I am looking for a credit card that offers cash back but does not charge foreign transaction fees.

Finding a cash back credit card that doesn't charge foreign transaction fees can be a bit of a treasure hunt, since many traditional cash back cards tack on a 3% fee for international purchases . However, there are some great options available that give you cash back (or statement-creditable rewards) with 0 foreign transaction fees.

Top options to consider:

- **Rewards:** Unlimited 1.5% cash back on every purchase.
- **Fees:** $0 annual fee and 0% foreign transaction fees.
- **Why it's great:** It's a straightforward flat-rate card, and Capital One is well known for waiving foreign transaction fees across its entire lineup. You can check details on the Capital One Quicksilver overview.[](https://money.usnews.com/credit-cards/no-foreign-transaction-fee) [[1]](https://money.usnews.com/credit-cards/no-foreign-transaction-fee)

- **Rewards:** 5% cash back on rotating quarterly categories (activation required) and 1% on everything else.
- **Fees:** $0 annual fee and 0% foreign transaction fees.
- **Why it's great:** All Discover cards feature 0% foreign transaction fees. *The catch:* Acceptance outside the U.S. can be spotty compared to Visa or Mastercard, so it's best used as a secondary card abroad. Learn more directly via Discover.

- **Rewards:** 5% back at Amazon and Whole Foods, 2% back at restaurants, gas stations, and local transit/commuting, and 1% back on other purchases.
- **Fees:** $0 foreign transaction fees (requires an eligible Prime membership).
- **Why it's great:** If you already pay for Amazon Prime, this card offers high-tier cash back categories and completely free international swiping. Review the terms on the Amazon Prime Visa summary.

- **Rewards:** Earns 3× points on a wide array of everyday categories including dining, travel, gas, transit, streaming, and phone plans (redeemable for cash back).
- **Fees:** $0 annual fee and 0% foreign transaction fees.
- **Why it's great:** While technically a points card, the points convert directly to cash back at a 1 cent per point rate, making it function like a high-earning cash back card for travel and daily spending.

If you want to narrow this down, let me know:

• Do you prefer a flat-rate card (same percentage on everything) or bonus categories (like dining or groceries)?
• Do you already have a preferred credit network (Visa, Mastercard, Discover, Amex)?

Assuming you’re looking for a UK credit card, there are a few good options that combine cashback + no foreign transaction fees. The best choice depends on whether you value higher cashback or stronger travel features.

My shortlist

• Best overall for travel + cashback: Lloyds Ultra — stronger cashback initially and no overseas fees.
• Best simple no-fee option: Barclaycard Rewards Visa — modest cashback but no annual fee and travel-friendly features.
• Best if you want everyday cashback too: Virgin Money Everyday Cashback — combines cashback with fee-free overseas spending.

A few things to check before applying:

• Pay the balance in full each month if possible; otherwise interest can easily outweigh cashback.
• “No foreign transaction fee” usually means no extra card fee, but exchange rates still matter.
• Avoid choosing to pay in GBP abroad (“dynamic currency conversion”) when offered; paying in the local currency is usually better.

If you tell me your country (UK/US/other), typical monthly spending, and whether you travel abroad often, I can narrow it to the best match.

If you want cash back + no foreign transaction fees, these are some strong options to consider. (Most foreign transaction fees are around 1%–3%, so avoiding them matters if you travel or buy from international merchants.)

Experian NerdWallet### My shortlist

• Best simple choice: Capital One Quicksilver Cash Rewards — good if you want one card for domestic and international spending without tracking categories. It offers unlimited cash back and no foreign transaction fees.
• Best if you spend heavily on food/entertainment: Capital One Savor Cash Rewards — stronger rewards in several everyday categories while still avoiding foreign transaction fees.
• Best if you already shop at Costco: Costco Anywhere Visa by Citi — useful if your spending matches its bonus categories.

A few things to check before applying:

• Make sure the card is on a widely accepted network (Visa or Mastercard tend to work broadly overseas).
• Pay in the local currency when traveling; accepting a merchant’s currency conversion can add extra costs.
• Consider whether you value a flat cash-back rate or bonus categories more.

If you tell me your approximate credit score range, annual spending categories (travel, dining, groceries, gas, online shopping), and whether you want no annual fee, I can narrow it down.

Finding a cash back credit card with no foreign transaction fees is a smart move if you want to avoid extra charges (usually 3% per swipe) while traveling abroad or shopping on international websites.

The top options on the market that combine cash back (or flexible cash-equivalent rewards) with $0 foreign transaction fees include:

• Capital One Savor Cash Rewards Credit Card: Features a $0 annual fee and $0 foreign transaction fees. It earns robust cash back on dining, entertainment, popular streaming services, and grocery stores, making it a stellar choice for food and fun both at home and overseas (wherever dining/entertainment codes match). You can check out more details on the Capital One Savor Rewards page.
• Discover it® Cash Back: Discover is unique because none of their cards charge foreign transaction fees. It features rotating 5% cash back categories (upon activation) and 1% back everywhere else, with a $0 annual fee. (Note: While it has no foreign fees, Discover acceptance is more limited outside the U.S. compared to Visa or Mastercard). You can look over the terms on the Discover it Cash Back overview.
• Capital One Quicksilver Cash Rewards Credit Card: Offers a flat, straightforward 1.5% cash back on every purchase with no annual fee and no foreign transaction fees. All Capital One consumer cards come with $0 foreign transaction fees.
• Wells Fargo Autograph℠ Card: Though technically a points-based card rather than direct cash back, the points redeem easily for cash back at a 1 cent per point rate. It charges a $0 annual fee, has no foreign transaction fees, and earns an unlimited 3× points on a wide array of everyday categories including dining, travel, gas, transit, popular streaming, and phone plans. Details can be found via Wells Fargo Transfer Partners.

To help narrow down the best fit for your wallet, tell me:

• What are your top spending categories (e.g., dining, groceries, travel, or general flat-rate spending)?
• Do you prefer a flat-rate card or one with bonus categories?

Finding a cash-back card that doesn't penalize you for international spending can be a bit of a treasure hunt, since many traditional cash-back cards charge a 3% foreign transaction fee . Fortunately, a few standout options offer great cash back (or flexible points redeemable for cash) with $0 annual fees and 0% foreign transaction fees.

Top Choices for Cash Back & No Foreign Transaction Fees

• Capital One Quicksilver Cash Rewards Credit Card
  • Rewards: Unlimited 1.5% cash back on every purchase, every day.
  • Fees: $0 annual fee and $0 foreign transaction fees.
  • Why it’s great: It is the epitome of simplicity—no categories to track, and it works seamlessly worldwide. (Plus, it's a Mastercard, giving it strong international acceptance).
• Capital One Savor Cash Rewards Credit Card
  • Rewards: Unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target), plus 1% on everything else.
  • Fees: $0 annual fee and $0 foreign transaction fees.
  • Why it’s great: If your spending leans heavily into food and entertainment both at home and abroad, the 3% multiplier makes it a high-earner.
• Wells Fargo Autograph® Card
  • Rewards: Unlimited 3 points per $1 on restaurants, travel, gas stations, transit, popular streaming services, and phone plans (1x on other purchases). Points can be redeemed directly for cash back.
  • Fees: $0 annual fee and $0 foreign transaction fees.
  • Why it’s great: Technically a rewards card rather than pure cash back, its 3x categories cover a massive sweep of common travel and everyday expenses.
• • Rewards: 2% cash back when using Apple Pay, 3% at Apple and select merchant partners, and 1% with the physical titanium card.
  • Fees: $0 annual fee, $0 foreign transaction fees, and no late fees.
  • Why it’s great: Excellent if you rely heavily on your phone/Apple Pay while traveling, though keep in mind the physical card's lower 1% rate and varying acceptance of Apple Pay globally.

To help narrow down the best fit, tell me:

• What are your top spending categories (e.g., dining, groceries, general flat-rate shopping)?
• Do you prefer a simple flat-rate card or one with bonus categories?

Yes. If you want cash back + no foreign transaction fees, there are some particularly good U.S. cards.

My top picks

The Capital One Savor is probably the strongest fit. Capital One currently lists $0 annual fee and no foreign transaction fees, with 3% cash back at grocery stores, dining, entertainment and popular streaming services, plus 1% on other purchases.

If you prefer a completely straightforward card, Quicksilver is attractive because it earns 1.5% on every purchase and has no foreign transaction fees or annual fee.

One useful point: Capital One says none of its U.S.-issued credit cards charge foreign transaction fees, so you have several options if you want to stay with that issuer.

My recommendation: If you travel internationally and spend a lot on restaurants/groceries, go with Savor. If you want maximum simplicity, choose Quicksilver.

If you tell me your approximate credit score and your biggest spending categories (e.g., groceries, gas, restaurants, travel), I can narrow it down to the best 2–3 cards for you.

Finding a cash-back card that doesn't penalize you for international use (or buying from foreign online merchants) can be a bit tricky, as many traditional cash-back cards charge a 3% foreign transaction fee . However, several top issuers waive this fee entirely while offering strong cash back or flexible cash-equivalent redemption.

Top options for cash-back credit cards with no foreign transaction fees include:

• Capital One Savor Cash Rewards Credit Card : Features a $0 annual fee and 0% foreign transaction fees. It earns unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores, making it one of the best options for spending abroad (especially on food and leisure). (Note: Capital One processes this as a Mastercard, giving it broad international acceptance).
• Capital One Quicksilver Cash Rewards Credit Card : Another $0 annual fee card from Capital One that features no foreign transaction fees. It offers a straightforward, flat-rate 1.5% cash back on every purchase with no categories to track.
• Discover it® Cash Back : While Discover doesn't charge foreign transaction fees, keep in mind that its acceptance network is more limited outside the United States compared to Visa or Mastercard. If you travel to countries where Discover is partnered with local networks (like UnionPay in parts of Asia or RuPay in India), it’s a solid choice with its 5% rotating quarterly categories and $0 annual fee.
• Bread Cashback™ American Express® Credit Card : Offers an unlimited 2% cash back on all purchases with no categories to manage, a $0 annual fee, and no foreign transaction fees.
• Alliant Cashback Visa® Signature Credit Card : A great credit union option that can yield high flat-rate cash back (up to 2.5% if you meet certain checking account tier requirements), a $0 annual fee, and no foreign transaction fees.

To help narrow down the best choice for you, let me know:

• Do you prefer a flat-rate cash back on everything, or bonus categories (like dining and groceries)?
• Are you planning to use the card traveling internationally or strictly for online international shopping?

Yes. If you want cash back + no foreign transaction fees, there are several good choices. The best one depends mainly on whether you want simple flat-rate cash back or higher rewards in certain categories.

My top picks

The Capital One Savor stands out to me. It has a $0 annual fee, no foreign transaction fees, and currently earns 3% cash back on groceries, dining, entertainment and eligible streaming, plus 1% on other purchases. Capital One is also currently advertising a $250 bonus after $500 in purchases within the first 3 months, subject to eligibility.

If you want the simplest possible setup, Quicksilver is attractive because it pays 1.5% on every purchase without having to track categories.

For someone who travels frequently, Wells Fargo Autograph is another particularly strong option: it has no annual fee, no foreign transaction fee, and 3X points in several travel-related categories.

What I'd choose

• Mostly groceries/restaurants + international travel: Capital One Savor
• Don't want to think about categories: Capital One Quicksilver
• Travel frequently and spend heavily on travel/gas/transit: Wells Fargo Autograph
• Already bank/invest with Bank of America: Bank of America Travel Rewards can be worth considering; it has no annual or foreign transaction fees and earns 1.5 points per dollar.

One important detail: “no foreign transaction fee” doesn't necessarily mean the card is ideal for international travel. Network acceptance matters too, especially outside the U.S.

If you tell me your approximate credit score, annual spending on groceries/dining/travel, and whether you want a $0 annual fee, I can narrow this down to the best 2–3 cards for you and compare the actual dollar rewards.

Yes. If your priority is cash back + no foreign transaction fee, there are several strong options in 2026.

My top two

1. Capital One Savor — best if you spend a lot on food and entertainment

It earns 3% back at grocery stores, restaurants, entertainment and popular streaming services, plus 1% on other purchases. It has no annual fee and no foreign transaction fees.

2. Fidelity Rewards Visa — best for a simple 2% everywhere

You get unlimited 2% cash back on essentially all purchases, with no annual fee and no foreign transaction fee. The important catch is that you get the full 2% value when you redeem the rewards into an eligible Fidelity account. It's a Visa, which is also useful for international acceptance.

PenFed Power Cash Rewards is another interesting 2%-everywhere option: it offers 2% to Honors Advantage members and 1.5% otherwise, with no annual fee or foreign transaction fee.

What I'd choose

If you travel internationally and want one card for both everyday spending and travel, I'd lean toward Fidelity Rewards Visa for simplicity, or Capital One Savor if dining/groceries are a significant portion of your spending.

If you tell me roughly how much you spend each month on groceries, dining, gas, travel, and everything else, I can compare the top cards and estimate which would give you the most cash back per year.

Finding a cash-back credit card that waives foreign transaction fees is a great way to save money while traveling internationally or shopping online from global merchants. Most standard cash-back cards charge a 3% fee per international transaction, but several top-tier options charge 0%.

Here are some of the best cash-back and flat-rate rewards credit cards with no foreign transaction fees:

• Fidelity® Rewards Visa Signature® Card
  • Rewards: Unlimited 2% cash back on every purchase (when deposited into an eligible Fidelity account like a brokerage or retirement account).
  • Annual Fee: $0
  • Foreign Transaction Fee: None
  • Why it's great: A true, straightforward 2% flat-rate card with wide Visa acceptance and no international surcharges.
• Capital One Savor Cash Rewards Credit Card
  • Rewards: Unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target), plus 5% on hotels and rental cars booked through Capital One Travel.
  • Annual Fee: $0
  • Foreign Transaction Fee: None
  • Why it's great: Excellent multiplier categories for travelers who spend heavily on food and entertainment globally.
• Capital One Quicksilver Cash Rewards Credit Card
  • Rewards: Unlimited 1.5% cash back on every purchase, everywhere.
  • Annual Fee: $0
  • Foreign Transaction Fee: None
  • Why it's great: No categories to track or activate—just a simple, reliable flat rate for minimalists.
• Prime Visa
  • Rewards: 5% back on Amazon.com and Whole Foods Market (for Prime members), 2% back at restaurants, gas stations, and transit/commuting.
  • Annual Fee: $0 (requires an eligible Amazon Prime membership)
  • Foreign Transaction Fee: None
  • Why it's great: High rewards potential if you already use Amazon frequently, backed by strong Visa Signature travel benefits.
• Bread Cashback™ American Express® Credit Card
  • Rewards: Unlimited 2% cash back on all everyday purchases.
  • Annual Fee: $0
  • Foreign Transaction Fee: None
  • Why it's great: A rare American Express card that offers a flat 2% back with zero foreign transaction fees, though Amex acceptance can occasionally be lower abroad than Visa/Mastercard.

If you tell me your top spending categories (like dining, groceries, or general flat-rate spending) and whether you prefer a Visa/Mastercard for global acceptance, I can help you pick the ideal card for your wallet.