US Bank Altitude Go now charging Foreign Transaction fee and change in points

[mikecintel]

OK I see.  They use to be cash back that have no TFT but not like it is common not to hve no TFT.  I know most travel cards has no TFT and no annual fee but I perfer cashback with no TFT and no annual fees.

[GhostCredit]

Hopefully existing customers get grandfathered in for the no ftf. But I think it cost them money since they eat the no ftf and that's why majority of cards have it in the US. Idk how smaller banks like pnc/penfed have a 2% no ftf and still offer a sub.

[CreditOnion]

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@mikecintel wrote:

OK I see.  They use to be cash back that have no TFT but not like it is common not to hve no TFT.  I know most travel cards has no TFT and no annual fee but I perfer cashback with no TFT and no annual fees.

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I still think FTF are less common, especially amongst credit unions.

Have you considered the Alliant visa? If you can park $1K with them, setup minimal ACH transfers, and setup electronic statements, you can qualify for their 2.5% cash back tier up to $10K a month. And, no FTF.

[911gt34life]

Won't be applying anymore card trash now 

[NoHardLimits]

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@mikecintel wrote:

OK I see.  They use to be cash back that have no TFT but not like it is common not to hve no TFT.  I know most travel cards has no TFT and no annual fee but I perfer cashback with no TFT and no annual fees.

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How about the Wells Fargo Autograph?  The standard one, not the Autograph Journey.  The no annual fee version is a Visa with no FTF.  It's marketed as a travel card, but you can use the points as cash back for 1 cent per point.  The card has a number of categories which earn 3 points per dollar.

[mikecintel]

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@GhostCredit wrote:

Hopefully existing customers get grandfathered in for the no ftf. But I think it cost them money since they eat the no ftf and that's why majority of cards have it in the US. Idk how smaller banks like pnc/penfed have a 2% no ftf and still offer a sub.

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I did call US Bank CS and they told me exisiting customer and new customer will have that fee.  So the answer nope unfortunely.

[mikecintel]

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@CreditOnion wrote:

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@mikecintel wrote:

OK I see.  They use to be cash back that have no TFT but not like it is common not to hve no TFT.  I know most travel cards has no TFT and no annual fee but I perfer cashback with no TFT and no annual fees.

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I still think FTF are less common, especially amongst credit unions.

Have you considered the Alliant visa? If you can park $1K with them, setup minimal ACH transfers, and setup electronic statements, you can qualify for their 2.5% cash back tier up to $10K a month. And, no FTF.

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Yes I did but you need to have a checking account or saving account with them.  No thanks.

[mikecintel]

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@911gt34life wrote:

Won't be applying anymore card trash now 

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Yes that understable.

[mikecintel]

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@NoHardLimits wrote:

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@mikecintel wrote:

OK I see.  They use to be cash back that have no TFT but not like it is common not to hve no TFT.  I know most travel cards has no TFT and no annual fee but I perfer cashback with no TFT and no annual fees.

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How about the Wells Fargo Autograph?  The standard one, not the Autograph Journey.  The no annual fee version is a Visa with no FTF.  It's marketed as a travel card, but you can use the points as cash back for 1 cent per point.  The card has a number of categories which earn 3 points per dollar.

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I called Wells Fargo about about the autograph and how they redeem rewards and they even say you need a checking or a savings accont with them to redeem the whole amount.  It does sound great 3% but when coming to redeem points you need a checking or a saving account with them other you will be left with a small amount them.  No Thanks.  That is what US Bank is doing.   I think I apply Amazon credit card and they have no annual and no TFT. It is by chase and so I called  chase and they said to redeem points you DON'T NEED a checking or a savings account with them (I like the answer and it is music to my ears)  and that you can give us your preferred checking or savings account and we will deposit in there.  So I will apply to Amazon credit card soon probabbly next year.  Even for chase own credit card it still the same when redeeming for cash back no need to have a checking or a savings account.  Every bank should do like what chase is doing and SHOULD NOT require to setup a checking or savings account juse to redeem cash back.  I don't like chase but hey they have my answer what I want to  I will apply Amazon credit card soon.  I am waiting to see if Capital One has new credit card coming that will be Visa so I am going to wait until next year.

[Anonymous]

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@mikecintel wrote:

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@GhostCredit wrote:

Hopefully existing customers get grandfathered in for the no ftf. But I think it cost them money since they eat the no ftf and that's why majority of cards have it in the US. Idk how smaller banks like pnc/penfed have a 2% no ftf and still offer a sub.

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I did call US Bank CS and they told me exisiting customer and new customer will have that fee.  So the answer nope unfortunely.

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Are there cases where a card moving from no-FTF to charging grandfathered people in?  I guess there's no reason why it couldn't happen but I can't recall one.