Best cards with no foreign fees (0% FX) 2026

Ranking updated August 2026 · 12 verified services

Ranked by editorial rating — placement is never for sale

Cards with a 0% FX markup: you pay in foreign currency at the network rate, with no surcharge. The list is cross-category — traditional bank cards and crypto cards together — ranked by editorial rating. Still check foreign ATM withdrawal fees, which remain separate.

The top pick is MetaMask Card (rated 5.0/5), with real cashback up to 3%.Kraken Krak Card and Coinbase One Card (AmEx) follow. Verified data, with a source for every entry.

  1. 1
    MetaMask Card
    S Non-Custodial Crypto Cards

    Self-custody: funds stay on-chain until payment

    5.0/5 Cashback up to 3% €0
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  2. 2
    Kraken Krak Card
    S Crypto Exchange Cards

    Zero explicit fees, 0% FX markup, quarterly PoR — the most transparent card in Europe.

    4.9/5 Cashback up to 2% €0
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  3. 3
    Coinbase One Card (AmEx)
    S Crypto Exchange Cards

    The only crypto credit card on the American Express network

    4.7/5 Cashback up to 4% €50
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  4. 4
    Chime Card
    A Crypto Credit Builder Cards

    Completely free; no credit check; no interest; no utilization reporting; 47K+ free ATMs.

    4.5/5 Cashback up to 5% €0
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  5. 5
    Crypto.com Visa Card
    A Crypto Exchange Cards

    Zero FX markup (0%)

    4.5/5 Cashback up to 5% €0
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  6. 6
    Gemini Credit Card
    A Crypto Exchange Cards

    0% FX markup

    4.4/5 Cashback up to 4% €0
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  7. 7
    Superform
    A Crypto Neobanks

    User-owned neobank: funds mai in custody of the platform; $180M+ depositi;auditato; privacy 9/10.

    4.4/5 €0
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  8. 8
    Bleap
    B Crypto Neobanks

    0% FX + €400 ATM/month + 2% cashback USDC + 8% APY + IBAN.

    4.2/5 Cashback up to 2% €0
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  9. 9
    Gnosis Pay
    B Non-Custodial Crypto Cards

    Self-custody via Gnosis Safe: full control of funds

    4.2/5 Cashback up to 5% €0
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  10. 10
    Ready Card (Argent)
    A Non-Custodial Crypto Cards

    Self-custodial on Starknet; session-key architecture; near-zero gas.

    4.2/5 Cashback up to 3% €0
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  11. 11
    Self Visa Credit Card
    A Crypto Credit Builder Cards

    Builds credit and savings simultaneously; no credit check; unique mechanism.

    4.2/5 €0
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  12. 12
    AllScale
    A Crypto Neobanks

    Ex-Kraken/OKX/Block team; $5M seed (YZi Labs); self-custody stablecoin OS for payroll B2B; Africa+LATAM focus.

    4.1/5 €0
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Frequently asked questions

Which cards have no fees on spending abroad?

Cards with a 0% FX markup: they apply only the network exchange rate, with no surcharge. This list gathers them across traditional bank and crypto cards. Note: “0% FX” refers to purchases; foreign cash withdrawals may carry separate fees.

Does the Advanzia Carta YOU really have 0% FX?

Yes: on foreign-currency purchases Advanzia applies no surcharge, only the Mastercard rate. Beware of cash withdrawals, however, which cost 4% (minimum €3) with interest from day one.