Does Discover charge 0% for a foreign transaction?

These three example agreements do not print a foreign transaction fee percent, and they do not print the word none for that fee. They do convert foreign currency at a rate Discover chooses. This page does not call that zero.

Which agreements were opened?

The Prime, Near Prime, and Secured cardmember agreements marked as example terms available to recent applicants as of 31 December 2025. Each PDF says those terms may not be available now.

Is the cash advance fee the foreign fee?

No. The Prime example prints a cash advance fee of either $10 or 5%, whichever is greater. That line is in the fees list. A foreign transaction fee line is not.

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Discover foreign transaction fee

Discover's Prime, Near Prime, and Secured example agreements, for terms available to recent applicants as of 31 December 2025, do not print a foreign transaction fee in the fees list. They do say how a purchase or cash advance in a foreign currency is converted to US dollars. This page does not turn that silence into zero. The PDFs say those terms may not be available now.

Last updated: October 20, 2026

Last checked: Oct 2026

What the fees list prints

Opened 20 October 2026. Each pricing schedule is an example. The Prime example prints an annual fee of none, a balance transfer fee of 5% of each transfer, a cash advance fee of either $10 or 5% of the cash advance, whichever is greater, a late fee of none the first time you pay late and up to $41 after that, and a returned payment fee of up to $30. The Near Prime and Secured examples print the same cash advance fee shape. None of the three fees lists includes a line named foreign transaction fee.

Discover's own article, What are foreign transaction fees, last updated 16 October 2026, explains the fee in general. It says some cards charge one and some may have none. It does not print Discover's own percent. A blog that fills that gap is not used here.

The cash advance dollar on the Prime example is already on cash advance fees and interest. A returned payment is a different charge, on returned payment fees.

How foreign currency is converted

All three agreements say the same thing in substance. If you make a purchase or a cash advance in a foreign currency, Discover converts it to US dollars using a rate Discover chooses. That rate is a government mandated rate, a government published rate, or the interbank exchange rate, depending on the country and the currency. Discover uses the rate in effect on the conversion date. That rate may differ from the rate on the transaction date.

That conversion sentence is not a fee percent. The US disclosure rule, on foreign transaction fees explained, says an issuer may leave the foreign transaction fee heading out, or state that there is none. These example schedules leave it out. They do not print the words "none" on that line, because the line is not there.

Bank of America agreements that do print 3% are on Bank of America foreign transaction fee. The issuer table that left Discover out is foreign transaction fees by US card issuer.

Questions

Does Discover charge 0% for a foreign transaction?: These three example agreements do not print a foreign transaction fee percent, and they do not print the word none for that fee. They do convert foreign currency at a rate Discover chooses. This page does not call that zero.
Which agreements were opened?: The Prime, Near Prime, and Secured cardmember agreements marked as example terms available to recent applicants as of 31 December 2025. Each PDF says those terms may not be available now.
Is the cash advance fee the foreign fee?: No. The Prime example prints a cash advance fee of either $10 or 5%, whichever is greater. That line is in the fees list. A foreign transaction fee line is not.

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