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USA Cards with no Foreign Transaction Fees

USA Cards with no Foreign Transaction Fees

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Old Jul 10, 16, 3:19 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: sdsearch
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American Express
Platinum ($450 Annual fee) http://www304.americanexpress.com/ge.../Platinum-Card
Plum Card (Business) ($250 Annual Fee) https://www.americanexpress.com/us/s...dit-cards/plum
Delta Reserve Card ($450 Annual Fee) https://www304.americanexpress.com/c...ta-credit-card
Delta Platinum Card ($195 Annual Fee) https://www304.americanexpress.com/credit-card/skymiles
Delta Gold Card ($95 Annual Fee) https://www304.americanexpress.com/c...delta-skymiles
Starwood Preferred Guest Card ($95 Annual Fee)https://www.americanexpress.com/us/c...referred-guest

Associated Credit Union Visa Platinum Preferred (no annual fee) http://www.acuonline.org/home/products/credit

Bank of America
Alaska Airlines Visa Signature cards, both personal and business ($75 Annual Fee) see the wikipost in this thread for signup links (which periodically change)
Amtrak Guests Rewards (two versions, one version with no annual fee) http://agr.amtrak.com/apply/
BankAmericard Travel Rewards (no annual fee; includes chip with online PIN as backup CVM) https://www.bankofamerica.com/credit...credit-card.go
Celebrity Cruises ($69 Annual Fee) https://www.bankofamerica.com/credit...credit-card.go

Barclays
Arrival Card ($0 Annual Fee) http://www.barclaycardarrival.com/ar...4&cellNumber=1
Arrival Plus Card ($89 Annual Fee) http://www.barclaycardarrival.com/
Carnival Cruises FunPoints ($0 Annual Fee) https://www.barclaycardus.com/apply/...2&cellNumber=2
Hawaiian Airlines ($89 Annual Fee) http://www.hawaiianairlinescard.com/
Lufthansa Miles & More Card ($79 Annual Fee, waived for certain miles & more members) https://www.barclaycardus.com/apply/...erid=BCSHP1214
Princess Cruises Card ($0 Annual Fee) https://www.barclaycardus.com/apply/...1&cellNumber=3
AAdvantage Aviator Red MasterCard ($89 Annual Fee; new applications not available)
Priceline Rewards ($0 Annual Fee)https://home.barclaycardus.com/cards...visa-card.html

Capital One --all cards http://www.capitalone.com/creditcard...ts/browse-all/ also see partner cards http://www.capitalone.com/creditcard...04_T_CCBRWPTNR

Chase
IHG Rewards Club Select ($49 fee, waived 1st yr, one free hotel night cert. yearly) https://creditcards.chase.com/credit...edit-card.aspx (previously known as Priority Club Select)
Hyatt ($75 annual fee, one free hotel night cert. yearly for category 1-4 hotels) https://creditcards.chase.com/credit...yatt-card.aspx
Marriott Rewards Premier ($85 annual fee, waived 1st yr, one free hotel night cert. yearly for category 1-5 hotels) https://creditcards.chase.com/credit...dit-cards.aspx
British Airways ($95 annual fee, 2-for-1 cert. after $30k annual spend) https://creditcards.chase.com/credit...edit-card.aspx
JP Morgan Select Visa (has both chip & signature and magnetic strip--$95 fee, waived 1st yr, has primary rental car coverage) https://creditcards.chase.com/credit...lect-card.aspx
Sapphire Preferred ($95 fee, waived 1st yr, 20% point discount on travel, 7% annual points bonus) https://creditcards.chase.com/credit...rred-card.aspx
United MileagePlus Club card ($395 annual fee, $100 statement credit, United Club membership, 2 free checked bags on UA, UA Premier Access) https://creditcards.chase.com/credit...edit-card.aspx
United MileagePlus Explorer card ($95 annual fee waived first year; 30K-55K sign-up bonus, depending on landing page offer [see UA forum for more info], free checked bag on UA, priority boarding on UA) https://creditcards.chase.com/credit...edit-card.aspx
Ink Bold Business ($95 annual fee, waived first year)
https://www.chase.com/online/busines...s/ink-bold.htm
Ink Plus Business ($95 annual fee, waived first year)
https://creditcards.chase.com/ink-bu.../ink-plus-card
Ritz-Carlton Rewards Credit Card (has both chip & signature and magnetic strip--$395 Annual fee. Has primary rental car coverage) https://creditcards.chase.com/credit...lton-card.aspx http://www.ritzcarltonrewardscard.com/home.php?pid=home

Citi
ThankYou Premier ($125 annual fee, waived 1st yr) https://www.citi.com/credit-cards/cr...er-credit-card
Prestige ($450 annual fee) https://www.citi.com/credit-cards/cr...-prestige-card
Executive AAdvantage ($450 annual fee) https://www.citi.com/credit-cards/cr...ite-mastercard
Expedia+ Voyager ($95 annual fee) https://www.citi.com/credit-cards/cr...a-plus-voyager
Hilton HHonors Reserve ($95 annual fee) https://www.citi.com/credit-cards/cr...s-reserve-card
AAdvantage Platinum MC ($95 annual fee, waived first year, retention offers may be possible subsequent years) -- as of 15 Nov 2015

Discover --all cards. no annual fee.
http://www.discovercard.com/credit-cards/

HSBC--several cards (But be careful--many of these cards have *very* low limits. The
Premier card, no annual fee, is a notable exception.) http://www.premiercardbenefits.com/1/2/3/

PenFed --all cards
examples:
Amex
(no annual fee) https://www.penfed.org/productsandra...cards/amex.asp
Promise Visa (no annual fee) https://www.penfed.org/productsandra...romisecard.asp

Navy Federal Credit Union --all cards
https://www.navyfederal.org/products...reditcards.php

Andrews FCU GlobeTrek Rewards Visa (No Annual Fee/Supports Chip & Pin) https://www.andrewsfcu.org/credit_ca...k_rewards.html

State Dept FCU Visa Platinum EMV Card (No Annual Fee/Supports Chip & Pin) https://www.sdfcu.org/emv-creditcards

San Francisco Fire Credit Union Platinum Visa (no annual fee) http://www.sffirecu.org/loans/credit-cards

Union Bank Graphite American Express ($99 annual fee, waived first year)
https://www.unionbank.com/personal-b...ards/index.jsp

**please check UA Fan's excellent list to see current bonus sign-up offers**
http://www.flyertalk.com/forum/miles...er-thread.html
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Old Aug 31, 11, 10:38 pm
  #61  
 
Join Date: Oct 2005
Location: Berkeley
Programs: LH, BA, SPG
Posts: 142
The Premier Miles & More World MasterCard issued by Barclays US has no FX fee. The annual fee is $79.
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Old Sep 14, 11, 8:48 pm
  #62  
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Originally Posted by bawr View Post
The Premier Miles & More World MasterCard issued by Barclays US has no FX fee. The annual fee is $79.
List updated.
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Old Sep 15, 11, 8:51 pm
  #63  
 
Join Date: Mar 2004
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Originally Posted by bawr View Post
The Premier Miles & More World MasterCard issued by Barclays US has no FX fee. The annual fee is $79.
where are you getting the information that this card has no fx fee? i checked the terms and conditions on the actual application and they say that it imposes a 1% fx fee.

"Foreign Transaction: 1% of each transaction in U.S. dollars."
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Old Sep 15, 11, 9:46 pm
  #64  
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Originally Posted by alemdohorizonte View Post
where are you getting the information that this card has no fx fee? i checked the terms and conditions on the actual application and they say that it imposes a 1% fx fee.

"Foreign Transaction: 1% of each transaction in U.S. dollars."
Good catch! I don't know if this was an older version of the card that was mentioned or what, but you are right. Current T & C show a 1% foreign tx fee. I'll delete it from the list!
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Old Sep 16, 11, 3:14 am
  #65  
 
Join Date: Oct 2005
Location: Berkeley
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Originally Posted by alemdohorizonte View Post
where are you getting the information that this card has no fx fee? i checked the terms and conditions on the actual application and they say that it imposes a 1% fx fee.

"Foreign Transaction: 1% of each transaction in U.S. dollars."
It is from personal experience with the card. I got this card soon after it was first offered, so it is possible the terms which apply to my account are different from what is available now. I will have to find and review my account agreement to see if it explicitly refers to forex fees.
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Old Sep 16, 11, 4:20 pm
  #66  
 
Join Date: Sep 2011
Location: ARN/NYO/BMA
Posts: 3
The Swedish bank ICABanken offers a MasterCard with an annual fee of 30~ dollars or 27 euro that has no FX/transaction rate or fee. I believe that this is for Swedish citizens only (and as you might already know today the European Union proposed a tax on financial transactions, so I guess the free transactions won't help you anyway soon enough)
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Old Sep 22, 11, 6:56 am
  #67  
 
Join Date: Jul 2006
Programs: ML
Posts: 31
Discover dropping all foreign exchange fees to 0% on diners club network

Just heard from multiple CSR reps and a supervisor (some CSRs don't know yet) that as of November 7th, discover, which is now a diners club network card and has the logo on the back for merchant acceptance overseas now they tell me, will drop their foreign exchange surcharge from 2% to zero percent.

I gather they plan a marketing campaign in mid-October sometime as well. I was looking at the Discover "Escape" DC card - made a post about it in the DC forum.

Anyone hear differently? Please let me know, don't want to perpetuate bad information, but the escape and possibly miles cards look decent now. As I recall DC merchant acceptance was on par or even a bit better than AMEX abroad. But it has been a long time though.

Hope this helps!
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Old Sep 22, 11, 9:16 am
  #68  
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Originally Posted by saradon View Post
Just heard from multiple CSR reps and a supervisor (some CSRs don't know yet) that as of November 7th, discover, which is now a diners club network card and has the logo on the back for merchant acceptance overseas now they tell me, will drop their foreign exchange surcharge from 2% to zero percent.

I gather they plan a marketing campaign in mid-October sometime as well. I was looking at the Discover "Escape" DC card - made a post about it in the DC forum.

Anyone hear differently? Please let me know, don't want to perpetuate bad information, but the escape and possibly miles cards look decent now. As I recall DC merchant acceptance was on par or even a bit better than AMEX abroad. But it has been a long time though.

Hope this helps!

I haven't heard this, but will add it to the list once I can provide a link that verifies the 0% fee.
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Old Oct 1, 11, 9:10 am
  #69  
 
Join Date: Jul 2006
Location: Seoul (GMP/RKSS) HNL/PHNL
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Originally Posted by Montacute View Post
I haven't heard this, but will add it to the list once I can provide a link that verifies the 0% fee.
Originally Posted by Discover Financial Services

Dear fiveninerzero:

Enclosed please find a copy of our Privacy Policy. This Privacy Policy explains what type of information we collect from our cardmembers and how we are committed to keeping that information safe. We send this notice out annually to all of our cardmembers, including accounts with no activity and closed accounts with balances. Please note, if you have previously contacted us to opt out of information sharing, we will continue to honor that request.

We are pleased to inform you that, effective 11/06/11 we will no longer charge a Foreign Currency Fee on any international purchases made with your Discover® card. Additionally, we will no longer charge a Research Fee for any copies of billing statements or receipts that you request.

If you have any questions or if we can be of any assistance, please call us at 1-800-347-2683.

Thank you for choosing Discover card.

Sincerely,

Discover Card Customer Service
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Old Oct 1, 11, 12:11 pm
  #70  
 
Join Date: Jul 2010
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Wow - it does seem like Discover has ditched FX transaction fees on all their cards. A good move indeed!
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Old Oct 1, 11, 5:52 pm
  #71  
 
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I definitely recommend Discover for anybody traveling to China. You can use it at any UnionPay merchant (in short-far wider acceptance) and there is no risk of the forced DCC that's plagued Visa/MC users over here so much.

In the past I was reluctant to recommend it due to FX fee, but now that's gone, I'm going to be telling more people about it.
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Old Oct 1, 11, 9:27 pm
  #72  
 
Join Date: Jul 2010
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Originally Posted by jamar View Post
I definitely recommend Discover for anybody traveling to China. You can use it at any UnionPay merchant (in short-far wider acceptance) and there is no risk of the forced DCC that's plagued Visa/MC users over here so much.

In the past I was reluctant to recommend it due to FX fee, but now that's gone, I'm going to be telling more people about it.
+1 on this. When I lived in China, I often wanted to use my Discover card, but that fee kept me from doing so...so I just used my Schwab card. Now that that card is ending, Discover and Unionpay's agreement makes traveling back to China a whole lot easier.
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Old Oct 4, 11, 3:08 pm
  #73  
 
Join Date: Jan 2006
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Penfed announced today that they have eliminated the foreign transaction fee on all of their cards:

http://www.marketwatch.com/story/pen...lio-2011-10-04
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Old Oct 4, 11, 3:20 pm
  #74  
 
Join Date: Jul 2006
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Originally Posted by Brian in MD View Post
Penfed announced today that they have eliminated the foreign transaction fee on all of their cards:

http://www.marketwatch.com/story/pen...lio-2011-10-04
PenFed Rewards Visa is coming out of the sock drawer and will be taking the place of my Capital One Card in my wallet.
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Old Oct 4, 11, 3:23 pm
  #75  
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Originally Posted by Brian in MD View Post
Penfed announced today that they have eliminated the foreign transaction fee on all of their cards:

http://www.marketwatch.com/story/pen...lio-2011-10-04
According to their site, none of their cards carry an annual fee either. Sounds like a solid deal. (They're AMex Premium Travel doesn't sound too shabby, unless I'm reading it wrong.)
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