1.Scotiabank Passport Visa Infinite Card
Scotiabank
- 3%Scene+ points on select grocers
- 2%Scene+ points on groceries, dining, entertainment, and transit
Earn up to 60,000 bonus Scene+ points, including 40,000 points after spending CA$2,000 in the first 3 months and 10,000 points after CA$10,000 in spending within 6 months.
Earn 3 Scene+ points per $1 at select grocers, and 2 points per $1 on groceries, dining, entertainment, and transit.
The Scotiabank Passport Visa Infinite Card stands out as the top choice because it offers a robust rewards program tailored for travelers, featuring no foreign transaction fees and generous lounge access, making it ideal for frequent flyers.
Pros:
- No foreign transaction fees
- Comprehensive travel insurance
Cons:
- Requires high income for eligibility
- Annual fee applies
2.Scotiabank Gold American Express Card
Scotiabank
- 6%Scene+ points at Sobeys and Safeway
- 5%Scene+ points on groceries, dining, and entertainment
Earn up to 45,000 Scene+ points, including 25,000 points after spending CA$2,000 in the first 3 months and an additional 20,000 points upon spending CA$7,500 in the first year.
Earn 6 Scene+ points per $1 spent at Sobeys and Safeway, and 5 Scene+ points per $1 spent on groceries, dining, and entertainment.
What sets the Scotiabank Gold American Express Card apart is its exceptional earning potential on everyday spending categories, making it a top-tier choice for those who frequently shop for groceries and dine out.
Pros:
- High rewards on groceries and dining
- No foreign transaction fees
Cons:
- Annual fee applies
- Requires good credit for approval
3.Home Trust Preferred Visa Card
Home Trust
- 1%Cash back on eligible purchases
N/A
Earn 1% cash back on all eligible Canadian dollar purchases.
The Home Trust Preferred Visa Card shines for its simplicity and value, offering a straightforward cash back structure without the burden of annual fees, making it an excellent choice for budget-conscious consumers.
Pros:
- No annual fee
- 0% foreign transaction fees
Cons:
- No rewards on foreign currency transactions
- Limited perks compared to premium cards
4.Wealthsimple Visa Infinite Privilege Card
Wealthsimple
- 2%Cash back on all purchases
N/A
Earn 2% cash back on all purchases.
This card shines for its premium benefits and high cash back rate, making it a standout option for those who want to maximize their rewards while enjoying exclusive travel perks.
Pros:
- Unlimited cash back on all purchases
- No foreign transaction fees
Cons:
- High annual fee unless qualifying
- Limited availability due to waitlist
5.KOHO Extra Mastercard
KOHO
- 1.5%Cash back on groceries, transportation, and dining
- 0.25%Cash back on all other purchases
New users can receive a $20 cash bonus upon signing up.
Earn 1.5% cash back on groceries, transportation, and dining, plus 0.25% on other purchases.
The KOHO Extra Mastercard is ideal for those looking to budget effectively while earning significant cash back on everyday spending, making it a practical choice for savvy consumers.
Pros:
- High cash back on essentials
- No foreign transaction fees
Cons:
- Annual fee applies
- Prepaid card structure may limit some users
Final Words
When selecting a credit card with no foreign transaction fees, you should consider your travel habits and the benefits that matter most to you. Take time to compare the options available this March 2026 to ensure you make an informed decision that aligns with your financial goals and travel lifestyle.
Frequently Asked Questions
The Scotiabank Passport Visa Infinite Card offers no foreign transaction fees, 6 annual airport lounge passes, and the opportunity to earn up to 60,000 bonus Scene+ points, including 40,000 points after spending CA$2,000 in the first 3 months and 10,000 points after CA$10,000 in spending within 6 months.
The Scotiabank Gold American Express Card rewards users with up to 45,000 Scene+ points, including 25,000 points after spending CA$2,000 in the first 3 months and an additional 20,000 points upon spending CA$7,500 in the first year. It offers 6 Scene+ points per $1 spent at Sobeys and Safeway, and 5 points per $1 spent on groceries, dining, and entertainment.
The Home Trust Preferred Visa Card allows users to earn 1% cash back on all eligible Canadian dollar purchases. This card has no annual fee and is a straightforward option for those looking to earn cash back without complicated reward structures.
Some credit cards with no foreign transaction fees do charge annual fees, while others, like the Home Trust Preferred Visa Card, have no annual fee at all. It's essential to compare different cards to find one that aligns with your spending habits and offers the benefits you're looking for.
When selecting a credit card with no foreign transaction fees, consider factors such as annual fees, rewards structures, and any additional perks like travel insurance or airport lounge access. Assess your spending patterns to determine which rewards will benefit you the most.
To apply for a credit card in Canada, you'll typically need to provide personal information such as your income, employment details, and credit history. It's also beneficial to check your credit score beforehand as it can impact your eligibility and the terms you're offered.
Many travel credit cards, including those with no foreign transaction fees, require a minimum income level and a good credit score for approval. For example, the Scotiabank Passport Visa Infinite Card requires a personal income of CA$60,000 or a household income of CA$100,000.
