Planning an international trip? One of the easiest ways to save money abroad is by using a travel credit card with no foreign transaction fees. Many regular cards charge around 3% per purchase overseas, and that adds up fast. The best travel credit cards eliminate those fees while offering rewards, airport lounge access, travel insurance, and more. Here are the top 10 travel credit cards with no foreign transaction fees in 2026.
1. Chase Sapphire Preferred
The Chase Sapphire Preferred is one of the most popular travel credit cards with no foreign transaction fees, especially for beginners. You’ll earn strong rewards on travel and dining, plus flexible Ultimate Rewards points that transfer to airline and hotel partners. The annual fee is reasonable compared to premium cards, making it a great value option. It also includes trip cancellation insurance, rental car coverage, and purchase protection. If you want a balanced card that offers rewards, protection, and global usability without overwhelming perks, this is a smart starting point for international travelers.
2. Chase Sapphire Reserve
For frequent flyers who want premium perks, the Chase Sapphire Reserve stands out. This travel credit card charges no foreign transaction fees and offers elevated rewards on travel and dining purchases. Cardholders receive an annual travel credit, airport lounge access through Priority Pass, and top-tier travel protections. Although the annual fee is higher, the benefits often outweigh the cost if you travel internationally multiple times a year. It’s ideal for business travelers or digital nomads who want luxury perks, flexible redemption options, and strong travel insurance coverage while spending abroad.
3. Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is perfect for travelers who prefer simplicity. It offers unlimited flat-rate miles on every purchase and zero foreign transaction fees worldwide. Redemption is easy; you can erase travel purchases or transfer miles to airline partners. The annual fee is moderate, and benefits include travel accident insurance and rental car coverage. This card is excellent for those who don’t want to track bonus categories but still want to maximize travel rewards abroad. It’s straightforward, flexible, and widely accepted internationally.
4. Capital One Venture X
The Capital One Venture X is a premium travel credit card with no foreign transaction fees designed for serious travelers. It offers high flat-rate rewards, annual travel credits, airport lounge access (including Capital One Lounges and Priority Pass), and luxury travel protections. Despite being a premium card, its annual fee is competitive compared to similar options. The strong welcome bonus and flexible redemption options make it attractive for international trips. If you want high-end perks without paying the highest annual fee in the market, Venture X offers strong overall value.
5. American Express Platinum Card
The American Express Platinum Card is known for luxury travel benefits and zero foreign transaction fees. While acceptance abroad can vary in some countries, it shines with airport lounge access (Centurion Lounges, Priority Pass, and more), hotel elite status perks, and premium concierge services. You’ll earn high rewards on flights booked directly with airlines and through Amex Travel. The annual fee is high, but frequent international travelers can easily maximize the benefits. If you prioritize comfort, VIP treatment, and travel credits, this is one of the best premium travel cards available.
6. American Express Gold Card
The American Express Gold Card is ideal for travelers who spend heavily on dining. It charges no foreign transaction fees and offers strong rewards on restaurants worldwide and flights booked directly with airlines. While it doesn’t include the same luxury perks as the Platinum, the annual fee is more affordable. This card works well for food lovers who travel internationally and want to earn bonus rewards on global dining experiences. If your trips revolve around culinary exploration, the Amex Gold can turn every overseas meal into valuable points.
7. Bank of America Travel Rewards Credit Card
If you want a travel credit card with no foreign transaction fees and no annual fee, the Bank of America Travel Rewards Credit Card is a solid choice. It offers unlimited flat-rate rewards on all purchases and simple redemption toward travel expenses. Preferred Rewards members can earn even higher bonuses. While it doesn’t offer airport lounge access or luxury perks, it’s an excellent starter travel card for occasional international trips. Straightforward rewards, no annual fee, and global usability make it appealing for budget-conscious travelers.
8. Discover it Miles
Discover it Miles offers a simple rewards structure and no foreign transaction fees, plus no annual fee. You earn unlimited flat-rate miles on every purchase, and Discover matches all miles earned in your first year for new cardholders. Redemption is flexible and easy to manage. However, Discover’s international acceptance can be limited in certain regions, so it’s wise to carry a backup Visa or Mastercard abroad. For travelers who want simplicity and no annual cost, this card offers strong beginner-friendly value.
9. Citi Premier Card
The Citi Premier Card is a versatile mid-tier travel credit card with no foreign transaction fees. It offers bonus rewards on travel, dining, groceries, and gas, making it strong for everyday spending and international trips. Points can transfer to airline partners or be redeemed for travel bookings. The annual fee is moderate, and the welcome bonus is often competitive. If you want a well-rounded rewards card that works both at home and overseas, Citi Premier delivers solid earning potential and global usability.
10. Wells Fargo Autograph Card
The Wells Fargo Autograph Card is a no-annual-fee travel credit card that also charges no foreign transaction fees. It earns strong rewards across travel, dining, transit, gas, and streaming services. This makes it appealing for younger travelers or digital nomads who want bonus categories without paying a yearly fee. While it lacks premium perks like lounge access, it offers solid everyday value and straightforward redemption options. For budget travelers who want flexibility and global usability, the Autograph Card is an underrated gem.
Final Thoughts
Choosing the best travel credit card with no foreign transaction fees depends on how often you travel and what perks matter most. If you want luxury benefits and lounge access, premium cards may be worth the fee. If you travel occasionally, a no-annual-fee option can still save you money abroad. No matter which card you choose, avoiding foreign transaction fees alone can save hundreds of dollars on international trips, and that’s money better spent on experiences.