If you're not sure, check the terms and conditions. A few big-name credit card issuers have started to eliminate this fee on some of their cards.
Chase now has 13 cards that don't have a foreign transaction fee, including the Marriott Rewards Premier credit card, Southwest Airlines Rapid Rewards Premier card, United MileagePlus Club Visa and British Airways Visa Signature card.
"Most of these cards are designed for frequent travelers and have benefits that would suit their specific needs and wants," said Paul Hartwick, a spokesman for Chase. "Features like bonus points for travel purchases and no foreign transaction fees are especially attractive to these customers."
American Express recently dropped the fee for its Gold, Platinum and Reserve Delta SkyMiles credit cards.
"If your card has this fee, you might want to apply for another one before your trip," said Bill Hardekopf, CEO of LowCards.com. "There are a number of really good cards available that you might want to consider."
For example, consider the Chase Sapphire Preferred card, BankAmericard Travel Rewards card and the Barclaycard Arrival Plus World Elite MasterCard.
A few card issuers—Capital One, Discover and Pentagon Federal Credit Union—do not have foreign transaction fees on any of their cards. The Capital One Quicksilver and Venture Rewards cards come highly recommended by various comparison websites. (See a full list of recommended cards at CardHub.)