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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.
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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?

People also ask

How do I know if my credit card charges a foreign transaction fee?
Check your credit card agreement. If your card charges a foreign transaction fee, it should be listed under “fees.”
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americanexpress.com
americanexpress.com › credit intel › debt
What You Should Know About Foreign Transaction Fees
What triggers a foreign transaction fee?
Foreign transaction fees apply when you purchase something in a foreign currency or when a transaction is processed through a foreign bank. These fees can also apply when you shop online from a foreign retailer, even if you’re not traveling.
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americanexpress.com
americanexpress.com › credit intel › debt
What You Should Know About Foreign Transaction Fees
Do foreign transaction fees get refunded?
If your card charges foreign transaction fees, they may not be refunded when you seek a refund for an item purchased from a foreign merchant. Check your card agreement or contact your credit card company for full details.
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americanexpress.com
americanexpress.com › credit intel › debt
What You Should Know About Foreign Transaction Fees
Discussions

Foreign 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.

More on reddit.com
🌐 r/amex
25
1
February 8, 2021
Foreign transaction fee or amex transaction fee?

Whether a card has a foreign transaction fee totally depends on the card.

More on reddit.com
🌐 r/CreditCards
12
0
January 31, 2019
Do you use your amex gold abroad?
American credit cards, generally speaking, have a currency conversion rate decided by the bank that is pretty much close to the real thing and costs nothing. With that said, most credit cards charge a foreign transaction fee that is usually anywhere between 1-3%. 2% is very common. AMEX Gold, and most credit/charge cards with an annual fee have 0% foreign transaction fees. The currency conversion rate used by each bank might be slightly different, but I've found it to be negligible over many uses. More on reddit.com
🌐 r/amex
71
58
October 11, 2024
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
🌐 r/amex
23
26
March 30, 2024
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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....
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Wise
wise.com › gb › blog › using-amex-card-abroad
Using American Express abroad: What you should know (UK guide) - Wise
January 7, 2025 - While you’ll need to compare the costs of your preferred Amex cards to check, the cards we reviewed for this guide have foreign transaction fees of 2.99%, and charge 3% or 3 GBP (whichever is greater) for cash advances.
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Bitget
bitget.com › crypto wiki › does amex gold have foreign transaction fees: essential facts
Does Amex Gold Have Foreign Transaction Fees: Essential Facts
October 30, 2025 - The Amex Gold card is a popular ... official American Express terms, the Amex Gold card does not charge foreign transaction fees on purchases made outside your home country....
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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
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American Express
americanexpress.com › credit intel › debt
What You Should Know About Foreign Transaction Fees
June 16, 2025 - If you plan to make a lot of foreign purchases in the near future or are looking to travel overseas, it might be worth looking into opening a credit card with no foreign transaction fees.
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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 ...
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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.
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Ramp
ramp.com › blog › business credit cards
American Express Foreign Transaction Fees Guide
October 13, 2025 - Look for language like “foreign transaction fee” or “fees on international purchases.” If it lists a 2.7% credit card charge, your business is paying more than it needs to every time you spend globally.
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WalletHub
wallethub.com › popular credit card questions
American Express Gold Card Foreign Transaction Fee Info
November 7, 2024 - The American Express® Gold Card foreign transaction fee is 0%. This means you won’t be subject to an additional charge whenever you use the American Express® Gold Card outside of the United States
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Navy Federal Credit Union
navyfederal.org › credit cards
More Rewards American Express® Card | Navy Federal Credit Union
There are no annual balance transfer or foreign transaction fees. Our credit card APRs are low compared to others and capped at 18%. Other issuers rates are sometimes 30% or even higher.
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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.
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CNN
cnn.com › money › credit cards
Looking for a simple credit card reward strategy? This Amex Gold and Venture X combo is my go-to | CNN Underscored
November 20, 2025 - It doesn’t matter how great a card is on paper if it makes you pay extra the second you land internationally. Thankfully, neither of these cards charges foreign transaction fees, which is nonnegotiable for me (see rates and fees for the Amex ...
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U.S. News
money.usnews.com › home › credit cards › american express
American Express Gold Card 2025 Review | U.S. News
The card comes with baggage insurance, car rental loss and damage insurance, and no foreign transaction fees, making it a good choice when you're traveling stateside or abroad. The card may not be worth the $325 annual fee if you can't maximize ...
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Exiap
exiap.com › home › guides › american express foreign transaction fees [2025 guide]
American Express Foreign Transaction Fees [2026 Guide] - Exiap
February 28, 2025 - Where an American Express foreign transaction fee applies it can be 2.5% – 3%. This is added every time you spend in a foreign currency. There are ways to stick with AmEx and avoid the foreign transaction fee, by ordering a specialist ...
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Delta Air Lines
delta.com › english - home › skymiles loyalty program › airline reward credit cards › amex personal credit cards
Amex Personal Credit Cards | Delta Air Lines
There's only one card that takes you places with your preferred airline, the Delta SkyMiles Personal Credit Card from American Express.