Best card for spending in USA

Letsgetmoving

We are hoping to book Orlando next summer and I wanted a credit card for using out there. My current Halifax credit card is poor for fees and conversion rate.

I plan to pay it off within a month or two at most coming back so could manage a higher rate?

Any suggestions?

MorningcoffeeIV

Anything with no forex fees. 

Since you're already with Halifax, you could see if a switch to Clarity is easiest.

Billxx

https://www.moneysavingexpert.com/credit-cards/travel-credit-cards/

MDMD

MorningcoffeeIV said:

Anything with no forex fees. 

Since you're already with Halifax, you could see if a switch to Clarity is easiest.

Although it charges interest from the date of purchase to the day it is paid off and the OP suggested they won’t be paying it off immediately.

MrFrugalFever

I used Zopa credit card and 118Money credit card when in Las Vegas. Both had zero FX fees and did what I needed them to do.

400ixl

Always best to have multiple ways of paying when abroad. In the US I would suggest have a Chase current account as you can use the debit card in their ATM's for free with the spot rate for exchange rate.

Using a credit card to get cash out will be expensive. Not that you will need much in the US, but it makes for a good backup card alongside the credit card.

Personally I have found the Halifax Clarity to be a good credit card for me.

retiredbanker1

400ixl said:

Always best to have multiple ways of paying when abroad. In the US I would suggest have a Chase current account as you can use the debit card in their ATM's for free with the spot rate for exchange rate.

Personally I have found the Halifax Clarity to be a good credit card for me.

100% agree apart from one thing - most ATM's in USA charge a fee for using the machine which is outside the control of card issuers.
So cashing say $200 dollars in one transaction will work out much cheaper than say 5 x $40

Letsgetmoving

Thanks everyone, I’ll take a look. 

My OH has revolute for travelling for work but that’s mostly for Euros.

eDicky

MDMD said:

MorningcoffeeIV said:

Anything with no forex fees. 

Since you're already with Halifax, you could see if a switch to Clarity is easiest.

Although it charges interest from the date of purchase to the day it is paid off and the OP suggested they won’t be paying it off immediately.

Really..? In ten years of purchases with Halifax Clarity, not paid off until the due date,  I've never paid a penny in interest...

Ganga

eDicky said:

MDMD said:

MorningcoffeeIV said:

Anything with no forex fees. 

Since you're already with Halifax, you could see if a switch to Clarity is easiest.

Although it charges interest from the date of purchase to the day it is paid off and the OP suggested they won’t be paying it off immediately.

Really..? In ten years of purchases with Halifax Clarity, not paid off until the due date,  I've never paid a penny in interest...

They might mean for a cash withdrawal rather than purchases

400ixl

retiredbanker1 said:

400ixl said:

Always best to have multiple ways of paying when abroad. In the US I would suggest have a Chase current account as you can use the debit card in their ATM's for free with the spot rate for exchange rate.

Personally I have found the Halifax Clarity to be a good credit card for me.

100% agree apart from one thing - most ATM's in USA charge a fee for using the machine which is outside the control of card issuers.
So cashing say $200 dollars in one transaction will work out much cheaper than say 5 x $40

Which is why I said a Chase card in one of their ATM's. They do not charge anything for the use of their own cards in their own ATM's.