Cards like Halifax Clarity

The Halifax Clarity card is almost synonymous with fee-free spending overseas, but there are plenty of good alternatives.

Last updated:

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 out 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

Table: sorted by representative APR, promoted deals first
Updated August 24th, 2019
Name Product Foreign usage charge (EU) Foreign usage charge (rest of world) Annual/monthly fees Rep. APR Incentive Representative example
0%
0%
£0
9.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
0%
0%
£0
9.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
0%
0%
£0
24.9% p.a. (variable)
No fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
0%
0%
£0
9.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
0%
0%
£0
9.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).

Compare up to 4 providers

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

Simplify your finances with all your cards in one.

  • 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
  • Download Curve for free in 2 minutes

Promoted

We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When you make major financial decisions, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site