I finally decided on a new credit card last night. I was going back and forth on whether I wanted a cash rewards card or miles. Then I finally realized that what I need is a card with no foreign transaction fees. This limited my search quite a bit. I finally decided on 3 criteria, which I posted on facebook:
- 0% foreign transaction fee
- No annual fees (ever)
- And a Visa or MasterCard
I got some suggestions but no one seemed to be able to find me a card that satisfied all the requirements. I'm beginning to think that most people don't read the fine line very well. I remembered when I applied for my very first credit card, I actually did quite a bit of comparisons to find the best rates. I managed to find a card that had really low APR rates but I guess those don't really matter if you plan on paying off your balance every month. And that first credit card only had a limit of $250. I cancelled this after a few months.
The card I ended up getting this time is the Capital One Venture card. This is a card that gets me miles that I can redeem with different airlines. I think this is probably smarter than getting a card with a particular airline. Anyway, we'll see how well it works in terms of getting me rewards. I also spent some time putting a picture of Snowball on my credit card. I hope that will turn out well and that I won't be embarrassed every time I have to use it...
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