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Cards With NO Annual Fee and NO Foreign Transaction Fee!

Cards With NO Annual Fee and NO Foreign Transaction Fee!

Million Mile SecretsCards With NO Annual Fee and NO Foreign Transaction Fee!Million Mile Secrets Team

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

There are lots of cards with NO annual fee, and several with NO foreign transaction fees.  But which cards have NEITHER fee?

Cards With NO Annual Fee And NO Foreign Transaction Fees
Cut Out the Fees! Find Out Which Cards Have NO Annual Fee and NO Foreign Transaction Fees!

I’ll tell you about your options, and why it’s a good idea to have one!

Cards with NO Annual Fees and NO Foreign Transaction Fees

No annual fee cards are helpful to your credit score because you can keep them long-term to extend the average age of your accounts.  And using a card responsibly for years improves your relationship with the bank.  Both will help you get approved for new cards!

And cards with NO foreign transaction fees are great to use overseas.  Because you can use them in other countries without paying extra for the privilege.

I thought it would be fun to see which cards have both features, for folks who hate fees!  (I hate fees too, but in certain cases, annual fees ARE worth it.  Other times, NOT!)

1.   Barclaycard Arrival

Link:   Barclaycard Arrival™ World MasterCard®

You won’t pay an annual fee or foreign transaction fees with the Barclaycard Arrival card.  And you’ll earn 2 Barclaycard Arrival miles per $1 you spend on travel and dining, and 1 Barclaycard Arrival mile per $1 on all other purchases.

2016-01-12_09-07-26
Earn 2X Barclaycard Arrival Miles on Travel and Dining With the Barclaycard Arrival Card

Barclaycard Arrival miles are worth 1 cent each towards travel purchases of $25 or more.  And you’ll earn a 5% miles rebate when you redeem miles for travel.

Plus, the Barclaycard Arrival includes chip-and-PIN technology, which makes it a terrific card to have when you’re traveling in Europe!  For example, some gas stations in Iceland only accept chip-and-PIN cards.

2.   BankAmericard Travel Rewards Card

Link:   BankAmericard Travel Rewards

The BankAmericard Travel Rewards credit card has no annual fee or foreign transaction fees and earns 1.5 points per $1 on every purchase, every time.

Cards With NO Annual Fee And NO Foreign Transaction Fees
Redeem Points From the BankAmericard Travel Rewards Card for Flights, Hotels, or Car Rentals

You can use the points for flights, hotels, or car rentals.  And you’ll get a 10% point bonus with an active Bank of America checking or savings account.

And you can redeem your points as soon as you have $25.

3.   Capital One Quicksilver Rewards and Venture One

Link:   Capital One Quicksilver Rewards

Link: Capital One® VentureOne® Rewards Credit Card

All Capital One cards have NO foreign transaction fees so you can use them for purchases abroad.

You’ll earn 1.5% cash back on all purchases with the Capital One Quicksilver Rewards.  This card also gets you 20% off Uber rides through April 30, 2016.

Cards With NO Annual Fee And NO Foreign Transaction Fees
Get 20% Off Uber Rides With the Capital One Quicksilver Rewards Card Through April 30, 2016

If you take Uber a lot and want a card with no annual fee or foreign transaction fees, this could be a good option.

And you’ll earn 1.25 miles per $1 spent with the Capital One VentureOne card when you redeem for travel.

While it has no annual fee and no foreign transaction fees, it’s NOT the best 1 on this list because Capital One pulls your credit from all 3 credit bureaus.  Instead you could apply for 3 different cards to get 3 sign-up bonuses!

4.   Discover It and Discover It Miles

Link:   Discover It

Link:   Discover It Miles

Discover is offering offering double cash back for new cardholders after the 1st 12 billing cycles.  You can get up to 10% cash back with this card!

The Discover It card has quarterly 5% cash back categories throughout the year, on up to $1,500 in purchases each quarter after you sign-up.  You’ll earn 1% cash back on everything else.

Cards With NO Annual Fee And NO Foreign Transaction Fees
The Discover It Cards Are a Great Option! But Remember to Have a Backup Card Because They Aren’t as Widely Accepted as Others

If you’re looking for a card with no bonus categories to remember, the Discover It Miles card earns 1.5 miles per $1 spent (worth 1.5% back) on all purchases.  And and the end of the 1st year, your miles are doubled.

That said, Discover cards are not as widely accepted as other cards, especially outside the US.  So you should always have a backup card.

5.   Barclaycard JetBlue

Link:   Barclaycard JetBlue Card

Link:   My Review of the Barclaycard JetBlue Card

The Barclaycard JetBlue card has no annual fee and no foreign transaction fees.  Plus, it has chip-and-PIN technology which is handy when you’re traveling in Europe!

2016-03-15_12-34-57
The Barclaycard JetBlue Has Chip-and-PIN Technology Which Is Useful for Traveling in Europe

With this card, you’ll earn 3 JetBlue points per $1 you spend on JetBlue purchases, 2 JetBlue points per $1 you spend at restaurants and grocery stores, and 1 JetBlue point per $1 you spend on everything else.

This is a terrific card for folks who like flying JetBlue for their free in-flight Wi-Fi, free snacks, and no blackout dates on award flights.

Bottom Line

NO annual fee cards are an excellent choice because you can keep them forever and possibly boost your credit score.  That helps when you’re looking to be approved for new cards!

And cards with NO foreign transaction fees are great to take abroad.  These cards usually have an annual fee.  But many times it’s waived the 1st year.  Some (but NOT all) are worth keeping a 2nd year.

I’m curious to know which of these cards interest you the most!

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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9 comments

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gerhard hasenkopf

Up to how much cash can i withdraw while overseas?

There is also Nordstrom Visa Credit Card. Also, a lot of credit union issued credit cards have no annual fee as well as foreign transaction fee.

@DCJoe - Thanks for the addition! It's a fantastic downgrade option!

@Alex - I hadn't heard of that one before. Thank you for sharing!

@AllenB @Karen P - Excellent tip! Thanks so much for reading and sharing!

@TheAristippianLibertine - Thank you for adding to the list!

@Maarree - Another score for Discover cards. Thank you!

For those who travel to the UK & Ireland (and are fans of Marks & Spencer) - bring your Discover card since it accepted there!

@AllenB, I had NO idea! I would normally never take my Discover card anywhere international as no one seems to take it. I'll store this China tidbit away for future use.

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