The Chase Freedom foreign transaction fee is 3%. That means a 3% surcharge gets added to the total amount of any Freedom card transaction processed in another country. Foreign transaction fees can apply when traveling abroad or shopping online from a foreign merchant. Like Chase Freedom, the card has a 3% foreign transaction fee. But not all Chase cards charge 3% internationally. Two of the most popular Chase credit cards with no foreign transaction fees are the Sapphire Preferred and Sapphire Reserve travel rewards cards. Chase Freedom foreign transaction fees and more:
Chase Freedom foreign transaction fee: 3%
Chase Freedom Unlimited foreign transaction fee: 3%
Chase Freedom’s other fees: $0 annual fee. 5% (min $5) balance transfer fee. 5% cash advance fee ($10 min). Late fee up to $39.
Chase Freedom Unlimited’s other fees: $0 annual fee. 5% (min $5) balance transfer fee. 5% cash advance fee ($10 min). Late fee up to $39.
Best Chase credit cards with no foreign transaction fee: Chase Sapphire Preferred and Sapphire Reserve
Despite the Chase Freedom foreign transaction fee, both the Freedom and the Freedom Unlimited cards provide plenty of value when used strictly for domestic transactions. Both offer a $200 bonus for spending $500 in purchases in the first 3 months. There’s also a 0% APR for 15 months on purchases.
Where the two cards differ is in their rewards structure. The Freedom offers 5% back on the first $1,500 spent per quarter in rotating spending categories. In the past, that has included gas, restaurants, Amazon.com purchases and more. The card also offers 1% cash back on all other purchases. The Freedom Unlimited card offers a flat 1.5% cash back on all purchases. Both offer 5% back on groceries for the first year, on up to $12,000 spent.
Unfortunately, Chase Freedom may no longer be available to new applicants.