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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.

Credit Cards best buy table heading

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No fees on purchases abroad Post Office
18 months
0.0% interest
2.98% 3 months
0.0% interest

no rewards

17.8%
APR
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APR details Card rating

0% commission on purchases overseas plus no cash advance fee on travel money

Representative example: If you spend £1,200 at a purchase rate of 17.8% (variable) your Representative APR will be 17.8% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

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  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

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Saga Platinum
9 months
0.0% interest
3.00% 9 months
0.0% interest

no rewards

11.9%
APR
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APR details Card rating

Available to customers over 50. No fee when spending abroad

Representative example: If you spend £1,200 at an annual interest rate of 11.3% (variable) your Representative APR will be 11.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

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  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

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Nationwide
26 months
0.0% interest
2.40% 3 months
0.0% interest

no rewards

17.9%
APR
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APR details Card rating

Join the 'Rewards for Abroad' scheme to earn your commission-free allowance

Representative example: If you spend £1,200 at a purchase rate of 17.9% (variable) your Representative APR will be 17.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

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  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

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Now with free aqua Credit Checker aqua Advance
no 0% intro
34.9% interest
3.00% no 0% intro
34.9% interest

no rewards

34.9%
APR
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APR details Card rating

Can help build your credit - repay on time and your rate could reduce to 19.9% APR

Representative example: If you spend £1,200 at an annual interest rate of 34.92% (variable) your Representative APR will be 34.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

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Capital One Classic Extra
no 0% intro
34.9% interest
3.00% no 0% intro
34.9% interest

Uncapped cashback

34.9%
APR
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APR details Card rating

Build your credit rating while earning 0.5% cashback on everything you buy

Representative example: If you spend £1,200 at a purchase rate of 34.94% (variable) your Representative APR will be 34.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Nationwide Purchases
no 0% intro
17.9% interest
2.40% 15 months
0.0% interest

no rewards

17.9%
APR
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APR details Card rating

Build up a commission free foreign allowance with Rewards for Abroad

Representative example: If you spend £1,200 at a purchase rate of 17.9% (variable) your Representative APR will be 17.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Nationwide Select
26 months
0.0% interest
2.40% 15 months
0.0% interest

Uncapped cashback

15.9%
APR
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APR details Card rating

Available to new & existing Flex account holders. Plus, 0.5% unlimited cashback.

Representative example: If you spend £1,200 at a purchase rate of 15.9% (variable) your Representative APR will be 15.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 5 stars
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details

Credit cards to take on holiday: help & tips

About travel credit cards

What is a travel credit card?

A credit card that is designed for use abroad will typically be one of the cheapest ways to take money abroad. Many credit cards charge over 2% in transaction fees when you use your card outside of the UK, whereas a card designed for use abroad will not charge this additional fee, which could save you substantial amounts over a holiday.

It’s important when using your card abroad that you pay the balance off in full when you get home, as otherwise any interest you’ll be charged will cancel out the benefits of using the card.

Some debit cards can charge as much as 2.75% transaction fee plus £1.50 for every payment, which can add up to a lot over the course of a holiday.

Which is the best card?

As with all credit cards, it’s impossible to say which is the best card as it’s different for every person and every situation, but there are a few things to take into account when deciding which card is the best for you. Some cards require you to spend a certain amount each month before you earn commission free shopping abroad, whereas other cards charge an annual fee but offer other benefits such as annual travel insurance. It’s worth thinking about how often you’ll use the card and how much you’ll spend in a year to pick the one that fits your lifestyle best.

Which providers offer this type of card?

Several credit card providers offer cards that are great to take abroad, including The Post Office, aqua and Nationwide.

Are there alternatives to a travel credit card?

If you don’t want to take a credit card abroad, or are worried about spending over your holiday budget, you can compare foreign currency and prepaid cards to make sure you're getting the best deal on your travel money.