1.Scotiabank Passport Visa Infinite + Card
Scotiabank
- 3%Scene+ points at select grocery stores
- 2%Scene+ points on groceries, dining, entertainment, and transit
- 1%Scene+ points on all other purchases
Earn up to 60,000 Scene+ points (worth up to CA$600 in travel rewards).
Earn 3 Scene+ points per $1 at select grocery stores, 2 points per $1 on groceries, dining, entertainment, and transit, and 1 point per $1 on everything else.
The Scotiabank Passport Visa Infinite + Card stands out as the top choice because it offers no foreign transaction fees and generous rewards on everyday spending, making it ideal for frequent travelers.
Pros:
- No foreign transaction fees
- Complimentary airport lounge passes
Cons:
- High annual fee
- Minimum income requirements
- No rewards breakdown available
To qualify for 30,000 bonus Scene+ points, you must have at least $3,000 in eligible purchases posted to your new Account in the first 3 months.
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What sets this card apart is its exclusive benefits at luxury hotels, making it a premium choice for travelers seeking enhanced experiences.
Pros:
- Exclusive benefits at over 900 hotels
- Additional perks at select hotels
Cons:
- High income requirement
- Annual fee may apply
3.Scotiabank Gold American Express
Scotiabank
- 6%Scene+ points at eligible grocery stores
- 5%Scene+ points on restaurants
- 1%Scene+ points on all other purchases
New cardmembers can earn up to 50,000 bonus Scene+ points and enjoy additional first-year rewards.
Earn 6 Scene+ points per $1 spent at eligible grocery stores, 5 points per $1 on restaurants, and 1 point per $1 on everything else.
This card shines for its exceptional rewards on everyday spending, particularly in grocery and dining categories, making it a top pick for food lovers.
Pros:
- High rewards on groceries and dining
- No foreign transaction fees
Cons:
- Annual fee applies
- Limited acceptance compared to Visa
4.Scotiabank Platinum American Express
Scotiabank
- 2%Scene+ points on all purchases
The Scotiabank Platinum American Express card offers a welcome bonus of up to 80,000 Scene+ points (worth up to CA$800 in travel).
Earn 2 Scene+ points per $1 spent on all purchases.
A key differentiator is its low interest rate combined with extensive travel insurance, making it an excellent choice for frequent travelers who want peace of mind.
Pros:
- Comprehensive travel insurance
- Low interest rate
Cons:
- High annual fee
- Limited rewards categories
5.Home Trust Preferred Visa
Home Trust
- 1%Cash back on all eligible purchases
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Earn 1% cash back on all eligible purchases.
This card is a reliable choice for those seeking a straightforward cash back option without the burden of annual fees, making it ideal for everyday spending.
Pros:
- No annual fee
- No foreign transaction fees
Cons:
- Cash back paid annually
- Limited rewards structure
6.Brim World Mastercard
Brim Financial
- 1.5%Cash back on everyday spending
Earn up to $500 in first-time merchant bonuses when you make your first purchases with participating retailers.
Earn 1.5% back on everyday spending.
This card offers a unique rewards structure that allows cardholders to earn significant cash back on everyday purchases, making it a versatile option for frequent shoppers.
Pros:
- No annual fee
- Flexible redemption options
Cons:
- Foreign transaction fees apply
- Limited to specific merchants for bonuses
- No rewards breakdown available
The HSBC World Elite Mastercard was known for its robust travel rewards and benefits, but it has been discontinued in Canada, making it essential for users to transition to alternative options.
Pros:
- Comprehensive travel benefits
- Flexible redemption options
Cons:
- Discontinued in Canada
- Transitioned to RBC
8.Koho Premium Visa
Koho
- 1.5%Cash back on groceries, dining, and transportation
Welcome bonuses range from CA$20 to CA$100 cash back depending on the promo code used.
Earn 1.5% cash back on groceries, dining, and transportation.
The Koho Premium Visa offers a unique prepaid structure that allows users to earn cash back on everyday spending while avoiding foreign transaction fees, making it a great option for budget-conscious consumers.
Pros:
- No foreign transaction fees
- High cash back on essentials
Cons:
- Monthly fee applies
- Prepaid card structure
Final Words
As you consider the best credit cards with no foreign transaction fees this July 2026 in Canada, remember that the right card can enhance your travel experience and save you money. Take time to compare your options carefully and make informed decisions that align with your spending habits and travel plans.
Frequently Asked Questions
The Scotiabank Passport Visa Infinite+ Card offers no foreign transaction fees and allows you to earn up to 60,000 Scene+ points (worth up to CA$600 in travel rewards). Cardholders also enjoy six complimentary annual airport lounge passes.
With the Scotiabank Gold American Express card, new cardmembers can earn up to 50,000 bonus Scene+ points and enjoy additional first-year rewards. You earn 6 Scene+ points per $1 spent at eligible grocery stores, 5 points per $1 on restaurants, and 1 point per $1 on everything else.
To qualify for the Scotiabank Passport® Visa Infinite Privilege* Card, you must have at least $3,000 in eligible purchases posted to your new Account in the first 3 months to earn 30,000 bonus Scene+ points. There is no annual fee for this card.
When selecting a credit card with no foreign transaction fees, consider the annual fee, rewards structure, and any additional benefits like travel insurance or lounge access. It’s important to choose a card that aligns with your spending habits and travel plans.
Yes, several credit cards in Canada provide travel rewards without foreign transaction fees, such as the Scotiabank Passport Visa Infinite+ Card and the Scotiabank Passport® Visa Infinite Privilege* Card. These cards often offer lucrative welcome bonuses and earn points on everyday purchases.
To maximize rewards on your travel credit card, use it for all eligible purchases to earn points, pay attention to bonus categories, and take advantage of sign-up bonuses. Additionally, consider combining your card with loyalty programs to enhance your earning potential.
The annual fees for credit cards with no foreign transaction fees can vary widely, ranging from no fees at all to several hundred dollars for premium cards. It’s essential to weigh the cost of the annual fee against the potential rewards and benefits you will receive.
