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Travel credit cards

Unfortunately, most debit and credit cards charge additional fees when used abroad. These could include foreign loading fees which are supposed to cover exchange rates or one-off fees to cover “administration” costs. When you're on holiday you can avoid these hidden charges by getting a credit card that doesn't have these foreign usage fees. The cards below all offer lower or even no fees when using your card abroad.

Provider Purchases intro period & rate Foreign Exchange Fee Rewards Representative APR Likelihood of acceptance Actions
Travel cards

Post Office

Post Office Ltd Post Office Logo

3 months 0% interest on purchases

0.00% No rewards

17.8% APR

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Representative Example: Representative 17.8% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.8% (variable) annual.
0% commission on purchases overseas plus no cash advance fee on travel money

Post Office Classic Card

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3 months 0% interest on purchases

0.00% No rewards

22.9% APR

Representative Example: Representative 22.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 22.9% (variable) annual.

Lloyds Bank Premier Avios Rewards Credit Card

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13 months 0% interest on purchases

0.00% No rewards

50.8% APR

Representative Example: Representative 50.8% APR variable. Based on £140 annual fee assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.
Flight Upgrade Voucher with annual spend of £5000

Lloyds Bank Avios Rewards Credit Card

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13 months 0% interest on purchases

0.00% No rewards

22.7% APR

Representative Example: Representative 22.7% APR variable. Based on £24 annual fee, assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.
Upgrade to Business Class when you spend £7000 a year

Lloyds Bank Avios Rewards Credit Card

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13 months 0% interest on purchases

0.00% Avios points

22.7% APR

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Representative Example: Representative 22.7% APR variable. Based on £24 annual fee assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.
Flight Upgrade Voucher with annual spend of £7000

Lloyds Bank Premier Avios Rewards (Amex)

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13 months 0% interest on purchases

0.00% No rewards

50.8% APR

Representative Example: Representative 50.8% APR variable. Based on £140 annual fee, assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.

Premier Avios Rewards Credit Card (MCard)

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13 months 0% interest on purchases

0.00% No rewards

50.8% APR

Representative Example: Representative 50.8% APR variable. Based on £140 annual fee, assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.

Lloyds Bank Avios Rewards Credit Card (MCard)

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13 months 0% interest on purchases

0.00% No rewards

22.7% APR

Representative Example: Representative 22.7% APR variable. Based on £24 annual fee, assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.

Lloyds Bank Premier Avios Rewards (MCard)

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13 months 0% interest on purchases

0.00% No rewards

50.8% APR

Representative Example: Representative 50.8% APR variable. Based on £140 annual fee, assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.

Saga Platinum

Saga Saga Platinum Logo

9 months 0% interest on purchases

0.00% No rewards

11.9% APR

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Representative Example: Representative 11.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 11.3% (variable) annual.
Available to customers over 50. No fee when spending abroad

Halifax Rewards Clarity Credit Card

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No 0% intro

0.00% No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 12.95% (variable) annual.

Halifax Clarity Credit Card

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No 0% intro

0.00% No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 12.95% (variable) annual.

Metro Bank Personal Credit Card

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No 0% intro

0.00% No rewards

13.0% APR

Representative Example: Representative 13% APR variable. Based on assumed borrowing of £1200. Rate of interest 13% (variable) annual.

Capital One Classic Extra

Capital One Classic Extra Logo

No 0% intro

0.00% 0.5% cashback

34.9% APR

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Representative Example: Representative 34.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 34.94% (variable) annual.
Build your credit rating while earning 0.5% cashback on everything you buy

aqua Advance

aqua aqua Advance Logo

No 0% intro

0.00% No rewards

34.9% APR

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Representative Example: Representative 34.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 34.9% (variable) annual.
Reduce your rate from 34.9% APR variable to 19.9% APR variable

MBNA More Rewards Credit Card

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No 0% intro

2.99% No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 12.9% (variable) annual.

aqua Rewards

aqua aqua Rewards Logo

No 0% intro

0.00% 0.5% cashback

34.9% APR

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Representative Example: Representative 34.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 34.91% (variable) annual.
Build your credit rating while earning 0.5% cashback on everything you buy
 

Your guide to credit cards

  • Things to consider
  • The benefits
  • The drawbacks
  • Travel credit cards for use abroad explained
  • Alternative cards
  • Which providers offer travel cards?

Credit cards terms

  • Annual fee
  • Foreign usage fee
  • Withdrawal limit
  • Purchases
  • Cash advance
  • Credit limit