Using CC in U.S.A AMEX or Santander

M0ney

Hi, I'm hoping someone will be able to help...

I'll be going on holiday to the states fairly soon and I'm wondering which card will work out more cost effective to use.

I have a BA AMEX standard (not platinum) and I just looked and the rate I get right now on the USD is 1.5401 after a 2.99% fee is added from an initial rate of 1.586.

I never use the Santander Zero card anymore I did call up to cancel it and the reason I didn't was that it is a card which is no longer issued and it is fee free when used abroad, however I wonder if to account for this they would use a much less attractive exchange rate. If anyone can shed any light on this I'd be grateful.

It's also worth noting that I'm inclined to think that I may be better off with the AMEX because I also get BA Avios points for every £ I spend on it.

grumbler

• Visa exchange rate calculator
• MasterCard daily foreign exchange rates

M0ney

Thanks a lot I think it would be more economical to use my Santander CC.

Vortigern

M0ney wrote: »

I never use the Santander Zero card anymore...

I suggest you use it now in the UK to make sure it still works, and that you can remember the PIN.

Also you should check that the DD to pay the card is still in place. DDs usually expire after 13 months of non-use.

M0ney

I can still access my account but I don't know the PIN will need a new one. Thanks.