The Chase Freedom Unlimited foreign transaction fee is 3% of the transaction amount, after it has been converted to U.S. dollars. So if you spend $100 at a merchant based in a foreign country, you'll end up owing $103. The Chase Freedom Unlimited foreign transaction fee applies to transactions made both in person and online.

Chase foreign transaction fees are either 3% or $0, depending on the card. Chase has more than a dozen no foreign transaction fee credit cards, including Sapphire Preferred, Sapphire Reserve, and the Southwest and United cards.

Chase Freedom Unlimited foreign transaction fee info:

Chase Freedom Unlimited foreign transaction fee: 3% of each purchase processed internationally.
When it applies: Whenever you buy something from a foreign-based merchant, in person or online.
Currency: Freedom Unlimited's foreign fee applies to international purchase amounts after they have been converted to U.S. dollars.
Freedom Unlimited vs other Chase cards: Freedom Unlimited is one of 10 Chase credit cards with a 3% foreign transaction fee. 16 Chase credit cards have no foreign fee.

If you plan on spending a lot of money at foreign merchants, the Chase Freedom Unlimited foreign transaction fee can really add up quickly. So you're better off using Freedom Unlimited for your everyday purchases and getting a second card with no foreign transaction fee for your foreign purchases.

The best Chase card with no foreign transaction fee is Sapphire Preferred. It gives an initial bonus worth $625 toward travel when you spend $4,000 in the first 3 months. Plus, you get 2 points per $1 on travel and dining and 1 on everything else. Sapphire Preferred costs $95 per year, but waives the fee for the first year.

The best no foreign transaction fee card from another issuer is Capital One Venture, which gives 50,000 miles when you spend $3,000 in the first 3 months, plus 2 miles per $1 on all purchases. Venture has a $95 annual fee, waived for the first year. Several credit card issuers, such as Capital One and Discover, do away with foreign transaction fees altogether.