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Learning, Sharing, and Teaching => Ask a Mustachian => Topic started by: acorn on August 30, 2015, 03:35:47 PM

Title: Credit cards with no foreign transaction fee and no annual fee?
Post by: acorn on August 30, 2015, 03:35:47 PM
Can you recommend credit cards with no annual fees and no foreign transaction fees?

So far, I've found
1. BankAmericard Travel Rewards
2. CapitalOne VentureOne
Are there any others?

I'm leaving the US for a couple of years, but I still want to keep 1-2 cards around for international travel without having to deal with annual fees. Also, where I'm going, the credit card offers are pretty weak with annual fees and forex fees.
Title: Re: Credit cards with no foreign transaction fee and no annual fee?
Post by: Debts_of_Despair on August 30, 2015, 04:28:24 PM
http://www.findmybarclaycard.com/barclaycard-credit-cards/arrival-travel

This is the only card I could find that meets your requirements AND has chip-plus-PIN capability.  You will want/need that for any kiosk-type transactions.  I'm not crazy about the rewards (I'm not interested in any non-cash rewards) and I  didn't even bother to check the APR but it checks all the other boxes.
Title: Re: Credit cards with no foreign transaction fee and no annual fee?
Post by: Kris on August 30, 2015, 04:46:33 PM
http://www.findmybarclaycard.com/barclaycard-credit-cards/arrival-travel

This is the only card I could find that meets your requirements AND has chip-plus-PIN capability.  You will want/need that for any kiosk-type transactions.  I'm not crazy about the rewards (I'm not interested in any non-cash rewards) and I  didn't even bother to check the APR but it checks all the other boxes.

Are you sure this is chip and PIN?  I see it's chip, but I don't see them say it's PIN, so I assume it's chip and signature.
Title: Re: Credit cards with no foreign transaction fee and no annual fee?
Post by: Debts_of_Despair on August 30, 2015, 05:06:50 PM
http://www.findmybarclaycard.com/barclaycard-credit-cards/arrival-travel

This is the only card I could find that meets your requirements AND has chip-plus-PIN capability.  You will want/need that for any kiosk-type transactions.  I'm not crazy about the rewards (I'm not interested in any non-cash rewards) and I  didn't even bother to check the APR but it checks all the other boxes.

Are you sure this is chip and PIN?  I see it's chip, but I don't see them say it's PIN, so I assume it's chip and signature.

It is chip and sig by default but it is able to do chip and PIN where needed.


https://www.barclaycardus.com/servicing/chipcard?legacy=true
Title: Re: Credit cards with no foreign transaction fee and no annual fee?
Post by: Kris on August 30, 2015, 05:14:31 PM
http://www.findmybarclaycard.com/barclaycard-credit-cards/arrival-travel

This is the only card I could find that meets your requirements AND has chip-plus-PIN capability.  You will want/need that for any kiosk-type transactions.  I'm not crazy about the rewards (I'm not interested in any non-cash rewards) and I  didn't even bother to check the APR but it checks all the other boxes.

Are you sure this is chip and PIN?  I see it's chip, but I don't see them say it's PIN, so I assume it's chip and signature.

It is chip and sig by default but it is able to do chip and PIN where needed.


https://www.barclaycardus.com/servicing/chipcard?legacy=true

Aha -- thanks!
Title: Re: Credit cards with no foreign transaction fee and no annual fee?
Post by: daverobev on August 30, 2015, 06:01:10 PM
There are a couple of other c + p, but not many.

https://www.andrewsfcu.org/personal/loans-and-credit/credit-cards.html
Title: Re: Credit cards with no foreign transaction fee and no annual fee?
Post by: Debts_of_Despair on August 30, 2015, 06:45:37 PM
There are a couple of other c + p, but not many.

https://www.andrewsfcu.org/personal/loans-and-credit/credit-cards.html

There are a few from CUs available but that requires you to join.  Not a huge deal but another hoop to jump through and you might need to join or donate to some association to qualify for membership.
Title: Re: Credit cards with no foreign transaction fee and no annual fee?
Post by: Psychstache on August 30, 2015, 07:46:59 PM
http://www.findmybarclaycard.com/barclaycard-credit-cards/arrival-travel

This is the only card I could find that meets your requirements AND has chip-plus-PIN capability.  You will want/need that for any kiosk-type transactions.  I'm not crazy about the rewards (I'm not interested in any non-cash rewards) and I  didn't even bother to check the APR but it checks all the other boxes.

Are you sure this is chip and PIN?  I see it's chip, but I don't see them say it's PIN, so I assume it's chip and signature.

I just got back from a 3 week trip in Italy, Spain, and France. C&S cards worked everywhere, including automatic kiosks at the train stations. It was a lovely surprise.
Title: Re: Credit cards with no foreign transaction fee and no annual fee?
Post by: Debts_of_Despair on August 31, 2015, 02:54:32 PM
http://www.findmybarclaycard.com/barclaycard-credit-cards/arrival-travel

This is the only card I could find that meets your requirements AND has chip-plus-PIN capability.  You will want/need that for any kiosk-type transactions.  I'm not crazy about the rewards (I'm not interested in any non-cash rewards) and I  didn't even bother to check the APR but it checks all the other boxes.

Are you sure this is chip and PIN?  I see it's chip, but I don't see them say it's PIN, so I assume it's chip and signature.

I just got back from a 3 week trip in Italy, Spain, and France. C&S cards worked everywhere, including automatic kiosks at the train stations. It was a lovely surprise.

Maybe transaction values below a certain threshold set by the card company don't require a PIN?
Title: Re: Credit cards with no foreign transaction fee and no annual fee?
Post by: arebelspy on November 07, 2015, 03:54:39 AM
IMO (and according to many travel bloggers as well) the Bank of America Travel Rewards card is the best CC for overseas travel/spending.  No foreign transaction fees, no annual fee, decent rewards.