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No FX Fee

Best No Foreign Transaction Fee credit cards in United States

No-FX-fee credit cards in United States drop the foreign-transaction surcharge on purchases made abroad or in another currency.

*a card is filed here in one of three ways: a published issuer or regulator document we hold states a 0% foreign-transaction fee for it; the issuer's own page says, in a sentence about this card, that it charges no foreign-transaction fee (in the US, also when the issuer reports none to the CFPB); or the source listing we imported it from files it that way. Only a card filed on a quoted line or a regulator's record is re-read: we keep that quote and its source on the card's record and re-read the source every week. When the line is gone, a card filed on it leaves this list; a source we cannot re-read stops counting after 60 days (a CFPB survey, 14 months after the period it reports). A card filed by a document's 0% figure stays while that figure is the one on its record; a card filed by the source listing stays as the listing filed it, and we do not re-read the listing. Confirm the fee on the issuer's page before you travel.

225
No Foreign Transaction Fee cards filed
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AllNo Annual Fee402Rewards385Low Interest190Cash Back174Premium135Secured133Business129Travel103Travel Insurance91Welcome Bonus87No FX Fee82Credit Building78Dining66Airline51Balance Transfer49Gas & Fuel46Groceries390% Intro Purchases34Points33Hotel28Store & Retail23Lounge Access19Student19Fair Credit18No Credit History15Streaming14Entertainment12Transit11EV Charging10Military5
The ledger

All No Foreign Transaction Fee cards in United States

225 cards
JPMorgan Chase Bank№ 1

Aer Lingus Visa Signature® Card

Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.*

AirlineNo FX Fee
Annual fee$95per year
Top earn rateNot confirmed
First National Bank of Omaha (FNBO / First Bankcard)№ 2

Amtrak Guest Rewards® Preferred Mastercard®

Mastercard issued by First National Bank of Omaha (FNBO / First Bankcard).

No FX FeePremium
Annual fee$99per year
Top earn rateNot confirmed
Citibank / Citigroup№ 3

AT&T Points Plus® Card from Citi

Visa card issued by Citibank / Citigroup.

EV ChargingNo Annual Fee
Annual fee$0per year
Top earn rate3xgas and EV charging stations
Coastal Community Bank№ 4

Aven Bitcoin Visa Card

Visa card issued by Coastal Community Bank.

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rate2%Other
BECU (Boeing Employees Credit Union)№ 6

BECU Low Rate Credit Card

Visa card issued by BECU (Boeing Employees Credit Union).

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Bilt Rewards№ 7

Bilt Obsidian Card

Mastercard issued by Bilt Rewards.

No FX FeeRewards
Annual fee$95per year
Top earn rateNot confirmed
Bilt Rewards№ 8

Bilt Palladium Card

Mastercard issued by Bilt Rewards.

Lounge AccessNo FX Fee
Annual fee$495per year
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 11

Breeze Easy® Visa® Credit Card

Earn 40,000 bonus BreezePoints – that’s a $400 value, plus Breezy 1 benefits after spending $1,000 on purchases within the first 90 days.

AirlineBalance Transfer
Annual fee$89per year
Top earn rateNot confirmed
JPMorgan Chase Bank№ 12

British Airways Visa Signature® Card

Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.*

AirlineNo FX Fee
Annual fee$95per year
Top earn rateNot confirmed
Capital One№ 16

Capital One VentureOne Business

Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.

BusinessNo Annual Fee
Annual fee$0per year
Top earn rate5xhotels, vacation rentals and rentals cars booked through Capital One Business Travel
Capital One№ 17

Capital One VentureOne Rewards

Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening

No Annual FeeNo FX Fee
Annual fee$0per year
Top earn rate5xhotels, vacation rentals and rental cars booked through Capital One Travel
Barclays US (Barclays Bank Delaware)№ 18

Carnival® World Mastercard®

Mastercard issued by Barclays US (Barclays Bank Delaware).

DiningGroceries
Annual feeNot confirmed
Top earn rateNot confirmed
Community First Credit Union№ 19

Cash Back Visa Signature Credit Card

Visa card issued by Community First Credit Union.

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Kirtland Federal Credit Union№ 20

Cash Rebate VISA Platinum Card

Visa card issued by Kirtland Federal Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rate1.5%Not yet checked with Kirtland Federal Credit UnionOther
Navy Federal Credit Union№ 21

cashRewards Credit Card

You can earn $250 bonus cash when you spend $2,500 within 90 days of account opening

Cash BackNo FX Fee
Annual feeNot confirmed
Top earn rate1.5%Other
Navy Federal Credit Union№ 22

cashRewards Secured Credit Card

Visa card issued by Navy Federal Credit Union.

No FX FeeRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Century Bank№ 23

Century Bank Consumer Visa

Visa card issued by Century Bank.

No FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Champion Credit Union№ 24

Champion Credit Union Visa Platinum

Visa card issued by Champion Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Champion Credit Union№ 25

Champion Credit Union Visa Platinum Rewards

Visa card issued by Champion Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rate1xNot yet checked with Champion Credit UnionOther
JPMorgan Chase Bank№ 26

Chase Sapphire Preferred® Card

New Cardmember Bonus – 75,000 Points: To qualify, you must make $5,000 in purchases during the first 3 months from account opening.

No FX FeeRewards
Annual fee$95per year
Top earn rate5xChase Travel
Questions

Frequently asked

What is the best no foreign transaction fee credit card in United States?

The best no foreign transaction fee card in United States depends on your spending and goals. We list every no foreign transaction fee card we hold — 225 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a no foreign transaction fee credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a no foreign transaction fee card with other cards?

Yes. Many people pair a no foreign transaction fee card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these no foreign transaction fee card details are current?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.