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U.S. Bank Business Altitude™ Power World Elite Mastercard®
U.S. Bank Business Altitude™ Power World Elite Mastercard®
- 20.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24% to 28.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The U.S. Bank Business Altitude™ Power World Elite Mastercard® is a business rewards card for that earns up to 2.5X points on eligible purchases with mobile wallets, with no foreign transaction fees and a $0 introductory annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 6X points on on hotels and car rentals booked in the U.S. Bank Rewards Center
- 2.5X points on up to $5,000 in mobile wallet purchases each quarter
- 2X points on all other purchases
- No foreign transaction fees
- Regular Purchase APR: 20.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Penalty APR: 32.49%
- Annual Fee: $195
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
- Over Limit Penalty Fee: $40
- Your company spends heavily on mobile wallet purchases
- You plan to issue multiple employee cards to maximize rewards
- You want to streamline your bonus categories
- You spend enough on to justify the annual fee
Wells Fargo Autograph Journey Visa® Credit Card
Wells Fargo Autograph Journey Visa® Credit Card
- 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Wells Fargo Autograph Journey Card provide a lucrative earning platform for travelers who want the freedom to book travel on their terms and not based on a bank's travel portal. The card earns up to 5X points on travel purchases, offers points transfers to leading carriers and hotels, and comes with a slate of tarvel credits and benefits for a modest $95 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $50 annual airline statement credit
- No foreign transaction fees
- Earn 5X points on hotels, 4X on airlines, and 3X on travel and dining purchases
- Earn 1X points on all other purchases
- Transfer points to leading loyalty programs
- Regular Purchase APR: 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- You already bank with Wells Fargo
- You want a lucrative travel credit card without needing to book in restrictive travel portals
- You don’t want to pay any foreign transaction fees
- You can make use of the $50 annual credit
Chase Slate Edge℠
Chase Slate Edge℠
- 19.99% to 28.74% Variable Regular Purchase APR
- 19.99% to 28.74% Variable Balance Transfer APR
- 29.74% Variable Cash Advance APR
- 0% for the first 18 months from account opening date Intro Purchase APR
At a Glance
The Chase Slate Edge lets you make moves towards your credit goals with a host of impressive introductory bonuses. The card from Chase offers the chance at an automatic credit line increase, plus 0% intro APR for 18 months (with a variable APR after that) and automatic APR reduction when you pay on time after meeting minimum spending requirements– all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.49% - 29.24% on balance transfers and purchases after the introductory period ends.
- Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
- Member FDIC
- Intro Purchase APR: 0% for the first 18 months from account opening date
- Regular Purchase APR: 19.99% to 28.74% Variable
- Intro Balance Transfer APR: 0% for the first 18 months from account opening date
- Balance Transfer APR: 19.99% to 28.74% Variable
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 29.74% Variable
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% Variable
- Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
- You want to build credit with responsible usage
- You plan to carry a balance and will make use of the two 0% intro APR offers
- You don’t want to pay an annual fee
World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
- 20.99% to 27.99% Variable Regular Purchase APR
- 20.99% to 27.99% Variable Balance Transfer APR
- 29.74% Variable Cash Advance APR
At a Glance
The World of Hyatt Business Card is a business hotel rewards credit card from Chase. The card earns up to 9X Hyatt points per dollar spent, offers World of Hyatt Discoverist status for up to 5 employees, and features a lucrative 60,000-point introductory offer – all for a $199 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 60,000 Bonus Points after you spend $5,000 on purchases in the first 3 months your account is open. Plus, 15,000 more Bonus Points after you spend $12,000 in the first 6 months.
- Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualifying purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
- Regular Purchase APR: 20.99% to 27.99% Variable
- Balance Transfer APR: 20.99% to 27.99% Variable
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74% Variable
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% Variable
- Annual Fee: $199
- You have a small business and have employees that travel frequently
- You plan on issuing a handful of employee credit cards
- You expect to spend at least $5,000 on the card within 90 days of opening an account to take advantage of the card’s generous signup offer
Southwest Rapid Rewards® Plus Credit Card
Southwest Rapid Rewards® Plus Credit Card
- 20.99% to 27.99% Variable Regular Purchase APR
- 20.99% to 27.99% Variable Balance Transfer APR
- 29.74% Variable Cash Advance APR
At a Glance
The Southwest Rapid Rewards Plus Credit Card is a reliable airline rewards credit card for those who like to fly and prefer Southwest Airlines when they travel. The card earns 2X points on Southwest Airlines purchases and 1X points on all other purchases. The card has an annual fee of $69, which is mostly offset by the cardmember anniversary bonus of 3,000 miles given after each year of membership.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 3,000 anniversary points each year.
- Earn 2X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- 2 EarlyBird Check-In® each year.
- Earn 1 point for every $1 spent on all other purchases.
- Member FDIC
- Regular Purchase APR: 20.99% to 27.99% Variable
- Balance Transfer APR: 20.99% to 27.99% Variable
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74% Variable
- Cash Advance Transaction Fee: Either $10 of 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% Variable
- Annual Fee: $69
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- You fly often and prefer to fly with Southwest
- You plan to use your card in conjunction with other Southwest programs to earn maximum points
- You have a large purchase planned that will allow you to reach the spending requirement on the card within the first 90 days to qualify for a signup bonus
- You plan to use the card primarily for purchases within the United States
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What Are Foreign Transaction Fees?
When planning an international trip, it’s crucial to consider how you’ll handle expenses and currency exchange. One aspect that travelers need to be aware of is the concept of foreign transaction fees. Foreign transaction fees are charges imposed by credit card issuers for purchases made in a foreign currency or with a foreign merchant.
Impact of Foreign Transaction Fees on International Spending
Foreign transaction fees are charges that credit card companies add to purchases made in a foreign currency. These fees are usually a percentage of the total transaction amount, typically around 3%. While this may not seem like much, it can quickly add up, especially if you use your card frequently during international travel.
For example, let’s say you’re on a two-week trip to Europe and use your credit card for most of your purchases. If you spend $2,000 during your trip, you could pay an additional $60 in foreign transaction fees. That money could be better spent exploring new sights or trying delicious local cuisine. By using a credit card with no foreign transaction fee, you can avoid these unnecessary charges and keep more money in your pocket.
Benefits of No Foreign Transaction Fee Cards
Using a credit card with no foreign transaction fee offers numerous benefits for international travelers:
Save Money Abroad
One of the biggest advantages of using no foreign transaction fee credit cards is the potential to save money on purchases made overseas. With these card types, you can avoid the additional fee that is typically charged – up to 3% of each transaction – whether you’re traveling abroad or making an online purchase from a merchant outside of the U.S. This, in turn, can add up to significant savings, especially for frequent travelers or individuals who frequently make international purchases.
Convenience
In addition to the cost savings, no foreign transaction fee credit cards also provide a great deal of convenience. Instead of carrying large amounts of cash or going through the hassle of exchanging currency, you can rely on your credit card for all your purchases. This not only streamlines your travel experience but also offers added security. Credit cards come with built-in protection against theft or loss, and if your card is stolen or misplaced, you can easily report it and have it replaced, ensuring peace of mind throughout your journey.
Earn Rewards Overseas
Another benefit of these cards is the opportunity to earn cash back or other rewards. By selecting a card that charges no foreign transaction fee and offers rewards, such as points, miles, or cash back, you can maximize the value of your spending. It is important, however, to choose a credit card that aligns with your spending habits to ensure that you can make the most of the rewards and make your money go further.
Tips for Maximizing Savings with a No Foreign Transaction Fee Credit Card
Using a credit card with no foreign transaction fee is an excellent way to save money on international travel. However, there are additional steps you can take to maximize your savings further and avoid unnecessary fees. Here are some tips to help you make the most of your new card:
- Avoid using ATMs: Withdrawing cash from ATMs abroad can come with fees, including foreign ATM fees and currency conversion fees. Instead, try to use your credit card for most of your purchases or consider bringing a small amount of local currency with you.
- Use contactless payments: Many credit cards now offer contactless payment options, such as Apple Pay or Google Pay. These payment methods are not only convenient but also secure, as they use tokenization to protect your card information.
- Take advantage of travel insurance: Some credit cards with no foreign transaction fee also offer additional travel insurance as a perk. Before purchasing additional travel insurance, check if your credit card provides coverage for trip cancellation, lost baggage, or medical emergencies.
Alternatives to No Foreign Transaction Fees
Dynamic Currency Conversion
Dynamic currency conversion is a newer process that effectively replaces foreign transaction fees. It allows travelers to be charged in dollars while traveling abroad. When purchasing abroad, a foreign merchant may offer to charge you in dollars instead of the local currency. This provides the customer with a better understanding of the cost.
Dynamic currency conversions (DCC) seem beneficial, but the process comes with plenty of potential headaches:
- Additional fees: Dynamic currency conversion comes with additional fees. The fee for this type of transaction may rise as high as 7% of the total in dollars, making it potentially significantly more expensive than foreign transaction fees.
- Poor exchange rate: DCC often offers less favorable exchange rates than those provided by your home bank or credit card company, which can result in higher costs for the consumer.
- You might pay twice: Dynamic currency conversion transactions can sometimes involve double currency conversion, where the foreign currency is first converted to the local currency and then back to the consumer’s home currency.
Prepaid or Debit Cards
If you’re not comfortable using credit cards or prefer to avoid accruing debt, consider getting a debit card with no foreign transaction fees. These cards function similarly to credit cards but draw funds directly from your bank account. Additionally, prepaid cards can be a good option if you want to lock in a favorable exchange rate or have a strict budget.
Conclusion
No foreign transaction fee credit cards are a valuable tool for international travelers looking to save money and simplify their payment methods. By choosing a card with no foreign transaction fees, you can avoid unnecessary charges and keep more money in your pocket. Remember to consider factors such as annual fees, rewards programs, and acceptance abroad when selecting a card. With the right no foreign transaction fee credit card in hand, you can have a worry-free travel experience and focus on creating unforgettable memories.
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Travel Rewards Credit Cards
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