Capital One
capitalone.com › learn & grow › money management › foreign transaction fees
Foreign Transaction Fees Defined & Explained | Capital One
November 10, 2025 - 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).
How do you use your card internationally?
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. More on reddit.com
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March 23, 2025Capital One is TERRIBLE for International Travel
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? More on reddit.com
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January 21, 2022Capital One duo is still the best setup (for me) for international travel.
You and me both, the Savor is such a good credit card paired with a Venture card. We spend a lot on groceries and 3x back on that is clutch More on reddit.com
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May 23, 2025Best Credit Card with 0 foreigners transaction fees.
Wells Fargo Autograph - No Annual Fee - No Foreign Transaction Fee - Strong Multipliers 3x Dining 3x Travel 3x Gas 3x Transit 3x Streaming Services 3x Phone Plans. You'll mostly care about the restaurant, travel, gas, and transit multiplier Note: Another option could be Bank of America Travel Rewards CC, but that's only going to be worth it if you have Platinum Honors More on reddit.com
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March 29, 2025Does my credit card have a foreign transaction fee?
You’ll need to check your card agreement to determine whether your card charges a foreign transaction fee. Find the agreement provided with your card, if you have it filed somewhere. Alternatively, you can find your card online and check the fees section under “Pricing and Terms” or “Rates and Fees”.
lendingtree.com
lendingtree.com › credit-cards › articles › foreign-transaction-fees
Foreign Transaction Fee: What is it? How does it work? | LendingTree
Why do banks charge foreign transaction fees?
Like any other fee, banks charge foreign transaction fees to make money off of credit card usage by consumers.
lendingtree.com
lendingtree.com › credit-cards › articles › foreign-transaction-fees
Foreign Transaction Fee: What is it? How does it work? | LendingTree
How much are foreign transaction fees?
Foreign transaction fees vary by credit card issuer, but they’re typically around 3%.
lendingtree.com
lendingtree.com › credit-cards › articles › foreign-transaction-fees
Foreign Transaction Fee: What is it? How does it work? | LendingTree
LendingTree
lendingtree.com › credit-cards › articles › foreign-transaction-fees
Foreign Transaction Fee: What is it? How does it work? | LendingTree
1 week ago - While every major bank offers at least one card with no foreign transaction fees, Capital One and Discover are unique in that they don’t charge foreign transaction fees on any of their card products.
LendingTree
lendingtree.com › credit-cards › best › no-foreign-transaction-fee
Best No Foreign Transaction Fee Credit Cards 2026 | LendingTree
1 week ago - These fees typically range from 1% to 3% of the total amount charged, and they tend to vary by card issuer. Note that some credit card issuers, including Capital One and Discover, never charge foreign transaction fees on any of their card products.
Capital One
capitalone.com › help center › checking & savings › traveling with debit card
Traveling with your debit card | Capital One Help Center
Planning to travel internationally with your Capital One debit or ATM card? You’ll need to plan ahead to ensure that your card will be accepted in the country you’re traveling to and that you’ll have access to cash.
Capital One
capitalone.com › learn & grow › money management › using credit cards in france
Using Credit Cards in France: What To Know | Capital One
November 10, 2025 - Some credit card issuers charge foreign transaction fees for purchases made abroad. Capital One doesn’t.
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.
Capital One
capitalone.co.uk › support › foreign-fees
Credit card charges abroad - Capital One
You may also have a Non-Sterling Transaction Fee (for example, 2.75%) added to the Sterling value. This would mean you have £84.51 taken out of your account + £2.32 (which is 2.75% of £84.51) = £86.83.
Rick Steves' Europe
ricksteves.com › travel-tips › money › card-fees
Card Fees (and How to Avoid Them) in Europe by Rick Steves
March 5, 2024 - If you're handed a receipt with two totals — one in the local currency and the other in US dollars — circle the amount in the local currency before you sign. Otherwise you'll pay a high price for the "convenience" of seeing your charge in dollars. The price is usually extracted by converting the charge at a lousy exchange rate set by the merchant's bank — and even though you're paying in "dollars," your credit-card issuer may still levy its standard foreign-transaction fee.
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 [2025 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
August 15, 2024 - Capital One doesn’t charge a fee for using your card for foreign currency transactions. View important terms and disclosures.
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.
U.S. News
usnews.com › home › money › banking › advice
Watch Out for Bank Foreign Transaction Fees When You Travel Abroad
October 28, 2025 - Most institutions set foreign transaction fees between 1% to 3% of the purchase, but some premier accounts may not charge any additional fees. Credit cards and cash offer more consumer protection when used internationally than debit cards.
NerdWallet
nerdwallet.com › banking › learn › foreign-atm-and-debit-card-transaction-fees-by-bank
What Banks Charge for Debit Foreign Transaction Fees - NerdWallet
Below, we compare the amount financial institutions charge to make an international ATM withdrawal or debit card purchase. » Learn more about how debit foreign transaction fees work · Capital One’s online bank stands apart from many banks because it doesn’t charge a currency conversion fee or a fee for using a foreign ATM network.
Published September 9, 2019
Facebook
facebook.com › groups › RickStevesEurope › posts › 1814718055910476
Capital One 360 debit card switching to Discover
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Instagram
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Master the Art of International Travel with Capital One's Fee ...
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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.
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.