Many cards add a foreign transaction fee on purchases made outside the United States. On a big trip it adds up: Chase's own example is $150 saved on $5,000 of international spending with a card that doesn't charge one. Every card below shows no foreign transaction fee on its issuer page as of October 22, 2026.
Advertiser disclosure: Fareroo is independent. Card links marked Partner are affiliate links: if you click and are approved, Fareroo may earn a commission from the issuer or an affiliate network, at no cost to you. That compensation may affect which cards appear on this page and in what order. Unmarked card links go straight to the issuer's official page and earn us nothing. We don't cover every card on the market. Card details below were checked on the issuers' official pages on October 22, 2026. Terms, fees and offers change often, so always read the issuer's current terms before you apply.
The picks
Capital One VentureOne Rewards Credit Card
Annual fee$0Foreign transaction fee$0 (none)
$0 annual fee and no foreign transaction fee: a low-cost card to carry abroad.
Earning
- Unlimited 1.25 miles per dollar on every purchase
- 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
Worth knowing
- Redeem miles toward travel purchases or book through Capital One Travel
- Miles don't expire for the life of the account
Welcome offers vary by where you apply and change often, so we don't list amounts. Details checked on the official Capital One page on October 22, 2026. Terms apply.
Wells Fargo Autograph® Card
Annual fee$0Foreign transaction fee$0 (none)
$0 annual fee, no foreign transaction fee, and 3X on travel and transit.
Earning
- Unlimited 3X points on restaurants, travel, gas stations and EV charging, transit, popular streaming services and phone plans
- 1X on other purchases
Worth knowing
- Transfer points to select travel loyalty programs
- Cell phone protection up to $600 when you pay your phone bill with the card ($25 deductible)
- Visa Signature Concierge and Luxury Hotel Collection access
Welcome offers vary by where you apply and change often, so we don't list amounts. Details checked on the official Wells Fargo page on October 22, 2026. Terms apply.
Capital One Venture Rewards Credit Card
Annual fee$95Foreign transaction fee$0 (none)
2X on every purchase, including abroad, for $95 a year.
Earning
- Unlimited 2X miles on every purchase
- 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Worth knowing
- Miles don't expire for the life of the account; no blackout dates
- Miles can be transferred to participating travel loyalty programs
- Up to $120 credit for Global Entry or TSA PreCheck
Welcome offers vary by where you apply and change often, so we don't list amounts. Details checked on the official Capital One page on October 22, 2026. Terms apply.
Chase Sapphire Preferred® Card
Annual fee$95Foreign transaction fee$0 (none)
No foreign transaction fee plus trip delay, baggage and rental-car protections.
Earning
- 5x points on travel purchased through Chase Travel
- 3x on dining, gas stations, EV charging and vacation homes at select top brands
- 3x on select streaming services and online grocery (excludes Target, Walmart and wholesale clubs)
- 2x on other travel, 1x on everything else
Worth knowing
- Points transfer to 10 airline and 4 hotel programs, including United, Southwest, Air Canada Aeroplan, Flying Blue, British Airways, Singapore KrisFlyer, World of Hyatt, Marriott Bonvoy and IHG
- Up to $100 a year in statement credits for hotels booked through Chase Travel
- Up to $120 every four years toward Global Entry, TSA PreCheck or NEXUS
- Trip cancellation/interruption cover up to $10,000 per covered traveler and $20,000 per trip; primary rental-car coverage (secondary inside the US for New York residents)
Welcome offers vary by where you apply and change often, so we don't list amounts. Details checked on the official Chase page on October 22, 2026. Terms apply.
Citi Strata Premier® Card
Annual fee$95Foreign transaction fee$0 (none)
No fee for foreign purchases; 3X on air travel, hotels and restaurants.
Earning
- 10 points per $1 on hotels, car rentals and attractions booked on cititravel.com
- 3 points per $1 on air travel and other hotels, restaurants, supermarkets, and gas and EV charging
- 1 point per $1 on other purchases
Worth knowing
- Transfer ThankYou points to American Airlines, JetBlue, Virgin Atlantic, Cathay, EVA Air, Choice Hotels, The Leading Hotels of the World and others (minimum 1,000 points)
- $100 off one $500+ hotel stay a year booked through cititravel.com
- No fee for authorized users
Welcome offers vary by where you apply and change often, so we don't list amounts. Details checked on the official Citi page on October 22, 2026. Terms apply.
Capital One Venture X Rewards Credit Card
Annual fee$395Foreign transaction fee$0 (none)
Lounge access abroad through Priority Pass for primary cardholders, plus no foreign transaction fee.
Earning
- 10X miles on hotels and rental cars booked through Capital One Travel
- 5X miles on flights and vacation rentals booked through Capital One Travel
- 2X miles on all other purchases
Worth knowing
- Primary cardholders can use Capital One Lounges and 1,300+ Priority Pass lounges (enrollment required; access subject to space)
- Transfer miles to 15+ travel loyalty programs
- You can add cardholders to the account; check the issuer's terms for which benefits they get
Welcome offers vary by where you apply and change often, so we don't list amounts. Details checked on the official Capital One page on October 22, 2026. Terms apply.
Avoid the other abroad fees
- Choose local currency. If a terminal or ATM offers to charge you in U.S. dollars, decline. Their exchange rate is usually worse than your card network's.
- Carry two cards on different networks (for example Visa and Mastercard) in case one isn't accepted.
- ATMs: a credit card cash withdrawal is a cash advance with fees and interest. Use a debit card built for travel instead.
- Compare exchange rates and transfer fees with Fareroo's sister site Roamoji.
Questions people ask
What is a foreign transaction fee?
A fee some issuers add to purchases processed outside the U.S. or in another currency. The cards on this page show none on the issuer page we checked.
Should I pay in dollars or local currency abroad?
Local currency. Choosing dollars at the terminal lets the merchant's provider set the exchange rate, which usually costs more.
More card guides
Not financial advice. Fareroo is a travel-deals site, not a financial adviser, bank or lender. This page is general information to help you compare options; it doesn't consider your finances. A credit card only pays off if you pay the balance in full every month: interest and fees can quickly cost more than any rewards. Approval and terms are decided by the issuer. Never open a card just to chase a bonus you can't earn with normal spending.