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
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%
ID: banking/canada-credit-card-foreign-transaction-fee
版本兼容性
| 版本 | 状态 | 引入 | 弃用 | 备注 |
|---|---|---|---|---|
| RBC Gold Rewards Card Terms 2024 | active | — | — | — |
| TD Gold Elite Card Terms 2024 | active | — | — | — |
| BMO Gold CashBack Card Terms 2024 | active | — | — | — |
根因分析
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。
English
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.
官方文档
https://www.rbcroyalbank.com/credit-cards/travel/avion-visa-infinite.html解决方案
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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.
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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.
无效尝试
常见但无效的做法:
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80% 失败
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.
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60% 失败
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.