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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Search 242 credit cards.
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0% PurchasesCashback & Rewards
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International ChargesBalance Transfer IntroPurchase IntroRepresentative APR  
RateDurationRateDuration(Variable) 
Promoted Results
Sainsbury's Finance
 
Sainsbury's Gold Credit Card
0%
n/a
n/a
9.9%
n/a
20.1%
Representative Example: The annual purchase rate is 9.9% p.a.(variable) so if you spend £1,200 your representative APR will be 20.1% (variable)+£60 fee p.a
Post Office
Platinum Card
0%0%
14
months
0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
0% commission on purchases overseas
Saga
Platinum
0%0%
9
months
0%
9
months
11.9%
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).
0% foreign exchange fees on transactions worldwide.
Nationwide
Credit Card (Balance Transfer)
2%0%
17
months
0%
3
months
15.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
Nationwide
Select Credit Card
2.5%0%
17
months
0%
18
months
12.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
To be eligible you have to hold a FlexAccount with a Visa debit card (not cash card+) and pay in £750 or more each month (excluding internal... more
Barclaycard
Platinum With BT (22 Mths)
2.75%0%
22
months
0%
3
months
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).
NatWest
Platinum Card (Online)
2.75%0%
20
months
0%
6
months
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).
RBS
Platinum Card
2.75%0%
20
months
0%
6
months
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).
Barclaycard
Platinum Low BT Fee
2.75%0%
16
months
0%
3
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
2.1% Balance Transfer fee with a 0.5% refund, reduces this to equivalent of 1.6% for everyone (terms & conditions apply).
Sainsbury's Finance
 
Sainsbury's Credit Card (Nectar Card Holders Only)
2.75%0%
12
months
0%
12
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Must have swiped your Nectar card in store in the last 6 months.
Double Nectar points for every £1 you spend on your card in Sainsbury's for the first 2 years. One Nectar point for every £5 spent on your card elsewhere.
Barclaycard
Platinum Purchase
2.75%0%
14
months
0%
14
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Barclaycard
Platinum With BT (21 Mths)
2.75%0%
21
months
0%
3
months
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).
3.2% Balance Transfer fee, 0.6% refund reduces this to equivalent of 2.6% (terms & conditions apply).
Capital One
Classic Visa Card
2.75%
n/a
n/a
34.94%
n/a
34.9%
Representative Example: 34.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 34.94% p.a. variable.
Capital One, Trent House, Station Street, Nottingham, NG2 3HX
Tesco Bank
Tesco Clubcard Credit Card
2.75%0%
9
months
0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Tesco Bank, PO Box 5747, Southend on Sea, SS1 9AJ.
NatWest
YourPoints World MasterCard
2.75%0%
13
months
0%
13
months
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).
1 point for every £1 spent Use towards flights, holidays and brands like M&S, Boots and Amazon. 2500 bonus points when you join.
Sainsbury's Finance
 
Sainsbury's Nectar Credit Card
2.75%0%
15
months
0%
6
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Virgin
Atlantic White Card Account (Visa)
2.75%0%
6
months
17.9%
n/a
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).
Two cards on one account means more opportunities to earn Flying Club miles, wherever you are. Enjoy 10% discount on Virgin Holidays bookings.
Sainsbury's Finance
 
Sainsbury's Low Rate Credit Card
2.75%
n/a
n/a
6.95%
n/a
6.9%
Representative Example: The annual purchase rate is 6.9% p.a.(variable) so if you spend £1,200 your representative APR will be 6.9% (variable).
Rate only available to Sainsbury's shoppers with a Nectar Card
Barclaycard
Platinum Simplicity
2.75%7.9%Unlimited7.9%
n/a
7.9%
Representative Example: The annual purchase rate is 7.9% p.a.(variable) so if you spend £1,200 your representative APR will be 7.9% (variable).
Virgin
Atlantic Black Card Account (Visa)
2.75%0%
6
months
18.9%
n/a
47.2%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 47.2% (variable)+£140 fee p.a
Two cards, one account. An American Express® Credit Card and a Visa Credit Card means more opportunities to earn Flying Club miles.
Capital One
World MasterCard
2.75%
n/a
n/a
19.94%
n/a
19.9%
Representative Example: The annual purchase rate is 19.94% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).
Earn 5% Cashback on purchases for your first 3 months, max £100. Capital One, Trent House, Station Street, Nottingham, NG2 3HX
Capital One
Business Card
2.75%
n/a
n/a
16.9%
n/a
16.9%
5% cashback - great rewards for small business
Barclaycard
Initial Credit Card
2.75%
n/a
n/a
29.9%
n/a
29.9%
Representative Example: The annual purchase rate is 29.9% p.a.(variable) so if you spend £1,200 your representative APR will be 29.9% (variable).
Best suited to those looking for their first credit card. Not recommended if you have missed multiple payments or if you have defaulted or have CCJS in the past.
Halifax
Balance Transfer Card 17/3
2.95%0%
17
months
0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Halifax
Balance Transfer Card 20/3
2.95%0%
20
months
0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
You must have an annual income of £20,000 or more to apply.
Halifax
Balance Transfer Card
2.95%0%
22
months
0%
3
months
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).
You must have an annual income of £20,000 or more to apply
Halifax
All in One Card MasterCard
2.95%0%
15
months
0%
15
months
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).
Bank of Scotland
 
All in One Card
2.95%0%
12
months
0%
12
months
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).
Lloyds TSB
Advance MasterCard
2.95%4.9%
12
months
0%
6
months
11.9%
Representative Example: The annual purchase rate is 11.9% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
Lloyds TSB
Platinum MasterCard
2.95%0%
15
months
0%
3
months
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).
Bank of Scotland
 
Plus Credit Card
2.95%0%
18
months
0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Bank of Scotland
 
All in One Advantage Card
2.95%0%
13
months
0%
13
months
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).
SAV Credit Ltd
aqua card
2.95%
n/a
n/a
35.9%
n/a
35.9%
Representative Example: The annual purchase rate is 35.9% p.a.(variable) so if you spend £1,200 your representative APR will be 35.9% (variable).
Self-employed, have a new address, low or irregular income, CCJs (over 12 months old).
Lloyds TSB
Duo Avios Credit Card
2.95%0%
6
months
15.9%
n/a
15.9%
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).
Apply before 1 March 2012, get an exclusive online bonus of 2,000 Avios if you spend at least £500 each month for the first 3 months.
Virgin
Balance Transfer Credit Card
2.99%0%
20
months
0%
3
months
16.8%
Representative Example: The annual purchase rate is 16.8% p.a.(variable) so if you spend £1,200 your representative APR will be 16.8% (variable).
Virgin
All Round Credit Card
2.99%0%
16
months
0%
6
months
15.8%
Representative Example: The annual purchase rate is 15.8% p.a.(variable) so if you spend £1,200 your representative APR will be 15.8% (variable).
HSBC
Credit Card
2.99%0%
23
months
0%
3
months
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).
Only available to existing HSBC current account customers, paying in at least £500 a month.
British Airways
BA American Express Credit Card
2.99%
n/a
n/a
19.9%
n/a
19.9%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).
9,000 bonus Avios points when you spend £1000 in your first 3 months of Cardmembership.
Virgin
Purchase Credit Card
2.99%0%
13
months
0%
13
months
18.9%
Representative Example: The annual purchase rate is 16.8% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
AA
Rewards Credit Card
2.99%0%
12
months
0%
10
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Earn Reward Points every time you spend, earn double on fuel. Redeem on a range of products including shopping vouchers and cash back.
Vanquis
The Visa Card
2.99%
n/a
n/a
39.9%
n/a
39.9%
Representative Example: Representative 39.9% APR variable. Based on £1,000 credit limit & annual purchase rate 39.94% p.a. variable.
Suitable if you are new to credit, have had CCJs or have bad credit history. Can apply for up to £2,000 credit.
Play.com
Credit Card
2.99%0%
6
months
0%
9
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
1500 bonus PlayPoints awarded when you spend £150 on card purchases within 90 days of account opening.
British Airways
BA American Express Premium Plus Credit Card
2.99%
n/a
n/a
19.9%
n/a
50.1%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 50.1% (variable)+£150 fee p.a
18,000 bonus Avios Points, when you spend £3,000 in your first 3 months of Cardmembership.
Creation
Cashback Card
2.99%0%
6
months
19%
n/a
18.9%
Representative Example: The annual purchase rate is 19% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Aquis
Visa Card
2.99%
n/a
n/a
29.8%
n/a
29.8%
Representative Example: The annual purchase rate is 29.8% p.a.(variable) so if you spend £1,000 your representative APR will be 29.8% (variable).
Creation
Purchase Card
2.99%0%
9
months
0%
13
months
17.9%
Representative Example: The annual purchase rate is 18% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
AA
Balance Transfer Credit Card
2.99%0%
16
months
0%
3
months
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).
Long 0% period on balance transfers with competitive 2.9% fee, plus earn while you spend with a generous rewards scheme. Good credit customers.
Barclaycard
Business Credit Card
2.99%
n/a
n/a
0%
3
months
21.7%
Full Results
Sainsbury's Finance
 
Sainsbury's Gold Credit Card
0%
n/a
n/a
9.9%
n/a
20.1%
Representative Example: The annual purchase rate is 9.9% p.a.(variable) so if you spend £1,200 your representative APR will be 20.1% (variable)+£60 fee p.a
Post Office
Platinum Card
0%0%
14
months
0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
0% commission on purchases overseas
Saga
Platinum
0%0%
9
months
0%
9
months
11.9%
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).
0% foreign exchange fees on transactions worldwide.
Halifax
Rewards Clarity Credit Card
0%
n/a
n/a
12.9%
n/a
12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
Halifax
Clarity Credit Card (Online)
0%
n/a
n/a
12.9%
n/a
12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
Metro Bank
Personal Credit Card
0%
n/a
n/a
13%
n/a
13%
Representative Example: The annual purchase rate is 13% p.a.(variable) so if you spend £1,200 your representative APR will be 13% (variable).
Post Office
Classic Card
0%0%
14
months
0%
3
months
19.9%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).
Halifax
Clarity Credit Card
0%
n/a
n/a
12.9%
n/a
12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
Metro Bank
Business Credit Card
0%
n/a
n/a
13%
n/a
13%
Nationwide
Credit Card (Balance Transfer)
2%0%
17
months
0%
3
months
15.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
Nationwide
Credit Card (Purchases)
2%
n/a
n/a
0%
6
months
15.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
Nationwide
Select Credit Card
2.5%0%
17
months
0%
18
months
12.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
To be eligible you have to hold a FlexAccount with a Visa debit card (not cash card+) and pay in £750 or more each month (excluding internal... more
Thomas Cook
Credit Card
2.5%0%
9
months
0%
3
months
19.9%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).
Rise
Visa
2.5%
n/a
n/a
0%
n/a
303%
Representative Example: The annual purchase rate is 0% p.a.(variable) so if you spend £300 your representative APR will be 303% (variable)+£360 fee p.a
Barclaycard
Platinum With BT (22 Mths)
2.75%0%
22
months
0%
3
months
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).
NatWest
Platinum Card (Online)
2.75%0%
20
months
0%
6
months
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).
RBS
Platinum Card
2.75%0%
20
months
0%
6
months
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).
Barclaycard
Platinum Low BT Fee
2.75%0%
16
months
0%
3
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
2.1% Balance Transfer fee with a 0.5% refund, reduces this to equivalent of 1.6% for everyone (terms & conditions apply).
Sainsbury's Finance
 
Sainsbury's Credit Card (Nectar Card Holders Only)
2.75%0%
12
months
0%
12
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Must have swiped your Nectar card in store in the last 6 months.
Double Nectar points for every £1 you spend on your card in Sainsbury's for the first 2 years. One Nectar point for every £5 spent on your card elsewhere.
Barclaycard
Platinum Purchase
2.75%0%
14
months
0%
14
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 Next Page  >
money.co.uk, Dot Zinc Limited, Fleet House, 8-12 New Bridge Street, London. EC4V 6AL. We are a Credit Intermediary for all consumer credit products listed on money.co.uk, with the exception of products from the following providers: Tesco Bank, Royal Bank of Scotland Group and Nationwide Building Society.
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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.

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.

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