Originally Posted by
kramerican
Who exactly passes on the charge? Is it Citi or Amex? The reason I'm asking is, I have purchased another ticket for my wife on BA.com using my Amex Biz Gold (issued by Amex USA). Statement has not been printed yet. So, I can't say for sure whether there will be a charge or not. I don't think it will show up in online transactions either. Have to wait another 10 days to receive the monthly statement.
P.S. I'm very glad that I posted this topic here. Learnt a lot about charges for foreign transactions involving airlines. I will make sure to get a CC like Chase Sapphire preferred for foreign transactions. Still waiting for it to go 50K bonus points
I believe Amex as a card association does not impose foreign transaction fee. Only the card issuer does.
Every card association charges slightly differently in each country
(e.g. in HK only MC imposes an 0.8% charge
http://www.hongkongcard.com/forum/fo...ow.php?id=5987
in AU, both Visa and MC does this
http://www.nab.com.au/wps/wcm/connec...e/15/8/#sect3c)
But in both HK and AU, Amex (as a card association) does not impose charge.
I'm not sure about the US
But from the limited fee tables I can see
https://secure.cmax.americanexpress....s/BlueAECB.pdf
https://secure.cmax.americanexpress...._Agreement.pdf
I don't see Amex imposing foreign transaction fee for US cards
Only individual banks apply it as a bank-imposed fee
Edit 2 Sep: Amex does assess 2.7% fee on it's own cards for foreign transactions (whether currency conversion occurred or not) save for corporate and personal Platinum and Centurion.