No foreign transaction fee cards — Costco warehouse
Of 39 cards with no foreign transaction fee, ranked by effective earn in Costco warehouse. Percentages are the card's earn rate times its catalog point value; annual fees are shown too.
Key Takeaways
Top pick: Robinhood Gold Card — 3%
With no foreign transaction fee, the shown rate applies to spending abroad too.
Costco warehouses accept Visa only. The list below is Visa cards with no foreign transaction fee.
Costco warehouse — full no-FTF ranking
| Rank | Card | Effective earn | Earn rate | Point value | Annual fee | Basis |
|---|---|---|---|---|---|---|
| 1 | Robinhood Gold Card | 3% | 3x | 1c | $0 | everything rate |
| 2 | Capital One Venture Rewards Credit Card | 2.8% | 2x | 1.4c | $95 | everything rate |
| 3 | Capital One Venture X Rewards Credit Card | 2.8% | 2x | 1.4c | $395 | everything rate |
| 4 | Costco Business Anywhere | 2% | 2x | 1c | $0 | category rate |
| 5 | Costco Anywhere Visa® Card by Citi | 2% | 2x | 1c | $0 | category rate |
| 6 | Fidelity® Rewards Visa Signature® Card | 2% | 2x | 1c | $0 | everything rate |
| 7 | Ink Business Premier® Credit Card | 2% | 2x | 1c | $195 | everything rate |
| 8 | Capital One Spark Cash Plus | 2% | 2x | 1c | $150 | everything rate |
| 9 | Capital One VentureOne Rewards Credit Card | 1.75% | 1.25x | 1.4c | $0 | everything rate |
| 10 | World of Hyatt | 1.7% | 1x | 1.7c | $95 | everything rate |
| 11 | Atmos™ Rewards Ascent Visa Signature® Card | 1.6% | 1x | 1.6c | $95 | everything rate |
| 12 | Marriott Bonvoy Boundless | 1.6% | 2x | 0.8c | $95 | everything rate |
| 13 | Bank of America® Premium Rewards® credit card | 1.5% | 1.5x | 1c | $95 | everything rate |
| 14 | Bank of America® Premium Rewards® Elite Credit Card | 1.5% | 1.5x | 1c | $550 | everything rate |
| 15 | Bank of America® Travel Rewards credit card | 1.5% | 1.5x | 1c | $0 | everything rate |
| 16 | Chase Sapphire Reserve | 1.5% | 1x | 1.5c | $795 | everything rate |
| 17 | Chase Freedom Flex® | 1.5% | 1x | 1.5c | $0 | everything rate |
| 18 | Chase Ink Business Preferred | 1.5% | 1x | 1.5c | $95 | everything rate |
| 19 | Capital One Quicksilver Cash Rewards Credit Card | 1.5% | 1.5x | 1c | $0 | everything rate |
| 20 | Chase Sapphire Preferred® Card | 1.5% | 1x | 1.5c | $95 | everything rate |
| 21 | Aeroplan® Credit Card | 1.4% | 1x | 1.4c | $195 | everything rate |
| 22 | Southwest Rapid Rewards® Plus Credit Card | 1.4% | 1x | 1.4c | $99 | everything rate |
| 23 | Southwest Rapid Rewards® Premier Credit Card | 1.4% | 1x | 1.4c | $149 | everything rate |
| 24 | Southwest Rapid Rewards® Priority Credit Card | 1.4% | 1x | 1.4c | $229 | everything rate |
| 25 | United Club℠ Card | 1.2% | 1x | 1.2c | $695 | everything rate |
| 26 | United℠ Explorer℠ Card | 1.2% | 1x | 1.2c | $150 | everything rate |
| 27 | United Gateway℠ Card | 1.2% | 1x | 1.2c | $0 | everything rate |
| 28 | United Quest℠ Card | 1.2% | 1x | 1.2c | $350 | everything rate |
| 29 | Acorns 체크카드 (Mighty Oak) | 1% | 1x | 1c | $0 | everything rate |
| 30 | My Best Buy® Visa® Card | 1% | 1x | 1c | $0 | everything rate |
| 31 | Nordstrom Credit Card | 1% | 1x | 1c | $0 | everything rate |
| 32 | Amazon Prime Visa | 1% | 1x | 1c | $0 | everything rate |
| 33 | U.S. Bank Altitude® Connect Visa Signature® Card | 1% | 1x | 1c | $0 | everything rate |
| 34 | U.S. Bank Altitude® Go Visa Signature® Card | 1% | 1x | 1c | $0 | everything rate |
| 35 | Venmo Credit Card | 1% | 1x | 1c | $0 | everything rate |
| 36 | Verizon Visa® Card | 1% | 1x | 1c | $0 | everything rate |
| 37 | Wells Fargo Autograph® Card | 1% | 1x | 1c | $0 | everything rate |
| 38 | Wells Fargo Autograph Journey℠ Card | 1% | 1x | 1c | $95 | everything rate |
| 39 | Marriott Bonvoy Bold® Credit Card | 0.8% | 1x | 0.8c | $0 | everything rate |
FAQ
What is a foreign transaction fee?
A fee card issuers add on purchases abroad or in foreign currency. Cards without it keep their full earn rate on spending abroad.
How is the percentage calculated?
The card's category earn rate times its catalog point value. Cards with no category rate use their everything rate, marked in the table.
Should I just pick the top card even with a high annual fee?
No -- the table ranks earn rate only. Check the card's breakeven page to see what is left after the fee.
Sources
- Every ranking is computed at request time from the DanHana catalog (foreign-transaction-fee flag, earn rates, point values). When the catalog changes, this page changes too.
Page updated: November 3, 2026
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