A credit card can be a convenient payment when traveling overseas. You avoid currency conversions and don't have to carry lots of cash, which could be stolen. Paying with a rewards credit card can also help you earn cash back and other bonuses while traveling. You may citi aadvantage platinum select login get you a better exchange rate than you would at the airport currency exchange desk. But you'll want citi aadvantage platinum select login look out for credit cards that charge foreign transaction fees -- a charge made to recover the cost of converting purchases internationally into US dollars.
A typical foreign transaction fee is around 3% of your purchase. If you rarely travel abroad, a 3% fee on a few souvenirs may not be a big deal. But frequent travelers who charge lodging, rental cars and more could end up paying hundreds of dollars in foreign transaction fees on every trip. Fortunately, there are credit cards with no transaction fee designed for world travelers. Here are our top picks for the best credit cards with no citi aadvantage platinum select login fee. We'll update this list periodically as new options become available.
Intro BonusEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
APR15.99%-22.99% Variable
Recommended Credit Excellent/Good
Reward Rates- Earn 5X points on travel purchased through Chase Ultimate Rewards®.
- Earn 3X points on dining.
- Earn 2X points on all other travel purchases, plus more.
Annual Fee$95
Intro Purchase APRN/A
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Balance Transfer APR15.99%-22.99% Variable
Foreign Transaction Fees $0
Penalty APR Up to 29.99%
- Earn 5X points on travel purchased through Chase Ultimate Rewards®.
- Earn 3X points on dining.
- Earn 2X points on all other travel purchases, plus more.
Our Take
The Chase Sapphire Preferred Card is our overall top pick for the best credit card with no foreign transaction fee. It beats all the other cards reviewed for sign-up bonuses (60,000 points after spending $4,000 in the first three months, which is valued at $750 for travel booked through Chase) and travel booking flexibility. It tops the list as an excellent travel rewards credit card thanks to points that can be transferred to partner airline or hotel loyalty sites at a 1:1 ratio. Plus, booking travel through the Chase Ultimate Rewards website gets you the most mileage from your points -- up to 25% more.
Earn 5x points on travel booked through Chase Ultimate Rewards, 3x points on dining, online groceries, food delivery and select streaming services, 2x on all other travel purchases and 1x on other purchases. It's a great way to rack up points -- without worrying about foreign transaction fees -- if you travel and dine out frequently.
Intro BonusIntro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year. There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
APR11.99% - 22.99% Variable
Recommended Credit Excellent/Good
Reward Rates- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Earn 1% unlimited cash back on all other purchases – automatically.
Annual Fee$0
Intro Purchase APR0% for 14 months
Intro Balance Transfer APR0% for 14 months
Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Balance Transfer APR11.99% - 22.99% Variable
Late Payment Fee None the first time you pay late. After that, up to $40.
Foreign Transaction Fees None
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Earn 1% unlimited cash back on all other purchases – automatically.
Our Take
The Discover it® Cash Back* is a low-fee credit card that offers a high potential for cash-back earnings. There is no annual or foreign transaction fee to worry about. All purchases earn you at least 1% cash back. However, you could earn higher rewards when you take advantage of the rotating quarterly category bonuses upon activation -- like restaurant and grocery store purchases -- of 5% cash back (on up to $1,500 in quarterly purchases, then 1%). Best of all, Discover will match your cash back earnings at the end of the first year through its Cashback Match offer, essentially doubling your first year's worth of rewards.
Intro BonusEnjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
APR15.99% - 23.99% (Variable)
Recommended Credit Excellent, Good
Reward Rates- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
- Earn unlimited 2X miles on every purchase, every day.
Annual Fee$95
Intro Purchase APRN/A
Intro Balance Transfer APRN/A
Balance Transfer Fee $0 at this Transfer APR
Balance Transfer APR15.99% - 23.99% (Variable)
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR None
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
- Earn unlimited 2X miles on every purchase, every day.
Our Take
Capital One loads the Venture Rewards Credit Card* with plenty of travel perks to offset the $95 annual fee. Travel anywhere without any foreign transaction fees and earn 2x unlimited miles on all purchases. In addition, Capital One awards you up to a $100 statement credit for Global Entry or TSA PreCheck to help you speed through the airport lines. Venture Miles earned can be redeemed on flights and hotels or used to pay for Amazon.com and PayPal purchases. You can also transfer miles to over 15 hotel and airline programs.
Intro Bonus25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
APR13.99% - 23.99% Variable APR on purchases and balance transfers
Recommended Credit Excellent/Good
Reward Rates- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
Annual Fee$0
Intro Purchase APR0% Intro APR for 15 billing cycles for purchases
Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.
Balance Transfer APR13.99% - 23.99% Variable APR on purchases and balance transfers
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR up to 29.99% APR
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
Our Take
Bank of America's Travel Rewards card doesn't come with foreign transaction fees or an annual fee. Most low-fee cards are typically no-frills, but the Bank of America Travel Rewards credit card* provides cardholders with plenty of value. You'll earn 1.5 points for every dollar you spend, with no limit. When it's time to redeem points, there are no blackout dates or website limitations. Book travel from anywhere and apply the points as a statement credit to cover the charge. In addition, the introductory no-interest offer for purchases made in the first 15 billing cycles (13.99% to 23.99% variable APR thereafter) can provide you with some wiggle room to spread out your card payments without incurring fees.
Intro BonusEarn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening.
APR15.99% - 24.99% (Variable)
Recommended Credit Excellent, Good
Reward Rates- 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- 1 AAdvantage® miles for every $1 spent on other purchases
Annual Fee$450
Intro Purchase APRN/A
Balance Transfer Fee 5% of each balance transfer; $5 minimum.
Balance Transfer APR15.99% - 24.99% (Variable)
Late Payment Fee Up to $40
Foreign Transaction Fees 0%
Penalty APR Up to 29.99% (Variable)
- 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- 1 AAdvantage® miles for every $1 spent on other purchases
Our Take
The Citi / AAdvantage Executive World Elite Mastercard has the highest annual fee of the cards in this guide, but it's also the best travel rewards card for luxury perks. Frequent travelers will appreciate complimentary Admirals Club membership for lounge access, valued at up to $650 per year. The 10,000 bonus Elite Qualifying Miles (after spending $40,000 in purchases within the year) can help you get to Elite status faster. Priority boarding and a free checked bag on domestic flights are also included.
Intro BonusEarn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
APRSee Pay Over Time APR
Recommended Credit Excellent/Good
Reward Rates- Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
- Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Annual Fee$250
Intro Purchase APRN/A
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR See Rates & Fees
- Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
- Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Our Take
