Fees for using cards abroad

TOP_CAT

I would say its not unreasonable to assume if you had a Chase account you would know it comes with a Chase debit card and if you had applied for  Barclaycard credit card in your name you would know its a credit card .

They are probably on holiday using the cards and possibly checking transactions online .

NoodleDoodleMan

TOP_CAT said:

I would say its not unreasonable to assume if you had a Chase account you would know it comes with a Chase debit card and if you had applied for  Barclaycard credit card in your name you would know its a credit card .

They are probably on holiday using the cards and possibly checking transactions online .

The OP was unclear about the Barclay Rewards card used in practice abroad.

Same as I was when I opened one - thanks to Barclays confusing across the board wording on credit card fees, which don't apply to the Rewards card.

You know what they say about assumptions.

TOP_CAT

I know what you said so do others on here but dont let that stop you .

dbmabz

It is the terms and conditions that you signed up too when applying for the card that apply. If these say that there is no foreign transaction fee then that is correct.

Barclaycard really should not be sending out generic leaflets regarding different terms for different cards.

For future reference save the terms when you apply, or screenshot the card companies website with the details of the card you apply.  

Admiral_Barbarossa

I use a fx money top up card, where I put $$$ on for use in the USA. It has competitive exchange rates and charges no fee when the transaction is in $$$. Other currencies are available on the card!

OP Visa will always change an Interchange fee on currency transactions. Barclaycard will not add another fee!

NoodleDoodleMan

TOP_CAT said:

I know what you said so do others on here but dont let that stop you .

As for what people said.

The OP's final sentence.

"I thought this might be helpful for anyone else in our situation with a holiday abroad coming up."

Barclays Reward credit card is an ideal piece of plastic to have on holiday - if you have one then there is no need to apply for a Chase card.

Unless as a backup card of course.

denow

NoodleDoodleMan said:

As for what people said.

The OP's final sentence.

"I thought this might be helpful for anyone else in our situation with a holiday abroad coming up."

Barclays Reward credit card is an ideal piece of plastic to have on holiday - if you have one then there is no need to apply for a Chase card.

Unless as a backup card of course.

Except you'll get 1% cashback with Chase in the first 12 months and 0.25% with Barclaycard Rewards.

All that holiday spending adds up...

Seems it would be the better idea to use the Chase DEBIT as primary spending card and the Barclays Reward CREDIT card as backup (as I stated in MY post).

NoodleDoodleMan

I simply pointed out that Chase is not a credit card - seemed a reasonable comment on a Credit Card forum.

Other opinions obviously differed.

The difference in cashback is hardly going to be a decisive aspect unless very large levels of spending are involved, and the Chase 1% only lasts the 12 months as you say.

I took out the Barclay Reward without any heed to the cashback - it was the no fees abroad and interest free cash at ATMs which persuaded me.

denow

mike9199 said:

I use MasterCard for most of my purchases and only recently recognized i am paying a currency converter fee with the every single transaction. 

You need to get one of the cards mentioned in this thread. Others are Halifax Clarity and one of the Natwest cards. Always read the small print.

bigbill

NoodleDoodleMan said:

I simply pointed out that Chase is not a credit card - seemed a reasonable comment on a Credit Card forum.

Very reasonable as I just waited weeks to get a Chase card only then to realise it was not a credit card and that you needed to top it up before use so safe to say I will not be using it and stick to the Halifax one.