plus valuable credits and travel perks.

Best for students

Bankrate score

Rating: 5 stars out of 5
5.0
Info
No Credit History
Info
Apply now Lock
on Discover's secure site

Intro offer

Info

Cashback Match

Rewards rate

Info

1% - 5%

Annual fee

$0

Regular APR

18.24% - 27.24% Variable APR

Why you’ll like this card: Its Cashback Match offer gives a huge boost to the rewards you’ve earned at the end of your first year.

Best for everyday travel

Image of American Express® Green Card

American Express® Green Card

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Bankrate score

Rating: 4.5 stars out of 5