Foreign transactions fees are fees that may be assessed when you use your Credit Card to make a transaction that requires a conversion of currency, or a transaction processed outside of the United States (even if the transaction is in U.S. Dollars). You may incur this type of fee when you make a purchase either in person, over the phone or online with a merchant in a country other than the United States. This fee is in addition to any other applicable transaction fees that may be assessed."
When I purchased Air Canada tickets, I used my boa credit card to pay in usd. didn't know they would still charge me for the foreign transaction fee 3% -- for $19. :(
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