USAA Credit Card Overseas - OCONUS (Over Seas)

Shaky · 10-20-2009, 11:37 PM

Has anyone use USAA CC in a different country?
USAA told me that if I use my CC in a different country there is an extra charge of up to 1% of the total purchase.
Anyone knows if this is true? The lady I was talking to didn't sound too convinced and for some reason I don't remember getting any extra charges last time I visited a different country but that was some years ago.

Now moving to a different country that will really suck. We pay everything with our CC and then pay it of right away and if this is true we will have to change how we do things.

sharine25 · 10-21-2009, 12:08 AM

I never had any extra charge on my usaa credit card. And I have used it in Australia, Malaysia, and Europe.

USAF_Gal · 10-21-2009, 01:04 AM

Yes it is true. It is called a foreign transaction charge and it isn't really from USAA it is from Mastercard and Visa. USAA was exempt from it for a while, they just started having to charge the foreign transaction fee about 1.5 - 2 years ago.

USAF_Gal · 10-21-2009, 01:06 AM

Originally Posted by sharine25

I never had any extra charge on my usaa credit card. And I have used it in Australia, Malaysia, and Europe.

It doesn't show up as an extra charge. When you use your card, if you look below the actual charge, in parentheses but still on the same line, it will tell you the exchange rate you got and it will also read "includes foreign transaction charge" and then the amount. The foreign transaction charge amount is included in the actual charge. Did that make sense?

ProudArmyWifeD · 10-21-2009, 01:51 AM

If you charge things on post, you do not get charged the foreign transaction fee. Not sure if that helps, or not, though.

I believe that USAA's credit card charges one of the lowest foreign transaction fees though.

amandakunis · 10-21-2009, 02:32 AM

As the OP said...No fee when used on post, only off post and it is lower than any other credit card company out there!

CptWife316 · 10-21-2009, 03:21 AM

Originally Posted by amandakunis

As the OP said...No fee when used on post, only off post and it is lower than any other credit card company out there!

This is true!

USAF_Gal · 10-21-2009, 03:29 AM

Originally Posted by ProudArmyWifeD

If you charge things on post, you do not get charged the foreign transaction fee. Not sure if that helps, or not, though.

I never even thought to mention that since 95% of my shopping is done off base.

miamoa2002 · 10-21-2009, 05:12 AM

It is actually 3%. I asked them and they didn't disclose this very easily buy finally said they charge 3%, eventhough visa/mastercards foreign charge is only 1%

USAF_Gal · 10-21-2009, 07:40 AM

I just looked at my USAA account and I am only being charged 1%.

10-20-2009, 11:37 PM	#1 (permalink)
Shaky Miss Puerto Rico Join Date: Mar 2004 Location: FL Posts: 27,985 Classifieds: (0) Activity: 78% Longevity: 97%	USAA Credit Card Overseas Has anyone use USAA CC in a different country? USAA told me that if I use my CC in a different country there is an extra charge of up to 1% of the total purchase. Anyone knows if this is true? The lady I was talking to didn't sound too convinced and for some reason I don't remember getting any extra charges last time I visited a different country but that was some years ago. Now moving to a different country that will really suck. We pay everything with our CC and then pay it of right away and if this is true we will have to change how we do things.

10-21-2009, 12:08 AM	#2 (permalink)
sharine25 Say what... Join Date: Mar 2007 Location: Missouri Posts: 5,004 Classifieds: (0) Activity: 37% Longevity: 46%	I never had any extra charge on my usaa credit card. And I have used it in Australia, Malaysia, and Europe. __________________ ~Partylite Consultant~ 4-DAY CYBER SALE!!! Up to 80% off!!! November 27-30, 2009 Visit my website www.partylite.biz/sites/sharina

10-21-2009, 01:04 AM	#3 (permalink)
USAF_Gal Senior Member Join Date: Aug 2006 Location: RAF Lakenheath Posts: 916 Classifieds: (0) Activity: 19% Longevity: 56%	Yes it is true. It is called a foreign transaction charge and it isn't really from USAA it is from Mastercard and Visa. USAA was exempt from it for a while, they just started having to charge the foreign transaction fee about 1.5 - 2 years ago. __________________

10-21-2009, 01:51 AM	#5 (permalink)
ProudArmyWifeD Senior Member Join Date: Jan 2008 Location: Neither here nor there Posts: 2,688 Classifieds: (0) Activity: 43% Longevity: 31%	If you charge things on post, you do not get charged the foreign transaction fee. Not sure if that helps, or not, though. I believe that USAA's credit card charges one of the lowest foreign transaction fees though. __________________

10-21-2009, 07:40 AM	#10 (permalink)
USAF_Gal Senior Member Join Date: Aug 2006 Location: RAF Lakenheath Posts: 916 Classifieds: (0) Activity: 19% Longevity: 56%	I just looked at my USAA account and I am only being charged 1%. __________________

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10-21-2009, 02:32 AM	#6 (permalink)
amandakunis Army Wife Join Date: Jul 2008 Location: Korea Posts: 254 Classifieds: (0) Activity: 21% Longevity: 22%	As the OP said...No fee when used on post, only off post and it is lower than any other credit card company out there!

10-21-2009, 05:12 AM	#9 (permalink)
miamoa2002 MilitarySOS Jewel Join Date: Aug 2008 Posts: 3,085 Classifieds: (2) Activity: 40% Longevity: 21%	It is actually 3%. I asked them and they didn't disclose this very easily buy finally said they charge 3%, eventhough visa/mastercards foreign charge is only 1%