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