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
PurchasesCash WithdrawalsRepresentative APR (variable)
0% for 3 months24.9% p.a.
2.5% fee (min £3)
17.8% APR
0% commission on purchases made overseas.
Representative Example: The standard interest rate on purchases is 17.8% p.a. (variable). So if you borrow £1,200 the Representative APR will be 17.8% APR APR (variable).
Aqua Advance Card
PurchasesCash WithdrawalsRepresentative APR (variable)
-34.9% p.a.
3% fee (min £3)
34.9% APR
Simply keep to your credit limit, make repayments when due and watch your interest rate drop to 19.9% APR (variable).
Representative Example: The standard interest rate on purchases is 34.92% p.a. (variable). So if you borrow £1,200 the Representative APR will be 34.9% APR APR (variable).
Lloyds Bank Avios Rewards Credit Card
PurchasesCash WithdrawalsRepresentative APR (variable)
0% for 16 months18.9% p.a.
3% fee (min £3)
23.7% APR
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 standard interest rate on purchases is 18.94% p.a. (variable), £24 annual fee. So if you borrow £1,200 the Representative APR will be 23.7% APR APR (variable).
Aqua Reward Credit Card
PurchasesCash WithdrawalsRepresentative APR (variable)
-40.0% p.a.
3% fee (min £3)
34.9% APR
Representative Example: The standard interest rate on purchases is 34.91% p.a. (variable). So if you borrow £1,200 the Representative APR will be 34.9% APR APR (variable).
Lloyds Bank Premier Avios Rewards Credit Card
PurchasesCash WithdrawalsRepresentative APR (variable)
0% for 16 months18.9% p.a.
3% fee (min £3)
52.1% APR
No foreign transaction fees.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), £140 annual fee. So if you borrow £1,200 the Representative APR will be 52.1% APR APR (variable).
Saga Platinum Credit Card
PurchasesCash WithdrawalsRepresentative APR (variable)
0% for 9 months19.6% p.a.
2% fee (min £2)
11.9% APR
0% foreign exchange fees on transactions worldwide.
Representative Example: The standard interest rate on purchases is 11.3% p.a. (variable). So if you borrow £1,200 the Representative APR will be 11.9% APR APR (variable).
Nationwide Select Credit Card
PurchasesCash WithdrawalsRepresentative APR (variable)
0% for 15 months27.9% p.a.
2.5% fee (min £3)
15.9% APR
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 standard interest rate on purchases is 15.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 15.9% APR APR (variable).
Nationwide Select Credit Card (15/15)
PurchasesCash WithdrawalsRepresentative APR (variable)
0% for 15 months27.9% p.a.
2.5% fee (min £3)
15.9% APR
Representative Example: The standard interest rate on purchases is 15.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 15.9% APR APR (variable).
Creation Everyday Card
PurchasesCash WithdrawalsRepresentative APR (variable)
-12.9% p.a.
0% fee (min £0)
12.9% APR
Representative Example: The standard interest rate on purchases is 12.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 12.9% APR APR (variable).
Halifax Rewards Clarity Credit Card
PurchasesCash WithdrawalsRepresentative APR (variable)
-13.0% p.a.
0% fee (min £0)
12.9% APR
Representative Example: The standard interest rate on purchases is 12.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 12.9% APR APR (variable).
Halifax Clarity Credit Card
PurchasesCash WithdrawalsRepresentative APR (variable)
-13.0% p.a.
0% fee (min £0)
12.9% APR
Representative Example: The standard interest rate on purchases is 12.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 12.9% APR APR (variable).
Metro Bank Personal Credit Card
PurchasesCash WithdrawalsRepresentative APR (variable)
-12.3% p.a.
0% fee (min £0)
13.0% APR
Representative Example: The standard interest rate on purchases is 13% p.a. (variable). So if you borrow £1,200 the Representative APR will be 13.0% APR APR (variable).
Metro Bank Business Credit Card
PurchasesCash WithdrawalsRepresentative APR (variable)
-12.3%13.0% APR
Representative Example: The standard interest rate on purchases is 13% p.a. (variable). So if you borrow £1,200 the Representative APR will be 13% APR (variable).
Post Office Classic Card
PurchasesCash WithdrawalsRepresentative APR (variable)
0% for 3 months27.9% p.a.
2.5% fee (min £3)
22.9% APR
Representative Example: The standard interest rate on purchases is 22.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 22.9% APR APR (variable).

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Can You Get Credit Cards with No Foreign Transaction Fees?

by DaisyLill

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 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 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