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USAA Secured American Express® Credit Card
USAA Secured American Express® Credit Card
- 27.9% variable based on the Prime Rate Regular Purchase APR
- 27.9% variable based on the Prime Rate Balance Transfer APR
- 27.9% variable based on the Prime Rate Cash Advance APR
At a Glance
The USAA Secured American Express® Credit Card can help you establish a positive credit history with regular payments and responsible use. The card benefits from no fees for foreign transactions and no annual fee for membership.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Build credit with on time payments and responsible use
- Regular Purchase APR: 27.9% variable based on the Prime Rate
- Balance Transfer APR: 27.9% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each Balance Transfer.
- Cash Advance APR: 27.9% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of each Cash Advance. Fee waived when transferring funds electronically to a USAA deposit account.
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
- Minimum Deposit Required: $250
- You qualify for USAA membership
- Your credit history is damaged or non-existent
- You do't want to pay an annual fee
Citizens Private Client™ World Elite Mastercard®
Citizens Private Client™ World Elite Mastercard®
- 18.99% to 26.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.99% to 26.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Citizens Private Client™ World Elite Mastercard® provides Citizens Banks best cash back rewards and more. Earn 2% back on all purchases and enjoy lounge access, priority security, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn an unlimited 2% back on all purchases
- No annual fee with a Citizens Private Client™ account
- No foreign transaction fees
- TSA Precheck or Global Entry statement credits
- Priority Pass Select
- Regular Purchase APR: 18.99% to 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.99% to 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $195 ($0 for Citizens Private Client™ clients)
- Late Payment Penalty Fee: $41
- You want to earn 2% back on all purchases
- You are an existing Citizens Private Client™ client
- You plan to travel and make use of lounge access
- You want TSA Precheck or Global Entry to speed through airport security
Citi® AAdvantage® Platinum Select® World Elite™ Mastercard®
Citi® AAdvantage® Platinum Select® 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
The Citi® AAdvantage® Platinum Select® World Elite™ Mastercard® is perfect If you travel often via American Airlines and want to rack up bonus miles for in-flight purchases and everyday expenses like gas and restaurants, the Citi® AAdvantage® Platinum Select® World Elite™ Mastercard® credit card is an option worth considering.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening
- Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
- Earn 1 Loyalty Point for every 1 eligible mile earned from purchases
- Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card
- No Foreign Transaction Fees
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
- Enjoy preferred boarding on American Airlines flights
- Regular Purchase APR: 20.99% - 29.99% (Variable)
- Balance Transfer APR: 20.99% - 29.99% (Variable)
- Balance Transfer Transaction Fee: Either $5 or 5% 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 creditworthiness and the Prime Rate
- Annual Fee: $0 for the first year. After that, $99
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You're an American Airlines loyalist and are searching for a quick means of earning AAdvantage® miles
- You value an intro bonus of 50,000 American Airlines AAdvantage® miles for making just $2,500 in purchases within the first 3 months of opening your account
- You want a card that doesn’t charge annual fees for the first 12 months, or foreign transaction fees – ever
Capital One Spark Miles for Business
Capital One Spark Miles for Business
- 25.99% variable based on the Prime Rate Regular Purchase APR
- 25.99% variable based on the Prime Rate Balance Transfer APR
- 31.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Capital One Spark Miles for Business card shines in both the strength and simplicity of its features, namely earning an unlimited two miles for every dollar spent on all purchases. Combine that with its special introductory signup offer and no foreign transaction fees, and you’ve got a card that companies will be clamoring for.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5X miles on hotel and rental car bookings through Capital One Travel
- Earn unlimited 2X miles per dollar on every purchase
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months
- Rewards miles do not expire and can be redeemed without blackouts or seat restrictions
- Additional employee cards at no cost, which also earn unlimited 2% cash back on all purchases
- Regular Purchase APR: 25.99% variable based on the Prime Rate
- Balance Transfer APR: 25.99% variable based on the Prime Rate
- Cash Advance APR: 31.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Penalty APR: 34.4% variable based on the Prime Rate
- Annual Fee: $0 for the first year. After that, $95
- Late Payment Penalty Fee: Up to $39
- You travel frequently and can maximize the miles that can be earned
- You're eager to earn an unlimited 2X miles on all purchases, every day
- You want a huge introductory bonus that requires considerable spending within the first three months of being a cardholder
- You want a business card with no foreign transaction fees
Marriott Bonvoy Bountiful Card
Marriott Bonvoy Bountiful Card
- 21.49% to 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.49% to 28.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Marriott Bonvoy Bountiful Credit Card earns big rewards but has a bigger price tag. The card earns up to 18.5X on Marriott stays, 4X on dining and groceries, and 2X on everything else but charges a $250 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to 18.5X total points for every $1 spent at hotels participating in Marriott Bonvoy
- Earn 4X points per $1 on the first $15,000 spent in combined purchases each year on grocery stores and dining
- Earn 2X points per $1 spent on all other purchases
- 1,000 Bonus Points per each stay at a hotel participating in Marriott Bonvoy
- Receive 15 Elite Night Credits per calendar year and automatic Gold Elite status each account anniversary year as a cardmember
- Regular Purchase APR: 21.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You plan to stay at Marriott properties often
- You spend heavily on groceries and dining purchases
- You don't want to pay foreign transaction fees
U.S. Bank Altitude Go Visa Secured Card
U.S. Bank Altitude Go Visa Secured Card
- 29.99% variable based on the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The U.S. Bank Altitude Go Visa Secured Card offers 4X points on dining and takeout, 2X on groceries, gas, and streaming, and a $15 streaming statement credit – all for no annual fee. Cardholders also have the opportunity to automatically graduate to the unsecured Go Visa Signature with good financial habits and credit score growth.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 4X points on dining and takeout
- Earn 2X points on groceries, gas, and streaming services
- Earn 1X points on all other purchases
- No annual fee
- No foreign transaction fees
- Regular Purchase APR: 29.99% variable based on the Prime Rate
- Balance Transfer APR: 29.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- Minimum Deposit Required: $300
- You have bad credit or no credit history
- You want the chance to graduate to a lucrative no annual fee, unsecured rewards card
- You want to earn 4X points on dining
- You don’t want to pay an annual fee or foreign transaction fees
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
U.S. Bank Shopper Cash Rewards™ Visa Signature® 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 Rateq Cash Advance APR
At a Glance
The US Bank Shopper Cash Rewards™ Visa Signature® Card provides cardholders with the power of 24 store cards in one for a $95 annual fee. The card earns 6% cash back at two retailers of the cardholder’s choice, with brands including Apple, Kohl’s, Target, Amazon, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to 6% cash back at your favorite stores
- Earn 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category
- Earn 1.5% back on all eligible purchases
- No annual fee for the first year; $95 after that
- 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
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rateq
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Annual Fee: $0 for the first year; $95 thereafter
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You spend heavily with several retail brands
- You don’t want multiple store cards to keep track of
- You can justify the card's $95 annual fee and get plenty of value out of it
Citizens Trust Bank Visa Privilege Credit Card
Citizens Trust Bank Visa Privilege Credit Card
- 16.74% to 24.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.74% to 24.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 16.74% to 24.74% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Citizens Trust Bank VISA Privilege Credit Card is a credit-builder card that is an excellent step-up from Citizen Trust Bank’s Classic-Secured Card. The card features a competitive APR that is uniform for purchases, balance transfers, and cash advances, and no foreign transaction fees – all for an annual fee of $25.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Rebuild credit with on-time payments
- Great low APR for purchases, balance transfers, and cash advances
- No foreign transaction fees
- Regular Purchase APR: 16.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each balance transfer, whichever greater
- Cash Advance APR: 16.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each balance transfer, whichever greater
- Penalty APR: 25.00%
- Annual Fee: $25
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $32
- Over Limit Penalty Fee: Up to $30
- You already have a Citizens Trust Bank Secured Card and want to graduate to an unsecured card
- You don’t want to pay foreign transaction fees
- You don’t mind paying a $25 annual fee
Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card
- 20.99% to 29.99% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
If you regularly stay at Hilton properties, the accelerated ability to earn bonus points and a sizable introductory bonus offer help the Hilton Honors American Express Surpass Card really stand out. Card members also receive complimentary Hilton Honors Gold status, which entitles them to guaranteed member discounts, digital check-in, complimentary breakfast, and a host of other perks, all for a competitive annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio
- 6X Hilton Honors points per $1 spent on purchases at U.S. restaurants, U.S. supermarkets, U.S. groceries, U.S. online retail, and U.S. gas stations
- 3X Hilton Honors points on all eligible purchases
- Complimentary Gold status with your card
- Free Weekend Night Reward after spending $30,000 on your card in a calendar year
- No foreign transaction fees
- Earn 170,000 bonus points and a free night after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 3 months of Card Membership
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and Prime Rate
- 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 greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $150
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You regularly stay at Hilton properties and want to quickly earn Hilton Honors Bonus Points
- You will spend enough with the card in the first three months of opening an account to earn a very generous welcome offer
- You want the convenient benefits that come with complimentary Hilton Honors Gold status, as well as Hilton Honors Diamond status if you spend $40,000 on eligible purchases through the end of the next calendar year
BankAmericard® Secured Credit Card
BankAmericard® Secured Credit Card
- 26.24% variable based on the Prime Rate Regular Purchase APR
- 26.24% variable based on the Prime Rate Balance Transfer APR
- 29.24% variable based on the Prime Rate Cash Advance APR
At a Glance
Designed for establishing, building, or even rebuilding one’s credit score, the BankAmericard® Secured Credit Card offers the basic tools needed to strengthen your financial standing while covering everyday purchases. With a refundable security deposit, no annual fee and a few educational resources thrown in, this card can guide you to becoming a responsible credit card user with minimal hassle.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Requires minimum $300 deposit (refundable)
- Free access to monthly updated FICO® Score
- Digital wallet compatible
- No annual fee
- Overdraft protectio
- Regular Purchase APR: 26.24% variable based on the Prime Rate
- Balance Transfer APR: 26.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transactio
- Cash Advance APR: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
- Minimum Deposit Required: $300
- You're looking for your first credit card or need to boost your existing credit
- You have at least $300 to put toward the security deposit
- You want to learn about the impact of credit card usage on a credit score
- You need a card that won’t penalize by raising the interest rate
- You want the opportunity to get your security deposit back eventually
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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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