I'm travelling internationally and have been noticing my Aven charges don't seem to convert at a rate I expect.
Aven has No Foreign Exchange Fee. However they have a horrible currency conversion rate which is worse than the standard 3% Forex Fee.
Here is real world transtransation data from today. Using my AAA Visa and the Aven Credit Card (not the heloc version). The Aven foreign exchange markup wipes out your ForEx fee and almost all your Cash Back. What a terrible credit card for use outside of the US.
Can someone else please confirm this. Try it in the wild.
Comparison of AAA VISA credit card versus Aven VISA credit card at merchants in Taiwan on May 11, 2026.
| Card | Actual Charge in USD | Effective Currentcy Conversion Rate | Difference from Visa Official |
|---|---|---|---|
| Visa Official Exchange rate | $30.54 | 0.03184 | Baseline |
| AAA Credit Card | $30.63 | 0.03194 | +0.3% (Extremely competitive) |
| Aven Credit Card | $31.30 | 0.03366 | +5.7% (Significant markup) |
Aven Credit Card Foreign Currency Exchange rates is Horrible at 5.7%
byu/Confident_Deer5500 inCreditCards
Posted by Confident_Deer5500