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GM Extended Family Card
GM Extended Family Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for the first 9 months Intro Purchase APR
At a Glance
Earn 1% in rewards points on all purchases towards the purchase of a new Chevrolet, GMB, Buick, and Cadillac or redeem for cash back in $50 increments. Earnings from the GM Extended Family Card can be combined with GM Employee or Supplier discounts.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Get $100 in Earnings to redeem at GM when you spend $1,000 in your first 3 months
- 1% Earnings on all purchases
- 0% Intro APR on purchases for first 9 months
- Intro Purchase APR: 0% for the first 9 months
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
- You're an employee or supplier of General Motors
- You have family members whose spending could help expedite earning accumulation
- You regularly upgrade to newer vehicles or plan to purchase one in seven years
- You want a credit card with no annual fees
Ollo Platinum Card
Ollo Platinum Card
- 23.99% to 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 23.99% to 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 23.99% to 28.99% variable based on creditworthiness Cash Advance APR
At a Glance
No annual fee. Free FICO® scores. No surprise fees. The Ollo Platinum Card offers peace of mind as you build (or repair) your credit; take advantage of low interest, no extra fees to cut into your saving, and no rate hikes when you make a late payment.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee, no foreign transaction fees
- Automatic credit line increase reviews
- Zero Fraud Liability
- Online and mobile access, 24/7 U.S. based customer service
- Regular Purchase APR: 23.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 23.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 23.99% to 28.99% variable based on creditworthiness
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $0 to $39
- Late Payment Penalty Fee: Up to $40
- You want a card with no surprise fees
- You want Zero Fraud Liability
- You want to build your credit score, or repair it
- You want a card with 24/7 customer service and online account access
Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
- 19.99% - 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.99% - 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for the first 15 months from date of account opening Intro Purchase APR
At a Glance
A younger sibling to the Savor® Rewards version, the Capital One SavorOne Cash Rewards Credit Card also highlights cash back on dining and entertainment while also extending an appealing 0% introductory APR offer.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards
- Cash back wo't expire for the life of the account and there's no limit to how much you can earn
- No foreign transaction fee
- No annual fee
- You're covered by $0 Fraud Liability if your card is ever lost or stole
- Intro Purchase APR: 0% for the first 15 months from date of account opening
- Regular Purchase APR: 19.99% - 29.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 15 months from date of account opening
- Balance Transfer APR: 19.99% - 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer posted during the first 15 months from account opening. None for transfers that post thereafter
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Late Payment Penalty Fee: Up to $40
- You frequently dine out or make purchases in the entertainment category
- You want a cash back credit card with no annual fee and no foreign transaction fees
- You plan to pay for your groceries with a credit card over cash or debit
- You're looking for exclusive cardmember perks that give access to unique experiences not available to the public
American Express Platinum Card® for Schwab
American Express Platinum Card® for Schwab
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The American Express Platinum Card® for Schwab offers cardholders an impressive 5x Membership Rewards® points on flights and prepaid hotels on amextravel.com and the ability to earn up to 80,000 Membership Rewards® points within the first three months of their card membership. Factor in other perks, such as airport lounge access through the American Express Global Lounge Collection, and this card is a powerful rewards tool for the frequent traveler.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $100 Card statement credit if your qualifying Schwab holdings are equal to or greater than $250,000
- $200 Card statement credit if your qualifying Schwab holdings are equal to or greater than $1,000,000
- 5X points on bookings through Amextravel.com
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greate
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $695
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You travel often and can take advantage of a myriad of benefits including access to airport lounges and Uber credits
- You intend to sign up for Global Entry or TSA Pre?®
- You prefer airline flexibility when redeeming their points for travel
- You're likely spend $6,000 within their first six months on your new card
- You'll take advantage of exclusive events and experiences available only to Platinum cardholders
- You're a Schwab investor
Notre Dame PRO Credit Card
Notre Dame PRO Credit Card
- 21.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Notre Dame PRO Mastercard is a co-branded cash back credit card from Deserve and Celtic Bank. The card offers up to 3% cash back on select purchases, plus the opportunity for Priority Pass Select after meeting minimum spending requirements.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 3% cash back on travel purchases and 2% back on dining
- Regular Purchase APR: 21.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37
- You want a card with no annual fee and no foreign transaction fees
- You're a proud University of Notre Dame Fighting Irish alumnus
- You want a basic cash back credit card
- You want fringe benefits, including cell phone protectio
Citi® / AAdvantage® Executive World Elite Mastercard®
Citi® / AAdvantage® Executive World Elite Mastercard®
- 20.99% - 29.99% (Variable) Regular Purchase APR
- 20.99% - 29.99% (Variable) Balance Transfer APR
- 29.99% (Variable) Cash Advance APR
At a Glance
Frequent American Airlines flyers will fawn over the perks available to them through the Citi® / AAdvantage® Executive World Elite Mastercard®, including access to high-end airport lounges and sizable discounts on in-flight purchases. The Citi® / AAdvantage® Executive World Elite Mastercard® is a top-notch airline rewards credit card that should be in strong consideration for every traveler’s wallet.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
- Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
- No Foreign Transaction Fees on purchases
- Earn 1 Loyalty Point for every 1 eligible mile earned from purchases
- First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservatio
- Regular Purchase APR: 20.99% - 29.99% (Variable)
- Balance Transfer APR: 20.99% - 29.99% (Variable)
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $450
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You fly often on American Airlines and want to earn miles and discounts when spending on your travels with you
- You commute through an airport that has an Admirals Club® lounge and wish to unwind before or after your trips
- You're likely to spend $5,000 on your card in the next 3 months, earning you a bonus 50,000 American Airlines AAdvantage® miles
- You want a card with no foreign transaction fees
All In Platinum Card
All In Platinum Card
- 9.99% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 9.99% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The All In Platinum Card is a very good balance transfer Mastercard from All In Credit Union. The card offers a competitively low APR for purchases, cash advances, and balance transfers, as well as no annual fees or fees for balance transfers. While the card lacks rewards, it more than makes up for it with its versatility, meaning it is ideal for carrying a balance or financing more significant purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Travel and death protection
- No balance transfer fee
- Low APR
- Regular Purchase APR: 9.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 9.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: 3% of each advance transactio
- Foreign Transaction Fee: 1.10% of each transaction in U.S. dollars
- Late Payment Penalty Fee: $29.00
- Return Payment Penalty Fee: Up to $29
- You're already a member of the All In Credit Union
- You want a reliable balance transfer credit card
- You don’t want to pay an annual fee for a good, low APR card
Ollo Rewards Card
Ollo Rewards Card
- 23.99% to 28.99% variable based on creditworthiness Regular Purchase APR
- 23.99% to 28.99% variable based on creditworthiness Balance Transfer APR
- 23.99% to 28.99% variable based on creditworthiness Cash Advance APR
At a Glance
Earning unlimited cash back has never been easier thanks to the Ollo Rewards Mastercard; earn more from every dollar you spend and save money even as you make everyday purchases. Cardholders will earn 2% cash back on gas, groceries, and drugstore purchases in addition to 1% back on everything else and no surprise fees or penalty APRs. This is how to build credit – the right way.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Low, competitive annual fee
- Unlimited 2% cash back on gas station, grocery store and drugstore purchases. 1% cash back on all other purchases.
- No foreign transaction fees, no over the limit fees, no returned payment fees
- Zero Fraud Liability
- Regular Purchase APR: 23.99% to 28.99% variable based on creditworthiness
- Balance Transfer APR: 23.99% to 28.99% variable based on creditworthiness
- Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each Balance Transfer, whichever is greater
- Cash Advance APR: 23.99% to 28.99% variable based on creditworthiness
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater
- Annual Fee: $0 to $39
- Late Payment Penalty Fee: Up to $40
- You want a card with no surprise fees
- You want Zero Fraud Liability
- You are looking to build your credit score, or repair it, while earning up to 2% unlimited cash back
- You want a card with 24/7 customer service and online account access
Capital One Spark Cash Plus
Capital One Spark Cash Plus
At a Glance
The Capital One Spark Cash Plus offers unlimited 2% cash back, complimentary employee cards, and no preset spending limit. The business card, from Capital One, also features no foreign transaction fees and no hidden penalty fees, for an annual fee of $150.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
- Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Earn an annual $200 cash bonus every year you spend $200,000 or more-that's enough to cover your annual fee and then some
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Annual Fee: $150
- Late Payment Penalty Fee: 2.99% of the unpaid portion of your minimum payment
- You want the flexibility of a business card with no preset spending limit
- You want accelerated cash back on all purchases, without category restrictions
- You plan to issue multiple employee cards
- You want a card with no foreign transaction fees
First Tech® Federal Credit Union Platinum Secured Mastercard®
First Tech® Federal Credit Union Platinum Secured Mastercard®
- 14% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
If you are looking to build or rebuild your credit, then the Platinum Secured Mastercard® from First Tech Federal Credit Union may be the right fit. It offers a low-interest rate and the opportunity to earn rewards on every purchase. Furthermore, there is no annual fee for this card. Keep reading to learn more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No fees on foreign transactions or cash advances
- Earn 1 rewards point for every $1 spent
- Low APR
- Regular Purchase APR: 14% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 15% to 18.00% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- Minimum Deposit Required: $500
- You need to build up your credit score
- You do not qualify for a non-secured credit card
- You want to earn rewards points on your purchases
- You don’t want to pay an annual fee or fees for balance transfers, cash advances, and foreign transactions
You've viewed 5 of 149 credit cards
What Are Foreign Transaction Fees?
When planning an international trip, it’s crucial to consider how you’ll handle expenses and currency exchange. One aspect that travelers need to be aware of is the concept of foreign transaction fees. Foreign transaction fees are charges imposed by credit card issuers for purchases made in a foreign currency or with a foreign merchant.
Impact of Foreign Transaction Fees on International Spending
Foreign transaction fees are charges that credit card companies add to purchases made in a foreign currency. These fees are usually a percentage of the total transaction amount, typically around 3%. While this may not seem like much, it can quickly add up, especially if you use your card frequently during international travel.
For example, let’s say you’re on a two-week trip to Europe and use your credit card for most of your purchases. If you spend $2,000 during your trip, you could pay an additional $60 in foreign transaction fees. That money could be better spent exploring new sights or trying delicious local cuisine. By using a credit card with no foreign transaction fee, you can avoid these unnecessary charges and keep more money in your pocket.
Benefits of No Foreign Transaction Fee Cards
Using a credit card with no foreign transaction fee offers numerous benefits for international travelers:
Save Money Abroad
One of the biggest advantages of using no foreign transaction fee credit cards is the potential to save money on purchases made overseas. With these card types, you can avoid the additional fee that is typically charged – up to 3% of each transaction – whether you’re traveling abroad or making an online purchase from a merchant outside of the U.S. This, in turn, can add up to significant savings, especially for frequent travelers or individuals who frequently make international purchases.
Convenience
In addition to the cost savings, no foreign transaction fee credit cards also provide a great deal of convenience. Instead of carrying large amounts of cash or going through the hassle of exchanging currency, you can rely on your credit card for all your purchases. This not only streamlines your travel experience but also offers added security. Credit cards come with built-in protection against theft or loss, and if your card is stolen or misplaced, you can easily report it and have it replaced, ensuring peace of mind throughout your journey.
Earn Rewards Overseas
Another benefit of these cards is the opportunity to earn cash back or other rewards. By selecting a card that charges no foreign transaction fee and offers rewards, such as points, miles, or cash back, you can maximize the value of your spending. It is important, however, to choose a credit card that aligns with your spending habits to ensure that you can make the most of the rewards and make your money go further.
Tips for Maximizing Savings with a No Foreign Transaction Fee Credit Card
Using a credit card with no foreign transaction fee is an excellent way to save money on international travel. However, there are additional steps you can take to maximize your savings further and avoid unnecessary fees. Here are some tips to help you make the most of your new card:
- Avoid using ATMs: Withdrawing cash from ATMs abroad can come with fees, including foreign ATM fees and currency conversion fees. Instead, try to use your credit card for most of your purchases or consider bringing a small amount of local currency with you.
- Use contactless payments: Many credit cards now offer contactless payment options, such as Apple Pay or Google Pay. These payment methods are not only convenient but also secure, as they use tokenization to protect your card information.
- Take advantage of travel insurance: Some credit cards with no foreign transaction fee also offer additional travel insurance as a perk. Before purchasing additional travel insurance, check if your credit card provides coverage for trip cancellation, lost baggage, or medical emergencies.
Alternatives to No Foreign Transaction Fees
Dynamic Currency Conversion
Dynamic currency conversion is a newer process that effectively replaces foreign transaction fees. It allows travelers to be charged in dollars while traveling abroad. When purchasing abroad, a foreign merchant may offer to charge you in dollars instead of the local currency. This provides the customer with a better understanding of the cost.
Dynamic currency conversions (DCC) seem beneficial, but the process comes with plenty of potential headaches:
- Additional fees: Dynamic currency conversion comes with additional fees. The fee for this type of transaction may rise as high as 7% of the total in dollars, making it potentially significantly more expensive than foreign transaction fees.
- Poor exchange rate: DCC often offers less favorable exchange rates than those provided by your home bank or credit card company, which can result in higher costs for the consumer.
- You might pay twice: Dynamic currency conversion transactions can sometimes involve double currency conversion, where the foreign currency is first converted to the local currency and then back to the consumer’s home currency.
Prepaid or Debit Cards
If you’re not comfortable using credit cards or prefer to avoid accruing debt, consider getting a debit card with no foreign transaction fees. These cards function similarly to credit cards but draw funds directly from your bank account. Additionally, prepaid cards can be a good option if you want to lock in a favorable exchange rate or have a strict budget.
Conclusion
No foreign transaction fee credit cards are a valuable tool for international travelers looking to save money and simplify their payment methods. By choosing a card with no foreign transaction fees, you can avoid unnecessary charges and keep more money in your pocket. Remember to consider factors such as annual fees, rewards programs, and acceptance abroad when selecting a card. With the right no foreign transaction fee credit card in hand, you can have a worry-free travel experience and focus on creating unforgettable memories.
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Travel Rewards Credit Cards
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