- #Discover cash back foreign transaction fee full#
- #Discover cash back foreign transaction fee plus#
- #Discover cash back foreign transaction fee free#
Penfed Platinum - 5% gas with a PIN that comes in handy when in EuropeĬhase Sapphire Preferred - 2X points at restaurantsĬiti Prestige - 3X hotels (unless I have a branded card)
#Discover cash back foreign transaction fee plus#
I use multiple cards to maximize rewards, plus churn through several signup bonuses a year.Īmex Blue Cash Preferred - 6% grocery, 3% department store cash back Skip the Preferred since it has a 3% FTF. The AA cards are also good if you fly AA or just want to churn them for the miles. If you don't want to do the $450 annual fee, the Premier also has a 50K signup bonus and an annual fee waiver for the first year, but none of the other benefits of the Prestige. 3X points for travel and 2X for dining are quite good too. It earns Thank You Points which are worth at least 1 cent each, or 1.6 cents if you redeem for AA airfare. The normal signup bonus is 50K points for $3000 in 90 days - I've heard rumors of targeted 100K offers.
#Discover cash back foreign transaction fee free#
You do get a calendar year $250 airline credit ($500 first membership year if you apply mid-year), AA Lounge access w/ 2 guests (when flying AA), Priority Pass lounge access (with 2 guests), $100 Global Entry reimbursement, 4th night free at any hotel, three free rounds of golf a year, premium membership with multiple car rental agencies. I understand Citi banking customers can get that down to $350 in branch. The Prestige (World Elite MC) has awesome benefits, but the annual fee is a hefty $450 and NOT waived the first year. Annual fee is waived the first year and you get a free night every year on your anniversary which easily covers the annual fee of $49.Ĭiti seems to be mainly issuing MC these days - at least for their Thank You Point cards. Apparently IHG had an existing relationship with MC. They throw me the occasional $100 cash back for spending $1000, so I keep the Discover alive.Ĭitibank and Chase seem to be the best rewards these days.Ĭhase issues primarily Visa - the only exception I know of is the IHG (Holiday Inn) card. It does save me $2.50 a month on my NHL Gamecenter subscription. Discover is apparently quite useful in China, but I have not been there.
I've never run into only MC or only Visa out of the country. Costco will soon be Visa only when their agreement with Amex ends next month. The only places I have run into that will take Visa or MC, but not both, is one of the dollar store type chains in the US. Interest rates are not something I need to worry about. I am capable of handling more than one credit card at a time.
#Discover cash back foreign transaction fee full#
I am a responsible spender with no credit issues, and always pay off my balances in full each statement period. Offers rewards of some sort (redeemable for cash back preferred) If it is suggested that I do also carry a MasterCard, can you provide me with any suggestions? Ideally, I would look for: While abroad, how likely is it to encounter a merchant who may accept MasterCard, but not Visa? In the US, any merchant that accepts credit cards will accept either of the two (or at least I have not encountered an exception yet). That is why I got a Capital One Visa card with less, but still good enough, rewards. Discover offers great benefits and rewards, but I know Discover's acceptance abroad is expected to be even spottier than it already is in the US. I do have a Capital One Visa card and a Discover card - both have no foreign transaction fees.
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