Calculator: Best No Foreign Transaction Fee Cards 2021

Foreign transaction fees can eat into your rewards when shopping internationally. Avoid the fees with our best picks and calculate rewards based on spend.

The Point Calculator's top picks for the best no foreign transaction fee credit cards are:

  • American Express® Gold Card
  • Capital One Quicksilver Cash Rewards Credit Card
  • Capital One Savor Cash Rewards Credit Card
  • Capital One Venture Rewards Credit Card
  • Chase Sapphire Reserve®
  • Citi Premier® Card
  • Sam's Club® Mastercard®
  • Costco Anywhere Visa® Card by Citi

American Express® Gold Card

If you spend heavy on restaurant purchases when traveling internationally, the American Express® Gold Card will be one of the best no foreign transaction fee credit cards for building rewards. It earns 4 Membership Rewards Points per $1 spent on restaurants worldwide and at U.S. supermarkets, 3 points per $1 spent on airfare, and 1 point per $1 on everything else. Benefits of the card includes $120 in annual dining credits and $120 in annual Uber Cash. Points can be redeemed for a 1 cents each towards airfare or be transferred to AMEX's airline and hotel partners which includes Delta Airlines, JetBlue Airways, Marriott International, and Hilton Hotels.

American Express® Gold Card
Rewards Rates
4X
Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
4X
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
1X
Earn 1X Membership Rewards® point on all other purchases.
Intro Bonus
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Annual Fee
$250
Authorized User Fee
$0 for the first five add'l cards, then $35 per card for the sixth card onward
Foreign Transaction Fee
0%
Main Card Highlights
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • $120 Uber Cash: 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.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Terms Apply.

Capital One Quicksilver Cash Rewards Credit Card

If you want a simple cash back credit card with no annual fee and no foreign transaction fee, you'll want to sweep up the Capital One Quicksilver Card. It earns an unlimited 1.5% cash back on all purchases worldwide. Cash back can be redeemed for statement credits, travel, gift cards, and just about anything else.

Capital One Quicksilver Cash Rewards Credit Card
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro Bonus
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees

Capital One SavorOne Cash Rewards Credit Card

The Capital One SavorOne Card is another great cash back option with no annual fee and no foreign transaction fee. It earns 3% back on dining and entertainment purchases, 2% back on grocery, and 1% back on all other purchases. The card pairs well with the Capital One Quicksilver Card to ensure that you'll never earn less than a 1.5% return on your spending.

Capital One SavorOne Cash Rewards Credit Card
Rewards Rate
3%
Earn unlimited 3% cash back on dining and entertainment
2%
Earn 2% at grocery stores
1%
Earn 1% on all other purchases
Intro Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No annual fee and no foreign transaction fee

Capital One Venture Rewards Credit Card

If you want to earn rewards towards travel on your international spending, consider the Capital One Venture Card. It earns an unlimited 2 Venture Miles per $1 spent on all purchases. Miles can be redeemed towards travel at a rate of 1 cent per mile or you can transfer your miles to Capital One's airline and hotel partners for a chance at even more value.

Capital One Venture Rewards Credit Card
Rewards Rates
2X
Earn an unlimited 2X miles per $1 spent on every purchase, every day.
Intro Bonus
Limited Time Offer: Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Earn unlimited 2X 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
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees

Chase Sapphire Reserve®

If you're looking for a premium credit card that offers elite travel benefits, look no further than the Chase Sapphire Reserve Card. It earns 3 Ultimate Rewards Points per $1 spent on travel and dining purchases and 1 point per $1 spent everywhere else. Points can be redeemed for travel through Chase Ultimate Rewards at a value of 1.5 cents per point which is fantastic. You can also transfer Ultimate Rewards Points to a handful of airline and hotel partners for a shot at even more value. Benefits of the card include $300 in annual travel credit, Priority Pass Membership, and top notch travel insurance.

Chase Sapphire Reserve®
Rewards Rates
3X
3X per $1 spent on travel after earning your $300 travel credit
3X
3X per $1 spent on dining
1X
1X per $1 spent on all other purchases
Intro Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
Annual Fee
$550
Authorized User Fee
$75 for each additional user
Foreign Transaction Fee
0%
Main Card Highlights

Citi Premier® Card

The Citi Premier Card is a great well-rounded credit card that earns 3 ThankYou Rewards Points per $1 spent on airfare, hotel, gas station, supermarket, and restaurant purchases and 1 point per $1 spent on everything else. Points can be redeemed through Citi for be transferred to Citi's airline and hotel partners.

Citi Premier® Card
Rewards Rate
3X
Earn 3X points per $1 spent at Restaurants and Supermarkets
3X
Earn 3X points per $1 spent at Gas Stations, Air Travel, and Hotels
1X
Earn 1X points per $1 spent on all other purchases
Intro Bonus
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Annual $100 Hotel Savings Benefit
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Sam's Club® Mastercard®

If you're a Sam's Club member, the Sam's Club Mastercard is a great credit card for travel. It earns up to 5% back at Sam's Club for Sam's Club Plus members, 5% back at U.S. gas stations on up to $6,000 per year (then 1%), 3% back on dining, and 1% back on everything else. Rewards earned with the Sam's Club Mastercard are issued annually in the form of either cash back or you can use it towards purchases in-store or online with Sam's Club. When spending internationally, you will be able to take advantage of the bonus cash back on dining.

Sam’s Club® Mastercard®
Rewards Rate
5%
5% cash back on gas anywhere (up to $6,000)
5%
Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club® Mastercard® and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.
3%
3% cash back on dining and takeout
1%
1% cash back on all other eligible purchases.
Intro Bonus
Get a $30 statement credit when you open a new account and make $30 in Sam’s Club purchases within 30 days.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Sam’s Club cardholders can easily make purchases, track spending, check and pay balances, and securely manage and freeze accounts via the Sam’s Club mobile app enabled by the Synchrony plug-in (‘SyPi’).
  • Rewards are automatically loaded onto membership cards and can be used for future purchases made both online and in-club, or exchanged for cash back.
  • Contact-free technology, including the integration of payments capabilities into Sam’s Scan & Go patented solution, both in-club and at the pump.
  • Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club® Mastercard® and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.

Costco Anywhere Visa® Card by Citi

If you're on the Costco side of the fence, the Costco Anywhere Visa Card is a fantastic card for building rewards on international spending. The card earns 4% cash back on gas station purchases (includes Costco Gas Station), 3% back on travel and restaurant purchases, 2% back in-store and online with Costco, and 1% back on everything else. Rewards are offered annually in the form of cash back or credit that can be used in-store or online with Costco. Being able to earn 3% on both travel and restaurant purchases worldwide is a big plus to this card.

Costco Anywhere Visa® Card by Citi
Rewards Rate
4%
4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
3%
3% cash back on restaurants and eligible travel purchases
2%
2% cash back on all other purchases from Costco and Costco.com
1%
1% cash back on all other purchases
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of top-rated credit cards that have no foreign transaction fee. Business cards will not appear in this list.

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Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
Updated 2021-05-13 By Robert Flowers III

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