Cards for travel (Credit or Debit)

[bm_999]

Morning all, just wondering what credit or debit cards does everyone have and if any specifically for travel (0 fx fees, free atm withdrawal etc....)

Currently my Amex would charge 2 or 3 % per transaction not in £.

Ive got a starling but would like some more protection (that credit cards offer) especially if we are taking it abroad

 

[bm_999]

Looks like barclays rewards for the win for the credit card section anyway

Ive also got a starling which i made just to use abroad before realising that a credit card would offer better protection - but can keep both i guess

With the barclays at leasy you get 0.25% back on purchases here aswell. Plus got my amex for the avios (day to day use)

1 thing i dont understand is this storing money in foriegn currency, ive heard it mentioned but how does it work and what cards can you use it on? Pretty sure i can do on my starling but is it worth it?

Actually to make matters more confusing the mrs also had a santander 0 credit card that she just remembered - this is not available anymore and is it worth keeping?

 

[bm_999]

With my Revolut card I add money in sterling. But then I can choose to move some or all of it to another currency. E.g dollars. So when I am in the US I pay with that card and there is no further conversation fee. It's like having a US debit card. I can choose when to move money at the best exchange rate. It also means if the card is lost, stolen or taken out of my sight, such as even paying a bill at a restaurant, the amount taken off the card can only be a maximum of what I have inverted, rather than emptying the account.

RIGHTTTTTTTT, so if euro or any other currency seems to be lower get it now and just basically store it?

But in your example if you give your card when paying how can you be sure they go to the section where you have the foriegn currency rather than all. Is it split or something on the card or account?

On my starling - is this possible? Or should i convert some money to the currency i might need now?

Think im also going to apply for the barclays rewards and use that abroad and in the UK (if a non amex is needed) and also stick with my Amex for normally purchases - possibly loll

What on earth did i get the starling for then

 

[bm_999]

Having Starling/Monzo was the cool thing to do for a little while

haha, guess so - oh well
Plus pretty sure there i didnt see that there was a limit on atm withdrawals - but now ive got my card its saying max £300 per day limit bit crap. Hence why i should push for the barclays

Thing is all these starling, monzo, revolut etc.. are showing other banks how easy it is and older banks are now trying to keep up with their apps and services which suppose is a good thing

 

[bm_999]

£300 a day cash withdrawal is plenty unless you are going to Michelin restaurants for every meal and have to pay cash?

It is, especially if abroad and the £ is good - just couldnt see it. Guess thats why they dont charge for withdrawals abroad either

 

[bm_999]

Yeah, I had started doing this combo too. Now switching a bit from AmEx to Virgin Atlantic card for those flight points. Though the app and customer service really don't seem up to par with AmEx.

Which AmEx card do people mostly use? I had just the cashback one before the switch to Virgin Atlantic.

just have the ba amex. But also am really thinking about switching to the platinum versions (whichever is still free) for the lounge access aswell