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No foreign transaction fee cards — General travel
Of 70 cards with no foreign transaction fee, ranked by effective earn in General travel. 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.
General travel — 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 | Chase Sapphire Reserve | 6% | 4x | 1.5c | $795 | category rate |
| 3 | Citi Strata Premier® Card | 4.5% | 3x | 1.5c | $95 | category rate |
| 4 | Chase Ink Business Preferred | 4.5% | 3x | 1.5c | $95 | category rate |
| 5 | Aeroplan® Credit Card | 4.2% | 3x | 1.4c | $195 | category rate |
| 6 | Hilton Honors American Express Aspire Card | 4.2% | 7x | 0.6c | $550 | category rate |
| 7 | U.S. Bank Altitude® Connect Visa Signature® Card | 4% | 4x | 1c | $0 | category rate |
| 8 | Bilt Palladium Card | 3.6% | 2x | 1.8c | $495 | category rate |
| 9 | Delta SkyMiles® Platinum American Express Card | 3.6% | 3x | 1.2c | $350 | category rate |
| 10 | World of Hyatt | 3.4% | 2x | 1.7c | $95 | category rate |
| 11 | Costco Business Anywhere | 3% | 3x | 1c | $0 | category rate |
| 12 | Costco Anywhere Visa® Card by Citi | 3% | 3x | 1c | $0 | category rate |
| 13 | Robinhood Gold Card | 3% | 3x | 1c | $0 | everything rate |
| 14 | Chase Sapphire Preferred® Card | 3% | 2x | 1.5c | $95 | category rate |
| 15 | Wells Fargo Autograph® Card | 3% | 3x | 1c | $0 | category rate |
| 16 | Wells Fargo Autograph Journey℠ Card | 3% | 3x | 1c | $95 | category rate |
| 17 | Capital One Venture Rewards Credit Card | 2.8% | 2x | 1.4c | $95 | everything rate |
| 18 | Capital One Venture X Rewards Credit Card | 2.8% | 2x | 1.4c | $395 | everything rate |
| 19 | IHG One Rewards Premier | 2.5% | 5x | 0.5c | $150 | category rate |
| 20 | Marriott Bonvoy Brilliant® American Express® Card | 2.4% | 3x | 0.8c | $650 | category rate |
| 21 | United Club℠ Card | 2.4% | 2x | 1.2c | $695 | category rate |
| 22 | United Quest℠ Card | 2.4% | 2x | 1.2c | $350 | category rate |
| 23 | Citi Strata Elite℠ Card | 2.25% | 1.5x | 1.5c | $595 | everything rate |
| 24 | The Business Platinum Card® from American Express | 2% | 1x | 2c | $895 | everything rate |
| 25 | American Express® Gold Card | 2% | 1x | 2c | $325 | everything rate |
| 26 | The Platinum Card® from American Express | 2% | 1x | 2c | $895 | everything rate |
| 27 | Apple Card | 2% | 2x | 1c | $0 | everything rate |
| 28 | Bank of America® Premium Rewards® credit card | 2% | 2x | 1c | $95 | category rate |
| 29 | Bank of America® Premium Rewards® Elite Credit Card | 2% | 2x | 1c | $550 | category rate |
| 30 | Fidelity® Rewards Visa Signature® Card | 2% | 2x | 1c | $0 | everything rate |
| 31 | Ink Business Premier® Credit Card | 2% | 2x | 1c | $195 | everything rate |
| 32 | SoFi Unlimited 2% Credit Card | 2% | 2x | 1c | $0 | everything rate |
| 33 | Capital One Spark Cash Plus | 2% | 2x | 1c | $150 | everything rate |
| 34 | Bilt Blue Card | 1.8% | 1x | 1.8c | $0 | everything rate |
| 35 | Hilton Honors American Express Card | 1.8% | 3x | 0.6c | $0 | everything rate |
| 36 | Hilton Honors American Express Surpass® Card | 1.8% | 3x | 0.6c | $150 | everything rate |
| 37 | Capital One VentureOne Rewards Credit Card | 1.75% | 1.25x | 1.4c | $0 | everything rate |
| 38 | Atmos™ Rewards Ascent Visa Signature® Card | 1.6% | 1x | 1.6c | $95 | everything rate |
| 39 | Marriott Bonvoy Boundless | 1.6% | 2x | 0.8c | $95 | everything rate |
| 40 | Marriott Bonvoy Bevy™ American Express® Card | 1.6% | 2x | 0.8c | $250 | everything rate |
| 41 | Citi® / AAdvantage® Executive World Legend Mastercard® | 1.5% | 1x | 1.5c | $695 | everything rate |
| 42 | AAdvantage® Platinum Select® World Elite Mastercard® | 1.5% | 1x | 1.5c | $99 | everything rate |
| 43 | Bank of America® Travel Rewards credit card | 1.5% | 1.5x | 1c | $0 | everything rate |
| 44 | Discover it® Miles | 1.5% | 1.5x | 1c | $0 | everything rate |
| 45 | Chase Freedom Flex® | 1.5% | 1x | 1.5c | $0 | everything rate |
| 46 | Capital One Quicksilver Cash Rewards Credit Card | 1.5% | 1.5x | 1c | $0 | everything rate |
| 47 | REI Co-op Mastercard | 1.5% | 1.5x | 1c | $0 | everything rate |
| 48 | Southwest Rapid Rewards® Plus Credit Card | 1.4% | 1x | 1.4c | $99 | everything rate |
| 49 | Southwest Rapid Rewards® Premier Credit Card | 1.4% | 1x | 1.4c | $149 | everything rate |
| 50 | Southwest Rapid Rewards® Priority Credit Card | 1.4% | 1x | 1.4c | $229 | everything rate |
| 51 | JetBlue Plus Card | 1.3% | 1x | 1.3c | $99 | everything rate |
| 52 | Delta SkyMiles® Gold American Express Card | 1.2% | 1x | 1.2c | $150 | everything rate |
| 53 | Delta SkyMiles® Reserve American Express Card | 1.2% | 1x | 1.2c | $650 | everything rate |
| 54 | United℠ Explorer℠ Card | 1.2% | 1x | 1.2c | $150 | everything rate |
| 55 | United Gateway℠ Card | 1.2% | 1x | 1.2c | $0 | everything rate |
| 56 | Acorns 체크카드 (Mighty Oak) | 1% | 1x | 1c | $0 | everything rate |
| 57 | My Best Buy® Visa® Card | 1% | 1x | 1c | $0 | everything rate |
| 58 | Discover it® Chrome | 1% | 1x | 1c | $0 | everything rate |
| 59 | Discover it® Cash Back | 1% | 1x | 1c | $0 | everything rate |
| 60 | IHG One Rewards Credit Card | 1% | 2x | 0.5c | $0 | everything rate |
| 61 | Nordstrom Credit Card | 1% | 1x | 1c | $0 | everything rate |
| 62 | Amazon Prime Visa | 1% | 1x | 1c | $0 | everything rate |
| 63 | Sam's Club® Mastercard® | 1% | 1x | 1c | $0 | everything rate |
| 64 | Capital One Savor Cash Rewards Credit Card | 1% | 1x | 1c | $0 | everything rate |
| 65 | Capital One SavorOne Cash Rewards Credit Card | 1% | 1x | 1c | $39 | everything rate |
| 66 | U.S. Bank Altitude® Go Visa Signature® Card | 1% | 1x | 1c | $0 | everything rate |
| 67 | Venmo Credit Card | 1% | 1x | 1c | $0 | everything rate |
| 68 | Verizon Visa® Card | 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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