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Apply for a Credit Card With No Foreign Transaction Fees While most credit cards charge a foreign transaction fee while buying outside of Canada, there are credit cards that offer cardholders the ability to swipe without incurring a foreign transaction fee. By Barry Choi Contributor. If applying for a no-fee card is not an option, consider exchanging enough cash for the trip at a bank or credit union before leaving Canada. A credit card foreign transaction fee is charged when you use your credit card while abroad or when you make a purchase online in a foreign currency.