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No foreign transaction fee cards — Everything else
Of 70 cards with no foreign transaction fee, ranked by effective earn in Everything else. Percentages are the card's earn rate times its catalog point value; annual fees are shown too.
Key Takeaways
Top pick: Bilt Palladium Card — 3.6%
With no foreign transaction fee, the shown rate applies to spending abroad too.
Everything else — full no-FTF ranking
| Rank | Card | Effective earn | Earn rate | Point value | Annual fee | Basis |
|---|---|---|---|---|---|---|
| 1 | Bilt Palladium Card | 3.6% | 2x | 1.8c | $495 | category rate |
| 2 | Robinhood Gold Card | 3% | 3x | 1c | $0 | category rate |
| 3 | Capital One Venture Rewards Credit Card | 2.8% | 2x | 1.4c | $95 | category rate |
| 4 | Capital One Venture X Rewards Credit Card | 2.8% | 2x | 1.4c | $395 | category rate |
| 5 | Citi Strata Elite℠ Card | 2.25% | 1.5x | 1.5c | $595 | category rate |
| 6 | American Express® Business Gold Card | 2% | 1x | 2c | $375 | category rate |
| 7 | The Business Platinum Card® from American Express | 2% | 1x | 2c | $895 | category rate |
| 8 | American Express® Gold Card | 2% | 1x | 2c | $325 | category rate |
| 9 | The Platinum Card® from American Express | 2% | 1x | 2c | $895 | category rate |
| 10 | Apple Card | 2% | 2x | 1c | $0 | category rate |
| 11 | Fidelity® Rewards Visa Signature® Card | 2% | 2x | 1c | $0 | category rate |
| 12 | Ink Business Premier® Credit Card | 2% | 2x | 1c | $195 | category rate |
| 13 | SoFi Unlimited 2% Credit Card | 2% | 2x | 1c | $0 | category rate |
| 14 | Capital One Spark Cash Plus | 2% | 2x | 1c | $150 | category rate |
| 15 | Bilt Blue Card | 1.8% | 1x | 1.8c | $0 | category rate |
| 16 | Hilton Honors American Express Aspire Card | 1.8% | 3x | 0.6c | $550 | category rate |
| 17 | Hilton Honors American Express Card | 1.8% | 3x | 0.6c | $0 | category rate |
| 18 | Hilton Honors American Express Surpass® Card | 1.8% | 3x | 0.6c | $150 | category rate |
| 19 | Capital One VentureOne Rewards Credit Card | 1.75% | 1.25x | 1.4c | $0 | category rate |
| 20 | World of Hyatt | 1.7% | 1x | 1.7c | $95 | category rate |
| 21 | Atmos™ Rewards Ascent Visa Signature® Card | 1.6% | 1x | 1.6c | $95 | category rate |
| 22 | Marriott Bonvoy Boundless | 1.6% | 2x | 0.8c | $95 | category rate |
| 23 | Marriott Bonvoy Bevy™ American Express® Card | 1.6% | 2x | 0.8c | $250 | category rate |
| 24 | Marriott Bonvoy Brilliant® American Express® Card | 1.6% | 2x | 0.8c | $650 | category rate |
| 25 | Citi® / AAdvantage® Executive World Legend Mastercard® | 1.5% | 1x | 1.5c | $695 | category rate |
| 26 | AAdvantage® Platinum Select® World Elite Mastercard® | 1.5% | 1x | 1.5c | $99 | category rate |
| 27 | Bank of America® Premium Rewards® credit card | 1.5% | 1.5x | 1c | $95 | category rate |
| 28 | Bank of America® Premium Rewards® Elite Credit Card | 1.5% | 1.5x | 1c | $550 | category rate |
| 29 | Bank of America® Travel Rewards credit card | 1.5% | 1.5x | 1c | $0 | category rate |
| 30 | Citi Strata Premier® Card | 1.5% | 1x | 1.5c | $95 | category rate |
| 31 | Chase Sapphire Reserve | 1.5% | 1x | 1.5c | $795 | category rate |
| 32 | Discover it® Miles | 1.5% | 1.5x | 1c | $0 | category rate |
| 33 | Chase Freedom Flex® | 1.5% | 1x | 1.5c | $0 | category rate |
| 34 | IHG One Rewards Premier | 1.5% | 3x | 0.5c | $150 | category rate |
| 35 | Chase Ink Business Preferred | 1.5% | 1x | 1.5c | $95 | category rate |
| 36 | Capital One Quicksilver Cash Rewards Credit Card | 1.5% | 1.5x | 1c | $0 | category rate |
| 37 | REI Co-op Mastercard | 1.5% | 1.5x | 1c | $0 | category rate |
| 38 | Chase Sapphire Preferred® Card | 1.5% | 1x | 1.5c | $95 | category rate |
| 39 | Aeroplan® Credit Card | 1.4% | 1x | 1.4c | $195 | category rate |
| 40 | Southwest Rapid Rewards® Plus Credit Card | 1.4% | 1x | 1.4c | $99 | category rate |
| 41 | Southwest Rapid Rewards® Premier Credit Card | 1.4% | 1x | 1.4c | $149 | category rate |
| 42 | Southwest Rapid Rewards® Priority Credit Card | 1.4% | 1x | 1.4c | $229 | category rate |
| 43 | JetBlue Plus Card | 1.3% | 1x | 1.3c | $99 | category rate |
| 44 | Delta SkyMiles® Gold American Express Card | 1.2% | 1x | 1.2c | $150 | category rate |
| 45 | Delta SkyMiles® Platinum American Express Card | 1.2% | 1x | 1.2c | $350 | category rate |
| 46 | Delta SkyMiles® Reserve American Express Card | 1.2% | 1x | 1.2c | $650 | category rate |
| 47 | United Club℠ Card | 1.2% | 1x | 1.2c | $695 | category rate |
| 48 | United℠ Explorer℠ Card | 1.2% | 1x | 1.2c | $150 | category rate |
| 49 | United Gateway℠ Card | 1.2% | 1x | 1.2c | $0 | category rate |
| 50 | United Quest℠ Card | 1.2% | 1x | 1.2c | $350 | category rate |
| 51 | Acorns 체크카드 (Mighty Oak) | 1% | 1x | 1c | $0 | everything rate |
| 52 | My Best Buy® Visa® Card | 1% | 1x | 1c | $0 | category rate |
| 53 | Costco Business Anywhere | 1% | 1x | 1c | $0 | category rate |
| 54 | Costco Anywhere Visa® Card by Citi | 1% | 1x | 1c | $0 | category rate |
| 55 | Discover it® Chrome | 1% | 1x | 1c | $0 | category rate |
| 56 | Discover it® Cash Back | 1% | 1x | 1c | $0 | category rate |
| 57 | IHG One Rewards Credit Card | 1% | 2x | 0.5c | $0 | category rate |
| 58 | Nordstrom Credit Card | 1% | 1x | 1c | $0 | category rate |
| 59 | Amazon Prime Visa | 1% | 1x | 1c | $0 | category rate |
| 60 | Sam's Club® Mastercard® | 1% | 1x | 1c | $0 | category rate |
| 61 | Capital One Savor Cash Rewards Credit Card | 1% | 1x | 1c | $0 | category rate |
| 62 | Capital One SavorOne Cash Rewards Credit Card | 1% | 1x | 1c | $39 | category rate |
| 63 | U.S. Bank Altitude® Connect Visa Signature® Card | 1% | 1x | 1c | $0 | category rate |
| 64 | U.S. Bank Altitude® Go Visa Signature® Card | 1% | 1x | 1c | $0 | category rate |
| 65 | Venmo Credit Card | 1% | 1x | 1c | $0 | category rate |
| 66 | Verizon Visa® Card | 1% | 1x | 1c | $0 | category rate |
| 67 | Wells Fargo Autograph® Card | 1% | 1x | 1c | $0 | category rate |
| 68 | Wells Fargo Autograph Journey℠ Card | 1% | 1x | 1c | $95 | category rate |
| 69 | Marriott Bonvoy Bold® Credit Card | 0.8% | 1x | 0.8c | $0 | category rate |
| 70 | Wells Fargo Choice Privileges® Select Mastercard® | 0.7% | 1x | 0.7c | $95 | category 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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