Cards like Halifax Clarity

Despite what the folks at Halifax would have you believe, the Clarity card, with its representative APR of 19.9%, isn’t the only credit card offering 0% fees for non-sterling transactions.

Cards like Halifax’s Clarity are especially popular as “secondary” credit cards – you might have one card for day-to-day use and another that you use when you’re outside of the country. Just remember that if you take out one of these cards (or indeed the Clarity), when you use it abroad, decline dynamic currency conversion (DCC) – that’s when a merchant offers to charge you in pounds rather than the local currency. If the merchant’s bank converts the currency for you, it’ll be their fee structure and exchange rates that’ll apply.

Alternatives to the Halifax Clarity for overseas spending

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Name	Product	Foreign usage charge (EU)	Foreign usage charge (rest of world)	Purchases	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
NatWest Credit Card		0%	0%	12.9%	£0	12.9% APR (variable)	Go to site Read review		Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	Compare	loading Fetching your data...
The Royal Bank Credit Card		0%	0%	12.9%	£0	12.9% APR (variable)	Go to site Read review		Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	Compare	loading Fetching your data...
Santander All in One Credit Card		0%	0%	0% for 15 months reverting to 21.9%	£3 per month	27.7% APR (variable)	Check eligibility Read review	0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £3 per month, your representative rate is 27.7% APR (variable).	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Black Credit Card		0%	0%	21.9%	£84 per annum. Reward Black Current Account holders: £0 per annum	40.7% APR (variable)	Go to site Read review	Earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	Compare	loading Fetching your data...
NatWest Reward Black Credit Card		0%	0%	21.9%	£84 per annum. Reward Black Current Account holders: £0 per annum	40.7% APR (variable)	Go to site Read review	You'll earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	Compare	loading Fetching your data...
Yonder Credit Card (only for London residents)		0%	0%	27.71%	£0 for the first 3 months, £15 per month thereafter.	64% APR (variable)	Go to site Read review	Welcome offer: First 3 months free membership, thereafter £15 monthly membership fee, plus a sign-up reward of £50 at one of Yonder's partners. Terms apply.	Representative example: When you spend £1,200 at a purchase rate of 27.71% (variable) p.a. with a fee of £15 per month, your representative rate is 64% APR (variable).	Compare	loading Fetching your data...
The Ulster Bank Credit Card Mastercard		0%	0%	12.9%	£0	12.9% APR (variable)	Read review		Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder		0%	0%	0% for 15 months reverting to 19.9%	£0	19.9% APR (variable)	Read review		Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Halifax Clarity Credit Card Mastercard		0%	0%	19.94%	£0	19.9% APR (variable)	Read review	£20 cashback for the 1st purchase made within 90 days of account opening. Available to accounts opened from 9th May 2023. Terms apply.	Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Nationwide Member Credit Card Balance Transfer		0%	0%	0% for 3 months reverting to 19.9%	£0	19.9% APR (variable)	Read review		Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money Travel Credit Card		0%	0%	0% for 9 months reverting to 23.9%	£0	23.9% APR (variable)	Read review	Enjoy exclusive offers and rewards on the Virgin Red app.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Rewards Visa		0%	0%	25.9%	£0	25.9% APR (variable)	Read review	0.25% after £1 of yearly spend. Cashback paid On request into Card Account. Cashback paid annually or on request. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 25.9% (variable) p.a., your representative rate is 25.9% APR (variable).	Compare	loading Fetching your data...
Tymit Credit Card		0%	0%	0% for 3 months reverting to 29.9%	£0	29.9% APR (variable)	Read review		Representative Example: 29.9% (variable) based on a borrowing of £1200 over 12 months with no annual fee.	Compare	loading Fetching your data...
Bip Credit Card Mastercard		0%	0%	29.95%	£0	29.9% APR (variable)	Read review		Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).	Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card		0%	0%	34%	£0	34% APR (variable)	Read review		Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable).	Compare	loading Fetching your data...
Aqua Advance credit card		0%	0%	34.95%	£0	34.9% APR (variable)	Read review	Reduce your rate over three years if you stay within your credit limit and pay on time. No extra fees on what you spend abroad.	Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
Zopa Credit Card Visa		0%	0%	34.9%	£0	34.9% APR (variable)	Read review		Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard		0%	0%	0% for 24 months reverting to 19.944%	£7.99 per month	37.7% APR (variable)	Read review	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and an enhanced rate of 1 point per £1 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. 1 point = 1p (min 250pts)	Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).	Compare	loading Fetching your data...
Santander World Elite Mastercard		0%	0%	0% for 18 months reverting to 18.9%	£15 per month	49.8% APR (variable)	Read review	0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.0.5% cashback on monthly spend of up to £3,000. Access to over 1 million Wi-Fi hotspots, no foreign transaction fees, discount on travel insurance.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).	Compare	loading Fetching your data...

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Further options

A small number of digital-only banks like Curve and Revolut offer alternative ways to get around fees when spending abroad.

With Curve, you can combine multiple bank cards into one – controlled through your Curve card and app. Even if your card issuer charges exchange fees, Curve will convert the currency for you at the standard Mastercard exchange rate. Just be aware that restrictions and limitations do apply – you can read our full guide to Curve to find out if it could be right for you.

Download Curve and save on bank fees

• All your cards in one Curve Card
• Curve works in all the countries that support Mastercard
• Eliminate hidden bank fees when spending abroad
• Get 1% instant cashback from a choice of retailers

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