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DaveSignal
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Registered: ‎07-29-2011
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Re: No Foreign Transaction Fee on PENFED or other cards?

I just got off the phone with NFCU and they said they aren't doing chip and pin cards yet.   They also said that I need to spend all of my rewards points before I product change because I will lose all points with the change.   So I need to look for some rewards to buy and I might look again at that Andrews AFB visa, but I think I will try to see how often I need it when I get to UK before applying.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
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DaveSignal
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Re: No Foreign Transaction Fee on PENFED or other cards?


webhopper wrote:
Google images flagship card and you can see pics of the chip and pin version

My google image search resulted in many pictures of the NFCU flagship card, but I didn't see any with a chip in it.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
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webhopper
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Re: No Foreign Transaction Fee on PENFED or other cards?

Wow that stinks.I thought they had them because I saw them all on Google when I was looking at cars designs. Sorry man!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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OhioCPA
Posts: 471
Registered: ‎03-29-2011
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Re: No Foreign Transaction Fee on PENFED or other cards?

[ Edited ]

The State Department FCU just announced a EMV card with no FX fees. It's a reward card as well.  Membership is open to anyone. www.sdfcu.org.

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compassion101
Posts: 631
Registered: ‎06-06-2012
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Re: No Foreign Transaction Fee on PENFED or other cards?

Thanks for posting this thread. I have called CapOne and they tell me that my cards have no foreign transaction fees, which I never knew. Quite helpful as Cahse does charge fees and I am off to Montreal for 2 months next week!

 

 

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Scamp
Posts: 2,791
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Re: No Foreign Transaction Fee on PENFED or other cards?

FWIW, Chase also offers a British Airways Visa card that doesn't charge foreign transaction fees, and their new cards at least have a chip in them (whether or not this will work at chip-and-pin places in the UK, I don't know, as I've not inquired with them about that yet).

 

_____________________________________________________________________________
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02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

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heirophant
Posts: 532
Registered: ‎11-25-2007
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Re: No Foreign Transaction Fee on PENFED or other cards?

BOA Travel Rewards has no foreign transaction fees.

FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
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DaveSignal
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Re: No Foreign Transaction Fee on PENFED or other cards?


heirophant wrote:

BOA Travel Rewards has no foreign transaction fees.


I am now thinking about this card.  BoA usually pulls TU afaik, which is a better score for me right now and the inq wouldn't hurt my EQ report which has way too many inquiries.  I would apply right now, but I don't know what I would use for a mailing address since I am moving out of a hotel next week, then living in DC for 2 weeks, then catching a plane to UK.  I think I will do it once I get to my final destination though.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
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heirophant
Posts: 532
Registered: ‎11-25-2007
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Re: No Foreign Transaction Fee on PENFED or other cards?

FWIW, BOA almost exclusively pulls EX.  Not to throw a monkey wrentch in your plans...

FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
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DaveSignal
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Re: No Foreign Transaction Fee on PENFED or other cards?


heirophant wrote:

FWIW, BOA almost exclusively pulls EX.  Not to throw a monkey wrentch in your plans...


Where have you heard that?  The last time I applied with BoA they pulled TU.  Also, on a website (which i will not link here) that lists peoples application statuses and which report was pulled, it is predominantly TU with only a small few getting EX.

 

But, even if EX was the case (which i doubt), my goal is to avoid pulling EQ, so I win either way.   Plus, if they do pull EX, I would get my EX FICO.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k

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