Credit or Debit Card for Hotel Booking That Has Foreign Transaction Fees

sclass on 29/05/2023 - 11:30
Last edited 29/05/2023 - 14:18 by 1 other user

Should I use a debit card without foreign transaction fees to pay for a hotel booking or cop the 3% fee with my credit card?

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  djones145 on 29/05/2023 - 11:35

  Things to consider
  whats the exchange rates they use?
  does the credit card give free travel insurance in case of cancellation?
  do u have the money now or do u want to pay in 55 days later (credit card)?
  points?

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    Settero on 29/05/2023 - 11:40

    +1

    Another thing to consider, if they place any hold on funds , more annoying with a debit card as you lose access to your own funds.

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    sclass on 29/05/2023 - 14:22

    I would be using the ING Orange Everyday and I have travel insurance already.

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  SpaceJudge on 29/05/2023 - 11:57

  +1

  I prefer to use Expedia and pay now with my credit card… they dont charge any additional fees for my Amex.

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  trapper on 29/05/2023 - 12:44

  Almost always credit card is better due to the protections you get. How much is the 3% extra in dollars?

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    sclass on 29/05/2023 - 14:22

    $120 for the booking I'm looking at now.

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    capslock on 29/05/2023 - 16:02

    I think a debit card using Visa/MC has the same protections as a credit card.