Best No Foreign Transaction Fee Cards in Canada - September 2026

The Scotiabank Gold American Express Card offers an excellent welcome bonus.

Until November 1, 2026, you can earn up to 50,000 bonus Scene+ points, broken down as follows:

• 30,000 Scene+ points by charging $2,000 in purchases to the card within the first 3 months
• 20,000 Scene+ points by making $7,500 in purchases on the card in the first year

This represents a value of up to $500 for travel (including Airbnb).

With the Scotiabank Gold American Express Card, you earn 6 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

Also, you earn 5 points per dollar for:

• Grocery stores
• Restaurants
• Entertainment centers

And 3 points per dollar on gas, transit and streaming services purchases.

You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). You can also use your points as cash back rewards with Scene+.

The Scotiabank Gold American Express Card also offers no foreign transaction fees, excellent insurance for your travel or purchases, concierge service, exclusive American Express benefits like the Front of the Line program.

With this welcome offer for the Scotiabank Passport Visa Infinite +* Card ^+* Card^MC, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.

Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.

With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

• No fees for foreign currency transactions
• 6 complimentary airport VIP lounge passes
• Excellent insurance for your travels and purchases
• Visa Infinite* Concierge Services

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

For a limited time, by signing up for the Scotiabank Platinum American Express® Card, you can earn up to 100,000 Scene+ points, worth up to $3,000 in value over the first 14 months (including about $1,000 in travel rewards from the bonus points).

With the Scotiabank Platinum American Express® Card, you earn 2 points per dollar spent on all purchases. These points can be used against any travel purchase (plane tickets, hotels, all-inclusives, and even Airbnb), and you can also use them for other rewards in the Scene+ program, like cash back.

Plus, with this card, you pay no foreign transaction fees, and you get 10 free accesses to VIP airport lounges (Priority Pass).

And you benefit from excellent insurance for your trips and purchases, premium concierge service, and exclusive American Express Invitations offers.

With the Wealthsimple Visa Infinite + Card, earn 2% cash back on all your purchases, with no categories to track and no cap.

In addition, there are no foreign exchange fees on any purchase made in a currency other than the Canadian dollar, and no annual fee if you hold more than $100,000 in assets with Wealthsimple, or if you transfer the direct deposit of an eligible payroll to Wealthsimple.

To be eligible for this card, you must meet one of the following: a personal income of at least $80,000, a household income of at least $150,000, a minimum annual spend of $25,000, or at least $300,000 in assets with Wealthsimple.

Some travel insurance is not currently offered to Quebec residents.

With the Wealthsimple Visa Infinite Privilege Card, get 2% cash back on all your purchases, with no annual limit.

In addition, there are no foreign exchange fees for any purchase made in a currency other than the Canadian dollar and no annual fees if you hold more than $100,000 in assets with Wealthsimple, or if you transfer direct deposit of an eligible payroll to Wealthsimple.

Some travel insurance is not currently offered to Quebec residents.

With the Scotiabank Passportᴹᴰ Visa Infinite Business* Card, you can get up to 40,000 Scene+ points as a welcome bonus and the first year free:

• 30,000 points after $5,000 in purchases during the first 3 months
• 10,000 points after $60,000 in purchases during the first 12 months

With the Scotiabank Passportᴹᴰ Visa Infinite Business* Card, you pay no foreign transaction fees.

Additionally, you receive six complimentary annual airport lounge accesses worldwide.

Special offer:

• Enter the code EARNKOHO when applying for your card.
• Get 2 months of the Everything Plan for free

The KOHO Prepaid Mastercard with Everything Plan gives you more cash back:

• 2% on food, beverages and bills
• 0.5% on all other purchases
• Up to 5% cash back at selected partner merchants

Your funds earn 3.5% interest (calculated daily, paid monthly) and are protected by CDIC. The card is also accepted at Costco.

For your travels, enjoy zero conversion charges on foreign purchases and one free withdrawal per month from international ATMs.

Choose between two payment options for the Everything Plan:

• $22/month, billed monthly
• $177/year, billed annually (equivalent to $14.75/month)

The Rogers Red World Legend^MC Mastercard is one of the best cash back credit cards in Canada for frequent travelers and Rogers customers.

With the Rogers Red World Legend^MC Mastercard, you get 2% cash back on all your eligible purchases worldwide — and with no foreign transaction fees, making it a top choice for international travel.

Every time you redeem your cash back for Rogers products or services, you receive a 1.5x bonus on the value of your cash back, maximizing the value of every dollar spent.

Rogers customers also enjoy 10 days of complimentary Roam Like Home access each year, as well as a $200 Rogers Entertainment Credit and exclusive access to sports and music experiences via the Rogers Moments program.

As a premium metal card, the Rogers Red World Legend^MC Mastercard offers 6 annual Plaza Premium Lounge passes worldwide, a complimentary Mastercard Travel Pass membership (powered by DragonPass) providing access to over 1,300 airport lounges worldwide at US$32 per person per visit, and exclusive benefits in over 120 countries through the Mastercard Priceless program.

Finally, you’re protected by a wide range of insurance coverages, such as:

• Trip Cancellation and Trip Interruption Insurance
• Emergency Medical Travel Insurance (75 years or under)
• Rental Car Collision and Damage Insurance
• Flight Delay Insurance
• Baggage insurance
• Common Carrier Travel Accident Insurance
• Hotel Burglary Insurance
• Purchase Protection and Extended Warranty

With this welcome offer for the Scotiabank Passport® Visa Infinite Privilege* Card, you get up to 80,000 bonus Scene+ points as a welcome bonus (worth $800):

• 30,000 points by making at least $3,000 in everyday eligible purchases in your first 3 months.
• 30,000 points after $20,000 in purchases within the first six months
• 20,000 points by making an eligible purchase during the 14th month following account opening

With the Scotiabank Passport® Visa Infinite Privilege* Card, you earn:

• 3X Scene+ points for every $1 in eligible travel purchases
• 2X Scene+ points for every $1 in eligible purchases at dining and entertainment establishments
• 1X Scene+ points for every dollar spent on all other eligible purchases

Including on foreign purchases, with no foreign transaction fees.

The Scotiabank Passport® Visa Infinite Privilege* Card is an excellent Visa credit card for this type of purchase.

These points can be used against any travel purchase at the rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb). You can also redeem your points for cash back at Scene+, for example, at your local grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Passport® Visa Infinite Privilege* Card also offers:

• No fees for foreign currency transactions
• 10 complimentary airport lounge visits per year
• $250 annual travel credit
• Excellent insurance for your travels and purchases
• Concierge service

Special offer:

• Enter the code KOHOMILES when applying for your card.
• Get 3 months of Extra Plan for free ($18 off per month) and $20 cash back

The KOHO Prepaid Mastercard with Extra Plan (formerly KOHO Premium Prepaid Mastercard) gives you more cash back:

• 1.5% on food, drinks, groceries, and transportation
• 0.25% on all other purchases
• Up to 5% cash back at selected partner merchants

Your funds earn 2.5% interest (calculated daily, paid monthly) and are protected by CDIC. The card is also accepted at Costco.

For your travels, take advantage of zero FX fees on foreign purchases.

Choose between two payment options for the Extra Plan:

• $18/month, billed monthly
• $144/year, billed annually (equivalent to $12/month)