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I'm going to be making a large charge overseas. I was wondering if there was a card that had a 0% interest intro period and also has no foreign transaction fees? Need to limit it to Visa or Mastercard, as Amex & Discover are not accepted. My score is over 800, and have a good income, so don't anticipate approval to be an issue.
TIA!
NFCU cashRewards (6 months, $150 SUB)
BECU Cash Back Visa (12 months)
Bank of America Travel Rewards (12 months, $250 SUB)
FNBO China Airlines Gold (6 months, 7500 miles SUB, $59 AF)
US Bank Altitude Go (12 months, $250 SUB)
Alternately, depending on the amount, how long you plan on carrying the balance, and the approved APR, it may be more beneficial to get a card with a very large SUB like Citi Premier or Chase Sapphire Preferred (both minimum $725 SUB, $95 AF) or if you can make use of the credits to justify the large AFs, US Bank Altitude Reserve or Chase Sapphire Reserve (both minimum $750 SUB, $400 and $550 AFs).
Super helpful K-in-Boston!
I thought no FTF + 0% APR would be a unicorn, nice to know I could get a SUB too.
I have the CSR, so that is out.
The Citi Premier or the US Bank Altitude GO would be the most useful for me. I have significant credit limits with them on currenlty unused cards. How are they with moving credit limits around?
For Citi, you'll essentially have to be approved for a CLI on the card the limit is being moved to and it will usually be a HP. (Alternately, if you are denied for a card, during a recon call they may be willing to lower another limit for you.) US Bank used to do credit line reallocations, but stopped doing so a few years ago.
Edit: It is surprising how many unicorns with 0% intro APR and no FTFs there are. And to expand on Dumbee's post, CapOne options would be:
VentureOne (12 months, 20,000 miles)
Quicksilver (15 months, $150)
SavorOne (15 months, $150)
@sillykitty1 wrote:Super helpful K-in-Boston!
I thought no FTF + 0% APR would be a unicorn, nice to know I could get a SUB too.
I have the CSR, so that is out.
The Citi Premier or the US Bank Altitude GO would be the most useful for me. I have significant credit limits with them on currenlty unused cards. How are they with moving credit limits around?
It would be interesting to know what sort of foreign purchase of a large amount would not be coded as Travel for the CSR?
Great, even more options!
How is CapitalOne for moving CL's? I have a high CL on the QS already.
CapOne doesn't do reallocations. They go back and forth on offering account combinations (closing a card and moving the entire limit), but at this time even that is not an option.
I have the HSBC Cash Rewards Mastercard, which offers no annual fee, 3% cashback on everything for the first 12 months then 1.5% after that, no foreign transaction fees and 0% APR for the first 12 months. Hope this is helpful!
NRB525 - this is going to be a medical charge, so can't imagine it would code as travel.