credit cards

Currency conversion fees

Currency conversion
American Express
  • ATM withdrawal: N/A
  • Credit card purchase: 2.7%
  • Debit card purchase: N/A
  • Credit card cash advance: (Express Cash) The foreign currency change rate fee is 2% plus 3% for each transaction, with a minimum fee of $5 and no maximum. Cardholders can obtain $1,000 to $3,500 -- depending on what card is used -- in cash and/or American Express Travelers Cheques every seven days. (The customary fee of 1% to 3% is charged for Travelers Cheque transactions.)
  • Fees charged even if transaction is in U.S. dollars?: No
Bank of America
  • ATM withdrawal: $5 plus 1% of ATM withdrawal (The fee is waived for BofA customers withdrawing money from global ATM alliance members.)
  • Credit card purchase: 3% of point of sale charge
  • Debit card purchase: 3% of point of sale charge
  • Credit card cash advance: Their regular cash advance fee applies; no additional charges.
  • Fees charged even if transaction is in U.S. dollars?: Yes
BB & T
  • ATM withdrawal: 3%
  • Credit card purchase: 2%
  • Debit card purchase: 3%
  • Credit card cash advance: 2%
  • Fees charged even if transaction is in U.S. dollars?: No
Capital One
  • ATM withdrawal: 0% Retail customers, with products opened in CapOne bank branches -- formerly Hibernia and North Fork branches in TX, LA, NY, NJ, CT, are charged a $1.50 fee when using a non-Capital One ATM in the U.S. and elsewhere.
  • Credit card purchase: 0%
  • Debit card purchase:0%
  • Credit card cash advance: 0%
  • Fees charged even if transaction is in U.S. dollars?: No
Chase
  • ATM withdrawal: 3% There is a $3 charge for non-Chase ATM withdrawal outside of the U.S., however, the fee is waived with Chase Premier Platinum Checking, Chase Premier Platinum Asset Management Account or Private Client Asset Management accounts.
  • Credit card purchase: 3%
  • Debit card purchase: 3% plus a withdrawal fee per transaction of $3.
  • Credit card cash advance: 3%
  • Fees charged even if transaction is in U.S. dollars?: No
Citibank
  • ATM withdrawal: 3% charge on ATM or debit transactions (For Citigold, private bank or international private bank customers, the charge is 0% on ATM or debit transactions.)
  • Credit card purchase: 3%
  • Debit card purchase: 3% charge on ATM or debit transactions (For Citigold, private bank or international private bank customers, the charge is 0% on ATM or debit transactions.)
  • Credit card cash advance: 3%
  • Fees charged even if transaction is in U.S. dollars?: Yes
Discover
  • ATM withdrawal: N/A
  • Credit card purchase: 2% for billing periods ending after May 1, 2009
  • Debit card purchase: N/A
  • Credit card cash advance: Standard 3% as with any other cash advance
  • Fees charged even if transaction is in U.S. dollars?: No

 

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Credit Card Averages
Product Rate
Balance Transfer Cards 14.91%
Cash Back Cards 15.00%
All Variable 13.63%
Low Interest Cards 9.81%
Compare rates:  
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