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by Gabrys1
1021 days ago
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If there's someone taking recommendations, I'm gonna recommend Capital One. When I was new to the US it was the only bank that wanted to give me a credit card (even Citi didn't even though I had an established credit history from Citibank in Poland). As I built my credit score, I got the credit limit increased, the WebApp is very reasonable, I used fraud protection a few times which worked (got my money back and credit card replaced after the CC was used to buy some things I didn't authorize). And they have a zero-fee foreign currency transactions that still give you cashback. It's really good (from my perspective). The only downside is they require an US phone number to use the products (on top of SSN) |
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It is the other travel protection benefits where Chase has an edge with better insurance. Additionally Chase has a lineup of travel reward transfer partners that are more compelling for USians. The redemption rate can be up to 50% higher. It also rewards better for heavy restaurant goers. The Venture X has cell phone insurance, but I've not found it worth it these days given the large differential in Bank account Auto Pay incentives with all the major carriers, and it does not cover prepay.
The Capital One Venture offerings are not terrible, it is a cheaper card.
There's also no reason why you need or should do deposit banking at the same place you use for credit cards. The incentives for doing so have never been compelling.