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@Anonymous wrote:
Revelate this is a shot in the dark ... would it be worth the time contacting USAA to see if you could apply based on your proposed projected needs for foreign travel at many locations? Who know ... maybe they would give you special consideration.
I was reading some of the threads and it suggested that the applications were being kicked out period if you weren't in a qualifying area. That said I have a little bit of time on this application presumably given I probably don't even get the onsite client interview until post holiday break... wasn't really thinking job search anyway till next year but what the hell.
It would be worth a shot, if for no other reason to demonstrate I was interested in the card; I don't really know who they're looking for as a target audience on this card but it's possible I might fall into that category on a couple of quick and fairly reasonable assumptions.
@digitek wrote:
Not sure if you are eligible, but the USAA Limitless that just came out has no foreign transaction fee and is supposedly Chip+Pin. It isn't eligible in all states yet, though.
Have fun! Getting to travel to 40 different countries on someone else's dime is an amazing opportunity.
I thought USAA issued cards that were like Barclay's: signature required unless the terminal won't allow it.
@Anonymous wrote:
@digitek wrote:
Not sure if you are eligible, but the USAA Limitless that just came out has no foreign transaction fee and is supposedly Chip+Pin. It isn't eligible in all states yet, though.
Have fun! Getting to travel to 40 different countries on someone else's dime is an amazing opportunity.I thought USAA issued cards that were like Barclay's: signature required unless the terminal won't allow it.
That is my understanding - PIN backup. I have Limitless but haven't tried the chip yet. I was not prompted to set up a PIN when applying or even activating the card (I set it on my own via the website), so it would be online PIN at the least.
@rlx01 wrote:
The Limitless is a Visa, so your FX rate is going to be ~1% higher than a MC in most cases.
The Arrival+ works everywhere and supports offline C+P once the PIN is encoded. The only downside is that it defaults to signature first. Which is annoying since cashiers hate that:
I used to have a Revolut card as a backup, but they shutdown US users. I think First Tech is the only real option to get C+P and MC.
Oh interesting; had blithely assumed there wasn't padding built into the exchange rate and that the current exchange rate at swipe time with the typical small processing delay built in to skew it potentially but a quick Googling disabused me of that quickly. That's useful, thanks!
Math time once I find out more if this goes as somewhat expected on the interview process.
@MASTERNC wrote:
@Anonymous wrote:
@digitek wrote:
Not sure if you are eligible, but the USAA Limitless that just came out has no foreign transaction fee and is supposedly Chip+Pin. It isn't eligible in all states yet, though.
Have fun! Getting to travel to 40 different countries on someone else's dime is an amazing opportunity.I thought USAA issued cards that were like Barclay's: signature required unless the terminal won't allow it.
That is my understanding - PIN backup. I have Limitless but haven't tried the chip yet. I was not prompted to set up a PIN when applying or even activating the card (I set it on my own via the website), so it would be online PIN at the least.
If you had to explicitly set the PIN after activation, it's possible that the card's set up so that it won't be asked even at most gas pumps/ticket machines--if PIN for purchases is even supported at all. This might have been a change due to their transition from MC to Visa.
@Anonymous wrote:
@MASTERNC wrote:
@Anonymous wrote:
@digitek wrote:
Not sure if you are eligible, but the USAA Limitless that just came out has no foreign transaction fee and is supposedly Chip+Pin. It isn't eligible in all states yet, though.
Have fun! Getting to travel to 40 different countries on someone else's dime is an amazing opportunity.I thought USAA issued cards that were like Barclay's: signature required unless the terminal won't allow it.
That is my understanding - PIN backup. I have Limitless but haven't tried the chip yet. I was not prompted to set up a PIN when applying or even activating the card (I set it on my own via the website), so it would be online PIN at the least.
If you had to explicitly set the PIN after activation, it's possible that the card's set up so that it won't be asked even at most gas pumps/ticket machines--if PIN for purchases is even supported at all. This might have been a change due to their transition from MC to Visa.
USAA changed from PIN priority to PIN backup before converting to Visa. When in Italy this year, I still had the PIN priority Mastercard, but my mom had accidentally activated a replacement Mastercard that just had PIN backup. We tried her card at a parking kiosk that I knew required PIN from prior attempts to use it - it did prompt for a PIN and the transaction processed successfully. Have not tried the Visa card overseas yet.
First Premier! It is a real chip-n-pin card:
http://ficoforums.myfico.com/t5/Credit-Cards/First-Premier-Chip-Pin/td-p/4295022
If you have any cards byBoA, Sync or WF, it might be worth calling the up to see if you can setup a PIN. Even if they aren't primary PIN cards, it can't hurt to have backup PINs just in case. The BoA TR card could be a decent option with the PR bonus. Barclay was also mentioned. Barclay lets you set the PIN from the website.
The only other one that comes to mind is RBFCU. I don't know if the pins are online or offline, but the FTF makes the cards unappealing for foreign travel. I think the PTA option is still available to join the CU.
http://ficoforums.myfico.com/t5/Credit-Cards/RBFCU-chip-and-PIN/td-p/4351963
For some more ideas, there is the old EMV spreadsheet. It isn't being maintained and the much of the data is based on cardpeek data:
https://docs.google.com/spreadsheets/d/1_TnruO1Kad7rjFEOESbHqs9DPV-SHlK5DpJyJG-W5Hk/edit#gid=0
And a more recent article with some places to get chip and pin cards:
https://www.creditcardinsider.com/learn/chip-and-signature-chip-and-pin-emv-cards/
I am sure you have already considered no FTF/fee debit cards. More dangerous but a decent way to get foreign currency. Other things to think about are Apple/Samsung/etc Pay.
good luck. Enjoy seeing the world.