Which Credit Card is best to use for USA for no fees etc? - HotUKDeals
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Which Credit Card is best to use for USA for no fees etc?

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6y, 10m agoPosted 6 years, 10 months ago
I'm going to Florida in April and looking to use a credit card for meals out, purchases etc and then settle account when I get back.

Whic is the cheapest card to get or should I open a current account? I'm looking at no fees for transactions abroad etc...

Thanks in advance
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6y, 10m agoPosted 6 years, 10 months ago
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#1
I have heard post office or Halifax
#2
use dollars man go at least once a year and cash is king.
#3
Nationwide/Abbey but confirm both with their website.
#4
An AMEX charge card is good, you just load the card up with dollar before you go, easy no fees.
#5
FairFx dollar card. Load it when the exchange rate is good and then there are no fees for transactions and only a couple of $ for cash withdrawls.
#6
Nationwide Debit Card used to be free worldwide, but they now levy a 1% charge outside of the EU - still cheaper than using prepaid/load-up cards however.

Nationwide continues to offer "commission-free" foreign transactions.

"Commission-free" means that we do not add any additional charges for exchanging currency which are designed to generate profit for the Society. We do, however, pass on any fee we incur from our card scheme providers for processing transactions in certain currencies (generally those outside of the European Economic Area and Turkey and Israel) other than sterling.

The fee is currently 1.00% and it will be included in the sterling amount shown on your statement.

The list below provides details of the countries for which a fee is charged. To check if you will be charged, please search for the country you are visiting by using the A-Z list. Unless stated otherwise a fee will be charged.


Check out this article from MSE:

http://www.moneysavingexpert.com/travel/cheap-travel-money
#7
I got the Santander one last month for this very reason.

Quick, easy application. Spent all my money in shops, restaurants etc in Florida - paid Card in full when I got back - no fees or interest at all.

Very happy with it.
#8
Open up a Citibank USD current account. Can use the debit card for withdrawing money and as a debit card in shops, restaurants, etc. You must have money in the account before you can use!
I have a Euro current account and find it so handy. Don't have to carry loads of cash around. Great for withdrawing small amounts of cash as you need it, at no charge.
#9
shibi din
Open up a Citibank USD current account. Can use the debit card for withdrawing money and as a debit card in shops, restaurants, etc. You must have money in the account before you can use!
I have a Euro current account and find it so handy. Don't have to carry loads of cash around. Great for withdrawing small amounts of cash as you need it, at no charge.



Links for both would make you worth of rep, not that I'm bribing you...
#10
shibi din

I have a Euro current account and find it so handy. Don't have to carry loads of cash around. Great for withdrawing small amounts of cash as you need it, at no charge.


Do they not charge a commision on cash transactions?
1 Like #11
schizoboy
Links for both would make you worth of rep, not that I'm bribing you...


http://www.citibank.co.uk/personal/banking/international/eurocurrent.htm

Just had a look at it myself, only caveat is that you can only use Citibank ATM machines to withdraw cash - could be a problem in certain parts of the US.

No information available on the exchange rates they use.
#12
moob
http://www.citibank.co.uk/personal/banking/international/eurocurrent.htm

Just had a look at it myself, only caveat is that you can only use Citibank ATM machines to withdraw cash - could be a problem in certain parts of the US.

No information available on the exchange rates they use.


Otherwise their debit card is accepted in most places???
#13
schizoboy
Otherwise their debit card is accepted in most places???


Does that have any charges?
1 Like #14
schizoboy
Otherwise their debit card is accepted in most places???


It seems so. The only thing I'd want to find out is if the exchange rate they give is decent. I know for a fact that the Nationwide use the visa wholesale market rate - the best about really - so you will always get a very good non commission loaded exchange rate.

Citibank want you to phone to get their rates.

To inactive, they seem to charge 2.75% commission for a purchase that is not in your own currency (no charge for ATM use in their ATMs) - so that means this card is not as good as the Nationwide, who charge 1%. It's on page 8 of their fees/rate pdf.

http://www.citibank.co.uk/personal/banking/customerinfo/otherinformation/documentlibrary/allrates.pdf?merchant=citi
#15
moob

To inactive, they seem to charge 2.75% commission for a purchase that is not in your own currency (no charge for ATM use in their ATMs) - so that means this card is not as good as the Nationwide, who charge 1%. It's on page 8 of their fees/rate pdf.



Thanks, yes I have a Nationwide Card, I was just wondering if Citi Bank had improved recently, when I last used them they were pants, I cancelled my account with them.

I don't honestly think anyone is going to beat Nationwide.
#16
Yeah, it's just a shame they had to add that 1% charge into the card's use outwith the EEC.
#17
Santander seem to have one of the best around, no fees for using abroad and no cash advance fee. Only downside is you pay 27.9% interest on cash withdrawals from the date of withdrawal...

http://www.abbey.com/csgs/Satellite?appID=abbey.internet.Abbeycom&c=Page&canal=CABBEYCOM&cid=1210610544537&empr=Abbeycom&leng=en_GB&pagename=Abbeycom/Page/WC_ACOM_TemplateB2
#18
Inactive
Do they not charge a commision on cash transactions?


I wasn't charged when I used it in Mallorca in the summer.

moob
http://www.citibank.co.uk/personal/banking/international/eurocurrent.htm

Just had a look at it myself, only caveat is that you can only use Citibank ATM machines to withdraw cash - could be a problem in certain parts of the US.

No information available on the exchange rates they use.


The cash machines I used in Mallorca weren't Citibank ones and I had no charges imposed. I used it as a debit card in the airport and there were no charges imposed on that transaction either.

I have found the exchange rates given are usually a couple of cents more than anywhere else.

schizoboy
Otherwise their debit card is accepted in most places???


Debit card is accepted in any place that accepts debit cards - most places.

Inactive
Does that have any charges?


Not in my experience.

moob
It seems so. The only thing I'd want to find out is if the exchange rate they give is decent. I know for a fact that the Nationwide use the visa wholesale market rate - the best about really - so you will always get a very good non commission loaded exchange rate.

Citibank want you to phone to get their rates.

To inactive, they seem to charge 2.75% commission for a purchase that is not in your own currency (no charge for ATM use in their ATMs) - so that means this card is not as good as the Nationwide, who charge 1%. It's on page 8 of their fees/rate pdf.

http://www.citibank.co.uk/personal/banking/customerinfo/otherinformation/documentlibrary/allrates.pdf?merchant=citi


See above. To find out what exchange rate they currently are using I'll explain below.

First, I opened a GBP savings account with Citibank (you get interest on this as well). Then I opened a Euro current account. I transfer money into my savings account from my uk bank account. I then transfer money from there into my Euro account. To check what rate they are giving just transfer £1 and you'll see the amount going into current account. You don't have to go through with the transaction.
The debit card you are given with the current account should be linked with that account. If you use it in the uk you will be charged for doing so as you are effectively withdrawing cash in another currency. I keep mine linked to my Euro account all the time as I have no need to use it over here.

I have not paid any charges while withdrawing money in Spain or using it as a debit card. My family use theirs regularly in Malta - there are no Citibanks there - and they have never incurred any charges either.

I should add - before I next go the States I will be opening a Dollar current account as well, to be used in the same way as the Euro account.

HTH.
#19
Thanks for your info, fact remains that Citibank will charge you for making transactions in the States for purchases - 2.75% as stated on their site.

There is still a question mark over what they base their exchange rate on - at Nationwide, they openly inform you that they use the Visa Market Rate - possibly the best you can get - you can check this online, daily.

I think I will stick with my Nationwide account - 1% isn't a lot, especially when you consider their exchange rates, and the fact you don't have to mess about with moving your money around from different accounts.
1 Like #20
moob
Thanks for your info, fact remains that Citibank will charge you for making transactions in the States for purchases - 2.75% as stated on their site.

There is still a question mark over what they base their exchange rate on - at Nationwide, they openly inform you that they use the Visa Market Rate - possibly the best you can get - you can check this online, daily.

I think I will stick with my Nationwide account - 1% isn't a lot, especially when you consider their exchange rates, and the fact you don't have to mess about with moving your money around from different accounts.


Same here, for the same reasons, Citi Bank seems to have far too many complex conditions for my liking, at least Nationwide is straightforward.
#21
moob
Thanks for your info, fact remains that Citibank will charge you for making transactions in the States for purchases - 2.75% as stated on their site.

There is still a question mark over what they base their exchange rate on - at Nationwide, they openly inform you that they use the Visa Market Rate - possibly the best you can get - you can check this online, daily.

I think I will stick with my Nationwide account - 1% isn't a lot, especially when you consider their exchange rates, and the fact you don't have to mess about with moving your money around from different accounts.


I looked to see where you were getting the 2.75% from. You would pay 2.75% if your debit card was linked to your GBP account and you used it in the States, or alternatively if it was linked to your Dollar account and you used it in the UK. It's really easy to use, free of charge. You can call Citibank on their freephone number and tell them you are going to the States and will be using your debit card there. They will link it to your dollar account (this is the only hassle you will have with this card) and then you can use it free of charge. http://www.citibank.co.uk/personal/banking/international/eurocurrent.htm?merchant=citi this page tells you more about it.
Even where it says about free cash withdrawals from Citi cash machines I have used other machines at no extra charge. My family use these in Malta all the time at no charge and my brother used his in the States at no charge.
I honestly find this the easiest, most hassle-free option for foreign currency (and you don't have that 1% that Nationwide charges). :)
#22
I tried to call the freephone exchange rate number to check rates, it just went through to card activations, they obviously don't want people to know what rates they are paying.

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