Foreign transaction fee on WF Propel?

[Anonymous]

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@MidnightKnight wrote:

I just pulled up a page about the Propel, it says "No Foreign currency conversion fee/ Foreign Transaction fee."  Seems like they use it interchangeably.   Also as a side note, I've constantly read or heard that Mastercard has the best exchange rate most of the time so if you had a MasterCard with no foreign transaction fee I would use that one instead if it has better rewards.

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Now I'm confused!   I get FTF, but I thought foreign currency conversion was a function of selecting DCC and had nothing to do with the card (the merchant uses a highly unfavorable exchange rate  and charges the card in $).   Do some cards add on an extra fee for that (which seems odd, as the charge is in dollars so nothing to convert!)

[UncleB]

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@Anonymous wrote:

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@MidnightKnight wrote:

I just pulled up a page about the Propel, it says "No Foreign currency conversion fee/ Foreign Transaction fee."  Seems like they use it interchangeably.   Also as a side note, I've constantly read or heard that Mastercard has the best exchange rate most of the time so if you had a MasterCard with no foreign transaction fee I would use that one instead if it has better rewards.

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Now I'm confused!   I get FTF, but I thought foreign currency conversion was a function of selecting DCC and had nothing to do with the card (the merchant uses a highly unfavorable exchange rate  and charges the card in $).   Do some cards add on an extra fee for that (which seems odd, as the charge is in dollars so nothing to convert!)

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I'm speaking a bit out of my element, but doesn't American Express disallow DCC at the network level?

If so, that would make this this a moot point for the Propel.

[Anonymous]

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@Gmood1 wrote:
I used my Propel in Guatemala recently. Also used it with Uber down there once. There wasn't a fee for using it.
We used the USAA Limitless the most. Not a single issue using it outside of the country. Too bad this one isn't offered anymore. Truly one of the best credit cards on the planet IMHO.

Discover doesn't have a FTF either. Unfortunately, no one seems to accept it in that part of the world. lol

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We were able to use Discover It last time we were in CDMX, not everywhere, just some large chain restraurants (sanborns).

Discover used to be working better than others in China with UnionPay alliance, but I heard their new chip tech doesn't work with most POS terminals now.