@Anonymous wrote:Hi everyone,
I want to apply for a travel credit card that has no foreign transaction fee. From whatever i have read , Citi prestige seems to be a good pick among others. I travel internatinally every year and couple of times domestically . Since this is an elite card , What are my approval odds ? Can you recommend other cards ? My profile is below.
Discover $1500
Amex BCE $9000
Chase freedom $10000
Bofa cash - $5900
Cit double cash - $5000.
Credit score - 740 (Discover Fico)
Citi Fico - 735 (citi fico)
Credit history - 1.5 years.
Income - 120k+ p.a
You'll have no issues whatsoever.
The Prestige is going to work best if you are fine flying American Airlines mostly.
I would look over the Chase & Citi cards & see which one you would prefer. All of your stats look fantastic! 
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Thank you for the response . The problem with CSP is it's annual fee . I would have to earn 40000 pts (=$500) points each year just to overcome the annual fee ($400 base + 20%). Even if i make purchases of $1500 every quarter on Freedom. I will earn 30000 points. I would have to still spend 5000 $ on travel and dining to earn the remaining 10000 points . I don't think i can spend so much . A card like barclays arrival with no AF is better for me . But that does not come with other perks that i get in Citi prestige. Forgive me if this message is hard to understand.
Your math is confusing me. The AF for the CSP is only $95 a year and that is waived for the first year. That's significantly less than the Citi Prestige which is $450.
Citi prestige does come up with $450 annual fee . But it's perks make up for it . $250 travel statement credit, free 4th day on hotel reservations and complimentary golf session make it more than $450. My argument with CSP is that the 20% return I am getting back from freedom and travel points won't be able to cover the 95$ annual fee for my expenses.
I guess if you look at the perks that way. I personally don't like high AF cards where I have to spend to get a statement credit but to each their own. Your mind seems to be set up already so go for it. Your stats look good enough to get the card 
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Thank you for the response . The problem with CSP is it's annual fee . I would have to earn 40000 pts (=$500) points each year just to overcome the annual fee ($400 base + 20%). Even if i make purchases of $1500 every quarter on Freedom. I will earn 30000 points. I would have to still spend 5000 $ on travel and dining to earn the remaining 10000 points . I don't think i can spend so much . A card like barclays arrival with no AF is better for me . But that does not come with other perks that i get in Citi prestige. Forgive me if this message is hard to understand.
Your math is confusing me. The AF for the CSP is only $95 a year and that is waived for the first year. That's significantly less than the Citi Prestige which is $450.
Citi prestige does come up with $450 annual fee . But it's perks make up for it . $250 travel statement credit, free 4th day on hotel reservations and complimentary golf session make it more than $450. My argument with CSP is that the 20% return I am getting back from freedom and travel points won't be able to cover the 95$ annual fee for my expenses.
I guess if you look at the perks that way. I personally don't like high AF cards where I have to spend to get a statement credit but to each their own. Your mind seems to be set up already so go for it. Your stats look good enough to get the card
I get your point . I agree with you completely on this . If you look at all my current credit cards . Neither of them has annual fee.credit companies want the user to spend as much as possible . Since I visit internationally every year I can get the 250 statement credit . I am not a fan of concierge and lounge services . But I think i would be able to make up for the remaining 200$ in hotel reservations . I am still skeptical about this one though .