Chase Credit Cards Get This Wrong

Signing-up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

Chase Credit Cards Get This Wrong

Scott LiebermanChase Credit Cards Get This WrongMillion Mile Secrets Team

Signing-up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

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

First, I must say, I absolutely love my Chase credit cards.  Because of Chase Ultimate Rewards points, I’ve had amazing travel experiences using miles instead of money.  So I don’t want to sound like I’m not super grateful.  I am.

But I’d use certain Chase credit cards a lot more if they dropped this outdated policy.  And I’m not talking about the Chase 5-24 rule either.

Here are the 6 awesome Chase credit cards I have.  I’ll tell you which get this policy wrong and which get it right.  See if you can figure it out before I reveal the answer. 🙂

The Chase credit card I most covet is the Ink Business Preferred Credit Card.  Thankfully, it gets it completely right.

The Eiffel Tower in Paris at Night. See it with your Chase credit card
I’ll Only Use 3 of My 6 Chase Credit Cards When Visiting Paris Again — Here’s Why

When All Chase Credit Cards Follow This, I’ll Use Them All While Traveling

The answer is… foreign transaction fees!  I despise this nonsense charge.  When I’m outside the US I’m constantly using and earning points on my

But…

I’d be using my Freedom, Ink Cash, and Ink Unlimited credit cards while in Europe, the Caribbean, and everywhere else too, if only they finally ditch the international fee.  These are 3 cards I use all the time while in the US.  But oh well, I switch that spending to competitor credit cards that don’t tack on the ridiculous fee.

You might counter, well, Freedom, Ink Cash, and Ink Unlimited are no annual fee credit cards.

And?!

Capital One and Discover don’t add foreign transaction fees to their no annual fee credit cards.  I mean, I end up switching some of my international spending to my Capital One® Quicksilver® Cash Rewards Credit Card.  

Goodness, even the no annual fee Wells Fargo Propel American Express® Card doesn’t charge a foreign transaction fee.  That card is a little bit overlooked in the travel credit card community.  Quick run-down:

  • 30,000 bonus points (worth $300) after spending $3,000 within the first 3 months
  • No annual fee
  • No foreign transaction fees

And you earn 3X points for eating out and ordering in, which is super useful when you’re visiting another country.  The 3X at gas stations, rideshares, and transit also comes into play while exploring a new place outside the US.

The information for the Wells Fargo Propel American Express® Card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

Chase credit cards are my favorite because I find them to be the most valuable and easy to use to get incredible travel experiences.  So I’d like them to match the competition and remove the foreign transaction fees.

Bottom Line

If Chase stopped it with the foreign transaction fees, I’d be using all 6 of my Chase credit cards on just about every trip outside the country.  Here are the 3 I’ll be using on my upcoming winter trip to the warm, sunny beaches of the Dominican Republic:

The next Chase credit card I want is the Ink Business Preferred Credit Card. 

I look forward to using it everywhere (not just in America) because it has no foreign transaction fee.  The sign-up bonus of 80,000 Chase Ultimate Rewards points (after you spend $5,000 on purchases in the first 3 months from account opening) is just too good to pass up.

And I’ll be rocking the 3X Chase Ultimate Rewards points for every $1 spent on travel.

Fine print:  You earn triple Chase points for every $1 you spend on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines up to a maximum of $150,000 in combined purchases per account anniversary year.

Again, I’m very grateful for the experiences I’ve had thanks to Chase credit cards and points like Business Class flights to Europe, free luxury resorts on the beach, award stays at fancy hotels in fun cities, and more.  So maybe it’s a small gripe in the grand view of things.  But I’d use my Chase credit cards even more if they’d make this policy update!

If you liked this post, why don’t you join the 36,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!

22comments

by Newest
by Best by Newest by Oldest

I used to like Chase Ink until this happened.

Bought ticket but had a medical emergency and had to cancel. Notified airline. Filed claim per Chase Ink benefit offer for ~$2100. Received tax refund from airline (Air Canada). Over a 5 month period kept getting requests for more information which I supplied. Today I received a settlement offer of $100 with the claim that the credit card company would pay the balance on 6 June 2019, one year after I purchased the ticket through them. The credit card division knows nothing about any credit for me. And they also said my claim was for only for $1625.38, another error. I’ve written the claim division again asking what is going on, where’s my money? Not a happy camper.

Hi Robert,

So sorry to hear that! I’ve read some stories online of people having trouble with claims like this, especially when it involves any complex or unusual scenarios.

I once filed a claim for extended warranty (through AMEX) and it went through without a problem.

I’m hoping horror stories like yours are more the exception.

Johnny Dickerson

U have ripped me off since 2000 and I’m going to get paid what u owe me

Chase Sapphire Reserve gives a better deal than Sapphire Preferred. 3% for travel and dining with no foreign transaction fee. The net $150 annual fee can be offset with an included Priority Club airport lounge card to admit you and your spouse.

The two times I traveled recently on business to Poland via Germany, when I made personal purchases on my personal CC with “no foreign transaction fees” the POS terminal had some fine print that basically said the total charge would include a transaction (hidden?) fee.

Author

I almost had this happen to me in Poland, too. Mark, here’s how you avoid it. ALWAYS ask the cashier/server to charge your card in the local currency. NEVER pay in US dollars when using your credit card overseas.

Reserve has significant benefits. GOES credit is $100.

Car rental coverage is much better. $70000 vs. True Cash Value. Total a rental and you are stuck with TCV vs. what rental company charges and all loss of use charges. 50000 initial bonus is worth $750 vs
$625. Plus the extra 25% bonus applies to ALL CUR points from all other cards. The travel insurance is much better. My wife was hospitalized 6 days before leaving for a transatlantic cruise. Reserve covered airfare, 1 week hotel stay pre cruise and cruise fare

Author

Hi Stanley, Sorry to hear about your wife. And I’m glad Chase helped you both out in that situation! It’s one of the many benefits of using a great credit card instead of a debit card.

Load more