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.
Post Office Credit Card
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
0% for 3 months0%24.9% p.a.
2.5% fee (min £3)
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
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
-0%34.9% p.a.
3% fee (min £3)
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 Avios Rewards Credit Card
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
0% for 13 months0%18.0% p.a.
3% fee (min £3)
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
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
-0%40.0% p.a.
3% fee (min £3)
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).
Lloyds Bank Premier Avios Rewards Credit Card
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
0% for 13 months0%18.0% p.a.
3% fee (min £3)
50.8%
No foreign transaction fees.
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
Saga Platinum Credit Card
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
0% for 9 months0%19.6% p.a.
2% fee (min £2)
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).
Nationwide Credit Card (Balance Transfer)
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
0% for 3 months2%27.9% p.a.
2.5% fee (min £3)
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)
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
0% for 15 months2%27.9% p.a.
2.5% fee (min £3)
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 (Low Fee Balance Transfer)
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
0% for 3 months2%27.9% p.a.
2.5% fee (min £3)
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)
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
0% for 3 months2.75%24.9% p.a.
3% fee (min £3)
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).
Tesco Bank Clubcard Credit Card with No BT Fee
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
0% for 10 months2.75%24.9% p.a.
3% fee (min £3)
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
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
-2.75%34.9% p.a.
3% fee (min £3)
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.
Tesco Bank Clubcard Credit Card for Purchases
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
0% for 19 months2.75%24.9% p.a.
3% fee (min £3)
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 Low Rate Credit Card
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
6.95% variable2.75%24.9% p.a.
3% fee (min £3)
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
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
0% for 18 months2.75%26.0% p.a.
3% fee (min £3)
18.9%
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 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer) Semi Excl
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
0% for 3 months2.75%24.9% p.a.
3% fee (min £3)
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).
Sainsbury's Bank Nectar Balance Transfer Credit Card
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
0% for 6 months2.75%26.0% p.a.
3% fee (min £3)
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Sainsbury's Bank Nectar Low BT Fee Credit Card
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
0% for 12 months2.75%26.0% p.a.
3% fee (min £3)
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Capital One Classic Platinum Card
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
-2.75%29.8% p.a.
3% fee (min £3)
29.8%
Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 29.84% p.a. variable, you will receive a 29.8% APR representative variable.
Capital One Classic Extra Card
PurchasesForeign Transaction FeeCash WithdrawalsRepresentative APR
-2.75%34.9% p.a.
3% fee (min £3)
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.

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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 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.

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