With the right credit card you can avoid sneaky overseas card charges while spending abroad, or earn airline reward points before you go. Compare the best travel credit cards that are useful for travel, holidays and frequent flyers. Additional results may be available with an eligibility check.
Uswitch Limited is a credit broker, not a lender, for consumer credit.
Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.
Travel credit cards are credit cards for people who want the security of using a credit card when paying for goods and services abroad. Travel credit cards are used instead of taking a lot of cash with you, which can be risky.
Using a travel credit card can also make it cheaper for you to spend money when you are travelling. Travel credit cards will charge you less to spend money abroad than a standard credit card.
Airmiles credit cards are not travel credit cards, but can help you save money on your holidays in other ways.
Travel credit cards can charge higher interest rates than standard credit cards, so may not offer you the cheapest credit card deal for spending in the UK. But the best travel credit cards offer a number of benefits that can cut the cost of travelling.
Standard credit cards don’t typically offer a great exchange rate when you take out cash or pay for things outside the UK. Travel cards are designed for you to use abroad, so the exchange rate they offer is much better.
This means you’ll get more foreign currency in your pocket to spend when you’re away. The same benefit applies when buying goods from a website outside the UK in a foreign currency.
You have extra protection if you use a credit card. You are covered if you buy something at home or abroad costing over £100 and up to £30,000 with your credit card and the goods are faulty or aren’t delivered.
Section 75 protections (part of the Consumer Credit Act.1974) entitles you to get your money back if what you bought turns out to be faulty, the company you bought from breaks their contact or does not deliver what they promised.
Taking a large wad of cash with you on holiday can be risky. Cash is more likely to be stolen and make you a victim of crime. Taking a small amount of cash is generally a good idea. But the rest of your travelling you can put on a travel credit card.
Most credit and debit cards will charge you a fee for buying things or withdrawing cash outside the UK. This fee can be 3% or more every time you use the card. That is £6 for every £200 you spend. These fees can soon add up.
The best travel credit cards won’t charge you for taking out cash and making purchases overseas.
Airline credit cards, or airmiles credit cards, are not a type of travel card. But they can help you save money on your holiday or business trip.
Airmiles credit cards are a type of reward credit card. You earn points, or 'Avios' - the replacement scheme for Airmiles - when you buy goods or services. Points can be collected in stores and with financial providers, like Tesco, Lloyds TSB, and Marks and Spencer.
Points can be used to pay for flights, hotel stays, or even tickets for gigs and theme parks. Unlike with Airmiles, the Avios scheme lets you use points for one-way flights and some flights in and out of different airports.
Some airline credit cards are dedicated to a single airline, like British Airways credit cards or Virgin Atlantic cards.
A travel money card, or a prepaid travel card is not a credit card. It works by loading on currency before you travel allowing you to spend or withdraw cash once you’re away.
It can be safer than carrying cash if you want to avoid taking your existing credit card abroad.
Be aware of the fees that exist on some travel money cards. They can include:
Application fees (around £10)
Cash withdrawal fees
Fees for getting a replacement card
You don't have to pass a credit check when you apply for a prepaid currency card, like you would when applying for a travel credit card.
The best credit card for travel will depend on what features you want most. Shop around using credit card comparison sites to compare the best travel credit card deals.
Credit cards designed for travel are likely to offer you the best deals and value for money outside the UK. Look for travel credit cards that don’t charge foreign transaction fees.
Using your standard UK credit card when you're on a foreign holiday can be expensive. You will usually have to pay around 3% on cash withdrawals and every time you buy things abroad.
When you use your credit card abroad, the waiter or shopkeeper will usually ask you if you want to pay in pounds - sterling - or local foreign currency. To get the best exchange rate, always choose to pay in local currency.
Paying in local currency means your bank will do the foreign exchange conversion for you. Paying this way with a travel credit card will give you the best possible exchange rate.
Where you pay in pounds the seller will use their own bank to do the conversion. This will probably end up costing you a lot more.
Before you apply for a travel credit card think about:
If you travel regularly you could be much better off with a travel credit card. It will save you money when you spend money abroad. But if you don’t travel that much, racking up more debt on another credit card may not be a good idea.
Travel credit cards offer the best credit card rates for spending abroad. But they probably won’t give you the best deals for spending in the UK.
Travel credit cards won’t offer the best interest rate or the cheapest deal for long term debt. Try to pay off what you owe in full when you return from holiday. Otherwise, you will have to pay high interest charges.
When we use the term ‘most popular or ‘popularity’ on Uswitch in reference to credit cards, these cards are ranked by the number of clicks they have received on the site in the past 48 hours.
The most clicked on cards are at the top, with the least at the bottom. This reflects how popular they are with visitors to Uswitch.com. Consequently, this is a good table to look at if you’re interested in seeing which cards most people think are worth getting.
What is PPI? PPI, or payment protection insurance, became one of the most notorious financial products in recent years due to the PPI miss-selling scandal.
Charge cards allow you to pay for goods and services on credit, as long as you pay off your balance in full at the end of every month.
What are the best credit cards with no foreign transaction fees? Find out how to get a 'perfect' exchange rate when spending abroad.
Apple's version of contactless payment, ‘Apple Pay’ is a convenient way of paying with your iPhone or Apple watch. We explain how it works and what to be aware of.
Contactless payment was designed to be a quicker card payment method for small purchases than chip and PIN payments or swiping and signing, but you can now spend £100 using contactless. Read onto find out more
If you are trying to manage your finances and utilise available credit, you might be wondering "how many credit cards should I have?" Our guide explains the pros and cons of owning multiple credit cards.
Compare self-employed credit card options and get access to credit. Find out everything you'll need to know to get accepted.
Compare 0% balance transfer credit cards with Uswitch - our guide answers your key questions, such as how do balance transfer credit cards work? Follow our top tips to find out the best balance transfer credit cards for you.
Many credit cards come under the umbrella over a wider banking group. Find out who owns your credit card provider, such as NewDay, American Express and Barclaycard and why knowing your banking groups could be important.
A store credit card is a credit card branded by a particular store or retailer. Some you can only use in that retailer while others can be used anywhere but the benefits and discounts it offers are only available in the retail chain branded on the card.
This handy guide answers those questions you've always been unsure about, such as what kind of bank card do I have? Do credit cards have sort codes? We help you to tell your debit from your credit cards and your Visas from you Mastercards.
If you're looking for a credit card to build your credit score, use our comparison service to search for the best credit cards for bad credit. Our guide answers those key questions, such as do you need a credit card to have a credit score?
Credit card refund rules mean, purchases are protected by law - the Consumer Credit Act 1974 gives credit card protection on your purchases over £100.
You can check your eligibility for a credit card without having to apply for it, so you can reduce the risk of being rejected for a card.
A step-by-step approach to pay back credit card debt, rebuild your credit score and regain your financial health.
If you're wondering, can I transfer money from a credit card into a bank account? read the Uswitch guide to find out how. Search for a credit card that will allow you to transfer money into your current account.
Stoozing is a term for savvy use of credit cards to make money from interest rates, but how does it work?
Credit cards can be a cheap way to borrow money, but there are good and bad ways to use them. Our guide discusses, how to use a credit card, what can you use them for? What are the benefits? And in what circumstances should they be avoided?
Fed up with credit card jargon? Read our credit card glossary to get a simple explanation of everything from APR to Transfer fees.
How to cancel a credit card account? Uswitch guide explains how to close a Halifax credit card, Santander, Virgin and other credit card provider accounts.
With cashback credit cards, you get cash back on your spending - learn more and use our credit card comparison tool to find the right one for you.
High limit credit cards, also known as premium credit cards, have a much higher credit limit than traditional cards, and some offer unlimited spending. So are high limit credit cards a good idea for you?
A prepaid debit card or prepaid credit card offers the convenience of a credit card, but instead of borrowing you only spend money you have pre-loaded on the prepaid credit card. Our guide explains just how to make use of a prepaid card.
Find the best credit card if you are unemployed. Explore credit card offers for people who are currently experiencing unemployment. Search for the best credit card deal for you.
Business credit cards could be an invaluable asset to your company - find out more about company credit cards with Uswitch.
What is annual percentage rate (or APR)? How does it work? Our guide explains how APR works and what you need to know about it if you're borrowing money.
Find out about Avios points and Spending Avios points - Turn your everyday spending into hotels, holidays, experiences, rewards and more with Avios Points
Find out about the pros, cons and alternatives to credit cards for students, as well as the best ways to borrow money at university, and how to compare student credit cards.
While convenient, using your credit card overseas can quickly lead to fees which can make your trip abroad more expensive. These tips can keep costs down.
Getting your first credit card is an important step towards financial adulthood, but remember with great purchasing power comes great responsibility.
Many credit cards are described as 'instant decision' cards, but what does this actually mean and can you really get an instant credit card without the wait?
Charity credit cards allow you to donate to charity when you spend. Find out more about charity credit cards and how they compare to cashback credit cards.
Find out about the cost of withdrawing cash using a credit card as well as the best alternatives to credit card cash withdrawals.
Similar to a loan, a credit card provides you with an amount of credit agreed by you and your bank, for you to spend. Read our guide to learn how a credit card differs from a loan, and how to responsibly use one.
Credit cards offer great protection especially when making big purchases concerning events like weddings. Find out how best to use yours to protect your special day and what to do if your wedding organiser goes bust.
How is credit card interest calculated? The Uswitch guide explains, how to calculate credit card interest, based on companies rates for their credit cards.
Having a premium card can be a powerful status symbol, coming with extensive benefits for cardholders to enjoy. We explore whether it's worth getting a premium credit card if you're eligible.
The votes are in for the 2018 Uswitch Credit Card Awards. We spoke to 10,000 credit card customers to find out who topped our customer satisfaction tables in this year's survey.
Using a credit card can offers great benefits. A key perk of owning a credit card is the protection you're given with Section 75.
What's the best credit cards for Christmas shopping? We look at cards that will reward you for spending or let you borrow for free.
Prepaid travel cards are plastic payment cards pre-loaded with currency that enable you to spend as if you were using a credit or debit card
What is Amex or American Express? How do they differ from Visa and MasterCard credit cards? Read on to find out the pros and cons
What's the best way to spend as you travel around Europe? Take the euros as cash or spend on a travel credit card?
Airline credit cards help earn you Avios points the replacement for Airmiles when used for credit card purchases
Applying for a first credit card can have its complications - our guide can help with the preparation needed to build up your credit history
Credit cards are convenient for making travel arrangements, and can also allow you a little more spending leeway when you are on holiday
Can money transfer credit cards give you interest free cash loans? Read the Uswitch guide to find the best interest-free money transfer credit cards
Learn more about the credit card pre-approval process and see if it can really help your chances of getting a credit card if you have bad credit.
Confused about credit cards or just want more information? Use our Q&A to find the answers you're looking for with our money experts
The world of travel money is notoriously difficult. Do you take money or change there? Do you take cash, card or cheque? We answer your questions.
Credit card comparison tables can be quite tricky, so it's worth knowing how to read the credit card summary box to decode the legal jargon.
Do claims management companies keep calling you? Find out why, what they do and if they can be useful for you. Claims management companies have been in the news since the PPI mis-selling scandal broke but how do claims management companies work?
Find out all you need to know about store cards and whether you could be better off with a reward or balance transfer credit card.
Credit card applications can take a long time. Find out how long it will take to apply be accepted and receive a new credit card with our useful guide
Paying for a holiday can be one of the most expensive decisions of the year: flights, hotels and travel money. What's the best way to pay for it all?
Credit limits can restrict the amount of money you can borrow on a credit card or overdraft, but there are ways to increase it if you need some extra cash
Read our seven tips for first time credit card holders. See our video for some basic credit card do's and don'ts
Credit card charges can affect your ability to apply for credit and your credit rating. Find out how to understand credit charges in our Uswitch guide
Credit card security has improved but card fraud is still on the rise, we take a look at two of the biggest credit card frauds ever
It's possible to be financially well-off but have a poor credit score, which could stop you from getting the best credit cards and loans.
There are two main UK credit card airline rewards schemes: Avios (the new Airmiles) and Virgin Miles. Which one is better?
RBS and Capital One cardholders are seeing their cashback and rewards scaled back, but why? And is your card safe?
Compare MasterCard credit card deals with Uswitch - find the best low APR, balance transfer and cashback credit cards.
There is a lot of confusion around credit cards and a lot of questions around a few key terms.
Low rate APR credit cards could save you more money in the long run - find out how and compare low rate credit cards with Uswitch to find a great deal.
Credit card cheques were a means of paying for goods or services without cash and when you couldn't use your credit card.
The minimum payment on a credit card can vary but it is typically the highest of the total balance under a fixed amount or the interest
Cashback credit cards allow you to earn back money as you spend as a reward, but which card will give you the most back? American Express or Santander?
Several 0% balance transfer cards are currently offering interest free periods as long as three years - we take a closer look to decide which one is best.
Check our list of organisations, including debt charities in the UK, companies and government bodies that can help you take control of your debt.
Getting into unsustainable debt is frighteningly easy - a few months of irresponsible spending can land you with a debt that could take years to pay back.
We speak to David Rodger, Managing Director of debt advice charity, Debt Advice Foundation about the importance of facing up to your financial problems.
Debt consolidation loans could help you to get in control of your debt by combining all your debts into one. But consolidating debt isn't right for everyone
Debt Management Plans are one way to get free of debt. This Uswitch guide explores the benefits and drawbacks of debt management services.
What is bankruptcy? Bankruptcy is a form of insolvency, read on for bankruptcy information to help you consider your options.
An Individual Voluntary Arrangement (IVA) is an alternative to bankruptcy as a debt management solution. But what is an IVA and how do they work?
Determined to get out of debt, but don't know where to start? Take control of your finances and beat debt with our Uswitch 7-step guide.
Coping with debt is tough, but you're not alone - get advice on coping with debt stress and depression from Uswitch today.
A Debt Relief Order (DRO) is an alternative to bankruptcy for people on a low income and with few assets. Find out if a DRO is right for you at Uswitch.com
Find out how other people have got control over their debt
Budgeting advice and tips for getting your finances in shape and clearing your debts faster. Includes downloadable budget planners.
Are you liable for your partner's debts? Which debts should you pay off first? What action can your creditors take against you? Get these answers and more.
Find out how to get out of debt and read about debt solutions with this Uswitch guide to debt management help.