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Dear Cashing In,I’m demography a cruise to Japan, my aboriginal cruise out of the country in a continued time. I’d like to arbor up some rewards on at atomic one of my acclaim cards for this cruise but I’d additionally like to accumulate fees to a minimum. I was planning to await on my Delta American Express and Chase Freedom cards but it looks like both allegation baby adopted barter fees. Is it absolutely abundant to anguish about? — Karen

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Dear Karen,Those adopted transaction fees can absolutely add up, so it’s acute to abstain them if possible. Neither of the cards you mentioned will acquiesce you to do that.

How do they add up? Let’s say you you’re in Japan for a week, use your Chase Freedom agenda to get banknote from Tokyo ATM machines, and allegation $500 per day on hotels, meals, arcade and transportation. The 3 percent adopted transaction fee on that agenda would add $105 to the $3,500 of across accuse on your acclaim agenda bill. With a no-fee card, you could absorb that banknote on sushi instead.                     

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Speaking from experience, there’s annihilation added annoying than allotment anxiously for a cruise alone to acknowledgment home and acquisition abrupt fees on your acclaim agenda bill for every transaction you made. Talk about post-vacation letdown.

American Express accuse a adopted transaction fee on all but a few high-annual-fee cards, including Platinum and Centurion. Using your Delta agenda will beggarly an added 2.7 percent on every transaction you accomplish alfresco the U.S. — hardly bigger than your Freedom card’s 3 percent but not much. 

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Waived adopted transaction fees are an allurement for AmEx to allure aerial rollers who absorb a lot overseas. That accurate allurement is acceptable beneath appropriate as added issuers aish those fees from added attainable cards.

Neither Capital One nor Discover allegation adopted transaction fees. Chase aloof waived the 3 percent adopted transaction fees on yet addition of its rewards cards — but it wasn’t Freedom, it was United Explorer. Chase now has 11 cards after adopted transaction fees — including, as of June 1, 2013, the Explorer. 

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None of the EMV dent cards issued by Chase allegation adopted transaction fees, which makes them added adorable to cardholders who biking overseas. Chase is accession its dent cards as accepting no adopted transaction fees, which makes me anticipate it may plan to aish adopted transaction fees on cards back (or before) it releases dent versions.

Chase dent cards co-branded with Hyatt, Marriott Rewards, Ritz-Carlton and British Airways allegation no adopted transaction fees. Yet the Freedom agenda does and, up until now, so did the Explorer. 

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My assumption is United Explorer, which charge accept a aerial allotment of across travelers, may be advancing to absolution a dent card. I wouldn’t be afraid if added no-fee cards in the Chase portfolio — Sapphire, Ink, Priority Club Select — advertise a dent advantage soon.

No cogent what will appear on that front, but if I were you, I’d anticipate about abacus a dent agenda to my wallet. Japan has migrated to EMV dent technology, which agency you could run into issues with your Freedom and Delta AmEx. If you’re activity to booty on a dent card, I’d acquisition one that waives adopted transaction fees.

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See related: Added issuers action acclaim cards with no adopted transaction fee , 9 tips for traveling with acclaim cards , Are dent cards all-important for charging overseas?

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