Cards like Halifax Clarity in the USA??

ronbell101

the link I pointed you to has a list of Credit Cards stating no annual fee your reply stated that they HAVE an annual fee ??

SLZ

jumperabv3 wrote: »

I have Halifax Clarity Card but I also want to issue a US credit card (in USD) like this card ... mainly to use it for purchases and cash withdrawals in the UK or abroad and be charged in USD.

I have good credit in the US, I have a US bank account, I just cannot find online any card that is similar to Halifax Clarity. Do you have any suggestions which card is similar so I could apply for it either online, over the phone or in person?

Thanks!

Citi ThankYou Premier, that's all.

gt94sss2

jumperabv3 wrote: »

I'm just looking for a US card, from a US financial institution (not a UK one), that doesn't charge you exchange rate fees when you use it abroad (abroad i.e. outside of the US)

HSBC offer such cards in the US - see http://www.us.hsbc.com/1/2/home/personal-banking/credit-cards

Regards
Sunil

jumperabv3

ronbell101 wrote: »

the link I pointed you to has a list of Credit Cards stating no annual fee your reply stated that they HAVE an annual fee ??

No, I think you misunderstood.
There is an annual fee and there is a cash withdrawal fee.

So your cards do not charge an annual fee but that's not a big thing to rejoice about - because most cards anyway never charge an annual fee.

These cards you actually pointed out - they do charge you a fee whenever you make a cash withdrawal - that's what I wanted to avoid. So PenFed and Andrews Credit Unions provide a good solution.

Also from looking online in another forum (Flyertalk) Charles Schwb and State Farm provide DEBIT (not Credit) cards which are good for the same thing, but I personally prefer credit and not debit because it helps builds your credit in the US.

jumperabv3

gt94sss2 wrote: »

HSBC offer such cards in the US - see http://www.us.hsbc.com/1/2/home/personal-banking/credit-cards

Regards
Sunil

No, I'm afraid these cards are not useful.
Yes, indeed they mention there:

No foreign transaction fees on card purchases made in a foreign country.

BUT look here:
http://www.us.hsbc.com/1/2/home/customer-service/sot-cc/irr

For cash withdrawals they do charge:

Either $10 or 4%, whichever is greater, will apply on each cash advance transaction.

So yes, it's good for purchases but not for cash withdrawals, so it's not really worth it. You gotta read the small print.