@csryang wrote:
@UncleB wrote:
@csryang wrote:
I think Sams does charge FTF?
Sam's did away with the FTF on 3/1/2016.
I see... I did not know that. It does require a membership (fee) though so it's sort of like having an annual fee.
I agree, for some it might be. For me, I found that I would actually save enough by shopping there to justify the membership fee even if there were no credit card rewards, so when I do my 'calculating' I don't count the fee against my cash rewards.
However if you wouldn't shop there anyway then it definitely would be like any other AF. 
@UncleB wrote:
@csryang wrote:
@UncleB wrote:
@csryang wrote:
I think Sams does charge FTF?
Sam's did away with the FTF on 3/1/2016.
I see... I did not know that. It does require a membership (fee) though so it's sort of like having an annual fee.
I agree, for some it might be. For me, I found that I would actually save enough by shopping there to justify the membership fee even if there were no credit card rewards, so when I do my 'calculating' I don't count the fee against my cash rewards.
However if you wouldn't shop there anyway then it definitely would be like any other AF.
I totally agree with you. I guess I meant to find a list of cards without any yearly fee whether it be annual fee with the card or membership fee which you need to renew yearly. It is just hard deciding which card should be included in this list if we sort of just blur the line of "no AF."
For example, some cards can easily grant you retention offer offsetting the annual fee each year.
Also, some amex offers on Amex cards provide great values that can offset their AF as well. Not to mention churning bonuses or MS.. etc etc...
@creditfan wrote:
@Open123 wrote:
@Anonymous wrote:
@Open123 wrote:No fee options for use abroad:
1. QS - 1.5%.
2. BofA Travel rewards - best in class when used in conjunctin with Preferred rewards.
3. CU options - I'm sure there are some, but my knowledge on CU options are limited.
4. Discover - limited acceptance
5. Cap One Debit to use with cash back option for foreign currency.
6. Fid Amex - use for foreign currency at ATMs with all fees reimbursed
A few tips. Always insist on local currency and refuse home currency (dynamic exchange rubbish). Never buy currency, but exchange at airport from a Bank ATM, and NOT one of those forex ticket machines. Always, ALWAYS use a no fee ATM Bank option or cash back after a purchase with a no FTF debit card.
Ive always read that its far better to take out local currency at a bank's ATM once you arrive at your travel destination. You're saying its better to do an exchange at the airport?
Yes, I should have been more clear. Use the ATM at the arriving airport (the local currency you want to use), not departing one (USA for me).
give schwab bank a thought, their debit card reimburse all fee worldwide. It's good to withdraw currency at foreign countries
Does anyone know if Schwab bank's checking account is hard or soft pull for opening an account? I heard conflicting stories online.
EDIT: Nevermind. I emailed them and was informed that it will be a hard inquiry on credit report for their checking account.
NASA Platinum Cash Rewards
1.5% cash back
no FTF
Priceline VISA
No FTF
@Open123 wrote:No fee options for use abroad:
1. QS - 1.5%.
2. BofA Travel rewards - best in class when used in conjunctin with Preferred rewards.
3. CU options - I'm sure there are some, but my knowledge on CU options are limited.
4. Discover - limited acceptance
5. Cap One Debit to use with cash back option for foreign currency.
6. Fid Amex - use for foreign currency at ATMs with all fees reimbursed
A few tips. Always insist on local currency and refuse home currency (dynamic exchange rubbish). Never buy currency, but exchange at airport from a Bank ATM, and NOT one of those forex ticket machines. Always, ALWAYS use a no fee ATM Bank option or cash back after a purchase with a no FTF debit card.
Can you elaborate on how this works? Its not a cash advance with fid amex? There aren't other fees for ATM withdrawals in foreign countries? They reimburse you for ATM fees charged by the foreign bank?
;