When travelling with a credit card, what is a typical currency conversion/exchange charge?

Credit card companies usually charge fees for currency conversion or exchange whenever cardholders travel abroad and use their credit cards, sometime they call this as processing fee, however they charge varying percentage from a low of 1% to as high as 3%. Furthermore, credit card firms often tops this with certain percentage for fees they themselves defines, maybe some kind of transaction fee or overseas fee. If your planning to travel abroad in the near future, I suggest you shop for cards that don't charge fee for foreign currency transactions.

Among those I found are Capital One, Schwab Bank and Stanford Federal Credit Union. It is also advisable to utilize your ATM or debit cards, with a Cirrus logo, since this will be honored on an ATM abroad with Cirrus accreditation and they don't slap conversion charges. Accordingly, "always pay in the local currency.

Beware of any merchant who offers to convert your purchase into dollars on the spot, because you will likely still pay the conversion fees imposed by your credit card issuer in addition to whatever fee the merchant adds to his price.

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