Credit Card to use in Europe

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18 posts
lexrj
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Location: San Diego

Postby lexrj » Mon Jan 28, 2013 2:11 am

Great post MOC, thanks!
I'm very inclined on getting the CSP but I really don't like depending on their website to book things. I feel they can manipulate the prices and availability anytime so I would end up paying $95/yr just to have a card to use abroad.
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Current in my Wallet
Amex BCP - 25K (02/12)
Barclaycard Arrival WMC - 15K (10/13)

Future
US Bank Cash +

Socks drawer
Crap One Quicksilver - 1.7K (04/11)
CSP - 15K (03/13)

Scores
FICO EX 772 / TU 765 / EQ 762 - (09/14)
AAoA 2.1


MOC
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Postby MOC » Tue Jan 29, 2013 4:10 am

You don't have to depend on their website to book things, but you get an additional point per dollar if you do. You get 2x points on travel and dining at restaurants. You get 3x points by using their booking tool. I always check prices too because they may not have access to all the fares. The prices are the same for airfare as far as I can tell on recent purchases. I am much less inclined to trust them for anything besides airfare booking, and I would always compare the direct price from the airline. Something that really ruined it for me is that you cannot search with flexible dates now because they've just "upgraded' the travel booking. I think you can now use points for more types of travel, but not having the ability to search multiple dates in addition to multiple airlines in one place is inconvenient, but 3x points are better than I can get any other way.

Here are the specifics for travel points: "You will earn an additional 1 point for each $1 of net purchases made in any of the following categories: travel; dining – when you use your card at restaurants." and "You will also earn an additional 1 point for each $1 of airfare and hotel accommodation net purchases when you book at chase.com/ultimaterewards (for a total of 3 points)." You also get an annual 7% point dividend and your points are 1 point to 1.25 cents when used on the UR travel site. So if you booked $100 of travel through the tool, you would get 300 points which are worth $3.75 so that is a 3.75% back. I think I'll break that down for the other points too.

Points earned through UR Travel:
3% back
3.21% with the 7% dividend which is not applied to signup bonus points or previous dividend points
3.75% if used on UR Travel
4.0125% when used on UR Travel after 7% dividend

Points earned through other travel and dining at restaurants
2% back
2.14% after 7% dividend
2.5% if used on UR Travel
2.675% when used on UR Travel after 7% dividend

All other points earned
1% back
1.07% after 7% dividend
1.25% if used on UR Travel
1.3375% if used on UR Travel after 7% dividend

Obviously the best return is when used for travel, and the benefits are all geared towards travel such as travel and car rental insurance and assistance.

Here is the current fine print, but if you are using an offer make sure to check benefits shown on your offer page:
https://creditcards.chase.com/sapphire/offer-details

lexrj
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Posts: 169
Joined: Fri Sep 14, 2012 12:59 pm
Location: San Diego

Postby lexrj » Tue Jan 29, 2013 2:12 pm

Awesome breakdown! Thanks again!
Do you know how broad (bars, fast food and clubs) is the Restaurant category?
---------------------------------------
Current in my Wallet
Amex BCP - 25K (02/12)
Barclaycard Arrival WMC - 15K (10/13)

Future
US Bank Cash +

Socks drawer
Crap One Quicksilver - 1.7K (04/11)
CSP - 15K (03/13)

Scores
FICO EX 772 / TU 765 / EQ 762 - (09/14)
AAoA 2.1

MOC
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Joined: Sun Feb 19, 2012 7:56 am
Location: NC

Postby MOC » Sat Feb 09, 2013 12:18 pm

I guess I should have answered this sooner, but it purely depends on how the merchant classifies themselves in Visa's network as a restaurant. I don't see it broken down by category on my statement or through the online part so I can't really say if they classified some places differently. Under rewards it shows how many points I got through restaurants, travel, and then other purchases but not which purchases they came from. Someone probably knows more about it than me though.

wyfei123
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Location: San Francisco, California & Melbourne, Australia

Postby wyfei123 » Mon Feb 17, 2014 7:01 pm

Chase Sapphire Preferred
-No foreign fee
-metel card!
-chip & pin
-super fast & free international shipping

I sent a copy of my CSP card to my wife in France, Chase sent the card with UPS free of charge, she got the card in 2-5 days.
and when I checked the bills, the transactions she used were marked with the EURO to USD rate, and the rate was great!
Cards:
Chase Sapphire Preferred - 6K
Chase Freedom - 4.5K
Chase United MilagePlus Explorer - 5K
Amex Blue Cash Preferred - 10K
Amex Costco TrueEarnings - 7.5K
Citibank ThankYou Preferred - 6K
Citibank Forwards - 1.2K
Discover it for Student - 1.5K
Bank of America Cash - 1.2K
Bank of America Travel - 0.6K
Barclay Rewards - 1K

luvbullmarkets
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Location: TPC Stonebrae

Postby luvbullmarkets » Tue Feb 18, 2014 2:01 pm

MOC wrote:
The BA card does not have a fee and is through Chase, but I am not sure if it is worth locking yourself in with one airline. If you don't have a preferred airline or hotel, you use heavily, then you should get the Chase Sapphire Preferred. This will give you the ability to transfer to British Airways and several other travel partners notably Marriott, Hyatt, Southwest, and United. You also have other options for your points like gift cards, shopping, and cash back which almost all at a 1 point to 1cent basis. They've just completely changed the ultimate rewards travel and I don't like it. I know Amex gives you the market rate on conversions which is really good and the Platinum has no fee, but unless you travel a bunch it would not be worth the $450 annual fee. They also do not have a chip that I am aware of and Amex is not accepted as many places as Visa.
.


All AMEX cards could be had with Chips upon request. Just call AMEX and request for a Chip+Sig card.
Amex EveryDay, Amex BCE , Barclaycard Arrival+ WEMC, CSP Visa Signature, Discover it, Wells Fargo Propel 365 Amex

"Attack this day with a level of enthusiasm unknown to mankind." - Jack Harbaugh

JoDa
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Location: United States

Postby JoDa » Thu Feb 20, 2014 7:00 pm

I agree wholeheartedly that if you are doing Europe and may prefer BA, CSP is the card for you.

As far as depending on their website, I wouldn't worry about it. I checked several flights I was interested in between Kayak, the airline website, and UR, and the prices were the same on all.

BUT YOU DON'T HAVE TO DEPEND ON THEIR WEBSITE, AND, IN FACT, I WOULDN'T. You can convert your points to miles and pay with THOSE. You will usually get better redemption doing it this way. I can get 1.5-2 cents/mile pretty easily through United Mileage Plus, but only a flat 1.2 cents through UR with the discount. Obviously, this doesn't work out 100% of the time (I've seen redemption offers as low as .5 cents/mile on UMP), but if you plan carefully you can make out like a bandit. I just booked a trip where I averaged 1.8 cents per mile for flight and hotel. I managed to catch a "sale" on the hotel, and only paid 14K miles/night for a 4-star hotel. I'm taking my mom on vacation, and this was super-sweet. I asked her if she ever stayed at a nice hotel before and she replied "oh, yes, we once stayed in a very nice Radission." She has no. idea. what she's in for. :) I wish I could talk her into going to Asia so that I could afford a true 5-star hotel, but the long flights squick her out.
CSP $19K
BOA $4K
UMP $11.5K
Target Visa $1.5K

randeman
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Location: New York, NY

Postby randeman » Sun Feb 23, 2014 10:58 pm

I really wish Discover was more widely accepted in Europe. I know you can use it anywhere there's a Diner's logo, but there's no chip. It truly is my favorite travel card in the US. And it has really cool palm trees on it and a blue sky in the background!
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).



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