Tool

What foreign purchases cost on each card

Stated foreign-currency fees applied to your own foreign and USD-priced spending.

Short answer

At $300 a month of foreign-currency spending, a 3% FX fee costs $108 a year and a 2% fee costs $72. Shakepay charges 3%, 1.5% or 0% by monthly status; Crypto.com charges 2% on its free tier and less on paid tiers; MetaMask does not state a fee for its Virtual card. Enter your own amount.

Figures as of November 3, 2026.

Mitey the yeti pointing at a row of percentages — Mitey points at the FX column, the fee most people pay without noticing on USD subscriptions.

Foreign spending

Purchases in foreign currency each month ($ CAD equivalent)

FX fee on a card you already have (%)Check your cardholder agreement. Many Canadian cards charge a fee on foreign purchases.

Fee only. The exchange rate the network or platform applies can add a further cost that no fee line shows.
Card	Stated FX fee	Cost per year
Shakepay Card	3%	−$108.00
Crypto.com Visa	2%	−$72.00
MetaMask Card	not stated	—
A typical card with your own FX %	2.5%	−$90.00

A $2,500 trip on each card’s entry tier

A $2,500 trip on each card’s entry tier: inputs, steps and result
Foreign-currency spending on the trip	$2,500
Shakepay Card (Base)	−$75.00
Crypto.com Visa (Midnight Blue)	−$50.00
MetaMask Card (Virtual)	FX fee not stated
Highest stated FX cost on the entry tier	$75.00 (Shakepay Card)Higher Shakepay statuses and Crypto.com tiers cut or remove the fee.

Open the foreign-currency tool →Computed 2026-11-03.