Travel Credit Cards
Get the best travel credit cards with uSwitch and avoid paying expensive fees for using your credit card abroad. Compare travel credit cards today.
If you're planning a holiday, don't let travel money be an afterthought. Choosing the right option for paying for your holiday purchases could save you a small fortune and make sure that your break doesn't end up costing the earth. Find out more about travel credit cards.
Cards below ordered by interest rate (APR)
Top five cards
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0 Nationwide BS Credit Card Balance Transfer Visa
Nationwide BS Credit Card Balance Transfer Visa
15.9% APR
0.0% balance transfer for 17 months (2.95% fee)
0.0% on purchases for 3 months
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1 American Express Platinum Cashback Card
American Express Platinum Cashback Card
18.5% APR
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2 Virgin Money Purchase Credit Card MasterCard
Virgin Money Purchase Credit Card MasterCard
18.9% APR
0.0% balance transfer for 13 months (2.89% fee)
0.0% on purchases for 13 months
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3 Post Office Platinum MasterCard
Post Office Platinum MasterCard
16.9% APR
0.0% balance transfer for 14 months (2.98% fee)
0.0% on purchases for 3 months
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4 The AA Balance Transfer Credit Card Visa
The AA Balance Transfer Credit Card Visa
17.9% APR
0.0% balance transfer for 16 months (2.90% fee)
0.0% on purchases for 3 months
Compare cards
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15.9% APR
Nationwide BS Credit Card Balance Transfer Visa Nationwide BS
- 0.0% balance transfer for 17 months (2.95% fee)
- 0.0% on purchases for 3 months
features
- 0.0% balance transfer for 17 months (2.95% fee)
- 0.0% on purchases for 3 months
- Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission. Rewards scheme providing savings on major brands including Holiday Inn, Wickes, Butlins, Urban Outfitters, Gourmet Society, Kwik Fit, aka Promotions (West End Theatre) and Virgin Holidays - these offers are reviewed on a regular basis.
rates
- Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
- Introductory rate 0.0% for 17 months, Monthly rate 0.0%, Yearly rate 0.0%
- Monthly rate 2.075%, Yearly rate 27.9%
eligibility
- Is not available to existing customers
- Minimum income of £5000
- 18 years minimum age
- Is not available to applicants with County Court Judgements
default charges
- Exceeding personal limit subject to a handling fee of £12
- Late payment subject to a handling fee of £12
- Returned payment subject to a handling fee of £12
charges
- Interest fee on purchases: 0.0%
- Cash withdrawal fee: 27.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
- Repayment terms: We will apply payments first to debts appearing on your statement in a high to low interest rate order, and then to any transactions that have not yet appeared on your statement, in the same high to low order. If you have more than one balance with the same interest rate we will reduce the balance with the earliest expiry date first.
Representative example: When you spend £1200 at a rate of 15.9% (variable) per annum, your Representative APR is 15.9% APR (variable).
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features
- 0.0% balance transfer for 6 months (3.00% fee)
- Collect 1 Avios per £1 spent on the Lloyds TSB Duo Avios American Express® Card. Collect 2 Avios per £1 spent on the Lloyds TSB Duo Avios American Express® Card abroad. Collect 1,500 Avios for every whole £1,000 balance transferred from a single provider. For a limited time, customers applying via www.lloydstsb.com will collect 2,000 bonus Avios when they spend £500 per month on their Duo account for the first three months. For a limited time, customers applying through avios.com will collect 5 Avios per £1 spent on the Lloyds TSB Duo Avios American Express® Card and 10 Avios per £1 spent on the Lloyds TSB Duo Avios American Express® Card abroad for the first 3 months.
rates
- Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
- Monthly rate 2.075%, Yearly rate 27.9%
eligibility
- Is not available to existing customers
- Minimum income of £15000
- 18 years minimum age
- Is not available to applicants with County Court Judgements
default charges
- Exceeding personal limit subject to a handling fee of £12
- Late payment subject to a handling fee of £12
- Returned payment subject to a handling fee of £12
charges
- Cash withdrawal fee: 27.9% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
- Repayment terms: We use any payments you make to pay off Transactions that appear on your statement starting with those on which we charge the highest rate of interest, and so on down to the lowest rate of interest. If the payment is not enough to pay off all Transactions at a particular interest rate, we will pay off Transactions charged at the interest rate in the following order:- Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by charges. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off Transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, “Transaction” includes the amount of the Purchase, Cash Withdrawal, Cheque or Balance Transfer plus any interest, charges or insurance payment charged as a result of that Transaction. For example, a Cash Withdrawal charge is included as part of a Cash Withdrawal.
Representative example: When you spend £1200 at a rate of 15.94% (variable) per annum, your Representative APR is 15.9% APR (variable).
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features
- 0.0% balance transfer for 6 months (3.00% fee)
- Collect 1 Avios per £5 spent on the Lloyds TSB Duo Avios MasterCard. Collect 2 Airmiles per £5 spent on the Lloyds TSB Duo Avios MasterCard abroad. Collect 1,500 Avios for every whole £1,000 balance transferred from a single provider. For a limited time, customers applying via www.lloydstsb.com will collect 2,000 bonus Avios when they spend £500 per month on their Duo account for the first three months. For a limited time, customers applying through avios.com will collect 5 Avios per £5 spent on the Lloyds TSB Duo Avios MasterCard and 10 Avios per £5 spent on the Lloyds TSB Duo Avios MasterCard abroad for the first 3 months.
rates
- Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
- Monthly rate 2.075%, Yearly rate 27.9%
eligibility
- Is not available to existing customers
- Minimum income of £15000
- 18 years minimum age
- Is not available to applicants with County Court Judgements
default charges
- Exceeding personal limit subject to a handling fee of £12
- Late payment subject to a handling fee of £12
- Returned payment subject to a handling fee of £12
charges
- Cash withdrawal fee: 27.9% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
- Repayment terms: We use any payments you make to pay off Transactions that appear on your statement starting with those on which we charge the highest rate of interest, and so on down to the lowest rate of interest. If the payment is not enough to pay off all Transactions at a particular interest rate, we will pay off Transactions charged at the interest rate in the following order:- Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by charges. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off Transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, “Transaction” includes the amount of the Purchase, Cash Withdrawal, Cheque or Balance Transfer plus any interest, charges or insurance payment charged as a result of that Transaction. For example, a Cash Withdrawal charge is included as part of a Cash Withdrawal.
Representative example: When you spend £1200 at a rate of 15.94% (variable) per annum, your Representative APR is 15.9% APR (variable).
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16.9% APR
Post Office Platinum MasterCard Post Office®
- 0.0% balance transfer for 14 months (2.98% fee)
- 0.0% on purchases for 3 months
features
- 0.0% balance transfer for 14 months (2.98% fee)
- 0.0% on purchases for 3 months
rates
- Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
- Introductory rate 0.0% for 14 months, Monthly rate 0.0%, Yearly rate 0.0%
- Monthly rate 2.008%, Yearly rate 26.944%
eligibility
- Is not available to existing customers
- Minimum income of £15000
- 18 years minimum age
- Is not available to applicants with County Court Judgements
default charges
- Exceeding personal limit subject to a handling fee of £12
- Late payment subject to a handling fee of £12
- Returned payment subject to a handling fee of £12
charges
- Interest fee on purchases: 0.0%
- Cash withdrawal fee: 26.94% Or the full balance (if less than £5) OR 1% of the outstanding balance plus interest, plus fees, plus any insurance premium.
- Repayment terms: Payments we receive will be applied by us against items charged to your account (which will include transactions, interest and any other fees and/or charges) in order of interest rate applicable, highest first.
Representative example: When you spend £1200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).
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17.9% APRVirgin Atlantic White Amex MBNA Europe Bank
- 0.0% balance transfer for 6 months (2.00% fee)
features
- 0.0% balance transfer for 6 months (2.00% fee)
- 3,000 Flying Club Miles awarded on first card purchase within the first 90 days of account opening. 1 Flying Club Mile per £1 spent. Double miles when card used with Virgin Atlantic and Virgin Holidays. If retail spend of greater than £15K pa a companion ticket is earnt for a qualifying flight with Virgin Atlantic. If retail spend of greater than £10K pa a premium upgrade with an economy redemption (max 2 per year) can be made.
rates
- Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
- Monthly rate 1.5976%, Yearly rate 20.9%
eligibility
- Is not available to existing customers
- Minimum income of £0
- 18 years minimum age
- Is not available to applicants with County Court Judgements
default charges
- Exceeding personal limit subject to a handling fee of £12
- Late payment subject to a handling fee of £12
- Returned payment subject to a handling fee of £12
charges
- Cash withdrawal fee: 20.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
- Repayment terms: If you do not pay your balance in full we will use your payments: 1) to reduce higher rate balances before lower rate balances If introductory rate balances are the same we will repay as follows: 1) if the promotional and standard interest rate match, we will use your payments against the promotional interest rate; then 2) if the expiry dates, and start dates are the same - the one with the highest standard rates; then 3) if the expiry dates are the same - the one which started first.
Representative example: When you spend £1200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).
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17.9% APR
The AA Balance Transfer Credit Card Visa AA
- 0.0% balance transfer for 16 months (2.90% fee)
- 0.0% on purchases for 3 months
features
- 0.0% balance transfer for 16 months (2.90% fee)
- 0.0% on purchases for 3 months
- Applies to all card purchases. Reward of 1 point for every full £2 spent, with 1 point for every £1 spent on Fuel, Motoring or AA product purchases. Reward points can be redeemed at any time on a range of products and services from AA, motoring and travel products, shopping vouchers and cash back. Points are worth more if redeemed on AA products. 2,000 points worth: £40 off AA Insurance or AA Breakdown Cover or £20 in shopping vouchers, motoring products or treats (days off, hampers, case of wine) or £10 cash back.
rates
- Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
- Introductory rate 0.0% for 16 months, Monthly rate 0.0%, Yearly rate 0.0%
- Monthly rate 2.0751%, Yearly rate 27.9%
eligibility
- Is not available to existing customers
- Minimum income of £20000
- 23 years minimum age
- Is not available to applicants with County Court Judgements
default charges
- Exceeding personal limit subject to a handling fee of £12
- Late payment subject to a handling fee of £12
- Returned payment subject to a handling fee of £12
charges
- Interest fee on purchases: 0.0%
- Cash withdrawal fee: 27.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
- Repayment terms: If you do not pay your balance in full we will use your payments: to reduce higher rate balances before lower rate balances. If any transaction types have the same interest rate then we will repay: the introductory rate before the standard rate. If two or more introductory rates have the same interest rate then we will repay: the one with the earliest start date; if the start dates are the same then we will repay the one with the highest standard rate. Remaining balances will be paid off in this order: balance transfers, cash advances, money transfers and purchases.
Representative example: When you spend £1200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).
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features
- The cashback rebate is not payable in respect of any month in which the minimum payment is not received by the due date.
- Highest ongoing cashback rate than any other card* (*Ts&Cs apply) 5% cashback in the first 3 months up to £100 1.25% cashback on virtually everything you buy after 3 months Annual bonus rate of 2.5% for one month every anniversary Must have a household income of £20,000 Annual fee £25
rates
- Monthly rate 2.08%, Yearly rate 27.9%
eligibility
- Is not available to existing customers
- Minimum income of £20000
- 18 years minimum age
- Is not available to applicants with County Court Judgements
default charges
- Exceeding personal limit subject to a handling fee of £12
- Late payment subject to a handling fee of £12
- Returned payment subject to a handling fee of £12
charges
- Cash withdrawal fee: 27.9%
- Repayment terms: We will apply payments to balances bearing the highest interest rate first. In applying this principle, we will first apply payment to amounts that have appeared on your monthly statement, and we may secondly, apply payments to amounts that have not yet appeared on your monthly statement.
Representative example: When you spend £1200 at a rate of 14.0% (variable) per annum, with a £25 annual fee, your Representative APR is 18.5% APR (variable).
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18.9% APR
Virgin Money Purchase Credit Card MasterCard Virgin Money
- 0.0% balance transfer for 13 months (2.89% fee)
- 0.0% on purchases for 13 months
features
- 0.0% balance transfer for 13 months (2.89% fee)
- 0.0% on purchases for 13 months
- 10% of Virgin Holidays 1 month free at Virgin Active* up to 50 days interest free on your card purchases (as long as you pay your statement balance in full
rates
- Introductory rate 0.0% for 13 months, Monthly rate 0.0%, Yearly rate 0.0%
- Introductory rate 0.0% for 13 months, Monthly rate 0.0%, Yearly rate 0.0%
- Monthly rate 2.0751%, Yearly rate 27.9%
eligibility
- Is not available to existing customers
- Minimum income of £0
- 18 years minimum age
- Is not available to applicants with County Court Judgements
default charges
- Exceeding personal limit subject to a handling fee of £12
- Late payment subject to a handling fee of £12
- Returned payment subject to a handling fee of £12
charges
- Interest fee on purchases: 0.0%
- Cash withdrawal fee: 27.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
- Repayment terms: If you do not pay your balance in full we will use your payments: 1) to reduce higher rate balances before lower rate balances If introductory rate balances are the same we will repay as follows: 1) if the promotional and standard interest rate match, we will use your payments against the promotional interest rate; then 2) if the expiry dates, and start dates are the same - the one with the highest standard rates; then 3) if the expiry dates are the same - the one which started first.
Representative example: When you spend £1200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).
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21.9% APRLloyds TSB Premier Duo Avios MasterCard Lloyds TSB
- 0.0% balance transfer for 6 months (3.00% fee)
features
- 0.0% balance transfer for 6 months (3.00% fee)
- Collect 1.25 Avios per £5 spent on the Lloyds TSB Premier Duo Avios MasterCard. Collect 2.5 Avios per £5 spent on the Lloyds TSB Premier Duo Avios MasterCard abroad. Collect 1,500 Avios for every whole £1,000 balance transferred from a single provider. For a limited time, customers applying via Lloyds TSB branch or telephony channels or lloydstsb.com will collect 10,000 bonus Avios when they spend £500 per month on their Premier Duo account for the first three months. For a limited time, customers applying through avios.com will collect 12.5 Avios per £5 spent on the Lloyds TSB Premier Duo Avios MasterCard and 25 Avios per £5 spent on the Lloyds TSB Premier Duo Avios MasterCard abroad for the first three months.
rates
- Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
- Monthly rate 2.075%, Yearly rate 27.9%
eligibility
- Is not available to existing customers
- Minimum income of £0
- 18 years minimum age
- Is not available to applicants with County Court Judgements
default charges
- Exceeding personal limit subject to a handling fee of £12
- Late payment subject to a handling fee of £12
- Returned payment subject to a handling fee of £12
charges
- Cash withdrawal fee: 27.9% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
- Repayment terms: We use any payments you make to pay off Transactions that appear on your statement starting with those on which we charge the highest rate of interest, and so on down to the lowest rate of interest. If the payment is not enough to pay off all Transactions at a particular interest rate, we will pay off Transactions charged at the interest rate in the following order:- Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by charges. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off Transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, “Transaction” includes the amount of the Purchase, Cash Withdrawal, Cheque or Balance Transfer plus any interest, charges or insurance payment charged as a result of that Transaction. For example, a Cash Withdrawal charge is included as part of a Cash Withdrawal.
Representative example: When you spend £1200 at a rate of 13.95% (variable) per annum, with a £50 annual fee, your Representative APR is 21.9% APR (variable).
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47.2% APRVirgin Atlantic Black Amex MBNA Europe Bank
- 0.0% balance transfer for 6 months (2.00% fee)
features
- 0.0% balance transfer for 6 months (2.00% fee)
- 6,000 Flying Club Miles awarded on first card purchase within the first 90 days of account opening. 12,000 Flying Club Miles will be awarded when at least £1.500 is spent on card within the first 90 days of account opening. 2 Flying Club miles for every £1 spent. Double miles when card used with Virgin Atlantic and Virgin Holidays. If retail spend of greater than £7.5K pa a companion ticket is earnt for a qualifying flight with Virgin Atlantic. If retail spend of greater than £5K pa a premium upgrade with an economy redemption (max 2 per year) can be made.
rates
- Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
- Monthly rate 1.5976%, Yearly rate 20.9%
eligibility
- Is not available to existing customers
- Minimum income of £0
- 18 years minimum age
- Is not available to applicants with County Court Judgements
default charges
- Exceeding personal limit subject to a handling fee of £12
- Late payment subject to a handling fee of £12
- Returned payment subject to a handling fee of £12
charges
- Cash withdrawal fee: 20.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
- Repayment terms: If you do not pay your balance in full we will use your payments: 1) to reduce higher rate balances before lower rate balances If introductory rate balances are the same we will repay as follows: 1) if the promotional and standard interest rate match, we will use your payments against the promotional interest rate; then 2) if the expiry dates, and start dates are the same - the one with the highest standard rates; then 3) if the expiry dates are the same - the one which started first.
Representative example: When you spend £1200 at a rate of 18.9% (variable) per annum, with a £140 annual fee, your Representative APR is 47.2% APR (variable).
Choosing a travel credit card
Credit cards are a convenient way to pay and give you essential legal protection under Section 75 of the Consumer Credit Act if you don't get what you paid for.
But using the wrong credit card when you're on a foreign holiday can prove to be an expensive mistake.
Some credit cards will charge you a foreign currency loading fee of around 2.75% each time you use your card.
Plus, if you withdraw cash on your credit card at a foreign ATM, not only could you find yourself paying an extra 2.5-3% on top of whatever you withdraw, you will also pay a higher rate of interest than the standard rate on your card, and you'll miss out on the usual 56 day interest free period you get on spending.
The best credit card for your everyday spending might not be the best travel credit card, so if you're planning a holiday make sure you pack the right card - compare travel credit cards before you go with uSwitch.