About Travel cards
Choosing the right option when buying on holiday could save you a small fortune on fees and help make sure your trip doesn't end up costing the earth.
The best perks include commission-free purchases abroad, cashback on spending, and lower interest rates.
The cards below are ordered by interest rate (APR).
What is a travel credit card?
Travel credit cards are cards specifically designed for spending abroad – they can help you avoid expensive fees incurred by using an everyday credit card on holiday.
Certain travel credit cards won’t charge extra for making an overseas purchase in a foreign currency, or if you’re shopping from home on foreign websites.
Some cards also offer free cash withdrawals, good rates on travel money, and discounts on travel insurance.
Credit cards and overseas spending
Using the wrong credit card when you're on a foreign holiday can prove costly – some cards charge foreign currency loading fees of around 2.75% each time you use your card.
If you withdraw cash on your credit card at a foreign cashpoint, you could find yourself paying an extra 3% on top of the amount you take out.
Interest-free periods don’t apply on cash withdrawal, meaning that you could miss out on the usual 56 day interest-free period you normally get on spending.
Should I get a travel credit card?
This depends on how you normally use your credit card – for example, if you don’t want to take your card abroad, you could consider a pre-paid card.
Safer than carrying cash, these cards work by loading on currency before you travel, allowing you to spend or withdraw cash once you’re away.
Some pre-paid cards charge application fees of around £10, while others come with cash withdrawal fees, top-up charges or fees for a getting a replacement card.