- Green Member
- Posts: 8
- Joined: Fri Jan 31, 2014 12:33 pm
- Location: USA!
Hello. I am planning a trip to Japan, and have been advised that it would be wise to bring a credit card for emergency/backup use. This will be my first credit card, and this will potentially be its only use (though potentially not my only trip). I have found the credit card market to be quite confusing, but I believe I have made it through the noise. I'm not entirely confident, though, and would appreciate it if you could check my work.
I understand that Visa/MasterCard have the widest global acceptance, so I am limiting myself to those cards.
Since I am planning on using it overseas, I am looking for a card with no FTFs.
I do not know how or if I will be using the card outside of my trip, so I want no annual fees.
I do not travel very often, so the 'travel rewards' cards hold little appeal. I don't really care about rewards programs in general, but as long as I'm getting one -- which is all but a requirement it seems -- I may as well get one I'd use.
I have excellent credit, will not be transferring any balances, and will most likely be paying the balance in full every month.
The No FTF/No Annual Fee narrows the field, with the Capital One Quicksilver card standing out as most other cards have a travel-based rewards program. I was hoping for a low APR, but I guess 12.9% is considered low. I'm skeptical of any credit card company that can afford Samuel L. Jackson as a sponsor, but that's hardly a reason to avoid it, especially if it turns out to be the best option for me.
So what do you think? Am I headed down the right path? Any other cards I should be comparing? Any other advice in general? Please let me know if you have any questions or require any more information, and I appreciate your help!