Spending abroad

Discussion in 'Miles & points via credit cards' started by Aston100, Mar 17, 2019.

  1. Aston100

    Aston100 New Member

    Messages:
    16
    Likes Received:
    4
    Trophy Points:
    3
    Hi guys, just got accepted for the amex gold preferred rewards card and waiting for it to arrive.

    I'm in South East Asia at Easter with the family and will be spending at least a couple of thousand pounds over there.

    I note that this card charges a 3% foreign usage transaction fee, but also gives double points for that.
    Am I right in assuming that its not worth using this card abroad and instead I should forget about the points and just use my normal zero foreign usage fee credit card (Halifax Clarity) ?

    If so, that seems like a real shame and a wasted opportunity to hit the 20k rewards point trigger.

    Perhaps I should incur the foreign fee on the amex in order to quickly hit the threshold ?

    Appreciate any thoughts and suggestions please.

    Thanks
     
    JoeD likes this.
  2. Aston100

    Aston100 New Member

    Messages:
    16
    Likes Received:
    4
    Trophy Points:
    3
    Just to add that I'm aiming to earn as much avios as possible.
    Therefore if there is another card that doesn't charge foreign transaction fees, and which gives avios or points that can be turned into avios, I would be happy to hear about it.

    By the way, if I buy something online from a foreign company, is that treated as a foreign transaction? For example, if I pay for a Qatar flight between Amsterdam and Bangkok from their website.The price is probably going to be in Euros or the Qatari currency right?

    Thanks
     
  3. Michsel

    Michsel New Member

    Messages:
    19
    Likes Received:
    0
    Trophy Points:
    1
    Find this fair ridiculous aswell but sometimes worth it for the added purchase protection/insurance
     
  4. JoeD

    JoeD Well-Known Member

    Messages:
    857
    Likes Received:
    312
    Trophy Points:
    63
    Really depends on your circumstances - how soon you want/need the points and how easily you'd hit the min spend without putting the holiday spend on the card.

    Personally, I can be a bit lazy when it comes to really maximising credit card spend/minimising fees and,for the sake of simplicity, just focus on whichever card I'm trying to hit the min spend on at that particular time. Obviously that means I sometimes pay 1-2% net (once you factor points earned from the spnd) more than I really have to, but I can live with that.
     
  5. JoeD

    JoeD Well-Known Member

    Messages:
    857
    Likes Received:
    312
    Trophy Points:
    63
    Yep - it's just the currency you're charged in that matters re whether transaction is considered foreign or not , not actually where the company is located. Airlines sometimes offer multiple currencies you can pay in, but I would always expect Euros or Qatari Riyals to be the default option in that example.
     
  6. Scaramanga

    Scaramanga New Member

    Messages:
    11
    Likes Received:
    2
    Trophy Points:
    3
    If you are interested in Virgin miles you can get the Curve card and link it to a Virgin reward card. This way you will collect miles without foreign transaction fees
     
    JoeD likes this.
  7. JoeD

    JoeD Well-Known Member

    Messages:
    857
    Likes Received:
    312
    Trophy Points:
    63
    Great point re Curve.
     
  8. KB1

    KB1 New Member

    Messages:
    9
    Likes Received:
    1
    Trophy Points:
    3
    never worth paying any extra fees on your credit card. The points arent worth it
     
  9. Aston100

    Aston100 New Member

    Messages:
    16
    Likes Received:
    4
    Trophy Points:
    3
    Sounds like I'll use the Halifax Clarity when I go abroad soon.

    Thanks
     
  10. JoeD

    JoeD Well-Known Member

    Messages:
    857
    Likes Received:
    312
    Trophy Points:
    63
    Depends if you've got sign up bonus minimums you need to hit, unless you otherwise spend a fair bit at home normally or have an easy manufactured spend option.

    Although, min spends will now be less of an issue given the amex sign up changes I suppose...
     
  11. Oarar80

    Oarar80 New Member

    Messages:
    11
    Likes Received:
    0
    Trophy Points:
    1
    Curve card avoids FX fees... and can use with Virgin or IHG mastercards
     

Share This Page