Best no-annual-fee credit cards for international travel

Oct 28, 2019

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Update: Some offers mentioned below are no longer available. View the current offers here.

Update: The Wells Fargo Propel American Express® card is no longer open to new applications. 

We are living in the golden age of travel-rewards credit cards. There are more great options than ever, ranging from the best cash-back credit cards with no annual fees to premium products packed with perks like airport lounge access and first-class companion tickets.

For international travelers there are credit cards that not only waive foreign transaction fees but also offer benefits like reimbursements for Global Entry and TSA PreCheck applications that make airport security and immigration processes faster and easier.

flight to Paris, travel by airplane to France

In addition, you don’t have to pay a hefty annual fee to carry a card that is useful for international travel. Here are the best credit cards currently available with no annual fees that still waive foreign transaction fees. They also include other travel-focused features, as well as great bonus-earning opportunities on everyday spending.

General travel cards: cash back and transferable points

Let’s start with credit cards that participate in either cash-back or transferable points programs. In alphabetical order:

Bank of America® Travel Rewards credit card

Welcome offer: 25,000 bonus points (worth $250 toward travel) after you make at least $1,000 in purchases in the first 90 days after your account opening

Reasons to get it: This solid earner rakes in 1.5x points on all purchases, with no caps. Points can be redeemed at a rate of one cent apiece toward travel purchases. Bank of America Preferred Rewards members can earn 25% to 75% more points on every purchase.

(Photo by Eric Helgas / The Points Guy.)

Capital One VentureOne Rewards Credit Card

Welcome offer: 20,000 bonus miles once you spend $500 on purchases within the first three months from account opening

Reasons to get it: Like its more premium counterpart, the Capital One Venture Rewards Credit Cardthis card earns miles that can be redeemed for cash back or transferred (with frequent bonuses) to various travel partner programs such as Air Canada Aeroplan and JetBlue TrueBlue. On the earning side, it racks up 1.25x miles on every purchase.

 

Uber Visa

Welcome offer: $100 cash back after spending $500 in purchases in the first 90 days

Reasons to get it: Nominally a credit card for frequent ride-sharers, this card offers a host of other perks aimed at all travelers. It earns 4x points per dollar on dining including UberEATS; 3x points on airfare, hotels and vacation home rentals; 2x on online purchases, which include Uber rides and streaming services; and 1x on everything else. Points can be redeemed for Uber credits, cash back and gift cards at one cent apiece. Cardholders who spend $5,000 or more each year also get a $50 annual credit toward digital subscriptions such as Netflix. It also comes with cellphone protection for damage or theft worth up to $600 if you use the card to pay your monthly bill.

(Photo by Eric Helgas/The Points Guy)
(Photo by Eric Helgas / The Points Guy.)

Wells Fargo Propel American Express® card

Welcome offer: N/A

Reasons to get it: This card is one of the most versatile cash-back earners, since it accrues 3x points on dining (both eating out and ordering in), at gas stations, on ride-shares, transit, flights, hotels, homestays, car rentals and popular streaming services. It earns 1x on everything else. Points can then be redeemed for cash back at a rate of one cent apiece toward travel purchases, statement credits, gift cards and donations to charities. It also offers excellent cellphone protection, which usually only comes with more expensive cards. It’ll cover you up to $600 per incident in case your phone is damaged or stolen (subject to a $25 deductible). Finally, the card comes with robust travel protections, including travel accident insurance, damaged/lost baggage insurance and emergency assistance.

Airline credit cards

There are still only a handful of airline credit cards without an annual fee, and only two waive pesky foreign exchange fees. Hopefully this will change as more adopt this perk to compete with more premium counterparts.

JetBlue Card

Welcome offer: 10,000 bonus points after you spend $1,000 on purchases in the first 90 days

Reasons to get it: A card with no annual fee, this one still offers many of the same perks as the more upscale JetBlue Plus Card, which costs $99 per year. It earns 3x points per dollar on JetBlue purchases, 2x at restaurants and grocery stores and 1x on everything else. Cardholders can enjoy savings of 50% on eligible inflight purchases such as food and cocktails. It is currently offering 0% intro APR for 12 months on balance transfers made within 45 days of account opening. JetBlue does not have the most extensive international route network, but it does fly to cities like Cartagena (CTG) in Colombia, Liberia (LIR) in Costa Rica and Guayaquil (GYE) in Ecuador. You can also redeem JetBlue TrueBlue points on Hawaiian Airlines flights, which include international destinations such as Australia and Japan.

United TravelBank Card

Welcome offer: Earn $150 in United TravelBank cash after you spend $1,000 on purchases in the first three months from account opening.

Reasons to get it: United introduced this card in 2017 as a unique alternative to more traditional airline cards like its own United Explorer Card. Instead of MileagePlus miles, it earns 2% TravelBank cash per dollar spent on tickets purchased from United and 1.5% on all other purchases. One TravelBank dollar can be redeemed for one dollar toward the purchase of a ticket on flights operated by United. The card also confers a 25% refund on purchases of food, beverages and Wi-Fi on board United-operated flights. It doesn’t provide the highest return on spending, but if you prefer earning cash back specifically for United tickets to the airline’s 100+ international destinations rather than trying to redeem award miles, this might be an interesting option for you.

The information for the United TravelBank card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Hotel credit cards

Several hotel loyalty programs offer excellent cobranded cards without annual or foreign transaction fees.

Best Western Rewards Mastercard – First Bank

Welcome offer: Up to 32,000 points — 16,000 upon first purchase and another 16,000 on your first stay

Reasons to get it: Earn 3x bonus points per dollar on Best Western purchases and 2x points on everything else. Cardholders also enjoy automatic Gold elite status and a 10% discount when selecting the Best Western Rewards rate on bookings made through bwrcarddiscount.com. They can also monitor their FICO score for free.

Hilton Honors American Express Card

Welcome offer: Earn 80,000 Hilton Honors bonus points after you spend $1,000 in purchases on the card in the first three months of card membership. Plus, you can earn an additional 50,000 Hilton Honors bonus points after you spend a total of $5,000 in purchases on the card in the first six months.

Reasons to get it: Although the higher-end Hilton cards such as the Hilton Honors American Express Aspire Card and the Hilton Honors American Express Surpass® Card tend to get more attention, there are plenty of reasons to consider this no-annual-fee Hilton Honors American Express Card (see rates & fees). It offers a sizeable welcome bonus and earns 7x points on eligible Hilton purchases; 5x points at U.S. restaurants, U.S. supermarkets and U.S. gas stations; and 3x points on all other eligible purchases. Cardholders also receive automatic Hilton Honors Silver status and can spend their way to Gold by making $20,000 in eligible purchases in a calendar year.

The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Marriott Bonvoy Bold Credit Card

Welcome offer: Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.

Reasons to get it: Marriott introduced this no-annual-fee card in June 2019 as an alternative to more expensive options like the Marriott Bonvoy Boundless Credit Card and the Marriott Bonvoy Brilliant™ American Express® Card. It earns 3x points on eligible Marriott purchases, 2x points on other travel purchases including airfare, taxis and trains, then 1x on everything else, which makes it a solid earner. Cardholders receive automatic Silver status and 15 nights of elite credit each year. Its travel protections are also pretty comprehensive for a no-annual-fee card, and include trip-delay reimbursement, baggage-delay insurance and lost-luggage reimbursement.

(Photo by Isabelle Raphael / The Points Guy)
(Photo by Isabelle Raphael / The Points Guy.)

Wyndham Rewards Visa Signature – No Annual Fee

Welcome offer: 15,000 bonus points after your first purchase – enough for up to two free nights

Earning: This card earns 3x points at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties; 2x points on gas, utility and grocery store purchases (excluding Target and Walmart); and 1x everywhere else. Cardholders can redeem their points at more than 8,000 properties within the chain’s 20 brands in more than 80 countries. The card also confers automatic Wyndham Gold status. It is currently offering a 0% introductory APR for 15 months on balance transfers (then a variable APR of 17.99% to 26.74% applies).

Bottom line

If you like to travel, but don’t want to pay an annual fee for a credit card, you have options. The welcome bonuses can be quite generous and there are surprisingly robust travel perks with some of these cards. Plus none of them charge foreign exchange fees, which can add up if you travel regularly outside of the country.

Despite some limits, these cards offer solid ways to earn rewards.

Featured image via Getty Images.

For rates and fees of the Hilton Honors Amex card, click here.

Delta SkyMiles® Platinum American Express Card

Earn 90,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in the first three months of card membership. Offer ends 11/10/2021.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

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More Things to Know
  • Limited Time Offer: Earn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
15.74%-24.74% Variable
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.