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No foreign transaction fee cards — Dining
Of 70 cards with no foreign transaction fee, ranked by effective earn in Dining. Percentages are the card's earn rate times its catalog point value; annual fees are shown too.
Key Takeaways
Top pick: American Express® Business Gold Card — 8%
With no foreign transaction fee, the shown rate applies to spending abroad too.
Dining — full no-FTF ranking
| Rank | Card | Effective earn | Earn rate | Point value | Annual fee | Basis |
|---|---|---|---|---|---|---|
| 1 | American Express® Business Gold Card | 8% | 4x | 2c | $375 | category rate |
| 2 | American Express® Gold Card | 8% | 4x | 2c | $325 | category rate |
| 3 | Citi Strata Elite℠ Card | 4.5% | 3x | 1.5c | $595 | category rate |
| 4 | Citi Strata Premier® Card | 4.5% | 3x | 1.5c | $95 | category rate |
| 5 | Chase Sapphire Reserve | 4.5% | 3x | 1.5c | $795 | category rate |
| 6 | Chase Freedom Flex® | 4.5% | 3x | 1.5c | $0 | category rate |
| 7 | Chase Sapphire Preferred® Card | 4.5% | 3x | 1.5c | $95 | category rate |
| 8 | Aeroplan® Credit Card | 4.2% | 3x | 1.4c | $195 | category rate |
| 9 | Hilton Honors American Express Aspire Card | 4.2% | 7x | 0.6c | $550 | category rate |
| 10 | U.S. Bank Altitude® Go Visa Signature® Card | 4% | 4x | 1c | $0 | category rate |
| 11 | Verizon Visa® Card | 4% | 4x | 1c | $0 | category rate |
| 12 | Bilt Palladium Card | 3.6% | 2x | 1.8c | $495 | everything rate |
| 13 | Hilton Honors American Express Surpass® Card | 3.6% | 6x | 0.6c | $150 | category rate |
| 14 | World of Hyatt | 3.4% | 2x | 1.7c | $95 | category rate |
| 15 | Marriott Bonvoy Bevy™ American Express® Card | 3.2% | 4x | 0.8c | $250 | category rate |
| 16 | AAdvantage® Platinum Select® World Elite Mastercard® | 3% | 2x | 1.5c | $99 | category rate |
| 17 | Costco Business Anywhere | 3% | 3x | 1c | $0 | category rate |
| 18 | Costco Anywhere Visa® Card by Citi | 3% | 3x | 1c | $0 | category rate |
| 19 | Hilton Honors American Express Card | 3% | 5x | 0.6c | $0 | category rate |
| 20 | Robinhood Gold Card | 3% | 3x | 1c | $0 | everything rate |
| 21 | Sam's Club® Mastercard® | 3% | 3x | 1c | $0 | category rate |
| 22 | Capital One Savor Cash Rewards Credit Card | 3% | 3x | 1c | $0 | category rate |
| 23 | Capital One SavorOne Cash Rewards Credit Card | 3% | 3x | 1c | $39 | category rate |
| 24 | Venmo Credit Card | 3% | 3x | 1c | $0 | category rate |
| 25 | Wells Fargo Autograph® Card | 3% | 3x | 1c | $0 | category rate |
| 26 | Wells Fargo Autograph Journey℠ Card | 3% | 3x | 1c | $95 | category rate |
| 27 | Southwest Rapid Rewards® Premier Credit Card | 2.8% | 2x | 1.4c | $149 | category rate |
| 28 | Southwest Rapid Rewards® Priority Credit Card | 2.8% | 2x | 1.4c | $229 | category rate |
| 29 | Capital One Venture Rewards Credit Card | 2.8% | 2x | 1.4c | $95 | everything rate |
| 30 | Capital One Venture X Rewards Credit Card | 2.8% | 2x | 1.4c | $395 | everything rate |
| 31 | JetBlue Plus Card | 2.6% | 2x | 1.3c | $99 | category rate |
| 32 | IHG One Rewards Premier | 2.5% | 5x | 0.5c | $150 | category rate |
| 33 | Delta SkyMiles® Gold American Express Card | 2.4% | 2x | 1.2c | $150 | category rate |
| 34 | Delta SkyMiles® Platinum American Express Card | 2.4% | 2x | 1.2c | $350 | category rate |
| 35 | Marriott Bonvoy Boundless | 2.4% | 3x | 0.8c | $95 | category rate |
| 36 | Marriott Bonvoy Brilliant® American Express® Card | 2.4% | 3x | 0.8c | $650 | category rate |
| 37 | United Club℠ Card | 2.4% | 2x | 1.2c | $695 | category rate |
| 38 | United℠ Explorer℠ Card | 2.4% | 2x | 1.2c | $150 | category rate |
| 39 | United Quest℠ Card | 2.4% | 2x | 1.2c | $350 | category rate |
| 40 | The Business Platinum Card® from American Express | 2% | 1x | 2c | $895 | everything rate |
| 41 | The Platinum Card® from American Express | 2% | 1x | 2c | $895 | everything rate |
| 42 | Apple Card | 2% | 2x | 1c | $0 | everything rate |
| 43 | My Best Buy® Visa® Card | 2% | 2x | 1c | $0 | category rate |
| 44 | Bank of America® Premium Rewards® credit card | 2% | 2x | 1c | $95 | category rate |
| 45 | Bank of America® Premium Rewards® Elite Credit Card | 2% | 2x | 1c | $550 | category rate |
| 46 | Discover it® Chrome | 2% | 2x | 1c | $0 | category rate |
| 47 | Fidelity® Rewards Visa Signature® Card | 2% | 2x | 1c | $0 | everything rate |
| 48 | Ink Business Premier® Credit Card | 2% | 2x | 1c | $195 | everything rate |
| 49 | Nordstrom Credit Card | 2% | 2x | 1c | $0 | category rate |
| 50 | Amazon Prime Visa | 2% | 2x | 1c | $0 | category rate |
| 51 | SoFi Unlimited 2% Credit Card | 2% | 2x | 1c | $0 | everything rate |
| 52 | Capital One Spark Cash Plus | 2% | 2x | 1c | $150 | everything rate |
| 53 | U.S. Bank Altitude® Connect Visa Signature® Card | 2% | 2x | 1c | $0 | category rate |
| 54 | Bilt Blue Card | 1.8% | 1x | 1.8c | $0 | everything rate |
| 55 | Capital One VentureOne Rewards Credit Card | 1.75% | 1.25x | 1.4c | $0 | everything rate |
| 56 | Atmos™ Rewards Ascent Visa Signature® Card | 1.6% | 1x | 1.6c | $95 | everything rate |
| 57 | Citi® / AAdvantage® Executive World Legend Mastercard® | 1.5% | 1x | 1.5c | $695 | everything rate |
| 58 | Bank of America® Travel Rewards credit card | 1.5% | 1.5x | 1c | $0 | everything rate |
| 59 | Discover it® Miles | 1.5% | 1.5x | 1c | $0 | everything rate |
| 60 | IHG One Rewards Credit Card | 1.5% | 3x | 0.5c | $0 | category rate |
| 61 | Chase Ink Business Preferred | 1.5% | 1x | 1.5c | $95 | everything rate |
| 62 | Capital One Quicksilver Cash Rewards Credit Card | 1.5% | 1.5x | 1c | $0 | everything rate |
| 63 | REI Co-op Mastercard | 1.5% | 1.5x | 1c | $0 | everything rate |
| 64 | Southwest Rapid Rewards® Plus Credit Card | 1.4% | 1x | 1.4c | $99 | everything rate |
| 65 | Delta SkyMiles® Reserve American Express Card | 1.2% | 1x | 1.2c | $650 | everything rate |
| 66 | United Gateway℠ Card | 1.2% | 1x | 1.2c | $0 | everything rate |
| 67 | Acorns 체크카드 (Mighty Oak) | 1% | 1x | 1c | $0 | everything rate |
| 68 | Discover it® Cash Back | 1% | 1x | 1c | $0 | everything rate |
| 69 | Marriott Bonvoy Bold® Credit Card | 0.8% | 1x | 0.8c | $0 | everything rate |
| 70 | Wells Fargo Choice Privileges® Select Mastercard® | 0.7% | 1x | 0.7c | $95 | 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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