Karen Moroz, WalletHub Mortgage Analyst
@nycKaren
The American Express exchange rate varies on the type of currency conversion you select at the time of purchase. So, there’s a different Amex exchange rate between the U.S. dollar and approximately 80 other currencies, and they all fluctuate from day to day. Popular Amex currencies include the Canadian Dollar, the British Pound, the Euro, and the Mexican Peso.
What you should know about the American Express exchange rate:
- The Amex exchange rate is automatically applied to international purchases charged to Amex credit cards.
- American Express FX International Payments customers can access their accounts online to get the day’s exchange rates. These rates are not available to the public, but you can enroll for free if you have a U.S. business bank account. An American Express card is not needed.
- Exchange rates between the U.S. dollar and all other currencies fluctuate daily. But because American Express does not publish them openly, it’s difficult to track them. Visa and Mastercard on the other hand, publish their exchange rates continuously.
It’s also useful to know that if you make a foreign transaction using your checking account, debit card or prepaid card, the exchange rates are the same as those used for credit cards.

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