(Closed) Open a credit card for foreign travels?

posted 6 years ago in Money
Post # 3
Member
5296 posts
Bee Keeper
  • Wedding: January 1993

Darling Husband and I originally done that, and then it expired because he never used it. I do think it’s a great idea.

I think Capital One is one that offers that? That’s what Darling Husband had at least.

Post # 5
Member
307 posts
Helper bee
  • Wedding: April 2012

Yay for coming to Canada on your honeymoon! Depending on how much you plan on spending, a credit card would be a good idea for peace of mind. However most hotel rooms have a safe, so you could always store your extra cash in there and just go out with the amount you will need for the day. Also if you are looking for a credit card, I’d stick with Visa or Master Card. I’m not sure how many merchants accept Discover in Canada (no one I know has one..)

Post # 6
Member
699 posts
Busy bee
  • Wedding: September 2011

I’d add AMEX  to the list of cards which are harder to use outside of the US.  2 places I’ve worked accepted Discover and one was because it’s a duty free on the US border, but that is EXTREMELY rare.  Not everywhere takes AMEX either, though it’s a lot more common than Discover.  

[This is all in Canada]

Post # 7
Member
2233 posts
Buzzing bee
  • Wedding: September 2012

I would absolutely use a CC without fees. Neither of mine charges fees overseas (I thought that was standard) they just convert whatever I purchase to CAD at the rate when purchased. I thought fees were only charged on bank cards, my bank charges $5 for each foreign transaction!

Canadian merchants accept Visa and MasterCard, many also accept Amex but not all.

Post # 8
Member
2233 posts
Buzzing bee
  • Wedding: September 2012

@pigzfly:  Yeah the only place I can think of where you can regularly use Amex is Costco! They don’t accept other CCs.

Post # 9
Member
63 posts
Worker bee
  • Wedding: February 2013

@sienna76:  Capital One.  I have it and that’s the only one I use for foreign travel. No annual fee and no transaction fees.

Post # 10
Member
307 posts
Helper bee
  • Wedding: April 2012

Is Capital One is accepted in Canada? I’m pretty sure I only see the CO commercials during American programming.

@Ms. Martian:  same. I’ve never heard of a credit card charging fees for travel. These companies come up with new ways to make money!

Post # 11
Member
2233 posts
Buzzing bee
  • Wedding: September 2012

@RoundSolitaire:  Capital One is just a company/brand but they issue MasterCards, my Fiance has one 🙂 It’s like you can have Visa, but it can be from TD or RBC or whatever.

Haha I heard the other day that TD was strating to charge for deposits! Thankfully it’s not true!

 

Post # 13
Hostess
11167 posts
Sugar Beekeeper

I love Finland, went there in 2005. 🙂

I used a credit union credit card and didn’t have large fees, although there were some. My first time traveling I used a Washington Mutual card and I could not believe all the added charges.

Post # 14
Member
307 posts
Helper bee
  • Wedding: April 2012

@Ms. Martian:  ooh that’s so confusing! Why is it always referred to a capital one and not just master card? Like I never say “I’m going to put this on my Scotiabank Visa” It’s just a visa! oh well…Thanks for clarifying!

Sorry for the thread-jacking. Back on topic…Also keep in mind if you open up another credit card it will affect your credit rating. If it’s good though then I don’t think this should be an issue. Happy honeymooning!

 

Post # 15
Member
9056 posts
Buzzing Beekeeper
  • Wedding: June 2010

I think it’s a good idea. We live close enough to the US border that we go often and shop online a fair bit. I have a MasterCard that I’ve neveR noticed any fees being charged for foreign transactions in the states or any European country. 

Post # 16
Member
2233 posts
Buzzing bee
  • Wedding: September 2012

@sienna76:  Sorry, yeah that’s what I meant. I have never been charged for purchases made in another country! May have something to do with what our banks are allowed and not allowed to charge here. I will double check my last statement though since I was just in the US 🙂

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