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#428384 - 01/19/12 08:07 AM Using a credit card/foreign conversion fees  
Joined: Sep 2011
Posts: 39
jigzmom Offline
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jigzmom  Offline
When using a credit card in Belize, at a restaurant, grocery store or any shop that accepts credit cards, is the card charged in $US or $BZ? Can I request it be charged in $US? Just wondering which of my major credit cards to bring, as one charges a foreign conversion fee (MasterCard) and one does not (Visa). Thanks!

#428398 - 01/19/12 08:53 AM Re: Using a credit card/foreign conversion fees [Re: jigzmom]  
Joined: Aug 2011
Posts: 20
Sunnylady Offline
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Sunnylady  Offline
Our VISA has a 3% "foreign transaction fee" -- doesn't matter if it is charged in US $or not. When not using cash we use our debit card which has a 1% transaction fee so still a charge but less.

#428400 - 01/19/12 08:54 AM Re: Using a credit card/foreign conversion fees [Re: jigzmom]  
Joined: May 2011
Posts: 1,520
Bear Offline
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Bear  Offline
No. The merchant charges in Bz and its converted (for a fee) by the originating bank in the US. Use your Visa.

#428446 - 01/19/12 05:22 PM Re: Using a credit card/foreign conversion fees [Re: Bear]  
Joined: Jan 2008
Posts: 609
Tim Callanan Offline
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Tim Callanan  Offline
Bear is right, use your Visa.Also try to find the cheapest ATM,you will need some cash. I think Scotia Bank has cheapest fee not sure......Anyone know???

#428449 - 01/19/12 05:50 PM Re: Using a credit card/foreign conversion fees [Re: jigzmom]  
Joined: Jan 2012
Posts: 133
tahunt Offline
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tahunt  Offline
Use your Visa. Mastercard always charges me a 3% fee. Visa charges me 3% or $3.00, whichever is cheaper. Then again cash is your best friend!

#428450 - 01/19/12 06:12 PM Re: Using a credit card/foreign conversion fees [Re: jigzmom]  
Joined: Feb 2010
Posts: 35
Marymo Offline
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Marymo  Offline
American Express doesn't charge any foreign transaction fees. We use AMEX any where we can and pay cash for everything else.

#428451 - 01/19/12 06:12 PM Re: Using a credit card/foreign conversion fees [Re: jigzmom]  
Joined: Oct 2010
Posts: 143
joey2angels Offline
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joey2angels  Offline
All my cards charged, Visa, American Exp., MasterCard until last year when I did some research and found Capital One MasterCard...no fees no charges and 1% payback when purchasing international.

#428452 - 01/19/12 06:14 PM Re: Using a credit card/foreign conversion fees [Re: Marymo]  
Joined: Oct 2010
Posts: 143
joey2angels Offline
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joey2angels  Offline
MaryMo....I find it hard to believe that American EXp doesn't
charge you exchange fees....better check your statement.
Is yout card registered in the US?

#428453 - 01/19/12 06:29 PM Re: Using a credit card/foreign conversion fees [Re: jigzmom]  
Joined: Apr 2000
Posts: 3,054
Lan Sluder/Belize First Offline
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Lan Sluder/Belize First  Offline
It's true -- the Amex Platinum and Centurian cards have no foreign exchange fees. Of course the Platinum annual fee is US$450.

#428454 - 01/19/12 06:48 PM Re: Using a credit card/foreign conversion fees [Re: jigzmom]  
Joined: Sep 2011
Posts: 39
jigzmom Offline
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jigzmom  Offline
We also have an American Express but it is a Costco TrueEarnings card. They charge 2.7% fee. Our credit union debit card charges 2%. And... I double-checked the Visa (Chase/Amazon) again and what do you know? They are now charging 3%. One more card to check, hubby's company Citibank card. Really don't like to carry a lot of cash so we may be using the debit card.

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