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No Foreign Transaction Fee Credit Cards

No Foreign Transaction Fee Credit Cards

When you use about 90% of all credit cards while traveling abroad, you will get assessed a foreign transaction fee on each purchase (usually between 2% to 3% of your transaction amount). The foreign transaction fees can quickly add up so avoid them all together by applying for one of the credit cards with no foreign transaction fee listed below (some of which are CardHub advertising partners). Please remember to call your credit card company and tell them that you will be traveling outside the US so that they do not decline any of the purchases that you make while traveling. You may further expand or refine your search for a no foreign transaction fee credit card, including no foreign transaction fee student credit cards and business credit cards with no foreign transaction fees, by using the controls on the left.

Narrow your search for a No Foreign Transaction Fee Credit Card


    Capital One® VentureOne® Rewards Credit Card

    capital one ventureone rewards credit card
    • 0% PURCHASES until September 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.9% - 19.9% (V)
    REWARDS Miles
    BASE EARN 1.25 miles / $1
    MAX EARN 1.25 miles / $1
    • Earn unlimited 1.25 miles on every purchase, every day.
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel.
    • Fly any airline, stay at any hotel, anytime.
    • Enjoy a low intro APR on purchases.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn


    Chase Sapphire Preferred® Card

    chase sapphire preferred credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.99% (V)
    ANNUAL FEE None 1st yr, $95 after
    REWARDS Points
    BONUS 40,000
    BASE EARN 1 point / $1
    MAX EARN 3 points / $1
    • Earn 40,000 bonus points when you spend $3,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards℠.
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
    • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases.
    • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.


    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% PURCHASES until June 2015
    • 0% TRANSFERS until June 2015 ;   Fee.....3%
    • REGULAR RATE 12.9% - 22.9% (V)
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1.5%
    MAX EARN 1.5%
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Cash back doesn't expire and there’s no limit to how much you can earn


    Capital One® Venture® Rewards Credit Card

    capital one venture rewards credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.9% - 20.9% (V)
    ANNUAL FEE $0 for 1st yr, $59 after
    REWARDS Miles
    BASE EARN 2 miles / $1
    MAX EARN 2 miles / $1
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.
    • Earn unlimited 2X miles on every purchase, every day.
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn


    Capital One® Platinum Prestige Credit Card

    capital one platinum prestige credit card
    • 0% PURCHASES until December 2015
    • 0% TRANSFERS until December 2015 ;   Fee.....3%
    • REGULAR RATE 10.9% - 18.9% (V)
    REWARDS None

    Capital One® QuicksilverOne® Cash Rewards Credit Card

    capital one quicksilverone cash rewards credit card
    • 0% PURCHASES until June 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE $39
    REWARDS Cash Back
    BONUS None
    BASE EARN 1.5%
    MAX EARN 1.5%
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • Cash back doesn't expire and there’s no limit to how much you can earn


    Capital One® Secured Mastercard®

    capital one secured credit card
    • SECURED CREDIT CARD Min Deposit of $49, $99, or $200
    • ANNUAL FEE $29
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 22.9% (V)

    Marriott Rewards® Premier Credit Card

    marriott rewards credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.99% (V)
    ANNUAL FEE None 1st yr, $85 after
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 5 points / $1
    • Earn 50,000 Points after spending $1,000 in your first 3 months from account opening
    • Receive 1 Free Night Stay after account approval in Category 1-4 locations, that’s up to 7 Free Nights
    • Receive 1 additional free night stay at a Category 1-5 location every year after your account anniversary date!
    • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
    • Achieve Elite Status faster with Annual Credit & Everyday Purchases – 15 Elite Credits after account approval and every year after your account anniversary
    • Unlimited Point Accumulation


    Sony Card from Capital One®

    sony credit card
    • 0% PURCHASES until July 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.9% - 24.9% (V)
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 5 points / $1
    • Earn 5,000 bonus points after first purchase in your first 90 days.
    • 5 points per $1 at Sony Store and
    • 3 points per $1 on dining out and movie purchases.
    • 1 point per $1 spent on all other purchases.
    • Redeem for Sony products, movies, music & more


    United MileagePlus® Explorer Card

    united credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.99% (V)
    ANNUAL FEE None 1st yr, $95 after
    REWARDS Miles
    BASE EARN 1 mile / $1
    MAX EARN 2 miles / $1
    • Start with 30,000 bonus miles after you spend $1,000 in the first 3 months
    • Check your first bag for free – save up to $100 per roundtrip
    • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
    • Earn double miles on United ticket purchases, and 1 mile per $1 on all other purchases
    • Your miles don’t expire as long as you’re a Cardmember, with no limit to the number of miles you can earn
    • Use your miles for any seat, any time, on any United flight

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    Ask our Experts

    What is the cheapest way to convert currency?

    By: Odysseas Papadimitriou According to CardHub’s Currency Exchange Study, a credit card provides the cheapest form of currency conversion. As long as you’re using a credit card with no foreign exchange fees that is on the Visa or MasterCard network, you’ll save up to 7.9% and 14.7% on currency conversion relative to cash services offered at local banks and airports, respectively. Besides being cheapest, credit cards also provide the simplest means of currency conversion, given that it’s done automatically upon a purchase being made.

    Please keep in mind that 90.2% of all credit cards have an average foreign transaction fee of 2.45%, according to CardHub's data. That’s what makes planning ahead and getting one of the credit cards with no foreign transaction fee so important. Capital One used to be the only real player in this niche credit card category, but a number of other major issuers--including American Express, Chase, Citi and HSBC -- have since started offering credit cards without foreign transaction fees.

    What is the best no foreign transaction fee credit card?

    By: John Kiernan There isn’t really a single best no foreign transaction fee credit card, as how good a card really is depends on how well it fits your particular needs. Therefore, the best no foreign fee credit card is the one that not only meets your credit standing, but also allows you to maximize your rewards and thereby garner additional savings on top of the 2-3% you’re already saving in foreign fees. In addition, it is important to get a card on the Visa or MasterCard so that your card will be accepted in the highest number of global locations.

    Will my credit card work outside the U.S.?

    By: Odysseas Papadimitriou No special type of credit card is needed to make international transactions, though a no international fee credit card is necessary to avoid the 3% fee, that the vast majority of credit cards charge on any purchase processed outside the U.S. Whether a credit card will work in a given country solely depends on which of the four credit card networks it belongs to (i.e. Visa, MasterCard, American Express and Discover). Visa and MasterCard are accepted practically anywhere a credit card can be used worldwide. American Express’ reach is far less but still significant while Discover can only be used in about a quarter of the countries and territories that accept Visa and MasterCard outside the U.S.

    European countries are increasingly moving away from the magnetic stripe credit cards used in the U.S. in favor of chip-and-pin technology. As a result, while you will be able to use your U.S.-issued credit card 95% of the time, you may be unable to use your card at some vending machines and automated kiosks in airports and train stations. Depending on the country, you might also need to show your passport for proof of identity when using a credit card or debit card.

    What are chip-and-pin credit cards?

    By: Odysseas Papadimitriou Chip-and-pin credit cards are becoming the standard in Europe, Canada and Japan. The main difference between them and the magnetic stripe cards we use in the U.S. is the fact that chip-and-pin cards provide better fraud protection by adhering to global EMV standards. This heightened protection is due to the fact that a consumer has to input a Personal Identification Number (PIN) that must match data stored on a secure microchip embedded within the card for a transaction to be authorized. Some U.S. credit card companies are beginning to offer chip-and-pin cards as well as chip-and-signature cards and chip-based contactless payment methods. Therefore, global credit card interoperability appears only a matter of time. In the meantime, regular credit cards with no foreign transaction fees will be sufficient for all purchases made abroad.

    "Currently American cards do work in most places," says Eldad Boker, a professor with Johnson & Wales University’s Center for International Tourism. "Europe and Asia are moving rapidly toward a chip based card, which in the next few years will become a challenge for American tourists traveling without the chip based cards. Many automated kiosks in Europe already do not accept cards that are not equipped with the chip based technology. (Ex: Train and bus transportation system, some banks and others). With the spread of this technology to other parts of the world, the American tourist will need to request chip based card, from the issuing banks. A tourist without this type of a card will face many more challenges than a tourist that carries a chip- based card."

    Indeed, transactions made at unattended automated kiosks, such as those in train stations, may necessitate a chip-and-PIN card, as not even chip-and-signature cards will work given their lack of a PIN for identity verification. But very few U.S. banks offer chip-and-PIN cards, and you can get around the unattended kiosk issue by simply taking a debit card with low international withdrawal fees along with you.

    So, the standard magnetic stripe credit card will do the trick for now. That might change in a few years, but don’t worry, when chip cards become a true necessity it will be a big deal and you’ll hear about it.

    Tips for using your credit card abroad:

    By: Odysseas Papadimitriou There are a number of things you must do before using a credit card abroad, including:
    1. Get a no foreign transaction fee credit card before booking flights, hotels, etc. associated with an international trip. Do so as soon as possible because foreign transaction fees will be assessed for any purchase processed through a foreign merchant, even those you make before departing.
    2. Call your credit card company in order to notify them of your international travel plans and ask for a toll-free number to call in case you encounter problems. If you don’t tell your card issuer that you’re going to a particular country, your card will not work there.
    3. Keep your account number and credit card company’s phone number somewhere safe, because if your card gets lost or stolen, you’ll need both in order to get a new card sent to you.
    4. Some countries may require identification in order to authorize a U.S. credit card transaction so don’t forget your passport when you go shopping.
    5. At the checkout counter, decline any merchant’s offer to convert prices into U.S. Dollars, so you don’t fall victim to Dynamic Currency Conversion (DCC). "Some tourists are happy to know the amount they will be charged in US Dollars. The reality of 'knowing' the exact amount they are charged in US currency, is considered by some, to be ‘a value added’ service,” Professor Boker said. "Other customers react to the DCC phenomena in disapproving manner. When they realized that at Point of Sale (POS) the charge on their purchases is higher than what the credit card company would have charged, they are disapproving of the practice. Many react to this ‘revelation’ by suggesting that it was a ‘one-time thing,’ and from next trip on, they charge purchases in the local currency."

    What about cash?

    By: Odysseas Papadimitriou Whenever you travel abroad, it’s a good idea to have cash. While the level of importance obviously depends on how developed the country you’re visiting is (the more developed, the more merchants that accept international credit cards), it’s inevitable that you will find yourself needing to make at least a few cash-only purchases (e.g. cab fare). So what’s the best way to go about getting it? Well, for starters, do not even consider using a credit card for a cash advance, as this will be very expensive, in light of the cash advance fee and APR. Your best options are a debit card or an ATM card. As these cards also come with foreign transaction fees, it pays to shop around before opening one.

    Help others find the best no foreign fee credit card by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

    September 18, 2014
    Photo of Kevin S.
    By: Kevin Schumacher
    Lack of a foreign transaction fee, or a very low fee, are very important characteristics. I currently have a card from USAA that, while they claim there is a fee, does not actually charge one. (I realize they could start imposing the fee at any time, so it's not a perfect solution.) I visit Canada quite frequently and would pay quite a bit more for meals, goods and lodging if there were a foreign transaction fee.
    September 14, 2014
    Photo of Cindi H.
    By: Cindi Hounton
    I used to travel overseas a lot and I was always amazed that the currency exchange rate of the credit card was really favorable. This was back in the days before credit card companies started charging foreign transaction fees. My company explained to me that a credit card does not make its money by giving your an unfavorable rate. When the foreign transaction fees started, I looked for a card that did not charge this and I think that Cap One offers the best cards for this. However, it would be nice to get one that also has a chip. During my last trip to England it was really a pain to use my card because they had forgotten how to run cards without a chip. My blank look and American accent probably helped motivate them to get a manager who could put in the number manually but I always felt very awkward and there were certain machines that would not take my card at all.
    September 4, 2014
    Photo of Sara B.
    By: Sara Bolton
    I think that a card with no foreign transaction fees could be helpful for a casual traveler, but I think that would only come in handy a few times. I think it would be a lot more worth it for someone who travels often, especially if the fees are higher because of it.
    August 25, 2014
    Photo of Caitlin S.
    By: Caitlin Saia
    Having no transaction fee is definitely an important factor for me in considering a credit card. The lack of a fee would be a huge plus when traveling. I don't currently have a credit card, but am looking for one to build my credit. My past credit card had no transaction fee and this was particularly useful for me when studying abroad. I know for certain that when looking for another credit card in the future, I will search again for one without a transaction fee. It certainly helps in the long-term when managing my finances not to have to worry about incurring additional charges.
    August 17, 2014
    Photo of Aloysius C.
    By: Aloysius Chien
    Definitely cards with no transaction fees are useful even for casual travelers. I hoped over the border from Niagara Falls for a shopping trip on a whim with a friend of mine the other day. I remembered my United Mileage Explorer Plus card and I actually charged everything that day on my card and my friend gave me back cash when we got back home! So useful.
    August 2, 2014
    Photo of Nick T.
    By: Nick Tucci
    I only travel a couple times a year. When I do travel, beyond a few expenses, I realize that I don't really charge enough or high enough transactions in order for the foreign transaction fee to even make a difference, so I think it's only beneficial for people that travel very frequently.
    July 30, 2014
    Photo of Joe S.
    By: Joe Stevens
    I travel to London almost every year to visit friends and family and I cannot tell you how great it is to have a card that does not charge transaction fees. I went to Barcelona and I began to use my previous cards without thinking of the consequences and was very appalled at the amount of transaction fees I had built up. Even the smallest purchases get a percentage taken off which adds up. Having a card without transaction fees allows me to budget my vacation expenses ahead of time without having to re-capitulate every time I purchase anything. Obviously the foreign exchange rates can change and fluctuate but I am able to have a good approximation as to how much my dollars will get me. On my last trip I think I probably saved about $60 dollars as I did not have any fees charged to my account.
    July 20, 2014
    Photo of Lenny D.
    By: Lenny Deadski
    I am half dominican;If you ask anyone around me they tell you how sick they are of hearing this from me. I frequently travel back to my homeland to visit friends and family so a no fee foreign transaction card is key to making my many trips affordable. I wouldn't be able to express myself fully and see my loved ones if i didn't manage to snag a capital one venture card. Their rates aren't great but they approve almost everyone and save you money in the long run if you are a frequent travel like i am. I had to choose the capitial one venture card because of the rewards program, their lack of fees and how easily they approve people for their cards. I cant afford to have my credit score lowered so I have to be sure ill be approved be for i apply. Apply for capital one if you have crappy credit is the moral of this broke a** story!
    June 17, 2014
    Photo of Tim S.
    By: Tim Shaw
    Not having a foreign transaction fee is very important to me. I have gone to Canada several times and the first couple times I racked up a good chunk of money in fees. Then I used a card that did not have any foreign transaction fees and I probably saved about $30. That may not be a lot, but if you go out of the US often it will definitely add up. So I would definitely recommend looking for a card without foreign transaction fees, even if you only go out of the US once.
    June 1, 2014
    Photo of Jennifer M.
    By: Jennifer Mcgaha
    The lack of foreign transaction fees is a huge plus for me when searching for a new card. Every penny i spend or earn is precious to me and so if i can save even a small fee i will try my hardest to do so. My guy lives in Europe and so i often use my cards to buy gifts. My last card surprised me with a fee that i was not expecting for shopping on a foreign site. From that time on i remembered to check the small print and save myself fees that i was not ready for or willing to pay.
    May 24, 2014
    Photo of Theresa J.
    By: Theresa Johnson
    Many people seek cards without foreign transaction fees if they plan to travel a great deal, but they are great for people that are not traveling as well. If I buy items online from another country, there is always a chance that I will be charged a fee. Considering the fact that I buy items from overseas at least once or twice a month, this could save me a lot of money. These cards are also great if you plan to get a cash advance from an international bank with a US branch. I traveled from Boston to California a couple of years ago and had to pay hefty fees for my "foreign" transactions, even though I was never off US soil.
    May 22, 2014
    Photo of Chet R.
    By: Chet Ramsteak
    As a consumer that frequently shops online, I think that the lack of a foreign transaction fee is an ideal feature of a credit card. Given the widespread availability of the Internet, and the fact that we now see people and business from around the globe on a daily basis, those who purchase goods with a credit card from a foreign retailer are susceptible to be subjects of foreign transaction fees.
    April 18, 2014
    Photo of Grant H.
    By: Grant Hendrix
    I am surprised to learn about the foreign transaction fee. I would not want to use a card that has it because it would cost me a lot of money as I like to travel a few times a year. You really spend a lot of money on vacation so it really adds up.
    April 5, 2014
    Photo of Jonathan F.
    By: Jonathan Flemington
    I think that keeping foreign transactions to a minimum should be ideal for anybody who travels at least a few times a year. Minimizing any fees is generally key here, but one should really search for other benefits of the card. Perhaps there are more appealing perks to some other cards that apply to day-to-day life more so than one that only presents itself in rare occasions.
    March 26, 2014
    Photo of Casi D.
    By: Casi Danielle
    The best card on the market without a foreign transaction fee would have to be Capital One's Platinum Prestige Credit Card. It is the only card that has no transfer APR until 2015. It also has one of the lowest regular rates I have seen in any credit card of this type.I think that no fee cards of all sorts are important for everyone. A penny saved is a penny earned I always say. Besides, card companies make a boatload of money in many other ways. For the customer to pay a fee for other things on top of that is just bad business in my opinion.
    March 19, 2014
    Photo of David P.
    By: David Price
    As a casual traveler, I think that credit cards with no foreign transaction fees are always good to keep on hand. In fact, I already have the Chase Sapphire Preferred and since it's my daily driver I always have it on hand. I think everyone can benefit from cards with no foreign transaction fees because they have other benefits that are attractive.
    April 15, 2014
    Photo of Jerry Fuchs
    Jerry Fuchs
    I have the same card as you and I couldn't agree more. As someone who travels abroad for business frequently, Chase Sapphire Preferred is great as it has no foreign transaction fees and with the amount I travel this is a huge plus.
    March 15, 2014
    Photo of William B.
    By: William Boffa
    As a frequent traveller, I couldn't tell you how much of a difference it makes to have a credit card without foreign transaction fees. The amount of money I've spent just on these fees alone in the past has felt plain wasteful. But, as other people here seem to point out, there are definitely a whole lot of benefits aside from travelling. So much is globalised now and you'll find a lot of banks and cards will slap on foreign transaction fees for a purchase you've made with a foreign seller. So no foreign transaction fees means not having to consider any particular seller a disadvantage, just because they deal in a certain currency and it's great to have one less thing to worry about.
    March 10, 2014
    Photo of Sam S.
    By: Sam Simmons
    I agree with Geoff Mayer -- you don't need to be a globe-trotting international to reap the benefits of no foreign transaction fees! I often times find things I want cheaper on eBay being sold in different currencies other than USD. The perk allows me to take advantage of these cheaper prices without worrying about credit card fees.
    March 5, 2014
    Photo of Geoff M.
    By: Geoff Meyer
    For those interested in a card with no foreign transaction fee you don't need to travel internationally to get the benefits of the perk. Cross border transactions can also be considered "foreign." For example, if you purchase something in British Pounds and you live in the US and have the item shipped, you will still be subject to the foreign transaction fee. Also, credit card companies use the benefit to entice you to apply and usually don't impact the overall rate of the card. If you qualify for the card you should take a look at all the benefits and make an educated decision on which ones mean the most to you.
    February 25, 2014
    Photo of Michael C.
    By: Michael Covarrubias
    You don't have to be traveling frequently for a credit card without foreign transaction fees to look appealing. I for one would definitely want no fees if given the option. Plus there's always the possibility that i might go on an international travel and i could only imagine how fast those transaction fees add up. I for one don't want to feel like i'm being ripped off when i use my credit card internationally.You should consider the way that the credit card company processes your foreign currency transaction, i may be mistaken but i think foreign fees also apply when you make online purchases in another country.
    April 28, 2014
    Photo of Bryan McWethy
    Bryan McWethy
    I agree completely! Having foreign transaction fees would dissuade me from taking foreign vacations in the future, and I don't want to feel like I'm restricted in my future travels. I'm looking to go on vacations across the world in the future and don't want to have an even more limited budget while on those vacations because I have to account for foreign transaction fees. Even if I may not travel to other countries on a regular basis right now, it's a great perk if a credit card offers no foreign transaction fees.
    February 21, 2014
    Photo of Marc L.
    By: Marc Lin
    I think that no fee cards of all sorts are important for everyone. A penny saved is a penny earned I always say. Besides, card companies make a boatload of money in many other ways. For the customer to pay a fee for other things on top of that is just bad business in my opinion. So yes, no foreign transactions fees are important to all sorts of traveling tastes.
    February 17, 2014
    Photo of Andy I.
    By: Andy Ing
    I think the lack of a transaction fee is an important characteristic for me personally. I like to buy foreign things and those fees can add up fast. I bought something from Japan with Capital One's Platinum Prestige Credit Card to test the waters a while back and it was effortless. I checked the statement and there were no foreign transaction fees on it (Which made me say that it is the best card on the market without a transaction fee). It's been a few months now and I have no problems with the card so far.
    February 10, 2014
    Photo of Sophie O.
    By: Sophie Ogasawara-Neko
    I think I could only justify having a card tailored to avoid foreign transfer fees under one of two conditions: either it has to be a perk of a card I need for other reasons, or I have some reason to travel abroad with some regularity. The second condition definitely does not apply to me, and I think that if I was in a place, financially, where I could afford to travel abroad with regularity, I would probably have enough money that transfer fees wouldn't really be a big deal. I would probably prefer to either just prepare for those fees with my existing cards, or use other methods of payment, though if an offer for a card like this came up at the right time, I would at least consider applying for it.
    February 6, 2014
    Photo of Kyle A.
    By: Kyle Arnold
    I think anyone could benefit from a card that boasts no foreign transaction fees. If you travel abroad even one time, it's easy to imagine that those fees could add up to a lot. Even those of us who do not plan to travel internationally should think about this option when selecting a card. What happens if you purchase something online from a store in another country? I could be wrong, but wouldn't you get hit with fees then? Thinking outside the box is important when selecting your credit card.
    February 3, 2014
    Photo of Matthew N.
    By: Matthew Nelson
    There are a lot of factors to consider when choosing the appropriate credit card. Much like buying a vehicle, there is a lot more to consider than the price. With a credit card, it is important to understand what the interest rate is, cash back or reward programs, foreign transaction fees, customer service quality, fraud protection, and annual fees. All of these factors and many more play a role in finding the credit card that is right for you. In my case the first deciding factor was the annual fee. I don't generally like paying an annual fee because it is a sunk cost every year. Beyond that I look at how well the company takes care of its customers through customer service programs and early warning monitoring. Between those two things I have been able to narrow down the cards to a manageable size. From there it is as easy as picking out what else to add! Like putting the cherry on top!
    February 2, 2014
    Photo of Marcia S.
    By: Marcia SilveRose
    While certainly for people who travel a lot, having a credit card that does not charge foreign fees is vital, it is still equally important for those who only travel occasionally or perhaps just one time. I just don't even believe they are necessary. In planning a trip that is already expensive, I know from first hand experience that it is ultra frustrating and costly to have to pay these exorbitant charges. It's just another way for banks to show their greed. What happens for me is that it is making my opinion of the banks even more negative than before. It's very disheartening. In the future, I would definitely ensure my card doesn't charge those high fees even if going overseas is nothing but a dream.
    January 27, 2014
    Photo of David R.
    By: David Rabenberg
    Whether or not there is a foreign transaction fee can be an important factor when deciding on a credit card. If you are going to be going overseas and making purchases, then not having the fee is a great bonus to have. Why spend more money if you don't need to? For me, who doesn't spend much time overseas, it is more of an added benefit than it is something that is a deal-breaker. As I get older and travel more, the lack of foreign transaction fees would become more important.
    January 9, 2014
    Photo of Dana D.
    By: Dana Dunn
    When using a credit card I feel that it is important to look and see if there are any foreign transaction fees. I have a Capital One Secured Card and I used it to buy merchandise from the UK for my daughter. I was only willing to use the card because it has no fee. That comes in handy because with the cost of everything going up, it is nice to know that you are saving on something!
    January 6, 2014
    Photo of Kathleen M.
    By: Kathleen Morris
    I think that when a credit card doesn't have a foreign transaction fee it is a good thing. I have used my Chase Sapphire card for years both in the US and outside of the US and found that it's a great card to have no matter what the foreign transaction terms are. The card does have great benefits while traveling abroad because you get a great deal with the conversion rates. It is the only way to pay when traveling outside the US because exchanging cash or using other cards will always cost you more. That being said, any card that has no foreign transaction fee doesn't mean it is only useful for traveling in foreign countries. Having a credit card is a wonderful thing that comes in handy for emergencies or when you want to buy something. I view the lack of a foreign transaction fee as a perk, similar to a reward and it would not be a deal breaker for me in terms of applying for a card that does have a fee. Overall, when cards don't have foreign transaction fees, it is simply a perk because most of us are simply using our cards within the US. I would suggest if you are going to travel abroad, that you apply for a card that doesn't have a transaction fee, that way you save money. Otherwise, the cards that don't have foreign fees are just as good to use here in the states as they are anywhere else.
    January 3, 2014
    Photo of James L.
    By: James LeGrand
    The lack of a transaction fee would, in my opinion, be one of the most important options you can look at when deciding what credit card to go for. If you are the type of person who uses their credit card on a daily basis for smaller transactions. Then you don't want to get a card with transaction fees. The cost on these types of cards can add up extremely quickly. I learned this from personal experience a few years ago in Europe. The transaction fees were really hurting my budget.
    November 24, 2013
    Photo of Andy I.
    By: Andy Ing
    The best card on the market without a foreign transaction APR would have to be Capital One's Platinum Prestige Credit Card. It is the only card that has no transfer APR until 2015. It also has one of the lowest regular rates I have seen in any credit card of this type. The one downside to it is that there are no rewards, but I don't plan on buying enough things with a credit card to make the rewards worthwhile so it doesn't affect me. Another great thing about it is that there are no annual fees, whereas some other cards have them.
    November 25, 2013
    Photo of Card Hub
    Card Hub
    I completely agree with your recommendation. Another great option with 0% APR in transfers for 18 months (a few months longer than the CapOne Platinum card), no annual fee and no foreign transaction fee is the Discover it card. You also get 1%-5% in cash back but as you said this feature is not very important to you. An important caveat to this is that the international acceptability of Discover is inferior to that of MasterCard.