{
  "id": "banking/canada-credit-card-foreign-transaction-fee",
  "signature": "AI tells a traveler to Canada that their Canadian-issued credit card has no foreign transaction fees because it's a 'Gold' card, but Gold cards from major banks (RBC, TD, BMO) still charge 2.5%",
  "signature_zh": "AI告诉前往加拿大的旅行者，他们的加拿大发行的信用卡因为是'金卡'所以没有外币交易费，但主要银行（RBC、TD、BMO）的金卡仍收取2.5%的费用",
  "regex": "foreign transaction fee.*gold|2.5%.*Canada.*credit card|no foreign fee.*gold.*Canada",
  "domain": "banking",
  "category": "config_error",
  "subcategory": null,
  "root_cause": "In Canada, foreign transaction fees (typically 2.5%) are not waived on standard Gold cards; only premium travel cards (e.g., RBC Avion Visa Infinite, TD First Class Travel Visa Infinite) offer no-fee foreign transactions. Gold cards are mid-tier and still charge the fee.",
  "root_cause_type": "generic",
  "root_cause_zh": "在加拿大，外币交易费（通常为2.5%）不会在标准金卡上免除；只有高级旅行卡（例如RBC Avion Visa Infinite、TD First Class Travel Visa Infinite）提供免外币交易费。金卡属于中档卡，仍会收取费用。",
  "versions": [
    {
      "version": "RBC Gold Rewards Card Terms 2024",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "TD Gold Elite Card Terms 2024",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "BMO Gold CashBack Card Terms 2024",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "",
      "why_fails": "Calling the bank to request a fee waiver on the Gold card; Canadian banks rarely waive FX fees on mid-tier cards, and customer service will confirm the 2.5% fee is mandatory.",
      "fail_rate": 0.8,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "Using a debit card instead of credit card, assuming no FX fee; Canadian debit cards (e.g., RBC, TD) also charge 2.5-3% on foreign ATM withdrawals and point-of-sale transactions.",
      "fail_rate": 0.6,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Before traveling, apply for a no-foreign-transaction-fee card like the 'Scotiabank Passport Visa Infinite' (no annual fee first year) or 'Home Trust Visa' (no annual fee, 0% FX fee); check pre-approval online at the bank's website.",
      "success_rate": 0.9,
      "how": "Before traveling, apply for a no-foreign-transaction-fee card like the 'Scotiabank Passport Visa Infinite' (no annual fee first year) or 'Home Trust Visa' (no annual fee, 0% FX fee); check pre-approval online at the bank's website.",
      "condition": "",
      "sources": []
    },
    {
      "action": "If already holding a Gold card, use a prepaid travel card like 'Wise' or 'Wealthsimple Cash' to load CAD and spend in foreign currencies at the mid-market rate, avoiding the 2.5% fee entirely.",
      "success_rate": 0.85,
      "how": "If already holding a Gold card, use a prepaid travel card like 'Wise' or 'Wealthsimple Cash' to load CAD and spend in foreign currencies at the mid-market rate, avoiding the 2.5% fee entirely.",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "Before traveling, apply for a no-foreign-transaction-fee card like the 'Scotiabank Passport Visa Infinite' (no annual fee first year) or 'Home Trust Visa' (no annual fee, 0% FX fee); check pre-approval online at the bank's website.",
    "If already holding a Gold card, use a prepaid travel card like 'Wise' or 'Wealthsimple Cash' to load CAD and spend in foreign currencies at the mid-market rate, avoiding the 2.5% fee entirely."
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.rbcroyalbank.com/credit-cards/travel/avion-visa-infinite.html",
  "official_doc_section": null,
  "error_code": "FX_FEE_GOLD_CARD",
  "verification_tier": "ai_generated",
  "confidence": 0.89,
  "fix_success_rate": 0.85,
  "resolvable": "true",
  "first_seen": "2024-05-10",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}