What card can I use abroad without charges?

NerdWallet's Best No Foreign Transaction Fee Credit Cards of November 2023
  • Capital One SavorOne Cash Rewards Credit Card: Best for Bonus category cash back.
  • Wells Fargo Autograph? Card: Best for Bonus rewards + no annual fee.
  • Chase Sapphire Preferred® Card: Best for Bonus travel rewards.




In 2026, the best cards for international travel without "Foreign Transaction Fees" or ATM charges are primarily from digital-first "challenger" banks and specific travel-focused credit cards. For UK travelers, Monzo, Starling Bank, and Chase UK are the gold standards, offering the "interbank" exchange rate with zero fees on spending and generous free monthly ATM withdrawal limits. For US travelers, the Charles Schwab High Yield Investor Checking debit card is legendary because it offers unlimited ATM fee rebates worldwide. If you prefer credit cards, the Chase Sapphire Preferred/Reserve and Capital One Venture series are excellent options that charge no foreign transaction fees and offer robust travel insurance. When using these cards, always remember to choose "Pay in Local Currency" (e.g., Euros in Spain) if the card terminal asks, to avoid "Dynamic Currency Conversion" (DCC) fees, which are hidden markups often ranging from 3% to 7% that can negate the benefits of your fee-free card.

People Also Ask

We don't charge any foreign transaction fees when you use your card, so you will be charged according to Mastercard's exact exchange rate. You also don't need to give us any kind of advance notice before your trip, your card should just continue to work as you travel ??? All you have to do is have a great trip!

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Research shows that in most cases you can save by opting to spend in the local currency. For example, that would mean choosing euros in Spain or dollars in the US. When you choose to pay in the currency of the region or country you're visiting, Visa or Mastercard will set the exchange rate.

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There are two types of debit card fees you may face abroad: Foreign transaction fee: Sometimes called a currency conversion fee, this applies for foreign transactions made with a debit card. It usually ranges from 1% to 3% of the purchase amount. Foreign transaction fees for credit cards work similarly.

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Plus, the main purpose of a secured credit card is to help you build credit — not to spend money that exceeds your credit limit. That said, prepaid travel cards are worth it if you're looking to manage your money safely and avoid overspending.

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