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Old 02-23-2020, 08:57 AM   #1
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Avoid CC Foreign Transaction fees

While traveling through Canada which credit cards have you found best to use to avoid the 3% foreign transaction fees?
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Old 02-23-2020, 01:02 PM   #2
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Originally Posted by DavidAndDonna View Post
While traveling through Canada which credit cards have you found best to use to avoid the 3% foreign transaction fees?
Thanks,
David
I have an American Express through USAA and an Alaska Airlines VISA and neither one charges a foreign transaction fee.
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Old 02-23-2020, 01:06 PM   #3
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I like my Chase Sapphire. I pay an annual fee, but the no transaction fees for international travel and double points are worth it.

*Sapphire Preferred
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Old 02-23-2020, 01:12 PM   #4
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I use a Capital One credit card and there are no foreign transaction fees and also no annual fees.


Regardless of the credit card you use, interest rates are ridiculously high so I pay mine off every month.
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Old 02-23-2020, 01:16 PM   #5
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I have an American Express through USAA and an Alaska Airlines VISA and neither one charges a foreign transaction fee.
Depends on which American Express you have. We had been AMEX customers for over 30 years. We advised them we were visiting Europe and asked if there would be any transaction fees. We were told no but when we got back, we had all kinds of transaction fees.
We asked to talk to a supervisor, who told us our particular AMEX card had changes and those fees now are standard. We told him that we had checked with them before we left and were told that they weren't going to be charged. He told us we should have read the contract fine print and refused to reimburse us.
I told him that I couldn't believe how he was treating a 30+ years customer and I would cancel our AMEX card. His response was "Do what you gotta do!"
Needless to say, we will never be an AMEX card holder again.
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Old 02-23-2020, 01:30 PM   #6
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I have an American Express through USAA and an Alaska Airlines VISA and neither one charges a foreign transaction fee.
X2.
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Old 02-23-2020, 02:06 PM   #7
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More and more Canadian retailers are no longer accepting AMEX because of high retailer fees. Visa and MC are welcome just about everywhere.
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Old 02-23-2020, 02:45 PM   #8
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CC transaction fee

Many cards do not have a transaction fee per se but roll the fee into a less favorable exchange rate. Since the exchange rate is constantly changing it is difficult to compare. I know when I buy $US the quoted rate is only good for three minutes! The card issuer is going to make a profit one way or another and of course that's how they stay in business.
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Old 02-23-2020, 02:46 PM   #9
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Originally Posted by NJKris View Post
I like my Chase Sapphire. I pay an annual fee, but the no transaction fees for international travel and double points are worth it.

*Sapphire Preferred
i seen good reviews about the Sapphire card, just not sure about the annual fee.
thanks
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Old 02-23-2020, 02:49 PM   #10
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Originally Posted by ManlyMan View Post
I use a Capital One credit card and there are no foreign transaction fees and also no annual fees.


Regardless of the credit card you use, interest rates are ridiculously high so I pay mine off every month.
thanks for the input, i seen some good reviews on this card!
payoff every month goes without saying.
thx
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Old 02-23-2020, 03:02 PM   #11
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More and more Canadian retailers are no longer accepting AMEX because of high retailer fees. Visa and MC are welcome just about everywhere.
Yep, on our 2016 6 week trip to Europe, only a handful of places accepted AMEX. And it used to be THE card for international travelers.
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Old 02-23-2020, 03:04 PM   #12
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I 'm pretty certain that all Capitol One cards have no foreign transaction fees.
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Old 02-23-2020, 03:55 PM   #13
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The Costco Visa does not charge foreign transaction fees.
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Old 02-23-2020, 04:03 PM   #14
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We use our bank’s debit card, 1% fee, instant exchange rate, just have to make sure we tell them where we are going
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Old 02-23-2020, 04:08 PM   #15
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The Costco Visa does not charge foreign transaction fees.
X2
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Old 02-23-2020, 04:20 PM   #16
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b of A

Bank of america. Dont forget to tell them your going whatever card your using.
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Old 02-23-2020, 04:22 PM   #17
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I 'm pretty certain that all Capitol One cards have no foreign transaction fees.
yea we're finding some of the Capitol One cards don't have the foreign transaction fees.

also just found a US BAnk Flexperks Travel Award card that looks like it may work as well.
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Old 02-23-2020, 04:24 PM   #18
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We use our bankís debit card, 1% fee, instant exchange rate, just have to make sure we tell them where we are going
we're considering the debit card...just gives me the hebe jebe's thinking it's on our account. God forbid someone got the numbers from a debit card
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Old 02-23-2020, 04:39 PM   #19
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Capital One no fees and you don't have to tell them you're going.
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Old 02-23-2020, 05:39 PM   #20
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Costco Visa

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We use our bankís debit card, 1% fee, instant exchange rate, just have to make sure we tell them where we are going
Costco Visa. You don't have to tell them. When you book any foreign travel, you get an email saying "You have booked travel to [area]. We will allow charges in that region."
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