Best no-annual-fee credit cards for international travel Eric Rosen. No-annual-fee cards typically have lower spend requirements to obtain their signup bonuses. When evaluating offers, please review the financial institution’s Terms and Conditions. Restrictions apply. No Blackout Dates. Earn 7 Hilton Honors bonus points per dollar spent directly with a hotel or resort within the Hilton Honors portfolio of brands; 5 points per dollar at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; and 3 per dollar on all other purchases. Redeem those points for travel, either by booking through the issuer or as a credit on your statement. Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening. Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. There is no annual fee. Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months. As long as you don't carry a balance, you don't have to worry about the card costing you money. Scoop up the signup bonus. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Because the Bank of America Travel Rewards credit card earns more than the Chase Sapphire Preferred Card starting in the second year, it earns more overall rewards by the sixth year, even with Chase’s 25% redemption bonus. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card. Read our review. Plus, you'll earn automatic Silver status and the valuable perks that come with it. charge annual fees. The PenFed Pathfinder Rewards American Express® Card is available to PenFed credit union members only, but it offers rich ongoing rewards and introductory offers. No matter where you go or how long you travel, using a credit or debit card with no foreign transaction fees is one of the easiest ways to save money while travelling, period.. Currency exchange booths at airports and banks can be convenient, but a lot of your money goes towards exchange fees (e.g. on Discover's website, or call (800) 347-0264, 0% intro APR on Purchases for 14 months and 10.99% intro APR on Balance Transfers for 14 months. Plus, it pays 0.25% cashback on spending worldwide – a small extra boost. They can also eliminate the need to pay interest fees on your trip with an introductory 0% APR offer, making these credit cards about as fee-free as you can get. We believe everyone should be able to make financial decisions with confidence. This offer is limited to new cardmembers only. You also get automatic Silver status. But if you're a leisure traveler just hoping to earn airline miles in the background, it's hard to do better than the. Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services. Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. It takes into consideration the default interest rate plus any mandatory, regular account fees. BEST NO ANNUAL FEE TRAVEL CARDS, Wells Fargo Propel American Express® card. The card details on this page have not been reviewed or provided by the card issuer. It doesn’t offer perks like free checked bags or priority boarding. Start with a great bonus offer, then earn extra rewards in a host of common spending categories — restaurants, gas stations, transit, travel, streaming and more. purchase card with no fees for foreign transactions or late payments. The ongoing rewards rate is lower than what some competitors offer. Best No Annual Fee Travel Credit Cards 2020: Personal Rewards Credit Cards. Generally, travel cards are your best bet when looking for credit cards with no foreign transaction fees. The card also provides an annual travel credit and a statement credit for airport security screening programs — perks mostly found on premium travel credit cards with high annual fees. Plus, signing up for a no-fee card doesn't necessarily mean giving up on valuable travel perks. A travel credit card behaves like a normal credit card, but with a few perks that are geared towards cutting down travel expenses. To unlock the most valuable perks of airline credit cards, you'll have to pay an annual fee. Why … However, APR doesn’t take into account other fees, such as those you may or may not be charged when you travel abroad. IHG® Rewards Club Traveler Credit Card. Some travel credit cards also have no fees for cash withdrawals made abroad. But if you won't earn enough rewards or use the cardholder benefits, a credit card with no annual fee is a better, low-cost solution. With the JetBlue Card, you can earn easy rewards on everyday purchases in addition to airfare. Earn 100,000 bonus points after spending $2,000 on purchases within the first three months of account opening, Earn up to 15 points total per $1 spent when you stay at an IHG hotel, Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. With automatic Gold status, you also get additional perks. Below is our choice of the best travel credit cards for use abroad, chosen after considering fees on ATM withdrawals, fees on non-sterling transactions, interest rates on cash withdrawals (which are often higher than the purchase APR) and other perks, when available. Earn 7 Hilton Honors bonus points per dollar spent directly with a hotel or resort within the Hilton Honors portfolio of brands; 5 points per dollar at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; and 3 per dollar on all other purchases. Best travel credit cards with no annual fee for 2020. Foreign transaction fees. †Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. The IHG® Rewards Club Traveler Credit Card earns rewards quickly on IHG hotel stays and eligible everyday purchases. Best of all, they won't cost you a dime - as long as you pay your balance in full each month. Among the ways to lower your travel expenses is to use a credit card that charges no foreign transaction fees when making purchases or converting to the local currency. Just a Miles-for-Miles match. The card doesn't charge a foreign transaction fee, and there's a generous sign-up bonus. If you're interested in trying out a rewards card with travel perks, you might want to consider a midrange travel rewards card that either waives its annual fee for the first year or has a $0 introductory annual fee. Discover is accepted nationwide by 99% of the places that take credit cards. There's no free anniversary night benefit, and point values are relatively low. Delta SkyMiles® Blue American Express Card. If you travel on a regular basis, a no-annual-fee travel rewards credit card should be on your radar. These best no annual fee travel credit cards for personal use are a good option as a secondary credit card or to replace your current daily credit card. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. And you get Discover's unique sign-up offer: UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. 25,000 points is worth a $250 statement credit toward travel purchases. You'll also earn automatic Silver status and the valuable perks that come with it. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year. The best credit card for your travel style doesn’t necessarily come with an exorbitant annual fee. rewards you well for Wyndham stays, while also earning bonus points in some popular everyday categories. American Airlines AAdvantage MileUp℠ Card. With one or more of these cards in your pocket, you can earn credits that pay for all, or part, of those pesky expenses that keep most people glued to their couch. Discover it Miles will match all the miles you've earned at the end of your first year. However, these are some of the best as you can earn rewards points for some of the best travel programs in … These no-fee travel rewards cards can be great for casual travelers and younger travelers looking to fund a trip on rewards without shelling out for an annual fee. The card earns 30,000 bonus points after spending $3,000 on the card within the first three months. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. There’s no signing up, no minimum spending or maximum rewards. Halifax Clarity Credit Card Earn unlimited Marriott Bonvoy points and get Free Night Stays faster. For example, you might like to get a prepaid credit card for travel. Wyndham Rewards® Visa® With No Annual Fee, 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, 25,000 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, Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions, Redeem points for a statement credit to pay for car and vacation rentals, hotels, flights or baggage fees, even campgrounds and tourist attractions, 0% Introductory APR for 12 billing cycles for purchases. No-annual-fee travel credit cards offer rewards for no yearly cost of card ownership. Whether you’re driving across the border or flying overseas, you should always make sure that you have a card in your wallet with no foreign transaction fees. is the rare travel credit card that lets you redeem your rewards for travel or for cash back at the same rate. Terms apply. For more tips, check out our guide to travel credit cards. Choose from cards with no foreign transaction fees, or perks like lounge access. The Wells Fargo Propel American Express® card offers so much value, it's hard to believe there's no annual fee. These cards are typically premium travel rewards cards that have annual fees, but there are some credit cards with both no annual fee and no foreign transaction fees. Terms apply to the offers listed on this page. Last updated 15 September 2020. For example, if you earn 35,000 Miles, you get 70,000 Miles. You’re earning 3x (a sizeable rewards bonus for a no-annual-fee card) across a wide range of common spending categories. Most credit card providers charge a non-sterling transaction fee of 2.99% and a non-sterling cash fee of 3% (minimum £3) plus cash advance interest which can be as high as 29.9%. You should consult your own professional advisors for such advice. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. *See the card issuer's online application for details about terms and conditions. Read our review. When you purchase your overseas flights on your credit card, you also receive free international travel insurance covering car rental up to $3,000. As the number of travel credit cards on the market has increased, so, too, has the selection of travel credit cards without annual fees. These cards are typically premium travel rewards cards that have annual fees, but there are some credit cards with both no annual fee and no foreign transaction fees. Discover's acceptance is limited internationally. , you don't pay an annual fee, but you also don't get rewards as rich as those on the regular Venture card. You also get automatic Silver status. The Bank of America Travel Rewards credit card has no annual fee, so every year after the first year, your yearly earnings value will be $294.84. Credit card fee structures can get fiddly, so the APR’s designed to benchmark the yearly cost to borrow, with a view to helping consumers compare cards against each other. Earn 1 point per $1 spent on all other purchases, IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®. In comparison, most other credit cards charge a fee of 2–3% of each international transaction you make. Unlike some other hotel credit cards, this card doesn’t offer automatic elite status. As the number of travel credit cards on the market has increased, so, too, has the selection of travel credit cards without annual fees. Capital One VentureOne: Travel booked in the last 90 days, including purchases made from airlines, hotels, rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents and time shares. Before applying, confirm details on the issuer’s website. Many people can now go on holiday (depending on local restrictions) as the new tier system across the UK is now in place. Follow us on Twitter and Facebook for our latest posts. Pre-qualified offers are not binding. Best Overall Rewards Card with No Annual Fee. Wherever your dream destination is, get there sooner with our Credit Cards for travel. Best no fee travel credit card MBNA Rewards Platinum Plus. There is no annual fee. It also offers a fourth night free when you redeem points for a stay of four nights or more. The best credit card for your travel style doesn’t necessarily come with an exorbitant annual fee. The benefit of most travel cards is they don’t charge these foreign transaction fees. With the Capital One VentureOne Rewards Credit Card, you don't pay an annual fee, but you also don't get rewards as rich as those on the regular Venture card. Westpac Lite Credit Card – Low 9.90% p.a. The best credit cards with no foreign transaction fees have annual fees as low as $0 and initial rewards bonuses worth up to $1,000 in travel, to go along with their $0 foreign fees and elite ongoing rewards. Our list of the best rewards cards that charge no annual fee also features hotel and travel rewards options, as well as business credit cards and options for consumers who have bad credit, so you aren’t just limited to cash back or points. Amex EveryDay Credit Card. The Best Western Rewards® Mastercard® offers solid rewards you can redeem for stays and a variety of other options. Now that you know what to look for, check what your credit card provider charges on foreign transactions to see if you might be better off with a specialist travel credit card. Earn 15 points total per $1 spent on stays at IHG hotels (5 points with the card and 10 points as an IHG Rewards Club member); 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants; and 1 point per $1 spent on all other purchases. With so many rewards credit cards offering different reward structures and perks, it can be difficult to choose the best option for you. But for those who are adamantly opposed to paying one, here are our favorite no-annual-fee travel cards. Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights*. The Marriott Bonvoy Bold™ Credit Card offers bonus rewards not only on purchases at Marriott Bonvoy hotels, but also on other travel purchases. No matter where you go or how long you travel, using a credit or debit card with no foreign transaction fees is one of the easiest ways to save money while travelling, period.. Currency exchange booths at airports and banks can be convenient, but a lot of your money goes towards exchange fees (e.g. Earn 2 miles per $1 spent at restaurants worldwide and on purchases made directly with Delta, and 1 mile per $1 spent on other purchases. Free when you click on links to those products out below if those deals are actually worth your.! Appealing to frugal or infrequent travelers new card in your first year addition to airfare best options available along... The offers listed on this page common spending categories currently 15.49 % to 2.99 %, please TransUnion®! 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