Find credit cards with no foreign transaction fees and calculate how much FTF costs on your next trip
32 no-FTF cards · Updated March 2026 · Methodology
Quick Answer
Check which credit cards charge foreign transaction fees before your next trip. We track the FTF status of 171 cards so you can avoid the typical 3% surcharge on international purchases.
A foreign transaction fee (FTF) is a surcharge of typically 3% applied to purchases made in a foreign currency or processed by a foreign bank. This fee appears on your credit card statement and applies to both in-person purchases abroad and online purchases from international merchants. Some cards waive this fee entirely.
Which credit cards have no foreign transaction fee?
Most premium travel cards waive foreign transaction fees, including the Chase Sapphire Preferred, Chase Sapphire Reserve, Amex Gold, Amex Platinum, Capital One Venture X, and Citi Premier. Many mid-tier cards also waive FTF, like the Capital One QuickSilver, Bilt Mastercard, and Discover it. Use the checker above to filter all no-FTF cards.
How much does a 3% foreign transaction fee cost?
On a $5,000 trip abroad, a 3% FTF adds $150 in extra charges. On a $10,000 trip, that's $300. Even for online purchases from international retailers, the fees add up. For frequent travelers or international online shoppers, a no-FTF card pays for itself quickly.
Do foreign transaction fees apply to online purchases?
Yes. If an online purchase is processed by a merchant in another country or in a foreign currency, your card issuer may charge a foreign transaction fee even though you made the purchase from home. This commonly happens with international retailers, subscription services, and some digital goods platforms.
Is Visa or Mastercard better for international travel?
Both Visa and Mastercard have near-universal international acceptance. Visa has a slightly larger global merchant network, while Mastercard sometimes offers better exchange rates. In practice, the difference is minimal. The foreign transaction fee charged by your specific card matters far more than the network.
Do debit cards have foreign transaction fees?
Many debit cards do charge foreign transaction fees and also have unfavorable exchange rates. Some online banks (like Charles Schwab) offer no-FTF debit cards. However, using a credit card abroad generally provides better fraud protection, better exchange rates, and the ability to earn rewards.
Does the Discover credit card have a foreign transaction fee?
No. The Discover it card charges no foreign transaction fee, which is unusual for a no-annual-fee card. However, the Discover credit card foreign transaction fee advantage is offset by limited international acceptance — Discover's network is significantly smaller outside the US compared to Visa and Mastercard. Carry a backup card for international travel.
Does the Costco credit card have a foreign transaction fee?
No. The Costco Anywhere Visa by Citi has no foreign transaction fee, making it a solid travel companion. The Costco credit card foreign transaction fee waiver applies to all international purchases, not just Costco transactions. It also earns 3% on restaurants and travel, making it competitive with many dedicated travel cards.
Are there business credit cards with no foreign transaction fees?
Yes. Most premium business credit cards with no foreign transaction fees include the Chase Ink Business Preferred, Capital One Spark Miles, Amex Business Gold, and Amex Business Platinum. These cards are ideal for businesses with international suppliers, overseas employees, or frequent cross-border transactions. Use the checker above to filter specifically for business cards.
Does Capital One charge a foreign transaction fee?
No. Capital One does not charge foreign transaction fees on any of its credit cards, including the no-annual-fee QuickSilver and Platinum cards. This makes Capital One cards an excellent default choice for international purchases. The Capital One credit card foreign transaction fee policy of $0 applies to both personal and business cards across the entire lineup.
Does Chase charge a foreign transaction fee?
It depends on the card. The Chase Sapphire Preferred, Sapphire Reserve, and all Ink business cards have no foreign transaction fee. However, Chase Freedom Flex, Freedom Unlimited, and some co-branded cards do charge a 3% foreign transaction fee. Always check your specific card's terms using the FTF checker above before traveling abroad.