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. Answer from cwdawg15 on reddit.com
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?
Top answer 1 of 5
91
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.
2 of 5
34
AMEX is not widely accepted in Europa, have a backup plan (visa/mc)
American Express
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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
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No Foreign Transaction Fees
Skip to main content · My Account · Cards · Banking · Travel · Rewards & Benefits
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.”
americanexpress.com
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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.
americanexpress.com
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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.
americanexpress.com
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What You Should Know About Foreign Transaction Fees
American Express
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No Foreign Transaction Fees | Business Gold Benefits
Skip to main content · My Account · Cards · Banking · Travel · Rewards & Benefits
Ramp
ramp.com › blog › business credit cards
American Express Foreign Transaction Fees Guide
October 13, 2025 - Look for language like “foreign ... spend globally. ... If you return an item purchased internationally, AmEx will typically refund the transaction fee, but only in proportion to the amount refunded....
Reddit
reddit.com › r/amex › do you use your amex gold abroad?
r/amex on Reddit: Do you use your amex gold abroad?
October 11, 2024 -
In the UK I used 'Revolut' where you can exchange money before you travel onto a debit card, here you get a rate that is very close to the 'real' rate, so basically 0 fees but also no points.
My understanding is for the US Amex Gold, you get 'no fees' but there are hidden fees in the exchange rate of about 2%. So given that you get points on the transactions maybe that about cancels out? What do people do here, do you use your amex abroad if you can?
Top answer 1 of 27
183
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.
2 of 27
22
I thought there were no foreign txn fees on gold and platinum. Is that not the case?
American Express
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American Express Gold Card | Card Benefits
Skip to main content · My Account · Cards · Banking · Travel · Rewards & Benefits
U.S. News
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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 ...
American Express
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What You Should Know About Foreign Transaction Fees
June 16, 2025 - A number of American Express® Credit Cards have no foreign transaction fees. These include The Platinum Card®, The American Express® Gold Card, and The American Express Green Card®.
Scotiabank Canada
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Scotiabank Gold American Express® Card | Scotiabank Canada
Earn 5x points and pay no foreign transaction fees with the Scotiabank Gold American Express Card. Apply today for exclusive benefits and rewards.
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.
CNBC
cnbc.com › cnbc select › credit cards › is the amex gold card's $325 annual fee worth the cost?
Is the Amex Gold Card's $325 annual fee worth the cost?
October 2, 2025 - Explore over 1,000 upscale hotels ... two nights or more through AmexTravel.com. *Eligible charges vary by property. No Foreign Transaction Fees....
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 ...
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.
Facebook
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Which Amex card has no foreign transaction fees?
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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.
Wise
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American Express foreign transaction fee — the only guide you’ll need - Wise
June 7, 2022 - No foreign transaction fee Amex cards do exist — but in this case you’re more likely to pay an annual fee which can be pretty steep. We’ve got a full round up of American Express zero foreign transaction fee cards — and their important ...
NerdWallet
nerdwallet.com › back to nerdwallet homepage › travel › is the american express gold card worth its annual fee?
Is the AmEx Gold Card Worth Its Annual Fee? - NerdWallet
1 month ago - If you make use of the full amount of all these credits, you'll pick up $424 worth of value, completely covering the annual fee. Enrollment required. Terms apply. This card carries no foreign transaction fees.
Monito
monito.com › home › best travel cards › debit cards for international travel
American Express Foreign Transaction Fees: Which Card is Best?
November 6, 2024 - Some American Express cards do charge foreign transaction fees, which are typically 2.7% of the transaction amount. If your card is a corporate card, it will have a 2.5% fee. As we detail below, some AMEX cards (like Platinum, Gold, and Green) waive this fee.
Delta Air Lines
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Amex Personal Credit Cards | Delta Air Lines
To earn an unlimited number of visits, the total purchases on the Card Account must equal $75,000 or more during a calendar year. 2Discount not applicable to partner-operated flights or to taxes and fees.