u/SeggsyLlama

Hi! I'm an Italian citizen, lived in the US 7 years, now in Madrid earning euros (paid to Santander).

I'm trying to figure out which of these actually leaves me with more money:

A) Just use my Santander debit card for everything in Spain. Simple, no fees, but earns nothing.

B) Use my BofA Travel Rewards card (US, no annual fee, no foreign transaction fee, 1.5% back) for everything, and top up a Wise account from Santander each month to pay the bill, losing (i think???) ~0.5% on the EUR→USD conversion plus the fee of 1.5 dollars per transaction.

By my math, B nets ~1% ahead (1.5% rewards minus ~0.5% conversion), so on my spend it's a few hundred euros a year vs. debit. Am I right, or am I missing a hidden cost?

Also: I have a Chase Sapphire Preferred ($95/yr) I'm planning to downgrade to a no-fee Freedom Unlimited since I don't use travel transfer partners (I fly Ryanair). Any reason not to?

Appreciate any blind spots!!

Hola, pues contrate el seguro de salud de Adeslas hace un anio y no lo queria renovar. Pense que simplemente se terminaba al anio pero me acaban de cobrar hace dos dias los 700 euros. Estoy ahora en un trabajo que con las justas puedo mantenerme, esto me dejaria en una gran deuda. Hay alguna forma de pedir que me cancelen el seguro y que me devuelvan el dinero? Estoy desesperada, no tenia idea que renovaban automaticamente. Si alguien sabe de algo de esto estaria muy agradecida.