Chase credit card without foreign transaction fee

The American Express® Gold Card doesn’t have the same built-in travel and purchase protections as the Chase Sapphire Reserve, but it’s still a solid option for anyone who travels and dines out frequently. Note that Amex isn’t as widely accepted as Visa and Mastercard, so it’s good to also have a backup option in your wallet just in case.

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 3.8 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• 1.5% Earn unlimited 1.5% cash back on every purchase, every day

Intro offer

$200

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Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

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Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Annual fee

$0

Regular APR

17.99% - 27.99% (Variable)

Recommended credit

Good to Excellent (670 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day

• Bankrate's ViewCaret Down

  One of a handful of cash back credit cards that skip foreign transaction fees, this popular Capital One card combines consumer-friendly terms with a decent rewards program. We particularly like it for first-time rewards credit cardholders.

  Read our full Capital One Quicksilver Cash Rewards Credit Card review.

  Pros

  • There’s no minimum requirements for redeeming cash back.
  • You can redeem rewards for previous purchases.

  Cons

  • You could earn more rewards with other flat-rate or bonus category cash back cards.
  • The 17.99 percent to 27.99 percent ongoing variable APR is higher when compared to competitor cards.

• Card detailsCaret Down
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 17.99%-27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

  Additional features

  Purchase intro APR

  0% intro on purchases for 15 months

  Balance transfer intro APR

  0% intro on balance transfers for 15 months

Best for no annual fee

Bank of America® Travel Rewards credit card

Apply Now Lock

On Bank of America's secure site

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Best for no annual fee

Bank of America® Travel Rewards credit card

Apply Now Lock

On Bank of America's secure site

Add to compare

Rating: 4.1 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.1 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 1.5X 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.

Intro offer

25,000 points

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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.

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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.

Annual fee

$0

Regular APR

See Terms

Recommended credit

Good to Excellent (670 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 1.5X 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.

• Bankrate's ViewCaret Down

  With no annual fee, no foreign transaction fees and a generous rewards program, the Bank of America Travel Rewards credit card is a safe bet for low cost of ownership and high levels of travel rewards, particularly if you’re a Bank of America customer.

  Read our full Bank of America Travel Rewards credit card review.

  Pros

  • Bank of America Preferred Rewards members can improve on their rewards rate with a bonus of 25 percent to 75 percent depending on their membership tier.
  • You can redeem your points for any travel purchase.

  Cons

  • You need a minimum of 2,500 points to start redeeming your rewards.
  • There are no bonus categories to further maximize rewards.

• Card detailsCaret Down
  • 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 travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

  Additional features

  Purchase intro APR

  See Terms

  Balance transfer intro APR

  See Terms

Best for redemption flexibility

Chase Sapphire Preferred® Card

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On Chase's secure site

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Best for redemption flexibility

Chase Sapphire Preferred® Card

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On Chase's secure site

Add to compare

Rating: 5 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 5 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5x 5x on travel purchased through Chase Ultimate Rewards®
• 3x 3x on dining.
• 2x 2x on all other travel purchases, plus more.

Intro offer

60,000 points

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Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

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Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

Annual fee

$95

Regular APR

19.74% - 26.74% Variable

Recommended credit

Good to Excellent (670 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5x 5x on travel purchased through Chase Ultimate Rewards®
  • 3x 3x on dining.
  • 2x 2x on all other travel purchases, plus more.

• Bankrate's ViewCaret Down

  This popular travel credit card operates on all cylinders, touting an excellent rewards rate on travel and dining, a lucrative sign-up bonus, robust ancillary perks (like trip cancellation insurance), and, yes, no foreign transaction fees.

  Read our full Chase Sapphire Preferred Card review.

  Pros

  • This card typically has a great sign-up bonus offer.
  • Points are worth 25 percent more when you redeem for travel through Chase Ultimate Rewards.

  Cons

  • The $95 annual fee, though relatively low for the category, might price this card out of some travelers’ budgets.
  • There’s a steep spending requirement associated with the card’s sign-up bonus.

• Card detailsCaret Down
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

Best for foreign travel beginners

Capital One VentureOne Rewards Credit Card

Apply Now Lock

On Capital One's secure site

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Best for foreign travel beginners

Capital One VentureOne Rewards Credit Card

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On Capital One's secure site

Add to compare

Rating: 4.5 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.5 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• 1.25X Earn unlimited 1.25X miles on every purchase, every day.

Intro offer

20,000 miles

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Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

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Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Annual fee

$0

Regular APR

17.99% - 27.99% (Variable)

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • 1.25X Earn unlimited 1.25X miles on every purchase, every day.

• Bankrate's ViewCaret Down

  Truly a travel card for the fee-averse, this alternative to Capital One’s flagship Venture Rewards Credit Card offers lower rewards in exchange for a $0 annual fee. It maintains other consumer-friendly features, including no foreign transaction fees and flexible redemption options.

  Read our full Capital One VentureOne Rewards Credit Card review.

  Pros

  • There’s a low spending requirement associated with the card’s current welcome offer.
  • You could potentially increase the value of your miles by transferring them to Capital One’s travel partners.

  Cons

  • Depending on your spending habits, you could earn more with the traditional Venture card, even after paying its annual fee.
  • Capital One’s transfer partners currently do not include a major U.S. airline.

• Card detailsCaret Down
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 17.99% - 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

  Additional features

  Purchase intro APR

  0% intro on purchases for 15 months

  Balance transfer intro APR

  0% intro on balance transfers for 15 months

Best for travel rewards

Capital One Venture Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Best for travel rewards

Capital One Venture Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Rating: 4.9 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.9 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• 2X Earn unlimited 2X miles on every purchase, every day.

Intro offer

75,000 miles

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New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

Info

New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

Annual fee

$95

Regular APR

18.99% - 26.99% (Variable)

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • 2X Earn unlimited 2X miles on every purchase, every day.

• Bankrate's ViewCaret Down

  No foreign transaction fees are one standout feature of this overall stellar travel credit card, which also features a generous 2X miles on purchases, a lucrative welcome offer and an up to $100 credit for Global Entry or TSA PreCheck application fee.

  Read our full Capital One Venture Rewards Credit Card review.

  Pros

  • You have a number of flexible redemption options, not limited to travel.
  • You could potentially increase the value of your miles by transferring them to select Capital One travel partners.

  Cons

  • There’s a steep spending requirement to achieve this card’s current sign-up bonus.
  • The $95 annual fee could price this card out of some people’s budget.

• Card detailsCaret Down
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

Best for customer service

Discover it® Cash Back

Apply Now Lock

On Discover's secure site

Add to compare

Best for customer service

Discover it® Cash Back

Apply Now Lock

On Discover's secure site

Add to compare

Rating: 4.4 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees

Rating: 4.4 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5% Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.
• 1% Plus, earn unlimited 1% cash back on all other purchases – automatically.

Intro offer

Cashback Match™

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Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.

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Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Annual fee

$0

Regular APR

15.74% - 26.74% Variable APR *Rates as of December 15, 2022

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5% Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.
  • 1% Plus, earn unlimited 1% cash back on all other purchases – automatically.

• Bankrate's ViewCaret Down

  This classic card from Discover pairs forgiving terms (like no penalty APR for missed payments) with a generous rotating category cash back rewards program, making it a rare cash back credit card that skips foreign transaction fees. Its first-year Cashback Match™ sweetens the deal.
  
  

  Read our full Discover it Cash Back card review.

  Pros

  • There’s no annual fee and Discover will waive your first late fee (up to $41 after that; missed payments will affect your credit.)
  • Rotating bonus categories tend to include everyday expenses like gas stations and grocery stores.

  Cons

  • The card’s value goes down after the first year when the cash back match is no longer on the table.
  • Maximizing rewards takes some legwork; you have to enroll in bonus categories each quarter to earn the extra cash back.

• Card detailsCaret Down
  • Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness. Rates as of December 15, 2022.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

  Additional features

  Purchase intro APR

  0% for 15 months

  Balance transfer intro APR

  0% for 15 months

Best student cash back card

Discover it® Student Cash Back

Apply Now Lock

On Discover's secure site

Add to compare

Best student cash back card

Discover it® Student Cash Back

Apply Now Lock

On Discover's secure site

Add to compare

Rating: 4.3 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees

Rating: 4.3 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5% Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.
• 1% Plus, earn unlimited 1% cash back on all other purchases - automatically.

Intro offer

Cashback Match™

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Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Info

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Annual fee

$0

Regular APR

16.74% - 25.74% Variable APR *Rates as of December 15, 2022

Recommended credit

No Credit History

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5% Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.
  • 1% Plus, earn unlimited 1% cash back on all other purchases - automatically.

• Bankrate's ViewCaret Down

  A top choice for students (particularly if you’re studying abroad, given the lack of foreign transaction fees), the Discover it Student Cash Back touts an uber-generous rewards program and consumer-friendly terms, including no annual fee. Consider applying if you don’t mind managing rotating cash back bonus categories.

  Read our full Discover it Student Cash Back review.

  Pros

  • It's a lucrative rewards credit cards available to students.
  • This card carries no annual fee, perfect for first-time cardholders.

  Cons

  • Rotating cash back categories might be confusing to credit card newbies.
  • The opportunity to earn rewards could prove distracting to undisciplined spenders.

• Card detailsCaret Down
  • Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • No credit score required to apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.74% - 25.74% applies. Rates as of December 15, 2022.
  • Click "Apply Now" to see terms and conditions.

  Additional features

  Purchase intro APR

  0% for 6 months

  Balance transfer intro APR

  10.99% for 6 months

Best for luxury card perks

Chase Sapphire Reserve®

Apply Now Lock

On Chase's secure site

Add to compare

Best for luxury card perks

Chase Sapphire Reserve®

Apply Now Lock

On Chase's secure site

Add to compare

Rating: 5 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 5 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
• 5x Earn 5x total points on flights through Chase Ultimate Rewards®.
• 3x Earn 3x points on other travel and dining.
• 1x Earn 1 point per $1 spent on all other purchases

Intro offer

60,000 points

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Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

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Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

Annual fee

$550

Regular APR

20.74% - 27.74% Variable

Recommended credit

Excellent (740 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
  • 5x Earn 5x total points on flights through Chase Ultimate Rewards®.
  • 3x Earn 3x points on other travel and dining.
  • 1x Earn 1 point per $1 spent on all other purchases

• Bankrate's ViewCaret Down

  This popular luxury travel credit card from Chase comes fully loaded, featuring generous base rewards, a sweet sign-up bonus, ancillary perks (including airport lounge access and certain travel protections) and a high-value travel credit that’ll go a long way toward recouping the steep $550 annual fee.

  Read our full Chase Sapphire Reserve review.

  Pros

  • The annual travel credit is one of the easiest credits on the market to redeem.
  • You’ll get a 50 percent boost when you redeem points for travel through Chase Ultimate Reward.

  Cons

  • The steep annual fee will price this card out of a budget traveler’s budget.
  • The card’s lounge access pales a bit in comparison to comparable luxury credit cards.

• Card detailsCaret Down
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

Best for international dining

American Express® Gold Card

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On American Express's secure site

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Best for international dining

American Express® Gold Card

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On American Express's secure site

Add to compare

Rating: 5 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees , Terms Apply

Rating: 5 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See if you're pre‐approved for this card with CardMatch™

See if you're pre‐approved for this card with CardMatch™

Rewards Rate

• 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
• 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro offer

60,000 points

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Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

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Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Annual fee

$250

Regular APR

20.24%-27.24% Variable

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
  • 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

• Bankrate's ViewCaret Down

  International travelers who always remember to pack their appetites will find the American Express Gold Card a rich source of travel rewards, without swallowing foreign transaction fees. The generous rewards and annual credits should go a long way toward offsetting the card's $250 annual fee.

  Read our full American Express Gold Card review.

  Pros

  • This card offers best-in-class base rewards on food purchases.
  • Features travel and shopping protections, including trip delay insurance, baggage insurance and extended warranty coverage.

  Cons

  • Earning the full value of some of this card’s credits requires careful attention to the terms and conditions.
  • The steep annual fee will price this card out of many non-frequent flyers’ budgets.

• Card detailsCaret Down
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

BEST FOR PREMIUM TRAVEL BENEFITS

Capital One Venture X Rewards Credit Card

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On Capital One's secure site

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BEST FOR PREMIUM TRAVEL BENEFITS

Capital One Venture X Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Rating: 5 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 5 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
• 5X 5X miles on flights booked through Capital One Travel.
• 2X Earn unlimited 2X miles on all other purchases

Intro offer

75,000 miles

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Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

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Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual fee

$395

Regular APR

19.99% - 26.99% (Variable)

Recommended credit

Excellent (740 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
  • 5X 5X miles on flights booked through Capital One Travel.
  • 2X Earn unlimited 2X miles on all other purchases

• Bankrate's ViewCaret Down

  If you’re looking for some middle ground in the realm of luxury travel cards, this one has a lot to offer. With a $395 annual fee (about half of the $600+ annual fees on other luxury travel cards), you still get some of the best travel protections, lounge access opportunities and annual statement credits. Bonus: the statement credits you earn will put a nice dent in the annual fee. 

  Pros

  • You’ll get up to $300 in annual statement credits for Capital One Travel purchases.
  • Enjoy complimentary Priority Pass Select membership to over 1,300 lounges worldwide.

  Cons

  • There is a $395 annual fee to carry this card.
  • There are no intro APR offers on purchases or balance transfers.

• Card detailsCaret Down
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

Best for first-year miles bonus

Discover it® Miles

Apply Now Lock

On Discover's secure site

Add to compare

Best for first-year miles bonus

Discover it® Miles

Apply Now Lock

On Discover's secure site

Add to compare

Rating: 3.9 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees

Rating: 3.9 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 1.5X Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.

Intro offer

Discover Match®

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Unlimited Bonus: Only Discover gives you an unlimited match of all the Miles you've earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There's no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Info

Unlimited Bonus: Only Discover gives you an unlimited match of all the Miles you've earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There's no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Annual fee

$0

Regular APR

15.74% - 26.74% Variable APR *Rates as of December 15, 2022

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 1.5X Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.

• Bankrate's ViewCaret Down

  This budget-friendly travel credit card sweetens a decent return on purchases with a generous first-year welcome offer and consumer-friendly terms, like no annual fee and no foreign transaction fees. Sometimes-travelers should consider applying.

  Which Chase cards have no international transaction fees?

  The New Business Card! Ink Business Premier℠ Credit Card and the Ink Business Preferred^® Credit Card are the two credit cards with no foreign transaction fees in the Chase Ink Business lineup. That means transactions made with this card both in the U.S and internationally won't incur any additional costs.

  Does Chase waive foreign transaction fees?

  The Chase Freedom foreign transaction fee is 3%. This fee will get added as a surcharge to any Chase Freedom transaction processed abroad or through an international online merchant.

  Does Chase charge foreign transaction fees?

  Fees. There is no annual fee with the Chase Freedom Unlimited®, but there is a 3% fee charged on foreign transactions. (Check out Select's best credit cards with no foreign transaction fees.)

  Does Chase Sapphire Preferred have no foreign transaction fees?

  The Chase Sapphire Preferred Card has a $95 annual fee. Cardholders pay no foreign transaction fee, but there is a balance transfer fee of either $5 or 5% of the amount of the transfer, whichever is greater.