Apple card no foreign transaction fees8/19/2023 and issued by Goldman Sachs, designed primarily to be used with Apple Pay on an Apple device such as an iPhone, iPad, Apple Watch, or Mac. Navy FCU's Flagship has a $49 annual fee and $50 minimum redemption, but it does earn 3x on travel plus 2 on everything else, and it has a $500 bonus on spending $4k, offsetting several years of that fee.Apple Card is a credit card created by Apple Inc.If you have a business (eBay seller?) AmEx Blue Business earns 2% (oops, has an FTF).Chase does this even after joining, but to get >2% you'd need multiple cards (with waived annual fees). If you're joining the military, Citi waives foreign transaction fees on cards you had open before joining, including the Double Cash.If you invest $100k with BoA, their cards can earn ~2.6%.PenFed Power Cash is generally a good option.Alliant's 2.5% card is loved by a certain crowd, but so many people get it that they have to keep changing it to stay profitable.SoFi gets high marks for a feature-rich app (that sells your data) and phone insurance.SDFCU is probably the most overseas-oriented card.This means that the net result of the QS with 1.5% cash back is similar to a Visa card with 2% cash back. Here in Africa, I get about 0.5% better with an MC card than Visa. This is very dependent on location/currency, but this is the case in general. One advantage of the Capital One Quicksilver is that MasterCard (if it is MC the QS exists in both MC and Visa) generally gives a bit better exchange rate than Visa. If your spend won't be too much, it might not even be worth getting another card for another 0.5% cash back. The PenFed card requires either holding at least $500 in a checking account or certain direct deposit minimums to get 2% cash back it's 1.5% otherwise. I had a lot of hassle joining because I was already living in Africa when I did it, but if you do it before moving abroad, it should be much easier. Both of these require joining their applicable credit union. (She is getting one, and it has just been delivered to our US address, but it is not here yet.)īased on my experiences, I would recommend getting either the SDFCU Premium Cash Back+ or a PenFed Power Cash Rewards if you are bent on getting a 2% cash back card. ![]() My wife still uses the SDFCU PCB+ because she does not have a CRO debit card. I still use the CSR for dining or travel categories, but not much outside of that. I received the debit card a few weeks ago, so I have just changed up my card usage standard. However, because I live in a developing country in Africa, the opportunities to use a card are not as plentiful as they would be as if I lived in Europe for example. I sure do! I am an expat now, and before moving abroad I traveled abroad quite a bit. Given that, do you have any other recommendations? I’m planning on moving abroad for a year or two. We may make an exception if it's truly unique and helpful. Self-promotional posts must be pre-approved by a mod. Spamming other users will get you banned. This includes any behavior that could be deemed fishing for referrals. Don't post them don't hint at offering them don't ask for them. This applies to any posts where we suspect anything potentially illegal or fraudulent, and may include buying/selling tradelines. PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests CreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service
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