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I wanted to get the BCP amex card , 6% for groceries but realized it has foreign transaction fees, is there any other card that is just as good but has no foreign transaction fee ?
@anonymous4a wrote:I wanted to get the BCP amex card , 6% for groceries but realized it has foreign transaction fees, is there any other card that is just as good but has no foreign transaction fee ?
You're not going to find another card that gives you 6% for groceries let alone one with no FTF. If both are important to you, then I'd consider getting 2 separate cards. There a lot of cards with no FTF but the vast majority are travel cards so I'd take a look at some of those to see which would fit your travel needs.
Here are Themanwhocan's charts: http://ficoforums.myfico.com/t5/Credit-Cards/Cash-Back-credit-card-charts/td-p/4004725
I think most of the good grocery cards have FTF. Your other option is to get something like QS which has no FTF and you can at least get 1.5% back. I'm not sure if overseas grocery stores will even code properly to be honest (anyone know?). Even with FTF, you'd still get 3.3% with BCP (assuming it would code properly).
@Callandra wrote:Here are Themanwhocan's charts: http://ficoforums.myfico.com/t5/Credit-Cards/Cash-Back-credit-card-charts/td-p/4004725
I think most of the good grocery cards have FTF. Your other option is to get something like QS which has no FTF and you can at least get 1.5% back. I'm not sure if overseas grocery stores will even code properly to be honest (anyone know?). Even with FTF, you'd still get 3.3% with BCP (assuming it would code properly).
I'm sure just like here it depends on the store itself in the other country. When I was in South Korea last year, everything coded pretty much as expected when I reviewed all the charges on my Quicksilver (granted it is just flat 1.5% but you can still see how each establishment is coded on the transaction page).
Although its no longer available to new applicants, the Diner's Club Elite card gave 3x points on groceries with no FTF.
Given that they were transferrable to a variety of airlines (including AS), it wouldn't be hard to value them at 2cpp.
@Anonymous wrote:
@anonymous4a wrote:I wanted to get the BCP amex card , 6% for groceries but realized it has foreign transaction fees, is there any other card that is just as good but has no foreign transaction fee ?
You're not going to find another card that gives you 6% for groceries let alone one with no FTF. If both are important to you, then I'd consider getting 2 separate cards. There a lot of cards with no FTF but the vast majority are travel cards so I'd take a look at some of those to see which would fit your travel needs.
Even with the FTF I think the BCP is probably the best card for groceries outside of the states. The FTF is 2.7% which means he will still get 3.3% CB. Not bad imo and way better then any other card I have seen
@Anonymous wrote:
For your awareness, on all the AMEX products the grocery store and gas station benefits apply to US stores/stations only. So, you wouldn't get the benefit anyway. However, if you are military like myself/DoD civilian overseas and buying at a commissary/exchange, that's a US purchase and you would get the 6%/3% or whatever the benefit is. Those purchases are processed through the US system in USD. If you are USAA eligible, the AMEX Cash Rewards Plus gives 2% grocery stores (including overseas), and 5% on base if you are eligible, then there's also the Arrival Plus (Barclay) 2%, or the BofA Travel Rewards, Pen Fed cards, etc.
+1
I was just about to add this...
I'll also add that if your on a U.S. base overseas, make a 'test purchase' to see how it will be processed before committing (rewards-wise). One of my brothers was an AU on an Amex of mine years ago, and he used it when he was in Saudi Arabia on a base. It was in U.S. dollars (no conversion was necessary) but the location still showed up as being 'Saudi Arabia' - I'm not sure how it would have been treated for rewards purposes. This might be different with different locations (or might have changed since then - it's been a few years) but it was my experience.
In this case, there are better options, anyway... USAA has an Amex card that gives 5% cash rewards for up to $3000 of base purchases, no restrictions on location.
https://www.usaa.com/inet/pages/banking_credit_cards_amex?akredirect=true