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Micky9776

Best credit card to travel to the US with?

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Hi all!

Just Looking for some advice, I am traveling to New York soon and I want to take a good credit card with minimal fees etc, I am already taking quite a lot of US Dollars for food and excursions etc but want to take a credit card for impulse buys as we want a new iPad and there is a lot of designer shops out there so it might get expensive and don't want to take the extra dollars as we don't know how much extra we will need.

Does anyone have any recommendations for a good low fee card? Or if anyone has any experience of doing the trip before?

Thanks in advance

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29 minutes ago, Micky9776 said:

Hi all!

Just Looking for some advice, I am traveling to New York soon and I want to take a good credit card with minimal fees etc, I am already taking quite a lot of US Dollars for food and excursions etc but want to take a credit card for impulse buys as we want a new iPad and there is a lot of designer shops out there so it might get expensive and don't want to take the extra dollars as we don't know how much extra we will need.

Does anyone have any recommendations for a good low fee card? Or if anyone has any experience of doing the trip before?

Thanks in advance

I have used the Halifax Clarity for quite a while now, it's a Mastercard. There are no fees for foreign currency withdrawals from cashpoints or purchases in stores. They do charge interest for cash withdrawals, but it can be reduced if you pay the card off asap, or even presumably if you load it up before you travel.

I'm not sure if it still is, but was one of Martin Lewis's recommendations.

Edited by Sovsaver
added info

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You need to check the terms ( small print ) of your card very carefully and don't get confused between credit and debit cards.

You will use a card to pay for goods in a shop or restaurant or maybe withdraw cash from an ATM.

Whatever card you use to obtain cash will cost you fees - a transaction charge plus a foreign exchange fee.
Some debit cards used in ATMs across the EU will not cost you anything ( e.g. Nationwide Flex and Metro, plus some others )
You also want to select the option enabling your bank to work out the exchange rate and not the bank overseas providing the service as they will take some of your money by providing a poorer exchange rate.

I am not aware of ANY debit card that will give you cash in the USA without some charge or other.

As for credit cards - ALL credit cards used in obtaining cash will charge you and these can be relatively costly.

Paying for goods and food - use a credit card that is either VISA or MasterCard and ensure you pay in USD and not GBP.
VISA and Mastercard use better exchange rates than you will get locally and most ( check ) will NOT charge foreign use fees.

It has been a while since I was last in the USA so I may not be quite up to date.

Another tip is to carry your driving licence or something that has your photo ID as many USA retailers like proof that you are the card owner.
Take 2 cards if you can just in case a card is blocked for any reason and tell your card provider that you will be travelling in the USA before you depart.

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21 minutes ago, Pete said:

You need to check the terms ( small print ) of your card very carefully and don't get confused between credit and debit cards.

You will use a card to pay for goods in a shop or restaurant or maybe withdraw cash from an ATM.

Whatever card you use to obtain cash will cost you fees - a transaction charge plus a foreign exchange fee.
Some debit cards used in ATMs across the EU will not cost you anything ( e.g. Nationwide Flex and Metro, plus some others )
You also want to select the option enabling your bank to work out the exchange rate and not the bank overseas providing the service as they will take some of your money by providing a poorer exchange rate.

I am not aware of ANY debit card that will give you cash in the USA without some charge or other.

As for credit cards - ALL credit cards used in obtaining cash will charge you and these can be relatively costly.

Paying for goods and food - use a credit card that is either VISA or MasterCard and ensure you pay in USD and not GBP.
VISA and Mastercard use better exchange rates than you will get locally and most ( check ) will NOT charge foreign use fees.

It has been a while since I was last in the USA so I may not be quite up to date.

Another tip is to carry your driving licence or something that has your photo ID as many USA retailers like proof that you are the card owner.
Take 2 cards if you can just in case a card is blocked for any reason and tell your card provider that you will be travelling in the USA before you depart.

Clarity is a Credit Card, there are no fees to withdraw cash overseas. I’ve used it all over the world and never been charged.

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