Foreign Transaction Fees: Which Cards Waive Them

That 3% foreign transaction fee can cost you hundreds on international trips. Here’s what you need to know—and which cards to use abroad.

Cards That Charge FTF (Avoid for Travel)

Most cash back cards charge 3% FTF:

• Citi Double Cash
• Chase Freedom (Flex and Unlimited)
• Discover it
• Most store cards
• Most bank-specific cards

Always check before traveling.

International Travel Tips

Always choose local currency when asked “pay in dollars or local currency?” Choosing dollars triggers dynamic currency conversion—3-7% hidden fees.

Carry Visa or Mastercard. Amex acceptance is limited outside the US.

Notify your bank. Set travel alerts to prevent fraud blocks.

Last updated: January 2026 Affiliate disclosure: ShortcutBest may earn a commission when you apply through our links.