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No foreign transaction fee cards — This quarter's 5%
Of 70 cards with no foreign transaction fee, ranked by effective earn in This quarter's 5%. Percentages are the card's earn rate times its catalog point value; annual fees are shown too.
Key Takeaways
Top pick: Chase Freedom Flex® — 7.5%
With no foreign transaction fee, the shown rate applies to spending abroad too.
The 5% rate applies only to that quarter's categories, not to all spending.
This quarter's 5% — full no-FTF ranking
| Rank | Card | Effective earn | Earn rate | Point value | Annual fee | Basis |
|---|---|---|---|---|---|---|
| 1 | Chase Freedom Flex® | 7.5% | 5x | 1.5c | $0 | category rate |
| 2 | Discover it® Cash Back | 5% | 5x | 1c | $0 | category rate |
| 3 | Bilt Palladium Card | 3.6% | 2x | 1.8c | $495 | everything rate |
| 4 | Robinhood Gold Card | 3% | 3x | 1c | $0 | everything rate |
| 5 | Capital One Venture Rewards Credit Card | 2.8% | 2x | 1.4c | $95 | everything rate |
| 6 | Capital One Venture X Rewards Credit Card | 2.8% | 2x | 1.4c | $395 | everything rate |
| 7 | Citi Strata Elite℠ Card | 2.25% | 1.5x | 1.5c | $595 | everything rate |
| 8 | American Express® Business Gold Card | 2% | 1x | 2c | $375 | everything rate |
| 9 | The Business Platinum Card® from American Express | 2% | 1x | 2c | $895 | everything rate |
| 10 | American Express® Gold Card | 2% | 1x | 2c | $325 | everything rate |
| 11 | The Platinum Card® from American Express | 2% | 1x | 2c | $895 | everything rate |
| 12 | Apple Card | 2% | 2x | 1c | $0 | everything rate |
| 13 | Fidelity® Rewards Visa Signature® Card | 2% | 2x | 1c | $0 | everything rate |
| 14 | Ink Business Premier® Credit Card | 2% | 2x | 1c | $195 | everything rate |
| 15 | SoFi Unlimited 2% Credit Card | 2% | 2x | 1c | $0 | everything rate |
| 16 | Capital One Spark Cash Plus | 2% | 2x | 1c | $150 | everything rate |
| 17 | Bilt Blue Card | 1.8% | 1x | 1.8c | $0 | everything rate |
| 18 | Hilton Honors American Express Aspire Card | 1.8% | 3x | 0.6c | $550 | everything rate |
| 19 | Hilton Honors American Express Card | 1.8% | 3x | 0.6c | $0 | everything rate |
| 20 | Hilton Honors American Express Surpass® Card | 1.8% | 3x | 0.6c | $150 | everything rate |
| 21 | Capital One VentureOne Rewards Credit Card | 1.75% | 1.25x | 1.4c | $0 | everything rate |
| 22 | World of Hyatt | 1.7% | 1x | 1.7c | $95 | everything rate |
| 23 | Atmos™ Rewards Ascent Visa Signature® Card | 1.6% | 1x | 1.6c | $95 | everything rate |
| 24 | Marriott Bonvoy Boundless | 1.6% | 2x | 0.8c | $95 | everything rate |
| 25 | Marriott Bonvoy Bevy™ American Express® Card | 1.6% | 2x | 0.8c | $250 | everything rate |
| 26 | Marriott Bonvoy Brilliant® American Express® Card | 1.6% | 2x | 0.8c | $650 | everything rate |
| 27 | Citi® / AAdvantage® Executive World Legend Mastercard® | 1.5% | 1x | 1.5c | $695 | everything rate |
| 28 | AAdvantage® Platinum Select® World Elite Mastercard® | 1.5% | 1x | 1.5c | $99 | everything rate |
| 29 | Bank of America® Premium Rewards® credit card | 1.5% | 1.5x | 1c | $95 | everything rate |
| 30 | Bank of America® Premium Rewards® Elite Credit Card | 1.5% | 1.5x | 1c | $550 | everything rate |
| 31 | Bank of America® Travel Rewards credit card | 1.5% | 1.5x | 1c | $0 | everything rate |
| 32 | Citi Strata Premier® Card | 1.5% | 1x | 1.5c | $95 | everything rate |
| 33 | Chase Sapphire Reserve | 1.5% | 1x | 1.5c | $795 | everything rate |
| 34 | Discover it® Miles | 1.5% | 1.5x | 1c | $0 | everything rate |
| 35 | IHG One Rewards Premier | 1.5% | 3x | 0.5c | $150 | everything rate |
| 36 | Chase Ink Business Preferred | 1.5% | 1x | 1.5c | $95 | everything rate |
| 37 | Capital One Quicksilver Cash Rewards Credit Card | 1.5% | 1.5x | 1c | $0 | everything rate |
| 38 | REI Co-op Mastercard | 1.5% | 1.5x | 1c | $0 | everything rate |
| 39 | Chase Sapphire Preferred® Card | 1.5% | 1x | 1.5c | $95 | everything rate |
| 40 | Aeroplan® Credit Card | 1.4% | 1x | 1.4c | $195 | everything rate |
| 41 | Southwest Rapid Rewards® Plus Credit Card | 1.4% | 1x | 1.4c | $99 | everything rate |
| 42 | Southwest Rapid Rewards® Premier Credit Card | 1.4% | 1x | 1.4c | $149 | everything rate |
| 43 | Southwest Rapid Rewards® Priority Credit Card | 1.4% | 1x | 1.4c | $229 | everything rate |
| 44 | JetBlue Plus Card | 1.3% | 1x | 1.3c | $99 | everything rate |
| 45 | Delta SkyMiles® Gold American Express Card | 1.2% | 1x | 1.2c | $150 | everything rate |
| 46 | Delta SkyMiles® Platinum American Express Card | 1.2% | 1x | 1.2c | $350 | everything rate |
| 47 | Delta SkyMiles® Reserve American Express Card | 1.2% | 1x | 1.2c | $650 | everything rate |
| 48 | United Club℠ Card | 1.2% | 1x | 1.2c | $695 | everything rate |
| 49 | United℠ Explorer℠ Card | 1.2% | 1x | 1.2c | $150 | everything rate |
| 50 | United Gateway℠ Card | 1.2% | 1x | 1.2c | $0 | everything rate |
| 51 | United Quest℠ Card | 1.2% | 1x | 1.2c | $350 | everything rate |
| 52 | Acorns 체크카드 (Mighty Oak) | 1% | 1x | 1c | $0 | everything rate |
| 53 | My Best Buy® Visa® Card | 1% | 1x | 1c | $0 | everything rate |
| 54 | Costco Business Anywhere | 1% | 1x | 1c | $0 | everything rate |
| 55 | Costco Anywhere Visa® Card by Citi | 1% | 1x | 1c | $0 | everything rate |
| 56 | Discover it® Chrome | 1% | 1x | 1c | $0 | everything rate |
| 57 | IHG One Rewards Credit Card | 1% | 2x | 0.5c | $0 | everything rate |
| 58 | Nordstrom Credit Card | 1% | 1x | 1c | $0 | everything rate |
| 59 | Amazon Prime Visa | 1% | 1x | 1c | $0 | everything rate |
| 60 | Sam's Club® Mastercard® | 1% | 1x | 1c | $0 | everything rate |
| 61 | Capital One Savor Cash Rewards Credit Card | 1% | 1x | 1c | $0 | everything rate |
| 62 | Capital One SavorOne Cash Rewards Credit Card | 1% | 1x | 1c | $39 | everything rate |
| 63 | U.S. Bank Altitude® Connect Visa Signature® Card | 1% | 1x | 1c | $0 | everything rate |
| 64 | U.S. Bank Altitude® Go Visa Signature® Card | 1% | 1x | 1c | $0 | everything rate |
| 65 | Venmo Credit Card | 1% | 1x | 1c | $0 | everything rate |
| 66 | Verizon Visa® Card | 1% | 1x | 1c | $0 | everything rate |
| 67 | Wells Fargo Autograph® Card | 1% | 1x | 1c | $0 | everything rate |
| 68 | Wells Fargo Autograph Journey℠ Card | 1% | 1x | 1c | $95 | 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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