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Compare travel abroad credit cards

Avoid paying expensive fees for using your credit card abroad with a travel credit card. We compare a range of travel credit cards to help you find a travel card for your needs.

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British Airways American Express® Credit Card

2015 award winner
limited offer Reward Airline Instant Decision No Annual Fee Premium Credit Cards

British Airways American Express® Credit Card

  • 9000 Avios when spending £1000 within the first three months
  • Companion voucher when you spend £20,000 in one year
  • 1 Avios point for every £1 spent
more info
22.9% APR
Representative (variable)
2.99%
Usage fee (Europe)
2.99%
Usage fee (worldwide)
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • have an annual household Income of £20,000
  • have a permanent UK home address
  • have no County Court Judgements
  • have been trading for 6 months if self-employed

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable).

British Airways American Express® Premium Plus Credit Card

2015 award winner
limited offer Reward Airline Instant Decision Premium Credit Cards

British Airways American Express® Premium Plus Credit Card

  • 25,000 bonus points when you spend £3,000 in your first three months
  • 1.5 Avios for every £1 spent; 3 Avios for every £1 spent directly with British Airways
  • Companion voucher when you spend £10000 in one year
more info
60.7% APR
Representative (variable)
2.99%
Usage fee (Europe)
2.99%
Usage fee (worldwide)
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, with a £150 annual fee, your representative APR is 60.7% APR (variable).

aqua Reward MasterCard

Bad Credit Cashback Credit Building

aqua Reward MasterCard

  • 0.5% cashback and no foreign transaction fees
  • Unlimited access to your credit report
  • Credit limit increase possible after four months
more info
34.9% APR
Representative (variable)
0%
Usage fee (Europe)
0%
Usage fee (worldwide)
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • have a UK current bank or building society account
  • not be registered bankrupt in past 18 months or have proceedings
  • have no Country Court Judgements (past 12 months)

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 34.91% (variable) per annum, your representative APR is 34.9% APR (variable).

aqua Advance Credit Card

Bad Credit Credit Building

aqua Advance Credit Card

  • Possibility to reduce APR to 19.9% if you pay on time
  • Unlimited access to your credit report
  • Up to 51 days interest free credit
more info
34.9% APR
Representative (variable)
0%
Usage fee (Europe)
0%
Usage fee (worldwide)
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • have a UK current bank or building society account
  • not be registered bankrupt in past 18 months or have proceedings
  • have no Country Court Judgements (past 12 months)

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 34.91% (variable) per annum, your representative APR is 34.9% APR (variable).

Lloyds Bank Avios Rewards Amex/MasterCard

0% Purchase Reward Airline Premium Credit Cards

Lloyds Bank Avios Rewards Amex/MasterCard

  • Up to 1.25 Avios for every £1 spent (double in first six months)
  • No foreign transaction fees
  • £24 annual fee
more info
23.7% APR
Representative (variable)
0%
Usage fee (Europe)
0%
Usage fee (worldwide)
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £24 annual fee, your representative APR is 23.7% APR (variable).

Post Office Platinum MasterCard

0% Balance Transfer No Annual Fee

Post Office Platinum MasterCard

  • 18 months 0% on balance transfers
  • 2.98% initial balance transfer fee refunded in the first 90 days
  • No cash advance fee when you purchase Post Office Travel Money
more info
17.8% APR
Representative (variable)
0%
Usage fee (Europe)
0%
Usage fee (worldwide)
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • No balance transfers from Post Office or Bank of Ireland (UK) plc credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 17.8% (variable) per annum, your representative APR is 17.8% APR (variable).

Nationwide Select Credit Card

most popular
2015 award winner
0% Balance Transfer 0% Purchase Cashback

Nationwide Select Credit Card

  • Nationwide current account customers only
  • 15 months 0% on purchases & 26 months 0% on balance transfers (2.4% fee)
  • 0.5% cashback on all sterling purchases
more info
15.9% APR
Representative (variable)
0%
Usage fee (Europe)
0%
Usage fee (worldwide)
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • have an income of £5,000 or more
  • be an existing Nationwide current account customer
  • no balance transfers from Nationwide credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).

The Starwood Preferred Guest® Credit Card from American Express

2015 award winner
Reward Airline Instant Decision Premium Credit Cards

The Starwood Preferred Guest® Credit Card from American Express

  • 1 Starpoint per £1 spent. 10000 point bonus for £1,000 spend in first three months
  • Redeem points on flights and luxury hotels
  • £75 annual fee
more info
36.2% APR
Representative (variable)
2.99%
Usage fee (Europe)
2.99%
Usage fee (worldwide)
To get this card you must at least:
  • be a permanent UK resident

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £75 annual fee, your representative APR is 36.2% APR (variable).

TSB Premier Avios Amex/MasterCard

Reward Airline Premium Credit Cards

TSB Premier Avios Amex/MasterCard

  • Up to 1.25 Avios points per £1 spent (double when spending abroad)
  • Companion ticket when you spend £15,000 in one year
  • 1500 bonus Avios per £1,000 transferred from a single provider
more info
23.7% APR
Representative (variable)
2.95%
Usage fee (Europe)
2.95%
Usage fee (worldwide)
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 13.95% (variable) per annum, with a £50 monthly fee, your representative APR is 23.7% APR (variable).

TSB Avios Amex/MasterCard

Reward Airline Premium Credit Cards

TSB Avios Amex/MasterCard

  • Up to 1 Avios point for every £1 spent
  • Double Avios points when spending abroad
  • 1,500 bonus Avios per £1,000 transferred from a single provider
more info
17.9% APR
Representative (variable)
2.95%
Usage fee (Europe)
2.95%
Usage fee (worldwide)
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).

Nationwide Credit Card Purchase Visa

2015 award winner
0% Purchase

Nationwide Credit Card Purchase Visa

  • 15 months 0% on purchases
  • Commission-free allowance abroad
  • Access to exclusive deals with Simply Rewards
more info
17.9% APR
Representative (variable)
2%
Usage fee (Europe)
2%
Usage fee (worldwide)
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).

Nationwide Credit Card with Balance Transfer

2015 award winner
0% Balance Transfer

Nationwide Credit Card with Balance Transfer

  • 26 months 0% on balance transfers, 2.4% balance transfer fee
  • Three months 0% on purchases
  • Commission-free allowance abroad
more info
17.9% APR
Representative (variable)
2%
Usage fee (Europe)
2%
Usage fee (worldwide)
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • have an income of £5,000 or more
  • no balance transfers from Nationwide credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).

Nationwide Balance Transfer Low Fee Credit Card

2015 award winner
reduced fee offer 0% Balance Transfer

Nationwide Balance Transfer Low Fee Credit Card

  • Three months 0% on purchases; 15 months 0% on balance transfers
  • Low 0.35% balance transfer fee (within 3 months)
  • Commission-free allowance abroad
more info
17.9% APR
Representative (variable)
2%
Usage fee (Europe)
2%
Usage fee (worldwide)
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • have a Nationwide currect account
  • have an income of £5,000 or more
  • no balance transfers from Nationwide credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).

American Express Preferred Rewards Gold Credit Card

2015 award winner
Reward Airline Premium Credit Cards

American Express Preferred Rewards Gold Credit Card

  • 20,000 bonus Membership Rewards points when you spend £2,000 in your first three months
  • 1 points for virtually every £1 spent and 1 additional point for every £1 spent directly with airlines
  • No annual fee in the first year
more info
2.99%
Usage fee (Europe)
2.99%
Usage fee (worldwide)
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • be a permanent UK resident
  • have an income of £20,000 or more
  • have no history of bad debt

Additional criteria for acceptance from the lender may apply.

Charge card: No interest charges. Balance must be paid in full each month. Annual fee of £140 applies.

Virgin Atlantic Black Credit Card Account

Airline Money Transfer Reward Premium Credit Cards

Virgin Atlantic Black Credit Card Account

  • 18,500 miles with first purchase made in first 90 days
  • 0% on balance and money transfers for up to six months
more info
52.0% APR
Representative (variable)
2.75%
Usage fee (Europe)
2.75%
Usage fee (worldwide)
To get this card you must at least:
  • be 18 or older
  • be a UK resident

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, with a £140 annual fee, your representative APR is 52.0% APR (variable).

Virgin Atlantic White Credit Card Account

Reward Airline Money Transfer No Annual Fee Premium Credit Cards

Virgin Atlantic White Credit Card Account

  • 3,000 miles with first card purchase made in first 90 days
  • 0% on balance and money transfers for up to six months
more info
17.9% APR
Representative (variable)
2.75%
Usage fee (Europe)
2.75%
Usage fee (worldwide)
To get this card you must at least:
  • be 18 or older
  • be a UK resident

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).

The Platinum Credit Card

2015 award winner
Reward Airline Premium Credit Cards

The Platinum Credit Card

  • Receive 30,000 Membership Rewards® points when you spend £2,000 in the first three months 
  • 1 Membership Reward point for virtually every £1 spent
  • Platinum Travel and Concierge Service, unlimited access to over 700 airport lounges
more info
2.99%
Usage fee (Europe)
2.99%
Usage fee (worldwide)
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • be a permanent UK resident
  • have an income of £20,000 or more
  • have no history of bad debt

Additional criteria for acceptance from the lender may apply.

Charge card: No interest charges. Balance must be paid in full each month. Annual fee of £450 applies.

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Compare travel abroad credit cards

Frequently asked questions

About travel abroad credit 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.

Travel cards can offer free cash withdrawals, good rates on travel money, reward points for flights or discounts on travel insurance.

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.

However, there are two types of travel card - Airline Cards and no foreign transaction fee cards. Airline cards, typically wont give you free overseas spending but will give you rewards for flying on certain airlines like British Airways for example.

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.