Compare travel credit cards

Jetting off abroad and want to use a credit card? Take a look at our best travel credit cards which offer no transaction fees and a range of interest rates to see if there is one right for you.

  • Compare credit cards from leading providers
  • Earn travel rewards
  • Apply in minutes

Find and compare the cards available to you

without affecting your credit score

Compare travel credit cards from leading providers

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

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How to compare travel credit cards

1

Compare credit cards

Use our table of offers to find a credit card that offers all the features you need with the lowest fees and interest rates.

2

Check your eligibility

Carefully review your chosen card's terms to make sure you fit its eligibility criteria, then get your proof of ID ready.

3

Apply for the card you want

Click "view deals" and fill out the application form on the provider's website. Then sit back and wait for a reply.

Travel credit cards

3 results found, sorted by lowest representative apr. How we order our comparisons.
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Barclaycard Rewards Credit Card
Foreign transactions
No fee & 22.9% interest p.a. variable
Foreign cash withdrawals
22.9% p.a. variable
Representative APR (variable)
22.9% APR
Barclaycard Rewards Credit Card
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
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% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Digital Credit Card
Bip Credit
Foreign transactions
No fee & 29.95% interest p.a. variable
Foreign cash withdrawals
29.95% p.a. variable
Representative APR (variable)
29.9% APR
Bip Credit
Digital credit card with instant balance updates, no hidden fees and spend caps set by you.
Representative Example: The standard interest rate on purchases is 29.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.9% (variable).
Eligibility
CCJs Allowednot in last 12 months
Credit Ratingpoor
History of Bankruptcynot in last 18 months
Minimum Age18 years
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

What’s a travel credit card?

If you’re going abroad on a trip, travel credit cards can be a good way to spend while you’re there. Travel credit cards work just like a standard credit card, but they don’t charge hefty fees for using them abroad like many standard credit cards do. You pay for purchases on your card, and then pay the balance back later.

Some travel credit cards might also let you take cash out while you’re abroad without paying a fee, although these are rare.

You can use an international credit card in most shops, restaurants or other businesses, or in ATMs.

Many businesses have signs to advertise which credit cards they accept. You’ll know you can use your card if you can spot its logo on display.

How to find the best travel credit card for you

Finding the best credit card to use abroad will depend on your financial circumstances, and how you plan to use your credit card while outside the UK. When comparing travel credit cards, it’s worth considering the following:

  • How long you'll be abroad for

  • If you'll be making any large purchases

  • Whether you'll need to withdraw cash

  • If you will be able to pay off your credit card each month.

How much do travel credit cards cost?

How much a credit card charges depends on the kinds of fees it charges. Different credit cards come with different features and fees.

Here are some of the fees you might come across when using a credit card abroad:

Credit card foreign transaction fees

When using a regular credit card abroad, you’ll likely pay a transaction fee. This is usually a percentage of what you’re spending. For example, if your transaction fees are 2.5% and you spend £300 on your credit card, you’ll have to pay your credit card provider £7.50 in fees. Thankfully, all of the results in our table above have no fees so you’ll never be charged for transactions abroad.

Cash withdrawal fees abroad

These are the fees you’ll pay for taking money out at the ATM. Cash withdrawal fees are usually charged as a percentage of what you withdraw. For example, if your cash withdrawal fees are 5%, and you take £200 out of a cashpoint abroad, you’ll be charged £10 for doing so.

Interest on cash withdrawals from travel credit cards

Similar to regular credit cards, travel credit cards charge interest on cash withdrawals. Usually you start paying interest from the day you take the cash out, and you continue until you’ve paid off the balance. The interest rate is usually higher than your annual percentage rate (APR).

Read our guide on withdrawing cash with your credit card here.

Can you get free cash withdrawals abroad?

Some travel credit cards let you take cash out while you’re abroad without paying a fee, although it’s rare. If you think you’ll want to visit an ATM on holiday, it’s worth checking this out when you compare credit cards to use abroad

How are foreign exchange rates charged?

The company that processes your card transactions sets the exchange rate that you’ll get for converting pounds to the local currency. This will affect how good a deal you get. These companies include Visa, MasterCard, and American Express.

When comparing travel credit cards, try to find one that gives you one or more of the following benefits: no foreign transaction fees; no cash withdrawal fees; and/or a lower interest rate on cash withdrawals.

Here’s some more information on how much using your credit card abroad could cost. Travel credit cards also come with all the same charges that other credit cards have, like interest or fees.

What alternatives are there to travel credit cards?

If you’re going abroad, of course you can take cash or your debit card, but another good option is to get yourself a prepaid travel card before you go.

Travel credit card vs prepaid travel card

A travel credit card is a way of borrowing money, so you can spend more than you have. This might help you to make the most of your holiday. However, a prepaid travel card is a safer way to spend money abroad because it’s pre-loaded, you can’t overspend and go into debt, so it’s great for budgeting purposes.

In the table above, you’ll be able to find travel cards with no foreign transaction fees. Plus, exchange rates on a travel credit card are usually pretty competitive. Sometimes a travel credit card can also give you special rewards when you spend, such as cashback, travel incentives or vouchers.

But the downside of a travel credit card is that you might find they have higher interest rates and monthly or annual fees. Plus, not everybody is guaranteed to be accepted when they apply for a travel credit card.

With a prepaid card, it the card is lost or stolen, your provider can cancel it quickly and easily. They’re accepted globally and can often be a cheaper way to spend abroad.

But what’s great is that everybody can get a prepaid travel card, whatever their credit history.

Foreign transaction fees FAQs

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Why compare credit cards with money.co.uk?

Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

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Last updated: 29 March, 2022