Top 10 · updated October 29, 2026

Best no foreign transaction fee credit cards

Cards whose issuer states there is no foreign transaction fee, ranked by yearly value.

1
U.S. Bank
U.S. Bank Smartly Visa Signature Card
2% cash back on every purchase with no caps, and up to an additional 2% cash back when paired with qualifying U.S. Bank accounts
Worth about $624 every year on typical spending — rewards and credits minus the $0 fee.
$624/ yearAnnual fee $0
2
Chase
Chase Sapphire Preferred Credit Card
5x points on Chase Travel · 3x points on dining, gas stations, EV charging, vacation homes, top streaming services, and online grocery
Worth about $561 every year on typical spending — rewards and credits minus the $95 fee.
$561/ yearAnnual fee $95
3
Capital One
Venture Rewards
2X miles on every purchase · 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
Worth about $554 every year on typical spending — rewards and credits minus the $95 fee.
$554/ yearAnnual fee $95
4
Barclays
Wyndham Rewards Earner Plus Card
6 points per $1 spent on eligible purchases made at Hotels by Wyndham · 4 points per $1 spent on dining, grocery store purchases, and travel
Worth about $552 every year on typical spending — rewards and credits minus the $95 fee.
$552/ yearAnnual fee $95
5
Chase
Chase Freedom Unlimited
1.5% cash back · 3% on dining and drugstore purchases
Worth about $540 every year on typical spending — rewards and credits minus the $0 fee.
$540/ yearAnnual fee $0
6
Chase
IHG One Rewards Premier Credit Card
24X total points per $1 spent when you stay at IHG Hotels and Resorts
Worth about $540 every year on typical spending — rewards and credits minus the $150 fee.
$540/ yearAnnual fee $150
7
Citi
Citi Strata Premier Card
10 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com · 3 points per dollar spent on Air Travel, Restaurants, Supermarkets, and Gas & EV Charging Stations
Worth about $531 every year on typical spending — rewards and credits minus the $95 fee.
$531/ yearAnnual fee $95
8
Capital One
Savor Rewards for Good Credit
3% cash back at grocery stores, on dining, entertainment and popular streaming services · 1% cash back on all other purchases
Worth about $528 every year on typical spending — rewards and credits minus the $0 fee.
$528/ yearAnnual fee $0
9
Wells Fargo
Wells Fargo Autograph Card
3X points on restaurants, travel, gas, transit, popular streaming services, and phone plans · 1X points on other purchases
Worth about $528 every year on typical spending — rewards and credits minus the $0 fee.
$528/ yearAnnual fee $0
10
Chase
Marriott Bonvoy Boundless Credit Card
17X total points per $1 spent at hotels participating in Marriott Bonvoy
Worth about $525 every year on typical spending — rewards and credits minus the $95 fee.
$525/ yearAnnual fee $95

Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending

Questions people ask

What is the best no foreign transaction fee credit card?

As of October 29, 2026, the U.S. Bank Smartly Visa Signature Card ranks first worth about $624 a year after its $0 annual fee on typical spending. The Chase Sapphire Preferred Credit Card and Capital One Venture Rewards come second and third.

How are these no foreign transaction fee cards ranked?

Cards whose issuer states there is no foreign transaction fee, ranked by yearly value. Each card's value is its rewards plus the credits a typical cardholder uses, minus its annual fee; points are converted at conservative cash values. No issuer pays for placement.

Is a card with an annual fee ever worth it?

Only if its extra rewards and credits beat the fee on your own spending. In this list the fee is already subtracted, so a $0-fee card and a $95 card are compared on what they actually leave you with.

Ranked for an average spender.

Tell us what you actually spend, and which cards you already have, and we'll rank them for you instead.

Try the calculator

More rankings

Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.