《Charles Schwab Debit Card: 全球无手续费取现银行卡【2016.7 更新:$100 开户奖励】》的评论

Schwab platinum debit card

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有DP了吗, 需要deposit 25,000?

Not the same but pretty much enough

是你的描述有问题 fidelity取现 本来就不是局限于visa 的network star和plus都可以 只有transaction只能用visa 我以为你知道所以默认你讨论的是transaction

既然你讨论的transation用visa 卡有问题 所以建议你使用JCB 网络

打电话验证完身份以后多久, Brokerage Accounts显示available啊

The Best Credit and Debit Cards for American Expats

Hey there gringos. I’m going to be away at a meditation retreat until April 21st but I can’t leave you guys out to dry. I’m going to be sharing some guest posts here on the site until I get back two weeks from now. Today’s post is from Kevin, an English teacher in São Paulo who recently moved to Brazil to teach English. He’s going to tell us about the best debit card for Americans to have when they live abroad.

Banks love to hit you with as many charges as they can, especially if you are traveling abroad. If you aren’t careful, you could find yourself paying a 3% foreign transaction fee every time you use your credit card. Even worse are debit cards, where you could be charged a 3% fee plus charges from both your bank and the foreign bank.

Luckily there are easy ways to avoid both fees, but it requires advance planning before you come to Brazil (or any other place you may be considering).

Capital One has a bad reputation for customer service, high interest fees, and for targeting the sub-prime market, but their credit cards have no international transaction fees, which is quite rare in the credit card world. Usually you would need a high annual fee card like a Chase Sapphire or American Express Platinum Card to make purchases without this standard percentage fee, but Capital One eats the 1% Visa or Mastercard fee instead of passing it on to you or leveling their own fee on top. You can see a list of Capital One cards here.

I have a VentureOne card, which requires a higher credit score. People with lower might want to take a look at the MTV Card or the Student Rewards card. Those with no credit can sign up for a secured card which would still let them make credit card purchases abroad. Just make sure you pay your bill in full each month, to avoid a 20% + APR interest charge.

Unfortunately there is one major drawback to the Capital One – their credit cards do not as yet offer EMV chips. If you’ve never been out of the country, you won’t be aware of this, but in most other countries debit and credit cards have smart chips that you insert into payment terminals instead of just swiping the card. I’ve never

been able to use my Capital One in Brazil, but every time I want to buy something, the cashier has to manually swipe the card, enter the last four digits of the credit card number, then enter the CVV code from the back. Annoying.

This year I’ve been looking into getting an EMV credit card, and decided on one from Chase; that earns air miles with British Airways (and through the oneworld airline alliance) can also be used on American Airlines and LAN, and after mergers are completed US Airways and TAM). Unfortunately if you keep this card more than a year, you will have to pay a $95 annual fee. This is a current list of all of the EMV cards available in the US. Some feature both no foreign transaction fees and no annual fees – just beware that the ones offered by credit unions can be incredibly complicated to apply for.

The investment broker Charles Schwab offers ATM cards with no domestic or international transaction fees. Schwab Bank High Yield Investor Checking requires you to set up a brokerage account, but doesn’t require you to invest anything or even deposit a specific amount into their checking account. Not only do they charge you no fees, but they rebate fees from other ATMs (for example, you could even use one at an ATM in a bar or club for free!). They also have strong customer service, and notarized the bank balance statement required for my Brazil visa after Bank of America’s refusal to do it almost prevented me from returning to Brazil.

(I also have a Capital One Interest Online debit card as a backup. Unfortunately these are no longer available because Capital One bought out ING Direct to create Capital One 360. I’m not sure if people can currently get the no foreign transaction fees at the ATM deal from them.)

I’ve been able to use these debit cards at Banco do Brasil, Bradesco, and HSBC all with no fees. Unfortunately the cards do not work at Itau, Santander, or Caixa Econômica Federal. The cards do work at Banco 24 Horas ATMs, but instead of processing the transaction in Brazilian reis, they convert the charge to US dollars with a stiff $6 fee, bypassing the good deal Charles Schwab offers.

What credit and debit cards do you use when you go abroad?

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Originally from California, Josh spent most of his early 20’s in Brazil, teaching English and working on online projects instead of going to college. He's a presenter on the popular online Portuguese video series Semantica-Portuguese. When not in Brazil you can find him learning new languages and starting new online businesses. You can follow him on Youtube and Twitter.

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The 12 Best Cards and Documents for Luxury Travel, on a Budget

Schwab platinum debit card

These are some of the best credit, ATM, and perk cards for traveling.

There are others—which I also own for their frequent flyer mile benefits—, but generally I travel with only four sources of money: a main credit card, a main ATM card, a backup credit card, and a backup ATM card.

This article discusses how to create your own card set-up to:

  • Avoid international ATM fees
  • Avoid credit card foreign transaction fees
  • Bypass US customs and TSA security lines
  • Access airport lounges
  • Obtain a personal concierge
  • Get student discounts


This is my main ATM card. With no account minimums, no monthly service fees, no ATM withdrawal fees, and free online transfers, it’s the perfect international bank account (except for its low interest rate). I’ve lost my ATM card three times, in three different countries, and Schwab shipped a new one every time. For free.

This is my backup ATM card that also has no ATM withdrawal fees. I keep it separate from my Schwab card in my hidden pocket. Before international trips I load it with US$500 in case my main ATM card is lost or stolen.


This is my main credit card. It earns two highly valuable Ultimate Rewards points per dollar on travel and dining purchases, which are the majority of my transactions on the road. With no foreign transaction fees, I use it exactly as I would within the United States. The sign-up bonus is also enough for a free international round-trip ticket—but that’s a rabbit hole we’ll go down at a later date.

This is my backup credit card. It offers so many benefits that I need to use bullet points:

  • No foreign transaction fees
  • Chip-and-Pin Enabled — required for many European transactions
  • US$200 in airline credits per calendar year — I received US$200 in 12/2012, then US$200 in 1/2013
  • Free international round-trip ticket with the Membership Rewards sign-up bonus
  • Free Global Entry and TSA-Pre Program — the US$100 fee is reimbursed
  • Free access to 600 airport lounges with Priority Pass
  • Free Platinum Concierge Service
  • Full list of benefits: here


Priority Pass – FREE with American Express Platinum cards; plans from US$99 to US$399 without

Gain access to 600 airport lounges around the world. This card makes you feel First Class…even when flying economy. Free food, free drinks, fancy lounges, and leather couches are my new norm during long layovers. During short layovers I always enter to grab juice and a snack too.

Get student discounts around the world. While working at a Costa Rican university I was issued the teacher version, which conveniently leaves off the expiration date. For the past seven years I’ve saved hundreds and hundreds of dollars on discounted museum, movie, sporting, transportation, and accommodation fees. The card is not pictured above.

Passport, Printed Photocopy, and Digital Backup — FREE

My passport has been stolen twice. Luckily, I had both physical photocopies and scanned copies in my inbox. You cannot fly or cross borders with a copy, but it will expedite the reissuing process at your local consulate. When going out at night I carry only a photocopy, unless in country like Japan where by law you must have a passport with you at all times.

Driver’s License — Prices vary, usually less than US$30

To rent cars is the obvious reason to travel with a driver’s license. The not-so-obvious reason is to have a second official ID should your passport disappear. Imagine being unable to return home or missing a flight because you can’t prove you are the name on your ticket. International Driver Licenses are a scam. If renting a car abroad, contact AAA to learn about International Driver Permit requirements.

Global Entry Identity Card — FREE with American Express Platinum cards; US$100 without

This is a government ID, though I doubt bartenders and doormen would recognize it officially. Homeland Security personnel, on the other hand, will allow you to bypass their security lines when you flash it — as long as you entered your Trusted Traveler membership number into your flight’s booking reservation or airline’s frequent flyer profile.

Visa Photos — FREE if printed at home

Many countries process “visas on arrival,” which means you pay fees and fill out forms at the airport/border crossing. These forms almost always require photos. You don’t have two passport-sized head shots? No problem, they’ll happily charge you exorbitant prices for their photography skills. Since entry requirements are ever-changing I always carry two photos with me.

Best Debit Cards For International ATM Cash Withdrawals

American Express announced with no notice that Serve & Bluebird cards would no longer be able to be used for ATM withdrawals internationally, I can only assume that there was regulatory/legal pressure to do so as leaving some of your cardholders stranded overseas when you’ve given them no warning isn’t a great way to build goodwill. I thought I’d look at some of the best options for withdrawing cash overseas from an ATM, since apparently some people were using these cards for that purpose even though they charged a $2.50 fee.

Schwab Bank High Yield Investor Checking Account

This account has the following features:

  • No monthly fees
  • No international or domestic ATM fees
  • No foreign transaction fees
  • 0.06% APY
  • Card runs on the Visa network

This looks perfect and there is also a $100 bonus attached to this account! There is a downside though, a hard pull is done on your Equifax credit report when you open this card.

This account has the following features:

  • No monthly fees
  • No ATM fees (ATMs with NYSE logo will have no fees and all other fees will be refunded at end of billing cycle)
  • Foreign transaction fee of up to 1.1%
  • 0.25% APY if your balance is below $2,500 or 1% APY if it’s above $2,500

This account has the following features:

  • No monthly fees
  • All ATM fees are refunded to your cash management account
  • Foreign transaction fee of 1%
  • Card runs on the Visa network
  • Can be used on any ATM that has the following logos: Visa ® , Plus ® , or Star ®
  • 0.07% APY

Bank of America Global ATM Alliance

Bank of America is part of something known as the Global ATM Alliance, basically the idea is that if you use a card from Bank of America to withdraw money from any of the other financial institutions in the alliance you won’t be charged a fee. This sounds great right? Wrong. They still charge you a 3% foreign transaction fee, so if you’re withdrawing any decent amount of money this will likely be much higher than the typical ATM fee.

Hopefully I’m missing an account that has no ATM or foreign transaction fees (FTF) and doesn’t require a hard pull (let me know in the comments if something should be added). If not it’ll really depend on your own circumstances if the hard pull is worth it to avoid 1% in FTF’s or not.