What To Know
- In this blog post, we’ll delve into the details of foreign transaction fees and provide a comprehensive guide to the Delta SkyMiles card’s policy on this matter.
- While the Delta SkyMiles card does charge a foreign transaction fee on most of its cards, there are ways to avoid this fee.
- No, Delta SkyMiles cards do not offer a way to waive the foreign transaction fee on cards that charge it.
Navigating the world of credit cards can be a daunting task, especially when it comes to understanding fees. One common question that arises is whether the Delta SkyMiles card charges a foreign transaction fee. In this blog post, we’ll delve into the details of foreign transaction fees and provide a comprehensive guide to the Delta SkyMiles card’s policy on this matter.
Foreign Transaction Fee: A Global Concern
When using a credit card abroad, you may encounter a foreign transaction fee. This fee is typically a percentage of the transaction amount and is charged by the card issuer to cover the cost of currency conversion and other processing expenses.
Delta SkyMiles Card: Foreign Transaction Fee Policy
The Delta SkyMiles card comes in various types, each with its own set of features and fees. Here’s a breakdown of the foreign transaction fee policies for each card type:
1. Delta SkyMiles® Blue American Express Card
- Foreign Transaction Fee: 2.7%
2. Delta SkyMiles® Gold American Express Card
- Foreign Transaction Fee: 2.7%
3. Delta SkyMiles® Platinum American Express Card
- Foreign Transaction Fee: 2.7%
4. Delta SkyMiles® Reserve American Express Card
- Foreign Transaction Fee: 0%
5. Delta SkyMiles® Reserve Business American Express Card
- Foreign Transaction Fee: 0%
As you can see, all Delta SkyMiles cards except the Reserve and Reserve Business cards charge a foreign transaction fee of 2.7%. This fee is applied to all transactions made in a currency other than US dollars.
Avoiding Foreign Transaction Fees
While the Delta SkyMiles card does charge a foreign transaction fee on most of its cards, there are ways to avoid this fee:
- Use a card with no foreign transaction fee: The Delta SkyMiles Reserve and Reserve Business cards offer the advantage of no foreign transaction fees.
- Use a currency exchange service: Consider using a currency exchange service to convert your currency before making a purchase. This can often result in a better exchange rate and no foreign transaction fee.
- Pay in local currency: If possible, pay for goods and services in the local currency to avoid the foreign transaction fee.
Additional Benefits of Delta SkyMiles Cards
In addition to the foreign transaction fee consideration, it’s important to note the other benefits that Delta SkyMiles cards offer:
- Earn SkyMiles: All Delta SkyMiles cards allow you to earn SkyMiles on every purchase, which can be redeemed for flights, upgrades, and other rewards.
- Priority Boarding: Most Delta SkyMiles cards offer priority boarding, allowing you to board the plane sooner.
- Checked Baggage Fees: Some Delta SkyMiles cards offer free checked baggage, saving you money on checked bag fees.
- Lounge Access: The Delta SkyMiles Reserve and Reserve Business cards offer access to Delta Sky Clubs and other airport lounges.
Wrap-Up: Making an Informed Decision
When choosing a Delta SkyMiles card, it’s crucial to consider the foreign transaction fee policy and factor it into your decision-making process. If you frequently travel abroad, the Reserve or Reserve Business cards may be a better option due to their no foreign transaction fee. However, if you don’t travel internationally often, the Blue, Gold, or Platinum cards may be more suitable.
Frequently Asked Questions
1. How can I check if my Delta SkyMiles card has a foreign transaction fee?
Refer to the card’s terms and conditions or contact Delta customer service.
2. Is there a way to waive the foreign transaction fee?
No, Delta SkyMiles cards do not offer a way to waive the foreign transaction fee on cards that charge it.
3. What is the best way to avoid foreign transaction fees?
Use a card with no foreign transaction fee, use a currency exchange service, or pay in local currency.
4. Are there any other fees associated with Delta SkyMiles cards?
Yes, there may be annual fees, late payment fees, and other fees associated with Delta SkyMiles cards.
5. How do I earn SkyMiles with Delta SkyMiles cards?
Earn SkyMiles on every purchase made with the card.
