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Discover our selection of the best no-conversion-fee credit cards, ideal for your travels abroad. Benefit from exclusive advantages while avoiding hidden charges, and optimize your spending with these advantageous options.
These credit cards are among the only credit cards in Canada to charge no conversion fees for foreign currency transactions. You’ll save 2.5% on each foreign transaction!
Here is a table summarizing the different offers. For more details, read on or click on the name of a card.
The Scotiabank Gold American Express® Card offers an excellent welcome bonus.
Until July 1, 2026, you can get up to 45,000 Scene+ points as a bonus, distributed as follows:
This represents a value of up to $450 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 by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
Also, you earn 5 points per dollar for:
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 currency transaction fees, excellent travel and purchase insurance, concierge service and exclusive American Express benefits such as the Front of the Line program.
With this welcome offer for the Scotiabank Passport Visa Infinite Card, you get up to 60,000 bonus Scene+ points (a $600 value):
Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of at least 10,000 points, a value of $100.
With the Scotiabank Passport Visa Infinite Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
You’ll also earn 2 points for every dollar you spend, including on foreign purchases, in the following categories:
The Scotiabank Visa Infinite Passport 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 Visa Infinite Passport also offers :
We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.
With this welcome offer for the Scotia Passport Visa Infinite Privilege Card, you can earn up to 100,000 bonus Scene+ points (a $1,000 value):
With the Scotiabank Passport Visa Infinite Privilege Card, you earn:
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.
The Scotiabank Passport Visa Infinite Privilege Card also offers:
For a limited time, by subscribing to Scotiabank Platinum American Express® Card, you can earn up to 80,000 points. That’s a value of $800 for trips including Airbnb.
With Scotiabank Platinum American Express® Card, you earn 2 points per dollar spent on all your purchases. You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). And you can also use them for other rewards in the Scene+ program, such as cash back.
What’s more, with this card you pay no fees for foreign currency transactions, and you get 10 free accesses to airport VIP lounges like Priority Pass and Premium Plaza.
And you get excellent insurance for your travels or purchases, concierge service, and exclusive American Express Offers (American Express Invites Program).
Here are some frequently asked questions in the milesopedia community about credit cards in Canada.
There are several credit cards with no conversion fees:
The best no-conversion-fee VISA credit card is the Scotiabank Passport Visa Infinite.
The best American Express credit card with no FX-fee is the Scotiabank Gold American Express® Card.
The best-prepaid card with no foreign transaction fee is the KOHO Extra Mastercard. With this prepaid card, you can earn up to 1% cash back on your purchases. And you pay no conversion fees for your foreign currency transactions.
Read all about the KOHO Mastercard prepaid card.
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