Calculateur
Calculateur de frais de conversion de devises
See what the usual 2.5% fee costs on your travel and foreign online shopping, and which cards skip it.
Frais de conversion annuels
125,00 $
- Over 5 years
- 625 $
- Per $100 spent
- 2,50 $
- Avec une carte sans frais de conversion
- 0 $
A no-FX card with an annual fee under 125 $ pays for itself on foreign spending alone.
Cartes sans frais de conversion de devises
- Home Trust Preferred VisaHome TrustSaves $125/yrNo fee · break-even $0 abroad
- Scotiabank Gold American ExpressBanque ScotiaSaves $5/yr$120 fee · break-even $4,800 abroad
- Scotiabank Passport Visa Infinite +Banque ScotiaFee $25 more than FX savings$150 fee · break-even $6,000 abroad
- Wealthsimple Visa Infinite +WealthsimpleFee $115 more than FX savings$240 fee · break-even $9,600 abroad
- Wealthsimple Visa Infinite PrivilegeWealthsimpleFee $115 more than FX savings$240 fee · break-even $9,600 abroad
- Scotiabank Platinum American ExpressBanque ScotiaFee $274 more than FX savings$399 fee · break-even $15,960 abroad
- Rogers Red World Legend MastercardRogers BankFee $370 more than FX savings$495 fee · break-even $19,800 abroad
- BMO eclipse Visa Infinite PrivilegeBMOFee $474 more than FX savings$599 fee · break-even $23,960 abroad
Savings = FX fees avoided at your spending minus the card’s annual fee, before counting any rewards. Break-even is the foreign spending where the fee pays for itself.
Toutes les cartes sans frais de conversionQuestions fréquentes
What is a foreign transaction fee?
Most Canadian credit cards add about 2.5% to any purchase charged in a foreign currency, on top of the network exchange rate. It applies abroad and to online purchases from foreign merchants billed in USD or other currencies.
How much does a 2.5% FX fee cost?
On $5,000 of foreign spending it’s $125. On $10,000 it’s $250, every year you spend that much.
Which Canadian credit cards have no foreign transaction fees?
Cards in our catalogue with no FX fee include Home Trust Preferred Visa, Scotiabank Gold American Express, Scotiabank Passport Visa Infinite +, Wealthsimple Visa Infinite +, Wealthsimple Visa Infinite Privilege.
Is a no-FX card worth an annual fee?
If the FX fee you avoid is bigger than the card’s annual fee, yes, before counting any rewards. Divide the annual fee by 2.5% to get the foreign spending where it pays off.
Les estimations utilisent une approximation mensuelle : intérêts du mois = solde × taux annuel ÷ 12. Les relevés réels utilisent les soldes quotidiens, les délais de grâce et les règles de paiement de l’émetteur; les résultats peuvent donc différer. WalletReturn est indépendant. Vérifiez les conditions actuelles auprès de l’émetteur.