0% foreign-exchange markup, anywhere in the world
With the ACK card you pay the network’s wholesale exchange rate. ACK adds nothing. Spend in any country, in any currency. Use it anywhere Visa or Mastercard is accepted — tap the contactless card, or pay with Apple Pay, Google Wallet or Samsung Wallet.
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Looking for a debit card with no foreign transaction fee?
Standard Chase and Bank of America debit cards charge 3% every time you pay in a foreign currency (Chase and Bank of America fee schedules, 2026). That’s $90 on a $3,000 trip — just for paying in the local currency. ACK adds 0%.
Sources: Chase Additional Banking Services and Fees (effective June 14, 2026) · Bank of America Personal Schedule of Fees.
Work out your own number in the FX markup calculator, or check today’s rate in the currency converter.
What is an FX markup?
An FX markup is the extra percentage a card provider adds on top of the exchange rate when you pay in another currency.
Questions
Can I use it in the US and abroad?
Yes. In the US and anywhere in the world, in any currency. You pay the network’s wholesale exchange rate; ACK adds no markup.
Can I use ATMs?
Yes, any ATM in the world. ACK adds no markup. The ATM owner may charge its own fee.