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Best card to use in USA?

OXFORD_SMOGGY
OXFORD_SMOGGY Posts: 685 Forumite
in Credit cards
I am going away next week so cant sign up to a new card but I have:

Capital one card 0.5% cashback
Amex card 1% cashback

Which one will give me the best exchange rate and no charges?
:beer: Printing money since 2008 :beer:

Comments

  • darren72
    darren72 Posts: 1,309 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    You would be best to check your agreements to confirm the rates, but I am of the belief that both cards charge non-sterling transaction fees.

    The Amex card I believe charges a fee of 2.99% and the Capital One card a fee of 2.75%.

    You might have time to order a Revolut (prepaid) card (if you are going away towards the end of next week), as they normally arrive quite quickly.
  • Ben8282
    Ben8282 Posts: 4,821 Forumite
    1,000 Posts Combo Breaker Newshound!
    edited 26 May 2017 at 3:34AM
    Best to use the Amex where possible for the higher cashback and the Capital One where the Amex is not accepted.
    Do Capital One actually have a UK issued cashback card?
  • eDicky
    eDicky Posts: 6,835 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Your cards' cashback is dwarfed by their non-sterling fees.

    To avoid all fees and get the straight MasterCard exchange rate, sign up for Monzo via the MSE link, load £100 and the card will arrive in a day or two:

    http://www.moneysavingexpert.com/credit-cards/prepaid-travel-cards#monzo

    Revolut is also a good option, if the card (£5) arrives in time.
    Evolution, not revolution
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