Foreign transaction fees by card
A foreign transaction fee is up to 3% of every purchase made abroad or with a foreign merchant. Whether you pay it depends on the card, not the bank: Citi Double Cash charges 3%, while Citi Strata Premier charges nothing. Pick your card to see what your trip costs.
Source: Issuer pages, linked in the table · verified
Foreign transaction fee
$30.00
Citi Double Cash adds $30.00 to $1,000.00 spent abroad. Cards that charge nothing.
- Spent abroad
- $1,000.00
- Citi Double Cash: 3% foreign transaction fee
- − $30.00
- Total fees
- $30.00
Checked on each issuer’s site
The details
Foreign transaction fees by issuer
| Card | Issuer | Foreign transaction fee | Annual fee |
|---|---|---|---|
| Chase Sapphire Preferred | Chase | None | $95 |
| Chase Sapphire Reserve | Chase | None | $795 |
| Capital One Venture X | Capital One | None | $395 |
| Capital One Venture | Capital One | None | $95 |
| Capital One Quicksilver | Capital One | None | $0 |
| American Express Platinum Card | American Express | None | $895 |
| American Express Gold Card | American Express | None | $325 |
| Bank of America Travel Rewards | Bank of America | None | $0 |
| Wells Fargo Autograph | Wells Fargo | None | $0 |
| Citi Strata Premier | Citi | None | $95 |
| Citi Double Cash | Citi | 3% | $0 |
Does Chase charge foreign transaction fees?
The Chase Sapphire Preferred has no foreign transaction fee (annual fee $95). The Chase Sapphire Reserve has no foreign transaction fee (annual fee $795).
Does Capital One charge foreign transaction fees?
The Capital One Venture X has no foreign transaction fee (annual fee $395). The Capital One Venture has no foreign transaction fee (annual fee $95). The Capital One Quicksilver has no foreign transaction fee and no annual fee.
Does American Express charge foreign transaction fees?
The American Express Platinum Card has no foreign transaction fee (annual fee $895). The American Express Gold Card has no foreign transaction fee (annual fee $325).
Does Bank of America charge foreign transaction fees?
The Bank of America Travel Rewards has no foreign transaction fee and no annual fee.
Does Wells Fargo charge foreign transaction fees?
The Wells Fargo Autograph has no foreign transaction fee and no annual fee.
Does Citi charge foreign transaction fees?
The Citi Strata Premier has no foreign transaction fee (annual fee $95). The Citi Double Cash charges 3% on foreign purchases and no annual fee.
How to check any other card
Every US card has a “Pricing & Terms” or “Rates and fees” table. Look for the line called Foreign transaction or Fee for foreign purchases: it is either “None” or a percentage, usually 3%. Debit cards list it in the account’s fee schedule. Then use the calculator above with “Another card”.
Two costs the fee table doesn’t show: dynamic currency conversion (always choose to pay in the local currency) and ATM withdrawals, which on a credit card count as cash advances. See the cheapest way to pay abroad.
Questions
Does Chase Sapphire have foreign transaction fees?
No. Neither the Chase Sapphire Preferred ($95 a year) nor the Sapphire Reserve ($795) charges a foreign transaction fee, according to Chase.
Does the Amex Gold card have foreign transaction fees?
No. American Express lists the Gold Card ($325 a year) and the Platinum Card ($895) among its cards with no foreign transaction fee.
Do Capital One cards charge foreign transaction fees?
Not the ones we checked: Venture X, Venture and Quicksilver all have no foreign transaction fee, according to Capital One.
What is Citi’s foreign transaction fee?
It depends on the card. Citi Double Cash charges 3% of the US dollar amount of each foreign purchase; Citi Strata Premier has no foreign transaction fee.
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