Apply now
On Bank of America's secure site
Rewards rate
  • 1.5X Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
Intro offer
25,000 points 
Annual fee
$0
Regular APR
14.24% - 24.24% Variable APR on purchases and balance transfers
Recommended credit
Good to Excellent (670 - 850)

Best for cash back on international purchases

Apply now
On Capital One's secure site
Rewards rate
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day
Intro offer
$200 
Annual fee
$0
Regular APR
15.24% - 25.24% (Variable)
Recommended credit
Good to Excellent (670 - 850)

Best for foreign travel beginners

Apply now
On Capital One's secure site
Rewards rate
  • 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • 1.25X Earn unlimited 1.25X miles on every purchase, every day.
Intro offer
20,000 miles 
Annual fee
$0
Regular APR
15.24% - 25.24% (Variable)
Recommended credit
Good to Excellent (670 - 850)

Best for customer service

Apply now
On Discover's secure site
Rewards rate
  • 5% Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • 1% Plus, earn unlimited 1% cash back on all other purchases – automatically.
Intro offer
Cashback Match™ 
Annual fee
$0
Regular APR
12.24% - 23.24% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for redemption flexibility

Apply now
On Chase's secure site
Rewards rate
  • 5x 5x on travel purchased through Chase Ultimate Rewards®
  • 3x 3x on dining.
  • 2x 2x on all other travel purchases, plus more.
Intro offer
80,000 points 
Annual fee
$95
Regular APR
16.24% - 23.24% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Capital One's secure site
Rewards rate
  • 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • 2X Earn unlimited 2X miles on every purchase, every day.
Intro offer
75,000 miles 
Annual fee
$95
Regular APR
16.24% - 24.24% (Variable)
Recommended credit
Good to Excellent (670 - 850)

Best for international dining

Apply now
On American Express's secure site
See Rates & Fees , Terms Apply
See if you're pre‐approved for this card with CardMatch™
Rewards rate
  • 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
  • 4X Earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
Intro offer
60,000 points 
Annual fee
$250
Regular APR
See Pay Over Time APR
Recommended credit
Good to Excellent (670 - 850)

BEST FOR PREMIUM TRAVEL BENEFITS

Apply now
On Capital One's secure site
Rewards rate
  • 10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
  • 5X 5X miles on flights booked through Capital One Travel.
  • 2X Earn unlimited 2X miles on all other purchases
Intro offer
75,000 miles 
Annual fee
$395
Regular APR
17.24% - 24.24% (Variable)
Recommended credit
Excellent (740 - 850)

Best student cash back card

Apply now
On Discover's secure site
Rewards rate
  • 5% Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • 1% Plus, earn unlimited 1% cash back on all other purchases - automatically.
Intro offer
Cashback Match™ 
Annual fee
$0
Regular APR
13.24% - 22.24% Variable
Recommended credit
No Credit History 

Best for first-year miles bonus

Apply now
On Discover's secure site
Rewards rate
  • 1.5X Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
Intro offer
Discover Match® 
Annual fee
$0
Regular APR
12.24% - 23.24% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for luxury card perks

Apply now
On Chase's secure site
Rewards rate
  • 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
  • 5x Earn 5x total points on air travel through Chase Ultimate Rewards®.
  • 3x Earn 3x points on other travel and dining.
  • 1x Earn 1 point per $1 spent on all other purchases
Intro offer
50,000 points 
Annual fee
$550
Regular APR
17.24% - 24.24% Variable
Recommended credit
Excellent (740 - 850)

The information about the Costco Anywhere Visa® Business Card by Citi, Costco Anywhere Visa® Card By Citi, Citi® / AAdvantage® Executive World Elite Mastercard®, CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Hilton Honors American Express Surpass® Card, Bank of America® Travel Rewards Credit Card for Students, and Capital One Savor Cash Rewards Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Comparison of best no foreign transaction fee credit cards

Card name Annual fee Best for Bankrate review score
Bank of America Travel Rewards credit card $0 No annual fee 3.8 / 5
(Read full card review)
Capital One Quicksilver Cash Rewards Credit Card $0 Cash back on international purchases 3.2 / 5
(Read full card review)
Capital One VentureOne Rewards Credit Card $0 Foreign travel beginners 3.8 / 5
(Read full card review)
Discover it Cash Back $0 Customer service 4.0 / 5
(Read full card review)
Chase Sapphire Preferred Card $95 Redemption flexibility 4.6 / 5
(Read full card review)
Capital One Venture Rewards Credit Card $95 Travel rewards 4.1 / 5
(Read full card review)
American Express Gold Card $250 International dining 4.3 / 5
(Read full card review)
Capital One Venture X Rewards Credit Card $395 Premium travel benefits 4.4 / 5
(Read full card review)
Discover it Student Cash Back $0 Student cash back card 4.1 / 5
(Read full card review)
Discover it Miles $0 First-year miles bonus 3.6 / 5
(Read full card review)
Chase Sapphire Reserve $550 Luxury perks 4.4 / 5
(Read full card review)

A closer look at the top no foreign transaction fee credit cards

Bank of America Travel Rewards credit card

Best for no annual fee

  • This card is a good fit for: Travelers looking for flexibility. This card offers solid travel rewards and nonrestrictive redemption options.
  • This card is not a great choice for: Travelers seeking luxury perks. This credit card lacks premium perks like airport lounge access that many luxury travelers are looking for. A traveler searching for premium rewards and perks might find a card like The Platinum Card® from American Express a better fit.
  • What makes this card unique? Bank of America has a pretty broad definition of “travel purchases” compared to similar cards. Purchases at campgrounds, zoos, art galleries, aquariums and more can be redeemed for travel statement credits.
  • Is the Bank of America Travel Rewards card worth it? Sort of. If you book travel through Bank of America, you can earn a boosted 3X points on airfare, hotels and rental cars, which is OK, but you can find better if you’re willing to pay an annual fee.

Read our Bank of America Travel Rewards credit card review.
Jump back to offer details.

Capital One Quicksilver Cash Rewards Credit Card

Best for cash back on international purchases

  • This card is a good fit for: Credit card beginners. This card provides a simple solid rewards structure for no annual fee.
  • This card is not a great choice for: Cash back maximizers who spend heavily in specific categories. This card earns 1.5 percent flat cash back for every dollar spent. You also earn unlimited 5 percent cash back on hotels and rental cars booked through Capital One Travel (terms apply).
  • What makes this card unique? You can automatically redeem your cash back, making this one of the most streamlined rewards experiences out there.
  • Is the Capital One Quicksilver worth it? Earning unlimited 1.5 percent cash back on all of your purchases without paying an annual fee makes this card worthwhile for nearly anyone. The uncomplicated rewards structure is especially well-suited to simplicity lovers and credit card beginners.

Read our Capital One Quicksilver Cash Rewards Credit Card review.
Jump back to offer details.

Capital One VentureOne Rewards Credit Card

Best for foreign travel beginners

  • This card is a good fit for: Someone who only travels occasionally and wants to earn miles on everyday purchases. Cardholders will earn a respectable 1.25X miles on all purchases.
  • This card is not a great choice for: Travel rewards maximizers. While this is a great card for someone who doesn’t want to worry about offsetting the cost of an annual fee, people who travel often are likely better off with a more premium card.
  • What makes this card unique? Many travel cards require you to redeem rewards through the issuer’s portal, but Capital One lets you redeem miles as statement credits to cover outside travel purchases made in the previous 90 days. This gives you extra flexibility to hunt for deals on third-party sites or book travel before you’ve earned all the points you’d need to book through the portal.
  • Is the Capital One VentureOne worth it? It’s not a premium travel card, but it’s a good option for an occasional or frugal traveler looking for a flexible travel rewards card.

Read our Capital One VentureOne Rewards Credit Card review.
Jump back to offer details.

Discover it Cash Back

Best for rotating cash back categories

  • This card is a good fit for: People who enjoy bonus category variety to cover popular seasonal expenses or already have a card that rewards staple categories like groceries year round.
  • This card is not a great choice for: Someone looking for a low-maintenance rewards strategy. The rewards program requires that cardholders activate a bonus category each quarter, track their spending and potentially change how they spend to maximize rewards.
  • What makes this card unique? This card’s terrific category variety, rock-bottom rates and fees, first-year cash back match and bonus category calendar announced for the full year give it an exclusive edge.
  • Is the Discover it Cash Back worth it? Yes, as long as you put in the work. If you max out quarterly the bonus categories, you’ll earn $75 per quarter or $300 annually. But this isn’t a set-it-and-forget-it card—it’s only worth it when you track Discover’s rotating bonus category calendar.

Read our Discover it Cash Back review.
Jump back to offer details.

Chase Sapphire Preferred Card

Best for redemption flexibility

  • This card is a good fit for: Occasional travelers seeking flexibility. Points transfer at a 1:1 ratio when booking hotels and airlines with Chase’s extensive list of travel partners.
  • This card is not a great choice for: Travelers looking for luxury perks. Perks like airport lounge access or free checked bags aren’t available with this card.
  • What makes this card unique? The Chase Sapphire Preferred’s sign-up bonus is a steal, competing with bonuses offered by luxury cards with much higher annual fees. You can also enjoy elite ongoing value at a budget price with its robust travel protections and 25 percent redemption boost toward Ultimate Rewards travel.
  • Is the Chase Sapphire Preferred worth it? With fantastic rewards rates, flexible redemption options and a bevy of transfer partners, the Sapphire Preferred is completely worth it when used to your full advantage.

Read our Chase Sapphire Preferred Card review.
Jump back to offer details.

Capital One Venture Rewards Credit Card

Best for travel rewards

  • This card is a good fit for: Occasional travelers in search of flexible rewards. You’ll rack up unlimited 2X miles toward your next trip on all eligible purchases, plus 5X miles on hotels and rental cars through Capital One Travel for the road.
  • This card is not a great choice for: Brand loyalists—If you exclusively fly one airline or stay at one hotel chain, you’re probably better off with a co-branded card.
  • What makes this card unique? Unlimited 2X miles on all purchases can be very lucrative even without a jet-setting lifestyle since your everyday purchases rack up as many bonus miles as your travel purchases. Capital One miles themselves are also flexible since you can redeem through Capital One Travel for a statement credit to cover outside travel purchases made within the past 90 days.
  • Is the Capital One Venture worth it? Yes. The $95 fee is pretty standard for a travel rewards card, and the ability to earn miles on all purchases makes it easy to make up that cost and more in rewards. Plus, Capital One miles are pretty flexible. But if you’re fee-averse, consider this card’s low-cost alternative, the Capital One VentureOne Rewards Credit Card.

Read our Capital One Venture Rewards Credit Card review.
Jump back to offer details.

American Express Gold Card

Best for international dining

  • This card is a good fit for: Foodies who want to earn travel rewards on their meals at home and abroad. You’ll earn boosted points on dining at restaurants, Uber Eats and at U.S. supermarkets.
  • This card is not a great choice for: Travelers seeking premium perks like airport lounge access. You’d be better off with the Gold Card’s premier sibling, The Platinum Card® from American Express, or the Chase Sapphire Reserve.
  • What makes this card unique? Although a few cards reward dining both at home and in restaurants, this card’s generous annual foodie-related credits are harder to come by.
  • Is the American Express Gold Card worth it? Definitely. Even though the $250 annual fee may give you pause, the dining and Uber credits alone recoup that cost, and then some.

Read our American Express Gold Card review.
Jump back to offer details.

Capital One Venture X Rewards Credit Card

Best for premium travel benefits

  • This card is best for: Frequent travelers who want to cash in on essential travel benefits but don’t need elite cards’ bloated features and over $500 in annual fees
  • This card is not a great choice for: Anyone looking for travel that rewards their particular travel habits. There are cards with more brand-specific perks on things like booking with certain airlines or hotels.
  • What makes this card unique? It strikes a unique balance between premium and mid-tier travel card features. You’ll still get plenty of top-of-the-line travel benefits without having to pay extra for niche perks that you may not use in the long term.
  • Is the Capital One Venture X worth it? Yes. The Venture X is absolutely worth it for the right cardholder. The card’s warm reception is thanks to its generous perks and relatively low price tag for a luxury travel card. In fact, its annual credits alone could make up for the card’s annual fee.

Read our full Capital One Venture X Rewards Credit Card review.
Jump back to offer details.

Discover it Student Cash Back

Best student cash back card

  • This card is a good fit for: Students with a limited credit history ready to dive into the world of credit card rewards. Along with a generous cash back program, this card boasts Discover’s acclaimed customer service and minimal fees, making it an ideal starter pick for credit newbies.
  • This card is not a great choice for: People who may forget to activate the card’s rotating bonus categories each quarter.
  • What makes this card unique? Discover offers an interesting perk that’s similar to a sign-up bonus, but perhaps better-suited for credit newcomers. The Cashback Match is an unlimited dollar-for-dollar match of all the cash back you’ve earned at the end of your first year. Unlike a sign-up bonus, there’s no spending minimum, so there’s less pressure to overspend.
  • Is the Discover it Student worth it? Absolutely. It not only carries no annual fee, but also offers just as much value as a full-fledged cash back card.

Read our Discover it Student Cash Back review.
Jump back to offer details.

Discover it Miles

Best for first-year miles bonus

  • This card is a good fit for: Occasional travelers looking for a simple rewards program and flexible redemption options.
  • This card is not a great choice for: Someone looking for travel perks or the ability to transfer miles to airline or hotel loyalty programs. Also, keep in mind that Discover is less-accepted overseas than Visa or Mastercard.
  • What makes this card unique? Discover will automatically match all miles you’ve earned at the end of your first year, which could prove even more valuable than a traditional sign-up bonus. It’s also one of the few travel cards that lets you redeem miles for cash back without sacrificing rewards value. This makes the card especially worthwhile for occasional travelers who need redemption flexibility.
  • Is the Discover it Miles worth it? If you want to earn travel rewards but are hesitant to jump into a confusing rewards program, the Discover it Miles could be a good fit. You earn rewards at a flat, unlimited rate and can redeem them for statement credits to cover travel purchases. Plus, there’s no annual fee. Travel credit cards don’t get much simpler than that.

Read our Discover it Miles review.
Jump back to offer details.

Chase Sapphire Reserve

Best for luxury card perks

  • This card is a good fit for: Frequent travelers looking to capitalize on travel and dining purchases.
  • This card is not a great choice for: People who only travel occasionally or aren’t comfortable with a hefty annual fee. If you’re not sure you’d get $550 of value out of this card each year, the Chase Sapphire Preferred is a better choice.
  • What makes this card unique? The Chase Sapphire Reserve comes with a $300 annual travel credit, which is much more flexible than many of the credits you’ll find on competing cards. Your points are also worth 50 percent more when you redeem for travel through the Ultimate Rewards portal.
  • Is the Chase Sapphire Reserve worth it? Travel rewards beginners and infrequent travelers might find it tough to get more than $550 of value out of this card each year. But if you make use of the Sapphire Reserve card’s credits and additional perks, the card is easily worth it.

Read our Chase Sapphire Reserve review.
Jump back to offer details.


What are foreign transaction fees?

When you use a credit card overseas to buy something in the local currency, your credit card issuer has to convert the money you’ve spent into U.S. dollars to properly bill you. It may seem like any other transaction from your perspective, but the credit card issuer pays various costs associated with currency conversion, transferring money through a foreign bank and so on.

Many issuers offset these costs by charging a foreign transaction fee for every overseas purchase.

The fee usually ranges from 3 percent to 5 percent of the amount spent on each transaction, which means the cost to you can really add up:

Foreign purchase in dollars +3% foreign transaction fee +5% foreign transaction fee
$50 $51.50 $52.50
$100 $103 $105
$500 $515 $525
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Bankrate insight
It’s a common misconception that paying in U.S. cash is a way to get out of paying a foreign transaction fee. It isn’t, and paying in U.S. dollars will actually cost you more most of the time because the price will include a currency conversion fee.

Why do banks charge a foreign transaction fee?

Overseas transactions are a bit more complex than standard transactions as they require banks to convert the money spent into U.S dollars. Foreign transaction fees are essentially a charge for this service. The total fee that you pay often involves adding the charge from the issuing bank and the processing fee from the payment network (like Visa or Mastercard). However, Capital One and Discover do not charge foreign transaction fees on any of their credit cards.

Foreign transaction fees are becoming less common, particularly among premium or travel credit cards, due to automation improvements in the global banking system. However, many cards still impose the charge.

Who should get a no foreign transaction fee credit card?

One less fee to worry about is always a nice thing, but do you really need to prioritize no foreign transaction fees when looking for a credit card? For some people, this feature can save hundreds of dollars.

How to choose the best card with no foreign transaction fees

As you search for a card to use for your upcoming international trip, it’s important to fully understand foreign transaction fees, how they work and how you can avoid them. Here are a few things to think about when searching for a card with no foreign transaction fee:

What base rewards come with the card?

If you want to get rewarded for how you spend in addition to skipping out on foreign transaction fees, look for cards that offer bonus rewards in categories that match your spending habits. In addition to travel cards offering points or miles, some of the best no foreign transaction fee cards that offer cash back rewards on popular spending categories.

What other travel-related perks are available?

If you are trying to choose a travel credit card, make sure you compare the full suite of benefits each one is offering. In addition to base rewards and no foreign transaction fees, top-tier travel credit cards commonly offer trip cancellation insurance, supplemental auto insurance, free checked bags, free amenities, like Wi-Fi or complimentary breakfast, airport lounge access and other notable travel benefits and coverages.

Is there an annual fee?

Annual fees are common among mid-tier and premium travel credit cards, which frequently skip foreign transaction fees. When considering cards with an annual fee, it’s important to weigh whether that fee can be offset or recouped with reward earnings, added benefits and perks, or if you can just generally shoulder the added cost. Luckily, there are many cards on the market that have no annual fee and no foreign transaction fee. Keep in mind that you may find some cards that do have an annual fee worth it when it comes to accessing more high-end rewards. Be sure to evaluate your own spending habits and budget needs when considering a card with an annual fee.

What other fees should I know about?

Some cards that skip foreign transaction fees also offer other consumer-friendly terms. Others tout no foreign transaction fees as one of many travel perks. In either case, it’s important to know what fees you might incur (and how much you’ll be charged) while comparing options. Common credit card fees include annual fees, late fees (usually around up to $40 for each missed payment), balance transfer fees (usually 3 percent to 5 percent of the amount you’re transferring), cash advance fees and returned payment fees.

What is the card’s APR?

The annual percentage rate (APR) or interest rate on a card is a key facet to consider when picking a card with no foreign transaction fee. Some rewards credit cards have APRs that are usually on the higher end of average, which can mean a lot when it comes to carrying a balance on the card and what purchases you make abroad. Be sure to know what you’ll be charged if you can’t pay your bills off in full each month.

Still unsure if a no foreign transaction fee credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Foreign transaction fees and credit card issuers

Foreign transaction fees by credit card issuers vary wildly. Issuers like Amex and Discover have their own payment networks while other issuers, like Capital One or Chase, use Visa’s or Mastercard’s networks. Also, it’s not unusual for an issuer to charge a foreign transaction fee with some cards but not with others.

Here’s a quick look at how the fee structure breaks down among several major credit card issuers:

How to use a credit card internationally

Money talks, but your money needs a translator when it goes overseas. Here are the important actions to take before traveling abroad with your credit card:

  • Contact your bank before you go. Notifying your card issuer and bank that you’re traveling internationally will avoid any inconveniences like frozen accounts due to suspected fraud.
  • Check the payment network coverage. While Visa, Mastercard, Amex and Discover are all accepted widely, there are some regions that don’t accept certain networks. Always check acceptance before hand, travel with at least one card from two different networks and convert your currency before heading to the airport.
  • Take your chip and PIN credit card. Chip and PIN cards were first introduced in Europe, and many other regions of the world have embraced the technology. While magnetic stripe “swipe” cards might still work in some of these countries, using them may slow down the purchase or cause confusion.
  • Always use credit. Cash, while convenient, is easy to misplace and there’s little you can do to replace it if it’s lost or stolen. If your credit card is lost or stolen, the maximum amount of fraudulent purchases you can be liable for is $50, thanks to the Fair Credit Billing Act. Have your card issuer’s customer service number ready so you can report your card as lost or stolen quickly if you notice that it’s missing.

How to save on credit card fees when traveling abroad

If you’re traveling abroad, making purchases on your credit card can cost you up to 3 percent in additional fees on every purchase. One of the simplest ways to avoid that extra cost is to use a card that doesn’t charge a foreign transaction fee. Apart from a card with no foreign transaction fees here are some of the steps you can take to avoid foreign transaction fees on your next overseas trip:

Pay in the local currency. Merchants abroad may ask you to choose between paying in U.S. dollars or the local currency. Merchants can offer to let you pay in your local currency using dynamic currency conversion. Dynamic currency conversion almost always costs the consumer more than what the credit card issuer charges. On top of that, you’ll likely still be charged a foreign exchange fee because a foreign bank will process the transaction. Paying in the local currency will usually be the less expensive option.

Exchange currency before you travel. Before you travel stop by your local bank and ask to exchange your dollars for your destination’s currency. Your bank will likely charge a low foreign exchange fee—or no foreign exchange fee at all. It’ll beat the exchange fees at the airport by a long shot.

Check if you’re eligible for VAT refunds. VAT or value-added tax is a flat tax levied on purchases. The full amount of the tax is owed to the government by a consumer at the time of purchase. Some destinations offer visitors a refund on value-added tax on goods or merchandise. Details will vary by country but typically you’ll need to ask the merchant to help you fill out a tax form then show that form to customs upon your departure.

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The more you know…
Due to impacts of the pandemic, many cardholders requested a fee waiver for items such as annual fees or late payment fees. Of those who asked for a waiver, 82% got some form of relief, according to Bankrate’s study.

How we chose our list of best no foreign transaction fee cards

Bankrate uses a comprehensive system to evaluate credit cards and produce a 5-star score. In the case of no-foreign-transaction-fee cards, we’ve emphasized the criteria most relevant to consumers looking to maximize the value of their international purchases.

Annual fee

Most cards on our list are free of both annual fees and foreign transaction fees. However, some annual-fee cards offer incentives, like a large welcome or introductory offer, that offset the yearly cost of membership. For this category, we evaluated whether the total value justifies the cost of using the card.

Rewards value

We place priority on cards that put money back in your wallet — regardless of whether you're using it in Tucson or Tuscany. For each card, we've evaluated the earnings rate and corresponding redemption value to identify the cards that accomplish more than just offering a line of credit.

Additional perks

Travel perks may not be your main motivation for getting a no foreign transaction fee card, but they often provide additional benefits that increase the card’s total value. Several credit card issuers offer additional features, like travel accident insurance or trip delay insurance, to make their cards more useful to consumers.

More information on overseas travel and credit cards

If you still need to do some research, check out these resources from Bankrate:


Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

Frequently asked questions

about the author
Mariah Ackary is a personal finance writer who specializes in small businesses and credit. Mariah is a lifelong writer, but joined the Bankrate team in 2019, excited by the opportunity to help people make good financial decisions. Send your questions to mackary@bankrate.com
about the editor
Former Senior Editor Barry Bridges has been writing about credit cards, personal loans, mortgages and other personal finance products since 2017. Before joining Bankrate, he was an award-winning newspaper journalist in his native North Carolina.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.