credit cards

Currency conversion costs

Currency conversion
Fifth Third Bank
  • ATM withdrawal: 3% of U.S. dollar amount
  • Credit card purchase: 3% of U.S. dollar amount
  • Debit card purchase: 3% of U.S. dollar amount
  • Credit card cash advance: 3% of U.S. dollar amount
  • Fees charged even if transaction is in U.S. dollars?: N/A
HSBC
  • ATM withdrawal: 1%
  • Credit card purchase: 3%, except for the HSBC Premier World MasterCard, which is 0%
  • Debit card purchase: 1%
  • Credit card cash advance: 3% except for the HSBC Premier World MasterCard, which is 0%
  • Fees charged even if transaction is in U.S. dollars?: No
National City
  • ATM withdrawal: 2%
  • Credit card purchase: 2%
  • Debit card purchase: 2%
  • Credit card cash advance: 2%
  • Fees charged even if transaction is in U.S. dollars?: Yes
PNC
  • ATM withdrawal: $3.50 (This fee is waived for PNC free checking customers with an average minimum balance of $2,000 for the statement period.)
  • Credit card purchase: 3%
  • Debit card purchase: 2.5% on purchases and cash advances
  • Credit card cash advance: 4% with a minimum of $10 plus normal cash-advance fees
  • Fees charged even if transaction is in U.S. dollars?: Yes
Royal Bank of Scotland
  • ATM withdrawal: 2% to 3% dependent upon need to change currency
  • Credit card purchase: The greater of $1.50 or 3% of the U.S. dollar amount of transactions, whether originally made in U.S. dollars or converted from a foreign currency
  • Debit card purchase: 2%
  • Credit card cash advance: 3% of the amount advanced, but not less than $10; the greater of $20 or 5% of the transaction for certain cash equivalent transactions
  • Fees charged even if transaction is in U.S. dollars?: Yes
Regions
  • ATM withdrawal: 3%
  • Credit card purchase: 3%
  • Debit card purchase: 3%
  • Credit card cash advance: 3%
  • Fees charged even if transaction is in U.S. dollars?: Yes
Simmons
  • ATM withdrawal: $0
  • Credit card purchase: 2%
  • Debit card purchase: 0%
  • Credit card cash advance: 3% not less than $4 or more than $50
  • Fees charged even if transaction is in U.S. dollars?: Yes
SunTrust
  • ATM withdrawal: 3% of the purchase amount as a currency exchange fee (There is also a $5 per transaction ATM fee for clients who do not have one of SunTrust's higher-end package accounts.)
  • Credit card purchase: 3% of the purchase amount as a currency exchange fee
  • Debit card purchase: 3% of the purchase amount as a currency exchange fee
  • Credit card cash advance: 3% of the purchase amount as a currency exchange fee (Other standard cash-advance fees apply, based on the terms of the cardholder agreement.)
  • Fees charged even if transaction is in U.S. dollars?: No
TD Bank
  • ATM withdrawal: 0%
  • Credit card purchase: 3%
  • Debit card purchase: 0%
  • Credit card cash advance: 3%
  • Fees charged even if transaction is in U.S. dollars?: Yes
USAA Credit Union
  • ATM withdrawal: 1%
  • Credit card purchase: 1%
  • Debit card purchase: 1%
  • Credit card cash advance: 3%
  • Fees charged even if transaction is in U.S. dollars?: No
US Bancorp
  • ATM withdrawal: 3% charge on ATM withdrawals after conversion to U.S. dollars ($1.50 to $2.50 fee)
  • Credit card purchase: 2% charge on point-of-sale purchases after conversion to U.S. dollars
  • Debit card purchase: 2% charge on point-of-sale purchases after conversion to U.S. dollars
  • Credit card cash advance: 3% charge after conversion to U.S. dollars (If no currency conversion takes place, fee is reduced to 2%. Cash advance fee is 4%, $10 minimum fee.)
  • Fees charged even if transaction is in U.S. dollars?: Yes
Wachovia
  • ATM withdrawal: 2%
  • Credit card purchase: 3%
  • Debit card purchase: 2%
  • Credit card cash advance: 3%
  • Fees charged even if transaction is in U.S. dollars?: Yes
Washington Mutual
  • ATM withdrawal: 3%
  • Credit card purchase: 3%
  • Debit card purchase: 3%
  • Credit card cash advance: 3%
  • Fees charged even if transaction is in U.S. dollars?: Yes
Wells Fargo
  • ATM withdrawal: $5 per withdrawal
  • Credit card purchase: 3% of the transaction amount for credit card purchases
  • Debit card purchase: 3% of the transaction amount for debit card purchases
  • Credit card cash advance: 3%
  • Fees charged even if transaction is in U.S. dollars?: Yes
Zions
  • ATM withdrawal: 2%
  • Credit card purchase: 2%
  • Debit card purchase: 2%
  • Credit card cash advance: 3%, with a $5 minimum
  • Fees charged even if transaction is in U.S. dollars?: Yes

 

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Compare Credit Card Rates



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Credit Card Averages
Product Rate
Balance Transfer Cards 14.54%
Cash Back Cards 14.71%
All Variable 11.68%
Low Interest Cards 9.71%
Compare rates:  
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