Foreign Transaction fees and more

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Foreign Transaction fees and more

Postby catsartcox » Fri Mar 20, 2015 2:43 pm

Its been awhile all!
I wondering if the people I remember are still around...

I have been thinking about what we talked about last time....and I am still un decided.
I am going to Spain for a month and a half in late may for a researchship, Finishing up my degree. I am trying to figure out how all of this would go down over there.
I have concluded that Visa is really the only option. So No Amex. I want to try to avoid any foreign transaction fees, as I feel like they can build up quickly. I have been debating about upgrading my Thank You Preferred to a Premier. But I only really need it for a short time. I wonder if I could convince them to let me demo the nicer card for my trip.
I have also been thinking about applying for another card(chase?) that has no annual fee and no foreign transaction fees. I have not applied for anything in almost 2 years.
Points are a plus!
What do you all think?

P.S. For those of you that recall the plan changed from Germany to Spain. It sees like it will still be fun! :)

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Postby takeshi » Mon Mar 23, 2015 9:17 am

I don't really see anything that would narrow down the options one way or another. There are certainly plenty of no FTF cards to choose from out there. It's difficult to make a recommendation based on points since we're not sure how points would accrue for foreign purchases.

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Postby lg8302ch » Mon Mar 23, 2015 9:58 am

Discover would work with no FTF but unfortunately the acceptance is terrible. You need a VI or MC. Too bad you do not have a Cap1 card in your wallet as all of their cards come with no FTF. You might consider an app for a nice card with no FTF that has a sign up bonus? I also heard rumors that PRG will drop FTF but would not honor the bonus categories abroad and acceptance is not good either. My recommendation is to look for a no FTF VI or MC with a nice sign up bonus and a card that you want to keep n the long run. QS with 1,5% no AF, Venture with a nice sign up and giving out nice limits 59$ AF, any UR earning cards Freedom combined with CSP, name it. Look around what makes sense for your spending. Or as you plan to upgrade your Citi card so no new app is required.

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Postby dickdaney » Sun Mar 29, 2015 10:07 am

I would apply for the CSP. $0 fee first year ($95 after that). The 2pts on dining and travel will rack up quickly.
Amex PRG
Amex Delta Platinum
Bank of America Travel Rewards
Chase Sapphire Preferred

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Postby rockyrock » Mon Mar 30, 2015 12:58 am

I agree with dick; go for a CSP. You don't have a Chase card in your line up anyway. I've had mine for almost two years now and love it. I just spent a month in Toronto and used it for all my transportation expenses for the 2x UR.
Sapphire Reserve: travel & dining
Blue Cash Preferred: groceries & gas
Freedom: 5% cats
Double Cash: everything else

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