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How likely would you be airport as you can easily.
This thread is closed to new comments. How credit card exchange rates work in Canada To further complicate things, the three major credit card providers: Visa, Mastercard and American Express, each have their own exchange rates. It only started to be worthwhile for me to think about optimizing foreign transaction fees when I was going abroad multiple times a year and making some large purchases in foreign currencies. Be a Canadian citizen permanent resident, recently arrived international student, or temporary resident worker.