Credit Card Recommendation RE: No foreign transaction fee (not HomeTrust Visa = no more cashback!!!)

choclover wrote: ↑ Did you consider the Rogers World Elite Mastercard? There is a f/x transaction fee BUT you get 4% cashback on your foreign transactions which kind of makes up for it.

choclover wrote: ↑ Did you consider the Rogers World Elite Mastercard? There is a f/x transaction fee BUT you get 4% cashback on your foreign transactions which kind of makes up for it.

gei wrote: ↑[snip]

The Rogers card is effectively ~1.5% cash back on all forex transactions, which is generally accepted here to be the best card for using abroad.

efrant wrote: ↑ I wouldn't go as far as saying that. For my purposes, the Rogers card is a terrible card for using abroad. The vast majority of my non-CAD purchases are travel expenses (airline tickets, hotels, resorts, etc.) -- if I need to cancel and re-book anything, I will lose the 2.5% I paid initially with the Rogers card, because the card still charges you the f/x fee. Additionally, I personally wouldn't consider the insurance offering on the Rogers card good compared to say the Scotia Passport Infinite, which is for me is a better option for a travel card, despite the potentially lower average earn rate.

gei wrote: ↑ Things like airline tickets and hotels can usually be purchased in your local currency using anyway using flight/hotel aggregators like expedia, etc - in which case I just use my amex platinum for their superior insurance. It's incredibly rare you would ever cancel a plane ticket anyway. I'm talking about expenses incurred when you are already abroad - ie food, entertainment, etc.

titaniumtux wrote: ↑OP, you really should get into US issued CC's.

F3el96 wrote: ↑ I wish I knew the process (hassle free) to get the Amex Hilton card. I’d have gotten so many Hilton Honors bonus points by now.

efrant wrote: ↑ You can choose from the list of cards here, depending on the features you want: https://forums.redflagdeals.com/list-cr ... s-2122295/

ovoovo wrote: ↑Or go next level and get over the rogers hate so you can help yourself. It's okay to make money you can redeem anytime on their tab, just dont accrue interest :P

EdisonL299 wrote: ↑Rogers WE gives you 1.5% on foreign transactions, and it beats most other cards. Because you hate it, you should get this card to earn cash back from Rogers.

angelove wrote: ↑ Can anyone recommend me of a credit card without any foreign transaction fees with some kind of cashback (cb) incentive?

FYI: Just got by mail that the HomeTrust Visa credit card will no longer be offering cashback on the "foreign transaction fees" effective Jan 1, 2020! v_v

There's no longer any incentive to use this credit card. It was a pain to get it so brings back bad memories... I've currently switched most of my charges to my Amex Preferred ($100 annual fee - $50 credit) for the 5% [=5.0 - 2.5 (amex fee) = 2.5%] cb for foreign purchases bc of their transaction fees). It's just that not a lot of places (esp Chinese restaurants) accept Amex and will need a backup.

My current backup is Walmart's Mastercard for the 1% which is useful for everything else but would love your opinions / expertise. I already own Tangerine's Mastercard (categories: grocery, gas, transit / re-occurring bills --> switched to Amex Preferred for 6-m; idk what the my 3rd category should be now).

Preference:
- no annual fee or less than $100 / first year waived;
- cashback - onto statement; (please, don't recommend Rogers Mastercard... I'm anti-Rogers so don't use any of their products. Redeeming those points was a terrible experience almost as bad as their customer service reps.)
- bonus / incentives (not really into collecting aeroplan points, I know Visa Infinite has a bonus thing going on but bleh... ^^; too many restrictions on those points... Lost 6,000 points bc it was inactive ;_; )

Thanks for your input!

angelove wrote: ↑ Can anyone recommend me of a credit card without any foreign transaction fees with some kind of cashback (cb) incentive?
...
Thanks for your input!