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0% Interest & No Foreign Transaction Fees

sillykitty1
Established Contributor

0% Interest & No Foreign Transaction Fees

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!

Message 1 of 17
16 REPLIES 16
Dumbee
Established Contributor

Re: 0% Interest & No Foreign Transaction Fees

capitalone.com 


Smiley Embarassed
Personal/40.15K Biz/23K POT/17K
Message 2 of 17
K-in-Boston
Moderator

Re: 0% Interest & No Foreign Transaction Fees

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).

 

Message 3 of 17
sillykitty1
Established Contributor

Re: 0% Interest & No Foreign Transaction Fees

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? 

 

 

 

Message 4 of 17
K-in-Boston
Moderator

Re: 0% Interest & No Foreign Transaction Fees

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)

Message 5 of 17
NRB525
Super Contributor

Re: 0% Interest & No Foreign Transaction Fees


@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? 

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Message 6 of 17
sillykitty1
Established Contributor

Re: 0% Interest & No Foreign Transaction Fees

Great, even more options!

 

How is CapitalOne for moving CL's?  I have a high CL on the QS already.

Message 7 of 17
K-in-Boston
Moderator

Re: 0% Interest & No Foreign Transaction Fees

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.

Message 8 of 17
cupofcoffee
Established Member

Re: 0% Interest & No Foreign Transaction Fees

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!

Message 9 of 17
sillykitty1
Established Contributor

Re: 0% Interest & No Foreign Transaction Fees

NRB525 - this is going to be a medical charge, so can't imagine it would code as travel.

Message 10 of 17
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