Best credit cards to use abroad in 2024

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Name	Product	Finder Score	Foreign transaction fee	Foreign cash transaction fee	Interest-free days on foreign transactions	Interest-free days on foreign cash transactions	Incentive	Representative example	Link
Santander All in One Credit Card		4.5 ★★★★★	0%	3% (min. £3)	Up to 56 days	0 days	0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Every time you spend abroad in the local currency using your Santander debit or credit card between 18 June to 15 September 2024, you'll be entered into a prize draw to win 1 of 18 travel vouchers each worth £5,000 each. T&Cs apply.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	Check eligibility View details Compare	loading Fetching your data...
Yonder Credit Card Finder Award		4.5 ★★★★★	0%	0%	0 days	0 days	First month free for new members, £15 p/m thereafter. Plus, 10,000 bonus points. Earn 5 points per £1 spent and up to 25 points per £1 at selected partners. Membership includes worldwide travel insurance, no FX fees and use your points towards any flight.	Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).	Check eligibility View details Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card		3.6 ★★★★★	0%	5%	Up to 51 days	Up to 51 days		Representative example: When you spend £1,200 at a purchase rate of 49% (variable) p.a., your representative rate is 49% APR (variable).	Check eligibility View details Compare	loading Fetching your data...
Yonder 'No Fee' Credit Card Finder Award		4.0 ★★★★★	0%	0%	0 days	0 days		Representative example: When you spend £1,200 at a purchase rate of 32.9% (variable) p.a., your representative rate is 32.9% APR (variable).	Check eligibility View details Compare	loading Fetching your data...
Santander Edge Credit Card Mastercard		4.5 ★★★★★	0%	3% (min. £3)	0 days	0 days	2% after £1 of monthly spend. 1% after £1 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.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	View details Compare	loading Fetching your data...
The Royal Bank Credit Card		4.7 ★★★★★	0%	3%	Up to 56 days	0 days		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).	View details Compare	loading Fetching your data...

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Choosing the wrong credit card can be incredibly costly if you get caught by expensive foreign transaction fees when you’re off catching some winter sun or shopping for some last minute gifts from an overseas business. The credit cards featured on this page are specifically designed to avoid costly conversion fees.

Promoted for spending abroad

Santander All in One Credit Card

Check eligibility

29.8% APR representative variable

No foreign transaction fees
Over a year to spread the cost of purchases
Earn 0.5% cashback

Best for travel rewards

Finder Award

Yonder Credit Card

Check eligibility

66.7% APR representative variable

Use your points towards any flights
Stylish design and made out of metal
Earn rewards points on your everyday spending

Best for adverse credit

118 118 Money Guaranteed Rate Card

Check eligibility

49% APR representative variable

Applicants with low credit scores may be eligible
Avoid currency conversion charges when spending abroad
No annual fee

What is a travel credit card?

A travel credit card is simply a credit card that’s specifically designed for overseas use. Unlike standard credit cards, a travel credit card can help you avoid paying hefty foreign transaction fees when you spend or withdraw cash on your credit card abroad.

It’s important not to confuse travel credit cards with airline credit cards which offer rewards such as air miles.

How do travel credit cards work?

A travel credit card works in much the same way as any other credit card. You can spend on your credit card as and when you need to, up to your set credit limit, and then you repay the amount borrowed in flexible monthly repayments. If you don’t pay off the balance in full each month, interest is usually charged.

Where they differ is that travel credit cards won’t charge a foreign transaction fee when you spend on the card overseas. Some also won’t charge a fee when you withdraw cash from an ATM. However, in most cases, interest is still charged on cash withdrawals from the moment you get your cash – even if you pay off your balance in full that month.

The fees you could incur when travelling

There are different fees you could end up paying on your credit card when you travel overseas. These include the following:

• Foreign transaction fee

  (charged by your card issuer)

  Most credit cards in the UK market charge you a fee for every non-sterling transaction. Usually this is between 2% and 3% of the amount spent. For example, if your card had a fee of 3%, and you made a purchase for £100, this would cost you £3 in fees.

  Best way to avoid this fee: Opt for a credit card that doesn’t charge foreign currency conversion fees.

• Foreign cash advance fee

  (charged by your card issuer)

  Withdrawing cash on a credit card at home or abroad is usually a bad idea because you’ll be charged a fee of around 3%. Even cards that bill themselves as specifically designed for travel may still charge this. When abroad, you’ll be charged this fee on top of any foreign transaction fee, which means if you withdraw £100, you could be charged a 3% fee for the cash withdrawal (£3) and a 3% foreign transaction fee (£3), bringing your total charges to £6.

  Note that cash advances are also usually exempt from any interest-free days, which means you’ll be charged interest from the date of the transaction – even if you pay off your balance in full that month. Interest rates are usually higher too.

  Best way to avoid this fee: Look for an ATM that won’t charge you for withdrawing cash.

• Cash machine fee

  (charged by the cash machine provider)

  Some ATMs will also charge you a fee of around £3 for withdrawing cash so make sure you check before carrying out your transaction.

  Best way to avoid this fee: Either don’t use a credit card to withdraw cash or look for machines attached to banks. If the ATM flags that it’s going to charge you a fee, consider looking for another.

• Dynamic currency conversion fee

  (charged by the merchant’s bank)

  Ever been asked by a merchant if you’d like to pay for your goods in sterling rather than the local currency? If you have and you accept, the retailer will do the currency conversion for you but at a less competitive exchange rate. This means you’ll pay more than necessary for your purchase.

  Best way to avoid this fee: Always pay in the local currency.

And a final extra “pro tip”: if you’re an Uber user and you get yourself a dedicated card with no fees on overseas spending, set it up as your default payment option before you go (because you’ll get billed in the local currency).

Here’s a section from a popular credit card’s summary box which serves as an example of how much extra you could pay to use your credit card abroad.

Fee-free exchange rates

Underlying each credit card’s exchange rate is the network’s exchange rate. When you use a Visa card to pay for something in a different currency, Visa’s exchange rate is used. When you use a Mastercard, it’s Mastercard’s exchange rate that applies. Card issuers then normally add their own charge on top of this, but if you’re using a card that doesn’t charge non-sterling transaction fees (like those listed on this page), you’ll enjoy the network’s exchange rates with nothing added on top.

Alternatively, if you’re on Team Amex, here’s our guide to using your American Express card abroad.

How to compare the best credit cards to use abroad

If you’re looking for a credit card to take with you on holiday, you’ll need to consider the following when carrying out your comparison:

• Is there a foreign transaction fee? Look for a credit card that won’t charge you for spending on your credit card abroad. The cards we’ve listed in the table above all waive the foreign transaction fee.
• Is there a foreign cash withdrawal fee? There are a handful of credit cards that also won’t charge you for withdrawing money at a cash machine. If you think you’re likely to withdraw cash abroad, look for a card without fees.
• Will you get interest-free days on foreign transactions? Almost all cards on the UK market offer up to 55 or 56 days where you won’t pay interest on your purchases. But to enjoy this benefit, you must have cleared your balance in the previous billing cycle and you must clear your balance each month. Crucially, while almost all cards offer this benefit, not all extend it to cover non-sterling transactions. You can find this information in a card’s “summary box”
• Is interest charged on cash withdrawals? In the case of almost all UK credit cards, you’ll be charged interest on cash withdrawals from the moment you get your cash, but it’s still worth checking. The Barclaycard Rewards Visa card is the exception here.
• What’s the interest rate? Most travel credit cards do not offer 0% interest deals on purchases, so you’ll need to pay your balance off in full each month to avoid interest charges. Bear in mind that if you have bad credit, you may be offered a higher rate (or your application may be declined).
• Is there an annual fee? Double check whether your card charges an annual fee and whether this is worth paying.
• Are there any additional perks? Check whether your card offers cash back or other travel benefits such as frequent flyer points. A few credit cards might also come with travel insurance, but be aware that these cards usually charge annual fees and might have stricter eligibility criteria.

Looking for a travel debit card instead?

Travel credit cards aren’t for everyone and you typically need to have a pretty healthy credit rating to receive the most competitive rates. With a travel debit card, fee-free overseas spending is still possible, and you won’t have to worry about going into debt (unless you go into an unplanned overdraft).

You can use our guide to compare a range of low or no-fee debit cards.

Need to know when using a credit card overseas

Before you apply for a travel credit card, there are a few key points to be aware of.

For a start, while using a credit card can enable you to side-step sneaky foreign transaction fees, it can also encourage you to spend money you don’t have. If you don’t pay off your balance in full each month (or you withdraw cash on your card), the amount of interest you’ll pay can far outweigh any benefits of using the card itself. For this reason, it’s important to stick to a budget, make sure you don’t overspend and always do your best to clear your balance each month.

If you’re worried about this, you might prefer to use a prepaid currency card or a debit card instead. Some of these cards can also help you to avoid paying foreign transaction fees, but make sure you check first. Prepaid cards can be loaded up with currency before you go on holiday and you can then only spend what’s on the card, making them a good option for budgeting. A debit card lets you spend the money you have in your current account.

Technically, you can add funds to your credit card account before you go on holiday too, and then spend these funds in the same way as a debit card. This can help you to avoid paying interest.

However, card providers don’t take any responsibility for funds you add to your credit card account. So, if your card is lost or stolen and used for unauthorised transactions, you might lose out on valuable funds.
Finally, be aware that while a travel credit card can offer you a good deal while you’re abroad, it might not offer the best solution when you’re back home. For this reason, you might want to keep your travel credit card for overseas spending only, and use a different type of credit card when you’re home.

Pros and cons of using a travel credit card

Compare more travel money options

Bottom line

If you’re a frequent traveller or regularly shop online with international retailers, using a credit card that doesn’t charge foreign transaction fees can save you a lot of money.

When deciding which card is right for you, check exactly what fees you could be charged and whether you will benefit from any perks such as cashback on purchases or reward points.

Keep in mind that even if your card doesn’t charge a fee for cash withdrawals, this type of credit card transaction is usually best avoided as you are likely to be charged interest from the date of the withdrawal.

Once you’ve done your homework, the next step is to use an eligibility checker to find out which cards you’ll get approved for. If you haven’t done so already, it’s worth checking your credit score and report first so that you know how likely you are to get accepted. The better your credit score, the higher your chances of acceptance.

Frequently asked questions

• Will I get Section 75 protection on overseas spending?

  Yes, Section 75 applies to transactions made overseas as well as in the UK. This means that if you buy something that turns out to be faulty or the retailer goes out of business, you should get your money back.

• What exchange rate will I get?

  When you use your credit card to pay for something in a different currency, your provider will exchange at the Visa, Mastercard or American Express wholesale rate. These are usually close to the rates used by the currency markets.

• Can I get a travel credit card with poor credit?

  Possibly, yes. Although you won’t have access to every credit card on the market, some providers are more lenient and will accept borrowers with lower credit scores. Bear in mind that the interest rate offered is likely to be higher, making it more important to clear your balance each month.

• Do I have to tell my bank if I'm going abroad?

  Although its not always required, it’s always good to let your credit card provider know incase they decide to block your card. You can usually do this through your provider’s app or contacting customer services.

Using a credit card in specific countries

To make sure you get accurate and helpful information, this guide has been edited by Joselle Delos Reyes as part of our fact-checking process.

Written by

Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise

Chris has written 612 Finder guides across topics including:

• Loans & credit cards
• Building credit
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Co-written by

Rachel Wait

Writer

Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time. See full bio