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Benefits of No Foreign Transaction Fees Credit Cards During Your Trips

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When we travel oversees — we always ask a question: “Shall I take cash? How much do I need to take? Shall I use my debit or credit card? Will it work oversees?”.

Taking into consideration our personal experience during travels, we figured out that using credit card is way more convenient using oversees. Hera are some benefits:

  • Less cash on you – more secure!
  • Basically, all merchants around the globe have card readers nowadays.
  • You may additionally accumulate points/miles (if credit card is reward one) for future vacations/trips.
  • Travel benefits of credit cards (TSA pre-check, lounge access and free checked bags).

Just have $100-200 in cash (just in case) and rest pay with credit card. You would think immediately: “FEES!”. But, thankfully, there are some credit cards with amazing feature of NO FOREIGN TRANSACTION FEES.

Here is the list of most popular credit cards without foreign transaction fees:

  • Capital One Quicksilver Cash Rewards Credit Card – No annual fee
  • Capital One VentureOne Rewards Credit Card – No annual fee
  • BankAmericard Travel Rewards Credit Card – No Annual Fee
  • The JetBlue Card – No Annual Fee
  • Capital One QuicksilverOne Cash Rewards Credit Card – $39 annual fee
  • Chase Sapphire Preferred Card – $95, waived first year
  • Barclaycard Arrival Plus World Elite MasterCard – $95, waived first year
  • Starwood Preferred Guest Credit Card from American Express – $95, waived first year
  • Alaska Airlines Visa Signature Credit Card – $75 annual fee
  • Marriott Rewards Premier Credit Card – $85 annual fee
  • The JetBlue Plus Card – $99 annual fee
  • United MileagePlus Explorer Card – $95, waived first year
  • Southwest Rapid Rewards Premier Credit Card – $99 annual fee
  • Premier Rewards Gold Card from American Express – $195, waived first year

There’s also a similar sounding fee that travel experts say you’re better off avoiding – the dynamic currency conversion fee. Many foreign shops will offer to convert your bill to the local currency. That may sound polite, but it is rarely a wise financial move.

If you choose to see your bill in native currency, vendors are charged a dynamic currency conversion fee, which gets passed on to the consumer, usually at a marked-up rate. Rates vary, but you could pay something as high as 5 percent. On a $100 purchase, that’s $5. – via

Image Credits:Sean MacEntee (flickr) used under CC BY 2.0 license / Resized from original.

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