1.Wells Fargo Autograph® Card
Wells Fargo
- 3%Points on dining, travel, gas, transit, popular streaming services, and phone plans
- 1%Points on other purchases
Earn 20,000 bonus points after spending $1,000 in purchases within the first 3 months of account opening.
Earn unlimited 3X points on dining, travel, gas, transit, popular streaming services, and phone plans, with 1X points on other purchases.
18.49%-28.49% Variable APR
The Wells Fargo Autograph® Card stands out as the top choice because it offers unlimited 3X points on a variety of popular spending categories, making it a versatile option for everyday use without an annual fee.
Pros:
- No annual fee
- High rewards rate on multiple spending categories
Cons:
- Limited redemption options
- Points are worth 1 cent each
2.Bank of America® Travel Rewards credit card
Bank of America
- 3%Points on travel booked through their portal
- 1.5%Points on all other purchases
Earn 25,000 online bonus points after making at least $1,000 in purchases within the first 90 days of account opening.
Earn unlimited 1.5 points per dollar on all purchases, boosting to 3x on travel booked through their portal.
17.49%-27.49% Variable APR
What sets the Bank of America® Travel Rewards credit card apart is its straightforward rewards structure, allowing cardholders to earn unlimited points on every purchase, making it an excellent choice for those who travel frequently.
Pros:
- No annual fee
- Flexible rewards structure
Cons:
- Lower rewards rate on non-travel purchases
- Limited bonus categories
3.Capital One VentureOne Rewards Credit Card
Capital One
- 5%Miles on hotels/rental cars booked via Capital One Travel
- 2%Miles on all other purchases
Earn 20,000 bonus miles once you spend $500 in the first 3 months.
Earn 2 miles per dollar on all purchases and 5 miles per dollar on hotels/rental cars booked via Capital One Travel.
18.49%-28.49% Variable APR
The Capital One VentureOne Rewards Credit Card shines for its straightforward earning structure, allowing users to accumulate miles effortlessly on all purchases, making it ideal for those who prefer simplicity in their rewards.
Pros:
- No annual fee
- Flexible redemption options
Cons:
- Lower earning rate on everyday purchases
- Limited bonus categories
4.Capital One Savor Cash Rewards Credit Card
Capital One
- 8%Cash back on Capital One Entertainment tickets
- 5%Cash back on hotels/rental cars booked via Capital One Travel
- 3%Cash back on dining, entertainment, streaming, and grocery stores
- 1%Cash back on all other purchases
Earn a $200 cash bonus after you spend $500 on purchases within the first 3 months.
Earn unlimited 3% cash back on dining, entertainment, streaming, and groceries, plus 5% on hotels/rental cars via Capital One Travel.
18.49%-28.49% Variable APR
The Capital One Savor Cash Rewards Credit Card is the best option for those who frequently dine out and enjoy entertainment, offering exceptional cash back rates that maximize rewards on everyday spending.
Pros:
- High rewards on dining and entertainment
- No annual fee
Cons:
- Limited to specific categories for higher rewards
- Variable APR can be high
- 5%Points on travel purchased through Chase
- 3%Points on dining and select streaming services
- 2%Points on other travel
Earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months.
Earn 5x points on travel purchased through Chase, 3x on dining, select streaming services, and online groceries, plus 2x on other travel.
19.24%-27.49% Variable APR
The Chase Sapphire Preferred® Card earns its top spot due to its robust rewards structure and valuable benefits, making it an excellent choice for travelers looking to maximize their points through various categories.
Pros:
- Strong travel rewards
- Flexible point transfers to travel partners
Cons:
- Annual fee applies
- High spending requirement for bonus
Final Words
As you evaluate your options for credit cards with no foreign transaction fees this February 2026, remember that choosing a card that aligns with your spending habits can maximize your rewards. Take time to compare features and benefits to make an informed decision that best suits your travel and financial needs.
Frequently Asked Questions
The Wells Fargo Autograph® Card offers a welcome bonus of Earn 20,000 bonus points after spending $1,000 in purchases within the first 3 months of account opening. You'll earn unlimited 3X points on dining, travel, gas, transit, popular streaming services, and phone plans, with 1X points on other purchases.
With the Bank of America® Travel Rewards credit card, you can earn a welcome bonus of Earn 25,000 online bonus points after making at least $1,000 in purchases within the first 90 days of account opening. It offers unlimited 1.5 points per dollar on all purchases, with 3% points on travel booked through their portal.
The Capital One VentureOne Rewards Credit Card provides a welcome bonus of Earn 20,000 bonus miles once you spend $500 in the first 3 months. You earn 2 miles per dollar on all purchases and 5 miles per dollar on hotels/rental cars booked via Capital One Travel.
When choosing a credit card with no foreign transaction fees, consider the rewards structure, annual fees, and any additional benefits like travel insurance or purchase protection. Also, check if the card offers a competitive welcome bonus that aligns with your spending habits.
Yes, many credit cards offer both no foreign transaction fees and no annual fee, making them great options for travelers. Cards like the Wells Fargo Autograph® Card and the Bank of America® Travel Rewards credit card fall into this category, providing valuable rewards without extra costs.
Applying for a credit card with no foreign transaction fees is typically straightforward. You can apply online by filling out the necessary information such as income, credit history, and desired card features, and you will usually receive a decision quickly.
The average APR for credit cards with no foreign transaction fees can vary widely, typically ranging from 17% to 28%. It's essential to compare the APRs of different cards and consider how it may affect you based on your expected balance and payment habits.
