![]() During any calendar quarter in which you spend more than $1,500 combined at your two 6% retailers, you will earn 1.5% Cash Rewards for any additional spend at those retailers during that quarter. There are no limits on your 1.5% Cash Rewards earnings. You will earn 3% Cash back on your first $1,500 in net purchases in your chosen 3% category. You will earn 6% Cash back on your first $1,500 in combined net purchases at your two chosen 6% retailers. Allow up to 3 business days for registration to take effect before you will be eligible to earn 3% Cash Rewards and 6% Cash Rewards. You must enroll each quarter into two retailers and one purchase category of your choice, or all net purchases (purchases minus returns or credits) will earn no more than 1.5% Cash back. Find a financial advisor or wealth specialist.Use the local money exchange or an ATM if it is available in that country to get the local currency and use it whenever you can. You can avoid that if you make payment in the local currency. ![]() Most of the countries charge a small markup when you take payment in USD. Whenever possible, use the local currency. Prefer Make Payments in the Local Currency If you are in doubt about fees and other charges, check the back of your credit card statement to see the details. ![]() If you fail to make a monthly payment for your credit card, you will have to pay interest charges on your credit card payment. However, the ATM networks other than Discover network will charge a fee. Plus, you will pay the ATM provier’s fee.įor using Discover Debit Cards internationally, the ATM usage on Discover ATM is free. However, the international ATM fees are higher.įor using Discover Credit Cards on international ATMs, Discover charges either $10 or 5% of the transaction (whichever is higher). Check the table above to see if you can use your US Discover Credit Card in your destination country. You can take cash in your destination country using the linked ATM. Include the ATM fees for every time you use an international ATM. If they offer to make a deduction in USD from your card directly, also known as Dynamic Currency Conversion (DCC), decline their offer. When you buy something in the local currency, always get the local currency before you pay. Whichever card you use, you will pay for the exchange rate markups. You might be thinking “does Discover have foreign transaction fees”? The answer is yes. If the retailer processes Discover cards but does not process magnetic stripe cards, you can ask them to process your payment from the old, magnetic stripe card. You’ll need the PIN to make payments with your magnetic stripe credit card. You will need to keep your US Discover credit card PIN before you travel abroad. US Discover Chip Card vs Magnetic Stripe Cardĭiscover has replaced its magnetic strip cards with chip cards but if you still have the old-fashioned magnetic strip card, ask the retailer if they can process the magnetic stripe card. Many government offices may charge in US dollars or in the local currency but you can handle that when you get there. Most of the reputable hotels around the world accept Discover. You might have booked a hotel or paid for services already. Govt services, duties, or government fees.Retailers are neither compelled by law to offer Discover nor they need it to as other payment networks do the job.Įxample of Places where You will be Making Payments Discover has comparatively higher fees than MasterCard and Visa. ![]() Retailers and merchants pay a fee every time they take payment from your credit card. Plan ahead to avoid trouble during your trip. There will be many places abroad where your US Discover credit card will not be accepted. Though you might know the places where you will be making payments, writing them down as a list will help you see how you should plan about it.ĭiscover cards are not as popular as Visa or MasterCard. When you plan your next trip abroad or vacations, list the places where you will be making payments.
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