How do foreign transaction fees work?

A foreign transaction fee is a fee charged by your credit card issuer on every purchase you make that is processed through a foreign bank. You can even be charged a foreign transaction fee if you’re in the U.S. and make a purchase with a foreign merchant in foreign currency. The fee is calculated as a percent of your total purchase, usually around 3%.

How can I avoid foreign transaction fees?

You can avoid foreign transaction fees by always using a card that does not charge them for your foreign purchases

Which credit cards have no foreign transaction fees?

The majority of credit cards today don’t charge foreign transaction fees, and we’ve put together a collection of the best credit cards for frequent travelers in this post. There are certain credit card issuers (such as Discover and Capital One) that do not charge a foreign transaction fee on any of their cards. For other cards, you need to review the terms and conditions or rates-and-fees chart.

How can I find out if a credit card charges foreign transaction fees?

Credit card issuers are required to disclose any fees they charge on their credit cards. For an existing credit card, you can call the number printed on the back of your card, review the paper cardholder agreement that came with your card, or access your credit card account online. For a credit card you are considering, a list of all of the fees and charges can be found in the Schumer box that can be accessed via a link on the summary or application page.

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The 12 Best No Foreign Transaction Fee Credit Cards for Travelers [2024]

Updated: October 23, 2024, 10:50am CDT

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What You Should Know About Foreign Transaction Fees
Best Personal Travel Rewards Cards
Best No-Annual-Fee Travel Rewards Cards
Best Business Travel Rewards Cards
Everything Else You Need To Know
Final Thoughts

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If you’re a frequent international traveler, you’re probably familiar with foreign transaction fees, those pesky extra fees charged by your credit card company on every purchase you make outside of the U.S.

The fees can also be charged on transactions made with foreign banks, even if you’re making the purchase from the U.S. For example, if you purchase an airline ticket from a foreign company, you may be charged a foreign transaction fee.

Foreign transaction fees are widely unpopular, especially with travelers frequently paying their foreign expenses with credit cards. As a result, the list of credit cards that don’t charge these fees is growing as issuers introduce new card products without foreign transaction fees and remove them from some existing cards.

Let’s take a look at these fees and the best cards you can use to avoid them.

What You Should Know About Foreign Transaction Fees

What Is a Foreign Transaction Fee?

Foreign transaction fees are assessed by your credit card issuer on any transaction processed by a foreign bank. The common rate is around 3% of the total foreign purchase amount, and there is no limit to how much can be charged.

These fees are perfectly legal, but more and more credit card companies are eliminating them because informed travelers choose credit cards that don’t charge foreign transaction fees.

How To Find Out if a Credit Card Charges a Foreign Transaction Fee

In some cases, the promotional summary for a credit card doesn’t disclose whether there is a foreign transaction fee charged on the card. You may need to dig deeper to find out for certain.

Fortunately, all of the financial information you need can be found in what’s known as a Schumer box. It’s named after then-U.S. Rep. Chuck Schumer (now a senator), the New York congressman responsible for the legislation that requires credit card companies to clearly disclose costs and terms associated with each card.

All credit card companies must use a standard format for the Schumer box, so comparing cards became much easier after this legislation was passed in 1988.

For a credit card you’re considering, you can review the Schumer box online for that specific card by clicking on a link titled:

Rates and Fees
Terms and Conditions
Pricing and Rates
Interest Rates and Fee Summary
… or a link with a similar name

Here’s what you see in the Schumer box if the credit card you’re researching does not charge a foreign transaction fee:

Here’s an example of a section of the Schumer box for a credit card that does charge a foreign transaction fee:

Determining if your existing credit card charges a foreign transaction fee:

Call Your Credit Card Company — Contact your credit card company and ask whether your card charges a foreign transaction fee by calling the phone number printed on the back of your card.
Review Your Paper Cardholder Agreement — When you received your new credit card in the mail, a cardholder agreement was included. In the agreement, there’s a chart similar to the ones illustrated above that lists all the fees assessed on your card.
Access Your Account Online — Sign in to your online credit card account to access your cardholder agreement, which will include a breakdown of all fees and charges.

Bottom Line: While a 3% foreign transaction fee might not seem like much, it can add up quickly, whether you’re a frequent traveler or just take 1 big trip a year. In any case, by selecting a credit card without the fees, you won’t come home to a billing statement full of additional foreign transaction charges on your purchases!

Best Personal Travel Rewards Cards

Selecting a credit card that doesn’t charge foreign transaction fees is a real benefit for the traveler. But there are so many credit cards in the marketplace without these fees that savvy travelers choose a card that delivers even more benefits.

Let’s look at our picks for some of the top cards for international travel that have no foreign transaction fees.

The Platinum Card^® from American Express

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome OfferEarn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points

UP's Bonus Valuation*:
$1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

$695 annual fee (rates and fees)
Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 5X Membership Rewards^® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards^® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using your Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card^® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card^® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card^®.
$200 Uber Cash: Platinum Card^® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card^® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
$199 CLEAR^® Plus Credit: CLEAR^® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card^®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card^®. That's up to $50 in statement credits semi-annually. Enrollment required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
$695 annual fee.¤
Terms Apply.

Financial Snapshot

APR: See Pay Over Time APR
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum card. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card is the go-to card for luxury travel benefits. With premier access to airport lounges worldwide, complimentary hotel elite status, car rental program benefits, and a long list of travel insurance benefits, it’s to be expected that this premium travel rewards card wouldn’t charge fees on foreign transactions (rates & fees).

Add in the hundreds of dollars of savings in the form of statement credits for specific purchases and the card easily earns a place in any frequent traveler’s wallet.

Read our review to find details on the Amex Platinum card foreign transaction fees.

American Express^® Gold Card

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome OfferEarn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
60,000 points 

UP's Bonus Valuation*:
$1,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

$325 annual fee (rates and fees)
No lounge access

Read Full Review

Card Highlights

Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
No Foreign Transaction Fees.
Annual Fee is $325.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Financial Snapshot

APR: See Pay Over Time APR
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90k points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Gold card has an identity problem. On one hand, it shines as an everyday rewards-earning card for spending at restaurants and at U.S. supermarkets, but on the other, also rewards specific travel purchases. And, at redemption time, Membership Rewards points earned on the card are there for good-value travel redemptions whether via AmexTravel.com or transferring points to the Amex transfer partners.

We like that the card is so diverse and also that it also offers a generous upfront welcome bonus offer.

Bottom Line: The American Express collection of cards with no foreign transaction fee offers strong benefits for the frequent traveler and options equally suited to those with loyalty to a specific brand. A combination of cards could offer the perfect umbrella of benefits for the frequent traveler. See our full list of Amex credit cards if you’re looking for even more choices from American Express.

Chase Sapphire Reserve^®

U.P. Rating

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Welcome OfferEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 points

UP's Bonus Valuation*:
$1,200

Annual Fee

$550

APR

21.99% - 28.99% Variable

Credit Recommended

Excellent (740-850)

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros & Cons

Pros

10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
10x points on Lyft purchases through March 31, 2025
10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025

Cons

$550 annual fee
Does not offer any sort of hotel elite status

Read Full Review

Card Highlights

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck^®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Member FDIC

Financial Snapshot

APR: 21.99% - 28.99% Variable
Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

It’s difficult to compete with the Amex Platinum card when it comes to premium travel rewards cards, but the Chase Sapphire Reserve card also earns a nod as one of the best travel rewards cards.

We like that cardholders receive a $300 statement credit for travel purchases each year and that the card comes with complimentary Priority Pass Select membership that will give you access to over 1,400 airport lounges worldwide.

It’s not difficult to realize significant value with the card if you’re a frequent traveler, especially when earning and redeeming valuable Ultimate Rewards points for great value.

Chase Sapphire Preferred^® Card

OFFER ENDING SOON

Chase Sapphire Preferred^® Card

U.P. Rating

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome OfferGet up to $1,050 in Chase TravelSM value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
$300 Chase Travel℠ Credit + 60,000 bonus points

UP's Bonus Valuation*:
$1,500

Annual Fee

$95

APR

20.99% - 27.99% Variable

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

5x points on all travel booked via the Chase Travel portal
5x points on select Peloton purchases over $150 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)

Cons

$95 annual fee
No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
Member FDIC

Financial Snapshot

APR: 20.99% - 27.99% Variable
Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

As one of our favorite travel rewards cards, the Chase Sapphire Preferred card is a perfect choice for your first travel rewards-earning card. Not only do you receive elevated earnings on dining and travel, at redemption time you receive 25% more in value for your points via the Chase Travel portal.

If your travel goals include enjoying a business or first class flight across the ocean, you’ll be pleased when transferring points to Chase airline and hotel partners. Plus, the card offers a grand collection of travel protections and benefits.

Bottom Line: The Chase Sapphire Preferred card and the Chase Sapphire Reserve card earn valuable Chase Ultimate Rewards points that can be redeemed for travel for up to 50% more in value through the Chase Travel portal or transferred to hotel and airline partners for even greater potential value.

Wells Fargo Autograph Journey℠ Card

Terms Apply / Rates & Fees

Wells Fargo Autograph Journey℠ Card

U.P. Rating

A powerful point earning card with access to transfer partners.

Learn More(at Wells Fargo's secure site)

Wells Fargo Autograph Journey℠ Card

A powerful point earning card with access to transfer partners.

Welcome OfferEarn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
60,000 points

UP's Bonus Valuation*:
$900

Annual Fee

$95

APR

20.74%, 25.74%, or 29.74% Variable APR

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Wells Fargo Autograph Journey^SM Card is an excellent option for those looking for a great all-around travel rewards card that offers bonus categories on hotels, airfare, travel, and dining, giving you the opportunity to earn points on these purchases quickly.

Plus the card offers flexible redemption options including access to transfer partners, an annual statement credit with airfare purchase, and no foreign transaction fees (rates & fees).

Pros & Cons

Pros

Earn 5x points on hotels
Earn 4x points on airfare
Earn 3x points on other travel and restaurants; 1x on other purchases

Cons

$95 annual fee
List of transfer partners is smaller than competing programs

Read Full Review

Card Highlights

Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
$95 Annual Fee.
Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
Earn a $50 annual statement credit with $50 minimum airline purchase.
Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Financial Snapshot

APR: 20.74%, 25.74%, or 29.74% Variable APR
Foreign Transaction Fees: None

The Wells Fargo Autograph Journey card is an excellent all-around travel rewards credit card thanks to its earning power on a variety of purchases such as 5x points on hotels, 4x points on airfare, and 3x points on restaurants and all other travel.

Beyond that, cardholders receive a $50 annual statement credit with a $50 minimum airline purchase, protection like cell phone insurance, auto rental collision damage waiver, lost baggage reimbursement, and access to Wells Fargo transfer partners.

Citi Strata Premier℠ Card

U.P. Rating

Citi Strata Premier℠ Card

Welcome OfferFor a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.
75,000 points

UP's Bonus Valuation*:
$1,200

Annual Fee

$95

APR

21.24%- 29.24% Variable APR

Why We Like This Card

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons

Pros

10x points on hotels, car rentals, and attractions booked through CitiTravel.com
3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
$100 annual hotel benefit

Cons

$95 annual fee

Read Full Review

Card Highlights

For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.
Earn 10X points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations.
Earn 1X point per $1 spent on all other purchases.
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card.
No foreign transaction fees on purchases.

Financial Snapshot

APR: 21.24%- 29.24% Variable APR
Foreign Transaction Fees: None

You have lots of earning power with 3x points at restaurants, gas stations, EV charging stations, supermarkets, hotels, and air travel.

You have choices at redemption time, too, when your ThankYou Points can be redeemed for travel, merchandise, and gift cards or transferred to travel partners.

Capital One Venture Rewards Credit Card

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome OfferEnjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles

UP's Bonus Valuation*:
$1,350

Annual Fee

$95

APR

19.99% - 29.74% (Variable)

Credit Recommended

Good to Excellent Credit (670-850)

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
2x miles per $1 on all other purchases
Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

$95 annual fee (rates & fees)
Limited elite benefits

Read Full Review

Card Highlights

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck^®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

APR: 19.99% - 29.74% (Variable)
Foreign Transaction Fees: None

Rewards Center

Capital One Miles

The Capital One Venture card earns 2x miles per dollar spent on every purchase you make.

At redemption time, you can purchase travel via Capital One Travel, or transfer miles to airline partners.

Best No-Annual-Fee Travel Rewards Cards

No foreign transaction fee credit cards that offer the highest levels of rewards and benefits typically charge an annual fee. However, there are plenty of no foreign transaction fee cards that do not charge an annual fee.

Here’s a sampling of those cards:

Hilton Honors American Express Card

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Hilton Honors American Express Card

U.P. Rating

Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Hilton Honors American Express Card

Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!

Welcome OfferEarn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
100,000 points

UP's Bonus Valuation*:
$500

Annual Fee

APR

20.24%-29.24% Variable

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

You can’t beat a comfy king-sized bed and room service. For many travelers, it’s the hotel that really makes or breaks an experience. If you’re one of those people, you’ve probably stayed at a Hilton hotel.

Whether your visits are for work or pleasure, the Hilton brand has you covered with more than 6,200 locations in 100 counties and territories.

To enjoy a host of great benefits, you may want to apply for the Hilton Honors American Express Card.

Pros & Cons

Pros

7x points per $1 on Hilton stays
5x points per $1 at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
3x points per $1 on all other purchases

Cons

Not great for those who want multiple redemption options
Offers the least benefits of all Hilton cards

Read Full Review

Card Highlights

Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Points for all other eligible purchases on your Card.
Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
No Annual Fee.
Terms Apply.

Financial Snapshot

APR: 20.24%-29.24% Variable
Foreign Transaction Fees: None

Rewards Center

Hilton Honors Loyalty Program

The Hilton Honors card works best for earning lots of Hilton Honors points to redeem for free hotel nights and securing entry-level Hilton Honors elite status.

Capital One VentureOne Rewards Credit Card

Terms Apply / Rates & Fees

Capital One VentureOne Rewards Credit Card

U.P. Rating

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Learn More(at Capital One's secure site)

Capital One VentureOne Rewards Credit Card

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Welcome OfferEarn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
20,000 miles

UP's Bonus Valuation*:
$360

Annual Fee

APR

19.74% - 29.74% (Variable),0% intro on purchases for 15 months

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.

But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?

Pros & Cons

Pros

No annual fee (rates & fees)
No foreign transaction fees (rates & fees)
Ability to use transfer partners

Cons

Weak earn rate at 1.25x miles per $1 spent on all purchases
No luxury travel or elite benefits

Read Full Review

Card Highlights

$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
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
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies

Financial Snapshot

APR: 19.74% - 29.74% (Variable),0% intro on purchases for 15 months
Foreign Transaction Fees: None

Rewards Center

Capital One Miles

The Capital One VentureOne card keeps it simple when it comes to earning rewards, with 1.25 miles earned per dollar spent on every purchase you make.

You then have several options at redemption time, including purchasing merchandise or gift cards. For the potential of greater value, you can also transfer miles to travel partners.

Bank of America^® Travel Rewards Credit Card

We like that the Bank of America Travel Rewards card offers unlimited 1.5x points for every dollar spent, has a $0 annual fee, and has no foreign transaction fees.

Bank of America^® Travel Rewards Credit Card

U.P. Rating

The Bank of America Travel Rewards card is a great option for those who want an easy way to earn travel rewards without paying an annual fee.

Bank of America^® Travel Rewards Credit Card

The Bank of America Travel Rewards card is a great option for those who want an easy way to earn travel rewards without paying an annual fee.

Welcome OfferEarn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening.
25,000 points

UP's Bonus Valuation*:
$250

Annual Fee

APR

0% Introductory APR for 15 billing cycles for purchases. After the intro APR offer ends, 18.24% - 28.24% variable will apply.

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Bank of America^® Travel Rewards credit card is a great option for those looking to dip their toe into the world of travel rewards cards, without paying an annual fee.

The card makes earning points and redeeming them for travel super easy for cardholders.

Pros & Cons

Pros

1.5x points per $1 you spend on all purchases
No annual fee
No foreign transaction fees

Cons

Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized redemptions

Read Full Review

Card Highlights

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.
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers made within the first 60 days, and a 4% fee applies thereafter.
If you’re a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
Contactless Cards – The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Financial Snapshot

APR: 0% Introductory APR for 15 billing cycles for purchases. After the intro APR offer ends, 18.24% - 28.24% variable will apply.
Foreign Transaction Fees: None

One big reason we like this card is that if you’re a Preferred Rewards member you can earn 25% to 75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87 to 2.62 points for every $1 you spend on purchases.

Bottom Line: You don’t have to pay an annual fee to secure a credit card that doesn’t charge foreign transaction fees!

Best Business Travel Rewards Cards

If you own a business, even a small business, that involves travel, you certainly want a travel rewards card that doesn’t charge foreign transaction fees.

Here are 2 of the best business travel rewards cards available.

Ink Business Preferred^® Credit Card

U.P. Rating

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Learn More(at Chase's secure site)

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome OfferEarn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
90,000 points

UP's Bonus Valuation*:
$1,800

Annual Fee

$95

APR

20.74% - 26.74% Variable

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection

Cons

No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Member FDIC

Financial Snapshot

APR: 20.74% - 26.74% Variable
Foreign Transaction Fees: $0

Rewards Center

Chase Ultimate Rewards

You want your highest business expenses to earn rewards, and the Ink Business Preferred card delivers. It has a nice collection of travel benefits and plenty of flexible options at redemption time to ensure you receive top value for Ultimate Rewards points earned on the card.

We like the card for its stellar level of benefits, including cell phone protection, compared to its lower annual fee.

The Business Platinum Card^® from American Express

ELEVATED OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome OfferEarn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points

UP's Bonus Valuation*:
$3,300

Annual Fee

$695

APR

18.74% - 27.74% Variable

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros & Cons

Pros

5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)

Cons

High annual fee of $695 (rates & fees)
Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

Welcome Offer: Earn 150,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
5X Membership Rewards^® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card^®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card^®, here.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
$199 CLEAR^® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card^®.
The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.

Financial Snapshot

APR: 18.74% - 27.74% Variable
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 250k points with the Amex Business Platinum card. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

With international airport lounge access and a 35% rebate when using Membership Rewards points for flights, the frequent business traveler could find tremendous value with the Amex Business Platinum card.

You get hundreds of dollars in statement credits for specific purchases and earnings of 1.5x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year).

If you’d like to learn more about these 2 popular business travel rewards cards, check out our in-depth comparison of earnings, redemption options, benefits, and more.

Bottom Line: Select a no foreign transaction fee business credit card based on the spending profile of your business to maximize earning rewards. Make sure the spending levels of your business offset any annual fees and that your travel is frequent enough to maximize the travel benefits offered with each specific card.

Please note that any additional benefit information we’ve provided is abbreviated and for general comparisons only.

All of the cards reviewed earn at least 1 point or mile per dollar spent on every purchase, so we’ve only included earnings in the additional benefits section that exceed this level.

You can see a complete list of benefits and current card offers is provided when you access each credit card summary page individually. Additional terms and conditions apply.

Hot Tip: With so many different issuers providing cards without foreign transaction fees, it’s not a bad idea to familiarize yourself with each bank’s specific rules prior to applying.

Everything Else You Need To Know

Once you’ve selected a credit card that charges no foreign transaction fees, make sure you minimize the plethora of other fees you might incur when securing foreign currency abroad (or simply paying for your foreign purchase with a credit card).

You may be surprised to learn that you can be hit with several fees as a result of 1 simple foreign transaction!

Cash Advances Abroad

While using your no foreign transaction fee credit card for purchases when traveling is a smart move, using that same credit card to secure a cash advance when you’re traveling can trigger additional fees and interest charges.

In an emergency, it’s good to know that a cash advance is an option, but it’s also important to understand the potential cost of doing so, even on a card that doesn’t charge a foreign transaction fee.

Currency Conversion Fees

The term “currency conversion fees” is frequently used interchangeably with “foreign transaction fees,” but there is a difference.

Converting foreign currency costs money. When your bank is charged by the processing network (such as Visa or Mastercard) for converting your purchase made in foreign currency to U.S. dollars, it passes the expense on to you.

In some cases, the foreign transaction fee your bank charges you includes the currency conversion fee they have been charged (usually around 1%). The bank can also tack on additional fees, bringing the total to around 3%.

Bottom Line: Foreign transaction fees are just one of the charges you need to be aware of when paying for foreign purchases with your credit card and securing foreign currency while traveling. Referencing your credit card’s Schumer box before traveling can help you avoid some of these fees.

Dynamic Currency Conversion

When you check out of your hotel or are presented with your dining bill in a foreign country, it might seem convenient that the total amount is already converted from the foreign currency to U.S. dollars. There’s no need to do any calculations to determine how much you’ll be paying — it’s been done for you!

This practice of presenting the bill in your home credit card’s currency (in this case U.S. dollars) is known as “dynamic currency conversion.” While it might seem convenient and harmless, the end results are not in your favor.

For example, let’s say you receive your foreign restaurant tab and there are 2 options for paying: You can select $106 or €86. You might do a quick calculation, think the totals make sense from a conversion perspective, and just pay the bill in U.S. dollars. Unfortunately, if you had paid €86, your U.S. bank would process the currency exchange based on the current rate — which in this case is closer to $96 (versus the higher $106 option on your bill).

Paying in U.S. dollars abroad adds a layer of cost to the transaction: U.S. dollars have to be converted to the local currency to pay the merchant, then back to U.S. dollars to bill you on your credit card.

When using a credit card, always pay your bill in the local currency of the country you’re in to ensure you get the best currency conversion rate.

Bottom Line: Never pay in U.S. dollars when using your credit card in a foreign country! If your bill is presented in U.S. dollars, ask that it be voided and changed to reflect the amount in local currency. If both options are available on the receipt, be sure the U.S. dollars option isn’t already checked before you sign the receipt.

Foreign ATM Fees

You may think you could avoid foreign transaction fees by using your debit card to withdraw money from foreign ATMs when traveling abroad. This is a logical assumption, plus ATMs are usually conveniently located and facilitate an easy transaction. But foreign ATMs can charge exorbitant fees.

Even if the foreign ATM fee is reasonable, your bank may add on foreign transaction fees, currency conversion fees, an out-of-network ATM fee, or other transaction fees.

Some banks (such as Charles Schwab Bank and Capital One 360) reimburse these fees, and other banks allow a limited number of no additional fee transactions per statement period.

Bottom Line: To minimize bank charges when abroad, review the fee disclosures associated with your debit card before you travel, and try to limit your withdrawals to 1 per trip. You can also open an account that reimburses ATM fees or allows a limited number of no additional fee withdrawals per month.

Final Thoughts

With the vast selection of credit cards that do not charge foreign transaction fees, it should be easy to find an appropriate card for your travel expenses that avoids these fees.

Remember to look at the Schumer box for any credit card you’re considering, and learn about the fees charged on your current credit card before you travel.

With just a small amount of research, you can minimize the fees that make international travel more expensive and avoid returning home to a credit card statement full of unexpected charges.

For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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The Best No Foreign Transaction Fee Credit Cards For Travelers (A Head to Head Review)

The information regarding the Bank of America^® Travel Rewards credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi Strata Premier℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card^® from American Express, click here.
For rates and fees of the American Express^® Gold Card, click here.
For rates and fees of the Hilton Honors American Express Card, click here.
For rates and fees of The Business Platinum Card^® from American Express, click here.

Table of Contents

Upgraded Points: Expertise You Can Trust

The U.P. Rating System

What You Should Know About Foreign Transaction Fees

What Is a Foreign Transaction Fee?

How To Find Out if a Credit Card Charges a Foreign Transaction Fee

Best Personal Travel Rewards Cards

The Platinum Card® from American Express

Apply With Confidence

Know if you're approved with no credit score impact

American Express® Gold Card

Apply With Confidence

Know if you're approved with no credit score impact

Chase Sapphire Reserve®

Chase Sapphire Preferred® Card

Wells Fargo Autograph Journey℠ Card

Citi Strata Premier℠ Card

Capital One Venture Rewards Credit Card

Best No-Annual-Fee Travel Rewards Cards

Hilton Honors American Express Card

Apply With Confidence

Know if you're approved with no credit score impact

Capital One VentureOne Rewards Credit Card

Bank of America® Travel Rewards Credit Card

Best Business Travel Rewards Cards

Ink Business Preferred® Credit Card

The Business Platinum Card® from American Express

Everything Else You Need To Know

Cash Advances Abroad

Currency Conversion Fees

Dynamic Currency Conversion

Foreign ATM Fees

Final Thoughts

The Platinum Card^® from American Express

American Express^® Gold Card

Chase Sapphire Reserve^®

Chase Sapphire Preferred^® Card

Bank of America^® Travel Rewards Credit Card

Ink Business Preferred^® Credit Card

The Business Platinum Card^® from American Express