🌍 攻略 · 2 分钟Guide · 2 min

怎么判断一张卡免不免"境外交易费"How to Find a Card With No Foreign Transaction Fee

境外交易费差几个百分点,一年下来不少钱。3 步查清你的卡收不收,再配一套最省的组合。A few points of foreign transaction fee add up over a year. Check your own card in 3 steps, then build the cheapest combo.

1. 去哪查1. Where to check

卡的权益/费用说明(Terms & Fees)里搜关键词:"境外交易费""货币转换费""foreign transaction fee"。Search the card's Terms & Fees for "foreign transaction fee" / "currency conversion fee".
直接问发卡行客服:"境外非本币消费收不收费,收多少?"Ask the issuer directly: "Is there a fee on foreign-currency purchases, and how much?"

2. 看这几个数字2. Numbers to look for

境外交易费:0% 最好,常见 1%~3%。Foreign transaction fee: 0% is best; 1%–3% is common.
货币转换费:是否走美元中转产生;银联通道通常免。Currency conversion fee: incurred if routed via USD; UnionPay usually waives it.
取现费/利息:如果你会取现要一并看。Cash advance fee/interest: check if you'll withdraw cash.

3. 组合最优解3. The optimal combo

一张免境外交易费的卡 + 一张银联卡,基本覆盖大多数场景:非美元地区走银联省货转费,其他走免费卡。A no-FTF card plus a UnionPay card covers most cases: UnionPay in non-USD regions to skip the conversion fee, the no-fee card elsewhere.

验证:拿到卡的费率后,用 CardAbroad 计算器填进去,直接看不同卡在同一笔消费上差多少。Verify: plug your card's fees into the CardAbroad calculator to see how much cards differ on the same purchase.

→ 打开计算器→ Open the calculator