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Fees & Charges, in plain language
Annual, late, foreign-transaction and other fees to watch.
What to know
- Annual fees buy perks on some premium cards
- Late fees hit when you miss the due date
- Foreign-transaction fees apply to purchases abroad
- Many travel cards waive foreign-transaction fees
Watch out: A rewards rate can be wiped out by fees — read the schedule before you apply.
Key terms
Annual feeA yearly charge to hold the card.
Foreign transaction feeA surcharge on purchases in another currency.
Late feeA charge for paying after the due date.
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