no fx fee cards

no fee, no fx fee, 1% back, the og travel-abroad card. not in quebec.

prepaid, not credit, but zero fx and free canadian atms make it a solid travel sidekick.

flat 2% everywhere with zero fx fee. fee vanishes if your money already lives at wealthsimple.

same flat 2% and no fx fee, plus lounge visits. qualify via 150k income, 50k spend or 400k at ws.

canada's first world legend. no fx fee, uncapped 2% for rogers people, but $495 is a lot.

lowkey the best grocery + dining card in canada and zero fx fees, if your spot takes amex.

the classic no-fx visa with 6 lounge passes, solid travel default.

biz passport. no fx fee, 6 lounge visits, flat 1.5x scene+.

big welcome bonus, 10 lounge visits and flat 2x, but $399 is a lot to keep.

the free-bag card. first year free, 80k right now.

business-side free bags and 2x on telecom. first year's on citi.

mid-tier aa card with a companion cert and lounge passes. wait for the 90k.

admirals club membership in card form. fee jumped to $695 in the aug 2026 refresh.

automatic 25k status every year, 3x on all travel.

4x dining anywhere + 4x us groceries. dunkin and resy credits are a chore.

4x auto-picks your top 2 business categories. new credits mostly offset the $375.

a 13-credit coupon book with the best lounges. only math if you live in the credits.

business coupon book with lounges. 300k bonus if you can spend $20k fast.

ascent for your side hustle, with a fatter bonus. $70 + $25 per card.

the classic alaska card, now atmos. the companion fare pays for itself on one trip.

the global companion award works on partners in business class. that's the whole pitch and it slaps.

avios card for us-london flyers. the reward flight credit is the sleeper perk.

iberia avios for cheap off-peak business to spain. otherwise a bonus-and-done card.

aer lingus avios, mostly for the bonus. companion ticket needs $30k.

free way to earn transferable points on rent. everything else is 1x.

3x dining or groceries plus rent points for $95. a gold card lite.

2x on everything with transferable points and $600 in credits. the new bilt flex.

no fee, no fx, 1.5x on everything. the travel card for people who hate travel cards.

no-fee, no-fx 1.5x for the business. boring in a good way.

2x travel and dining, 1.5x everything, and the credits basically eat the $95. preferred rewards is the real cheat code.

$570 in credits plus priority pass for four. great if you're deep in bofa, mid if you're not.

no-fee marriott card. fine for the bonus and 5 night credits, nothing more.

$95 for a 35k night, silver and 15 nights toward status. easy keeper.

cheap free night card. 4x dining is worldwide now, gas is us-only.

mid-tier bonvoy. free night only after $15k spend.

4x grocery + dining marriott card. free night only if you spend $15k, so mostly a gold-status buy.

product-change only. 85k night + $300 airline credit + priority pass still carry it.

platinum status + 85k free night. dining credit is monthly.

no-fee way into capital one miles. 1.25x is meh on its own.

no-fee 1.5x miles for the side hustle. transfers included.

2x on everything for $95, and the miles go 1:1 to aeroplan.

2x business card that replaced spark miles. credits cover most of the fee.

2x everything, 1:1 to aeroplan. credits roughly cancel the fee, guests now cost extra.

venture x for your llc. pay-in-full card, 150k needs serious spend.

1.5% flat, no fx fee. the set-and-forget travel backup.

no-fee 3% on food, groceries and streaming. hard to beat at $0.

no-fee 1.5% for the business. the $750 bonus is the real draw.

5% at amazon + whole foods with prime, no fee, no fx. obvious if you're prime-pilled.

the no-prime version. 3% at amazon is meh; get prime visa if you have prime.

4% on dashes and a free dashpass year. no bonus beyond that.

5% on instacart up to $6k. niche but no fee and no fx.

4% gas, 3% dining + travel, paid once a year as a costco certificate. needs a membership.

same costco card, business edition. gas and dining carry it.

rotating 5% plus year-one cashback match. now run by capital one.

1.5x on everything, doubled to 3% for year one. miles are just cents.

2% gas and dining, capped low. mostly a balance transfer card.

2% on apple pay, 3% at apple. daily cash, no fees at all. moving to chase.

2% flat business card with a credit line. first year free.

for disney households only. streaming + park credits can wash out the $149.

2% flat for big spenders. the fee vanishes at $150k a year.

flat 2% (2.5% on big tickets) cash for pay-in-full businesses. no ur transfers though.

uncapped 2% for big spenders, no fx fee. $295 fee only makes sense at volume.

rotating 5% feeder that finally dropped its fx fee. pair with a sapphire.

the $95 ur gateway. now 3x gas too, plus a $100 hotel credit and global entry.

business ur anchor. 3x on ads, shipping and travel, and the bonus is huge.

8x chase travel and a mountain of coupons. $795 only pays off if you actually burn them.

the business csr. 200k bonus and google/ziprecruiter credits, if your company spends like a company.

free choice card with 3x on gas and groceries. points are mid but it costs nothing.

30k anniversary points covers the fee. 5x groceries and gas is sneaky good.

3x on basically everything you buy weekly, plus 1:1 to aa for $95.

citi's sapphire reserve rival. 1:1 to aa, but the credits need babysitting.

no-fee delta starter with no fx fee. no free bag though.

free checked bag for the whole booking. first year free so it's a no-brainer trial.

business twin of delta gold. free bags, first year free.

companion cert + mqd headstart. pays off if you fly delta a few times a year.

companion cert + mqd headstart on the business side. stacks with the personal one.

sky club + first-class companion cert. earn rate is weak, it's a perks card.

200k miles bonus and sky club for the business. big spend, big payoff.

no-fee hilton card that now earns 3x on everything. silver status is meh.

hilton gold for $150 plus $200 in hilton credits. free night needs $15k.

5x hilton points on everything up to $100k. gold status included.

diamond status + a free night every year. credits basically eat the fee.

$95 for a cat 1-4 night that's often worth $200+. keep forever.

hyatt for business spend. no free night, so it's about tier nights and the bonus.

no-fee ihg card with 4th night free. big bonus for basically no spend.

the ihg keeper. 50k night + $100 airline credit easily beat $150.

ihg business with platinum built in. free night + airline credit cover the $200.

new premium ihg card. platinum, 12x at ihg and $300 of f&b vouchers if you stay a lot.

the free jetblue card. small bonus, 2x groceries, that's it.

free bags for 4 and 5k points a year. pays for itself on one family trip.

jetblue plus but for the llc, with group a boarding.

jetblue's premium play: priority pass, $300 paisly credit. $499 is a lot for a b6 card.

3% on gas, groceries and dining, but it's onekeycash, so it only spends on expedia.

2% everywhere in expedia money plus $100 back yearly. only if you book expedia a lot.

cheapest way to get the free southwest bag. 3k anniversary points barely move the needle.

mid-tier southwest. 6k anniversary points + bag + 15% code roughly cover the fee.

business twin of the premier. good companion pass bonus fodder.

southwest's top personal card. extra legroom upgrades are the real perk now.

top southwest business card. 9k anniversary points and legroom upgrades.

no-fee united starter. fine for the bonus, then a sock drawer card.

the default united card. free bag + 2 club passes for $150 after a free first year.

business explorer. free bag, club passes, and 5k bonus miles if you hold a personal one.

the united road warrior card. $200 travelbank and 2 free bags do most of the lifting.

a united club membership with a credit card attached. only makes sense if you live in hubs.

club membership for business owners. 1.5x base is the only spend reason.

free card with 4x travel and a priority pass. kind of insane for $0.

4x dining for free, capped at $2k a quarter. solid foodie starter.

4x travel and gas up to $150k, priority pass visits, first year free.

3x on basically every everyday category for $0 and no fx. absurd for a free card.

5x hotels, 4x flights and wells transfer partners. effectively a $45 card after the airline credit.

5x gas for $0 is the move. wyndham points are cheap though.

15k points every year and 4x dining/groceries. decent if you actually stay wyndham.

8x gas and diamond status. the best wyndham card if you can get a business card.