Category Archives: Foreign Transaction Fees

Up to $1,000 in Flights With This No Annual Fee Card!

There’s a no-annual-fee credit card with a generous sign-up bonus.  And it’s not getting much attention!

Via Doctor of Credit, the Merrill Lynch Merrill+ Visa is offering a sign-up bonus of 50,000 Merrill points.  That’s worth between $500 and $1,000, depending on how you use them!

Emily and I don’t earn commission on this card, but we’ll always tell you about the best deals we’re aware of!

Up To 1000 In Flights With This No Annual Fee Card

Your Merrill Lynch Points Can Be Worth 2 Cents per Point Towards Airfare, Domestic or International

I’ll tell you about this card, and show you how to maximize its rewards!

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Can You Upgrade a Chase Card to Ink Business Preferred?

The new Chase Ink Business Preferred card has fantastic perks like 3X points for travel purchases and up to $600 of cell phone protection insurance.

Because of Chase’s tougher application rules, most folks who have opened more than 5 cards in the past 24 months will likely not be approved for the Ink Business Preferred.

Instead, you can consider a product change.  This way, you’ll get the ongoing perks of the card.  But you will NOT earn 80,000 point sign-up bonus.

Depending on your spending habits, it might make sense to change to Chase Ink Business Preferred.  I’ll explain!

Upgrade To Chase Ink Business Preferred

Folks Who Spend a Lot on Travel Purchases Can Earn 3X Chase Ultimate Rewards Points by Upgrading an Eligible Card to the Ink Business Preferred

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Limited Time: Best-Ever Offers for AMEX Hilton Cards Are Back!

Did you miss out on the highest-ever offers from the American Express Hilton cards earlier this year?  Here’s another chance to get in on the deal!

Via Doctor of Credit, after meeting minimum spending requirements, you’ll earn 100,000 Hilton points with the Hilton HHonors™ Surpass® Card from American Express or 75,000 Hilton points with the Hilton HHonors™ Card from American Express.

To earn the higher sign-up bonus, you must apply by November 30, 2016.

Emily and I don’t earn a commission for these offers, but we’ll always share the best deals with our readers!

Limited Time Best Ever Offers For AMEX Hilton Cards Are Back

Use Your Hilton Points to Stay at the Hilton Molino Stucky in Venice

I’ll remind you of the offers and how you can use the points for stays at terrific Hilton hotels!

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Is the Barclaycard Arrival Plus Worth the Annual Fee?

Million Mile Secrets Reader, Mike, commented:

Am I missing something, or is the no-fee Chase Freedom Unlimited far superior to the Barclaycard Arrival Plus?  You can get more value with 1.5 Chase Ultimate Rewards points per $1 when you transfer them.  Even the Citi Double Cash looks superior, earning effectively 2% cash back vs. 2.1%.  And you can use it for anything and there is no annual fee.  Are there any benefits other than the sign-up bonus of the Barclaycard Arrival Plus that would justify the $89 annual fee?

Mike makes some great points!  There are good no annual fee credit card options that earn valuable rewards instead of the $89 annual fee Barclaycard Arrival Plus.

But the Barclaycard Arrival Plus has perks that make the card worth signing-up for, and depending on your situation, even keeping!

Is The Barclaycard Arrival Plus Worth The Annual Fee

My Barclaycard Arrival Plus Came in Handy During My Trip to Iceland!

I’ll show you where this card outshines most no annual fee cards.  And help you decide if it’s right for you!

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Chase Sapphire Reserve – No Foreign Transaction Fees!

Lots of US credit cards charge up to 3% when you use them for transactions in a foreign country.  But with the Chase Sapphire Reserve card, you will NOT be charged foreign transaction fees when you’re abroad!

That’s great news, because if you spend a lot overseas, using a credit card without foreign transaction fees can mean substantial savings.

And with the Chase Sapphire Reserve, you’ll earn extra Chase Ultimate Rewards points in bonus categories too!

Chase Sapphire Reserve Foreign Transaction Fee

Emily Enjoying the Train Ride From London to Paris! By Using the Chase Sapphire Reserve Card for Travel Purchases Like This, You’ll Avoid Foreign Transaction Fees & Earn 3X Chase Ultimate Rewards Points for Your Ticket Purchase!

I’ll share more details as to why the Chase Sapphire Reserve card is a great option to use while traveling!

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What’s the Best No-Annual-Fee Credit Card for Military Personnel?

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers.

Million Mile Secrets reader Rather B tweeted:

What’s the best first no annual fee card for my military son?  Bag fees aren’t an issue.  But $3,000 minimum spending to get the sign-up bonus may be hard.

Thank you for the question, Rather B.  And thanks to your son for his service!

American Express cards are a good pick if you are in a similar situation.  That’s because American Express will waive credit card fees for members of the military, like late fees and over-limit fees!

What's The Best No Annual Fee Credit Card For Military Personnel

To Our US Military, American Express Has You Covered

I’ll explain how military personnel can avoid annual fees.  And suggest other credit card options, too!

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Top 5 Small Business Credit Cards With No Annual Fee for 2016

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

Paying a credit card’s annual fee is not something most folks look forward to.  Especially those new to our hobby of miles & points.

So I’ve put together a list of my favorite no-annual fee small business credit cards to help you minimize your out-of-pocket expenses!  Credit cards that don’t have an annual fee are great, because you’ll never have to cancel them.

Top 5 Small Business Credit Cards With No Annual Fee For 2016

Put Your Money Towards an Ocean Breeze Instead of Annual Fees

Here are my top 5 picks of small business credit cards with no annual fee.

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Best of Million Mile Secrets – June 2016

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

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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Easily Find Credit Card Currency Conversion Rates With Mercez App

I recently wrote about which card issuers give the best exchange rate for foreign transactions.  And ran an experiment which showed MasterCard had the most favorable rates.

But that might not be the case in every situation.  Deciding which credit card to use when traveling abroad can be tricky, because the major banks use a different conversion tool for rates.

The Mercez app can check which card gives you the best exchange rate from the local currency into US dollars when making your purchase.

Easily Find Credit Card Currency Conversion Rates With Mercez App

The Mercez App Helps You Determine the Best Card to Use Abroad by Checking Currency Conversion Rates by Credit Card Issuer

I’ve been playing with the app and the concept is great, but it’s not perfect.  Here’s my full review.

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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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