FX markup calculator
Enter what you spend abroad and your card’s foreign-exchange markup. See what it costs you — and what you’d pay with the ACK card.
Last updated:
Your card’s markup$90
ACK’s markup$0
You’d keep$90
ACK’s markup: $0 — you pay the network’s wholesale rate.
Standard Chase and Bank of America debit cards charge 3% every time you pay in a foreign currency (fee schedules, 2026). ACK adds 0%.
Sources: Chase Additional Banking Services and Fees · Bank of America Personal Schedule of Fees.
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. 0% FX markup with the ACK card
What 3% costs
| Spending abroad | At a 3% markup | With the ACK card |
|---|---|---|
| $500 | $15 | $0 |
| $1,000 | $30 | $0 |
| $3,000 | $90 | $0 |
| $5,000 | $150 | $0 |
Questions
How much is a 3% foreign transaction fee on $1,000?
$30. On $3,000 it’s $90.
Does the ACK card charge a foreign transaction fee?
No. The ACK card has 0% foreign-exchange markup: you pay the network’s wholesale rate, and ACK adds nothing.