Capital One
capitalone.com › learn & grow › money management › foreign transaction fees
Foreign Transaction Fees Defined & Explained | Capital One
Capital One doesn’t charge additional fees for foreign debit card transactions.
Capital One
capitalone.com › help center › checking & savings › international atm fees
International ATM Fees | Capital One Help Center
For 360 products (360 Checking and MONEY Checking) there are no additional fees when you use your debit card abroad (any transaction made in a foreign currency or that is classified as a cross-border transaction).
Reddit
reddit.com › r/creditcards › capital one is terrible for international travel
r/CreditCards on Reddit: Capital One is TERRIBLE for International Travel
January 21, 2022 -
Don't be deceived by their marketing - Capital One is NOT a good card for international travelers. Yes they have no foreign transaction fees, but that doesn't do you any good if your card doesn't work.
Background: I work from home and typically spend 5-7 months abroad every year. I have a cheap US cell plan for when I'm in the US, but when traveling abroad, I use a cheap foreign SIM/plan. Big savings on cell service without the need for expensive international plans or roaming.
The problem: Capital One Mastercard is a fine card when using the physical card - it will work anywhere MasterCard is accepted. However, if you ever try to use the card on a website where you manually type in your 16 digit card number, expiration and CVV code - it generates a pop-up from MasterCard that wants to send you a OTC (One Time Code) as a text message to your US number. But what if you're not using your US number at the time? You have no way to receive the code. It doesn't give you any other option to receive the code. Not email, not a different international number, not an authenticator app like Google/Microsoft Authenticator. You're basically screwed. And don't bother trying to call customer service - there is NOTHING they can do. Its MasterCards Fault they'll tell you. Out of our control. Yet if you try to call MasterCard - "Sorry we're just the transaction processor, contact your card company." Circular finger pointing with you left screwed over.
I know this may be a small issue for people who keep their US number when outside US, but for travelers like me its a deal breaker.
Buyer Beware.
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I could be missing some thing, but it seems you think an entire card company is terrible based on the highly specific scenario where someone who resides in the US and has a US number travels outside the US but doesn’t bring their cell phone or have access to their US number and didnt update their contact/verification info with their card company even though its entirely predictable they’ll want to verify its you if you make a purchase abroad?
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Wouldn't a free Google Voice or similar number fix this problem? Something accessible from both phones.
Does Capital One have foreign transaction fees?
There are no foreign transaction fees for Capital One credit cards and for checking or saving accounts in the 360 product range. Foreign transaction fees do apply on some other accounts from Capital One, so look at the terms of your account carefully before you spend.
exiap.com
exiap.com › home › guides › capital one foreign transaction fees [2025 guide]
Capital One Foreign Transaction Fees [2026 Guide] - Exiap
How do I avoid foreign transaction fees of Capital One?
Capital One has credit cards and some checking accounts (the 360 account range) with no foreign transaction fees. You could also consider an account from an alternative like Wise or Revolut, which lets you hold, exchange, send and spend dozens of currencies conveniently.
exiap.com
exiap.com › home › guides › capital one foreign transaction fees [2025 guide]
Capital One Foreign Transaction Fees [2026 Guide] - Exiap
Do Capital One business cards charge currency conversion fees?
Capital One does not charge a separate currency conversion fee. Currency conversion is handled by the payment network (Visa or Mastercard) at the market rate on the processing date.
ramp.com
ramp.com › blog › business credit cards
Capital One Foreign Transaction Fee Guide
Capital One
capitalone.com › learn & grow › money management › no foreign transaction fees
Does Capital One Have Foreign Transaction Fees? | Capital One
Capital One doesn’t charge foreign transaction fees for any of its U.S.-issued credit cards. View important rates and disclosures. Apply for a travel card and elevate your next trip. Terms apply. ... A foreign transaction fee is a charge that may be added to a credit card, debit card or prepaid card transaction that’s made abroad.
Ramp
ramp.com › blog › business credit cards
Capital One Foreign Transaction Fee Guide
November 10, 2025 - Capital One doesn’t charge foreign transaction fees on any credit card, including business cards. Watch for ATM fees and dynamic currency conversion.
Curve
curve.com › blog › capital-one-foreign-transaction-fees
How to avoid all Capital One foreign transaction fees
February 27, 2025 - For example, Capital One charges a 2.75% fee on each foreign purchase made, which is known as the foreign transaction fee. In addition, withdrawing cash from an ATM with a Capital One card abroad can trigger even higher fees.
Exiap
exiap.com › home › guides › capital one foreign transaction fees [2025 guide]
Capital One Foreign Transaction Fees [2026 Guide] - Exiap
February 28, 2025 - If you’re choosing a BoA credit ... charge in the first place. Here’s a roundup of Capital One cards that have no foreign transaction fees, and some other fees you’ll need to watch out for:...
Capital One
capitalone.com › learn & grow › money management › cash or card when traveling
Cash or Card When Traveling: What’s Best? | Capital One
Capital One doesn’t charge a fee for using your card for foreign currency transactions. View important terms and disclosures.
Wise
wise.com › us › blog › capital-one-foreign-transaction-fee
Capital One foreign transaction fee — the essential overview and tips - Wise
June 15, 2024 - Capital One doesn’t charge foreign transaction fees, so this is one charge you won’t need to worry about with an account or card from this bank. You can see some other charges you may face with some popular Capital One cards above - checking terms and conditions will likely help, too. It’s usually going to cost you more to use a credit card to withdraw cash, instead of a debit card linked to your checking account.
Reddit
reddit.com › r/capitalone_ › how do you use your card internationally?
r/CapitalOne_ on Reddit: How do you use your card internationally?
March 23, 2025 -
So pretty much the title and probably a dumb question. The capital one website says I can use my savor card with no issue internationally with no foreign transaction fees. So if I'm traveling through Qatar and I want food at the airport I can just swipe my card as normal and it just charges automatically in local currency? Or does it convert into dollars or something?
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There are no foreign transaction fees with capital one, which is great. You’ll get a notification of the charge amount first in the local currency, and then you’ll get a notification of the dollar amount, that is what will hit your account. Some places will ask to charge you to convert into your home currency, never do that, instead, pay in the local currency using your cap one cards.
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Charge everything in the local currency and Mastercard will do the conversion to USD without any fees. You’ll be charged more or less the USD equivalent that you see on Google, give or take a few dollars. Neither Mastercard nor Capital One will charge for the service. When travelling, merchants may ask you if you want them to convert the currency to USD and bill you in USD. Decline this service because they jack up the exchange rate in their favour so they can profit off you some more. Just pay in the local currency and let Mastercard convert the currency at a much more favourable rate. The USD amount will appear on your statement and online banking but you can call customer service to confirm the original currency and amount for any transaction if you need to for any reason.
Rick Steves Travel Forum
community.ricksteves.com › travel-forum › general-europe › capital-one-360-pros-cons
Capital One 360? Pros & Cons? - Rick Steves Travel Forum
Also, no foreign transaction fees. You do need to open an investment account to get the checking account, but you are not required to fund that investment account. It can just sit there with a balance of zero....... ... CapitalOne definitely has brick and mortar offices.
Capital One
capitalone.com › learn & grow › money management › paying for things in europe
What Payment Types Should I Use in Europe? | Capital One
Like some credit cards, some debit cards may come with foreign transaction fees, currency conversion fees and ATM fees when you use them abroad. Capital One does not charge additional fees for foreign transactions. View important rates and ...
Tripadvisor
tripadvisor.ca › europe › france › ile-de-france › paris › paris travel forum
Anyone use a Capital One MC for International Travel? Fees? - Paris Forum - Tripadvisor
Examples include USAA, PenFed, Capital One, Andrews FCU. None of these charge foreign transaction fees, none charge annual fees. Some big name banks waive the foreign transaction fee if you pay an annual $300 or $400 for the card.
Capital One
capitalone.com › help center › contact us › traveling with your card
Traveling with your card | Capital One Help Center
The mobile app will help you manage your account on the go, while allowing you to do things like lock your cards and monitor your transactions. You can also customize certain transaction alert preferences to help you manage your account. Learn more about how we keep your account safe. Capital One doesn’t charge foreign transaction fees.
Capital One
capitalone.ca › assets › documents › pdf › Cardholder_Agreement.pdf pdf
Thank you for opening a Capital One Mastercard® Account. This Agreement
to an over limit fee for exceeding your credit limit, details of the fee are set out in the Disclosure statement. ... We bill you in Canadian dollars when you use your Card to make a Transaction in a foreign currency.
Reddit
reddit.com › r/japantraveltips › is there really no atm fees for capital one 360 checking?
Is there really no ATM fees for Capital One 360 Checking? : r/JapanTravelTips
December 17, 2024 - Capital One does not charge foreign transaction fees on its 360 credit and debit cards. This includes both credit cards and debit cards, and applies to purchases made in foreign currencies or cross-border transactions.
Capital One
capitalone.com › bank › money management › life events › accessing money overseas
The Cheapest Ways to Access Cash While Traveling Abroad | Capital One
Like no-transaction-fee credit cards, there are no-transaction-fee debit cards. If your travel money is in a checking account with no foreign transaction fees, you’re ahead of the game. Foreign ATM fees can be a bigger cost than you might have realized.
WalletHub
wallethub.com › popular credit card questions
Capital One Credit Cards With No Foreign Transaction Fee
December 9, 2025 - All Capital One credit cards have no foreign transaction fees. With any Capital One credit card, cardholders will save an average of on each purchase they make abroad or with an international merchant, compared to the average credit card offer
Rick Steves Travel Forum
community.ricksteves.com › travel-forum › budget-tips › capital-one-debit-card-issues
Capital one debit card issues - Rick Steves Travel Forum
We are still in Europe and have changed over to a Fidelity Visa card that pays 2% rebates to my investment account. Adios, Capital One. ... None of our credit cards charge a foreign transaction fee. We never use our debit cards for anything but ATM cash withdrawals because they connect to our ...
Wise
wise.com › us › blog › capital-one-savor-foreign-transaction-fee
Is there a Capital One Savor foreign transaction fee? Costs and tips - Wise
May 12, 2023 - There is an annual fee, however, of $95. This can be offset in the first year, with a one-off bonus of $300 for $3000 spent in the first three months. The Capital One Savor card offers unlimited cash back of 4% for all dining and entertainment ...