Despite what the folks at Halifax would have you believe, the Clarity card, with its representative APR of 23.9%, isn\u2019t the only credit card offering 0% fees for non-sterling transactions.<\/p>
Cards like Halifax\u2019s Clarity are especially popular as \u201csecondary\u201d credit cards \u2013 you might have a card for day-to-day use and another that you use when you\u2019re 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) \u2013 that\u2019s when a merchant offers to charge you in pounds rather than the local currency. If the merchant\u2019s bank converts the currency for you, it\u2019ll be their fee structure and exchange rates that\u2019ll apply.<\/p>