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Best Credit Card to use overseas?
Posted on 12/25/24 at 4:30 pm
Posted on 12/25/24 at 4:30 pm
With no international charge on purchases. Going to Japan in June.
13
Posted on 12/25/24 at 7:23 pm to lsu311
Not sure if it's across the Amex family of cards, but the Amex platinum and gold have no foreign transaction fees.
Posted on 12/25/24 at 7:23 pm to lsu311
It’s an open ended question. You want miles? Points? I’d probably get one of the Chase Sapphire cards but there is a multitude of options.
Posted on 12/25/24 at 11:12 pm to lsu311
Any CC with no foreign transaction fees is a win. I used my Chase Sapphire Reserve in Europe last month and it worked great...
Posted on 12/26/24 at 7:06 am to Roy Curado
Thanks for the info guys
Posted on 12/26/24 at 8:13 am to lsu311
Chase sapphire. Cap one savor are my go tos.
Posted on 12/26/24 at 8:50 am to lsu311
Have never had any issues with the Amex Platinum.
Posted on 12/26/24 at 10:15 am to lsu311
Amex Platinum, Venture card, Sapphire have all served me in the past overseas. Don't think any of them have international fees.
Though Capital One did shut down my Venture in Vienna for six hours because I didn't respond to the fraud verification text message in time
Though Capital One did shut down my Venture in Vienna for six hours because I didn't respond to the fraud verification text message in time
This post was edited on 12/26/24 at 10:16 am
Posted on 12/26/24 at 10:59 am to Indefatigable
Cap 1 did the same to me when I was in Paris. Having your card declined when trying to pay for dinner was incredibly embarrassing. Doesnt matter I entered a travel notification online, they still locked the card down. I paid my balance off and canceled the card on the metro.
I always rotate through a few cards but the Chase Sapphire is my go to travel card. Great protection, Sapphire lounge access, Priority Lounge access, no international fees, free global entry, hotel credits, free Lyft pink, etc.
Very easy to get the $550 annual fee back in just a couple trips.
I always rotate through a few cards but the Chase Sapphire is my go to travel card. Great protection, Sapphire lounge access, Priority Lounge access, no international fees, free global entry, hotel credits, free Lyft pink, etc.
Very easy to get the $550 annual fee back in just a couple trips.
Posted on 12/26/24 at 10:19 pm to Roy Curado
This. Sapphire on your digital wallet and tap the frick away
Posted on 12/27/24 at 12:44 pm to lsu311
Schwab card is good for foreign travel.
Posted on 12/27/24 at 1:00 pm to LSUfan4444
quote:
Cap 1 did the same to me when I was in Paris
Some issuers still want you to login and put in dates and locations of travel. Some don't.
Posted on 12/27/24 at 1:11 pm to VABuckeye
quote:Which ones do? I use chase and capital 1 and travel out the country all the time and can't remember the last time I did the travel notification. Never had an issue
Some issuers still want you to login and put in dates and locations of travel. Some don't.
What a pain that used to be
But it really doesn't matter as long as its a card with no international fee. That right there will save you quite a bit on a trip to Japan which I assume will be pretty pricy. Venture X has been fine for me
This post was edited on 12/27/24 at 1:13 pm
Posted on 12/27/24 at 1:56 pm to Pelican fan99
quote:
But it really doesn't matter as long as its a card with no international fee.
This is the right answer, honestly. Just make sure the card doesn't have foreign transaction fees. For me, I shuffle between Hilton Aspire and United Club. I usually opt for a bit more than the other when I'm on trips, depending if I'm trying to build towards my next flight or hotel stay.
If OP is only trying to skate by without fees, I'd probably steer him towards Capital One Venture or Sapphire Preferred. Annual fee isn't much of a sticker shock, miles/point multipliers are solid, and easy transfer to travel partners.
This post was edited on 12/27/24 at 1:59 pm
Posted on 12/27/24 at 2:00 pm to lsu311
Venture X being a Visa I had no issues. No foreign transaction fees either
Posted on 12/27/24 at 4:56 pm to VABuckeye
quote:. Cap 1 still deactivated mine after I put the travel notification in. There were plenty of times when we were out and about I didn't even take my phone because the wife had hers.
Some issuers still want you to login and put in dates and locations of travel. Some don't.
Posted on 12/28/24 at 10:22 am to lsu311
I used a Chase Visa for airline points in Europe this summer. Worked fine. i did call the company ahead of time to let them know I would be there with several cards being used. They said it wasn’t necessary to notify them of anything.
Posted on 12/30/24 at 10:54 am to lsu311
I'll vote for the Chase Sapphire Reserve card.
One important point: If you make a purchase abroad and the seller asks if you want the charge in their native currency or US dollars, always choose their native currency. This allows your CC to determine the exchange rate. If you choose USD, there's no telling what the exchange rate is going to be (or who's setting it).
My wife once made a $30 purchase in London and picked USD and it charged us $42.
One important point: If you make a purchase abroad and the seller asks if you want the charge in their native currency or US dollars, always choose their native currency. This allows your CC to determine the exchange rate. If you choose USD, there's no telling what the exchange rate is going to be (or who's setting it).
My wife once made a $30 purchase in London and picked USD and it charged us $42.
Posted on 12/30/24 at 11:03 am to lsu311
We've always exclusively used the Chase Sapphire Reserve card.
Posted on 12/30/24 at 12:37 pm to Nole Man
I'll add that VISA and Mastercard are more widely accepted than Amex.
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