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Which ATM card do you recommend? And why?


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Enuff

One benefit for me carrying the Charles Schwab card is I don't care which bank or ATM I use. I see 10 in line for BPI and a Security Bank ATM vacant. I can use any knowing I'm getting fee refunded.

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One benefit for me carrying the Charles Schwab card is I don't care which bank or ATM I use. I see 10 in line for BPI and a Security Bank ATM vacant. I can use any knowing I'm getting fee refunded. S

Best ATM for U.S. people - Schwab Best CC for travel - Chase Sapphire Preferred (or Reserve if lounge access is important to you).   Exchange rates better than available at the money changer

Yep - did mine last trip in person at local brokerage office- Fed Exe'd card in 2 business? days (Friday applied  Monday received)

Kabisay-an gid
1 hour ago, Enuff said:

One benefit for me carrying the Charles Schwab card is I don't care which bank or ATM I use. I see 10 in line for BPI and a Security Bank ATM vacant. I can use any knowing I'm getting fee refunded.

 

But you have to open both a checking account and brokerage account with Schwab, in order to get the card.

 

2 hours ago, Monsoon said:

You will find that most, if not all worthwhile travel oriented cards are going to have an annual fee. 

 

Sapphire Preferred is a fine choice. Different strokes for different folks.

Sapphire Preferred is an excellent card for people like myself, who pay off their entire balance every month and don't take cash advances.

But for people who consistently carry a revolving balance and take cash advances - there are some travel cards out there with lower APR's.

Also, you only get double points with Sapphire on travel and hotel purchases - whereas a few travel cards out there offer double points on all purchases.

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lamoe
4 minutes ago, Kabisay-an gid said:

 

But you have to open both a checking account and brokerage account with Schwab, in order to get the card.

Yep - did mine last trip in person at local brokerage office-

Fed Exe'd card in 2 business? days (Friday applied  Monday received)

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Monsoon
1 hour ago, Kabisay-an gid said:

Also, you only get double points with Sapphire on travel and hotel purchases - whereas a few travel cards out there offer double points on all purchases.

Sapphire gives you double on travel and dining. I have told my wife to use that card for all of her day to day stuff as well as when she's traveling. If she is in the Philippines she will use it whenever possible.  I have laughed to myself at some of the small charges I've seen on the statement that she has managed to make in the Philippines (I remember one was the equivalent of $1.50).   Every time I've compared the exchange rate given it has been basically market. In most cases when I'm in the PH it is same or better than available at the money changers. In some countries it represents a significant savings over what is readily available.  I use it primarily when I travel as well, except for most airfare I book with an Amex card that gives me 5x points on airfare. I book a lot of airfare for myself and some employees so it adds up quick and helps me justify the high annual fee from Amex. The Amex Centurion lounge is also the best lounge at my home airport so it is a nice bonus. 

 

 

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Kabisay-an gid
1 hour ago, lamoe said:

Yep - did mine last trip in person at local brokerage office-

Fed Exe'd card in 2 business? days (Friday applied  Monday received)

 

Schwab is a good choice for some, but I personally have no use for it.

With a BPI debit card, one can make withdrawals without any fees at over 2200 BPI ATM locations nationwide, with a generous daily limit of P20,000 for regular peso accounts or $500 for dollar accounts.

Since there are no fees charged at the time of withdrawal, there's no having to wait for fees to be reimbursed later.

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lamoe
1 hour ago, Kabisay-an gid said:

 

Schwab is a good choice for some, but I personally have no use for it.

With a BPI debit card, one can make withdrawals without any fees at over 2200 BPI ATM locations nationwide, with a generous daily limit of P20,000 for regular peso accounts or $500 for dollar accounts.

Since there are no fees charged at the time of withdrawal, there's no having to wait for fees to be reimbursed later.

I agree  - different strokes

1,000 USD per day is my limit.

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RedRanger
On ‎5‎/‎13‎/‎2018 at 2:20 PM, Kabisay-an gid said:

 

Chase Sapphire Preferred annual fee: $95

Chase Sapphire Reserve annual fee: $450

 

 

For those who live in the Philippines some, most or all of the year - it would be wise to open an account with BPI and get a BPI debit card for ATM withdrawals.

They could still use the foreign credit card of their choice for purchases.

All local transactions using the BPI debit cards at any BPI or BPI Family Savings Bank ATM are free of charge.

BPI has more ATM's nationwide than BDO and Metrobank combined.

BPI charges only P15 for withdrawals made at non-BPI ATM's.

I applied for the Sapphire Reserved online. Got approved in seconds with a 14k credit limit, they waive the $95 the first year.  They will give you 50,000 bonus points if you spend $4K in the first 3 months.  Added bonus I listed on authorized user and if they make just a single purchase I get another 5k bonus points.  Not a bad deal if I say so.  

 

 

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