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Best travel credit cards of 2018

Image source: Getty Images.

Taking your ordinary credit card overseas is an easy way to spend money on holiday, but it comes at a price. Most card issuers slap on a non-sterling transaction fee of 2.95%, costing you £2.95 for every £100 you spend. They also charge 3% on foreign currency cash withdrawals, often with a flat £3 fee on top. So plan ahead and pack one of these three, which we rate among the best travel credit card deals on the market today. They waive all overseas usage charges on purchases, and in some cases on cash withdrawals as well. Make your holiday money travel that much further.


Halifax® Clarity Credit Card

Good for: No-fee foreign cash and spending

One of the best credit card deals for travellers, the long-established Halifax Clarity Credit Crd has no extra charges on purchases and cash withdrawals anywhere in the world (although you do pay interest on cash withdrawals from day one, as on all cards). Halifax reckons users save around £3 when spending €100 compared to standard bank cards, and £5.50 on cash withdrawals. Happy holidays!

0% introductory offers

None

Charges on overseas spending

Zero

Charges on overseas cash withdrawals

Zero

Representative APR

18.95%, subject to status

Credit requirement

Good

Benefits

Zero non-sterling charges on either purchases or cash withdrawals anywhere in the world (interest charged on cash withdrawals)


Creation® Everyday Credit Card

Good for: Travel card with no overseas charges and low APR

Creation Everyday credit cardThis is simply one of the best travel credit card offerings, with no overseas charges on either purchases or cash withdrawals, so you can use your card abroad just as you do at home. Creation Everyday is also one of the simplest credit card deals of all because it charges a low APR of just 12.9% on all your purchases, balance transfers and cash advances. That merits our rating as one of the best credit card deals around today, home or away.

0% introductory offers

None

Charges on overseas spending

Zero

Charges on overseas cash withdrawals

Zero

Representative APR

12.9%, subject to status

Credit requirement

Good

Benefits

No foreign usage charges anywhere in the world on either purchases or cash withdrawals. You pay interest on cash withdrawals but at the same low representative APR of 12.9%


Post Office® Platinum Card

Good for: Free foreign usage plus one of the more generous 0% credit cards

The Post Office Platinum Card is one of the best travel credit card deals around. It waives foreign transaction charges on your overseas spending, and also gives you the benefits of an interest-free credit card. One of the more generous 0% purchase credit cards, you pay zero interest for the first 28 months. You also get a 0% balance transfer credit card benefits for 18 months. You do pay a 2.5% fee on overseas cash withdrawals, charged at a higher APR of 27.9%. However, withdrawing cash on a credit card is never wise, because you start racking up interest charges from the first day.

0% introductory offers

0% interest on spending for first 28 months, 0% on balance transfers for 18 months (2.89% fee)

Charges on overseas spending

Zero

Charges on overseas cash withdrawals

2.50% fee, minimum charge £3

Representative APR

18.9%, subject to status

Credit requirement

Good

Benefits

Combines 0% introductory rate both on purchases and balance transfers, with no foreign usage charges anywhere in the world on purchases. Just avoid making cash withdrawals

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