Cards from Amex themselves all have a 2.5% fee. Answer from jcolp on reddit.com
Reddit
reddit.com › r/amexcanada › amex gold no fx fee?
r/amexcanada on Reddit: Amex Gold No FX Fee?
September 20, 2025 -
Does Amex Gold have no foreign exchange fee? I am in Europe currently and just paid EUR 18 for a flight. It charged me CAD 29.33 (pending), which is not very off from Google's rate of CAD 29.14. Does it mean that it has no 3% fx fee or will it update the charge once it got posted to my account?
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Cards from Amex themselves all have a 2.5% fee.
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I answered, then had to retract because I’m the dummy American who just skipped the CAD part of your post. The American version of Amex Gold has no foreign transaction fees. It looks like in Canada only the Scotiabank version has no foreign transaction fees.
WalletHub
wallethub.com › popular credit card questions
American Express Cards With No Foreign Transaction Fees
2 weeks ago - There are several American Express cards that have no foreign transaction fees, including the American Express® Gold Card and co-branded cards with rewards for Hilton, Marriott and Delta.
Videos
Scotiabank Canada
scotiabank.com › credit cards › american express › scotiabank gold american express card
Scotiabank Gold American Express® Card | Scotiabank Canada
Sign in to sceneplus.ca and select ... Scene+ Travel, Powered by Expedia:7 ... Shop online or abroad without the typical 2.5% foreign transaction fee on purchases made in a foreign currency.5 Just the exchange rate applies....
Foreign transaction fees
No matter what card you use, some ATMs or Merchants will give you the option to charge in your currency (eg USD). They usually say upfront that there’s like a 5% fee or if they don’t it might be even worse. You always want to decline this and charge in the local currency. More on reddit.com
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March 30, 2024[deleted by user]
All amex cards issued by amex canada have a 2.5% fx fee. Amex cards issued by scotia do not. The 5x multiplier also works worldwide for the most part btw. https://www.rewardscanada.ca/cobaltmultipliers.html More on reddit.com
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September 4, 2022Why Amex Canada does not have any “no FX fees” card?
Almost all cards in canada don't offer it so no competition or need to offer it. American issuers need to offer to entice ppl to get those cards as there's much more competition More on reddit.com
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October 29, 2024Foreign transaction fee or Amex transaction fee?
Two different things. Sometimes merchants tack on an extra “tax” for using Amex because it’s more expensive for them to take. It. I believe this is technically a violation of Amex’ TOCs but they do it (doesn’t have to be for international travel; I’ve seen it domestically). Foreign transaction fees are levied by the credit card company and the banks. Two totally different things.
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February 8, 2021Prince of Travel
princeoftravel.com › home › which credit cards have no foreign transaction fees?
Which Credit Cards Have No Foreign Transaction Fees? | Prince of Travel
April 15, 2025 - If you’re looking for an American Express product with no foreign transaction fees, we recommend checking out the Scotiabank Gold American Express® Card.
American Express
americanexpress.com › us › credit-cards › category › no-foreign-transaction-fee
No Foreign Transaction Fee Cards | American Express
Explore American Express No Foreign Transaction Fee Cards. Enjoy rewards and benefits while saving on foreign transaction fees. Apply today. Terms apply.
American Express
americanexpress.com › ca › en › customer-service › faq.what-are-the-exchange-rates-and-foreign-transaction-fees-for-out-of-country-charges.html
What are the exchange rates and foreign transaction fees for out of country charges?
If you make a charge in a currency other than Canadian dollars that charge will be converted into Canadian dollars. Please refer to your Cardmember Agreement for specific details regarding charges made in foreign currencies.
American Express
americanexpress.com › home › credit know how › using your credit card overseas
Using Your Credit Card Abroad | Amex CA
A conversion commission fee is a percentage of the Canadian dollar value of foreign currency transactions, so remember to factor these fees in.
Wise
wise.com › ca › blog › amex-gold-business-travel-card
Is the Amex Business Gold your best option for business trips? - Wise
July 9, 2025 - Team spending abroad – Issue Wise employee cards with no foreign transaction fees or annual charges · Tight budgets – Wise has no annual fee and transparent, low-cost pricing · Prefer debit over credit – Wise lets you spend only what’s ...
Reddit
reddit.com › r/amex › foreign transaction fees
r/amex on Reddit: Foreign transaction fees
March 30, 2024 -
I’m going on a Europe trip to several different countries in a couple months. I was wondering what the international fees on the Amex gold card would be like. It says there are no international fees by Amex but, merchants may charge their own foreign fees.
What’s everyone’s experience with this traveling abroad? Are there any fees either from Amex or merchants, especially in Europe?
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No matter what card you use, some ATMs or Merchants will give you the option to charge in your currency (eg USD). They usually say upfront that there’s like a 5% fee or if they don’t it might be even worse. You always want to decline this and charge in the local currency.
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AMEX is not widely accepted in Europa, have a backup plan (visa/mc)
American Express
global.americanexpress.com › card-benefits › detail › no-foreign-transaction-fees › gold
No Foreign Transaction Fees
Skip to main content · My Account · Cards · Banking · Travel · Rewards & Benefits
American Express
americanexpress.com › customer service › travel › using your card abroad
Using your card abroad
CanadaChange Country · English · Français · Welcome to the Help Centre · Using your card abroad · Can I get an emergency Card replacement? Can I use my American Express® Card abroad? Can I use my contactless Card abroad? Do I need to notify American Express before I travel? How can I get emergency assistance while travelling? What are the exchange rates and foreign transaction fees for out of country charges?
Exiap
exiap.ca › home › guides › american express foreign transaction fees & alternatives
American Express Foreign Transaction Fees & Alternatives - Exiap
February 18, 2025 - All AmEx cards commonly available are credit cards, although they all have slightly different features and fees, to suit different customer needs. Foreign transaction fees – when they apply – are a percentage added to the bill every time you spend in a foreign currency.
American Express
americanexpress.com › benefits › your gold card › get started
Get Started | Gold Card Benefits | Amex UK
Earn double points on purchases in a foreign currency, 2.99% fee applies for foreign transactions.
American Express
global.americanexpress.com › card-benefits › view-all › amex-gold
American Express Gold Card | Card Benefits
Skip to main content · My Account · Cards · Banking · Travel · Rewards & Benefits
CreditCardGenius
creditcardgenius.ca › blog › currency-exchange-rate-fees
Currency Exchange Rate Fees: What Your ...
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Reddit
reddit.com › r/amexcanada › [deleted by user]
Does Amex charge foreign transaction fees? : r/amexcanada
September 4, 2022 - All amex cards issued by amex canada have a 2.5% fx fee.
American Express
americanexpress.com › home › life with amex › credit cards › using a credit card abroad
Using a Credit Card Abroad | AMEX UK
American Express charges a currency conversion fee of 2.99% of the converted value of the transaction for each foreign currency purchase you make.
Quora
quora.com › Does-American-Express-Gold-card-charge-foreign-exchange-transaction-fees-when-using-the-card-internationally
Does American Express Gold card charge foreign exchange transaction fees when using the card internationally? - Quora
Answer (1 of 3): Yes. Typically 2–3% added to the Interbank Spot Rate. Attached is from the Gold Card T&C’s. Converting Transactions made in a foreign currency If you make a Transaction that is submitted to us in a foreign currency, or if ...
Reddit
reddit.com › r/amexcanada › why amex canada does not have any “no fx fees” card?
r/amexcanada on Reddit: Why Amex Canada does not have any “no FX fees” card?
October 29, 2024 -
I’m just trying to understand if there’s a particular reason for this? Especially the “premium/travel” cards such as Platinum, Aeroplan Reserve. Seems like it defeats their own purpose.
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Almost all cards in canada don't offer it so no competition or need to offer it. American issuers need to offer to entice ppl to get those cards as there's much more competition
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Because it’s not a deterrent for most people since there aren’t many cards in Canada that offer no forex. Now that AMEX cobalt no longer has 5x the points on international food/grocery purchases I got the Scotia AMEX Gold which gives you 5x scene points (5% CB) intl and no forex, so a benefit of 7.5%. You can also get first year free and if you sign up with Frugal Flyers you get $200 CB as well.
Scotiabank Canada
scotiabank.com › ca › en › personal › credit-cards › american-express › compare-american-express-credit-cards.html
Compare American Express Credit Cards | Scotiabank Canada
You may be charged FX fees when you use your credit card to buy something in a foreign currency either online or while you’re travelling.