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Citi’s card has a 3% foreign transaction fee though, making it completely unusable abroad. Fidelity also charges 1%.

I’m actually not aware of any 2% card without any catches (Apple’s being that 2% is only for Apple Pay transactions, which is anything but ubiquitous when shopping online.)




> I’m actually not aware of any 2% card without any catches

The Bread Cashback Card (American Express)[1] and SoFi Credit Card (MasterCard)[2] give 2% cash back on all purchases with no foreign transaction fees, no annual fees, and no other "catches".

[1] https://www.breadfinancial.com/en/bread-financial-cashback-c...

[2] https://www.sofi.com/credit-card/


Yeah the foreign transaction fee is annoying on many cards - I don't have too many cards but I keep a travel focused card (capital one venture) for international travel.




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