我曾經提過, 如果使用CAPITAL ONE CARD在美國境外刷卡消費, 不會被扣手續費.
有格友詢問這一點, 我上網查證, 確定目前的確是只有CAPITAL ONE 不加收國外刷卡手續費. 花旗卡(CITI CARD)會收3%, 美國運通卡會收2.7%. 能省就省, 在國外消費就使用CAPITAL ONE吧!
CAPITAL ONE 有種不同的卡, 為了促銷, 有的卡會在你申請通過後就給10000點 bonus. 如果還沒有CAPITAL ONE, 不妨考慮申請一張好在國外使用.
對了! 還有一點必須提醒: 在國外刷美國信用卡時, 切記要以當地幣值刷卡. 不要選擇以母國幣值刷卡.
舉例: 回台灣刷卡時, 要求以台幣金額刷.
下面的表格是幾種常用的信用卡 Foreign Transaction Fee 的比較. 在國外以ATM領現金也會被扣手續費喔!
Credit card foreign transaction fees (chart updated 12/29/2010) | |||
Issuer | Issuer fee | MasterCard/Visa fee | Total fee |
2.7%; no transaction fees for Platinum Cards and Centurion Cards | n/a | 2.7%; no transaction fees for Platinum Cards and Centurion Cards | |
2% | 1% | 3% | |
Barclaycard/Juniper | 2% | 1% | 3% |
none | none | none | |
2%; no transaction fees for ThankYou Premier Card and ThankYou Prestige Card | 1%; none for ThankYou Premier Card and ThankYou Prestige Card | 3%; none for ThankYou Premier Card and ThankYou Prestige Card | |
2% | n/a | 2% | |
HSBC* | 2% | 1% | 3% |
2%; no transaction fees for British Airways Visa Signature or Sapphire Preferred cards | 1%; no transaction fees for British Airways Visa Signature or Sapphire Preferred cards | 3%; no transaction fees for British Airways Visa Signature or Sapphire Preferred cards | |
US Bancorp | 2% | 1% | 3% |
USAA (available only to members of the military and their immediate families) | none | 1% | 1% |
Wells Fargo | 2% | 1% | 3% |
Foreign ATM transaction fees | |||
Issuer | Foreign ATM cost | ||
1 percent currency conversion fee at Global ATM Alliance ATMs/$5 plus 1 percent currency conversion fee at Non-Global ATM Alliance ATMs | |||
Citibank ATMs: $0 plus a 3 percent currency conversion fee/nonCitibank ATMs: $1.50 plus a 3 percent currency conversion fee | |||
HSBC | $1.50 for each ATM withdrawal; no fee for Premier Debit MasterCard | ||
$3 plus 3 percent currency conversion fee; for premium accounts, $0 plus 3 percent currency conversion fee | |||
USAA | $0 plus 1 percent currency conversion fee | ||
Wells Fargo | $5 withdrawal fee | ||
留言列表
