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Thread: What is your favorite reward credit card?

  1. #2421
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    Quote Originally Posted by Strider View Post
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    Finally got my extra 200 WestJet dollars (took 2 days after my statement came). Booked direct flights to SNA for Disney this summer. Saved $160 with the companion pass, $450 with WestJet Dollars, and $140 on baggage fees for 2 bags there and back. Not bad for FYF churn. I'll probably just lock it down and won't keep it after a year though. Booking the companion pass just means that the 3 other tickets to fly with kids are overpriced (full fare) which negates any savings.
    This is exactly my plan almost to a tee haha. My daughter is 38.5” tall tho so I’m just waiting until she gets to 40” before I book. Might end up being September by the time she gets there.

  2. #2422
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    How do they charge the forex fee then?

    I use my twem in the states constantly and there's only a single charge for the transaction, nothing for foreign exchange...unless they just give a slightly lower exchange rate to cover it

    My VISA shows up as a separate charge for foreign exchange the same way my debit card does

    My TD Aeroplan Visa Infinite didn't show forex charges either, but i haven't had that card since 2016

  3. #2423
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    My TD Visa will show it's a foreign transaction with a little FX symbol beside the charge, and the fee is baked into the charge amount.

    My Scotia cards that have no FX fees will show a FX symbol with a line crossing it out to show no FX fee.

    If you google whatever cards you have + foreign transaction fee it should list the fee, which is usually 2.5%

  4. #2424
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    Quote Originally Posted by haggis88 View Post
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    How do they charge the forex fee then?

    I use my twem in the states constantly and there's only a single charge for the transaction, nothing for foreign exchange...unless they just give a slightly lower exchange rate to cover it

    My VISA shows up as a separate charge for foreign exchange the same way my debit card does

    My TD Aeroplan Visa Infinite didn't show forex charges either, but i haven't had that card since 2016
    Yeah it’s baked into the rate. Google the visa or Mastercard exchange rate for that day and you’ll see the rate you got was off by 2.5%

    https://www.visa.ca/en_CA/support/co...alculator.html

  5. #2425
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    Any no FX fee cards worth getting for vacations (non-US)?
    Ultracrepidarian

  6. #2426
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    There don't seem to be many to choose from.

    The one @flipstah posted from HSBC seems to be the best. My only concern would be what happens when RBC acquires HSBC
    The other options are:
    Scotiabank Passport Visa Infinite
    Scotiabank Gold Amex
    Brim World Elite Mastercard
    Brim Mastercard
    Home Trust Preferred Visa

    Anyone know anything about the Brim or Home Trust offerings?

  7. #2427
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    We use the Scotia Gold AMEX for no forex. Used it in Germany a few months ago no issues. We like the AMEX since 100 scene pts = $1, so it's essentially 5% back in points on dining out and 3% points on gas fill up. Those add up quickly. However the Scotia Passport Visa Infinite comes with 6 lounge passes and also no forex...

  8. #2428
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    Speaking specifically to Japan, I think we'll have to stick with MC/VISA
    Ultracrepidarian

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