Daily Spend
Daily Cash Withdrawal
Duration of Trip
We've assumed: change
You will make 5 purchases and 5 cash withdrawals a day whilst abroad.
Aqua Advance Card
Purchases
-
Foreign Transaction Fee
0%
Cash Withdrawals
34.9% p.a.
3% fee (min £3)
Representative APR (variable)
34.9% APR
You will incur charges of
£41.65 on a spend of £2,450
Simply keep to your credit limit, make repayments when due and watch your interest rate drop to 19.9% APR (variable). Minimum initial credit limit is £250.
Representative Example: The standard interest rate on purchases is 34.92% p.a. (variable). So if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Lloyds Bank Avios Rewards Credit Card
Purchases
0% for 16 months
Foreign Transaction Fee
0%
Cash Withdrawals
18.9% p.a.
3% fee (min £3)
Representative APR (variable)
23.7% APR
You will incur charges of
£31.50 on a spend of £2,450
No foreign transaction fees when using your cards abroad. Flight upgrade upon £7,000 spend per year. Double Avios points for the first 6 months on the Avios American Express Card.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), £24 annual fee. So if you borrow £1,200 the Representative APR will be 23.7% APR (variable).
Aqua Reward Credit Card
Purchases
-
Foreign Transaction Fee
0%
Cash Withdrawals
40.0% p.a.
3% fee (min £3)
Representative APR (variable)
34.9% APR
You will incur charges of
£41.65 on a spend of £2,450
The minimum initial credit limit is £250
Representative Example: The standard interest rate on purchases is 34.91% p.a. (variable). So if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Lloyds Bank Premier Avios Rewards Credit Card
Purchases
0% for 16 months
Foreign Transaction Fee
0%
Cash Withdrawals
18.9% p.a.
3% fee (min £3)
Representative APR (variable)
52.1% APR
You will incur charges of
£31.50 on a spend of £2,450
No foreign transaction fees.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), £140 annual fee. So if you borrow £1,200 the Representative APR will be 52.1% APR (variable).
Saga Platinum Credit Card
Purchases
0% for 9 months
Foreign Transaction Fee
0%
Cash Withdrawals
19.6% p.a.
2% fee (min £2)
Representative APR (variable)
11.9% APR
You will incur charges of
£25.55 on a spend of £2,450
0% foreign exchange fees on transactions worldwide.
Representative Example: The standard interest rate on purchases is 11.3% p.a. (variable). So if you borrow £1,200 the Representative APR will be 11.9% APR (variable).
Nationwide Credit Card (Balance Transfer)
Purchases
0% for 3 months
Foreign Transaction Fee
2%
Cash Withdrawals
27.9% p.a.
2.5% fee (min £3)
Representative APR (variable)
17.9% APR
You will incur charges of
£81.55 on a spend of £2,450
Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 17.9% APR (variable).
Nationwide Credit Card (Purchases)
Purchases
0% for 15 months
Foreign Transaction Fee
2%
Cash Withdrawals
27.9% p.a.
2.5% fee (min £3)
Representative APR (variable)
17.9% APR
You will incur charges of
£81.55 on a spend of £2,450
Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 17.9% APR (variable).
Nationwide Credit Card (Low Fee Balance Transfer)
Purchases
0% for 3 months
Foreign Transaction Fee
2%
Cash Withdrawals
27.9% p.a.
2.5% fee (min £3)
Representative APR (variable)
17.9% APR
You will incur charges of
£81.55 on a spend of £2,450
Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 17.9% APR (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer)
Purchases
0% for 3 months
Foreign Transaction Fee
2.75%
Cash Withdrawals
24.9% p.a.
3% fee (min £3)
Representative APR (variable)
18.9% APR
You will incur charges of
£102.55 on a spend of £2,450
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar Bonus Credit Card
Purchases
0% for 18 months
Foreign Transaction Fee
2.75%
Cash Withdrawals
26.0% p.a.
3% fee (min £3)
Representative APR (variable)
18.9% APR
You will incur charges of
£102.90 on a spend of £2,450
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card with No BT Fee
Purchases
0% for 12 months
Foreign Transaction Fee
2.75%
Cash Withdrawals
24.9% p.a.
3% fee (min £3)
Representative APR (variable)
18.9% APR
You will incur charges of
£102.55 on a spend of £2,450
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar Low BT Fee Credit Card
Purchases
0% for 12 months
Foreign Transaction Fee
2.75%
Cash Withdrawals
26.0% p.a.
3% fee (min £3)
Representative APR (variable)
18.9% APR
You will incur charges of
£102.90 on a spend of £2,450
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Capital One Classic Card
Purchases
-
Foreign Transaction Fee
2.75%
Cash Withdrawals
34.9% p.a.
3% fee (min £3)
Representative APR (variable)
34.9% APR
You will incur charges of
£107.45 on a spend of £2,450
A quick response in 60 seconds.
Representative Example: The standard interest rate on purchases is 34.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Tesco Bank Clubcard Credit Card for Purchases
Purchases
0% for 19 months
Foreign Transaction Fee
2.75%
Cash Withdrawals
24.9% p.a.
3% fee (min £3)
Representative APR (variable)
18.9% APR
You will incur charges of
£102.55 on a spend of £2,450
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar Balance Transfer Credit Card
Purchases
0% for 6 months
Foreign Transaction Fee
2.75%
Cash Withdrawals
26.0% p.a.
3% fee (min £3)
Representative APR (variable)
18.9% APR
You will incur charges of
£102.90 on a spend of £2,450
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer) Semi Excl
Purchases
0% for 3 months
Foreign Transaction Fee
2.75%
Cash Withdrawals
24.9% p.a.
3% fee (min £3)
Representative APR (variable)
18.9% APR
You will incur charges of
£102.55 on a spend of £2,450
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Capital One Classic Platinum Card
Purchases
-
Foreign Transaction Fee
2.75%
Cash Withdrawals
29.8% p.a.
3% fee (min £3)
Representative APR (variable)
29.8% APR
You will incur charges of
£105 on a spend of £2,450
Representative Example: The standard interest rate on purchases is 29.84% p.a. (variable). So if you borrow £1,200 the Representative APR will be 29.8% APR (variable).
Capital One Classic Extra Card
Purchases
-
Foreign Transaction Fee
2.75%
Cash Withdrawals
34.9% p.a.
3% fee (min £3)
Representative APR (variable)
34.9% APR
You will incur charges of
£107.45 on a spend of £2,450
A quick response in 60 seconds.
Representative Example: The standard interest rate on purchases is 34.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Tesco Bank Clubcard Credit Card with Low APR
Purchases
0% for 3 months
Foreign Transaction Fee
2.75%
Cash Withdrawals
24.9% p.a.
3% fee (min £3)
Representative APR (variable)
7.8% APR
You will incur charges of
£102.55 on a spend of £2,450
There is a 0.00% handling fee for balances transferred during the first 3 months from account opening.
Representative Example: The standard interest rate on purchases is 7.84% p.a. (variable). So if you borrow £1,200 the Representative APR will be 7.8% APR (variable).
Tesco Bank Purchase Card with 1,000 Points
Purchases
0% for 17 months
Foreign Transaction Fee
2.75%
Cash Withdrawals
24.9% p.a.
3% fee (min £3)
Representative APR (variable)
18.9% APR
You will incur charges of
£102.55 on a spend of £2,450
1,000 Clubcard points if you make a purchase or transfer a balance within 2 months of account opening. Card available only if you apply online.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).

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How to Get the Best Credit Card to Use Abroad

by Martin from money.co.uk

Using your usual credit card abroad could end up being expensive, so applying for specialist credit cards to use aboard could save you a tidy sum on fees and charges. Here's how to find the best credit card for overseas use.

Credit Card And Map

Travelling overseas could prove more expensive than you bargained for if you spend on an ordinary credit card while you're away.

Most standard credit cards apply an additional percentage fee to every transaction you make while overseas. At around 3% a time these International Charges can add to the cost of using your credit card abroad significantly.

However, you can avoid these charges completely by applying for one of the best credit cards for abroad several weeks before you travel.

There is a growing selection of overseas credit cards targeted at people who plan on using their card abroad, many of these will allow you to use your card to make purchases without applying international charges.

So, when looking for the best credit card abroad you will need to compare the international charges, transaction fees, interest charges and exchange fees applied so that you can narrow down your options to just the cheapest credit cards to use abroad and apply for the one that will work best for you.

Other perks are also often available with the best credit cards for abroad, including 0% interest on purchases for a set period, and freebies such as travel insurance and airmiles. However, these sweeteners are only worthwhile if they're combined with fee free spending otherwise the amount you'll have to pay in charges will outweigh the rewards you earn.

Irrespective of charges and benefits you still need to be smart when using your credit card abroad.

Withdrawing cash using your card is still likely to incur a cash advance charge so should be avoided if at all possible, and you'll need to have the funds available to pay off your spending in full when you return to the UK or you'll soon start accruing interest charges.

One final point to consider is that while overseas credit cards are great for cutting your costs while you're on holiday, once you return to the UK they are likely to be less attractive.

As a result it makes sense to keep your overseas credit card for use outside the UK and look elsewhere for the best credit card to use while you're at home so you are always getting the most from your cards.

To find the best credit cards abroad free of hefty overseas charges, use our credit cards abroad comparison table but make sure to apply with plenty of time before you travel or your card could arrive too late.