Credit Cards with No Foreign Transaction Fees (UK & US 2025 Guide)

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Introduction

Travelling abroad in 2025? Whether you're a frequent flyer, a digital nomad, or planning a holiday, choosing the right credit card with no foreign transaction fees can save you a lot of money.

Foreign transaction fees typically range from 2.5% to 3% on every overseas purchase. In this guide, we break down the best no-foreign-fee credit cards available in the UK and US — perfect for both first-timers and savvy travelers.

What Are Foreign Transaction Fees?

Foreign transaction fees are extra charges added when you make a purchase in a non-local currency. These can quietly increase your travel costs.

Common scenarios:

Booking flights or hotels in another country

Using your card while shopping abroad

Paying for international services online


Top UK Credit Cards with No Foreign Transaction Fees (2025)


1. Barclaycard Rewards Credit Card

No foreign transaction fees

0.25% cashback on all spend

No annual fee

Good for credit builders too

Best for: Everyday international spending


2. Halifax Clarity Credit Card

No fees abroad on purchases and cash withdrawals

Interest-free period if paid in full

Easy to manage with mobile app

Best for: Travel-savvy users who repay monthly


3. Chase UK Debit + Credit Options

Offers 0% FX fees

Competitive rewards program

Ideal for students and digital nomads

Best for: Daily use, travel, and flexible spending


Person using a contactless credit card while traveling abroad in Europe, 2025" Title for Image: "No Foreign Fee Credit Cards - Travel Smart in 2025

Top US Credit Cards with No Foreign Transaction Fees (2025)


1. Capital One VentureOne Rewards Credit Card

No foreign transaction fees

1.25 miles per dollar spent

No annual fee

Best for: Budget-conscious travelers


2. Chase Sapphire Preferred® Card

2X points on travel & dining

No foreign transaction fees

Valuable welcome bonus (up to $750 travel)

 Best for: Frequent travelers, dining lovers


3. Discover it® Miles

No foreign transaction fees

1.5x miles on all purchases

Cashback match in the first year

Best for: Beginners & cashback seekers


Tips to Use Credit Cards Abroad Safely


Always pay in local currency to avoid Dynamic Currency Conversion (DCC)

Enable travel alerts in your bank app

Avoid withdrawing cash unless needed (some cards charge interest immediately)

Use mobile wallets like Apple Pay or Google Pay for added security


Who Should Get a No Foreign Fee Card?


This type of card is ideal for:

Students studying abroad Remote workers or freelancers Holiday travelers

People who buy from international websites (Amazon, AliExpress, etc.)


Final Thoughts

Choosing the right travel credit card in 2025 can save you hundreds annually. Whether you're in the UK or US, there are powerful no-foreign-fee options that offer rewards, cashback, and peace of mind.


Before applying, check your credit score, eligibility, and always read the fine print.

 

Top 5 Best Credit Cards for Beginners in the UK (2025)

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