Foreign transaction fees?

See the following from https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf

TRANSACTIONS MADE IN FOREIGN CURRENCIES

Transactions made in a currency other than U.S. dollars will be converted into U.S. dollars. We do not add any foreign exchange rate fee to these Transactions. The conversion will be performed by Mastercard International, the payment network associated with your Account (the "Network"). The Network follows its own methods for conversions that are subject to change. The conversion will occur on the day the Transaction is processed by the Network, which may be different than the date of the Transaction. As a result, the conversion rate may differ from the rate as of the Transaction date or the date the Transaction is posted on your Account