When it comes to international travel, hidden fees can quickly sour the experience. Among these, foreign transaction fees often surprise unsuspecting travelers with added costs—typically ranging from 1% to 3% of each purchase. In 2025, choosing the right credit card is more than a financial decision—it's a matter of convenience, security, and savings. Fortunately, many U.S. credit cards have evolved to meet the needs of globetrotters, offering $0 foreign transaction fees, travel rewards, and global acceptance.
This comprehensive guide reveals the 10 best credit cards in the USA for international transactions, tailored for both frequent flyers and casual tourists. Each card featured here offers no foreign transaction fees, making them ideal companions for overseas spending.
Annual Fee: $95
Foreign Transaction Fees: $0
Best For: Travel rewards & flexibility
Why It Stands Out: With a generous sign-up bonus, 2x points on travel and dining, and access to the Chase Ultimate Rewards® portal, the Chase Sapphire Preferred® is a powerhouse for international travelers. It offers trip cancellation/interruption insurance, purchase protection, and primary rental car coverage.
Annual Fee: $95
Foreign Transaction Fees: $0
Best For: Flat-rate travel rewards
Why It Stands Out: Earning 2x miles on every purchase, this card is easy to manage and redeem. You can use your miles to erase travel purchases or transfer them to 15+ travel loyalty programs. The Capital One app and security features also make it user-friendly abroad.
Annual Fee: $250
Foreign Transaction Fees: $0
Best For: Foodies & international diners
Why It Stands Out: Earns 4x Membership Rewards® points at restaurants (worldwide) and U.S. supermarkets. While the annual fee is higher, the value you get—especially with airline fee credits and dining rewards—makes it worthwhile for frequent travelers who enjoy culinary experiences.
Annual Fee: $0