A travel credit card could save you money if you plan to spend on your card abroad, or need a low cost back up in case you spend all your travel money on holiday.

Travel credit cards come with varying fees and costs, so make sure you compare them to find the best one for your trip.

Travel credit card FAQs

Q

Is it really free to spend with travel credit cards abroad?

A

No, you could face interest charges on what you spend. To avoid interest, repay your balance when you get your next credit card statement.

Q

Do I get section 75 protection abroad?

A

If you spend between 100 and 30,000 on your credit card in a single purchase abroad then section 75 will cover you. Find out more here.

Q

Should I tell my bank I'm going to use my card abroad?

A

Yes, just call and let them know so they don't block your card overseas. Some banks let you do this when you log into your online banking.

Q

How many cards should I bring abroad?

A

You should bring the cards you know you'll spend on, such as your travel credit card, but you could bring an extra card as an emergency too.

Q

Can I withdraw cash from a travel credit card?

A

Yes, but you will face a cash advance fee and daily interest. Try and avoid this if possible, but know you can withdraw cash in an emergency.

What are the alternatives?

  • Travel money: You could take enough foreign currency to cover you for your whole trip. To help you take enough, work out how much you want to spend each day and try and stick to this budget.

  • Travel prepaid card: You can add or transfer money onto this type of card, which you can then spend abroad. Some even let you withdraw cash for free abroad too. You can only spend what you top up on the card.

  • Debit card: You could use your debit card to withdraw cash on holiday, or for card transactions. but you may get charged for both. Check with your bank or building society before you travel to find out how much it could cost you.