Does NFCU charge foreign transaction fees?

[Red1Blue]

Does NFCU charge foreign transaction fees? I have to make an international travel next week. I know Amex Plat and CapOne does not charge. Not sure about NFCU.

[Anonymous]

Yes they do!   ... that's why I got Addison Ave Platinum VISA (now First Tech).

Fee Free Foreign Transaction is Cap 1 and former Addison Ave Platinum VISA (not sure First tech offer same benefit for new customer or not)

Navy Federal Credit Union ® Credit Card Agreement and Disclosure

https://www.navyfederal.org/pdf/applications-forms/credit-debit/NFCU_573CC_NFO.pdf

Visa Check Card/CUCARD/Visa Buxx Card  

International Transactions—ATM and Point-of-Sale

Single Currency: 1% of the transaction

Transactions made in foreign/international countries and in U.S. dollars.

Transactions originating on U.S. military bases, embassies, consulates, and territories are excluded.

Multi Currency: .08% of the transaction

Transactions made in foreign/international countries and in a foreign currency.

Transactions originating on U.S. military bases, embassies, consulates, and territories are excluded.

[Red1Blue]

That is too bad. I got CLI on my card, but I have to stick with my Amex Plat / CapOne.

[Anonymous]

Yes, NFCU has some negative service compared to other CCCs.   That's why I use my other ccs for the daily purchases instead nRewards and cashRewards, and I will use my First Tech VISA (Addison Ave Platinum VISA) if I ever able to visit my family. 

[Red1Blue]

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@Anonymous wrote:

Yes, NFCU has some negative service compared to other CCCs.   That's why I use my other ccs for the daily purchases instead nRewards and cashRewards, and I will use my First Tech VISA (Addison Ave Platinum VISA) if I ever able to visit my family. 

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How difficult is it to get First Tech Visa? I'll be going to Med School in Aruba and continue work in US and travel back and fourth. I would not mind having another credit card that does not charge international transaction fees.

[Anonymous]

Not sure ... I appd for Addison Ave Platinum VISA in Oct 2010 (almost a yr .. yes!) and they gave me highest of 10k CL.

Mine shows as "VISA Platinum Cash Rewards"

Sooooorrrrrry ... It looks like there is AF of $25

https://www.firsttechfed.com/LoansandCredit/Credit%20Cards/index.aspx?src=lac5

And it's not FREE any more ... they charges same as NFCU ... 1%.   

So, it's better to use NFCU cc when you travel.  Save your inq ~ IMO

Transaction Fees

1% of each foreign transaction, regardless of whether the transaction is in U.S. dollars or in a foreign currency.

https://www.firsttechfed.com/website/pdf/VisaDisclosure_Combined_042811.pdf

[Red1Blue]

Thanks. bunnyrabbit. I think I should be ok with CapOne / Amex Plat Cards. I beleive we can also use paypal debit card overseas with out foreign transaction fees. I need to look into it.