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I was wondering what credit cards people use for overseas purchases as many of them charge 3-5% fee for purchases in foreign currencies. I just discovered that Bank of America has a travel rewards card that doesn't charge these fees and TDBank debit card also doesn't. Any others?
My Chase/Marriott credit card does not charge me any international fees. Added bonus- they offer cards with chips in them for easy European travel so I am able to use kiosks in train stations for tickets and such.
While it is clearly a good idea to avoid extra fees keep in mind: if you buy traveller's checks you may end up paying a percentage, it may cost to use a foreign ATM, currency exchange is never free...
...and leftover pesos or whatever are also money out of your pocket.
I try to avoid the worst fees (and the worst currency exdhange...) and then don't worry about it.
I was wondering what credit cards people use for overseas purchases as many of them charge 3-5% fee for purchases in foreign currencies. I just discovered that Bank of America has a travel rewards card that doesn't charge these fees and TDBank debit card also doesn't. Any others?
Capital One charges no foreign exchange transaction fees on ots cards. That is the major reason that I switched to Capital One from Chase.
Be sure to phone yur credit card company before you go and tell them your travel plans. Or they will block your card the minute they see a charge for an overseas purchase.
Be sure to phone yur credit card company before you go and tell them your travel plans. Or they will block your card the minute they see a charge for an overseas purchase.
My Chase/Marriott credit card does not charge me any international fees. Added bonus- they offer cards with chips in them for easy European travel so I am able to use kiosks in train stations for tickets and such.
The problem is that this is a "chip and signature" card and not a "chip and PIN" system like the rest of the modern world (that uses chips) uses. In fact, there is only one bank in the US that offers a Chip and PIN card, and it is a small credit union. It boggles the mind why the US is stuck in the dark ages on this, and none of the big banks are willing to issue Chip and PIN cards
Also, you can't use these chip and signature cards at many train station kiosks - for example, my card was rejected at the Paris metro because it lacked a PIN.
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