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Compare Our Top-Rated Travel Credit Cards

Updated: 22nd July 2021

Travel credit cards that don’t charge a foreign transaction fee are great while adventuring abroad because the fewer unnecessary fees you pay while on holiday, the more holidays you can afford. However, most credit cards charge a fee of up to 3% when you swipe them while travelling abroad. That can really add up over the course of a holiday!

To help you save money while abroad, we’ve assembled our top-rated travel credit cards that don’t charge you extra when you’re spending abroad. Say goodbye to those fees of up to 3%.

On this page, you’ll find our top picks along with more information about travel cards and how to choose the best one for your needs.

Hero Tips: Must knows when using travel credit cards

  1. Save with every swipe while on holiday

    Travel credit cards don't charge a foreign transaction fee when you use them abroad. That can save you as much as 3% on your purchases while on holiday.

  2. Be sure to pay in local currency

    When spending abroad, retailers may ask if you'd like to pay in pound sterling or local currency. If you're using a travel credit card, chose to pay in local currency. If you choose to pay in pound sterling, you will be subject to whatever exchange rate the retailer's credit-card processor offers... and that rate usually isn't very good!

  3. Having a separate travel credit card may be a good move

    Travel cards are great on holiday, but often aren't as great when spending at home. Many travel cards that we've reviewed don't offer any particular benefit when using them at home. Instead, consider using a rewards or cashback credit card while at home, and having a travel card for spending abroad.

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Here are MyWalletHero's top-rated travel credit cards

Credit card offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

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Great for: 0% offers, cashback and travel benefits in one card
4.5 stars question mark
Santander All in One credit card in black
Read full review     Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

A highly multi-functional card that should serve a wide variety of users. The All in One card offers 26-month 0% periods on balance transfers and 20 months 0% on purchases. During the promotional period, there’s no balance transfer fee – a very nice benefit.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 26 months from account opening on balance transfers
  • No balance transfer fee
  • 0% interest for 20 months from account opening on purchases
  • 0.5% cashback on all purchases
  • No foreign transaction fee (if you pay in local currency)
  • Special cashback offers of up to 15% with Retailer Offers (you must sign up for this)
  • ** The fee for this card is £3 per month, charged monthly (£36 in total annually)
  • Note: You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a guaranteed annual income of £7,500 or more (before tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

REPRESENTATIVE EXAMPLE

17.9% p.a. (variable) on card purchases. This is equivalent to 23.7% APR representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £3.

 

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 0% interest for 26 months from account opening on balance transfers
  • 0% interest for 20 months from account opening on purchases
  • 0.5% cashback on all purchases
  • No balance transfer fee
  • ANNUAL FEE:

    £36**
  • REPRESENTATIVE APR:

    23.7%
  • INTRO OFFER:

    0% interest for 26 months from account opening on balance transfers

    0% interest for 20 months from account opening on purchases

KEY SCORES:

  • 5/5 Perks
  • 5/5Fees
  • 2/5APR

HIGHLIGHTS

  • 0% interest for 26 months from account opening on balance transfers
  • No balance transfer fee
  • 0% interest for 20 months from account opening on purchases
  • 0.5% cashback on all purchases
  • No foreign transaction fee (if you pay in local currency)
  • Special cashback offers of up to 15% with Retailer Offers (you must sign up for this)
  • ** The fee for this card is £3 per month, charged monthly (£36 in total annually)
  • Note: You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a guaranteed annual income of £7,500 or more (before tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

REPRESENTATIVE EXAMPLE

17.9% p.a. (variable) on card purchases. This is equivalent to 23.7% APR representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £3.

 

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Low APR and no foreign transaction fees
4 stars question mark
NatWest Reward credit card
Apply Now!

On NatWest's Secure Website

* Affiliate partner

Where the NatWest Credit Card excels is being that solid, take-everywhere card. With a low standard APR for qualified applicants, and no foreign transaction fees, this card can find a place in many peoples’ wallets. However, if you’re looking for rewards, cashback or a sign-up bonus, you’ll have to look elsewhere.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • Low APR of 9.9% p.a. (variable) for qualified applicants
  • No fees on foreign transactions
  • No balance-transfer fees
  • Even lower balance-transfer rate of 6.9% (variable) for qualified applicants
  • No annual fee
  • To apply, you must be 18+, earning at least £10,000 per year and a UK resident

REPRESENTATIVE EXAMPLE

Purchase rate 9.9% p.a. (variable)
Representative APR 9.9% (variable)
Assumed credit limit £1,200
Annual fee £0

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

what we like

  • Low standard APR
  • No foreign-transaction fees
  • No balance-transfer fees
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    9.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1/5 Perks
  • 5/5Fees
  • 5/5APR

HIGHLIGHTS

  • Low APR of 9.9% p.a. (variable) for qualified applicants
  • No fees on foreign transactions
  • No balance-transfer fees
  • Even lower balance-transfer rate of 6.9% (variable) for qualified applicants
  • No annual fee
  • To apply, you must be 18+, earning at least £10,000 per year and a UK resident

REPRESENTATIVE EXAMPLE

Purchase rate 9.9% p.a. (variable)
Representative APR 9.9% (variable)
Assumed credit limit £1,200
Annual fee £0

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

Great for: Low APR and no foreign transaction fees
4 stars question mark
Apply Now!

On Royal Bank of Scotland's Secure Website

* Affiliate partner

The Royal Bank Credit Card loses some ratings points because of what’s not there — no rewards, 0% offers, etc. But thanks to the low standard APR for qualifying applicants, and no foreign transaction fees, this is still a very solid card, especially for travellers.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • Low APR of 9.9% p.a. (variable) for qualified applicants
  • No fees on foreign transactions
  • No balance transfer fees
  • Even lower balance transfer rate of 6.9% p.a. (variable) for qualified applicants
  • No annual fee
  • To apply, you must be 18+, earning at least £10,000 per year and a UK resident

REPRESENTATIVE EXAMPLE

Purchase rate 9.9% p.a. (variable)
Representative APR 9.9% (variable)
Assumed credit limit £1,200
Annual fee £0

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

what we like

  • Low standard APR
  • No foreign transaction fees
  • No balance transfer fees
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    9.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1/5 Perks
  • 5/5Fees
  • 5/5APR

HIGHLIGHTS

  • Low APR of 9.9% p.a. (variable) for qualified applicants
  • No fees on foreign transactions
  • No balance transfer fees
  • Even lower balance transfer rate of 6.9% p.a. (variable) for qualified applicants
  • No annual fee
  • To apply, you must be 18+, earning at least £10,000 per year and a UK resident

REPRESENTATIVE EXAMPLE

Purchase rate 9.9% p.a. (variable)
Representative APR 9.9% (variable)
Assumed credit limit £1,200
Annual fee £0

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

Great for: controlling and monitoring spending and repayments
4 stars question mark
Tymit Credit Card - Visa Credit
Read full review     Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

The main feature of this card is that it lets you spread the cost of your purchases over 3, 6, 12, 24 and 36 months. You only pay interest on the purchases you put into instalments, not on your entire balance. The 3-month plan attracts no interest while the others have an APR ranging from 15.1%-29.7%.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • Credit limit of £500-£15,000
  • APRs of 15.1%-29.7% for purchases repaid over 6 to 36 monthly instalments
  • You can manage your instalment plan through the app, and see interest charges or costs in advance
  • Interest is on instalments only and not on entire balance
  • Free spending abroad (no foreign transaction fee)
  • No cash withdrawal fees, up to £200 per month
  • No charges for going over your limit and no penalty for first late payment
  • *The card’s representative APR for purchases repaid over 6 to 36 monthly instalments is 19.8%

REPRESENTATIVE EXAMPLE

Representative rate 19.8% APR (variable)
Purchase rate 0% p.a. (variable)
Assumed credit limit £1,200

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

what we like

  • Ability to spread purchases over up to 36 months
  • 0% interest on purchases paid in less than 3 months
  • No annual and foreign transaction fees
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.8%*
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 3.5/5 Perks
  • 5/5Fees
  • 4/5APR

HIGHLIGHTS

  • Credit limit of £500-£15,000
  • APRs of 15.1%-29.7% for purchases repaid over 6 to 36 monthly instalments
  • You can manage your instalment plan through the app, and see interest charges or costs in advance
  • Interest is on instalments only and not on entire balance
  • Free spending abroad (no foreign transaction fee)
  • No cash withdrawal fees, up to £200 per month
  • No charges for going over your limit and no penalty for first late payment
  • *The card’s representative APR for purchases repaid over 6 to 36 monthly instalments is 19.8%

REPRESENTATIVE EXAMPLE

Representative rate 19.8% APR (variable)
Purchase rate 0% p.a. (variable)
Assumed credit limit £1,200

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

Great for: 0% interest for Nationwide customers
4.5 stars question mark

If you are looking for a credit card that offers a wide range of features, the Nationwide Select Credit Card is likely to be appealing. It has a 12-month introductory 0% interest rate on purchases and balance transfers, as well as no balance transfer fee. Although there are longer 0% interest rate periods available elsewhere, the card’s lack of foreign exchange fees could help it stand out from its rivals. Note though that it is only available to existing customers of Nationwide who have their main current account with the provider.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers
  • No balance transfer fee
  • No annual fee
  • No foreign transaction fees
  • Note: This card is only available to Nationwide current account customers (see issuer for full details)

REPRESENTATIVE EXAMPLE

Representative rate 15.9% APR (variable)
Purchase rate 15.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers
  • No balance transfer fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    15.9%
  • INTRO OFFER:

    0% interest for 12 months on purchases
    0% interest for 12 months on balance transfers

KEY SCORES:

  • 3/5 Perks
  • 3/5Fees
  • 5/5APR

HIGHLIGHTS

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers
  • No balance transfer fee
  • No annual fee
  • No foreign transaction fees
  • Note: This card is only available to Nationwide current account customers (see issuer for full details)

REPRESENTATIVE EXAMPLE

Representative rate 15.9% APR (variable)
Purchase rate 15.9% p.a. (variable)
Based on borrowing £1,200
Great for: Avoiding fees while travelling
4.5 stars question mark

You can use the Santander Zero Credit Card abroad and not worry about being charged fees. It offers the double benefit of no foreign transaction fee and no cash withdrawal fee both in the UK and abroad, making holiday spending with the card easy and relaxed.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No foreign transaction fees
  • No cash withdrawal fees
  • 0% interest on all purchases for 12 months
  • Up to 3 additional cardholders

REPRESENTATIVE EXAMPLE

Representative 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £1,200
Monthly fee £0

what we like

  • No foreign transaction fees
  • No cash withdrawal fees
  • 0% interest on all purchases for 12 months
  • Up to 3 additional cardholders
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    18.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 4.5/5 Perks
  • 5/5Fees
  • 3.5/5APR

HIGHLIGHTS

  • No foreign transaction fees
  • No cash withdrawal fees
  • 0% interest on all purchases for 12 months
  • Up to 3 additional cardholders

REPRESENTATIVE EXAMPLE

Representative 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £1,200
Monthly fee £0
Great for: Travel and low standard interest rate
4 stars question mark

The B Credit Card has no foreign transaction fees or annual fee. This makes it a great potential travel companion, since non-sterling card fees can add up even for infrequent travellers. And while you’re better served paying down your credit card balance, this card also stands out for its low interest rate.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No foreign transaction fees
  • Low 9.9% APR
  • Well-liked app for managing your spending
  • No annual fee
  • 0% balance transfer fee

REPRESENTATIVE EXAMPLE

Representative rate 9.9% APR (variable)
Purchase rate 9.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • No foreign transaction fees
  • Low 9.9% APR
  • Well-liked app for managing your spending
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    9.9%
  • INTRO OFFER:

KEY SCORES:

  • 3/5 Perks
  • 5/5Fees
  • 5/5APR

HIGHLIGHTS

  • No foreign transaction fees
  • Low 9.9% APR
  • Well-liked app for managing your spending
  • No annual fee
  • 0% balance transfer fee

REPRESENTATIVE EXAMPLE

Representative rate 9.9% APR (variable)
Purchase rate 9.9% p.a. (variable)
Based on borrowing £1,200
Great for: No foreign transaction fees plus 0% interest offers
4 stars question mark

This card charges no fees for overseas use, so making spending abroad more affordable, plus it offers 9-month interest-free introductory periods for purchases and balance transfers, so that you can pay for your holiday in the first place. Add to that travel discounts for Virgin Holidays and the offer of cashback on travel insurance, and you have a good all-round travel package.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No foreign transaction fees
  • 0% interest for 9 months on purchases
  • 0% interest for 9 months on balance transfers

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • No foreign transaction fees
  • 0% interest for 9 months on purchases
  • 0% interest for 9 months on balance transfers
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    9 months 0% interest on balance transfers and purchases

KEY SCORES:

  • 4/5 Perks
  • 5/5Fees
  • 2/5APR

HIGHLIGHTS

  • No foreign transaction fees
  • 0% interest for 9 months on purchases
  • 0% interest for 9 months on balance transfers

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on borrowing £1,200
Great for: No fees for spending abroad plus an attractive APR
3.5 stars question mark

The Creation Everyday Credit Card has no foreign transaction fee, which makes it an attractive travel card. And since it lacks an annual fee, it could be a worthwhile travel companion, even for consumers who rarely make international trips. A lack of rewards and offers, though, limits the card’s wider appeal.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No foreign transaction fees
  • No annual fee
  • Online banking to manage your account on the go

REPRESENTATIVE EXAMPLE

Representative rate 12.9% APR (variable)
Purchase rate 12.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • No foreign transaction fees
  • No annual fee
  • Online banking to manage your account on the go
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    12.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1/5 Perks
  • 5/5Fees
  • 5/5APR

HIGHLIGHTS

  • No foreign transaction fees
  • No annual fee
  • Online banking to manage your account on the go

REPRESENTATIVE EXAMPLE

Representative rate 12.9% APR (variable)
Purchase rate 12.9% p.a. (variable)
Based on borrowing £1,200
Great for: Avoiding foreign transaction fees while traveling
3 stars question mark

The Halifax Clarity Credit Card makes an appealing travel card offering. It features no foreign transaction fees and no annual fee, which makes it a simple offering that’s easy on the wallet. Other credit cards, though, may be more suitable for day-to-day use since this card has no cashback, rewards or sign-up bonus.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No foreign transaction fees
  • No annual fee
  • Mobile banking app to manage your account on the go

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.95% p.a. (variable)
Based on borrowing £1,200 over 12 months

what we like

  • No foreign transaction fees
  • No annual fee
  • Mobile banking app to manage your account on the go
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1/5 Perks
  • 5/5Fees
  • 2.5/5APR

HIGHLIGHTS

  • No foreign transaction fees
  • No annual fee
  • Mobile banking app to manage your account on the go

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.95% p.a. (variable)
Based on borrowing £1,200 over 12 months

Frequently Asked Questions

Does my credit card give me travel insurance?

It might! It's best to check with your issuer for full details. They'll be able to not only tell you if your card offers travel insurance, but also how you can access it. In many cases, even if your card offers it, you may need to enrol in the programme to activate the coverage.

Do I need to notify my credit card issuer when travelling abroad?

This used to be an easy 'yes'. Credit card issuers would watch your card for unusual purchases and block your card if one popped up. That could cause a lot of inconvenience if using your credit card abroad, so the best practice was to call your issuer prior to heading overseas on holiday or business. That's changing thanks to smarter algorithms that credit card companies are using. However, it doesn't hurt to ring your issuer prior to departing. If they tell you that it's not necessary, you can note that for the future.

Can I buy travel money with my credit card?

You almost always can pay for travel money with your credit card. But in many cases, you're better off not doing that. Most credit cards will treat a purchase of travel money just like a cash advance. That means that you'll pay a fee and will be charged interest starting from the day of the transaction. There are, however, a select few issuers that don't charge extra fees for buying travel money, and may even provide attractive rates. So check on the details of the specific card before swiping it for that foreign currency.

How can you keep your credit card safe while travelling?

Keeping your credit card in a safe place on your person is probably the best that you can do. While you don't want to make it easy for someone to snatch it, you do need it easy enough to access so that you can actually use it. Don't forget to pick up your card after paying for a meal, and don't let your card out of your sight while it's being used to transact. It's also a good idea to keep the contact numbers for your credit card issuer in a safe place separate from your card. This way, if your card is lost or stolen, you can quickly contact your issuer to let them know, so they can block it from unauthorised transactions.

Which credit card is a good choice for European travel?

If you're heading to Europe in particular, any of the top travel credit cards should serve your needs. Most of Europe uses the Euro, and a credit card that does not charge foreign transaction fees should work perfectly well for paying in Euro for shopping or dining. Of course, it's worth remembering that acceptance of credit cards is not as broad in all countries as it is in the UK. Germany is a good example, where many small shops don't accept card payment.

Learn more

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