Credit card needed for the US. I dont have one presently .. what do I need to know …

And what are best options on market for me right now please . I’m a PTSB Customer . Thanks

As a PTSB customer why not just apply directly to your bank for a credit card? https://www.ptsb.ie/everyday-banking/credit-cards/ice-visa-credit-card/

Any use?

I’m just wondering if anyone knows the best rates at present ?

If you repay the CC each month, you'll never pay interest, so the interest rates don't matter.

Look around for providers that aren't banks too.

Credit limit may be higher and also cashback.

Jumbled said:

I’m just wondering if anyone knows the best rates at present ?

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As @Protocol said, at all costs avoid racking up debt on a credit card. Clear the balance before interest accrues. If you can't do this then don't get a credit card. Especially if you may have other debts already.
Credit cards can be a useful cashflow management tool if you clear the balance before interest accrues, but they are one of the worst and most expensive ways to borrow longer term than c. monthly.

Apart from all that, the links that I posted above list the interest rates applicable on some, most or all credit cards available on the Irish market at the moment.

Just get a ptsb credit card.

In fact, get two in case one stops working.

You should not rely on Revolut. Just use it as a back up.

Brendan Burgess said:

Just get a ptsb credit card.

In fact, get two in case one stops working.

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And pay two sets of stamp duty?
And run the risk of racking up debt on two cards?

If a card from a regular bank doesn't work then surely you can just call support?

ClubMan said:

And pay two sets of stamp duty?

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I agree two credit cards is overkill.

Just always travel with backup by way of debit cards and cash.

Good point.

Get a credit card from a proper bank - not the likes of Revolut.

Then a debit card backup should be fine.

Brendan

Jumbled said:

And what are best options on market for me right now please . I’m a PTSB Customer . Thanks

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Just offering this as an alternative. In the past I used credit cards for everything, literally every transaction I made, domestic and overseas. I still do for all domestic expenditure. However over the last few years the Irish banks have been steadily increasing the cost of using a credit card for non Euro transactions and it has actually become quite expensive. I now use an N26 debit card whenever I am travelling - there are no charges, the exchange rate matches XE.com (rather than the crazy made-up exchange rates the Irish banks use), it works everywhere I've been in the US and Canada including for swiping, contactless and handheld terminals, it works in the majority of Bank ATMs, I get instant notifications for all transactions to my phone and watch, the online accounts are instantly updated so I always know where I stand and the self managed security and fraud controls are light years ahead of anything the Irish banks offer. I always have other cards with me, including an Irish Euro credit card which I bring as a backup.

I should add that I clear my credit card every month. Last time I paid extortion interest was Feb 1992, and that was a bank error which was very promptly refunded !