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  2. Travel. Protection. Services. Useful Features Whether You’re Traveling Across Town or Around the Globe. $0 Foreign Transaction Fees 8Opens overlay Link to footnote. Make purchases abroad without being charged foreign transaction fees. Contactless Checkout. Simply tap to pay with your contactless Chase Visa card.

    • What Is A Foreign Transaction fee?
    • How Much Are Foreign Transaction Fees?
    • Which Cards Have No Foreign Transaction Fees?
    • Foreign Transaction Fees vs. ATM Fees
    • How to Avoid Foreign Transaction Fees
    • Bottom Line

    Foreign transaction fees are charged on certain cards when you make a purchase that goes through an overseas bank to process the transaction. When you make a transaction while traveling or through a foreign website, banks may have to convert the purchase into U.S. dollars. On some credit cards, issuers will then pass the conversion cost onto consum...

    Generally, foreign transaction fees hover around 3% for most issuers. Visa and Mastercard charge a 1% fee to banks for processing purchases made abroad, and many U.S. issuers tack on an additional 1-2% fee. Capital One and Discover do not charge foreign transaction fees on any of their credit cards.

    Most of the top travel credit cards don't charge foreign transaction fees. In fact, it's rare for a card that offers travel rewards and perks to charge any foreign transaction fees. While most issuers charge foreign transaction fees of around 3% on at least some of their products, Capital One and Discover do not charge foreign transaction fees on a...

    Another type of fee you may hear about when you travel is a foreign ATM fee. While the two fees can apply when traveling outside the U.S., they are not synonymous. A foreign ATM feeis charged when you withdraw cash from an ATM in a foreign country. Some banks waive this fee, especially if you use an ATM that falls within a specific network of banks...

    Use a card with no foreign transaction fees

    The easiest way to avoid foreign transaction fees is to use a card that doesn't charge them. TPG has a regularly updated guide on the top credit cards with no foreign transaction feesthat can help you figure out the best cards to use for your trips. Unfortunately, cash-back cards such as the Chase Freedom Unlimited and the Blue Cash Preferred® Card from American Express (see rates and fees) tend to charge foreign transaction fees. But keep in mind that some issuers, including Capital One and...

    Avoid 'dynamic currency conversion'

    When using a card terminal abroad, you may be prompted to pay in the local currency or in U.S. dollars. You should always choose local currency. Dynamic currency conversionis a sneaky way that banks encourage you to pay in your home currency (U.S. dollars) while abroad. However, they'll usually give you a poor conversion rate, so it's best to pay in euros, pesos or whichever is the local currency. Related: I fell for dynamic currency conversion — reader mistake story

    Pay with cash

    Of course, you'll also avoid foreign transaction fees by paying with cash. But those purchases won't earn you any rewards, and withdrawing cash abroad may be subject to pesky fees.

    The good news is that foreign transaction fees are much less common across top credit cardsthan they used to be. Hopefully, the industry as a whole is moving away from charging customers these types of fees. Until then, check your credit card's terms and conditions to know if you'll be on the hook for a fee when you're traveling and plan your card ...

    • Madison Blancaflor
  3. $95 Annual Fee † Earn 3 Free Nights (Valued up to 150,000 points) after you spend $3,000 on eligible purchases within the first 3 months from account opening with your Marriott Bonvoy Boundless® credit card. Certain hotels have resort fees.* *Offer Details †Pricing & Terms

    • Marriott Credit Cards From Chase
    • Chase
  4. Foreign transaction fee. None. Recommended credit score. 690 850 good - excellent. Get your free credit score. Compare to other cards. Get the Marriott Rewards® Premier Credit Card card...

  5. Not every credit card has a fee; however, for those that do, the fee can range from between $0 to $650. Of course, terms apply. Be sure to see if the card you’re considering has a fee and what the cost is, and evaluate whether the rewards you’ll earn based on your usage will offset the cost of the annual fee. Do I get Elite status when I sign up?

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