10 Best Banks With No Foreign Transaction Fees

Additionally, Chime offers a unique feature called SpotMe^®5, which provides fee-free overdrafts up to $200. Eligibility requirements apply.

Chime also offers easy access to cash through its network of more than 60,000 fee-free ATMs¹ located at popular stores such as Walgreens, CVS, 7-Eleven, Target, and Circle K.

Plus, if you set up direct deposit with Chime, you can receive your paycheck up to 2 days earlier² than you would with traditional banks.

Chime doesn’t require a credit check or use ChexSystems, so you can open an account without worrying about your credit or banking history.

This is an ideal choice for frequent travelers, as it features a debit card free of foreign transaction fees and unlimited worldwide ATM fee rebates.

Additionally, the account offers an APY of 0.45% with no monthly fee or minimum balance requirement. The full-featured mobile app makes it easy to deposit and transfer funds, and you can even add the debit card to your mobile wallet for a secure and convenient payment option.

For those who need a credit card without foreign transaction fees, the American Express Platinum Card for Schwab is an ideal choice.

Despite its steep annual fee of $695, it offers an unlimited 1.5% cash back, statement credits on hotel and airline bookings, digital entertainment credits, and more. Plus, with travel notices, you can rest assured that your finances are secure while you’re away.

With no monthly maintenance fees, no overdraft fees, and no foreign transaction fees, you can be confident that you won’t be charged extra just to manage your funds.
On top of that, you’ll have access to over 70,000 fee-free ATMs throughout the United States, so getting cash when you need it is never an issue.

Additionally, you can even add cash to your 360 Checking account at any CVS location. And with early direct deposit, you can get your money up to 2 days earlier than payday.

Capital One also offers some great credit cards which we will explore below.

Plus, it offers access to over 55,000 fee-free Allpoint ATMs located at popular stores like Target, CVS, and Safeway, so you can get cash when you need it.

With Varo cards, you can even earn up to 6% cashback on select purchases to help you save, which is automatically transferred to your Varo Bank Account once you reach $5.

What’s more, direct deposit allows you to receive your paycheck up to 2 days earlier than with traditional banks. Varo Advance is another great advantage for those who need a quick loan – you can borrow up to $250 (starting at $20) with qualifying conditions.

Finally, Varo offers high APY rates on its savings account, with the potential to earn up to 5.00% APY – that’s more than 15 times the national average!

Additionally, the HSBC Premier Debit World Mastercard card provides up to five rebates per month when withdrawing from non-HSBC ATMs in the U.S.

Although this premium checking account has a monthly fee of $50, this fee can be waived when you meet the qualifying criteria.

HSBC also offers a selection of credit cards with no foreign transaction fees, including the HSBC Premier Credit Card, which also has no annual fee.

Another great perk of being an HSBC Premier account holder is priority service and emergency financial support at HSBC locations across the street or around the globe.

Other benefits that come with this card include cash back offers, TSA precheck credit, complimentary Wi-Fi at select locations, and many more.

These cards offer an array of advantageous features, from no foreign transaction fees to a generous sign-up bonus of 60,000 points.

Chase Ultimate Reward points are highly esteemed for their immense worth. They can be used to purchase free flights, hotels, rental cars, cashback, and a plethora of other items.

Redeeming these points is an incredibly rewarding experience that allows one to gain access to a world of luxuries and possibilities.

Plus, there are plenty of additional benefits, such as rental car insurance, trip cancellation and delay insurance, baggage delay reimbursement, lost luggage reimbursement, travel accident insurance, and purchase protection.

To top it off, you can even get a credit for the TSA PreCheck or Global Entry application fee.

With annual fees of $95 for the Preferred and $550 for the Reserve, these cards are an ideal option for the frequent traveler looking to maximize their rewards.

New cardholders can earn 40,000 bonus miles after spending $1,000 on purchases within the first 3 months of account opening.

You earn 1.25 miles for every dollar spent, and eligible purchases made through Capital One Travel will earn you five miles.

The card offers easy redemption options, with miles redeemable for travel through Capital One Travel or as a statement credit towards past travel purchases made elsewhere. Plus, rewards don’t expire for the life of the account.

With no foreign transaction fees, you can take your rewards on the go wherever your adventures take you. Earn 5% cash back at different places each quarter, like Amazon.com, grocery stores, restaurants, and gas stations, and an unlimited 1% cash back on all other purchases – with no need to activate offers.

Plus, Discover will match all the cash back you’ve earned at the end of your first year, so you can enjoy even more rewards. Redeem your cash back rewards any time, in any amount, with no expiration.

The Platinum Card from American Express offers 80,000 Membership Rewards points after spending $6,000 in the first 6 months.

You also get a $200 back in statement credits each year on Fine Hotels + Resorts or The Hotel Collection bookings, a $240 digital entertainment credit, $155 Walmart+ credit, $200 airline fee credit, and $200 Uber Cash. However, the card comes with a high annual fee of $695.

The American Express Gold Card, on the other hand, offers 60,000 Membership Rewards points after spending $4,000 in the first 6 months.

Additionally, you’ll get 4X points at restaurants, 3X points on flights booked directly with airlines or on amextravel.com, $120 Uber Cash, and $120 dining credit.

The annual fee for this card is $250. Both cards do not charge foreign transaction fees and require good to excellent credit for approval.

A popular pick is the Bank of America Travel Rewards card, which is distinguished by its no foreign transaction fees. With this card, users gain 1.5 points for every dollar spent on all purchases, wherever, whenever.

Furthermore, the card provides a generous sign-up bonus of 25,000 points, a 0% introductory APR, and no annual fee, making it an affordable and rewarding option. For globetrotters, the no foreign transaction fees feature is especially attractive.