Does Capital One have foreign transaction fees?

If you have a Capital One credit card, you don’t have to worry about hidden fees when shopping abroad. But other credit card issuers may charge foreign transaction fees if you’re traveling or making purchases from foreign websites.

What you’ll learn:

• A foreign transaction fee is an additional charge on a credit card purchase made abroad.

• Currency conversion fees are charged for exchanging one form of currency for another. 

• Capital One doesn’t charge foreign transaction fees for any of its U.S.-issued credit cards. View important rates and disclosures.

A foreign transaction fee is a charge that may be added to a credit card, debit card or prepaid card transaction that’s made abroad. 

The fee is usually about 1%-3% of the transaction amount after it’s converted to U.S. dollars. These fees can add up fast, especially if you’re making large international purchases or you’re on an extended trip abroad.

When using your card while traveling abroad, you may also run into currency conversion fees. Currency conversion fees may apply when you convert one country’s currency to another one. And they’re usually around 1% of the purchase amount.

Whether a Capital One card is accepted depends on where you’re traveling and the merchant involved in a transaction. That’s true whether you’re shopping down the street or on an international adventure. If you’re not sure about your card, many places have stickers on their doors indicating what card networks they accept. Or you can just ask.

Thanks to modern fraud detection and security measures, notifying Capital One that you’re leaving the country isn’t necessary. But that may not be true of all banks. But before you depart, you could still brush up on a few tips about using a credit card internationally.

Capital One doesn’t charge foreign transaction fees on any of its credit cards, including travel and cash back rewards cards. View important rates and disclosures. Capital One also offers exclusive benefits and elevated rewards that can help make your travel experience more enjoyable.

Here’s a quick look at a few Capital One credit cards with no foreign transaction fees:

Venture X has a $395 annual fee and comes with premium travel benefits. View important rates and disclosures. Cardholders earn 2X miles on every purchase; 5X miles on flights, vacation rentals and activities booked through Capital One Travel; and 10X miles on hotels and rental cars booked through Capital One Travel.

Venture X cardholders also receive a $300 annual credit for bookings through Capital One Travel and a $120 statement credit for Global Entry or TSA PreCheck®.

Venture is a travel rewards credit card that offers 2X miles on every purchase and 5X miles on hotels, vacation rentals, rental cars and activities booked through Capital One Travel.

New Venture cardholders can earn 75,000 bonus miles when they spend at least $4,000 within three months of opening an account. They’re also eligible for a $120 statement credit for TSA PreCheck® or Global Entry. For these travel benefits and more, there’s a $95 annual fee. View important rates and disclosures.

Savor cardholders earn unlimited 3% cash back at grocery stores and on dining, entertainment and popular streaming services, plus 1% cash back on all other purchases. They also earn 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel.

The card also comes with a $200 cash bonus when new cardholders spend at least $500 within three months of opening an account. And there’s no annual fee. View important rates and disclosures.

Quicksilver cardholders earn unlimited 1.5% cash back on every purchase and 5% cash back on hotels, rental cars, vacation rentals and activities booked through Capital One Travel. They can also earn a $200 cash bonus by spending $500 within three months of opening an account. There’s no annual fee. View important rates and disclosures.

Capital One doesn’t charge foreign transaction fees. View important rates and disclosures. But that’s just one benefit of having a Capital One travel rewards card. You could also:

• Elevate your next adventure with the Venture X card, which offers premium travel benefits and more.

• Earn unlimited 2X miles on every purchase, every day, and earn a one-time 75,000-mile bonus with the Venture card. 

• Earn unlimited 1.25X miles on every purchase, every day, with no annual fee with the VentureOne card. View important rates and disclosures.