2024 Chase Foreign Transaction Fees (2024)

FAQs

2024 Chase Foreign Transaction Fees? ›

Thankfully, it's easy to find rewards credit cards without foreign transaction fees. Several other Chase credit cards waive foreign transaction fees. This includes many card options in its travel credit cards lineup. Outside the Chase family, several no annual fee credit cards offer 0% foreign transaction fees.

Thankfully, it's easy to find rewards credit cards without foreign transaction fees. Several other Chase credit cards waive foreign transaction fees. This includes many card options in its travel credit cards lineup. Outside the Chase family, several no annual fee credit cards offer 0% foreign transaction fees.

Chase foreign transaction fees

The Chase debit cards that they show on their website charge a fee of 3% on every transaction you make in a currency that isn't US dollars. That covers ATM withdrawals, cash transactions away from ATMs, and purchases you make with your card.

You won't notice a foreign transaction fee until you take a look at your statement. This is because the fee isn't usually charged until the transaction is converted to U.S. dollars.

It's possible to get a foreign transaction fee waived, but it isn't easy. Call your credit card issuer's customer service department and request that they waive the fee. It works best if you've had the credit card for many years, but even then, there's no guarantee the issuer will waive the fee.

You can also avoid foreign transaction fees by making purchases online only with international merchants that work with U.S. credit cards and accept U.S. dollars.

If you're asking yourself, “can I use a credit card abroad?" the answer is, most often, yes. You may also be able to use your credit card to withdraw cash at most ATMs overseas, which may come along with fees.

What is the Chase bonus for 2024? ›

Chase has announced its bonus categories for the second quarter of 2024: hotels, restaurants and Amazon.com. The Chase Freedom Flex℠ and Chase Freedom® are known for their rotating bonus categories, which let cardholders earn 5% (on up to $1,500) on everyday purchases throughout the year.

Earning Rewards

The Chase Freedom Unlimited® earns 5% cash back on travel purchased through Chase Travel℠, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases, plus an additional 1.5% cash back on the first $20,000 in purchases the first year.

Rates and fees

There is no annual fee with the Chase Freedom Unlimited®, but there is a 3% fee charged on foreign transactions.

Card issuers can opt to exclude this fee from card terms but if not, the network's fee will be tacked on to any fee charged by the issuer. Foreign transaction fees typically show up as separate charges on your billing statement.

Before you head abroad with your credit card, you need to find out if your card will charge you a foreign transaction fee. You can check the fee schedule provided by your card issuer to determine if you will have to pay a fee, or you can call your credit card company and ask a customer service representative.

Use your Chase card overseas exactly as you would at home. You can use your physical Chase card to spend in stores and restaurants, and to make international withdrawals at ATMs. Just look out for the Mastercard logo wherever you are to check if the network is accepted.