Travel Intent Page
Every card on this page charges no foreign transaction fee. That matters because a 3% surcharge on international purchases can cost more than the rewards you earn on a trip — quietly reversing the benefit of carrying a travel card at all.
Why It Matters
If you spend $2,000 on an international trip using a card with a 3% foreign transaction fee, you pay $60 in fees before earning a single reward. A typical 1.5% cash-back card would earn you $30 on that same spending — putting you $30 in the hole compared to using a card with no fee at all.
The good news is that no foreign transaction fee has become standard on travel cards at all fee tiers. Every card in the current travel category waives foreign transaction fees — the differences between them come down to annual fee, earning rate, and the protections they include.
All Cards, No Foreign Transaction Fee
These are listed in order from no annual fee to moderate annual fee. All waive foreign transaction fees entirely.
No Annual Fee
No annual fee, no foreign transaction fee, 1.5 points on every purchase. Rewards redeem as statement credits against travel purchases. The lowest-complexity option for international spending — nothing to optimize.
No Annual Fee, Broader Bonus Categories
No annual fee, no foreign transaction fee, and 3X points on travel, dining, gas, transit, streaming, and phone plans. Also includes auto rental collision damage waiver. Good if you want to earn meaningfully on international dining and transit without an annual cost.
No Annual Fee, Transferable Miles
No annual fee, no foreign transaction fee, and 1.25X miles on every purchase. Miles can transfer to 15+ airline and hotel loyalty programs — the same transfer partners as the paid Venture card. Good if you want no annual cost and the ability to transfer miles to an airline partner when it offers better value than a statement credit.
$95 Annual Fee, Simple Miles
$95 annual fee, no foreign transaction fee, and a flat 2X miles on every purchase worldwide. Miles redeem against any travel purchase as a statement credit at 1 cent each, or transfer to airline partners. Good if you want a simple structure and are willing to pay a modest fee.
$95 Annual Fee, Best Protections
$95 annual fee, no foreign transaction fee, and primary rental car coverage plus trip delay reimbursement. Earns 5X on travel through Chase Travel and 2X on other travel. If you want the strongest travel protections at the mid-fee tier, this is the top pick in the current dataset.
What To Look For Beyond the Fee
The no-fee cards earn 1.5X to 3X on select categories. The $95 cards earn at a flat 2X or higher on travel. If you charge $5,000 to $10,000 a year to a travel card, the difference in earning rate can easily justify the $95 fee — but run the math at your own spending level.
Statement-credit redemptions are the simplest: your points cover travel purchases charged to the card. Point transfers to airline partners can be worth more per point but require researching partner programs. If you want simplicity, prioritize statement-credit redemption at full value.
At the $95 tier, the Chase Sapphire Preferred brings primary rental car insurance — meaning it pays before your personal auto insurance — and trip delay coverage. These protections have real dollar value if you rent cars or experience delays. The no-fee cards in this set have more limited coverage.
Find Your Best Fit
The quiz on the travel card comparison page takes about a minute. It asks how often you travel, whether you prioritize zero fees, stronger rewards, or travel protections, and whether you travel internationally. It returns the card from the current dataset that matches your answers. No email required.