How much is the AAdvantage Aviator Red foreign transaction fee?

Question

The Mastercard foreign transaction fee is usually 0% or 3%, depending on which card you have and the bank or credit union that issued it.

Here’s how the Mastercard foreign transaction fee works:

The Mastercard foreign transaction fee comes in two parts. Mastercard, as the credit card network, always charges a 1% fee. Then, the credit card issuer can choose to add their own fee on top of that, or cover Mastercard’s fee for you. If your card’s foreign fee is higher than 1%, it means the issuer added their own fees. If your Mastercard’s foreign transaction fee is 0%, it’s because the issuer pays the 1% network fee for you.... read full answer

If you have a Mastercard that charges a foreign transaction fee, you will be charged a fee every time you make a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant. So, if you’re travelling a lot, make sure to get a Mastercard that doesn’t charge this fee.

Best Mastercard Credit Cards with No Foreign Transaction Fee

Overall: Citi Premier® CardCiti Premier® CardLearn MoreLearn Moreon issuer's website
Ongoing Rewards: Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit CardLearn MoreLearn More
Secured: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn More
Business: Bank of America® Business Advantage Travel Rewards World Mastercard® credit cardBank of America® Business Advantage Travel Rewards World Mastercard® credit cardLearn MoreLearn Moreon issuer's website

It’s also worth noting that Mastercard foreign transaction fees and Visa foreign transaction fees are pretty much the same. Some cards charge as much as 3%. Others don’t charge a dime. Also, like Mastercard, Visa is accepted in 200+ countries and territories.

The best approach is to compare no foreign transaction fee credit cards on both the Visa and Mastercard networks. Check your credit score to see which ones you could get approved for. Then, find the card with the best collection of rewards, rates, and fees for your needs. If you’re approved, you’ll save up to 3% on each foreign transaction.

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Answer 1 · 2021-09-13 08:59:55

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Maria Adams, Credit Cards Moderator

@m_adams • 09/13/21 This answer was first published on 09/13/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The American Airlines Aviator Red Card charges 0% foreign transaction fees.

This means you won’t be charged extra on transactions processed outside of the United States, whether it’s a purchase at a physical location in a foreign country, or an online transaction through an internationally-based merchant.

@rcaspr

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The large print advert says "0% of each transaction in U.S. dollars." The small print in the credit card agreement, under "Transaction Fees" says "If you use your Card or Account for a Foreign Transaction, we will charge a Foreign Transaction Fee for each such transaction." That means you will pay a foreign transaction fee because almost every transaction outside the U.S. will not be "in U.S. dollars", as specified in the advert. Of course some merchants are able to offer conversion st the point of sale. But, that may come with a poor exchange rate or a fee built in.

Answer 2 · 2023-01-21

@rcaspr

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The large print advert says "0% of each transaction in U.S. dollars." The small print in the credit card agreement, under "Transaction Fees" says "If you use your Card or Account for a Foreign Transaction, we will charge a Foreign Transaction Fee for each such transaction." That means you will pay a foreign transaction fee because almost every transaction outside the U.S. will not be "in U.S. dollars", as specified in the advert. Of course some merchants are able to offer conversion st the point of sale. But, that may come with a poor exchange rate or a fee built in.

Answer 3 · 2023-01-21 19:27:24

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rcaspr, Member

@rcaspr • 01/21/23 This answer was first published on 01/21/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The large print advert says "0% of each transaction in U.S. dollars". The small print in the credit card agreement, under "Transaction Fees", says, "If you use your Card or Account for a Foreign Transaction, we will charge a Foreign Transaction Fee for each such transaction". So, I judge the advert to be deceptive, or at least misleading. Every transaction outside the U.S. will not be in U.S. dollars, as the advert specifies, unless the merchant is able to offer currency conversion on the card reader at the point of sale. That usually will be at a disadvantageous currency conversion rate, or have a built in fee.

How much is the AAdvantage Aviator Red foreign transaction fee?

Maria Adams, Credit Cards Moderator

rcaspr, Member

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