Best card for Switzerland, France, Germany, Italy & Spain?

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beef.stu
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Best card for Switzerland, France, Germany, Italy & Spain?

Postby beef.stu » Tue Jan 15, 2013 2:34 am

I am going to be traveling to Switzerland and then France, Germany, Italy and maybe Spain this summer with some friends and I want to make sure that I minimize any foreign transaction fees that I will have to deal with. I will only be there for about a month, so I am thinking that maybe going out of my way to get a card just for a month long trip might not be the best choice and that I might as well just eat the fees.

I wanted to see if anyone here had some advice.

some info about me: im 21, full time student and income is about 12k a year

the current cards I have are:
Wells Fargo Platinum Visa 2,400 limit (2/2010)
Amex BCE 4,100 limit (10/2012)
GE Bank Chevron 600 limit (6/2010)

Thanks for any help
(01/10) - Wells Fargo VISA Platinum
(05/10) - Techron Advantage
(10/12) - Amex BCE
(02/13) - Chase Freedom VISA
(09/13) - Discover It
(03/14) - Sallie Mae WMC
(09/15) - Citi Double Cash WEMC
(09/16) - US Bank Cash+ VISA Signature
(01/17) - Amazon Prime Rewards Visa Signature


Robrus1
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Postby Robrus1 » Fri Jan 18, 2013 2:24 pm

Probably Chase Sapphire or Capital One Venture. Both are travel cards with no foreign transaction fees. Not sure how they'll feel about the 12K a year part, but you got a BCE, so you have a fair shot.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

silver6054
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Postby silver6054 » Fri Jan 18, 2013 4:07 pm

Or any Capital One card. The Venture might be a reach because it is one of their "Excellent Credit" cards, but any of their no annual fee cards will do if you don't need rewards.

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djrez4
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Postby djrez4 » Fri Jan 18, 2013 4:28 pm

Discover also has no FTFs, but lower acceptance. BoA offers some no FTF cards in Visa and MC flavors.

I'll be bringing my CSP as my main card in Spain and Switzerland in March.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

RewardHop
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Postby RewardHop » Fri Jan 18, 2013 8:16 pm

Does both the Chase Saphire and CSP have no FTF?
[size=60]
Amex BCE: 3% grocery, 2% gas
Bank of America Better Balance Rewards MC: $25/quarter bonus
Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
Capital One Quicksilver Visa Signature: 1.5% everything
Chase Freedom Visa Signature: 5% rotating
Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
Discover It: 5% rotating
SallieMae MC: 5% Groceries, Gas, Amazon
US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
Sock Drawered: Chase Sapphire, Chase Amazon[/size]

Robrus1
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Postby Robrus1 » Fri Jan 18, 2013 9:41 pm

RewardHop wrote:Does both the Chase Saphire and CSP have no FTF?


Yes, neither have foreign transaction fees.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

beef.stu
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Postby beef.stu » Sat Jan 19, 2013 5:32 am

after some more thinking, I have decided to just open a charles schwab checking account which doesnt charge atm fees worldwide. I dont travel much (this will be my first time in Europe!) so i dont think its worth the hassle of going out of my way to get a travel specific card at this time. Thanks for all of your input!

And as far as the ftf for sapphire vs sapphire preferred, from what I've seen, only the preferred doesnt have ftf's.
(01/10) - Wells Fargo VISA Platinum
(05/10) - Techron Advantage
(10/12) - Amex BCE
(02/13) - Chase Freedom VISA
(09/13) - Discover It
(03/14) - Sallie Mae WMC
(09/15) - Citi Double Cash WEMC
(09/16) - US Bank Cash+ VISA Signature
(01/17) - Amazon Prime Rewards Visa Signature

nishant
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Postby nishant » Sun Jan 20, 2013 10:46 am

No. That is not correct.

Chase Sapphire No annual fee has 3% foreign currency as well as foreign country transaction in US dollars surcharge.

Only Chase Sapphire Preferred which has $95 annual fee has no foreign surcharge.

All Capital one cards have no foreign surcharge

Newly introduced Discover It also does not have a surcharge

Money card
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Postby Money card » Sun Jan 20, 2013 5:11 pm

I would certainly agree with Robrus1 the chase sapphire and capital1 venture have no foreign transaction fee.
But Beef stu I would leave your Blue cash card home, this card has a 2.7 tranaction fee per tranaction. you metioned that your going away with friends I would certainly look for a card that has no fee. there are probably some citibank cards that have no fees, maybe
some Bank of America cards.

Robrus1
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Postby Robrus1 » Sun Jan 20, 2013 8:31 pm

nishant wrote:No. That is not correct.

Chase Sapphire No annual fee has 3% foreign currency as well as foreign country transaction in US dollars surcharge.

Only Chase Sapphire Preferred which has $95 annual fee has no foreign surcharge.

All Capital one cards have no foreign surcharge

Newly introduced Discover It also does not have a surcharge


My apologies. Only the CSP has no foreign transaction fees, that's true.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K



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