Foreign transaction fee calculator
See how much a card foreign-transaction fee adds to a purchase abroad, and optionally compare it with a cash markup.
Simple calculator. We may merge overlapping tools later; this page stays online with its image. Uses the purchase amount and fee percent you enter. How we research · How links work
The short answer
A $200 charge with a 2.9% foreign-transaction fee costs about $5.80 in fees (total $205.80).
Your purchase
FX fee
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Examples on $200
| FX fee | Fee $ | Total |
|---|---|---|
| 0% | $0 | $200 |
| 2.9% | $5.80 | $205.80 |
| 3% | $6 | $206 |
At the register
If the terminal offers to charge in your home currency, compare that total with paying in local currency plus your card’s FX fee.
Common questions
Where do I find the FX fee?
On your card’s foreign-transaction fee line, often around 0% to 3%. Dynamic currency conversion at the register is separate and often worse.
What is the cash rate comparison?
Optional. Some ATMs or desks add a cash markup. Enter that percentage to see how card FX compares.
Does this include the exchange rate itself?
No. It only adds the percentage fee on top of the amount you typed. The mid-market rate vs the card’s rate is a separate gap.