Category Archives: Foreign Transaction Fees

Best of Million Mile Secrets – June 2016

1.   I shared the great news that the AMEX Delta cards are offering limited-time increased sign-up bonuses through July 6, 2016.

And then showed you how to use those bonuses to fly to Europe or get $1,200 worth of US flights!  Or $600 without searching for award flights (but if you’re flexible, the sign-up bonus is worth much more!)

Best Of Million Mile Secrets - June 2016

With the AMEX Platinum Delta 60,000 Mile Sign-Up Bonus and Miles From Minimum Spending, You’ll Have Just About Enough Delta Miles to Fly One-Way to Athens in Business Class!

2.   Did you know the 75,000 Hilton points bonus on the no-annual-fee Citi Hilton Visa card is back?
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Which Cards Give the Best Exchange Rate on Foreign Transactions?

When you travel abroad, you’ll save money by using cards that don’t add foreign transaction fees.  Otherwise you’ll be charged an extra ~1% to ~3% on each purchase!

But did you know you’ll usually pay a different exchange rate depending on the card issuer?  Milevalue, One Mile at a Time, and View From the Wing suggest MasterCard offers the best rates.

So I decided to run an experiment with the help of a Million Mile Secrets team member who recently traveled to Canada.

Which Cards Give The Best Exchange Rate On Foreign Transactions

Traveling Outside the US? You’ll Get a Better Exchange Rate With Certain Cards!

I’ll let you know what we found out!

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The Best Way to Withdraw Cash While Overseas

Have you ever come home from a trip abroad and been shocked to see fees on your bank statement?  It’s not a fun way to end your vacation!

Most US banks add currency conversion fees of 1% to 3% for using ATMs abroad.  And sometimes, there’s an ATM fee of ~$3 to $5 in addition to the foreign exchange fee.  These fees can put a dent in your plans for Big Travel with Small Money!

The good news is some checking accounts do NOT charge currency conversion fees.  And they’ll even give you a rebate for any ATM charges anywhere in the world!

The Best Way To Withdraw Cash While Overseas

Foreign Transaction Fees and ATM Fees Are Frustrating! But Some Checking Accounts Don’t Add Them

I’ve made a list of the best checking accounts to use overseas.  And I’ll compare these accounts to help you decide which option is best for you!

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Review of the TD Cash Visa With $200 Bonus

Via Doctor of Credit, you can now get a $200 sign-up bonus with the TD Cash Visa card when you complete the minimum spending.

The sign-up bonus for this card is usually $100.  This deal is good through February 29, 2016.

We don’t earn a commission on this card, but we’ll always tell you about the best deals.

Review Of The TD Cash Visa With 200 Bonus

The TD Cash Visa Card Can Put $200 in Your Pocket!

I’ll explain what you get with this card and whether or not I think it’s a good deal!

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Can You Use the Barclaycard Arrival Card at Kiosks in Europe?

UPDATE: The offer for the British Airways card in this post has expired.  But check Hot Deals for the latest offers!

Million Mile Secrets reader, Peter, commented:

I am looking for a “true” chip-and-PIN card to use in Europe next year.  I have a chip-and-PIN card issued by the Andrews Federal Credit Union.  But I have had numerous customer dissatisfaction issues with them and would like to find another chip-and-PIN card, not just a chip-and-signature card.

I called Barclaycard and they say the Barclaycard ArrivalTM World MasterCard® (not the Arrival Plus, I don’t want to pay the annual fee) is a true chip-and-PIN card.

Do you know if that is true?

As I discovered on my trip to Iceland, if you’re traveling to Europe, bringing a credit card with chip-and-PIN capability could be the difference between happily driving to your next destination and being stuck on the side of the road.

That’s because many vending machines, train stations, and gas pumps in Europe only work with chip-and-PIN technology.

While most credit cards in the US, including the Barclaycard Arrival, do NOT have true chip-and-PIN technologythey’ll still work for you in most cases!

Can You Use The Barclaycard Arrival Card At Kiosks In Europe

You’ll Find Things in Europe That You Don’t See in the US – Gorgeous Buildings That Are Thousands of Years Old, Sold Out Soccer Err..Football Stadiums, and Kiosks That Only Accept Chip-and-PIN Cards

I’ll explain the difference between chip-and-PIN and chip-and-signature technology and tell you why the Barclaycard Arrival Plus card may be a better choice than the Arrival card.

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