If you are a frequent traveler, you might notice an unwelcome fee on your account statement - a foreign transaction fee (sometimes also called a currency conversion fee) of 2-3% on any purchase made outside of the U.S. Avoid this extra charge by applying for a no foreign transaction fee card - there are many on our site to choose from.
What you should know:
Be sure and check whether or not your card charges a foreign transaction fee.
There are lots of cards out there that offer no foreign transaction fees, as well as cash back and other rewards.
If you're a frequent traveler, look for a no-foreign-transaction fee card that gives you rewards on travel as well, so you can earn miles, cash back, and other great travel benefits.
Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.
This credit offer is only for people with Excellent credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Foreign Transaction Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. |
|---|---|---|---|---|---|
| 0% | 0% (12 billing cycles) | n/a | 14.99% or 18.99% (Variable) | $0 | 4% |
Excellent/Good Credit
Required FICO score for this card: 660 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.
This credit offer is only for people with Excellent or Good credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Foreign Transaction Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. |
|---|---|---|---|---|---|
| $0 | 0% (until September 2014) | 0% (until September 2014) | 10.9% - 18.9% (V) | $0 | 3% |
Average / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.
| Foreign Transaction Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. |
|---|---|---|---|---|---|
| $0 | n/a | n/a | 24.9% (V) | $0 | $0 |
Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.
This credit offer is only for people with Excellent credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Foreign Transaction Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. |
|---|---|---|---|---|---|
| 0% | 0% (12 billing cycles) | n/a | 14.99% or 18.99% (Variable) | $89, waived first year | 4% |
Excellent/Good Credit
Required FICO score for this card: 660 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.
This credit offer is only for people with Excellent or Good credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Foreign Transaction Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. |
|---|---|---|---|---|---|
| 0% | n/a | n/a | 15.24%26 (Variable) | $95 | 3% |
Average / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.
| Foreign Transaction Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. |
|---|---|---|---|---|---|
| $0 | 0% (until March 2014) | n/a | 19.8% (V) | $39 | $0 |
Average / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.
| Foreign Transaction Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. |
|---|---|---|---|---|---|
| $0 | n/a | n/a | 19.8% (V) | $0 | $0 |
A no foreign transaction fee credit card won't charge you any extra sneaky fees when you use your card to make purchases outside of the United States. Between baggage handling fees, car rentals, and hotel costs, the last thing you need to worry about when you're traveling is getting slapped with extra fees. Find a no foreign transaction fee card that offers rewards for travelers and reap even more benefits.
All Capital One cards feature no foreign transaction fees. More and more cards are offering this feature and waiving foreign transaction fees, but you need to make sure you read the fine print on some of them, to make sure you don't find a rude surprise on your credit card bill when you get home from traveling.
There are plenty of credit cards that offer perks for travelers, like priority check-in, free baggage checking, hotel rewards, and frequent-flyer miles. If you find yourself traveling overseas frequently, apply for a credit card that gives you maximum travel benefits and also features no foreign transaction fees.
If the card has an annual fee, think about how much money you anticipate spending in other countries during a year and figure out whether the money you spend on the annual fee is less than any foreign transaction fees charged by other cards.
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26 See the Citi card terms and conditions online.