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FlyerTalk Forums (https://www.flyertalk.com/forum/index.php)
-   MilesBuzz (https://www.flyertalk.com/forum/milesbuzz-370/)
-   -   Best card for foreign exchange? (https://www.flyertalk.com/forum/milesbuzz/401958-best-card-foreign-exchange.html)

ajnaro Feb 15, 2007 9:54 am
I called Wells Fargo and after talking to a half dozen representatives I got the following answer: the Signature Rewards card is not available to the general public. Wells Fargo reviews its card holder base every once in a while and offers this card only to account holders it deems worthy.

alemdohorizonte Feb 15, 2007 5:52 pm
Originally Posted by themicah (Post 7228738)
Is that for the Enhanced Rewards, Prime Rewards or By Invitation Only version?
i have the private banking (private issue) one but i think all of their signature visa cards all have the same terms and conditions (meaning no forex fees). the double points on travel and entertainment expenses is a very good benefit as it essentially doubles the cash back.

alemdohorizonte Feb 15, 2007 6:00 pm
Originally Posted by ajnaro (Post 7229441)
I called Wells Fargo and after talking to a half dozen representatives I got the following answer: the Signature Rewards card is not available to the general public. Wells Fargo reviews its card holder base every once in a while and offers this card only to account holders it deems worthy.
i don't think it is that exclusive. to get the private issue version you have to be with their private bank (qualifying for their private bank is not very difficult) but the wells fargo "regular" signature card is much more readily available. if you have an account with wells fargo you can ask the branch manager (or your personal banker if you have one) to help you get it. several of my friends with regular accounts have been approved with no problems.

bluester Feb 19, 2007 8:56 pm
Originally Posted by sdflyer04 (Post 7216032)
Can anyone compare the exchange rates used by Capital One 1% cash back card versus the exchange rates used by Pentagon Fed. 1.25% cash back card? Pentagon Fed. charges a 1% fee for foreign currency exchange while Capital One doesn't charge a foreign currency transaction fee at all. My question is whether Capital One makes back the 1% in the exchange rate? I'm about ready to get one of these two cards for use during a family trip to Europe over the summer. Any thoughts would be appreciated. Thanks.
I use the Pentagon Federal card, and the exchange rates are pretty much spot-on with the interbank rates. Only the standard 1% fee, and then you get 1.25% back. customer service is great - have called a few times with no problems.

lilla Feb 20, 2007 11:18 am
Best card for foreign exchange?
 
I use my USAA card and never had problem.

DH Feb 20, 2007 12:46 pm
Originally Posted by lilla (Post 7259918)
I use my USAA card and never had problem.
Ditto.

Jenniferpa Feb 22, 2007 8:28 am
I have a question, which I'm sure has already been asked and answered, but the search seems to not be working at the moment.

My USA issued atm Visa Plus card (National "I hate this bank" City) charges a 3% foreign transaction fee. Don't like it, need to get another card blah, blah, blah, but at least I know about it. However, I am unable to find out (short of putting the card in a machine) exactly how much any given bank in the UK might charge me to make an ATM withdrawal. Can anyone point me in the right direction?

As I say, I'm sure it's been asked and answered, so apologies.

Jennifer

mia Feb 22, 2007 8:44 am
Originally Posted by Jenniferpa (Post 7272881)
... exactly how much any given bank in the UK might charge me to make an ATM withdrawal. Can anyone point me in the right direction?
Generally there is no charge added by the ATM owner in the UK. (This applies to bank owned ATMs, not private machines.) The card issuer may charge a transaction fee in addition to the foreign currency fee, but you should be able to determine these amount beforehand.

Jenniferpa Feb 22, 2007 8:48 am
Thank you very much.

Incidentally, in case it happens to anyone else, I did have a situation last month when a UK store refused to accept my Visa card because it wasn't a chip and pin. Has that happened to anyone else? I reported it to both Visa, and the chip and pin people but never heard back from either of them.

Ignore this last question: I just found the correct thread

Quokka Feb 22, 2007 12:13 pm
Originally Posted by lilla (Post 7259918)
I use my USAA card and never had problem.
And just what the heck is that supposed to mean? That's not an exactly useful statement. What type of USAA card wasn't specified, nor the type of transactions it was used for, nor the costs related to the fx transaction mentioned.

USAA issues debit cards, as well as Visa, Mastercard and even Amex branded credit cards now. It appears USAA charges a 1% fee for credit card transactions in a foreign currency for all of their credit card products.

mallu2u Feb 23, 2007 11:04 am
How much does Amex charge for conversion? United Visa card by Chase bank charges 3%

stimpy Feb 23, 2007 11:48 am
I would expect that Amex's are all different. Different countries, different cards. One of my Amex's is 2% and I don't know the other.

Boraxo Feb 23, 2007 12:03 pm
All Wells Fargo cards have a 3% surcharge. Check your statement next time and you'll see it.

TriscuiT Feb 23, 2007 12:05 pm
NASA Federal Credit Union offers two VISA cards that charge the 1% Foreign Transaction Fee but do not appear to have any other added fees.

http://www.nasafcu.org/l2.aspx?ci=405
Foreign Transactions — Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

A fee of 1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the U.S., Puerto Rico or the U.S. Virgin Islands.
As with all credit unions, you must be in the "field of membership" in order to join. NASA Federal Credit Union offers membership to people who belong to certain associations. The National Space Society is a little as $18US to join.

themicah Feb 23, 2007 12:16 pm
Originally Posted by mallu2u (Post 7280200)
How much does Amex charge for conversion? United Visa card by Chase bank charges 3%
Once again, I wish there was a way to make a sticky within a thread.

The vast majority of US-issued cards (including Amex and Chase) are listed here:

http://flyertalk.com/wiki/index.php/...reign_Exchange

Originally Posted by stimpy (Post 7280493)
I would expect that Amex's are all different. Different countries, different cards. One of my Amex's is 2% and I don't know the other.
In the US, consumer Amex cards have been 2% for a long time. Corporate Amex cards have been moving to 2.5% (I got a notification for my corporate card recently). I'm not sure whether the consumer cards will follow or not.


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