Investors have long been interested in adaptive reuse â the process of repurposing a vacant or underutilized building and converting it into another use. Vacantâ¦
The post Repurposing Properties: Creating New Uses from Old Buildings first appeared on Century 21Â®.
When you have an international credit card, you can use it both in your home country and abroad. Itâs not uncommon to come across businesses abroad that only accept native currency. Thatâs when an international credit card comes in handy. If you want to avoid the hassles of carrying cash or travelerâs checks everywhere you go, these types of credit cards are the perfect solution.
Several established hotels, restaurants and retail outlets you encounter during your travels will accept your international credit card. That card offers many of the same features as a standard version and can also be used at ATM machines. Thus, no matter where you are, you can get cash from your bank account. You can also check your account balance from an ATM, so you can keep track of your spending and make sure youâre sticking to your budget.
Credit Card Foreign Transaction Fees
A foreign credit card transaction fee is charged when you make a payment in a different country with your card. The sale also includes a fee because youâre paying in a foreign currency. Typically, foreign transaction fees are equal to 3% of the total cost of the transaction. They are also set in U.S. currency. If you purchase an item or souvenir in another nationâs currency and the total bill comes to $100, with 3% in foreign transaction fees tacked on, you pay a total of $103.
Foreign transaction fees can be charged on different types of transactions, including withdrawing money from ATM machines, reserving hotel rooms, or even booking your flights. The terms and conditions that apply to foreign transaction fees are usually included in the fine print of your international credit cardâs cardholder agreement. So, make sure you review this information and are fully aware of the terms before using your card for purchases.
The International Chip and PIN
The international chip and PIN are part of a system being integrated into a number of credit cards. Many foreign merchants no longer accept standard magnetic strip credit cards, claiming theyâre unsafe and outdated. The point of an international chip and pin is so that you wonât end up at an unattended kiosk unable to use the card because it requires a PIN to complete your transaction. This specifically applies to retailers in Europe.
Top 4 Brands of International Credit Cards
There are many different international credit cards, but four in particular offer better benefits and interest rates than others.
1. Capital One Venture Rewards Card
The Capital One Venture Rewards Card is another credit card you probably want to consider. The Capital One Rewards card also gives you a solid introductory rate and travel rewards points. It also provides you with a sign-on bonus of up to 50,000 miles or $500 in travel when you spend $3,000 in your first three months from account opening. The only downside is that this card comes with a Â an annual fee after the first year.
2. Capital One Venture One Rewards Credit Card
If you enjoy the Capital One brand but prefer to avoid the annual fee, consider the Capital One Venture One Rewards Credit Card. The card gives you all the advantages of Capital One without an annual fee. This card also gives you major perksâyouâll get 20,000 miles if you $1,000 in the first three months.
3. Chase Sapphire Preferred Credit Card
Chase Sapphire PreferredÂ® Card
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate RewardsÂ®. Plus earn up to $50 in statement credits towards grocery store purchases.
- 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for travel through Chase Ultimate RewardsÂ®. For example, 60,000 points are worth $750 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
- Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
Card Details +
Lastly, the Chase Sapphire Preferred Credit Card has low introductory rates for purchases and balance transfers, though its rewards offerings are somewhat weaker by comparison. This is another card that gives you a major bang for your buckâyou can earn 60,000 bonus points when you spend $4,000 in the first three months.
Do Your Due Diligence Before Traveling Abroad with Your New Cards
Even with an international means of payment, your credit card may not be accepted at all locations. Recently, a Credit.com staffer who traveled to Amsterdam tried to use his World Elite Mastercard at some locations and found that local merchants didnât always accept a Mastercard branded card.
Before going on your trip, check either with stores or the credit card network (Mastercard, Visa, Discover or American Express) Â to see if any conditions exist that might prevent your card from being accepted by foreign merchants. Alternatively, you can take a few different brands with your or have some cash or travelerâs checks on hand.
Check Your Credit
Before applying for an international credit card, itâs important to check your credit score to see what you qualify for. A low score or no score at all could get in the way of your goals of traveling with an international credit card in hand. Be sure to check your score before you apply. Most credit card companies that offer cash-back or miles require a good or even excellent score.
Checking your credit is easy and free depending on the site you use, and checking doesnât hurt your score. You can get your free Experian credit score by visiting Credit.com. Instead of a hard inquiry, Credit.com does a soft inquiry without harming your credit score.
Using Credit.com for Your Travels
Traveling overseas with a credit card is convenient, but it can also be tricky. If youâre planning a trip abroad, itâs important to research which international credit cards will serve you best. Having a credit card that can be used anywhere in the world is a great tool to have in your pocket. But the terms and conditions of each card vary depending on several factors including your credit history, your spending habits and the places you visit.
Credit.com offers travelers just like you the opportunity to check their credit scores and apply for cards that will benefit them on their international journeys. If youâre interested in learning more about credit cards, check Credit.com
Editorial disclosure: Reviews are as determined solely by Credit.com staff. Opinions expressed here are solely those of the reviewers and arenât reviewed or approved by any advertiser. Information presented is accurate as of the date of the review, including information on card rates, rewards and fees. Check the issuerâs website for the most current information on each card listed.
Some offers mentioned here may have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned here.
The post What is an International Credit Card? appeared first on Credit.com.
The office sector is experiencing unprecedented challenges due to COVID-19. As shelter-in-place orders rolled out earlier this year and companies allowed their employees to workâ¦
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Many of us are avoiding travel during the pandemic.
But if you have to shelter in place under quarantine once you get to your destination, wouldnât you rather do it in an environment that at least seems more within your control?
If the choice is between a hotel where you must trust your experience to a faceless corporation or a local host you can talk to through homestay sites like Airbnb and Vrbo, the latter may be the better option for these times (provided you donât violate their party guidelines).
Whatever option you choose, credit card issuers now reward homestays with points and cash back in the same way theyâve long doled out rewards for hotels and other travel expenses.
These are the best cards on the market for homestays like Airbnb.
See related: Strategies for planning 2021 travel
Wells Fargo Propel American ExpressÂ® card: Best no-annual-fee, high rewards option
Wells Fargo Propel American ExpressÂ® card: Best no-annual-fee, high rewards option
TheÂ Wells Fargo Propel American Express cardÂ includes arguably one of the highest rates of return on points for some of the most popular redemption categories out there, including homestays like Airbnb and Vrbo.
The greatest advantages of this card â besides earning 3 points per dollar spent on some popular spending categories â are that thereâs no point limit or expiration, no annual fee and no rotating categories that you constantly have to remind yourself to activate. You get three times the points in the relevant categories all the time without restriction, with travel â including all homestays â and transit being one of those prominent categories.
The card also charges no foreign currency conversion fee, so buying things abroad is less expensive. If that werenât enough, hereâs what you also get:
- 3 points per dollar spent on travel and transit purchases
- 3 points per dollar spentÂ on eating out and ordering in
- 3 points per dollar spent on gas and rideshares
- 3 points per dollar spentÂ on select streaming services such as Hulu, Netflix, Sirius XM and Spotify Premium
- 1 point per dollar spentÂ everywhere else
- No annual fee
- No points limitÂ or expiration
- Premium access to presale tickets, offers and protections from American Express
- 20,000 points when you spend $1,000 in the first three months