Compare Credit Cards With No Foreign Transaction Fees

Compare cheap credit cards with no foreign transaction fee side by side & find the best credit cards with no foreign exchange fees so using your card overseas costs less. Our overseas credit card no fees comparison makes it easy to find a cheap no fees abroad credit card so you can get the top no fee credit cards abroad without any hassle.
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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%
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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).
 
Avios Lloyds Bank Rewards Credit Card (Amex)
PurchasesInternational ChargesRepresentative APR
0% for 13 months0%22.7%
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
 
Avios Lloyds Bank Premier Rewards (Amex)
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
 
Avios Lloyds Bank Rewards Credit Card (MCard)
PurchasesInternational ChargesRepresentative APR
0% for 13 months0%22.7%
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
 
Avios Lloyds Bank Premier Rewards (MCard)
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
 
Halifax Rewards Clarity Credit Card
PurchasesInternational ChargesRepresentative APR
-0%12.9%
Representative Example: The annual purchase rate is 12.95% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
 
Halifax Clarity Credit Card
PurchasesInternational ChargesRepresentative APR
-0%12.9%
Representative Example: The annual purchase rate is 12.95% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
 
Lloyds Bank Premier Avios Rewards Credit Card (MCard)
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
 
Metro Bank Personal Credit Card
PurchasesInternational ChargesRepresentative APR
-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
PurchasesInternational ChargesRepresentative APR
-0%13%
Representative Example: 13% APR representative variable. Based on £1,200 credit limit & annual purchase rate 13% p.a. variable.
 
Post Office Classic Card
PurchasesInternational ChargesRepresentative APR
0% for 3 months0%22.9%
Representative Example: The annual purchase rate is 22.9% p.a.(variable) so if you spend £1,200 your representative APR will be 22.9% (variable).
 

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Can You Get Credit Cards with No Foreign Transaction Fees?

In years gone by, foreign currency or travellers cheques were the way everyone carried their money when going overseas, but times have moved on and the ease and convenience of credit cards has taken over.

Airplane And Man Looking Out Of Window

However, while using a credit card abroad is undeniably the simplest option, many holidaymakers have had a nasty surprise when they have returned from their getaway, to find many extra charges and costs added to their bill.

If you don't have a credit card specifically designed to minimise credit card charges abroad, the chances are that using your flexible friend on holiday could cost you a lot more than you bargained for.

We take a look at how to pay on plastic overseas and how to avoid foreign transaction fees.

Check your credit card's fine print

Just because your credit card is very competitive at home, offering low interest rates and great deals, doesn't mean the same will apply overseas.

Unless your provider has specifically taken into account overseas trips, you could find that the same card which is so great in the UK transforms into a cash-hungry beast when you are abroad, gobbling up your hard-earned cash.

Finding a credit card with no foreign transaction fees is vital in order to avoid your holiday costing more than you planned and this may mean taking out a new credit card specifically for your trips.

Using credit cards that don't charge foreign transaction fees will make a significant different to your bill at the end of the month, but you also need to check what exchange rate will be used for overseas purchases.

This might sound like a lot to check but it should be clearly set out in the terms and conditions of the credit card. Some providers don't use the regular exchange rates and instead, cream off a significant chunk of profit by charging more. If this is the case, you need to find another provider, even if the actual foreign currency transaction fees are zero.

Compare the credit card market

Prepaid cards have recently come to the fore, with several being marketed specifically for use overseas, offering not only no transaction charges but also an excellent exchange rate, making them a viable option for many holidaymakers. However, the annual fee which applies to some cards can deter those who only plan on going overseas very occasionally as it can wipe out its cost-effectiveness.

For this reason, finding a credit card with no foreign currency transaction fees as well as a competitive exchange rate is still the best choice for many people. A comparison table could help you identify the best credit card for overseas travel, both in terms of APR and charges.

By taking the time to compare credit card charges abroad you could end up with more money in your pocket which ultimately means more money to enjoy your holiday with!

Our guide 5 rules for using your credit card abroad has more information that you should know about using your card overseas.

Credit Card Comparison

Alternative Credit Cards

You may want to compare the above credit cards with the following.

Nectar Business Credit Card

  • The credit card has a 19.9% representative APR.
  • Customers get minimum trading time of 0 years.
  • Get unlimited maximum annual turnover from Nectar.
  • 0 yearly fee is offered to customers.
  • Representative Example: 19.9% APR representative variable. Based on 1,200 credit limit & annual purchase rate 19.9% p.a. variable.

Barclaycard Visa Platinum Business Card

  • Get 0 minimum annual turnover.
  • Limitless max annual turnover is available with the credit card.
  • Visa Platinum Business Card gives a representative APR of 28.6%.
  • Get a cash credit rate of 26.9% from the Visa Platinum Business Card.
  • 0 yrs minimum trading duration is offered with the credit card.
  • 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).

Lloyds Bank Business Credit Card Ex/C

  • Customers can get representative APR of 22.4%.
  • The Business Credit Card Ex/C has a cash advance rate of 16.3 percent.
  • Lloyds Bank offers minimum trading duration of 1 years.
  • You enjoy 0 minimum yearly turnover.
  • Representative Example: 22.4% APR representative variable. Based on 1,200 credit limit & annual purchase rate 16.3% p.a. variable.

RBS Business Credit Card

  • Get a monthly balance transfer rate of 1.408% from this Business Credit Card.
  • New customers get balance transfer fee of 0%.
  • Standard balance transfer rate of 16.9%.
  • 0 max balance transfer fee is available.
  • 23.2 percent representative APR is offered with the credit card.
  • Unlimited max annual turnover is offered with Business Credit Card.
  • Representative Example: 23.2% APR representative variable. Based on 1,200 credit limit & annual purchase rate 16.9% p.a. variable.

Metro Bank Business Credit Card

  • Business Credit Card gives a cash advance charge of 0.
  • Take advantage of a bal transfer fee of 0% from the credit card.
  • 0 maximum balance transfer fee is offered with Business Credit Card.
  • Take advantage of 0 annual fee from Metro Bank.
  • You get 1.024% mthly balance transfer rate from this Business Credit Card.
  • Representative Example: 13% APR representative variable. Based on 1,200 credit limit & annual purchase rate 13% p.a. variable.

Barclaycard Business Balance Transfer Card

  • The credit card offers a minimum trading period of 0 years.
  • 3 months intro purchase duration is offered with Business Balance Transfer Card.
  • Have the benefit of an initial purchase rate of 0% from the credit card.
  • This credit card gives a representative APR of 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).