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Old 07.11.2019, 20:42
Miu Miu is offline
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credit cards

Dear all,

I am looking for good credit card options. By good I mean:

- Ideally no foreign transaction fees (for Europe at the very least)
- Little or no annual fees
- It would be nice if it allow one to earn airline milage

Also could you please let me know how good is post finance credit card? I know it is valid for paying for things at the post office but what else?

thanks,
M.
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Old 07.11.2019, 20:46
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Re: credit cards

Do you need an actual credit line on your credit card or will you pay the full balance due at every month?
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Old 07.11.2019, 20:49
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Re: credit cards

Your profile says you're in the U.S. Try nerdwallet.com and creditcards.com
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Old 07.11.2019, 20:54
Miu Miu is offline
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Re: credit cards

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Do you need an actual credit line on your credit card or will you pay the full balance due at every month?
Will pay the full balance every month. So a debit card would do too.
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Old 07.11.2019, 20:56
Miu Miu is offline
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Re: credit cards

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Your profile says you're in the U.S. Try nerdwallet.com and creditcards.com
Sorry it was not updated (fixed). I am in CH.
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Old 07.11.2019, 21:02
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Re: credit cards

Revolut, but it is not a credit card, it's a debit card, as you pay full balance this makes no difference to you.


What you are looking for in a credit card doesn't exist by the way
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Old 07.11.2019, 21:23
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Re: credit cards

Isn't there a Miles n More credit card? No idea if it's free or what kind of foreign transaction fees there are.

Migros and Coop both have free credit cards, but again I don't know about transaction fees and I don't know if they tie in with any miles programs
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Old 07.11.2019, 21:38
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Re: credit cards

Have you ever tried this online tool frequently used by expats in Switzerland?

https://en.comparis.ch/kreditkarten/default
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Old 08.11.2019, 10:02
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Re: credit cards

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Isn't there a Miles n More credit card? No idea if it's free or what kind of foreign transaction fees there are.

Migros and Coop both have free credit cards, but again I don't know about transaction fees and I don't know if they tie in with any miles programs
There are two Miles and More cards. One run by Swisscard (Credit Suisse/Amex) and one run by Cornerbank. The Cornerbank one has ‘lower’ FX and annual fees at 1.9% and CHF 150. I think Swisscard is 2.4% and more than CHF 150.

As TodayOnly says, what the OP is looking for may be common in the US, where they can make their money with interest rates on unpaid balances as high as the market will bear, but due to the legal cap on interest rates here, the card issuers make their money through fees, so don’t have a similar product.
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