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Looking for a new ...Debit card

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fendervans
Established Member

Looking for a new ...Debit card

Not sure I'm even in the right section of the forums. After 2 recent approvals, I'm happy with my CC setup and am gardening for a while. 

 

I'm fortunate enough to do regular international travel for work and I'm looking for a solid debit card for use abroad (mostly europe and south east asia) for the occasional times i need cash. (For domestic use I'm happy with a checking at my local credit union but they flat out do not network internationally)

 

Goals

-Low/no account maintenance fees. 

-Low/no/reimbursed withdraw fees. 

-Secure online banking/app/Digital check deposit (as much as i love the little local guys they are very old school paper)

 

existing relationships Amex/C1/FNBO/local CU

Message 1 of 20
19 REPLIES 19
GZG
Senior Contributor

Re: Looking for a new ...Debit card


@fendervans wrote:

Not sure I'm even in the right section of the forums. After 2 recent approvals, I'm happy with my CC setup and am gardening for a while. 

 

I'm fortunate enough to do regular international travel for work and I'm looking for a solid debit card for use abroad (mostly europe and south east asia) for the occasional times i need cash. (For domestic use I'm happy with a checking at my local credit union but they flat out do not network internationally)

 

Goals

-Low/no account maintenance fees. 

-Low/no/reimbursed withdraw fees. 

-Secure online banking/app/Digital check deposit (as much as i love the little local guys they are very old school paper)

 

existing relationships Amex/C1/FNBO/local CU


both schwab or fidelity have debit cards for their checking accounts that offer $0 maintenance fees and ATM rebates for international ATM withdrawals

Starting FICO 8:
Current FICO 8:



Message 2 of 20
Patient957
Valued Contributor

Re: Looking for a new ...Debit card

Charles Schwab investor checking is the way to go.  Checks all the boxes.

Message 3 of 20
ptatohed
Senior Contributor

Re: Looking for a new ...Debit card

The primis Perks checking account gives 1% CB on all purchases (including paying your citi card bill with it! Smiley Wink  ), no FTF on purchases I believe, and refundable ATM fees.  

 

Just today I used it to pay ~$1000 of my citi ThankYou MC bill for a free $10!  

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
Message 4 of 20
FicoMike0
Senior Contributor

Re: Looking for a new ...Debit card

Here's one,

 

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Message 5 of 20
Patient957
Valued Contributor

Re: Looking for a new ...Debit card


@ptatohed wrote:

The primis Perks checking account gives 1% CB on all purchases (including paying your citi card bill with it! Smiley Wink  ), no FTF on purchases I believe, and refundable ATM fees.  

 

Just today I used it to pay ~$1000 of my citi ThankYou MC bill for a free $10!  


It's an interesting account for sure, but it doesn't meet the OP's main requirement of international ATM fee reimbursement.  And ATM fees in SE Asia can be double what we're used to here in the U.S.,like $7 instead of $3.50, so it can add up fast.

Message 6 of 20
Varsity_Lu
Valued Contributor

Re: Looking for a new ...Debit card

Rick Steves used to recommend one of two options: a Schwab debit card or a Capital One 360 debit card.  Now that Capital One has switched their debit card to the Disco network, that is no longer an option for overseas use. Fortunately, Fidelity has made some significant changes lately and is basically the same as Schwab when it comes to overseas ATM use.  You would be ok with either of those options.

Blue Cash PreferredBlue Cash EverydaySavorMore RewardsVoice Rewards + Perks CheckingFidelity Rewards VisaMax Cash PreferredAAA Travel AdvantageCashRewardsHilton Honors
Fidelity InvestmentsNavy Federal Credit UnionHuntington National BankMechanics Savings Bank
FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)
Clean | Thick | Mature | New Revolver

Message 7 of 20
ElvisCaprice
Established Contributor

Re: Looking for a new ...Debit card


@fendervans wrote:

Not sure I'm even in the right section of the forums. After 2 recent approvals, I'm happy with my CC setup and am gardening for a while. 

 

I'm fortunate enough to do regular international travel for work and I'm looking for a solid debit card for use abroad (mostly europe and south east asia) for the occasional times i need cash. (For domestic use I'm happy with a checking at my local credit union but they flat out do not network internationally)

 

Goals

-Low/no account maintenance fees. 

-Low/no/reimbursed withdraw fees. 

-Secure online banking/app/Digital check deposit (as much as i love the little local guys they are very old school paper)

 

existing relationships Amex/C1/FNBO/local CU


Fidelity CMA account checks all the boxes for you.

BofA: Citi:US Bank:Chase:Aven:RH:

Spend: Less than 10k per year organic (frugal). MS varies, can be more significant.

(Aug of 26) Scorecard: Clean, Thick, Mature (Always PIF)

HP's: EQ 2/6, 2/12, 8/24 | TU 1/6, 4/12, 7/24 | EX 0/6, 2/12, 9/24

New Accounts: 2/6, 6/12, 10/24

Message 8 of 20
crystal626
Established Contributor

Re: Looking for a new ...Debit card


@ptatohed wrote:

The primis Perks checking account gives 1% CB on all purchases (including paying your citi card bill with it! Smiley Wink  ), no FTF on purchases I believe, and refundable ATM fees.  

 

Just today I used it to pay ~$1000 of my citi ThankYou MC bill for a free $10!  


You can pay your credit card with a debit card?

 

8/2/2026

EX8 787
EQ8 787
TU8 789


18 cards TCL $235,750 ACL $13,097
Message 9 of 20
crystal626
Established Contributor

Re: Looking for a new ...Debit card


EDIT: Nevermind. 

8/2/2026

EX8 787
EQ8 787
TU8 789


18 cards TCL $235,750 ACL $13,097
Message 10 of 20
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