Credit Cards

[MCHammerFan]

I've had one of Capital Ones I guess you call them rebuilder cards (Platinum for Newcomers).  I make a lot of international purchases so the $750 credit limit is killing me. Are Cap one's higher end cards worth it? I don't exactly travel enough and if I do I just stay at hotels.

Currently I have a BoA Platinum Plus card, $2000 CL I want to bump the limit just because but BoA does hard pulls.

American Express BCE 6,000 the limit was recently increased from 2,000 a month ago

And the C1 card.

[DeadSpider]

Try Discover IT no international charges or you can go for Cap1 cards with excellent credit.

[OptimasPrime]

BofA has two travel cards that have no forex fees so you could always try to pc to one of those. 

All discover cards are no forex. Their acceptance isn't that great overseas though so there are better options. CSP comes to mind as well.

[MCHammerFan]

Oh I forgot about Discover! From what I understand if I see that JCB or Unionpay are accepted, Discover is also accepted then? How is Discover in the customer service department? If I PIF each month the 5% interest back thing Discover has does not to apply to me also I guess then right?

Also, anyone know why the Cash Rewards Cap1 MC has a AF while the Visa does not?

[ryanbush]

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MCHammerFan wrote:

Oh I forgot about Discover! From what I understand if I see that JCB or Unionpay are accepted, Discover is also accepted then? How is Discover in the customer service department?

Also, anyone know why the Cash Rewards Cap1 MC has a AF while the Visa does not?

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I think Discover has the best CS out there for a normal card, ovbiously once you get into a super prime card the story is different

[djrez4]

Stolen from Flyertalk.

Amex Platinum (the one with the $450 fee) http://www304.americanexpress.com/getthecard/learn-about/Platinum-Card no annual fee

Associated Credit Union Visa Platinum Preferred (no annual fee) http://www.acuonline.org/home/products/credit

Capital One --all cards http://www.capitalone.com/creditcards/products/browse-all/also see partner cardshttp://www.capitalone.com/creditcards/products/browse-all/partners/?linkid=WWW_1010_CARD_TGUNS14_CCBRWALL_L...

Chase Priority Club Select ($49 fee, waived 1st yr, one free hotel night cert. yearly)https://creditcards.chase.com/credit-cards/ihg-credit-card.aspx
Chase Hyatt ($75 annual fee, one free hotel night cert. yearly for category 1-4 hotels)https://creditcards.chase.com/credit-cards/hyatt-card.aspx
Chase Marriott Rewards Premier ($85 annual fee, waived 1st yr, one free hotel night cert. yearly for category 1-5 hotels)https://creditcards.chase.com/credit...dit-cards.aspx
Chase British Airways ($95 annual fee, 2-for-1 cert. after $30k annual spend) https://creditcards.chase.com/credit-cards/british-airways-credit-card.aspx
Chase JP Morgan Select Visa (has both chip & signature and magnetic strip--$95 fee, waived 1st yr, has primary rental car coverage)https://creditcards.chase.com/credit-cards/jp-morgan-select-card.aspx
Chase Sapphire Preferred ($95 fee, waived 1st yr, 20% point discount on travel, 7% annual points bonus) https://creditcards.chase.com/credit-cards/sapphire-preferred-card.aspx
Chase Ink Bold Business ($95 annual fee, waived first year)
https://www.chase.com/online/business-credit-cards/ink-bold.htm

Citi ThankYou Premier ($125 annual fee, waived 1st yr) https://creditcards.citi.com/credit-cards/citi-thankyou-premier-card/
Citi ThankYou Prestige ($500 annual fee) https://creditcards.citi.com/credit-cards/citi-thankyou-prestige-card/
Citi Executive AAdvantage ($450 annual fee) http://www.aa.com/i18n/urls/citiexecutive.jsp

Discover --all cards. no annual fee.
http://www.discovercard.com/credit-cards/

HSBC--several cards (But be careful--many of these cards have *very* low limits. The 
Premier card, no annual fee, is a notable exception.) http://www.premiercardbenefits.com/1/2/3/

PenFed--all cards 
examples:
Amex (no annual fee) https://www.penfed.org/productsandrates/creditcards/amex.asp
Promise Visa (no annual fee) https://www.penfed.org/productsandrates/creditcards/promisecard.asp

Navy Federal Credit Union Flagship Rewards ($49 annual fee)
https://www.navyfederal.org/products-services/cards/creditcards/creditcards.php

San Francisco Fire Credit Union Platinum Visa (no annual fee) http://www.sffirecu.org/loans/credit-cards

Union Bank Graphite American Express ($99 annual fee, waived first year)

https://www.unionbank.com/personal-banking/loans-lines-credit/credit-cards/index.jsp

[jsucool76]

The reason the visa does not have an annual fee is because its harder to get. They offer a visa signature (or platinum if you dont qualify for sig) but tge underwriting criteria is different, and afaik the "excellent" cards actually grow.

[trumpet-205]

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MCHammerFan wrote:

Oh I forgot about Discover! From what I understand if I see that JCB or Unionpay are accepted, Discover is also accepted then?

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Not exactly true.

JCB-Discover alliance is limited for retail stores in Japan; Unionpay-Discover alliance is limited for retails stores in China. What this means is that if I see a logo of JCB in France the store cannot accept my Discover card. But if I see a logo of JCB in Japan that store can accept my Discover card. Similarly to Unionpay.

Keep in mind that both alliances do NOT apply to online transaction.

[DaveSignal]

SDFCU Flexpoints

BoA Travel Rewards

= no forex.  Also have EMV and, unlike Discover, are accepted everywhere.

EDIT: there is no annual fee on these either.

[djrez4]

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trumpet-205 wrote:

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MCHammerFan wrote:

Oh I forgot about Discover! From what I understand if I see that JCB or Unionpay are accepted, Discover is also accepted then?

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Not exactly true.

JCB-Discover alliance is limited for retail stores in Japan; Unionpay-Discover alliance is limited for retails stores in China. What this means is that if I see a logo of JCB in France the store cannot accept my Discover card. But if I see a logo of JCB in Japan that store can accept my Discover card. Similarly to Unionpay.

Keep in mind that both alliances do NOT apply to online transaction.

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But, Discover also runs on the Diner's Club network, which is pretty ubiquitous in Europe and South America.  Between them, JCB, and Unionpay, you're well covered.