The best credit cards with no foreign transaction fee

79 cards in the catalogue charge no fee on a purchase made abroad or in another currency. 25 more are left out because their fee is not recorded here — absent is not the same as zero, and a card listed on this page because nobody checked would cost somebody the fee on every purchase of a trip.

Ranked by what each card earns in a year once its annual fee is paid — every rate converted to dollars with a dated point valuation, spending caps honoured, and rotating categories not credited. Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.

#	Card	Annual fee	A year, after the fee
1	Venture Rewards Capital One, Points, most from Groceries	$95 a year	$858
2	Gold Card American Express, Points, most from Groceries	$325 a year	$828
3	Strata Premier Citi, Points, most from Groceries	$95 a year	$760
4	Sapphire Preferred Chase, Points, most from Restaurants & Bars	$95 a year	$719
5	Bilt Obsidian Card Bilt, Points, most from Groceries	$95 a year	$716
6	Bilt Mastercard Bilt, Points, most from Restaurants & Bars	none	$715
7	Autograph Wells Fargo, Points, most from Restaurants & Bars	none	$690
8	Classic Green Card American Express, Points, most from Restaurants & Bars	$150 a year	$622
9	VentureOne Rewards Capital One, Points, most from Groceries	none	$595
10	Ink Business Preferred Chase, Points, most from Groceries	$95 a year	$590
11	Venture X Capital One, Points, most from Groceries	$395 a year	$558
12	Apple Card Goldman Sachs, Cash back, most from Groceries	none	$529
13	Bilt Blue Card Bilt, Points, most from Groceries	none	$529
14	Autograph Journey Wells Fargo, Points, most from Restaurants & Bars	$95 a year	$529
15	Altitude Connect U.S. Bank, Cash back, most from Groceries	none	$493
16	More Rewards American Express Navy Federal, Cash back, most from Groceries	none	$493
17	Business Gold Card American Express, Points, most from Restaurants & Bars	$375 a year	$478
18	Savor Capital One, Cash back, most from Groceries	none	$478
19	IHG One Rewards Premier Chase, Hotel, most from Restaurants & Bars	$99 a year	$456
20	SavorOne Capital One, Cash back, most from Groceries	$39 a year	$439
21	Costco Anywhere Visa Citi, Cash back, most from Restaurants & Bars	none	$433
22	Costco Anywhere Visa Business Citi, Cash back, most from Restaurants & Bars	none	$433
23	World of Hyatt Chase, Hotel, most from Restaurants & Bars	$95 a year	$427
24	Hilton Honors Card American Express, Hotel, most from Groceries	none	$409
25	Enjoy Cash Truist, Cash back, most from Groceries	none	$398
26	Business Advantage Travel Rewards Bank of America, Cash back, most from Groceries	none	$397
27	cashRewards Navy Federal, Cash back, most from Groceries	none	$397
28	Discover it Miles Discover, Cash back, most from Groceries	none	$397
29	Quicksilver Capital One, Cash back, most from Groceries	none	$397
30	Travel Rewards Bank of America, Cash back, most from Groceries	none	$397
31	DoorDash Rewards Mastercard Chase, Cash back, most from Groceries	none	$397
32	Atmos Rewards Ascent Visa Signature Bank of America, Airline, most from Groceries	$95 a year	$378
33	IHG One Rewards Business Chase, Hotel, most from Restaurants & Bars	$200 a year	$371
34	IHG One Rewards Traveler Chase, Hotel, most from Groceries	none	$364
35	AAdvantage Platinum Select Citi, Airline, most from Restaurants & Bars	$99 a year	$363
36	Marriott Bonvoy Business Card American Express, Hotel, most from Restaurants & Bars	$125 a year	$361
37	Delta SkyMiles Blue American Express, Airline, most from Restaurants & Bars	none	$361
38	Venmo Visa Credit Card Venmo / Synchrony, Cash back, most from Restaurants & Bars	none	$358
39	World of Hyatt Business Card Chase, Hotel, most from Restaurants & Bars	$199 a year	$350
40	Freedom Flex Chase, Points, most from Restaurants & Bars	none	$346
41	Pathfinder Rewards PenFed, Cash back, most from Groceries	$95 a year	$339
42	Business Altitude Connect Visa Signature U.S. Bank, Cash back, most from Restaurants & Bars	$95 a year	$337
43	Bonvoy Boundless Chase, Hotel, most from Groceries	$95 a year	$335
44	Hilton Honors Business Card American Express, Hotel, most from Groceries	$195 a year	$334
45	Premium Rewards Bank of America, Cash back, most from Groceries	$95 a year	$332
46	AAdvantage Business World Elite Mastercard Citi, Airline, most from Groceries	$99 a year	$332
47	Instacart Mastercard Chase, Cash back, most from Restaurants & Bars	none	$323
48	Amazon Visa Amazon / Chase, Cash back, most from Restaurants & Bars	none	$322
49	Prime Visa Amazon / Chase, Cash back, most from Restaurants & Bars	none	$322
50	Flagship Premier Visa Signature Navy Federal, Cash back, most from Restaurants & Bars	$95 a year	$315
51	Hilton Honors Surpass American Express, Hotel, most from Groceries	$150 a year	$312
52	Discover it Chrome Discover, Cash back, most from Restaurants & Bars	none	$305
53	Rapid Rewards Premier Chase, Airline, most from Groceries	$149 a year	$299
54	Delta SkyMiles Gold American Express, Airline, most from Groceries	$150 a year	$283
55	Marriott Bonvoy Bevy American Express, Hotel, most from Groceries	$250 a year	$276
56	Marriott Bonvoy Bountiful Chase, Hotel, most from Groceries	$250 a year	$276
57	Southwest Rapid Rewards Premier Business Chase, Airline, most from Restaurants & Bars	$149 a year	$265
58	Discover it Cash Back Discover, Cash back, most from Groceries	none	$265
59	Rapid Rewards Priority Chase, Airline, most from Groceries	$229 a year	$263
60	United Business Card Chase, Airline, most from Restaurants & Bars	$150 a year	$237
61	United Explorer Chase, Airline, most from Restaurants & Bars	$150 a year	$222
62	Delta SkyMiles Gold Business Card American Express, Airline, most from Restaurants & Bars	$150 a year	$211
63	Southwest Rapid Rewards Performance Business Chase, Airline, most from Restaurants & Bars	$299 a year	$132
64	Atmos Rewards Summit Visa Infinite Bank of America, Airline, most from Restaurants & Bars	$395 a year	$127
65	Strata Elite Citi, Points, most from Restaurants & Bars	$595 a year	$126
66	Delta SkyMiles Platinum American Express, Airline, most from Groceries	$350 a year	$104
67	United Quest Chase, Airline, most from Restaurants & Bars	$350 a year	$32
68	Sapphire Reserve Chase, Points, most from Restaurants & Bars	$795 a year	$4
69	Delta SkyMiles Platinum Business Card American Express, Airline, most from Groceries	$350 a year	−$9
70	Sapphire Reserve for Business Chase, Points, most from Groceries	$795 a year	−$140
71	Hilton Honors Aspire American Express, Hotel, most from Restaurants & Bars	$550 a year	−$156
72	United Club Business Card Chase, Airline, most from Groceries	$695 a year	−$219
73	Marriott Bonvoy Brilliant American Express, Hotel, most from Groceries	$650 a year	−$229
74	Platinum Card American Express, Points, most from Groceries	$895 a year	−$270
75	United Club Card Chase, Airline, most from Restaurants & Bars	$695 a year	−$305
76	AAdvantage Executive Citi, Airline, most from Groceries	$695 a year	−$311
77	Delta SkyMiles Reserve Business Card American Express, Airline, most from Groceries	$650 a year	−$330
78	Delta SkyMiles Reserve American Express, Airline, most from Groceries	$650 a year	−$332
79	Business Platinum Card American Express, Points, most from Groceries	$895 a year	−$366