Chase foreign transaction fees: Complete guide

When you use your card abroad or make purchases in foreign currencies, banks often charge foreign transaction fees. These fees typically amount to 2-5% of each purchase and get added to your statement in USD.¹

They can add up quickly, even if you're only abroad for a couple of weeks.

If you're a Chase customer, you should know that Chase applies a 3% foreign transaction fee to most of their debit cards and several credit cards. That said, there are ways to avoid Chase international fees. You'll learn more about them in this guide.

💡 Want to avoid Chase foreign transaction fees altogether? Open an international account with Wise to send, spend, and convert money like a local.

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Table of contents

Does Chase charge foreign transaction fees? Which Chase cards have foreign transaction fees? Chase debit card fees Chase credit card fees Everywhere money. Meet Wise: the world's most international account How do I avoid foreign transaction fees? Chase credit cards with no foreign transaction fees What are Chase's international ATM fees? Chase international exchange rates Tips for using ATMs and cards abroad

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Does Chase charge foreign transaction fees?

Yes, Chase charges foreign transaction fees on most of their debit cards and some credit cards. These fees appear when you:

• make purchases in a foreign currency
• buy from international websites
• use ATMs abroad
• pay for services from foreign companies

The standard Chase debit card foreign transaction fee is 3%, but some account types offer better terms. Customers with Chase Sapphire℠ Banking or Chase Private Client Checking℠ get certain perks - but some international fees may still apply. More on this later.

For credit cards, Chase offers several options with no foreign transaction fees. These cards can be good options for international travelers who want to avoid extra costs on their purchases abroad, but there are still some Chase fees that you need to be aware of.

Overall, avoiding or minimizing Chase foreign transaction fees is possible, but it's important to compare your options.

Which Chase cards have foreign transaction fees?

Your choice of Chase card can have a big impact on how much you pay in Chase international fees. Most Chase debit cards charge these fees, but several credit card options don't.

Here's a breakdown of what you can expect.

Chase debit card fees

You get a Chase debit card when you open a Chase checking account. If you're wondering, "Can I use my Chase debit card internationally?" the answer is that you can, but it might cost you.

Most Chase debit cards include a foreign transaction fee, regardless of which checking account you open. That said, premium accounts like Chase Sapphire℠ Banking or Chase Private Client Checking℠ offer some international perks.

Card	Foreign transaction fee²	Other fees³
Chase Total Checking®	3% Foreign Exchange Rate Adjustment 5 USD Chase international ATM fee	12 USD monthly service fee
Chase Secure Banking℠	3% Foreign Exchange Rate Adjustment 5 USD Chase international ATM fee	4.95 USD monthly service fee
Chase Premier Plus Checking℠	3% Foreign Exchange Rate Adjustment 5 USD Chase international ATM fee	25 USD monthly service fee
Chase Sapphire℠ Banking	Foreign transaction fees are waived, but if you convert an international transaction to USD, Chase won’t reimburse you for the money you lose on the foreign currency exchange rate⁴	25 USD monthly service fee
Chase Private Client Checking℠	Foreign transaction fees are waived, but if you convert an international transaction to USD, Chase won’t reimburse you for the money you lose on the foreign currency exchange rate⁵	35 USD monthly service fee

In addition to these fees, foreign ATMs may charge their own operator fees. Chase can't control or predict them, and they vary by location.

Monthly service fees can be sometimes waived depending on the balance that you maintain.

💡 Learn more about Chase debit card foreign transaction fees in our full guide.

Chase credit card fees

Chase offers a fair mix of credit cards - some with foreign transaction fees and others without. Here's an overview of Chase credit card international fees for personal accounts.

Card	Foreign transaction fee	Other fees
Chase Freedom Unlimited®⁶	3% of the amount of each transaction in USD	10 USD or 5% cash advance fee, whichever is greater
Chase Freedom Flex®⁷	3% of the amount of each transaction in USD	10 USD or 5% cash advance fee, whichever is greater
Chase Freedom Rise®⁸	3% of the amount of each transaction in USD	10 USD or 5% cash advance fee, whichever is greater
Slate Edge®⁹	3% of the amount of each transaction in USD	10 USD or 5% cash advance fee, whichever is greater
Southwest Rapid Rewards® Plus¹⁰	3% of the amount of each transaction in USD	10 USD or 5% cash advance fee, whichever is greater 69 USD annual membership fee
Disney® Premier Visa®¹¹	3% of the amount of each transaction in USD	10 USD or 5% cash advance fee, whichever is greater 49 USD annual membership fee
Disney® Visa®¹²	3% of the amount of each transaction in USD	10 USD or 5% cash advance fee, whichever is greater

Chase credit cards also often charge annual fees, but some options waive them.

Everywhere money. Meet Wise: the world's most international account

If you’re not living in the US — or if you simply want a more flexible account you can open from anywhere — check out Wise.

Wise isn’t a bank, but a money service business (MSB) that offers an account which allows you to hold, send and receive money. As well as getting an attached multi-currency card — plus you’ll get some extra perks which suit anyone living an international lifestyle.

You’ll be able to hold 40+ currencies, and get local account details for up to 9 currencies including USD, to get paid easily by wire or ACH.

Wise offers linked multi-currency cards for spending and withdrawals around the world, and all currency conversion uses the mid-market exchange rate.

That means that whenever you send a payment or spend in a foreign currency your dollars are converted with the mid-market rate with low conversion fees from 0.41%. Easy.

This way to easy
international payments

Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information

How do I avoid foreign transaction fees?

Planning ahead can help you save money on Chase foreign transaction fees. Here are a few ways to reduce or eliminate them altogether:

• Get a no-fee credit card: Chase offers several credit cards without foreign transaction fees, like the Chase Sapphire Preferred® or Southwest Rapid Rewards® Priority

• Upgrade your Chase checking account: Premium accounts like Chase Sapphire℠ Banking or Chase Private Client Checking℠ waive foreign transaction fees (but you can still lose money on foreign currency exchange rates)

• Get cash before traveling: You can exchange your USD for foreign currency at your bank before your trip. This way you'll avoid ATM fees abroad, but your bank will still likely charge you a markup on the exchange rate

• Use an international multi-currency account: Services like Wise are designed for international spending. You can spend in local currencies without foreign transaction fees, which can save you a lot of money

Figuring out how to avoid foreign transaction fees can seem like a hassle, but it can save you a lot of your hard-earned money - even if you're only going on a short international trip.

Chase credit cards with no foreign transaction fees

There are a few Chase credit cards that waive foreign transaction fees, which makes them a smart option for international travel.

That said, these cards still charge other fees for certain transactions, including cash advances at ATMs.

Card	Foreign transaction fee	Other fees
Chase Sapphire Preferred®¹³	0 USD	10 USD or 5% cash advance fee, whichever is greater 95 USD annual membership fee
Chase Sapphire Reserve®¹⁴	0 USD	10 USD or 5% cash advance fee, whichever is greater 500 USD annual membership fee + 75 USD/each authorized user
Southwest Rapid Rewards® Priority¹⁵	0 USD	10 USD or 5% cash advance fee, whichever is greater 149 USD annual membership fee
Southwest Rapid Rewards® Premier¹⁶	0 USD	10 USD or 5% cash advance fee, whichever is greater 99 USD annual membership fee
United℠ Explorer¹⁷	0 USD	10 USD or 5% cash advance fee, whichever is greater 0 USD first-year annual membership fee, then 95 USD per year
United Quest℠¹⁸	0 USD	10 USD or 5% cash advance fee, whichever is greater 250 USD annual membership fee
United Gateway℠¹⁹	0 USD	10 USD or 5% cash advance fee, whichever is greater
United Club℠ Infinite²⁰	0 USD	10 USD or 5% cash advance fee, whichever is greater 525 USD annual membership fee
Marriott Bonvoy Boundless®²¹	0 USD	10 USD or 5% cash advance fee, whichever is greater 95 USD annual membership fee
Marriott Bonvoy Bountiful®²²	0 USD	10 USD or 5% cash advance fee, whichever is greater 250 USD annual membership fee
Marriott Bonvoy Bold®²³	0 USD	10 USD or 5% cash advance fee, whichever is greater
IHG One Rewards Premier²⁴	0 USD	10 USD or 5% cash advance fee, whichever is greater
IHG One Rewards Traveler²⁵	0 USD	10 USD or 5% cash advance fee, whichever is greater 99 USD annual membership fee
World of Hyatt²⁶	0 USD	10 USD or 5% cash advance fee, whichever is greater 95 USD annual membership fee
Aeroplan®²⁷	0 USD	10 USD or 5% cash advance fee, whichever is greater 95 USD annual membership fee
British Airways Visa Signature®²⁸	0 USD	10 USD or 5% cash advance fee, whichever is greater 95 USD annual membership fee
Aer Lingus Visa Signature®²⁹	0 USD	10 USD or 5% cash advance fee, whichever is greater 95 USD annual membership fee
Iberia Visa Signature®³⁰	0 USD	10 USD or 5% cash advance fee, whichever is greater 95 USD annual membership fee
Prime Visa³¹	0 USD	5 USD or 4% cash advance fee, whichever is greater
Amazon Visa³²	0 USD	5 USD or 4% cash advance fee, whichever is greater
Doordash Rewards Mastercard®³³	0 USD	10 USD or 5% cash advance fee, whichever is greater
Instacart Mastercard®³⁴	0 USD	10 USD or 5% cash advance fee, whichever is greater

It's unclear from Chase's website if they charge any additional Chase international ATM fees on these credit cards in addition to the cash advance fees.

Keep in mind that most foreign ATMs also charge their own separate operator fees.

What are Chase's international ATM fees?

If you're using your Chase card at a foreign ATM, you'll likely have to pay a fee (or multiple fees).

The standard Chase international ATM fee is 5 USD per withdrawal.

For credit cards, there are also cash advance fees - typically, 10 USD or 5% of the withdrawal amount, whichever is higher.

You might encounter Dynamic Currency Conversion (DCC) when using foreign ATMs. This is when the ATM or merchant offers to convert your transaction to USD right away. This conversion might seem handy, but it usually includes poor exchange rates and hidden fees.

🚨 Even premium Chase account holders should avoid DCC. If you accept currency conversion at an ATM or during a purchase, Chase won't reimburse any fees or commissions included in the third-party exchange rate.⁴⁵

So, always choose the local currency for your transactions and remember that "free currency conversion" usually just means more expensive exchange rates.

Chase international exchange rates

When you use your Chase card abroad, the bank converts your purchases from foreign currency to USD.

You can see the official mid-market exchange rate online (like on Google), but banks typically add a markup to this rate. This means you'll pay slightly more for each dollar's worth of foreign currency.

These markups typically appear on your statement after the purchase, which makes it hard to track or predict your actual spending in real time.

Tips for using ATMs and cards abroad

Here are a few tips that can help you minimize fees and protect your money while you're abroad.

• Plan your withdrawals: Make fewer, larger ATM withdrawals instead of frequent small ones to reduce the number of fees you pay. Just be careful about carrying too much cash on you

• Use credit cards for large purchases: Cards with no foreign transaction fees can work well for paying for things like your hotel or flights (if charged in foreign currency)

• Let Chase know that you'll be traveling: Tell Chase about your travel plans so that your cards aren't blocked for suspicious activity, which can sometimes happen when you start unexpectedly spending abroad

• Always have a backup option: Carry a backup card from a different bank and some cash. ATMs can malfunction, and not all places accept cards

• Check ATM locations: Look up Chase partner ATM locations at your destination, if there are any. Partner ATMs might offer better fees even abroad

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Chase offers quite a few credit cards without foreign transaction fees, but using your cards abroad still costs money through ATM fees, exchange rate markups, and cash advance charges.

Make sure to compare cards and account types before your trip to minimize fees, but be prepared to still lose at least some money. That said, having a premium Chase account can reduce how much.

Multi-currency made easy: get a Wise Account

The Wise Account lets you:

Get local details to receive money in 9 different currencies Spend like a local in over 150 countries with the Wise Multi-Currency Card Send money across currencies with the mid-market exchange rate Hold and convert money in 40+ currencies Manage your money online with the Wise app or website Opt in to receive annual percentage yield (APY) on your USD balance with Wise’s account interest feature (subject to change, certain limitations apply — see Program Agreement for more information)

Get a Wise Account
in minutes!

Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information

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Sources

1. Chase - How to avoid foreign transaction fees
2. Chase - Additional banking services and fees for personal accounts
3. Chase - Open a checking account
4. Chase - Sapphire® Banking
5. Chase - Chase Private Client Checking℠
6. Chase - Chase Freedom Unlimited® fees
7. Chase - Chase Freedom Flex® fees
8. Chase - Chase Freedom Rise® fees
9. Chase - Slate Edge® fees
10. Chase - Southwest Rapid Rewards® Plus fees
11. Chase - Disney® Premier Visa® fees
12. Chase - Disney® Visa® fees
13. Chase - Chase Sapphire Preferred® fees
14. Chase - Chase Sapphire Reserve® fees
15. Chase - Southwest Rapid Rewards® Priority fees
16. Chase - Southwest Rapid Rewards® Premier fees
17. Chase - United℠ Explorer fees
18. Chase - United Quest℠ fees
19. Chase - United Gateway℠ fees
20. Chase - United Club℠ Infinite fees
21. Chase - Marriott Bonvoy Boundless® fees
22. Chase - Marriott Bonvoy Bountiful® fees
23. Chase - Marriott Bonvoy Bold® fees
24. Chase - IHG One Rewards Premier fees
25. Chase - IHG One Rewards Traveler fees
26. Chase - World of Hyatt fees
27. Chase - Aeroplan® fees
28. Chase - British Airways Visa Signature® fees
29. Chase - Aer Lingus Visa Signature® fees
30. Chase - Iberia Visa Signature® fees
31. Chase - Prime Visa fees
32. Chase - Amazon Visa fees
33. Chase - Doordash Rewards Mastercard® fees
34. Chase - Instacart Mastercard® fees

Sources checked 02/06/2025