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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International ChargesBalance Transfer IntroPurchase IntroRepresentative APR  
RateDurationRateDuration(Variable) 
Promoted Results
SAV Credit Ltd
aqua Advance Card
0%
---
---
---
---
34.9%
Representative Example: The annual purchase rate is 34.9% p.a.(variable) so if you spend £1,200 your representative APR will be 34.9% (variable).
Simply keep to your credit limit, make repayments when due and watch your interest rate drop to 19.9% APR (variable).
Post Office
Credit 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 made overseas.
Nationwide
Credit Card (Balance Transfer - Online)
2%0%
20
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).
Shout
Visa
2.5%No introductory rate
---
No introductory rate
---
627%
Representative Example: If you spend £300 on a purchase transaction at the start of your agreement, and incur total monthly charges of £540 over a period of 20 months your representative APR will be 627% (variable).
The NEW shout Visa Credit Card. For people who want credit to be simple, clear and affordable
Tesco Bank
Clubcard Credit Card for Balance Transfers
2.75%0%
25
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).
Tesco Bank
Clubcard Credit Card for Purchases
2.75%0%
9
months
0%
16
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).
NatWest
Platinum Card (Online)
2.75%0%
26
months
0%
6
months
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 MasterCard
2.75%
---
---
---
---
34.9%
Representative Example: 34.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 34.94% p.a. variable.
The minimum payment is an amount equal to the total of (i) 1% of the outstanding balance on your account; (ii) interest applied to your account in that month; and (iii) all Default Sums incurred in that month.
NatWest
Platinum Low Fee BT
2.75%0%
13
months
0%
6
months
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 Extra
2.75%
---
---
---
---
34.9%
Representative Example: 34.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 34.94% p.a. variable.
The minimum payment is an amount equal to the total of (i) 1% of the outstanding balance on your account; (ii) interest applied to your account in that month; and (iii) all Default Sums incurred in that month.
Sainsbury's Bank
 
Sainsbury's Cashback Credit Card
2.75%0%
15
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).
5% cashback on Sainsbury's shopping for the first 3 months from account opening (capped at £50 per month). £5 cashback each month when you spend at least £250 per month on Sainsbury's shopping and at least £250 per month elsewhere.
NatWest
YourPoints World MasterCard
2.75%0%
15
months
0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.95% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (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, and every year thereafter.
RBS
YourPoints World MasterCard
2.75%0%
15
months
0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.95% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (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, and every year thereafter.
Sainsbury's Bank
 
Sainsbury's Nectar Credit Card
2.75%0%
15
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 Low Fee BT
2.75%0%
13
months
0%
6
months
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).
RBS
Platinum Card
2.75%0%
26
months
0%
6
months
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).
Virgin
Atlantic White Card Account
2.75%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).
3000 bonus Flying Club miles on first spend, plus 1 mile for every £1 spent.
Sainsbury's Bank
 
Sainsbury's Cashback Low Rate Credit Card
2.75%
---
---
---
---
7.8%
Representative Example: The annual purchase rate is 7.8% p.a.(variable) so if you spend £1,200 your representative APR will be 7.8% (variable).
5% cashback on Sainsbury's shopping for the first 3 months from account opening (capped at £50 per month)
Sainsbury's Bank
 
Sainsbury's Nectar Low Rate Credit Card
2.75%
---
---
---
---
7.8%
Representative Example: The annual purchase rate is 7.8% p.a.(variable) so if you spend £1,200 your representative APR will be 7.8% (variable).
Collect 10 Nectar points per £1 on Sainsbury's shopping for the first 3 months from account opening (capped at £1,000 spend per month). After the first 3 months collect 4 points per £1 on Sainsbury's shopping.
Virgin
Atlantic Black Card Account
2.75%0%
6
months
---
---
52.1%
Representative Example: 18.9% p.a. variable on card purchases. This is equivalent to 52.1% APR representative variable based on a credit limit of £1,200. Annual fee of £140 is payable.
6,000 bonus miles with your first card purchase.
NatWest
Visa Low Rate Credit Card
2.75%2.9%
12
months
0%
6
months
9.9%
Representative Example: The annual purchase rate is 9.9% p.a.(variable) so if you spend £1,200 your representative APR will be 9.9% (variable).
RBS
Visa Low Rate Credit Card
2.75%2.9%
12
months
0%
6
months
9.9%
Representative Example: The annual purchase rate is 9.9% p.a.(variable) so if you spend £1,200 your representative APR will be 9.9% (variable).
Santander
Credit Card
2.95%0%
17
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).
Manage your accounts online anytime of day. Manage your card on the go with the mobile app for the iPhone or iPad.
Halifax
All in One Card MasterCard
2.95%0%
15
months
0%
15
months
17.9%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
The APR and length of the promotional offer are dependent on your personal circumstances.
Halifax, The Mound, Edinburgh, EH1 1YZ.
Santander
123 Credit Card
2.95%
---
---
---
---
22.8%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 22.8% (variable)+£24 fee p.a
3% cashback on National Rail and Transport for London (TfL) travel. Plus you can still earn 3% Cashback at major petrol stations.
Lloyds TSB
Duo Avios Credit Cards
2.95%0%
6
months
---
---
17.9%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
You could get 15,000 Avios - enough for a return flight, when you successfully apply for the Duo Avios and spend £500 a month for the first three months. T&C's apply.
SAV Credit Ltd
aqua card
2.95%
---
---
---
---
32.9%
Representative Example: The annual purchase rate is 32.9% p.a.(variable) so if you spend £1,200 your representative APR will be 32.9% (variable).
SAV Credit Ltd
aqua Classic Card
2.95%
---
---
---
---
29.7%
Representative Example: The annual purchase rate is 29.73% p.a.(variable) so if you spend £1,200 your representative APR will be 29.7% (variable).
Representative 29.7% APR available for a limited time only.
Helps build your credit rating, and now track changes with FREE reports and alerts worth up to £80 per year. Get a response in 60 seconds.
Lloyds TSB
Advance MasterCard
2.95%4.9%
12
months
0%
6
months
11.9%
Representative Example: The annual purchase rate is 11.95% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
Lloyds TSB, 25 Gresham Street, London, EC2V 7HN.
SAV Credit Ltd
aqua Classic Card (39.9%)
2.95%
---
---
---
---
39.9%
Representative Example: The annual purchase rate is 39.95% p.a.(variable) so if you spend £1,200 your representative APR will be 39.9% (variable).
Helps build your credit rating, and now track changes with FREE reports and alerts worth up to £80 per year.
Lloyds TSB
Platinum Purchase 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).
Lloyds TSB
Premier Duo Avios without Premier AVA
2.95%0%
6
months
---
---
23.7%
Representative Example: The annual purchase rate is 13.95% p.a.(variable) so if you spend £1,200 your representative APR will be 23.7% (variable)+£50 fee p.a
You could get 20,000 Avios - enough for a return flight, when you successfully apply for the Duo Avios and spend £500 a month for the first three months. T&C's apply.
Bank of Scotland
 
Platinum Card (Online)
2.95%0%
18
months
0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Barclaycard
Platinum With BT (25 Mths)
2.99%0%
25
months
0%
6
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).
Refund offer on the balance transfer fee, was 3.5% now 2.4% (terms and conditions apply)
Barclaycard
Platinum With BT (27 Mths)
2.99%0%
27
months
0%
6
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 Purchase
2.99%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).
MBNA
Everyday Credit Card
2.99%0%
18
months
0%
8
months
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).
M&S Bank
M&S Credit Card
2.99%0%
12
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).
Vanquis
The Visa Card
2.99%
---
---
---
---
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.
Barclaycard
Platinum Low BT Fee
2.99%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).
Aquis
Visa Card
2.99%
---
---
---
---
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).
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.
American Express
 
Platinum Cashback Credit Card
2.99%
---
---
14%
0
months
18.7%
Representative Example: The annual purchase rate is 14% p.a.(variable) so if you spend £1,200 your representative APR will be 18.7% (variable)+£25 fee p.a
5% cashback for first 3 months, then 1.5% thereafter.
British Airways
BA American Express Credit Card
2.99%
---
---
---
---
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).
3,000 bonus Avios when £500 is spent in the first 3 months
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.
British Airways
BA American Express Premium Plus Credit Card
2.99%
---
---
---
---
56.4%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 56.4% (variable)+£150 fee p.a
18,000 Avios when £3,000 is spent in the first 3 months.
MBNA
Rate for Life
2.99%5.9%Unlimited
---
---
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).
Barclaycard
Initial Credit Card
2.99%
---
---
0%
3
months
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).
Receive £10 cashback when you spend a minimum of £200 in the first 3 months of opening your account (t&c's apply)
Barclaycard
Gold Credit Card
2.99%0%
12
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).
Do you have an average credit history, not excellent?
Barclaycard
Platinum With BT (18 Mths)
2.99%0%
18
months
0%
3
months
24.9%
Representative Example: The annual purchase rate is 24.9% p.a.(variable) so if you spend £1,200 your representative APR will be 24.9% (variable).
0% interest on balance transfers for 18 months from account opening (2.9% handling fee applies)
Barclaycard
Freedom Rewards
2.99%0%
9
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).
Get 17,500 Freedom bonus points worth £50 when you spend £500 or more in your first three months.
Barclaycard
Business Balance Transfer Card
2.99%0%
22
months
0%
3
months
18.9%
Representative Example: If you spend £1,500 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
0% interest on balance transfers for 22 months (from account opening). Only 2.5% balance transfer handling fee.
Barclaycard
High 5 Cashback Card
2.99%0%
9
months
---
---
24.8%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 24.8% (variable)+£24 fee p.a
Barclaycard
Cashback Business Credit Card
2.99%
---
---
0%
3
months
25.1%
Representative Example: If you spend £1,500 at a purchase interest rate of 19.9% (variable) with a £32 annual Fee your Representative APR will be 25.1% (variable).
Up to 3% cashback on business spend. Earn up to £400 a year in cashback.
Barclaycard
Platinum Simplicity
2.99%
---
---
---
---
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).
Barclaycard
Visa Platinum Business Card
2.99%
---
---
---
---
28.6%
Representative Example: If you spend £1,500 at a purchase interest rate of 15.2% (variable) with a £78 annual Fee your Representative APR will be 28.6% (variable).
Wherever you travel for business, enjoy peace of mind with the cashflow support and insurance protection you want. Enhanced travel insurance only available through our Visa Platinum card.
MBNA
More Rewards Credit Card
---
---
---
---
---
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).
Double points for the first 90 days from account opening. 2 points for every pound you spend thereafter on the American Express card; 1 point for every pound you spend thereafter on the Visa card.
Full Results
SAV Credit Ltd
aqua Advance Card
0%
---
---
---
---
34.9%
Representative Example: The annual purchase rate is 34.9% p.a.(variable) so if you spend £1,200 your representative APR will be 34.9% (variable).
Simply keep to your credit limit, make repayments when due and watch your interest rate drop to 19.9% APR (variable).
Post Office
Credit 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 made overseas.
Nationwide
Select Credit Card (Online)
0%0%
20
months
0%
12
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).
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%
---
---
---
---
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%
---
---
---
---
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
0%
---
---
---
---
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%
---
---
---
---
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).
Metro Bank
Business Credit Card
0%
---
---
---
---
13%
Nationwide
Select Credit Card
0%0%
20
months
0%
12
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
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).
SAV Credit Ltd
aqua Reward Card
0%
---
---
---
---
34.9%
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).
Nationwide
Credit Card (Balance Transfer - Online)
2%0%
20
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%
---
---
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
Credit Card (Balance Transfer)
2%0%
20
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).
Shout
Visa
2.5%No introductory rate
---
No introductory rate
---
627%
Representative Example: If you spend £300 on a purchase transaction at the start of your agreement, and incur total monthly charges of £540 over a period of 20 months your representative APR will be 627% (variable).
The NEW shout Visa Credit Card. For people who want credit to be simple, clear and affordable
Tesco Bank
Clubcard Credit Card for Balance Transfers
2.75%0%
25
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).
Tesco Bank
Clubcard Credit Card for Purchases
2.75%0%
9
months
0%
16
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).
NatWest
Platinum Card (Online)
2.75%0%
26
months
0%
6
months
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 MasterCard
2.75%
---
---
---
---
34.9%
Representative Example: 34.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 34.94% p.a. variable.
The minimum payment is an amount equal to the total of (i) 1% of the outstanding balance on your account; (ii) interest applied to your account in that month; and (iii) all Default Sums incurred in that month.
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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.

Credit Card Comparison