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        英皇娱乐appFull Disclosure:英皇娱乐app We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. See our Advertiser Disclosure?for more details. We appreciate your support!

        If you travel internationally frequently, you’re probably familiar with foreign transaction fees, those pesky fees charged by your credit card company on every purchase you make outside of the United States.

        英皇娱乐appThe fees can also be charged on transactions made with foreign banks,英皇娱乐app 英皇娱乐appeven if you’re making the purchase from the United States.英皇娱乐app For example, if you purchase an airline ticket from a foreign company, you may be charged a foreign transaction fee.

        Foreign transaction fees are widely unpopular, especially with travelers frequently paying their foreign expenses with credit cards. As a result, the list of credit cards not charging these fees is growing as issuers introduce new products without the fees and remove the fees from some existing cards.

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        Selecting a credit card that doesn’t charge foreign transaction fees is a real benefit for the traveler, but there are so many credit cards without these fees — the savvy traveler will want to choose a card that delivers more.

        Let’s start by taking a look at our picks for the top credit cards for international travel that have?英皇娱乐appno foreign transaction fees,英皇娱乐app and then continue with our guide to everything you need to know about transaction fees when you’re traveling.

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        英皇娱乐appBottom Line:?英皇娱乐appThe American Express collection of no foreign transaction fee credit cards offers strong benefits for the frequent traveler and card options equally suited to those with loyalty to a specific brand. A combination of cards could offer the perfect umbrella of benefits for the frequent traveler.

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        英皇娱乐appBottom Line:?英皇娱乐appThe Chase Sapphire Preferred? Card and The Chase Sapphire Reserve?earn valuable Chase Ultimate Rewards Points that can be redeemed for travel at an increased value through the Chase Ultimate Rewards travel portal, or transferred to hotel and airline partners.?

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        英皇娱乐appBottom Line:?英皇娱乐appSelect a no foreign transaction fee business credit card based on the spending profile of your business to maximize earning rewards. You’ll also want to make sure the spending levels of your business offset any annual fees, and that your travel is frequent enough to maximize the travel benefits offered with each specific card.?

        Please note that the list of additional benefits we’ve provided is an abbreviated summary for general comparison purposes only.

        All of the cards reviewed earn 1 point/mile per dollar spent on every purchase, so we’ve only included earnings in the additional benefits section that exceed this level.

        A complete list of benefits and current card offers is provided when accessing each credit card summary page individually. Additional terms and conditions apply.

        英皇娱乐appHot Tip:?英皇娱乐appWith so many different issuers providing cards without foreign transaction fees, it’s not a bad idea to quickly familiarize yourself with each bank’s specific rules prior to applying.?

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        No foreign transaction fee credit cards that offer the highest level of benefits and rewards typically charge an annual fee. However, there are plenty of no foreign transaction fee credit cards that do not charge an annual fee; here is a sampling of those cards.

        英皇娱乐appBottom Line:?英皇娱乐appYou don’t have to pay an annual fee to secure a credit card with no foreign transaction fees!

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        A foreign transaction fee is a fee assessed by your credit card issuer on any transaction that is processed through a foreign bank. A common foreign transaction fee is around 3% of the total foreign purchase, and there is no limit as to how much can be charged.

        The fee is perfectly legal, but more and more credit card companies are now eliminating it, since informed travelers choose credit cards that do not charge foreign transaction fees.

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        In some cases, the promotional summary for a credit card does not disclose whether there is a foreign transaction fee charged on the card. To find out for certain that no fee is charged, you’ll want to dig deeper.

        Fortunately, all of the financial information you’ll need can be found in what is known as a Schumer Box. It is named after Charles Schumer,? the congressman responsible for the legislation that requires credit card companies to clearly disclose costs and terms associated with each card.

        All credit card companies must use a standard format for the Schumer Box, so comparing cards became much easier after this legislation was passed in 1988.

        For a credit card you’re considering, you can review the Schumer Box online for that specific card by clicking on a link titled:

        • Rates & Fees
        • Terms & Conditions
        • Pricing & Rates
        • Interest Rates & Fee Summary
        • or a link with a similar name

        Credit card rates and fees

        Here’s what you’ll see in the Schumer Box if the credit card you’re researching 英皇娱乐appdoes英皇娱乐app 英皇娱乐appnot英皇娱乐app charge a foreign transaction fee:

        Here’s an example of a section of the Schumer Box for a credit card that 英皇娱乐appdoes英皇娱乐app charge a foreign transaction fee:

        英皇娱乐appDetermining if your existing credit card charges a foreign transaction fee:英皇娱乐app

        • 英皇娱乐appCall your credit card company英皇娱乐app – Contact your credit card company and ask whether your card charges a foreign transaction fee by calling the phone number printed on the back of your credit card.
        • 英皇娱乐appReview your paper cardholder agreement?英皇娱乐app– When you received your new credit card in the mail, a cardholder agreement was included. In the cardholder agreement, there is a chart similar to the ones illustrated above that lists all the fees assessed on your card.
        • 英皇娱乐appAccess your account online英皇娱乐app – Sign in to your online credit card account to access your cardholder agreement, which will include a breakdown of all fees/charges.

        英皇娱乐appBottom Line:?英皇娱乐appWhile a 3% foreign transaction fee might not seem like much, it can add up quickly, whether you’re a frequent traveler or just take 1 big trip a year. In any case, by selecting a credit card without the fees, you won’t come home to a billing statement full of additional foreign transaction charges on your purchases!

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        Once you’ve selected a credit card that charges no foreign transaction fees, you’ll want to make sure you minimize the plethora of other fees you might incur when securing foreign currency abroad (or simply paying for your foreign purchase with a credit card).

        You may be surprised to learn that you can be hit with several fees as a result of 1 simple foreign transaction!

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        While using your no foreign transaction fee credit card for purchases when traveling is a smart move, using that same credit card to secure a cash advance when you’re traveling can trigger additional fees and 鑻辩殗濞变箰appinterest charges.

        credit card rates and fees
        Using your no foreign transaction fee credit card for cash advances can still trigger fees.
        You’ll also incur interest rate charges on cash advances from your no foreign transaction fee card.

        In an emergency, it’s good to know that a cash advance is an option…but it’s also important to know what it can potentially cost you, even on a card that doesn’t charge a foreign transaction fee.

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        The term “currency conversion fees” is frequently used interchangeably with “foreign transaction fees,” but there is a difference.

        Converting foreign currency costs money. When your bank is charged by the processing network (such as Visa or MasterCard) for converting your purchase made in foreign currency to U.S. dollars, it passes the expense on to you.

        In some cases, the foreign transaction fee your bank charges you will include the currency conversion fee they have been charged (usually around 1%). The bank can also tack on additional fees, bringing the total to around 3%.

        英皇娱乐appBottom Line:?英皇娱乐appForeign transaction fees are just one of the charges you need to be aware of when paying for foreign purchases with your credit card and securing foreign currency while traveling. Referencing your credit card’s Schumer Box before traveling can help you avoid some of these fees.?

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        When you check out of your hotel or are presented with your dining bill in a foreign country, it might seem convenient that the total amount is already converted from the foreign currency to U.S. dollars. There’s no need to do any calculations to determine how much you’ll be paying — it’s been done for you!

        This practice of presenting the bill in your home credit card’s currency (in this case U.S. dollars) is known as “dynamic currency conversion.” While it might seem convenient and harmless, the end results are not in your favor.

        For example, let’s say you receive your foreign restaurant tab and there are 2 options for paying: you can select $106 U.S. or 86€ (Euro). You might do a quick calculation, think the totals make sense from a conversion perspective, and just pay the bill in U.S. dollars.

        Unfortunately, if you had paid the 86€, your U.S. bank would process the currency exchange based on the current rate — which in this case is closer to $96 (versus the higher $106 option on your bill).

        Paying in U.S. dollars abroad adds a layer of cost to the transaction: U.S. dollars have to be converted to the local currency to pay the merchant, then back to U.S. dollars to bill you on your credit card.

        When using a credit card, 英皇娱乐appalways pay your bill in the local currency of the country you’re in英皇娱乐app to ensure you get the best currency conversion rate.

        英皇娱乐appBottom Line:?英皇娱乐appNever pay in U.S. dollars when using your credit card in a foreign country! If your bill is presented in U.S. dollars, ask that it be voided and changed to reflect the amount in local currency. If both options are available on the receipt, be sure that U.S. dollars is not already checked as an option before you sign the receipt.?

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        You may think you could avoid foreign transaction fees by using your debit card to withdraw money from foreign ATMs when traveling abroad. This is a logical assumption, plus ATMs are usually conveniently located and facilitate an easy transaction. But foreign ATMs can charge exorbitant fees!

        Even if the foreign ATM fee is reasonable, your bank may add on foreign transaction fees, currency conversion fees, an out-of-network ATM fee, or other transaction fees.

        Some banks (such as Charles Schwab Bank and CapitalOne 360) reimburse these fees, and other banks allow a limited number of fee-free transactions per statement period.

        You can incur bank charges in addition to credit card foreign transaction fees.

        英皇娱乐appBottom Line:?英皇娱乐appTo minimize bank charges when abroad, review the fee disclosures associated with your debit card before you travel, and try to limit your withdrawals to 1 per trip. You can also open an account that reimburses ATM fees or allows a limited number of fee-free withdrawals per month.

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        With the vast selection of credit cards that do not charge foreign transaction fees, it should be easy to find an appropriate card for your travel expenses that avoids these fees.

        Remember to look at the Schumer Box for any credit card you’re considering, and learn about the fees charged on your current credit card before you travel.

        With just a small amount of research, you can minimize the fees that make international travel more expensive and avoid returning home to a credit card statement full of unexpected charges.


        The information regarding the AAdvantage Aviator Red World Elite MasterCard?, Ink Business Preferred? Credit Card, Discover It? Miles, Capital One? Spark? Cash Select for Business, Capital One? VentureOne? Rewards Credit Card, and Bank of America? Travel Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.?

        For rates and fees of the American Express? Gold Card, click here.
        For rates and fees of The Platinum Card? from American Express, click here.
        For rates and fees of the Hilton Honors American Express Surpass? Card, click here.
        For rates and fees of The Business Platinum Card? from American Express, click here.
        For rates and fees of the Hilton Honors American Express Card, click here.?


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        The Best No Foreign Transaction Fee Credit Cards For Travelers (A Head to Head Review)

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        A foreign transaction fee is a fee charged by your credit card issuer on every purchase you make that is processed through a foreign bank.

        You can even be charged a foreign transaction fee if you’re in the United States and make a purchase with a foreign merchant in foreign currency. The fee is calculated as a percent of your total purchase, usually around 3%.

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        You can avoid foreign transaction fees by always using a card for your foreign purchases that does not charge this fee.

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        The majority of credit cards today charge no foreign transaction fees, and we’ve put together a collection of the best credit cards for frequent travelers in this post.

        There are certain credit card issuers (such as Discover and Capital One) that do not charge a foreign transaction fee on any of their cards. For other cards, you’ll need to review the terms and conditions or rates/fee chart.

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        Credit card issuers are required to disclose any fees they charge on their credit cards. For an existing credit card, you can call the number printed on the back of your card, review the paper cardholder agreement that came with your card, or access your credit card account online.

        For a credit card you are considering, a list of all of the fees/charges can be found via a link on the summary page or application page.

        Christine Krzyszton

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        Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location.?Her expertise is traveling the world on a weekend with no pre-determined destination in mind, letting the cost of the airfare determine where she will go. She has over four million flown miles and elite status on all three major domestic carriers.

        英皇娱乐appDisclaimer:英皇娱乐app Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

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        Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This site does not include all credit card companies or all available credit card offers that are on the market. 英皇娱乐appClick here to see a list of advertisers that we work with.英皇娱乐app