JazzyLover14 Posted April 4, 2014 #1 Share Posted April 4, 2014 Need to apply for a credit card for use on my upcoming international cruise. Which bank offers the best transaction fees. Thanks Link to comment Share on other sites More sharing options...
navybankerteacher Posted April 4, 2014 #2 Share Posted April 4, 2014 Need to apply for a credit card for use on my upcoming international cruise. Which bank offers the best transaction fees. Thanks You might want to consider getting one with embedded chip, making it significantly more useful overseas, rather than just the cheapest. Link to comment Share on other sites More sharing options...
Bonnie J. Posted April 4, 2014 #3 Share Posted April 4, 2014 Its a good idea to let you credit card company know whenever you are out of the county and tell them where you'll be. You can ask them about a card with a chip. Once buying gas for our motor home, the Texaco card was denied because we held 90 gallons and they couldn't see putting that much gas in a car. So I called them told them about the motor home, they put that somewhere and we never had problems getting gas again. Link to comment Share on other sites More sharing options...
Travelingclerk Posted April 4, 2014 #4 Share Posted April 4, 2014 (edited) Letting your credit card company know when you're out of the country is a must. A card with a chip is a good idea, but for me the most important one is a card with "no foreign transaction fees". Edited April 4, 2014 by Travelingclerk Link to comment Share on other sites More sharing options...
crzndeb Posted April 4, 2014 #5 Share Posted April 4, 2014 Need to apply for a credit card for use on my upcoming international cruise. Which bank offers the best transaction fees. Thanks A quick google check can give you some examples. Personally, I also like a credit card that gives me back some type of award like air miles. Link to comment Share on other sites More sharing options...
Glaciers Posted April 4, 2014 #6 Share Posted April 4, 2014 Need to apply for a credit card for use on my upcoming international cruise. Which bank offers the best transaction fees. Thanks We use Capital One for international travel as they don't charge a fee for foreign currency transactions. Link to comment Share on other sites More sharing options...
Guest maddycat Posted April 4, 2014 #7 Share Posted April 4, 2014 Here are some sites where you can compare cards. http://www.lowcards.com/ http://cardratings.com/ http://www.creditcardguide.com/?aid=f1f8df42&keyid=114946&adused=20901739816&gclid=CNGyv_6Vr7YCFYje4Aodr34AyQ Link to comment Share on other sites More sharing options...
Rare cruisemom42 Posted April 4, 2014 #8 Share Posted April 4, 2014 For international travel, the most important thing to pay attention to is what percentage the card charges for foreign transactions. (It's called a foreign transaction fee.) Some cards charge up to 3% per transaction. I use a Capital One MasterCard with 0% foreign transaction fees. Getting a true chip-and-pin card is still difficult in the US, and as of right now you will only run into problems if you need to use your card at an unmanned kiosk -- such as for tolls, parking fees, buying tickets, etc. Anywhere that has a human operator is supposed to be able to still run your card (although some will try to tell you otherwise.....) Link to comment Share on other sites More sharing options...
Thaxted Posted April 4, 2014 #9 Share Posted April 4, 2014 Like Glacier, I'd suggest a Capital One card. Given the foreign currency transaction fees other cards charge, I doubt in most cases that any rewards they might offer would be sufficient compensation for what they'll be taking from you.The one drawback to Capital One is that they still don't offer a chip card. But when we traveled to Europe last summer, we found this to be only a slight inconvenience. Of course, there may be a better card for your particular needs, so do look around. Link to comment Share on other sites More sharing options...
navybankerteacher Posted April 4, 2014 #10 Share Posted April 4, 2014 For international travel, the most important thing to pay attention to is what percentage the card charges for foreign transactions. (It's called a foreign transaction fee.) Some cards charge up to 3% per transaction. I use a Capital One MasterCard with 0% foreign transaction fees. Getting a true chip-and-pin card is still difficult in the US, and as of right now you will only run into problems if you need to use your card at an unmanned kiosk -- such as for tolls, parking fees, buying tickets, etc. Anywhere that has a human operator is supposed to be able to still run your card (although some will try to tell you otherwise.....) Restaurants in England have refused to process cards without chips. It may be that the staff were either lazy or uninformed, but it has happened to us a couple of times. Link to comment Share on other sites More sharing options...
Rare Gail & Marty sailing away Posted April 4, 2014 #11 Share Posted April 4, 2014 Chase Sapphire card ... Link to comment Share on other sites More sharing options...
josumello Posted April 4, 2014 #12 Share Posted April 4, 2014 Have just finished travel on AU,NZ,SoAfrica,So America and Europe. The minimum accepted card was a chip and sign. AU some venues only wanted chip and pin. I was able to persuade them to take my chip and sign with passport as ID. They said starting next year only chip and pin no matter what. Forget a card with only magnetic stripe. They will not be accepted. This happened to my son last month in Europe. We got a travel rewards card from BOA. Chip and no foreign transaction fees or annual fees Chip and sign. Will definitely get chip and pin for next trip out of country. Sent using the Cruise Critic forums app Link to comment Share on other sites More sharing options...
Underwatr Posted April 4, 2014 #13 Share Posted April 4, 2014 By ~Oct 2015 most all US issuers will be issuing EMV (Chip) cards because the card networks will push them to it. http://creditcardforum.com/blog/chip-and-pin-credit-cards-usa/ Link to comment Share on other sites More sharing options...
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