Best Credit Cards with No Foreign Transaction Fees (2026)

By Bryce Casson, Founder · Cardocrat · Updated June 2026

The short answer: A card with no foreign transaction fees saves you roughly 3 percent on every purchase abroad. the Wells Fargo Autograph Journey℠ leads our ranking of no-FTF cards.

Foreign transaction fees, typically around 3 percent, are a silent tax on spending abroad. Carrying a card without them is the single easiest international travel upgrade.

Every card on this list charges no foreign transaction fee. We then rank them by travel earn rate at a flat 1 cent, so you get the best of both: no fees and strong rewards overseas.

Our top picks

1. Wells Fargo Autograph Journey℠ 5x on travel

The Wells Fargo Autograph Journey℠ has a $95 annual fee, plus a welcome offer of 60,000 bonus points ($600 value).

3x points on other travel and dining
No foreign transaction fees
Travel accident and baggage delay insurance

2. American Express® Platinum 5x on travel

The American Express® Platinum has a $895 annual fee, plus a welcome offer of 175,000 Membership Rewards® Points.

5x points on flights booked direct or via Amex Travel (up to $500k/yr)
5x on prepaid hotels via Amex Travel
No foreign transaction fees

3. Chase Sapphire Reserve® 4x on travel

The Chase Sapphire Reserve® has a $795 annual fee, plus a welcome offer of 100,000 Ultimate Rewards® Points.

8x Ultimate Rewards® points on Chase Travel purchases
$300 annual travel credit (auto-applied to travel purchases)
Points Boost: redeem points for up to 2x value on select Chase Travel bookings
No foreign transaction fees
$300 annual travel credit (auto-applied)

4. Robinhood Gold Card 3x on travel

The Robinhood Gold Card has a $50 annual fee, plus a welcome offer of 3% cash back on every purchase from day one.

5% cash back on travel booked through Robinhood Travel
No foreign transaction fees
Visa Signature benefits including travel protections and purchase security

5. American Express® Gold 3x on travel

The American Express® Gold has a $325 annual fee, plus a welcome offer of 100,000 Membership Rewards® Points.

3x points on flights booked direct or via Amex Travel
No foreign transaction fees

Compare the top cards

Card	Rewards rate	Annual fee	Welcome offer
Wells Fargo Autograph Journey℠	5x on travel	$95	60,000 bonus points ($600 value)
American Express® Platinum	5x on travel	$895	175,000 Membership Rewards® Points
Chase Sapphire Reserve®	4x on travel	$795	100,000 Ultimate Rewards® Points
Robinhood Gold Card	3x on travel	$50	3% cash back on every purchase from day one
American Express® Gold	3x on travel	$325	100,000 Membership Rewards® Points

Rewards rates and offers verified June 2026. Every point is valued at a flat 1 cent. Run your own numbers in the rewards calculator.

Frequently asked questions

What is a foreign transaction fee?

A surcharge, usually about 3 percent, that many cards add to purchases made outside the U.S. or in a foreign currency. No-FTF cards waive it entirely.

Do I still get charged by my card abroad if it has no FTF?

Not by your card issuer for the foreign transaction. You may still face a merchant or ATM fee, and you should always pay in the local currency, not dollars, to avoid bad conversion rates.

Which cards have no foreign transaction fees?

Most travel cards and many no-fee cards waive them. Cash back cards aimed at domestic use more often charge them, so check before you travel.

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Bryce Casson, Founder of Cardocrat. Every card is ranked by what it actually returns, with all points valued at a flat 1 cent and offers verified against issuer sources. About the author.