Dining & groceries
Capital One
Capital One Savor
A cash-back option for food, entertainment and streaming purchases, with no annual or foreign-transaction fee.
- Annual fee
- $0
- Foreign transactions
- 0%
MONEY GUIDES / UNITED STATES
Find the card.
Know the fees.
Compare 10 leading credit cards by what they cost to keep and use. Start with the fees, then decide which benefits matter to you.
Issuer sources reviewed
10cards compared
5with no annual fee
7with no foreign fee
THE SHORTLIST
Compare credit cards
A selection across everyday cash back, dining and travel. No single card is best for everyone; the order below follows annual fee, not a score or paid placement.
Showing 10 cards
Everyday cash back
Chase
Chase Freedom Unlimited
An everyday rewards card with no annual fee, but a foreign-transaction charge to account for when spending abroad.
- Annual fee
- $0
- Foreign transactions
- 3%
Simple cash-back earning
Citi
Citi Double Cash
A no-annual-fee card with a two-part cash-back structure and a fee for foreign purchases.
- Annual fee
- $0
- Foreign transactions
- 3%
Flat-rate cash rewards
Wells Fargo
Wells Fargo Active Cash
Flat-rate cash rewards with no annual fee. International purchases and certain account transactions carry separate charges.
- Annual fee
- $0
- Foreign transactions
- 3%
Rotating bonus categories
Discover
Discover it Cash Back
A no-annual-fee card for people willing to activate quarterly categories, with no foreign-transaction fee.
- Annual fee
- $0
- Foreign transactions
- 0%
Travel rewards at a lower fee
Chase
Chase Sapphire Preferred
A travel rewards card with a $95 annual fee and no foreign-transaction fee, positioned below premium travel cards on yearly cost.
- Annual fee
- $95
- Foreign transactions
- 0%
Dining & grocery rewards
American Express
American Express Gold
A rewards card with a $325 annual fee and no foreign-transaction fee. Evaluate its benefits against your existing spending habits.
- Annual fee
- $325
- Foreign transactions
- 0%
Premium travel rewards
Capital One
Capital One Venture X
A premium travel card with a $395 annual fee and no foreign-transaction fee, combining miles with travel benefits.
- Annual fee
- $395
- Foreign transactions
- 0%
Premium travel benefits
Chase
Chase Sapphire Reserve
A premium travel card with a $795 annual fee. Adding an authorized user creates another annual charge.
- Annual fee
- $795
- Foreign transactions
- 0%
Travel & lifestyle benefits
American Express
American Express Platinum
A premium card with an $895 annual fee and no foreign-transaction fee. Its additional-card options have different costs and benefits.
- Annual fee
- $895
- Foreign transactions
- 0%
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SIDE BY SIDE
Annual and foreign-transaction fees
The example adds the annual fee to fees on $1,000 of foreign purchases. It excludes interest, rewards, credits and other charges. Open a card guide for issuer sources.
| Card | Annual fee | Foreign fee | Example yearly fees |
|---|---|---|---|
| Capital One Savor | $0 | 0% | $0 |
| Chase Freedom Unlimited | $0 | 3% | $30 |
| Citi Double Cash | $0 | 3% | $30 |
| Wells Fargo Active Cash | $0 | 3% | $30 |
| Discover it Cash Back | $0 | 0% | $0 |
| Chase Sapphire Preferred | $95 | 0% | $95 |
| American Express Gold | $325 | 0% | $325 |
| Capital One Venture X | $395 | 0% | $395 |
| Chase Sapphire Reserve | $795 | 0% | $795 |
| American Express Platinum | $895 | 0% | $895 |
DO THE MATH
What could the fees add up to?
Estimate the annual fee plus foreign-transaction charges. The same calculation applies whether you travel or make eligible purchases from overseas merchants.
An illustration, not a quote. Excludes interest, exchange-rate changes, cash advances, transfers, extra cards, merchant fees, rewards and credits. No information is sent or saved.
Enter an amount from $0 to $1,000,000.
Estimated yearly fees
Read this card's fee guide →$0 annual fee + $0 foreign-transaction fees
BEFORE YOU CHOOSE
Look beyond the annual fee
Interest is a separate cost
APR is an interest rate, not an annual membership charge. If you carry a balance, interest can outweigh rewards. Check your offer's rates and grace-period rules.
Transfers and cash can cost more
Balance transfers and cash advances can carry transaction fees and separate APRs. A 0% promotional APR does not automatically mean a $0 transfer fee.
Value benefits you will actually use
Credits may need enrollment, specific merchants or use before a deadline. Compare their realistic value with the fee you must pay, including extra cardholders.
How we selected these cards
This starter collection covers U.S. consumer cards across cash-back, dining, travel and premium categories. It is a curated comparison, not a complete market survey or an approval recommendation. We compare published fees and cite issuer pages in each guide; we do not assign star ratings or treat welcome bonuses as guaranteed value.
Fees were reviewed on October 13, 2026. New-account offers, eligibility and existing-account terms can differ. Check the issuer's current pricing disclosure before applying. This is general information, not personalized financial advice.