Which card would you sacrifice?

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jojo
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Which card would you sacrifice?

Postby jojo » Thu Jun 20, 2013 10:45 pm

I'm in the market for a new travel card, although I don't want another card. I'll be doing some international travel soon and I hate paying the 1-3% transaction fee and so I'm looking for a no transaction or annual fees travel card with a EMV chip. I'm leaning towards the BankAmericard Travel Rewards Visa.

I charge everything on my Chase Freedom to get cash back and pay off the bill monthly. Here's a list of cards I currently have and the reasons I have them. I don't carry any balances. Is there any one card you would sacrifice and replace it with the travel card? Should I just add the travel card?

Discover - My oldest credit line (I've had it open 10+ years). I used to use it everyday, but I ran into some acceptance issues so I switched to Chase Freedom. Sometimes, I use it when it's a hot 5% cash back category.

American Express Blue Cash - My other oldest credit line (also 10+ years). I use it at Costco.

Chase Freedom - Daily use card for cash back purposes.

Citi Platinum Select - No rewards, no frills, and opened in 2007. I got this card when I was a Citi employee so my interest rate is prime + 1%. In the unlikely event I need to carry a balance, this low rate is nice to have.

A brand specific gas card - This card gives me a $0.10/gallon discount when I use it at their branded gas station on top of any discount they give for using their card. I save $0.10 to $0.25 off the posted credit card price every fill up.


websteth
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Postby websteth » Fri Jun 21, 2013 4:11 pm

I don't think you would have to close any of the cards. As long as you aren't paying an annual fee, I don't see it as an issue to just leave them open. As for cards that have EMV and are available, Chase probably has the largest selection. I personally have the Hyatt one and don't have any issues with it over seas at all or while traveling in NA. I've heard great things about the British Airways card as well but then again, it depends on what you want to earn for rewards. Both have smaller annual fees. You are not really going to find a no annual fee card that has no transaction fees. The Bank Of America Travel Rewards card seems to be the only one. FWIW, Discover has no fees but, acceptance is hit or miss abroad. Hope that helps.
American Express: Platinum, Zync, Platinum Delta SkyMiles, Blue, Starwood Preferred Guest
Barclaycard US: iTunes Reward Visa, US Airways Premier World MasterCard
Chase: Sapphire Preferred Visa Signature, Freedom Visa
Citi Bank: Hilton HHonors Visa Signature, AAdvantage Platinum Select World Elite MasterCard
Bank of America Virgin Atlantic World Elite MasterCard
Discover: Discover it
Other:Macy's Star Rewards, Target REDCard

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djrez4
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Postby djrez4 » Fri Jun 21, 2013 4:26 pm

You're going to have trouble finding a worthy card that has both a chip and no forex fees unless you're willing to pay an annual fee. BoA isn't a very good program.

The Citi Thank You Premier has everything you want, but costs $125 a year. You could change your Citi Platinum Select into one of those without closing any cards.

Otherwise, here's a list of all of the EMV-enabled cards, listed with their forex fees. PenFed may be a good option if you have impeccable credit.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

rockyrock
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Postby rockyrock » Sat Jun 22, 2013 8:59 am

You have a great line up; the only card I would consider closing is the Discover. Really hate to lose the history, but if you don't plan to buy a house or car in the next few years it probably wouldn't be a big deal. Just apply for the new card before you close one.

Good luck finding a good travel card with no AF and no FTF. It's usually one or the other...
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC

websteth
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Postby websteth » Sat Jun 22, 2013 10:32 am

rockyrock wrote:You have a great line up; the only card I would consider closing is the Discover. Really hate to lose the history, but if you don't plan to buy a house or car in the next few years it probably wouldn't be a big deal. Just apply for the new card before you close one.

Good luck finding a good travel card with no AF and no FTF. It's usually one or the other...


I don't see why he would need to close his Discover. It's not hurting him having it open.
American Express: Platinum, Zync, Platinum Delta SkyMiles, Blue, Starwood Preferred Guest
Barclaycard US: iTunes Reward Visa, US Airways Premier World MasterCard
Chase: Sapphire Preferred Visa Signature, Freedom Visa
Citi Bank: Hilton HHonors Visa Signature, AAdvantage Platinum Select World Elite MasterCard
Bank of America Virgin Atlantic World Elite MasterCard
Discover: Discover it
Other:Macy's Star Rewards, Target REDCard

MemberSince99
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Postby MemberSince99 » Sat Jun 22, 2013 5:39 pm

I would probably close the Discover too. If you get an Amex Plat (or other travel card that's relevant) you would get backdated which is a huge plus. Plat has no FTF too if I recall. The annual fee is a bit steep though so make sure you can actually make use of it. Otherwise the BofA card should be fine. It's more for the occassional every once in a while traveller, perfect for that with no annual fee and no FTF and a chip and sign.

rockyrock
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Postby rockyrock » Mon Jun 24, 2013 1:56 am

websteth wrote:I don't see why he would need to close his Discover. It's not hurting him having it open.


I agree, but his question was: "Is there any one card you would sacrifice and replace it with the travel card?" I used the word consider and said really hate to lose the history to indicate a reluctance to actually close it; if however he decides to close one that is my recommendation.
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC



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