Some cards have foreign transaction fees and some do not: this does not affect the exchange rate, nor does it add to or detract from one card's value over another. Unless travel and foreign transactions are the primary uses for the card, there is little reason to consider the foreign transaction fees. Other attributes such as interest rate, rewards programs, and penalty APRs, to name a few, could be far more important for you. Given these considerations, perhaps before making a decision, you can assess whether other credit cards may more closely match your requirements. However, if you are looking for a card to travel with, then check out our article on credit card foreign transaction fees.
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