Sep 25, 2014, 2:08 am
Last edit by: eponymous_coward
American Express
Platinum ($450 Annual fee) http://www304.americanexpress.com/ge.../Platinum-Card
Plum Card (Business) ($250 Annual Fee) https://www.americanexpress.com/us/s...dit-cards/plum
Delta Reserve Card ($450 Annual Fee) https://www304.americanexpress.com/c...ta-credit-card
Delta Platinum Card ($195 Annual Fee) https://www304.americanexpress.com/credit-card/skymiles
Delta Gold Card ($95 Annual Fee) https://www304.americanexpress.com/c...delta-skymiles
Starwood Preferred Guest Card ($95 Annual Fee)https://www.americanexpress.com/us/c...referred-guest
Associated Credit Union Visa Platinum Preferred (no annual fee) http://www.acuonline.org/home/products/credit
Bank of America
Alaska Airlines Visa Signature cards, both personal and business ($75 Annual Fee) see the wikipost in this thread for signup links (which periodically change)
Amtrak Guests Rewards (two versions, one version with no annual fee) http://agr.amtrak.com/apply/
BankAmericard Travel Rewards (no annual fee; includes chip with online PIN as backup CVM) https://www.bankofamerica.com/credit...credit-card.go
Celebrity Cruises ($69 Annual Fee) https://www.bankofamerica.com/credit...credit-card.go
Barclays
Arrival Card ($0 Annual Fee) http://www.barclaycardarrival.com/ar...4&cellNumber=1
Arrival Plus Card ($89 Annual Fee) http://www.barclaycardarrival.com/
Carnival Cruises FunPoints ($0 Annual Fee) https://www.barclaycardus.com/apply/...2&cellNumber=2
Hawaiian Airlines ($89 Annual Fee) http://www.hawaiianairlinescard.com/
Lufthansa Miles & More Card ($79 Annual Fee, waived for certain miles & more members) https://www.barclaycardus.com/apply/...erid=BCSHP1214
Princess Cruises Card ($0 Annual Fee) https://www.barclaycardus.com/apply/...1&cellNumber=3
AAdvantage Aviator Red MasterCard ($89 Annual Fee; new applications not available)
Priceline Rewards ($0 Annual Fee)https://home.barclaycardus.com/cards...visa-card.html
Capital One --all cards http://www.capitalone.com/creditcard...ts/browse-all/ also see partner cards http://www.capitalone.com/creditcard...04_T_CCBRWPTNR
Chase
IHG Rewards Club Select ($49 fee, waived 1st yr, one free hotel night cert. yearly) https://creditcards.chase.com/credit...edit-card.aspx (previously known as Priority Club Select)
Hyatt ($75 annual fee, one free hotel night cert. yearly for category 1-4 hotels) https://creditcards.chase.com/credit...yatt-card.aspx
Marriott Rewards Premier ($85 annual fee, waived 1st yr, one free hotel night cert. yearly for category 1-5 hotels) https://creditcards.chase.com/credit...dit-cards.aspx
British Airways ($95 annual fee, 2-for-1 cert. after $30k annual spend) https://creditcards.chase.com/credit...edit-card.aspx
JP Morgan Select Visa (has both chip & signature and magnetic strip--$95 fee, waived 1st yr, has primary rental car coverage) https://creditcards.chase.com/credit...lect-card.aspx
Sapphire Preferred ($95 fee, waived 1st yr, 20% point discount on travel, 7% annual points bonus) https://creditcards.chase.com/credit...rred-card.aspx
United MileagePlus Club card ($395 annual fee, $100 statement credit, United Club membership, 2 free checked bags on UA, UA Premier Access) https://creditcards.chase.com/credit...edit-card.aspx
United MileagePlus Explorer card ($95 annual fee waived first year; 30K-55K sign-up bonus, depending on landing page offer [see UA forum for more info], free checked bag on UA, priority boarding on UA) https://creditcards.chase.com/credit...edit-card.aspx
Ink Bold Business ($95 annual fee, waived first year)
https://www.chase.com/online/busines...s/ink-bold.htm
Ink Plus Business ($95 annual fee, waived first year)
https://creditcards.chase.com/ink-bu.../ink-plus-card
Ritz-Carlton Rewards Credit Card (has both chip & signature and magnetic strip--$395 Annual fee. Has primary rental car coverage) https://creditcards.chase.com/credit...lton-card.aspx http://www.ritzcarltonrewardscard.com/home.php?pid=home
Citi
ThankYou Premier ($125 annual fee, waived 1st yr) https://www.citi.com/credit-cards/cr...er-credit-card
Prestige ($450 annual fee) https://www.citi.com/credit-cards/cr...-prestige-card
Executive AAdvantage ($450 annual fee) https://www.citi.com/credit-cards/cr...ite-mastercard
Expedia+ Voyager ($95 annual fee) https://www.citi.com/credit-cards/cr...a-plus-voyager
Hilton HHonors Reserve ($95 annual fee) https://www.citi.com/credit-cards/cr...s-reserve-card
AAdvantage Platinum MC ($95 annual fee, waived first year, retention offers may be possible subsequent years) -- as of 15 Nov 2015
Costco Anywhere Visa (no separate annual fee, requires a paid Costco Membership) https://www.citi.com/credit-cards/cr...sa-credit-card
Discover --all cards. no annual fee.
http://www.discovercard.com/credit-cards/
HSBC--several cards (But be careful--many of these cards have *very* low limits. The
Premier card, no annual fee, is a notable exception.) http://www.premiercardbenefits.com/1/2/3/
PenFed --all cards
examples:
Amex (no annual fee) https://www.penfed.org/productsandra...cards/amex.asp
Promise Visa (no annual fee) https://www.penfed.org/productsandra...romisecard.asp
Petal https://www.petalcard.com/ (Issued by WebBank, no AF, 1-1.5% cashback based on on timely payment, non-traditional approvals without credit scoring possible)
Navy Federal Credit Union --all cards
https://www.navyfederal.org/products...reditcards.php
Andrews FCU GlobeTrek Rewards Visa (No Annual Fee/Supports Chip & Pin) https://www.andrewsfcu.org/credit_ca...k_rewards.html
State Dept FCU Visa Platinum EMV Card (No Annual Fee/Supports Chip & Pin) https://www.sdfcu.org/emv-creditcards
San Francisco Fire Credit Union Platinum Visa (no annual fee) http://www.sffirecu.org/loans/credit-cards
Synchrony Bank/Cathay Pacific Signature Visa ($95 AF, no waiver, 1.5 Asia Miles per USD): https://us.cathaypacific.com/offers/credit-card/
Union Bank Graphite American Express ($99 annual fee, waived first year)
https://www.unionbank.com/personal-b...ards/index.jsp
**please check UA Fan's excellent list to see current bonus sign-up offers**
http://www.flyertalk.com/forum/miles...er-thread.html
Platinum ($450 Annual fee) http://www304.americanexpress.com/ge.../Platinum-Card
Plum Card (Business) ($250 Annual Fee) https://www.americanexpress.com/us/s...dit-cards/plum
Delta Reserve Card ($450 Annual Fee) https://www304.americanexpress.com/c...ta-credit-card
Delta Platinum Card ($195 Annual Fee) https://www304.americanexpress.com/credit-card/skymiles
Delta Gold Card ($95 Annual Fee) https://www304.americanexpress.com/c...delta-skymiles
Starwood Preferred Guest Card ($95 Annual Fee)https://www.americanexpress.com/us/c...referred-guest
Associated Credit Union Visa Platinum Preferred (no annual fee) http://www.acuonline.org/home/products/credit
Bank of America
Alaska Airlines Visa Signature cards, both personal and business ($75 Annual Fee) see the wikipost in this thread for signup links (which periodically change)
Amtrak Guests Rewards (two versions, one version with no annual fee) http://agr.amtrak.com/apply/
BankAmericard Travel Rewards (no annual fee; includes chip with online PIN as backup CVM) https://www.bankofamerica.com/credit...credit-card.go
Celebrity Cruises ($69 Annual Fee) https://www.bankofamerica.com/credit...credit-card.go
Barclays
Arrival Card ($0 Annual Fee) http://www.barclaycardarrival.com/ar...4&cellNumber=1
Arrival Plus Card ($89 Annual Fee) http://www.barclaycardarrival.com/
Carnival Cruises FunPoints ($0 Annual Fee) https://www.barclaycardus.com/apply/...2&cellNumber=2
Hawaiian Airlines ($89 Annual Fee) http://www.hawaiianairlinescard.com/
Lufthansa Miles & More Card ($79 Annual Fee, waived for certain miles & more members) https://www.barclaycardus.com/apply/...erid=BCSHP1214
Princess Cruises Card ($0 Annual Fee) https://www.barclaycardus.com/apply/...1&cellNumber=3
AAdvantage Aviator Red MasterCard ($89 Annual Fee; new applications not available)
Priceline Rewards ($0 Annual Fee)https://home.barclaycardus.com/cards...visa-card.html
Capital One --all cards http://www.capitalone.com/creditcard...ts/browse-all/ also see partner cards http://www.capitalone.com/creditcard...04_T_CCBRWPTNR
Chase
IHG Rewards Club Select ($49 fee, waived 1st yr, one free hotel night cert. yearly) https://creditcards.chase.com/credit...edit-card.aspx (previously known as Priority Club Select)
Hyatt ($75 annual fee, one free hotel night cert. yearly for category 1-4 hotels) https://creditcards.chase.com/credit...yatt-card.aspx
Marriott Rewards Premier ($85 annual fee, waived 1st yr, one free hotel night cert. yearly for category 1-5 hotels) https://creditcards.chase.com/credit...dit-cards.aspx
British Airways ($95 annual fee, 2-for-1 cert. after $30k annual spend) https://creditcards.chase.com/credit...edit-card.aspx
JP Morgan Select Visa (has both chip & signature and magnetic strip--$95 fee, waived 1st yr, has primary rental car coverage) https://creditcards.chase.com/credit...lect-card.aspx
Sapphire Preferred ($95 fee, waived 1st yr, 20% point discount on travel, 7% annual points bonus) https://creditcards.chase.com/credit...rred-card.aspx
United MileagePlus Club card ($395 annual fee, $100 statement credit, United Club membership, 2 free checked bags on UA, UA Premier Access) https://creditcards.chase.com/credit...edit-card.aspx
United MileagePlus Explorer card ($95 annual fee waived first year; 30K-55K sign-up bonus, depending on landing page offer [see UA forum for more info], free checked bag on UA, priority boarding on UA) https://creditcards.chase.com/credit...edit-card.aspx
Ink Bold Business ($95 annual fee, waived first year)
https://www.chase.com/online/busines...s/ink-bold.htm
Ink Plus Business ($95 annual fee, waived first year)
https://creditcards.chase.com/ink-bu.../ink-plus-card
Ritz-Carlton Rewards Credit Card (has both chip & signature and magnetic strip--$395 Annual fee. Has primary rental car coverage) https://creditcards.chase.com/credit...lton-card.aspx http://www.ritzcarltonrewardscard.com/home.php?pid=home
Citi
ThankYou Premier ($125 annual fee, waived 1st yr) https://www.citi.com/credit-cards/cr...er-credit-card
Prestige ($450 annual fee) https://www.citi.com/credit-cards/cr...-prestige-card
Executive AAdvantage ($450 annual fee) https://www.citi.com/credit-cards/cr...ite-mastercard
Expedia+ Voyager ($95 annual fee) https://www.citi.com/credit-cards/cr...a-plus-voyager
Hilton HHonors Reserve ($95 annual fee) https://www.citi.com/credit-cards/cr...s-reserve-card
AAdvantage Platinum MC ($95 annual fee, waived first year, retention offers may be possible subsequent years) -- as of 15 Nov 2015
Costco Anywhere Visa (no separate annual fee, requires a paid Costco Membership) https://www.citi.com/credit-cards/cr...sa-credit-card
Discover --all cards. no annual fee.
http://www.discovercard.com/credit-cards/
HSBC--several cards (But be careful--many of these cards have *very* low limits. The
Premier card, no annual fee, is a notable exception.) http://www.premiercardbenefits.com/1/2/3/
PenFed --all cards
examples:
Amex (no annual fee) https://www.penfed.org/productsandra...cards/amex.asp
Promise Visa (no annual fee) https://www.penfed.org/productsandra...romisecard.asp
Petal https://www.petalcard.com/ (Issued by WebBank, no AF, 1-1.5% cashback based on on timely payment, non-traditional approvals without credit scoring possible)
Navy Federal Credit Union --all cards
https://www.navyfederal.org/products...reditcards.php
Andrews FCU GlobeTrek Rewards Visa (No Annual Fee/Supports Chip & Pin) https://www.andrewsfcu.org/credit_ca...k_rewards.html
State Dept FCU Visa Platinum EMV Card (No Annual Fee/Supports Chip & Pin) https://www.sdfcu.org/emv-creditcards
San Francisco Fire Credit Union Platinum Visa (no annual fee) http://www.sffirecu.org/loans/credit-cards
Synchrony Bank/Cathay Pacific Signature Visa ($95 AF, no waiver, 1.5 Asia Miles per USD): https://us.cathaypacific.com/offers/credit-card/
Union Bank Graphite American Express ($99 annual fee, waived first year)
https://www.unionbank.com/personal-b...ards/index.jsp
**please check UA Fan's excellent list to see current bonus sign-up offers**
http://www.flyertalk.com/forum/miles...er-thread.html
USA Cards with no Foreign Transaction Fees
Jan 1, 2015, 11:45 pm
#421
FlyerTalk Evangelist
Join Date: Dec 2009
Location: HaMerkaz/Exit 145
Programs: UA, LY, BA, AA
Posts: 13,167
Only real way would be to use multiple cards at the same merchant at literally the same moment and spend the exact same amount. And do that multiple times, at different times of the day and days of the week to try and get a true sample of rates. Then check.
Or, just trust people on this board who have years of experience
Jan 2, 2015, 7:10 am
#422
Join Date: Nov 2014
Location: NYC
Posts: 581
That doesn't really work either as the rate changes throughout the day.
Only real way would be to use multiple cards at the same merchant at literally the same moment and spend the exact same amount. And do that multiple times, at different times of the day and days of the week to try and get a true sample of rates. Then check.
Or, just trust people on this board who have years of experience
Only real way would be to use multiple cards at the same merchant at literally the same moment and spend the exact same amount. And do that multiple times, at different times of the day and days of the week to try and get a true sample of rates. Then check.
Or, just trust people on this board who have years of experience
For example, does the UNFCU Azure charge more than the BoA Travel Rewards for foreign transactions, or is it the same?
Jan 2, 2015, 10:04 am
#423
Join Date: Jan 2003
Location: NYC
Posts: 8,517
That said, not all card issuers use the same forex rates. My understanding is that Visa/MC do the conversion for some card issuers, but other issuers do the conversion themselves. Based on my own tests and tests done by friends of mine (e.g., taking out 100 euros from the same ATM using 3-4 different no-FTF ATM cards within a minute or two of each other, or splitting up a hotel bill in three equal parts spread across three different credit cards), it would seem Citi is one that falls in the latter category, and on average gets slightly better forex rates than the standard Visa/MC conversion rates used by other issuers (Schwab, CapOne, PenFed). But our data sample is pretty limited, and YMMV. At the end of the day, it's very unlikely that any one card issuer is going to have more than a 1% better rate on average, so as long as you have a no-FTF card, you're probably in fine shape.
Jan 2, 2015, 10:55 am
#424
Join Date: Nov 2014
Location: NYC
Posts: 581
The answer to your first question is generally yes. If a card says no fee, the issuer isn't charging a fee and Visa/MC/Amex aren't charging a network fee either. There were some class action lawsuits a few years ago that effectively put an end to the hidden fees/markups.
That said, not all card issuers use the same forex rates. My understanding is that Visa/MC do the conversion for some card issuers, but other issuers do the conversion themselves. Based on my own tests and tests done by friends of mine (e.g., taking out 100 euros from the same ATM using 3-4 different no-FTF ATM cards within a minute or two of each other, or splitting up a hotel bill in three equal parts spread across three different credit cards), it would seem Citi is one that falls in the latter category, and on average gets slightly better forex rates than the standard Visa/MC conversion rates used by other issuers (Schwab, CapOne, PenFed). But our data sample is pretty limited, and YMMV. At the end of the day, it's very unlikely that any one card issuer is going to have more than a 1% better rate on average, so as long as you have a no-FTF card, you're probably in fine shape.
That said, not all card issuers use the same forex rates. My understanding is that Visa/MC do the conversion for some card issuers, but other issuers do the conversion themselves. Based on my own tests and tests done by friends of mine (e.g., taking out 100 euros from the same ATM using 3-4 different no-FTF ATM cards within a minute or two of each other, or splitting up a hotel bill in three equal parts spread across three different credit cards), it would seem Citi is one that falls in the latter category, and on average gets slightly better forex rates than the standard Visa/MC conversion rates used by other issuers (Schwab, CapOne, PenFed). But our data sample is pretty limited, and YMMV. At the end of the day, it's very unlikely that any one card issuer is going to have more than a 1% better rate on average, so as long as you have a no-FTF card, you're probably in fine shape.
Jan 5, 2015, 1:50 pm
#425
FlyerTalk Evangelist
Join Date: Dec 2009
Location: HaMerkaz/Exit 145
Programs: UA, LY, BA, AA
Posts: 13,167
"No FTF" means just that.
Regarding the rates, even if they use Visa's rate of Amex's rate or MC's rate, the rates can be different depending on the issuer based on the posting. Do they use the rate at the time of the transaction? Time of transaction posting? A daily rate?
Jan 6, 2015, 10:20 am
#426
Join Date: Jan 2003
Location: NYC
Posts: 8,517
According to Visa's forex faq, the rate for transactions converted by Visa changes daily and is set the day before transactions are processed.
Jan 16, 2015, 4:13 am
#427
Join Date: Jan 2009
Posts: 51
Looks like we can add Barclays US Airways to this list after the emails that went out yesterday:
Goodbye Foreign Transaction Fees
Now you can enjoy purchases with no foreign transaction fees when you use your US Airways Dividend Miles MasterCard in Dublin, Paris, or Shanghai. In fact, no matter where you shop abroad, you'll enjoy this new benefit.
It's just a shame we don't yet know for sure whether this benefit will transfer to the AA Aviator Red cards that these cards are supposed to be transitioning to later this year. But here's hoping!
Goodbye Foreign Transaction Fees
Now you can enjoy purchases with no foreign transaction fees when you use your US Airways Dividend Miles MasterCard in Dublin, Paris, or Shanghai. In fact, no matter where you shop abroad, you'll enjoy this new benefit.
It's just a shame we don't yet know for sure whether this benefit will transfer to the AA Aviator Red cards that these cards are supposed to be transitioning to later this year. But here's hoping!
Jan 17, 2015, 4:38 pm
#428
Join Date: Jan 2010
Location: DCA/RIC
Programs: HH LTD, AA LTG
Posts: 1,015
I saw this posted on a couple blogs IRT Barclays US Airways MC referencing an e-mail.
"Now you can enjoy purchases with no foreign transaction fees when you use your US Airways Dividend Miles MasterCard in Dublin, Paris, or Shanghai. In fact, no matter where you shop abroad, youll enjoy this new benefit."
This card not listed in the wiki. I have this card and did not (yet) get the e-mail or snail mail notification so did not update the wiki. Anyone here get this notification or able to confirm?
"Now you can enjoy purchases with no foreign transaction fees when you use your US Airways Dividend Miles MasterCard in Dublin, Paris, or Shanghai. In fact, no matter where you shop abroad, youll enjoy this new benefit."
This card not listed in the wiki. I have this card and did not (yet) get the e-mail or snail mail notification so did not update the wiki. Anyone here get this notification or able to confirm?
Jan 17, 2015, 4:55 pm
#429
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Signatures.
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 49,032
Yes. See the immediately preceding post in this thread, and also click here:
http://www.flyertalk.com/forum/24173670-post1342.html
http://www.flyertalk.com/forum/24173670-post1342.html
Jan 17, 2015, 6:33 pm
#430
Join Date: Sep 2008
Location: Long Island, NY
Programs: Marriott Titanium Elite/Lifetime Titanium, Delta Platinum Medallion, Hertz #1 Gold
Posts: 724
I only updated the Wiki because it wasn't updated for a while(Heck I didn't even start the thing). Go ahead and update if you have updated info(I don't have any Barclays or US Airways CC's).
Feb 12, 2015, 9:53 am
#431
Join Date: Oct 2014
Location: Portland, OR, USA
Programs: Delta + United Airmiles
Posts: 703
www.spotterswiki.com/emv/
ideally the chart that is not current in this thread should be merged into that database and this chart retired. I am not a candidate, just an observer.
Apr 22, 2015, 10:31 pm
#433
Join Date: Feb 2013
Location: Miami, FL
Programs: UA 1MM, AA Plat, Marriott LT Titanium, Hyatt Glob, IHG ♢ Amb, Hilton ♢, Hertz Pres
Posts: 6,026
Since there is now a much more current and very capable dynamically filtered database with an easy means to submit updates that should help with accuracy:
www.spotterswiki.com/emv/
ideally the chart that is not current in this thread should be merged into that database and this chart retired. I am not a candidate, just an observer.
www.spotterswiki.com/emv/
ideally the chart that is not current in this thread should be merged into that database and this chart retired. I am not a candidate, just an observer.
Nov 15, 2015, 9:32 am
#434
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,947
The 0% forex on Citi AA Platinum MC cards just went live this morning (15 Nov 2015). I see it in my Benefits page when logged into my Citi AA Plat card account. I added it to the wiki, but I don't know of an official benefits page that lists this benefit yet so I didn't provide a link to that.
The link to the FT thread which discusses this card is:
The link to the FT thread which discusses this card is:
Jun 4, 2016, 12:21 pm
#435
Join Date: Dec 2011
Posts: 101
Best "no foreign transaction fee" card - Quicksilver?
I need a credit card that doesn't charge a foreign transaction fee.
I am a UA 1MM and don't see any benefit of the UA cards. Also, not for the united club card.
I prefer a no annual fee card unless there is some real good benefit with it.
Quciksilver appears to give 1.5% cashback and 0% foreign transaction fee.
Is this a good choice? What other cards should I look into?
I am a UA 1MM and don't see any benefit of the UA cards. Also, not for the united club card.
I prefer a no annual fee card unless there is some real good benefit with it.
Quciksilver appears to give 1.5% cashback and 0% foreign transaction fee.
Is this a good choice? What other cards should I look into?