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Best No Foreign Fee Credit Cards for January 2022

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No Foreign Fee

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Sponsored Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months

Chase Sapphire Preferred® Card
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On Chase's secure site
Rewards Rate
5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases
Welcome Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Ultimate Rewards
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
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American Express® Gold Card
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American Express® Gold Card
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Rates & FeesTerms Apply
On American Express's secure site
Rewards Rate
4X Membership Rewards® Points at restaurants, 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3x Membership Rewards® Points on flights booked directly with airlines or on amextravel.com, 1x Membership Rewards® Points on other eligible purchases
Welcome Offer
60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Extra Perks
Up to $240 in dining and travel credits. Terms apply.
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Chase Sapphire Reserve®
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On Chase's secure site
Rewards Rate
Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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
Welcome Offer
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Travel Perks
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
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Sponsored A new collaboration: Art x Platinum

The Platinum Card® from American Express
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On American Express's secure site
Rewards Rate
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, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1x points on eligible purchases
Welcome Offer
100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Airport Perks
Enjoy access to the Global Lounge Collection and up to $179 CLEAR® credit
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No Foreign Fee Credit Cards

A foreign transaction fee is an additional fee charged when you make a purchase through a foreign bank or in a foreign currency. The fee is associated with converting the dollars in your account to the local currency.

Foreign transaction fees vary from issuer to issuer but usually hover around 3%. Cards that don’t charge foreign transaction fees are typically associated with travel since the bank wants to incentivize you to use this card on travel-related purchases. Having a travel card in addition to an everyday use credit card is an important complement wallet to avoid unnecessary charges while traveling abroad.

Considerations

When paying with your card on international travel, you may be prompted by the credit card machine to pay your amount directly in USD as opposed to in the local currency. This is known as Dynamic Currency Conversion (DCC). Even though you may have a card that does not charge a foreign transaction, you might be tempted to take up DCC. However, in most cases DCCs are not advisable for a number of reasons. One such reason is because DCCs usually don't utilize favorable exchange rates. So while there is no 3% transaction fee, you may lose more purchasing power through the currency exchange. This is because the goods provider you are paying gets to set the currency exchange and therefore is likely to offer a poor conversion rate.

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