MBNA* charges additional fees to those already charged by Visa or MasterCard for making purchases in foreign countries. Click here for more information about the fees collected by some credit card companies for making international purchases. MBNA also charges the same fee below for making purchases in foreign countries that are already in US dollars.

MBNA* International Foreign Currency Conversion Fee Breakdown:

1% — Standard Rate Charged by Visa or MasterCard +
2% — Additional Rate Charged by MBNA +
0-5% — Optional “Dynamic Currency Conversion” Fee** Added by Some Merchants =
3-8% — Total Fee Charged

To determine the approximate fee you’ll be charged for making an international purchase take the total value of your foreign purchase and multiply it by the U.S. Dollar exchange rate. Take this figure and multiply it by the total transaction fee listed above. The final amount is what you will pay MBNA, Visa/MasterCard, or merchant respectively for using this card internationally.

Special Offers from credit cards with LOW foreign transaction fees.
See chart of international conversion fees charged by other major credit card issuers.

*Important Notice: MBNA has merged with Bank of America. Foreign transaction fee structure is unlikely to change since Bank of America has the same currecny conversion fee structure that MBNA durrently does.
**Visa and MasterCard are susceptible to “dynamic currency conversion” (DCC) fees charged by some international merchants which can add 3% or more to the total purchase. AmericanExpress cards cannot have “dynamic currency fees” added. The usual DCC fee added is between 3-5% but varies from merchant to merchant. Some merchants will not add DCC fees.