The PNC foreign transaction fee is 3% of the purchase amount when you buy something in a foreign country or from a merchant based outside the U.S. Most PNC cards have this 3% foreign fee. But there are three exceptions that don’t charge foreign fees: the PNC Premier Traveler Visa Signature Card, the PNC Travel Rewards Visa Business Card, and the PNC Business Options Visa Signature Card. You can only get the last two options if you own a small business, but anyone can get the Premier Traveler Card.
Here are the credit cards from PNC with no foreign transaction fee:
PNC Premier Traveler Visa Signature Credit Card: There’s no foreign transaction fee. The annual fee is $0 for the first year and $85 after that. You get 30,000 bonus miles for spending $3,000 in the first 3 months. You also earn 2 miles for every $1 you spend.
PNC Travel Rewards Visa Business Credit Card: No foreign transaction fee or annual fee. You get 2 miles for each of the first $2,500 you spend after opening your account, and 1 mile per $1 after that.
PNC Business Options Visa Signature Credit Card: There’s no foreign transaction fee. There’s no annual fee the first year, either. But after your first year, your annual fee will depend on how much you spent in the last 12 months. You’ll have to pay $500 if you spent less than $50K, $250 if you spent between $50K and $75K, $125 if you spent between $75K and $100K and $0 if you spent at least $100K. You can also choose one of three rewards programs: 1 mile per $1, 5 PNC points per $1, or 1%+ cash back.
There are a several ways to avoid PNC foreign transaction fees. One is by getting the right PNC credit card. But your options are limited that way. So you might want to consider getting a no foreign transaction fee credit card from another bank or credit union. That way, you’ll have a broad selection to choose from. Some of the best offers include the Capital One Venture and Chase Sapphire Preferred cards, which both offer a hefty bonus and charge just $10 more per year than the PNC Premier Traveler card.
It's the standard 3%. Not all cards have it though, especially the travel one (for obvious reasons). If I were you, I'd go for that one, especially since it doesn't have an annual fee either, at least for the first year.
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