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Given that 99% of Canadian credit cards charge this fee, it may surprise you that a few cards use to exist that charged absolutely nothing in foreign exchange fees other than the small spread the bank itself pays.
Just when we were all starting to lose hope, Scotiabank has stepped in to offer Canadians a premium travel rewards card with flexible rewards, a solid insurance package, and some really fun travel benefits ‒ with the new Scotiabank Passport Visa Infinite Card.
For a credit card with no annual fee, this is basically unheard of. This card has no annual fee, no foreign exchange fee and no limits on the amount of rewards you can earn!
Bank’s typically charge 3%, or more, to convert your money in person and the rate for doing it online are usually about the same unless you are converting large sums of cash.
If you want to convert any leftover cash after your trip is over, now you’re paying that 3% a second time.
As far as no fee cash back credit cards go, this card is a rocket.
Some premium high-fee cash back credit cards struggle to offer a flat 1.25% cash back return with no caps or limits, yet the Rogers Platinum Mastercard just comes right out and does it. On top of that, cardholders get a 1.75% boost in rewards (3% total) when making purchases in a foreign currency.How much is a typical Canadian credit card foreign transaction fee?It’s almost universally 2.5%, plus a small spread that the bank itself has to pay and passes on to you the consumer. With most cash back credit cards paying only 1% in rewards, that 3% is eating up all of your rewards and then some!There are no frills with this card, but it does have no annual fee unless you choose to reduce your interest rate to 14.90% by paying an extra per year – but that’s completely optional.