Best No Foreign Transaction Fee Cards for Online Shopping

[Casper476]

Title. I'm looking for an updated list of no foreign transaction fee, preferably no annual fee cards - not so much for travel as for online shopping. While I think the Capital One Quicksilver sounds like the best fit on paper, I'm nervous about the planned merger with Discover. One of the major retailers I shop at doesn't accept Discover and who knows what will happen with the Quicksilver after the merger. My current Experian FICO is 824 with no baddies on any bureau. I have no military connections for any CU recommendations. 

Any assistance would be greatly appreciated!

[Varsity_Lu]

Fidelity Rewards Visa is a 2% card with no AF or FTF.

[FicoMike0]

I believe all of the penfed cards are no ftf. Anyone can join.

Amex is a mixed bag, my bce is 2.7%, Hilton white no ftf.

[Kforce]

A few to take a look at if you want cash back.

Each has a hoop or two but nothing to bad.

If your spend is less than $1,500 a month, the State Dept Federal CU card.

2%, No FTF, No Balance transfer fees, No AF,  $200 for 3k in first 3 months.

As @Varsity_Lu  posted the  Fidelity Rewards Visa is not bad,

if you have accounts or want accounts with Fidelity.

If your spend is more than $ 1,500 a month might look at the Alliant or FIG

I have the Alliant and like it, but have good spend where 2.5% is worth the two hoops.

With small spend I would have went with the SDFCU  2%.

Alliant, requires a checking and savings with $1000 average daily balance in checking and one deposit a month.

 Alliant Visa® Signature Credit Card with Cashback

A "ACH" push from any external Bank or CU will work as deposit and transfer out can be same day if wanted.

Loss of interest on 1k each month  ~ (3-4) dollars a month value.

Need $50 in rewards to transfer to savings, checking or statement credit.

Has  $10,000 a month as spend cap.

Better than a flat 2% if monthly spend is  > $1000  and <=  $10,000

Not a good card for < $1000 a month spend.

FIG has $100 sign up, 3% first year on rewards & AF waived 1st year.

FIGFCU Crystal Visa® Credit Card | 3% Cash Back On Purchases

Then 2.5% and 99/yr AF  also a $10,000/m cap for rewards.

50$ to receive rewards

Cost of $8.25 a month 2nd year+.

Better than a flat 2% with spend > $2000 and  <= $10,000

If one has high spend the 3% for a year and signup can pull

this cards return better than the Alliant for first 4 to 5 years.

[FicoMike0]

Here's another with a regional

https://www.commercebank.com/personal/cards/credit-cards/commerce-miles

Generally, travel cards are no ftf, but many have fees. Here's another,

https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html

Also,

https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/traveler?CELL=6303

A surprise for me,

https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards?CELL=6303

[Anonymous]

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@FicoMike0 wrote:

Here's another with a regional

https://www.commercebank.com/personal/cards/credit-cards/commerce-miles

Generally, travel cards are no ftf, but many have fees. Here's another,

https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html

Also,

https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/traveler?CELL=6303

A surprise for me,

https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards?CELL=6303

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But for online shopping at least some of these cards are only going to get 1% (Amazon and altitude connect at least)

[FicoMike0]

That's true.

Hard to find good cb, no ftf and no af.

Id probably go with fidelity or 

https://www.penfed.org/credit-cards/power-cash-rewards-visa

The penfed also requires a free checking. Fidelity requires another free account too. I have accounts with both. Fidelity for stocks, penfed gives good ssl. 3% savings too. 

Of the two, I can tell you penfed is picky about # of recent accounts. I haven't tried elan, but since they're part of usb id expect them to be picky in general.

[ElvisCaprice]

If you want the best I've seen with no FTF.  Warning, hoop jumping involved.  

Get Bank of America Premium Rewards or Travel Rewards 2.62% no FTF with Platinum Honors.  PC one of these cards to a BofA CCR and choose online for category, 5.25% no FTF with Platinum Honors.

[Varsity_Lu]

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@ElvisCaprice wrote:

If you want the best I've seen with no FTF.  Warning, hoop jumping involved.  

Get Bank of America Premium Rewards or Travel Rewards 2.62% no FTF with Platinum Honors.  PC one of these cards to a BofA CCR and choose online for category, 5.25% no FTF with Platinum Honors.

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But don't you have to have $100,000 or more deposited with BoA to get that rate?

[Varsity_Lu]

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@FicoMike0 wrote:

That's true.

Hard to find good cb, no ftf and no af.

Id probably go with fidelity or 

https://www.penfed.org/credit-cards/power-cash-rewards-visa

The penfed also requires a free checking. Fidelity requires another free account too. I have accounts with both. Fidelity for stocks, penfed gives good ssl. 3% savings too. 

Of the two, I can tell you penfed is picky about # of recent accounts. I haven't tried elan, but since they're part of usb id expect them to be picky in general.

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To get the PenFed 2% rate you have to have their Honors Checking, right? That means you have to be in the military? Or did I read that wrong.