Compare Credit Cards to Use Abroad

Compare the best credit cards to use abroad & find the abroad credit card that's going to give you the best exchange rate & lowest charges when you travel overseas. We help you find the best credit card to use abroad by comparing credit cards for abroad that offer fee free foreign transactions so you can compare & save.
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Post Office Credit Card
PurchasesInternational ChargesRepresentative APR
0% for 3 months0%17.8%
0% commission on purchases made overseas.
Representative Example: The annual purchase rate is 17.8% p.a.(variable) so if you spend £1,200 your representative APR will be 17.8% (variable).
 
Aqua Advance Card
PurchasesInternational ChargesRepresentative APR
-0%34.9%
Simply keep to your credit limit, make repayments when due and watch your interest rate drop to 19.9% APR (variable).
Representative Example: The annual purchase rate is 34.92% p.a.(variable) so if you spend £1,200 your representative APR will be 34.9% (variable).
 
Lloyds Bank Premier Avios Rewards Credit Card
PurchasesInternational ChargesRepresentative APR
0% for 13 months0%50.8%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 50.8% (variable)+£140 fee p.a
 
Capital One Classic Extra Card
PurchasesInternational ChargesRepresentative APR
-0%34.9%
A quick response in 60 seconds.
Representative Example: 34.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 34.94% p.a. variable.
 
Nationwide Select Credit Card
PurchasesInternational ChargesRepresentative APR
0% for 15 months0%15.9%
To be eligible you have to hold a FlexAccount with a Visa debit card (not cash card) and pay in £750+ each month (excluding internal transfers).
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
 
Saga Platinum Credit Card
PurchasesInternational ChargesRepresentative APR
0% for 9 months0%11.9%
0% foreign exchange fees on transactions worldwide.
Representative Example: The annual purchase rate is 11.3% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
 
Lloyds Bank Avios Rewards Credit Card
PurchasesInternational ChargesRepresentative APR
0% for 13 months0%22.7%
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 annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 22.7% (variable)+£24 fee p.a
 
Aqua Reward Credit Card
PurchasesInternational ChargesRepresentative APR
-0%34.9%
Representative Example: The annual purchase rate is 34.91% p.a.(variable) so if you spend £1,200 your representative APR will be 34.9% (variable).
 
Nationwide Credit Card (Balance Transfer)
PurchasesInternational ChargesRepresentative APR
0% for 3 months2%17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
 
Nationwide Credit Card (Purchases)
PurchasesInternational ChargesRepresentative APR
0% for 15 months2%17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
 
Tesco Bank Clubcard Credit Card (Balance Transfer)
PurchasesInternational ChargesRepresentative APR
0% for 3 months2.75%18.9%
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Capital One Classic Card
PurchasesInternational ChargesRepresentative APR
-2.75%34.9%
A quick response in 60 seconds.
Representative Example: 34.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 34.94% p.a. variable.
 
Sainsbury's Bank Nectar Low Rate Credit Card
PurchasesInternational ChargesRepresentative APR
-2.75%6.9%
Double Nectar points on Sainsbury's shopping and 1 Nectar point for every £5 spent on your card elsewhere.
Representative Example: The annual purchase rate is 6.95% p.a.(variable) so if you spend £1,200 your representative APR will be 6.9% (variable).
 
Sainsbury's Bank Nectar Credit Card
PurchasesInternational ChargesRepresentative APR
0% for 16 months2.75%16.9%
Double Nectar points on Sainsbury's shopping and 1 Nectar point for every £5 spent on your card elsewhere.
Representative Example: The annual purchase rate is 16.94% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
 
Tesco Bank Clubcard Credit Card with Low APR
PurchasesInternational ChargesRepresentative APR
0% for 3 months2.75%7.8%
There is a 0.00% handling fee for balances transferred during the first 3 months from account opening.
Representative Example: The annual purchase rate is 7.84% p.a.(variable) so if you spend £1,200 your representative APR will be 7.8% (variable).
 
Tesco Bank Clubcard Credit Card with Low BT Fee
PurchasesInternational ChargesRepresentative APR
0% for 12 months2.75%18.9%
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Tesco Bank Clubcard Credit Card for Purchases
PurchasesInternational ChargesRepresentative APR
0% for 18 months2.75%18.9%
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Sainsbury's Bank Nectar Credit Card (Nectar Refund)
PurchasesInternational ChargesRepresentative APR
0% for 12 months2.75%16.9%
The 3% BT fee is refunded in Nectar points on Balance Transfers carried out within the first 6 weeks of account opening.
Representative Example: The annual purchase rate is 16.94% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
 
Virgin Atlantic White Credit Card Account from MBNA
PurchasesInternational ChargesRepresentative APR
-2.75%17.9%
3,000 miles with your first card purchase plus an additional 7,000 bonus miles when you apply before 30 June 2014 and make £1,000 on card purchases within 90 days of account opening (T&Cs apply).
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
 
Capital One Classic Preferred Card
PurchasesInternational ChargesRepresentative APR
-2.75%28.9%
Special low rate for people trying to improve their credit score + easy, fast application with a response in 60 seconds. Offer ends May 14th. See website for details.
Representative Example: The annual purchase rate is 28.94% p.a.(variable) so if you spend £1,200 your representative APR will be 28.9% (variable).
 

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How to Get the Best Credit Card to Use Abroad

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 credit 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.

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.

Credit Card Comparison