I am looking for a credit card that offers cash back but does not charge foreign transaction fees.

If you want cash back + no foreign transaction fees, these are some strong options to consider (assuming you’re looking at U.S. credit cards):NerdWallet+1

Card	Cash back	Foreign transaction fee	Good fit for
Capital One Capital One Quicksilver Cash Rewards Credit Card	1.5% cash back on every purchase	None	Simple everyday spending, including international purchasesNerdWallet
Capital One Savor Cash Rewards Credit Card	Higher cash back in categories such as dining, entertainment, groceries, and streaming (with 1% on other purchases)	None	People who spend heavily in bonus categoriesNerdWallet
Bank of America Customized Cash Rewards Credit Card	Category-based cash back (such as a choice category, groceries, and wholesale clubs)	None	Existing Bank of America customers who want category flexibilityBank of America

A few things to consider:

• Flat-rate vs. bonus categories: If you don’t want to track spending, a flat-rate card like Quicksilver is simpler.NerdWallet
• International acceptance matters: A card with no foreign transaction fee is most useful when the payment network is widely accepted abroad; Visa and Mastercard generally have broader acceptance than some alternatives.NerdWallet
• Check the exact offer before applying: Rewards rates, welcome bonuses, and terms can change.NerdWallet

If you tell me:

1. your approximate credit score range (excellent/good/fair),
2. whether you want no annual fee, and
3. whether you spend more on travel, dining, groceries, or general purchases,

I can narrow this down to the best matches.

Finding a cash back credit card that doesn't charge foreign transaction fees can be a little tricky, as most traditional cash back cards tack on a 3% fee for international or foreign-merchant purchases. However, a few major issuers stand out by waiving these fees entirely on their cash back lineups.

Top options for cash back with zero foreign transaction fees include:

• Capital One Savor Cash Rewards Credit Card — This card has a $0 annual fee and earns unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target), plus 1% on everything else. Crucially, Capital One does not charge foreign transaction fees on any of its credit cards. You can check it out directly via Capital One.experian.com+1
• Capital One Quicksilver Cash Rewards Credit Card — Another solid $0-annual-fee option if you prefer a simple, flat-rate structure. It earns an unlimited 1.5% cash back on every purchase, everywhere, with zero foreign transaction fees.money.usnews.com+1
• Bank of America Customized Cash Rewards Credit Card — This card features a $0 annual fee and no foreign transaction fees. It lets you earn 3% cash back in a category of your choosing (like gas, online shopping, dining, travel, drug stores, or home improvement) and 2% at grocery stores and wholesale clubs (up to $2,500 combined choice/grocery/wholesale quarterly spend), plus 1% on all other purchases.
• Discover it Cash Back / Discover it Miles — Discover charges $0 in foreign transaction fees. While the Discover it Cash Back gives great rotating 5% quarterly categories, and the Discover it Miles earns a flat 1.5× (which can be redeemed at face value for cash), keep in mind that international acceptance for Discover is more limited compared to Visa or Mastercard.

To help narrow down the best fit, tell me:

• What are your top spending categories (e.g., groceries, dining, online shopping, or general flat-rate purchases)?
• Do you prefer a flat cash back rate on everything or higher rates in specific categories?

Finding a cash-back credit card that doesn't charge foreign transaction fees can be a bit tricky because many traditional cash-back cards charge a 3% international fee. However, several major issuers waive these fees entirely.money.usnews.com+1

Top options that offer cash back (or flexible rewards redeemable for cash) with 0 foreign transaction fees include:

• Wells Fargo Autograph® Card : Features 0 annual fee and earns 3× points on a wide array of categories including restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Points can easily be redeemed for cash back. You can check out more details on the Wells Fargo Autograph Card.
• Capital One Savor Cash Rewards Credit Card : Features 0 annual fee and unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores. All Capital One cards feature 0% foreign transaction fees.
• Discover it® Cash Back or Discover it® Miles : Discover does not charge foreign transaction fees on any of its cards. The Miles card earns flat-rate rewards that can be redeemed directly for cash back. (Note: Discover acceptance can be more limited outside the U.S. compared to Visa or Mastercard.)
• Amazon Prime Visa : If you already have an Amazon Prime membership, this card has a 0 annual fee, charges no foreign transaction fees, and gives robust cash back (5% on Amazon/Whole Foods and 2% on dining, gas, and transit). Learn more about it on the Amazon Prime Visa overview.

If you'd like to narrow this down, let me know:

• Do you have a preferred rewards category (like dining, groceries, or flat-rate on everything)?
• Do you prefer a Visa/Mastercard for better international acceptance?

I can help you pick the exact right card for your spending habits.

Yes. If you want cash back + no foreign transaction fees, there are several good choices. Based on current 2026 terms, I’d start with these:

Card	Annual fee	Rewards	Foreign transaction fee	Best for
Capital One Savor	$0	3% dining, groceries, entertainment & streaming; 1% elsewhere	None	Best overall
Capital One Quicksilver	$0	1.5% on everything	None	Simple flat-rate cash back
Bank of America Travel Rewards	$0	1.5 points/$1 on everyday purchases	None	Simple rewards + international use
Bank of America Premium Rewards	$95	2 points/$1 travel & dining; 1.5 points/$1 elsewhere	None	Higher rewards if you spend heavily on travel/dining

My top pick: Capital One Savor

capitalone.com

The Savor is particularly attractive because it has no annual fee or foreign transaction fee, while earning 3% cash back on dining, grocery stores, entertainment and popular streaming services, plus 1% on other purchases. Capital One also currently lists a $200 welcome bonus after $500 in purchases during the first 3 months.Capital One+1

If you don't want to think about spending categories, the Quicksilver is simpler: 1.5% cash back on everything, with no annual fee and no foreign transaction fees.Capital One

One important distinction

Bank of America calls its Travel Rewards card a rewards card rather than a traditional "cash-back" card, and the rewards are points. If you specifically want cash deposited/credited back, I'd lean toward Savor or Quicksilver.

If you tell me your approximate credit score, annual spending, and how much you spend on dining/groceries/travel, I can narrow this down to the best 2–3 cards for you, including current welcome bonuses and whether the annual fee is worth it.

Finding a cash back credit card that doesn't slap you with a foreign transaction fee (which usually costs around 3% per swipe) used to be tricky, but several great options make it easy to earn rewards overseas or from international online merchants without extra charges.

• Capital One Savor Cash Rewards Credit Card: This card has a $0 annual fee and 0% foreign transaction fees (like all Capital One cards). It earns unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores, plus 5% back on hotels and rental cars booked through Capital One Travel.mastercard.com+1
• Discover it® Cash Back: Discover charges no foreign transaction fees and features 5% cash back on rotating quarterly categories (like grocery stores, gas stations, or restaurants) up to a quarterly maximum when activated, plus 1% back on everything else. Note: While it has no fee, Discover's acceptance network can be more limited outside the U.S. compared to Visa or Mastercard.
• Discover it® Miles: If you want a flat-rate alternative that functions just like cash back, this travel/cash hybrid earns an unlimited 1.5 miles per dollar spent on all purchases, charges no annual fee , and has no foreign transaction fees . You can redeem those miles as a statement credit for travel purchases or straight for cash back at the same value.
• Wells Fargo Autograph® Card: While technically earning flexible "points" rather than direct cash back, this card has a $0 annual fee and no foreign transaction fees . It earns 3x points on a broad array of everyday categories including dining, travel, gas stations, transit, popular streaming, and phone plans, and those points can easily be redeemed for cash back.

To help narrow down the best fit for your wallet, tell me:

• What are your top spending categories (groceries, dining, travel, or everyday flat-rate)?
• Do you prefer a flat-rate card or one with bonus categories?

If you're looking for a U.S. credit card with cash back and no foreign transaction fees, there are several good choices. My top pick for most people is the Capital One Savor.

Card	Annual fee	Rewards	Foreign transaction fee	Best for
Capital One Savor	$0	3% groceries, dining, entertainment & streaming; 1% other	None	Everyday spending + travel
Capital One Quicksilver	$0	1.5% on everything	None	Simple, flat-rate cash back
Wells Fargo Autograph	$0	3x points on several categories, including dining, travel, gas and more	None	Travel + broad bonus categories
BofA Premium Rewards	$95	2x travel/dining, 1.5x other; redeemable for cash	None	Higher travel rewards

My recommendation

Capital One Savor stands out if you want an uncomplicated card with no annual fee and no foreign transaction fees, while earning 3% cash back on groceries, dining, entertainment and popular streaming services and 1% elsewhere. Capital One currently lists a $200–$250 welcome bonus depending on the offer being displayed.Capital One+1

capitalone.com

If you prefer one flat cash-back rate everywhere, the Capital One Quicksilver is worth considering: it earns 1.5% on every purchase, has a $0 annual fee, and has no foreign transaction fee.Experian+1

The Wells Fargo Autograph is another particularly interesting option for travelers. It has no annual fee and no foreign transaction fee, with 3x points across several common spending categories.wellsfargo.com

If you tell me your approximate credit score (e.g. 700–749 or 750+) and your biggest spending categories (groceries, dining, gas, travel, general purchases), I can narrow this down to the best 2–3 cards for you.

Several top cash back credit cards charge $0 in foreign transaction fees , allowing you to earn rewards on international purchases or trips without extra surcharges.capitalone.com+2

Top Cash Back Credit Cards with No Foreign Transaction Fees

Card Name	Cash Back Reward Rate	Annual Fee	Foreign Transaction Fee
Capital One Quicksilver Cash Rewards	1.5% unlimited cash back on all purchases	$0	$0
Wells Fargo Autograph	3% on gas, dining, travel, transit, streaming, and phone plans	$0	$0
Fidelity Rewards Visa Signature	2% unlimited cash back on all purchases (when deposited to a Fidelity account)	$0	$0
Sofi Unlimited 2% Credit Card	2% unlimited cash back (requires redeeming into a SoFi checking/savings or investing account)	$0	$0

Breakdown of Options

• Capital One Quicksilver Cash Rewards: Great for a simple, flat-rate cash back structure with zero complications. You also get 5% back on travel booked through Capital One Travel.capitalone.com+2
• Wells Fargo Autograph: An excellent choice if your spending leans heavily into everyday categories like dining, gas, transit, and travel, as it awards 3x points/cash back without charging an annual fee.reddit.com+1
• Fidelity Rewards Visa Signature: Ideal if you want a flat 2% back on everything and already use or plan to open a brokerage, retirement, or cash management account with Fidelity.reddit.com+1

If you'd like to narrow this down, please tell me:

• What are your top spending categories (e.g., dining, groceries, travel, or general flat-rate)?
• Do you prefer a flat-rate card or one with bonus categories?

Finding a cash back credit card with no foreign transaction fees is a fantastic way to maximize your spending abroad without losing $0.03 on every dollar to extra charges.nerdwallet.com+1

Top options that combine cash back (or flexible cash-like rewards) with a $0 foreign transaction fee include:

• Capital One Savor Cash Rewards Credit Card : Excellent for everyday spending with $0 annual and foreign transaction fees. It earns solid cash back rates on dining, entertainment, popular streaming services, and grocery stores. (Note: Capital One cards are Mastercodes/Visas, meaning broad international acceptance).nerdwallet.com+2
• Discover it® Cash Back : Known for its 5% cash back on rotating quarterly categories (up to a limit) and a first-year cash back match, it charges no annual fee and no foreign transaction fees . Keep in mind that Discover acceptance can be spotty outside the U.S., so it's smart to carry a Visa or Mastercard as a backup.money.usnews.com+2
• Wells Fargo Autograph® Card : While technically earning rewards points that can be redeemed for straight cash back, this $0-annual-fee card charges no foreign transaction fees and rewards you with a generous 3× points on a wide array of categories like travel, dining, gas, transit, and phone plans.
• Capital One Quicksilver Cash Rewards : Offers a flat, straightforward unlimited cash back rate on every purchase with a $0 annual fee and no foreign transaction fees, making it completely hassle-free for international use.

If you'd like to narrow this down, tell me:

• What spending categories do you spend the most on (groceries, dining, travel, or general flat-rate)?
• Do you have a preference for Visa/Mastercard over other networks for global acceptance?