ForexPlus Card - Multi Currency Travel Card HDFC Bank

Credit card for use overseas

I've read other threads which discussed the Amazon Chase Visa card. To summarize, it doesn't have the 2.5% forex fee. So if paying with the card oversees, you're only charged the market rate. However, if you want to withdraw cash at an ATM overseas, there is a cash advance fee of $5 or 1%. So if you have a credit balance and took out the equivalent of $1000cad, you're charged $5 (or is it $10?). Plus whatever the ATM's fee is.
I noticed there's a prepaid Visa offered by mogo: Mogo Platinum Prepaid Visa Card. It also advertises as having no forex fees. Since it's a prepaid card, you basically need to load it with money first and so there's no cash advance fees. The card has an international ATM fee of $3. (And I guess plus whatever the fee of the ATM is.) I'm wondering if this will potentially work better than the Chase card.
submitted by ellipsesdotdotdot to churningcanada [link] [comments]

How does my churn plan sound?

Brand new to this but I don't forsee needing big credit (e.g., loan, mortgage) anytime soon so I figured this is the best time to churn if I'm going to do it.
My goal is to accumulate enough points to fund long-haul airfare and I guess hotels for the next two years or so. My family also does some US travel but I know Aeroplan is better for long haul. I have some Air Miles I can use for short haul for the time being.
I can also leverage my parents. They have really low value credit cards, other than a PC Mastercard which I should probably try to upgrade to a World Elite since we shop at a lot of Loblaws banners and gas up at Esso (3% return. vs 1% on non-World Elite). Is it better to refer them to cards or to get them supplementary cards to save on the annual fee?
How does this plan sound?
Currently own:
BMO SPC Air Miles Mastercard - My first credit card so I'll keep it open. Currently only using it at places that don't accept AMEX.
AMEX SimplyCash - Currently on the introductory offer (5% cash back on certain categories). I try to use this everywhere that accepts AMEX since the insurance, etc. is better than my other card.
Currently applying for:
Chase Mariott Visa - Already applied for this since I've read that it's best to go for this first. Will use as my main card for forex transactions. Not sure yet but I may cancel before the annual fee kicks in and get the Rogers Platinum Mastercard since I have Rogers services (waives the annual fee). If I don't get approved I'll get the Rogers MC. [30k Mariott -> 10k SPG]
AMEX Business Platinum - I'm doing some travel over the next couple of months so I could use the lounges. There's a chance I'll be doing significant travel throughout the next year or two - if I do I'll probably keep this card, if not I'll cancel before the annual fee kicks in. [75k AMEX -> Aeroplan]
Plan on getting:
AMEX Personal Gold - Self-refer (I can do this from Biz Plat, right?) and will use as my primary if I cancel the Business Platinum. [25k + 5k AMEX -> 30k Aeroplan]
AMEX Business Gold - Self-refer, churn, then cancel. [30k + 10k AMEX -> 40k Aeroplan)
AMEX Personal SPG - Churn then cancel. [20k + 10k SPG]
AMEX Business SPG - Self-refer, churn, then cancel. [20k + 10k SPG]

Total = 70k SPG + 145k Aeroplan (plus regular points from purchases)
Am I calculating referral bonuses correctly? And any other cards I should consider?
submitted by fazon to churningcanada [link] [comments]

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