When using your credit cards abroad, you usually need to pay a 2%~3% Foreign Transaction Fee (FTF). Some credit cards do not charge this fee, and thus are very suitable for using abroad. Here are some common credit cards with no FTF.
Note: Aside from the Foreign Transaction Fee, Visa/MasterCard may also charge a Dynamic Currency Conversion (DCC) Fee, which can be avoided by using local currency instead of US Dollars. See this FlyerTalk Thread for a detailed discussion.
Contents
Debit Cards
Although these two cards are not credit cards, we still want to mention them because they are so useful! No convenience fees on ANY ATM WORLDWIDE! No annual fee. No minimum deposit requirement. This is really a no-brainer. Everyone should consider getting one of them.
Credit Cards with No Annual Fee
- Marriott Bonvoy Bold™ Credit Card Review (2023.2 Update: 60k Offer)
- AmEx Hilton Credit Card Review (2023.2 Update: 100k Offer)
- Chase Amazon Prime Credit Card Review (2022.11 Update: $150 Offer)
- Bilt Mastercard Review: Pay Rent & Earn Rewards, Points Transferrable to Hyatt, UA, AA…(2022.10 Update: Rent Day)
- Wells Fargo Autograph Credit Card Review (New Card, 30k Offer)
- United Gateway℠ Card Review (2023.2 Update: 20k Offer)
- Apple Card Review (2022.3 Update: $75 Offer)
- Sofi Credit Card Review (2022.2 Update: $200 Offer)
- Capital One VentureOne Rewards Credit Card Review (2022.7 Update: 20k Offer)
- BoA Travel Rewards Business Credit Card Review (2021.10 Update: $300 Offer)
- Discover it Credit Card Review (2022.3 Update: No Credit History Required, $100 Offer)
- Barclays Wyndham Earner Credit Card Review (2023.1 Update: 30k Offer)
- Capital One SavorOne Cash Rewards Credit Card Review (2023.2 Update: $200 Offer)
- PenFed Gold Visa® Card Review
- PenFed Platinum Rewards Visa Signature® Card Review
- PenFed Power Cash Rewards Visa Signature® Card Review
- Capital One Quicksilver Cash Rewards Credit Card Review (2021.7 Update: $200 Offer)
- PenFed Pathfinder® Rewards Visa Signature® Card Review (2022.2 Update: 50k Offer)
- AmEx Amazon Business Prime Credit Card (2020.10 Update: $125 Offer; 5% Cap Is Effective)
- Discover it Miles Credit Card Review (2019.9 Update: $50 bonus for adding AU [TARGETED])
- Capital One Walmart Rewards® Mastercard® Review
- Discover it Business Credit Card (New Card)
- BoA Travel Rewards Credit Card Review (2018.7 Update: 25k Offer)
- Deserve EDU Credit Card Review (No SSN or Credit History Required for Students)
- Costco Anywhere Visa® Business Card by Citi Review (2019.12 Update)
- Deserve PRO Credit Card Review
- Costco Anywhere Visa® Card by Citi Review (2019.12 Update)
- Wells Fargo Business Platinum Credit Card Review
- First Bankcard Best Western Rewards Credit Card Review
- Bread AmEx Credit Card Review
- Barclays Priceline VIP Rewards Credit Card Review
- FNBO Amtrak Credit Card Review
- Barclays JetBlue Credit Card Review
- Barclays Priceline Credit Card Review
- Barclays AARP Travel Credit Card Review
Rewards Credit Cards
- Ink Business Premier℠ Credit Card Review (2022.10 Update: 100k Offer, Available Online Now)
- Capital One Venture Rewards Credit Card Review (2022.8 Update: 75k Offer)
- Amex Business Gold Card Review (2022.12 Update: 85k Offer)
- Citi Premier® Card Review (2023.1 Update: 60k Offer)
- AmEx Gold Card Review (2022.6 Update: 90k Offer)
- Chase Sapphire Preferred® (CSP) Review (2022.10 Update: 60k or 70k Offer)
- Capital One Spark Cash Plus Review (2022.3 Update: $1,000 Offer)
- Capital One Savor Cash Rewards Credit Card Review (2022.11 Update: New Uber Partnership)
- Ink Business Preferred℠ Credit Card Review (2023.1 Update: 100k Offer)
- Capital One Spark Cash for Business Review (Discontinued)
- Capital One Spark Miles for Business Review (2020.1 Update: 50k Offer)
- BoA Premium Rewards Credit Card Review (2019.7 Update: 50k Offer)
- US Bank FlexPerks Gold Credit Card Review (2020.3 Update: 30k Offer)
- Chase Ink Plus Business Credit Card Review (Discontinued)
Airline Credit Cards
- Southwest Rapid Rewards® Premier Credit Card Review (2023.3 Update: 50k Offer)
- Southwest Rapid Rewards® Priority Credit Card Review (2023.3 Update: 50k Offer)
- Chase Aeroplan® Card Review (2023.1 Update: 100k Offer)
- BoA Alaska Credit Card Review (2023.1 Update: 70k+$100 Offer)
- Barclays AAdvantage Aviator Red Credit Card Review (2022.12 Update: 60k+First Year AF Waived Offer)
- Barclays AAdvantage Aviator Business Credit Card Review (2022.10 Update: 80k+$95 Offer)
- Barclays Hawaiian Airlines Credit Card Review (2022.9 Update: 70k Offer)
- United℠ Business Card Review (2023.2 Update: 75k Offer)
- Delta SkyMiles® Gold Card from American Express Review (2022.9 Update: 75k Offer)
- Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Review (2022.7 Update: 60k Offer)
- BoA Air France KLM Credit Card Review (2022.5 Update: 70k Offer)
- Delta SkyMiles® Gold Business American Express Card Review (2022.8 Update: 50k Offer)
- Delta SkyMiles® Platinum Business American Express Card Review (2022.8 Update: 60k Offer)
- Delta SkyMiles® Platinum Card from American Express Review (2022.9 Update: 90k Offer)
- BoA Alaska Business Credit Card Review (2022.8 Update: 70 Offer!)
- Aer Lingus Visa Signature® Card Review (2022.7 Update: 75k+25k Offer)
- Iberia Visa Signature® Card Review (2022.7 Update: 75k+25k Offer)
- British Airways Visa Signature® Card Review (2022.7 Update: 75k+25k Offer)
- United℠ Explorer Card Review (2023.2 Update: 50k Offer)
- Southwest Rapid Rewards® Performance Business Credit Card Review (2021.4 Update: 80k or 70k+30k Offer)
- CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Review (2020.6 Update: 65k Offer)
- Synchrony Cathay Pacific Credit Card Review (2021.7 Update: 35k Offer)
- Banco Popular Avianca (AV) Vuela Credit Card Review (Discontinued)
- Southwest Rapid Rewards® Premier Business Credit Card Review (2020.9 Update: 60k Offer)
- Barclays Emirates Skywards Rewards Credit Card Review
- Barclays Emirates Skywards Premium Credit Card Review
- BoA Spirit Airlines Credit Card Review (Discontinued)
- Barclays AAdvantage Aviator Silver Credit Card Review
- Barclays JetBlue Business Credit Card Review
- Barclays JetBlue Plus Credit Card Review
- Barclays Hawaiian Airlines Business Credit Card Review
- Barclays Lufthansa (LH) Miles & More Credit Card Review
- BoA Free Spirit Credit Card Review
Hotel Credit Cards
- Marriott Bonvoy Boundless™ Credit Card Review (2023.2 Update: 3FN or 75k+$300 or 100k Offer)
- AmEx Hilton Surpass Credit Card Review (2023.2 Update: 150k Offer)
- AmEx Hilton Business Credit Card Review (2023.2 Update: 165k Offer)
- IHG® Rewards Club Premier Credit Card Review (2023.1 Update: 175k Offer)
- Barclays Wyndham Earner Business Credit Card Review (2023.1 Update: 75k Offer)
- AmEx Marriott Bonvoy Business Credit Card Review (2023.3 Update: 125k Offer is Back)
- IHG® Rewards Club Premier Business Credit Card Review (New Card, 140k Offer)
- IHG® Rewards Club Traveler Credit Card Review (2023.1 Update: 120k Offer)
- World of Hyatt Credit Card Review (2022.12 Update: 30k+15k Offer)
- Barclays Wyndham Earner Plus Credit Card Review (2023.1 Update: 60k Offer)
- AmEx Marriott Bonvoy Credit Card Review (2019.8 Update: Still Available via Product Change)
- Chase Marriott Bonvoy Business Credit Card Review (Discontinued)
- First Bankcard Best Western Rewards Premium Credit Card Review
All Premium Credit Cards
- AmEx Hilton Aspire Credit Card Review (2023.2 Update: 150k Offer)
- Chase Sapphire Reserve® (CSR) Review (2022.12 Update: 70k offer)
- Citi® / AAdvantage® Executive World Elite Mastercard® Review (2022.10 Update: 85k Offer)
- US Bank Altitude Reserve Credit Card Review (2022.9 Update: 50k Offer; No Long Requires Existing Relatinoship)
- AmEx Marriott Bonvoy Brilliant Credit Card Review (2023.1 Update: 95k Offer)
- Chase Ritz-Carlton Credit Card Review (2022.9 Update: Now Gives You 85k FN Without Annual Fee Increasing!)
- AmEx Platinum Card Review (2022.9 Update: 150k Offer)
- United℠ Club Business Card Card Review (2023.2 Update: 75k Offer)
- Amex Business Platinum Card Review (2023.2 Update: 150k Offer)
- Delta SkyMiles® Reserve Business American Express Card Review (2022.8 Update: 60k Offer)
- Delta SkyMiles® Reserve Card from American Express Review (2022.9 Update: 125k Offer)
- Capital One Venture X Credit Card Review (2022.6 Update: 75k Offer; Added Plaza Premium Lounges to Its Benefits)
- United℠ Club Infinite Card Review (2023.2 Update: 80k Offer)
- BoA Premium Rewards Elite Credit Card Review (New Card, 50k Offer)
- AmEx Platinum Card for Morgan Stanley Review (2023.1 Update: 100k Offer)
- AmEx Platinum Card for Schwab Review (2022.3 Update: 100k Offer)
- UBS Visa Infinite Credit Card Review (2020.8 Update)
- CNB Crystal Visa Infinite Credit Card Review (2020.1 Update: Benefits Are Significantly Weakened)
- Luxury Card MasterCard Titanium Card Review
- Luxury Card MasterCard Black Card Review
- AmEx Platinum Card for Goldman Sachs Review
- Luxury Card MasterCard Gold Card Review
- JP Morgan Reserve Credit Card Review (Identical to CSR, replaced JP Morgan Palladium)
- AmEx Centurion Card Review
- HSBC Elite Credit Card Review
- US Bank Korean Air (KE) SKYPASS Select Credit Card Review
Summary
Credit cards are not widely accepted in every country, so the Charles Schwab Debit Card and Fidelity Visa Gold Check Card are extremely useful since you can get cash from them. It’s always good to have them on hand.
Discover it is a no-brainer choice, and no credit history is required to get it (see Credit Cards for No Credit History). But Discover is not as widely accepted as Visa and MasterCard.
Legacy Citi Forward is a great card. If you have it, don’t even consider the cards below. It’s a pity that it’s no longer available for new applications.
BoA Travel Rewards, Capital One VentureOne, Capital One Quicksilver, and Barclaycard Arrival are all credit cards with no annual fee and no foreign transaction fee. You can choose one from them since they are very similar.
The other credit cards with annual fees are not always worth keeping. Please check if you need them based on your personal situation. See more details in the review of each credit card.