Advertiser Disclosure
X

Advertiser Disclosure: The credit card and banking offers that appear on this site are from credit card companies and banks from which MoneyCrashers.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear on category pages. MoneyCrashers.com does not include all banks, credit card companies or all available credit card offers, although best efforts are made to include a comprehensive list of offers regardless of compensation. Advertiser partners include American Express, Chase, U.S. Bank, and Barclaycard, among others.

  • Date

By

Dig Deeper

26,707FansLike
25,787FollowersFollow
43,710FollowersFollow

Become a Money Crasher!
Join our community.

14 Best Credit Cards Without Foreign Transaction Fees

Advertiser Disclosure: This post includes references to offers from our partners. We receive compensation when you click on links to those products. However, the opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

Many credit cards’ foreign transaction fees range from 2% to 3% of the total amount of transactions denominated in foreign (non-U.S.-dollar) currencies. However, not every credit card charges you extra to make transactions outside the United States. There are a fair number of cards without any foreign transaction fees, including many co-branded hotel rewards and airline rewards credit cards, not to mention premium general-purpose travel rewards credit cards.

Many cards that don’t charge foreign transaction fees do charge annual fees, but you’ll still come out ahead when you spend heavily abroad. Once you’ve broken even on the annual fee, you’ll find cards without foreign transaction fees among the most reliable tools for saving money on international travel.

Without further ado, let’s take a closer look at the best credit cards with no foreign transaction fees.

Best Credit Cards With No Foreign Transaction Fees

These are the best credit cards with no foreign transaction fees on the market today.

1. Chase Sapphire Reserve® Card

3x Points per $1 Spent on Dining & Travel; 50% Bonus on Points Redeemed for Travel; $300 Annual Travel Credit

Chase Sapphire Reserve Card

Apply Now

The Chase Sapphire Reserve® Card is one of the most generous — and exclusive — travel rewards credit cards on the market. Every $1 spent on eligible dining and travel purchases earns 3 Ultimate Rewards points, with no caps or restrictions. All other eligible purchases earn unlimited 1 point per $1 spent.

Points redeemed for travel at the Ultimate Rewards portal are worth $0.015 apiece, a 50% boost to their baseline value. You can also redeem for cash back, gift cards, merchandise, experiences, and Amazon.com purchases.

This card’s cost — a $550 annual fee, plus $75 per authorized user — is an elephant in the room. But frequent travelers can more than offset it by spending heavily on travel, full exploiting the $300 annual travel credit, regularly visiting any of the more than 1,000 global airport lounges to which Sapphire Reserve cardholders enjoy complimentary entry, and availing themselves of the generous 1-to-1 point transfer arrangement with about a dozen popular travel vendors.

  • Sign-Up Bonus: Earn 50,000 Ultimate Rewards points when you spend at least $4,000 on purchases in the first three months. That’s worth up to $750 when redeemed for travel.
  • Earning Rewards: Earn unlimited 3 Ultimate Rewards points per $1 spent on travel and dining purchases worldwide. Travel purchases earn points only after the $300 travel credit is exhausted. Earn unlimited 1 Ultimate Rewards point per $1 spent on all other eligible purchases. Plus, through April 30, 2021, earn unlimited 3 points per $1 spent on eligible grocery store purchases.
  • Redeeming Rewards: The best way to redeem your Ultimate Rewards points is for travel bookings in the Ultimate Rewards travel portal. There, points are worth 50% more at redemption — a value of $0.015 apiece. For a limited time, Chase’s Pay Yourself Back feature also offers 50% more on redemptions for statement credits against certain eligible purchases, including dining purchases. Other redemption options include cash back via statement credit or bank account deposit, gift cards, direct purchases with partner merchants, and general merchandise purchased through the Chase Ultimate Rewards Mall.
  • Important Fees: The annual fee is $550. The authorized user fee is $75 per user, per year.
  • Introductory APR: There is no intro APR.
  • Other Perks: Fringe benefits abound. In addition to those listed above, highlights include special rental car discounts and privileges, and luxurious perks at hundreds of Luxury Hotel & Resort Collection properties around the world. Limited-time perks include up $60 in statement credits on DoorDash purchases through 2021, complimentary DashPass subscription with DoorDash through 2021, and up to $120 back on an eligible Peloton Digital or All-Access Membership through 2021.

Read our Chase Sapphire Reserve Card review for more information. Find out how to apply for this card here.

Apply Now


2. Citi Prestige® Credit Card

Complimentary Airport Lounge Access at Hundreds of Locations Worldwide; $250 Annual Travel Credit

citi prestige credit card

The Citi Prestige® Credit Card has an attractive rewards program: unlimited 3 ThankYou points per $1 spent on air travel and hotel purchases, unlimited 2 ThankYou points per $1 spent on dining and entertainment purchases, and 1 point per $1 spent on all other purchases.

The high annual fee — $495, plus $75 for each additional authorized user — is offset by a $250 annual travel credit, complimentary access to hundreds of airport lounges worldwide, a fourth night free on award hotel bookings of four nights or more, and a Global Entry application fee credit worth $100 every five years.

You can redeem ThankYou rewards for general merchandise, travel, gift cards, online bill-pay credits, and cash equivalents such as checks through Citi’s ThankYou portal; and online purchases at Amazon. Minimums vary by redemption method; cash equivalent redemptions start at $50.

  • Sign-Up Bonus: Earn 50,000 bonus points when you spend at least $4,000 on eligible purchases during the first three months. That’s worth up to $500 when redeemed for travel, with no blackout dates.
  • Earning Rewards: Earn unlimited 5 points per $1 spent on air travel and restaurant purchases. Earn 3 points per $1 spent on hotel and cruise line purchases. Points on travel-related purchases accrue only after the travel credit has been exhausted. Earn 1 point per $1 spent on all other purchases.
  • Redeeming Rewards: Redeem for travel purchases (including airfare and more) or opt for cash back, gift cards, and general merchandise at varying redemption values and minimums.
  • Important Fees: There’s a $495 annual fee for the primary cardholder and $75 for each authorized user.
  • Introductory APR: There’s no introductory APR promotion.
  • Other Perks: Prestige comes with a host of fringe benefits. In addition to the benefits outlined above, you’ll enjoy exclusive event and entertainment access through Citi Private Pass and a slew of travel insurance benefits.

Read our Citi Prestige Credit Card review for more information.


3. The Platinum Card® from American Express

Complimentary Airport Lounge Access at 1,000+ Locations Worldwide; $200 Annual Air Travel Credit

Amex Platinum Consumer Card Art

Learn More

The Platinum Card® from American Express is another ultra-exclusive travel rewards credit card. Its rewards program isn’t the most generous around: 5 Membership Rewards points per $1 spent on prepaid airfare and travel bookings made through the Amex Travel portal and 1 Membership Reward point per $1 spent on most other purchases. But the rewards program is not the main event here.

This card’s real firepower comes in its considerable fringe benefits: complimentary airport lounge access at more than 1,000 locations worldwide, a $200 annual air travel credit, and up to $200 in Uber credits annually, to name a few. Take full advantage of these benefits and you’ll more than offset the admittedly hefty $550 annual fee.

When it does come time to redeem your Membership Rewards points, you can avail yourself of cash, gift cards, travel, merchandise, Uber credits, and other items through the Membership Rewards portal.

  • Welcome Offer: Earn 75,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first 6 months. Plus, for a limited time, earn10 points on eligible purchases on your new card at U.S. gas stations and U.S. supermarkets on up to $15,000 in combined purchases during your first 6 months.
  • Earning Rewards: Earn 5 points per $1 spent on airfare purchased directly with airlines and prepaid hotels and airfare purchased through American Express Travel. Earn 1 point per $1 spent on all other eligible purchases.
  • Redeeming Rewards: Redeem for travel bookings (airfare and more) at American Express Travel, or opt for a dizzying array of other options: cash back, gift cards, general merchandise, and more.
  • Important Fees: The annual fee is $550.
  • Introductory APR: None.
  • Other Perks: Other benefits not enumerated above include special perks and discounts at Fine Hotels & Resorts program properties — an average total value of $550 — complimentary Hilton Honors Gold Status, complimentary Marriott Bonvoy Gold Elite Status, complimentary membership in popular car rental loyalty programs, and point transfers to partner travel loyalty programs at favorable rates.

Read our American Express Platinum Card review for more information. Learn more about this card and find out how to apply for this card here.

Learn More


4. Chase Sapphire Preferred® Card

2x Points per $1 Spent on Dining & Travel; 25% Bonus on Travel Redemptions

Chase Sapphire Preferred Card

Apply Now

The Chase Sapphire Preferred® Card earns you 2 Ultimate Rewards points for every $1 spent on dining and travel purchases, plus 1 point per $1 spent on all other purchases. Redeem your points for cash back (statement credits, direct deposits, or paper checks), gift cards, and merchandise through Chase’s Ultimate Rewards portal. Points are usually worth $0.01 each upon redemption.

In addition to no foreign transaction fees, the Sapphire Preferred Card has two big benefits for frequent travelers. First, you get a 25% points boost when you redeem for travel purchases — including airfare, hotels, and car rentals — made through Ultimate Rewards. For instance, a 50,000-point redemption is worth up to $625.

Second, you can transfer your Ultimate Rewards points to other travel rewards programs, such as frequent flyer and hotel guest programs, at a 1-to-1 ratio, regardless of the other programs’ typical point values. These perks more than offset the $95 annual fee.

  • Sign-Up Bonus: Earn 60,000 Ultimate Rewards points when you spend at least $4,000 on purchases within three months of opening your account. That’s worth up to $750 when redeemed for travel at the Chase Ultimate Rewards portal.
  • Earning Rewards: Earn unlimited 2 points per $1 spent on eligible travel and dining purchases, and 1 point per $1 spent on all other eligible purchases. Plus, through April 30, 2021, earn unlimited 2 points per $1 spent on eligible grocery store purchases.
  • Redeeming Rewards: The ideal way to redeem your Ultimate Rewards points is for travel bookings in the Ultimate Rewards travel portal. Doing so boosts your points’ redemption value by 25%, raising their value to $0.0125 apiece. For a limited time, Chase’s Pay Yourself Back feature also offers 50% more on redemptions for statement credits against certain eligible purchases, including dining purchases. Alternatively, redeem for cash back, gift cards, direct purchases with partner merchants, or general merchandise.
  • Important Fees: The annual fee is $95.
  • Introductory APR: There is no intro APR.
  • Other Perks: Enjoy VIP access to sports and entertainment events, including the PGA Championship and world-class chef dinners. Limited-time perks include complimentary DashPass subscription with DoorDash through 2021 and up to $60 back on an eligible Peloton Digital or All-Access Membership through 2021.

Read our Chase Sapphire Preferred Card review for more information. Find out how to apply for this card here.

Apply Now


5. Marriott Bonvoy Boundless™ Credit Card

6X Points on Marriott Purchases; 1 Free Award Night Each Year & Automatic Silver Elite Status

Marriott Bonvoy Boundless Credit Card

Apply Now

The Marriott Bonvoy Boundless™ Credit Card is an elite hotel rewards credit card with a stellar sign-up bonus and a strong rewards program that favors spending at more than 7,000 participating Marriott properties worldwide, offering endless opportunities to exercise this card’s foreign transaction fee waiver.

To frequent Marriott guests, Bonvoy Boundless’s $95 annual fee is more than offset by its anniversary free night allowance: That is, one free night at any participating Marriott Bonvoy that requires fewer than 35,000 points per night for award stays.

Cardholders automatically enjoy Silver Elite status as long as their accounts remain in good standing, without the usual nightly stay requirements. Silver Elite benefits include a 10% bonus on base points earned on paid Marriott stays and guaranteed room reservations with compensation if Marriott is unable to honor yours.

  • Sign-Up Bonus: Earn 75,000 Marriott points when you spend $3,000 on purchases in the first 3 months your account is open. That’s good for up to 10 free nights at budget-friendly Marriott Bonvoy hotels during periods of regular demand.
  • Earning Rewards: Earn 6 points per $1 spent on eligible Marriott purchases. All other eligible purchases earn 2 points per $1 spent.
  • Redeeming Rewards: Redeem for free nights at participating Marriott Bonvoy hotels. Redemptions generally begin at 7,500 points per night for budget-friendly Category 1 hotels and increase to 85,000 points for high-end Category 8 properties. You can combine cash and points at redemption if your balance is insufficient to redeem with points alone.
  • Important Fees: The annual fee is $95.
  • Introductory APR: None.
  • Other Perks: When you spend at least $35,000 in eligible purchases in a calendar year, you bypass the nightly stay requirements for Gold Elite Status and automatically qualify. Gold Elite status benefits include a 25% upgrade on base points earned on paid stays and free suite upgrades where available.

Read our Marriott Bonvoy Boundless Credit Card review for more information. Find out how to apply for this card here.

Apply Now


6. World of Hyatt Credit Card

4X Bonus Points on Hyatt Purchases

World Of Hyatt Card Art 9 1 20

Apply Now

Hyatt doesn’t have quite as many properties in its World of Hyatt program as does Marriott in Bonvoy, but the World of Hyatt Credit Card is nevertheless a great deal for frequent globe-trotters.

The World of Hyatt Credit Card’s generous sign-up bonus complements a solid rewards program that rewards spending at participating Hyatt properties, as well as restaurants, purchases made directly with airlines, and purchases of local transit and commuting services.

For heavy spenders, its free night allowance is even more generous than Bonvoy Boundless’s. And it confers complimentary Discoverist status in the World of Hyatt loyalty program, with benefits including a 10% bonus on base points earned on paid Hyatt stays and complimentary room upgrades where available.

For all that, the $95 annual fee is a small price to pay.

  • Sign-Up Bonus: Earn up to 50,000 bonus points in the first six months your account is open. First, you can earn 25,000 bonus points after spending $3,000 on purchases within the first three months. Then, you can earn 25,000 additional bonus points after spending $6,000 total in purchases within the first six months.
  • Earning Rewards: Earn 4 points per $1 spent on eligible Hyatt purchases, in addition to the 5 base points you’ll earn on paid Hyatt stays. Earn 2 points per $1 spent on purchases at restaurants, purchases made directly with airlines, purchases of gym memberships, and purchases of local transit and commuting services. Earn 1 point per $1 spent on all other eligible purchases.
  • Redeeming Rewards: Redeem for award nights and upgrades at participating Hyatt properties, subject to blackout dates and redemption minimums. Standard room redemptions begin at 5,000 points for budget-friendly Category 1 properties and range up to 30,000 points for high-end Category 7 properties. You can combine points and cash if your balance isn’t sufficient to redeem for a full award night.
  • Important Fees: The annual fee is $95.
  • Introductory APR: None.
  • Other Perks” Receive up to two free award nights at participating Category 1 through 4 properties each cardmember year: One after your cardmember anniversary when your account remains in good standing, and another when you spend at least $15,000 in eligible purchases in a cardmember anniversary year.

Read our World of Hyatt Credit Card review for more information. Learn more about this card and find out how to apply here.

Apply Now


7. Capital One® Savor® Rewards Credit Card

Unlimited 4% Cash Back on Dining and Entertainment; 2% Cash Back on Spending at Grocery Stores

With unlimited 4% cash back on dining and entertainment purchases and 2% cash back at grocery stores, the Capital One® Savor® Rewards Credit Card may be the most generous cash-back credit card on the market. Heavy spenders with standing dinner-out (or take-in) plans should have no trouble offsetting the $95 annual fee after the first-year waiver.

And, with no foreign transaction fee, the cost of sampling foreign cuisine on its home turf is a bit more manageable.

  • Early Spend Bonus: Earn $300 bonus cash when you spend at least $3,000 on purchases in the first three months your account is open.
  • Earning Rewards: Earn unlimited 4% cash back on eligible net dining and entertainment purchases. Earn 2% cash back on grocery store purchases. All other eligible purchases earn 1% cash back.
  • Redeeming Rewards: Redeem for statement credits or paper checks in any amount. Alternatively, set automatic redemption thresholds at $25, $50, $100, or $200.
  • Important Fees: The $95 annual fee is waived in the first year.
  • Introductory APR: None.
  • Other Perks: Enjoy a variety of Mastercard-backed benefits and perks, including complimentary rental car coverage, extended warranties, and certain travel protections.

Read our Capital One Savor Cash Rewards Credit Card review for more information.


8. Capital One® SavorOne® Cash Rewards Credit Card

Unlimited 3% Cash Back on Dining and Entertainment Purchases; 2% Cash Back on Grocery Store Purchases

Capital One Savorone Card Art 1 7 21

Learn More

The Capital One® SavorOne® Cash Rewards Credit Card is a less generous version of the Savor card. It earns 3% cash back on dining and entertainment purchases and 2% cash back on grocery store purchases — still a nice rate of return, especially considering it pairs its foreign transaction fee waiver with a $0 annual fee. Plus, SavorOne has a category-leading 15-month 0% APR promotion on purchases and balance transfers.

If you doubt you’ll spend heavily enough on dining and entertainment purchases to offset the Savor card’s $95 annual fee (after the first year), or you need to transfer a high-interest credit card balance or finance a big purchase, the SavorOne card is where to turn.

  • Early Spend Bonus: Earn $150 bonus cash after you spend $500 on purchases in the first three months your account is open.
  • Earning Rewards: Earn unlimited 3% cash back on dining and entertainment purchases. Earn 2% cash back on grocery store purchases. All other eligible purchases earn 1% cash back.
  • Redeeming Rewards: Redeem in any amount for statement credits or paper checks. Alternatively, set automatic redemption thresholds at $25, $50, $100, or $200.
  • Important Fees: There is no annual fee. The balance transfer fee is 3% on amounts transferred during the first 15 months.
  • Introductory APR: Enjoy 0% APR on purchases and balance transfers for 15 months from account opening.
  • Other Perks: Enjoy the same great travel and purchase protections afforded by the Savor card.

Learn more about this card and find out how to apply here.

Learn More


9. Capital One® Quicksilver® Cash Rewards Credit Card

Unlimited 1.5% Cash Back on All Eligible Purchases

capital one quicksilver cash rewards credit card

Learn More

The Capital One® Quicksilver® Cash Rewards Credit Card earns unlimited 1.5% cash back on all eligible purchases, with no caps or limits. You can redeem your points for cash back via statement credits or paper checks. Kick your spending off right with a $200 cash bonus when you spend at least $500 in eligible purchases within the first three months.

In addition to its lack of foreign transaction fees, the Capital One Quicksilver Cash Rewards Credit Card comes with Visa Signature benefits for travelers, including 24/7 travel assistance, travel upgrades and savings with select hotel brands and airlines, and complimentary concierge service for help with travel booking and management.

  • Early Spend Bonus: Earn a one-time $200 cash bonus (statement credit or check) when you spend at least $500 on eligible purchases in the first three months.
  • Earning Rewards: Earn unlimited 1.5% cash back on all eligible purchases, with no cap on how much you can earn.
  • Redeeming Rewards: Redeem in any amount for statement credits or paper checks. Alternatively, set automatic redemption thresholds at $25, $50, $100, or $200.
  • Important Fees: There’s no annual fee.
  • Introductory APR: There is a 0% APR introductory promotion for purchases lasting 15 months from your account opening date.
  • Other Perks: Card membership comes with free, unlimited access to your FICO score and a host of credit-building and credit-analysis tools. Plus, enjoy great Mastercard purchase and travel benefits.

Read our Capital One Quicksilver Cash Rewards Credit Card review for more information. Learn more about this card and find out how to apply for this card here.

Learn More


10. Capital One® Venture® Rewards Credit Card

Unlimited 2X Miles on All Eligible Spending

Capital One Venture Card Art 12 16 20

Learn More

The Capital One® Venture® Rewards Credit Card earns unlimited 2 miles per $1 spent on all eligible purchases, with no caps or restrictions.

This card has a fantastic early spend bonus. When you spend at least $3,000 in eligible purchases in the first three months your account is open, you earn a one-time bonus of 50,000 miles — worth up to $500 when redeemed for travel.

You can redeem your accumulated miles for statement credits against virtually any travel purchase, including airfare, hotel purchases, and car rentals. Alternatively, transfer your points to any of Capital One’s travel loyalty program partners, subject to transfer minimums and conversion ratios.

You can also redeem for cash equivalents (general statement credits, gift cards, or checks), although points are worth less when not redeemed for travel statement credits.

  • Early Spend Bonus: Earn a one-time bonus of 60,000 miles when you spend at least $3,000 on eligible purchases during the first three months your account is open. That’s worth up to $600 when redeemed against prior travel purchases.
  • Earning Rewards: Earn unlimited 2 miles per $1 spent on all eligible purchases, with no caps on how much you can earn.
  • Redeeming Rewards: Redeem for statement credits against prior travel purchases, subject to minimum redemption requirements.
  • Important Fees: The annual fee is $95.
  • Introductory APR: There’s no intro APR promotion.
  • Other Perks: Get unlimited FICO score access, credit-building help, and a slew of Mastercard-backed travel and purchase perks.

Read our Capital One Venture Rewards Credit Card review for more information. Learn more about this card and find out how to apply for this card here.

Learn More


11. Capital One® VentureOne® Rewards Credit Card

Unlimited 1.25X Miles on Eligible Purchases

capital one ventureone credit card

Learn More

The Capital One® VentureOne® Rewards Credit Card is to the Venture card what the Capital One SavorOne Cash Rewards Credit card is to the Savor card: a slimmed-down, junior cousin with still-solid rewards and no annual fee.

VentureOne cardholders earn unlimited 1.25 miles per $1 spent on all eligible purchases and claim a strong early spend bonus with $1,000 in purchases during the first three months.

A 12-month 0% APR promotion on purchases doesn’t hurt either; nor does the ability to transfer miles to any of Capital One’s travel loyalty program partners, subject to transfer minimums and conversion ratios.

  • Early Spend Bonus: Earn 20,000 bonus miles when you spend at least $500 on purchases in the first three months your account is open.
  • Earning Rewards: Earn unlimited 1.25 miles per $1 spent on all eligible purchases, with no caps or restrictions on how much you can earn.
  • Redeeming Rewards: Redeem for statement credits against prior travel purchases, subject to minimum redemption requirements.
  • Important Fees: There is no annual fee or balance transfer fee.
  • Introductory APR: Enjoy 0% APR on purchases for 12 months from account opening. There’s no corresponding balance transfer promotion.
  • Other Perks: This card has the same great lineup of perks as the grown-up Venture card.

Read our Capital One VentureOne Rewards Credit Card review for more information. Learn more about this card and find out how to apply for this card here.

Learn More


12. Citi Premier Card

Unlimited 3x Points per $1 Spent on Travel (Including Gas); 2x Points per $1 Spent on Dining and Entertainment Purchases

Citi Premier Card Art 10 22 20

Learn More

The Citi Premier Card earns unlimited 3 ThankYou points for every dollar spent on travel, including gas; unlimited 2 points per dollar spent on dining and entertainment; and unlimited 1 point per dollar spent on everything else, all with no spending caps or restrictions.

The sign-up bonus is nice too: 60,000 bonus points when you spend at least $4,000 on purchases within three months of opening your account. That’s enough to offset the $95 annual fee several times over.

You can redeem points for travel, cash, general merchandise, experiences, gift cards, and other items. Travel redemptions generally offer the best value. If you prefer, you can transfer accumulated ThankYou points to participating travel (airline and hotel) loyalty programs, often at 1-to-1 ratios.

  • Sign-Up Bonus: Earn 60,000 bonus points when you spend at least $4,000 on purchases within the first three months.
  • Earning Rewards: Earn unlimited 3 points per $1 spent on eligible restaurant purchases, supermarket purchases, airfare purchases, hotel purchases, and gas station purchases. Earn unlimited 2 points per $1 spent on eligible dining and entertainment purchases. All other eligible purchases earn unlimited 1 point per $1 spent.
  • Redeeming Rewards: To maximize your points’ value, redeem for travel purchases at the Citi ThankYou Rewards travel portal. Otherwise, redeem for cash back, gift cards, and general merchandise at varying redemption values and minimums.
  • Important Fees: There’s a $95 annual fee.
  • Introductory APR: There’s no intro APR.
  • Other Perks: Enjoy special access to presale tickets, VIP passes, and more with Citi Entertainment.

Read our Citi Premier Card review for more information. Learn more about this card and find out how to apply for this card here.

Learn More


13. Wells Fargo Propel American Express® Credit Card

Unlimited 3X Points on Travel, Local Transportation, and Dining Purchases

Wells Fargo Propel Card Art 12 13 19

Learn More

The Wells Fargo Propel American Express® Credit Card is arguably the best no-annual-fee travel card on the market for sign-up bonus and ongoing rewards. Most eligible travel purchases, plus a mix of non-travel purchases, earn 3 points per $1 spent. The 12-month 0% APR promotion on purchases and balance transfers doesn’t hurt either.

  • Sign-Up Bonus: Earn 20,000 bonus points when you spend at least $1,000 in the first three months your account is open. That’s a $200 cash value at redemption.
  • Earning Rewards: Earn unlimited 3 points per $1 spent on purchases with most travel providers, including airlines and hotel operators, plus purchases at U.S. gas stations and with transit providers, rideshare operators, restaurants, food delivery services and select streaming services. Earn unlimited 1 point per $1 spent on all other eligible purchases.
  • Redeeming Rewards: Redeem for airfare and other items through the Go Far Rewards portal, subject to minimums and restrictions.
  • Important Fees: There is no annual fee.
  • Introductory APR: Enjoy 0% APR for 12 months on purchases and balance transfers.
  • Other Perks: Enjoy generous purchase and travel protections backed by American Express, including extended warranties, lost luggage reimbursement, and more.

Read our Wells Fargo Propel American Express Credit Card review for more information. Learn more about this card and find out how to apply here.

Learn More


14. Bank of America® Travel Rewards Visa® Credit Card

Unlimited 1.5X Points on All Eligible Purchases

The Bank of America® Travel Rewards Visa® Credit Card is a great general-purpose travel card for cardholders averse to annual fees. With an above-average sign-up bonus and a simple rewards program, it’s a difficult card to fault.

Bank of America deposit account holders make out particularly well here, thanks to a relationship bonus scheme that can boost cash-back earnings by up to 75%.

  • Sign-Up Bonus: Earn 25,000 bonus points when you make at least $1,000 in eligible purchases during the first 90 days your account is open. This bonus is redeemable for a $250 statement credit toward prior travel purchases.
  • Earning Rewards: Earn 1.5 points per $1 spent on all eligible purchases, with no restrictions on how much you can earn.
  • Redeeming Rewards: The best way to redeem points is for statement credits against prior travel-related purchases, including airfare, hotel stays, vacation packages, cruise packages, rental car reservations, and baggage fees.
  • Important Fees: There is no annual fee.
  • Introductory APR: Enjoy 0% APR on purchases for 12 billing cycles from your account opening date.
  • Other Perks: Business Advantage Relationship Rewards members enjoy a cash-back boost of up to 75%, depending on relationship level.

Read our Bank of America Travel Rewards Visa Credit Card review for more information.


Final Word

Whether it’s a weekend road trip to Canada or a month-long sabbatical in Australia, your next vacation abroad is sure to be fun and rewarding. Low-foreign-transaction-fee credit cards certainly add to the convenience — and reduce the cost — of traveling abroad.

On the other hand, international travel has some financial pitfalls, including increased risk of theft. Savvy thieves are great at spotting travelers out of their element — and are ready to take advantage at a moment’s notice. Don’t make it easier for them. Before you hit the road, put a plan in place to protect your money while traveling, beyond simply having your credit card issuer’s fraud protection hotline on speed dial.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Brian Martucci
Brian Martucci writes about credit cards, banking, insurance, travel, and more. When he's not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Reach him on Twitter @Brian_Martucci.

Next Up on
Money Crashers

Couple Holding Sports Tickets

13 Places to Buy Cheap Discount Sports Tickets Online & Off

There are plenty of legitimate places to buy genuine tickets for top-tier professional leagues - often at a substantial discount. These are the top places to find good deals on cheap sports tickets.
Martin Luther King Day Activities Kids

8 Frugal & Fun Martin Luther King Day Activities for Kids

To many young children - and even some adults - Martin Luther King, Jr. Day is simply a day off from school or work....

Latest on
Money Crashers

Sign Up For Our Newsletter

See why 218,388 people subscribe to our newsletter.

What Do You Want To Do
With Your Money?

Make
Money

Explore

Manage
Money

Explore

Save
Money

Explore

Borrow
Money

Explore

Protect
Money

Explore

Invest
Money

Explore