No fee-ATM/Credit Card for US pilgrams?

Roxane

New Member

Time of past OR future Camino

September 16, 2015

• Jul 9, 2015

• #1

Hello!
I have scoured this wonderful forum for an answer to this question. I found lots of suggestions from those living in EU, but not US.

Is there a credit card originating from the US that can also be used in an ATM that has no foreign transaction fees for the ATM? Visa charges 3% which I guess isn't huge but I'd like to find a lower one. Thanks so much for any suggestions you might have.

 

P

pudgypilgrim

Active Member

Time of past OR future Camino

voie de tours 2015

• Jul 9, 2015

• #2

I believe Charles Schwab refunds all ATM charges on their internet account card.

 

D

Deleted member 3000

Guest

• Jul 9, 2015

• #3

A checking account with Schwab probably has the lowest fees. They refund the host machine fee, usually around $4.

 

newfydog

Veteran Member

Time of past OR future Camino

Pamplona-Santiago, Le Puy- Santiago, Prague- LePuy, Menton- Toulouse, Menton- Rome, Canterbury- Lausanne, Chemin Stevenson, Voie de Vezelay

• Jul 9, 2015

• #4

My Schwab card worked in every machine I tried last month. No fees.

 

AdeA

New Member

Time of past OR future Camino

Frances 2000
Frances 2015
Português 2022

• Jul 9, 2015

• #5

Charles Schwab Bank (online bank) no atm fees anywhere. http://content.schwab.com/web/retail/public/get-started/checking/

 

Roxane

New Member

Time of past OR future Camino

September 16, 2015

• Jul 9, 2015

• #6

WOW- thanks. Chuck it is!

 

Mike Savage

So many friends to meet . . . so little time

Time of past OR future Camino

Camino Francés,Inglés
Muxia/Finisterre
Português Coastal
Português Central
Sanabrés

• Jul 10, 2015

• #7

Charles Schwab for me too.

 

Anniesantiago

Veteran Member

Donating Member

Time of past OR future Camino

2006 to date: Over 21 Caminos. See signature line

• Jul 10, 2015

• #8

Yup, me too.
I love my Schwab account!
No fees - everything is reimbursed at the end of the month.
Even exchange fees are reimbursed.
Plus it's good to have a travel account apart from your regular bank account (to me) and you can set it up so your husband or friend or relative can put money into it for you if you get short or stuck.

 

L

LauraK

Active Member

Time of past OR future Camino

Leon-Santiago (2004) Roncesvalles-Leon (2006) Camino Frances (2012) Kumano Kodo-Japan (2014) Camino Sanabres/Salamanca-Santiago (March 2015) Camino Del Salvador and Camino Primativo (Oct 2015)

• Jul 10, 2015

• #9

Schwab for me too! Worked in all ATMs on VdlP and no fees!

 

Mamasong

New Member

Time of past OR future Camino

September 2015

• Jul 10, 2015

• #10

FYI. Another U.S. option: Have just requested a Chase Sapphire card. No foreign transaction fees. Card is free the first year, then $95 renewal.

 

Kitsambler

Jakobsweg Junkie

Time of past OR future Camino

SJPP 2023

• Jul 10, 2015

• #11

It's useful to be careful of the distinction here. There are two separate fees: one for using ATMs (termed "foreign ATM fee") and a different one for making credit card purchases from merchants (termed "foreign transaction fee"). The ATM fee is applied to your bank or debit card. The foreign transaction fee is applied to your credit card. If you are using a debit card for both ATM and purchases, then you must deal with both types of fees on the one account/card.

 

Anniesantiago

Veteran Member

Donating Member

Time of past OR future Camino

2006 to date: Over 21 Caminos. See signature line

• Jul 10, 2015

• #12

Kitsambler said:

It's useful to be careful of the distinction here. There are two separate fees: one for using ATMs (termed "foreign ATM fee") and a different one for making credit card purchases from merchants (termed "foreign transaction fee"). The ATM fee is applied to your bank or debit card. The foreign transaction fee is applied to your credit card. If you are using a debit card for both ATM and purchases, then you must deal with both types of fees on the one account/card.

Click to expand...

Charles Schwab has reimbursed ALL fees at the end of the month, both ATM and foreign transaction fees.

 

Leah C. O'Leary

Leah

Time of past OR future Camino

September 29 - October 9, 2015

• Jul 10, 2015

• #13

Thanks for this discussion - I just opened a Charles Schwab account!