Will you pay international transaction charges in U.S. territories?

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Signing up for bank cards by associate hyperlinks earns us a fee. Phrases apply to the gives listed on this web page. Right here’s our full promoting coverage.

Digging into the principles surrounding rewards bank cards is what we do. We do the work so that you don’t should.

We get numerous questions concerning which card to make use of for explicit conditions – probably the most frequent being about the most effective playing cards to make use of overseas to keep away from transaction charges. So that you could be questioning: “Will utilizing a bank card that prices international transaction charges in U.S. territories like Puerto Rico incur charges? ”

Briefly, purchases made in Puerto Rico (and different U.S. territories like American Samoa, Guam, Northern Mariana Islands, or the U.S. Virgin Islands) are usually not thought of international transactions.

Banks gained't cost international transaction charges for purchases made in these areas. And in reality, the official forex of all U.S. territories is the U.S. greenback. So once more, prices made in U.S. {dollars} in any U.S. territory is not going to incur international transaction charges.

If in case you have bank cards issued by smaller banks or a credit score union, it might be price calling the quantity on the again of your card to verify their insurance policies earlier than you journey. However in relation to the most effective bank cards for journey, you gained’t have to fret about incurring any additional charges.

And keep in mind, to keep away from being charged additional while you journey exterior of the U.S. and its territories, use a card that doesn’t cost international transaction charges. And ideally one which earns bonus miles and factors for journey, just like the Chase Sapphire Most well-liked® Card or Chase Sapphire Reserve®.

Featured picture by Songquan Deng / Shutterstock.

Editorial be aware: We're the Million Mile Secrets and techniques staff. And we're happy with our content material, opinions and evaluation, and of our reader's feedback. These haven’t been reviewed, authorized or endorsed by any of the airways, lodges, or bank card issuers which we regularly write about. And that's simply how we prefer it! 🙂