Best fee free debit card?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Mogul of Pineapples
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Best fee free debit card?

Postby Mogul of Pineapples » Tue Aug 17, 2010 5:03 pm

Any recommendations for the best fee free debit card? I saw Schwab advertising a debit card that is fee free at all ATMs. Something like that would be convenient but I have seen those in the past, only later to see the banks do a "bait and switch" by changing the program later on. If I'm going to go through the hassle of switching banks for my checking account, it better be for a perk that's going to stay.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred


jeffysdad
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Postby jeffysdad » Thu Aug 19, 2010 5:48 pm

ING Direct offers a debit card that is free of fees at all "Allpoint" ATMs as well as all others, although these might require a fee reimbursement. I've been very happy with my ING Direct account. However, you will need to have a brick and mortar checking account at least to open the ING. Also note that the Dutch are spinning off ING Direct in the next year or two to comply with an EU requirement, so things could change with them. Opening an ING account online is easy, so if it doesn't work out it shouldn't be that big of a deal. Also look into Emigrants and Everbank if you're considering an online account.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.



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