Foreign transaction fees by US card issuer
A foreign transaction fee is a charge from the card issuer on a purchase the agreement treats as foreign. The percent is on that card's own table. A range on one issuer's agreement is not a fee you can copy onto another card. This page uses only the document named in the row.
Last checked: Oct 2026
The fee each document prints
Opened 16 October 2026. Foreign transaction fees explained covers the US rule that an example in a regulation is not your rate. The rows below are the issuer pages, not that example.
| Card or agreement | Fee the page prints | What the same page also says |
|---|---|---|
| Chase credit card agreement | None to 3% of the U.S. dollar amount | The rates and fees table prints that range. The agreement says there is a fee unless None is stated in the table for your card, and that the fee is a percentage of the U.S. dollar amount. Visa or Mastercard converts a foreign currency transaction. This row is not a statement that every Chase card charges 3%. |
| Wells Fargo debit card terms | 3% of the U.S. dollar amount | International purchase transaction fee, for each debit card purchase in a foreign currency that a network converts. A non-Wells Fargo ATM withdrawal fee is a different line on the same terms. |
| Citi / AAdvantage Globe Mastercard | Does not charge foreign transaction fees | The card page, dated October 20, 2025, says this card does not charge foreign transaction fees. It tells you to see pricing information. This row is that card. It is not every Citi card. |
| Capital One credit cards | No foreign transaction fee | Capital One's article, dated April 23, 2026, says Capital One does not charge foreign transaction fees on any of its credit cards, including travel, cash back, and student cards. The article does not print a debit card fee. Do not read this row as a 360 debit card fee. |
| U.S. Bank Altitude Connect Visa Signature | No foreign transaction fees | The card page says you get no foreign transaction fees on purchases outside the United States. This row is that card. It is not every U.S. Bank card. |
| PNC standard consumer credit card | 3% of each foreign transaction in U.S. dollars | The pricing addendum prints 3% of each foreign transaction amount in U.S. dollars. A foreign transaction is one with a merchant or financial institution outside the U.S. and its territories. This row is the standard agreement. It is not a claim about every PNC card. |
| Truist Enjoy Cash | None | The pricing addendum is accurate as of September 17, 2026. Next to Foreign Transaction, it prints None. Balance transfer and cash advance are different lines on the same box. This row is Enjoy Cash. Other Truist cards were not opened. |
| American Express Blue Cash Preferred | 2.7% after conversion | The cardmember agreement prints a foreign transaction fee of 2.7% of each transaction after conversion to U.S. dollars. A separate American Express article says a number of its cards have no foreign transaction fees, including the Platinum Card, The American Express Gold Card, and Delta SkyMiles Reserve. That article's general range is not a fee for a named card, so it is not copied into this cell. |
| Ally debit card agreement | Up to 1% | An international transaction fee of up to 1% applies to a POS debit, retail cash back, over the counter, or ATM transaction originated by a merchant or ATM operator outside the United States. The network converts a foreign currency. This is the debit agreement. An Ally credit card fee was not opened. |
Issuers not in this table
Bank of America is not here. Its credit card fees FAQ says a transaction in a foreign currency, or in U.S. dollars processed outside the United States, may be subject to a foreign transaction fee, and it tells you to read the card agreement. That FAQ does not print a percent. Discover is not here. The Discover pages opened on 16 October 2026 explain foreign transaction fees in general and do not print Discover's own fee. This page does not fill either gap from another site.
A monthly account fee is a different charge. How fees show on a US statement keeps a foreign transaction line apart from a purchase.
Questions
- Does Chase charge 3% on every card?
- No. The Chase agreement opened here prints None to 3% of the U.S. dollar amount, and it says the card's own rates and fees table controls. None in that table means there is no fee on that card.
- Which cards say there is no foreign transaction fee?
- On the pages opened, Capital One says it does not charge one on any of its credit cards. Citi says the AAdvantage Globe Mastercard does not. U.S. Bank says Altitude Connect does not, on purchases outside the United States. Truist Enjoy Cash prints None. American Express names the Platinum Card, the Gold Card, and Delta SkyMiles Reserve.
- Why are Bank of America and Discover missing?
- Bank of America's FAQ does not print a percent. Discover's pages opened here do not print Discover's own fee. Silence is not written as a dollar amount.
- Is Ally's fee a credit card fee?
- No. The sentence opened here is from the Ally debit card agreement. It prints an international transaction fee of up to 1% on debit and ATM transactions outside the United States.
Sources
- Chase credit card agreement (PDF)
- Wells Fargo debit card terms (PDF)
- Citi: AAdvantage Globe foreign transaction fee
- Capital One: foreign transaction fees
- U.S. Bank Altitude Connect
- PNC standard credit card agreement (PDF)
- Truist Enjoy Cash agreement (PDF)
- American Express Blue Cash Preferred agreement (PDF)
- American Express: foreign transaction fees
- Ally debit card agreement (PDF)
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