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which card is best for spending in the US?

brycealan28
Posts: 1 Newbie
in Credit cards
I am having a few days in NY then taking a Cunard cruise back to Southamton. I need a card the will not charge me for spending and also to give a decent exchange rate. The ship uses USD's.
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Comments
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brycealan28 wrote: »I am having a few days in NY then taking a Cunard cruise back to Southamton. I need a card the will not charge me for spending and also to give a decent exchange rate. The ship uses USD's.
No credit card charges for spending - it's entirely a matter of the exchange rate.
Santander Zero, Post Office and Halifax Clarity are the possibles.0 -
Yep, then Nationwide Visa (credit card) at a loading of 1%.
Zero can work out good for cash too as there is no cash advance fee. But for cash, interest starts from the date of transaction, so pay off immediately by internet banking if possible without waiting for the statement to come.
Forex rates are fine on NW, Zero and PO. I've used all 3 for USD and the rate is similar to the oanda.com mid-rate (ie no hidden loadings). Overall NW works out 1% worse (as you'd expect). Other credit cards typicslly load by 2.75% to 3%. (Tesco seem to use their own rate which is adrift by 2.5% so works out at 5.5% worse in total.)
Most of my spend is in forex (US$3000 in the last month alone), so this is a big issue for me.0
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