On Episode 11 we discuss the Question of the Day: How do you find the best picture taking spots, an in-depth review of Chase Sapphire Reserve during our Cards and Points segment, took a trip to the beautiful location of Santiago, Chile and discuss our thoughts on No Fee ATM Access Checking Accounts.

How do you find the best picture taking spots?

• Google
• Use Instagram to find places
• Ask locals!

Chase Sapphire Reserve

• $300 Annual Travel Credit
• Earn 3X points on travel worldwide from airfare and hotels to taxis and trains*
• Earn 3X points on dining at restaurants worldwide from fast casual to fine dining*
• Earn 1 point per $1 spent on all other purchases*
• Get 50% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®.* For example, 50,000 points are worth $750 toward travel
• No blackout dates or travel restrictions — as long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards
• Receive up to $100 application fee credit for Global Entry or TSA Pre✓®*
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select.*
• Special car rental privileges from National Car Rental, Avis and Silvercar when you book with your card*
• Special benefits during your stay with The Luxury Hotel & Resort CollectionSM*
• Pay no foreign transaction fees†
• World-class suite of travel and purchase protections*
• 24/7 direct access to a Customer Service specialist
• Worldwide Travel Assistance from the Chase Travel Team
• Access to the Visa Infinite Concierge who can help you with requests like dinner reservations, or Broadway, music and sporting event tickets*
• And more! Learn here.

Santiago, Chile

No Fee ATM Checking Accounts

1. Ally
   • Ally does charge a 1% fee
   • Ally only reimburses ATM fees charged by other banks if the ATM is in the US.
2. Capital One
   • If you just bank through them online through Capital One 360, there are no fees on any withdrawal outside the Capital One network
   • if you bank through an actual Capital One physical location, you will be assessed fees as high as $2 per withdrawal and 3% of the transaction amount
3. Charles Schwab
   • Receive full reimbursements at the end of every month for any ATM fees incurred, anywhere if you have the Schwab Bank Visa Platinum debit card, a High Yield Investor account, or a Max Rate checking account with at least a $5,000 balance.
4. Citibank
   • With numerous international locations, customers can avoid fees by withdrawing money from Citi-branded ATM’s. Citibank actually has branches abroad, with over 4,000 locations in more than forty countries.
   • If you can’t find a location in your destination, non-Citibank ATM withdrawals outside the US result in a $2 fee plus the 3% international transaction charge you always get hit with, though both of those are waived for Citigold members.
5. Fidelity
   • All Fidelity ATM withdrawal fees will be waived for your Fidelity Cash Management Account. In addition, your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity Visa Gold Check Card linked to your account at any ATM displaying the Visa, Plus, or Star logos. ATM reimbursements will be credited to the account when the transaction posts.
   • There is a foreign transaction fee of one percent that is not waived, which will be included in the amount charged to your account.
   • You could be charged percentage fees of 1-3% by Visa because it processed withdrawals as cash advances, so be sure you select withdrawal and checking account from the ATM.
6. First Republic Bank
   • Their ATM Rebate Checking account offers free use of more than 800,000 ATMs worldwide, unlimited ATM access, and even interest on balances above $3,500.
   • ATM withdrawal fees are refunded from other banks worldwide and international card usage fees are waived. There are free ATM withdrawals to available limits as well.
   • You must have a minimum opening balance of $500 and minimum average balance of $3,500 to avoid monthly fees.
7. PNC
   • Though PNC does not have international partners and will charge you a $5 fee per transaction plus 3% of the transaction amount, if you are a Performance and Performance Select customer, these fees are waived.
   • The fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend, Reserve or Growth accounts during a statement period will be reimbursed to your Spend account at the end of the statement period. Fees in excess of two per statement period will not be reimbursed, and remember this might not include the fees the foreign bank charges you for withdrawals.
8. TD Bank
   • Charges a flat $2.50 fee for ATM withdrawals with no foreign transaction fees
   • The fee is waived for TD Premier and TD Relationship account holders with a daily minimum balance of $2,500 in their account.
9. USAA:
   • USAA Bank refunds up to $15 in other banks’ ATM usage fees each month and does not charge a fee for the first 10 ATM withdrawals.
   • Subsequent transactions will be charged $2.00 each.
   • A 1% foreign transaction fee applies to withdrawals outside the United States.
10. US Bank
    • With no foreign partners or international ATM locations, US Bank also adds fees to all debit card transactions abroad including a flat fee and a 2% withdrawal charge for those made in US dollars and 3% in foreign currency.
    • The $2.50 fee is waived for Platinum and Premium Checking customers, while Gold Checking customers can get two fee waivers every statement period.
11. Wells Fargo
    • Wells Fargo will charge most of their customers $5 for foreign withdrawals
    • Customers with PMA Package accounts will receive a total of up to 2 free non-Wells Fargo ATM withdrawal transactions (combined U.S. and International) per statement cycle
    • Fees are all waived if PMA qualifying balance is $250,000 or more.

More Information at The Points Guys