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No foreign transaction fee cards — Gas (personal)
Of 70 cards with no foreign transaction fee, ranked by effective earn in Gas (personal). 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.
Gas (personal) — 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 | Sam's Club® Mastercard® | 5% | 5x | 1c | $0 | category rate |
| 3 | Citi Strata Premier® Card | 4.5% | 3x | 1.5c | $95 | category rate |
| 4 | Chase Sapphire Preferred® Card | 4.5% | 3x | 1.5c | $95 | category rate |
| 5 | Costco Business Anywhere | 4% | 4x | 1c | $0 | category rate |
| 6 | Costco Anywhere Visa® Card by Citi | 4% | 4x | 1c | $0 | category rate |
| 7 | U.S. Bank Altitude® Connect Visa Signature® Card | 4% | 4x | 1c | $0 | category rate |
| 8 | Verizon Visa® Card | 4% | 4x | 1c | $0 | category rate |
| 9 | Bilt Palladium Card | 3.6% | 2x | 1.8c | $495 | everything rate |
| 10 | Hilton Honors American Express Surpass® Card | 3.6% | 6x | 0.6c | $150 | category rate |
| 11 | Wells Fargo Choice Privileges® Select Mastercard® | 3.5% | 5x | 0.7c | $95 | category rate |
| 12 | Atmos™ Rewards Ascent Visa Signature® Card | 3.2% | 2x | 1.6c | $95 | category rate |
| 13 | AAdvantage® Platinum Select® World Elite Mastercard® | 3% | 2x | 1.5c | $99 | category rate |
| 14 | My Best Buy® Visa® Card | 3% | 3x | 1c | $0 | category rate |
| 15 | Hilton Honors American Express Card | 3% | 5x | 0.6c | $0 | category rate |
| 16 | Robinhood Gold Card | 3% | 3x | 1c | $0 | everything rate |
| 17 | Wells Fargo Autograph® Card | 3% | 3x | 1c | $0 | category rate |
| 18 | Aeroplan® Credit Card | 2.8% | 2x | 1.4c | $195 | category rate |
| 19 | Southwest Rapid Rewards® Plus Credit Card | 2.8% | 2x | 1.4c | $99 | category rate |
| 20 | Southwest Rapid Rewards® Priority Credit Card | 2.8% | 2x | 1.4c | $229 | category rate |
| 21 | Capital One Venture Rewards Credit Card | 2.8% | 2x | 1.4c | $95 | everything rate |
| 22 | Capital One Venture X Rewards Credit Card | 2.8% | 2x | 1.4c | $395 | everything rate |
| 23 | IHG One Rewards Premier | 2.5% | 5x | 0.5c | $150 | category rate |
| 24 | Marriott Bonvoy Boundless | 2.4% | 3x | 0.8c | $95 | category rate |
| 25 | United Gateway℠ Card | 2.4% | 2x | 1.2c | $0 | category rate |
| 26 | Citi Strata Elite℠ Card | 2.25% | 1.5x | 1.5c | $595 | everything rate |
| 27 | The Business Platinum Card® from American Express | 2% | 1x | 2c | $895 | everything rate |
| 28 | American Express® Gold Card | 2% | 1x | 2c | $325 | everything rate |
| 29 | The Platinum Card® from American Express | 2% | 1x | 2c | $895 | everything rate |
| 30 | Apple Card | 2% | 2x | 1c | $0 | everything rate |
| 31 | Discover it® Chrome | 2% | 2x | 1c | $0 | category rate |
| 32 | Fidelity® Rewards Visa Signature® Card | 2% | 2x | 1c | $0 | everything rate |
| 33 | Ink Business Premier® Credit Card | 2% | 2x | 1c | $195 | everything rate |
| 34 | Nordstrom Credit Card | 2% | 2x | 1c | $0 | category rate |
| 35 | Amazon Prime Visa | 2% | 2x | 1c | $0 | category rate |
| 36 | SoFi Unlimited 2% Credit Card | 2% | 2x | 1c | $0 | everything rate |
| 37 | Capital One Spark Cash Plus | 2% | 2x | 1c | $150 | everything rate |
| 38 | U.S. Bank Altitude® Go Visa Signature® Card | 2% | 2x | 1c | $0 | category rate |
| 39 | Bilt Blue Card | 1.8% | 1x | 1.8c | $0 | everything rate |
| 40 | Hilton Honors American Express Aspire Card | 1.8% | 3x | 0.6c | $550 | everything rate |
| 41 | Capital One VentureOne Rewards Credit Card | 1.75% | 1.25x | 1.4c | $0 | everything rate |
| 42 | World of Hyatt | 1.7% | 1x | 1.7c | $95 | everything rate |
| 43 | Marriott Bonvoy Bevy™ American Express® Card | 1.6% | 2x | 0.8c | $250 | everything rate |
| 44 | Marriott Bonvoy Brilliant® American Express® Card | 1.6% | 2x | 0.8c | $650 | everything rate |
| 45 | Citi® / AAdvantage® Executive World Legend Mastercard® | 1.5% | 1x | 1.5c | $695 | everything rate |
| 46 | Bank of America® Premium Rewards® credit card | 1.5% | 1.5x | 1c | $95 | everything rate |
| 47 | Bank of America® Premium Rewards® Elite Credit Card | 1.5% | 1.5x | 1c | $550 | everything rate |
| 48 | Bank of America® Travel Rewards credit card | 1.5% | 1.5x | 1c | $0 | everything rate |
| 49 | Chase Sapphire Reserve | 1.5% | 1x | 1.5c | $795 | everything rate |
| 50 | Discover it® Miles | 1.5% | 1.5x | 1c | $0 | everything rate |
| 51 | Chase Freedom Flex® | 1.5% | 1x | 1.5c | $0 | everything rate |
| 52 | IHG One Rewards Credit Card | 1.5% | 3x | 0.5c | $0 | category rate |
| 53 | Chase Ink Business Preferred | 1.5% | 1x | 1.5c | $95 | everything rate |
| 54 | Capital One Quicksilver Cash Rewards Credit Card | 1.5% | 1.5x | 1c | $0 | everything rate |
| 55 | REI Co-op Mastercard | 1.5% | 1.5x | 1c | $0 | everything rate |
| 56 | Southwest Rapid Rewards® Premier Credit Card | 1.4% | 1x | 1.4c | $149 | everything rate |
| 57 | JetBlue Plus Card | 1.3% | 1x | 1.3c | $99 | everything rate |
| 58 | Delta SkyMiles® Gold American Express Card | 1.2% | 1x | 1.2c | $150 | everything rate |
| 59 | Delta SkyMiles® Platinum American Express Card | 1.2% | 1x | 1.2c | $350 | everything rate |
| 60 | Delta SkyMiles® Reserve American Express Card | 1.2% | 1x | 1.2c | $650 | everything rate |
| 61 | United Club℠ Card | 1.2% | 1x | 1.2c | $695 | everything rate |
| 62 | United℠ Explorer℠ Card | 1.2% | 1x | 1.2c | $150 | everything rate |
| 63 | United Quest℠ Card | 1.2% | 1x | 1.2c | $350 | everything rate |
| 64 | Acorns 체크카드 (Mighty Oak) | 1% | 1x | 1c | $0 | everything rate |
| 65 | Discover it® Cash Back | 1% | 1x | 1c | $0 | everything rate |
| 66 | Capital One Savor Cash Rewards Credit Card | 1% | 1x | 1c | $0 | everything rate |
| 67 | Capital One SavorOne Cash Rewards Credit Card | 1% | 1x | 1c | $39 | everything rate |
| 68 | Venmo Credit Card | 1% | 1x | 1c | $0 | everything rate |
| 69 | Wells Fargo Autograph Journey℠ Card | 1% | 1x | 1c | $95 | everything rate |
| 70 | 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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