No Foreign Transaction Fee on PENFED or other cards?

[DaveSignal]

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.

[DaveSignal]

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

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

[webhopper]

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

[OhioCPA]

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.

[compassion101]

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!

[Scamp]

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).

[heirophant]

BOA Travel Rewards has no foreign transaction fees.

[DaveSignal]

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@heirophant wrote:

BOA Travel Rewards has no foreign transaction fees.

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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.

[heirophant]

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

[DaveSignal]

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@heirophant wrote:

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

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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.