Capital One's Europe Problem Is Bad — But Chase's Change May Be Worse + Hilton's Strange Brand!

Capital One's switch to the Discover payment network is getting cards declined at ATMs and payment terminals overseas — Mark found out the hard way in Poland and Dublin. Chase made things worse by quietly killing fraud alerts for international charges, leaving one of Mark's travel buddies $1,000 in the hole at a bar in Poland with zero notification. Plus: a leaked Amex card nobody asked for, Yotel joining Hilton's portfolio, and why tap-to-pay overseas might actually work against you in a dispute. What we cover: Capital One Dulles lounge: hot, cramped, and the worst they've visited Amex Graphite Business Cash Unlimited: $250 fee for a 2% card nobody needed Capital One's Discover network switch: why cards are failing overseas Mark's Capital One debit declined in Poland and Dublin — what happened Best international debit cards in 2026: Charles Schwab, SoFi, Fidelity Is Venture X still worth taking overseas? Yotel joins Hilton as "Select by Hilton" — bookable with points by year end Chase ends fraud alerts for international and non-physical charges Mark's buddy loses $1,000+ at a bar in Poland — no fraud alert sent Apple Pay overseas: biometric authorization makes disputes harder Episode Guide: 0:00 - Welcome to MTM Travel 0:43 - Capital One Dulles lounge: the worst they've visited 2:23 - Amex Graphite Business Cash Unlimited: $250 for a 2% card? 7:17 - Capital One's Discover network switch explained 8:00 - Mark's Capital One debit declined in Poland and Dublin 8:20 - Best international debit cards: Schwab, SoFi, Fidelity 14:50 - Is Venture X still worth taking overseas? 15:42 - Yotel joins Hilton as "Select by Hilton" 19:33 - Chase ends international fraud alerts 20:50 - Mark's buddy loses $1,000+ at a bar in Poland — no fraud alert 23:27 - Apple Pay overseas: why disputes are harder to win 28:22 - Wrap + subscribe 📧 Free newsletter ✈️ Track your travel credit cards for free 💳 Join our free Facebook group (16,000+ members) 🏆 Diamond Patreon — bonus shows + Slack community 🥇 Gold Membership ($10/mo) 🎧 Subscribe on Apple Podcasts 📖 Miles to Memories website