Best No-Foreign-Transaction-Fees Travel Credit Cards

We've analysed dozens of credit cards to find the best ones to use abroad when travelling overseas. Check out our recommendations, which we chose after taking into account features like foreign transaction and ATM fees, interest rates and grace periods. If you want to learn more about FX fees check out our guides Foreign Transaction Fees Explained and How Does a Cash Withdrawal Work.

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

  • Learning
    How Does a No-Fee Travel Credit Card Work?
  • Comparing
    Summary of the Best No-Fees Travel Cards
  • Choosing
    How To Pick a No-Fees Travel Card for You

According to our analysis of the market, the following cards stand out as objectively the best for certain purposes. The best card for you will depend on your individual situation and spending patterns.

Best No-Foreign-Transaction-Fee Travel Credit Cards

If you don't want to rack up fees for using your credit card while you're on holiday, it is important to have a card that doesn't charge for non-sterling transactions while abroad. With so many available in the market, there is a good travel card for nearly everyone, even those with a weaker credit history. Below is our choice of the best travel credit cards for use abroad, chosen after considering fees on ATM withdrawals, fees on non-sterling transactions, interest rates on cash withdrawals (which are often higher than the purchase APR) and other perks, when available.

Best No-Fees Travel Credit Cards: Barclaycard Platinum Travel Credit Card

Consider this if you don't want to pay fees when you use your card abroad, and you'd like a grace period on foreign cash withdrawals.

Purchase Rate (variable) 19.9%
0% on Purchases for up to up to 12 months
0% on Balance Transfers for up to n/a
Initial Balance Transfer Fee n/a
FX Fee none
Cash Fee 2.99% (min £2.99) on sterling transactions only

The Barclaycard Platinum Travel Credit Card is one of the best travel cards, because you won't be charged any FX fees when you use the card abroad, plus you can withdraw foreign currency cash from ATMs abroad without incurring fees from Barclays (although the ATM might charge a fee) and you won't be charged any interest on foreign cash withdrawals, so long as the balance is paid off in full, and on time by the next due date. This detail gives you up to 56 days interest free (from the date of withdrawal until your next statement date). This grace period does not apply to sterling cash withdrawals, however. It is important to note that the Barclaycard Travel card's current "no non-sterling transaction fees on your foreign spend and ATM withdrawals abroad" promotion ends on 31 August 2022, but it could be extended (as it was in 2018).

Summary

  • No fees on non-sterling ATM withdrawals or transactions abroad (Fees increase after 31 August 2022)
  • No interest charges on non-sterling cash withdrawals, if balance paid off in full and on time
  • 19.9% variable purchase APR
  • 27.9% variable cash withdrawal APR
  • Eligibility checker
  • No annual fee

Creation Everyday Credit Card

Consider this if you don't want to pay fees when you use your card abroad, and you'd like a grace period on foreign cash withdrawals.

Purchase Rate (variable) 12.9%
0% on Purchases for up to n/a
0% on Balance Transfers for up to n/a
Initial Balance Transfer Fee none
FX Fee none
Cash Fee none

The Creation Everyday Credit Card is another solid travel card, with lower than average interest rates of 12.9% (variable) on both purchases and cash, which can limit your interest charges if you ever need to withdraw cash using your card abroad. That said, if you do take out money from an ATM with the Creation card, you'd want to pay off your balance as soon as possible because interest on cash withdrawals is charged immediately from the date of withdrawal. As one of the best travel cards, you won't pay fees on non-sterling ATM withdrawals or transactions abroad.

Summary

  • No fees on non-sterling ATM withdrawals or transactions abroad
  • Lower-than-average 12.9% APR, variable, on cash withdrawals
  • 12.9% variable purchase APR
  • Eligibility checker
  • No annual fee

Halifax Clarity Credit Card

Consider this if you don't want to pay any fees when you use your card abroad.

Purchase Rate (variable) 18.9%
0% on Purchases for up to n/a
0% on Balance Transfers for up to n/a
Initial Balance Transfer Fee 3%
FX Fee none
Cash Fee none

The Halifax Clarity Credit Card is another solid card to use abroad as it won't charge a fee on foreign transactions, whether that's a charge at a retailer or an ATM withdrawal, plus there's no additional "cash" fee. While ATM withdrawals won't incur a fee, however, interest will start accumulating from day 1—there is no grace period on cash withdrawals on the Clarity card. That said, at least the interest rate on cash withdrawals is lower than average, at 18.9% variable APR. Since interest charges on cash transactions start accruing immediately, it's best to pay back any ATM withdrawals as soon as possible.

Summary

  • No fees on non-sterling ATM withdrawals or transactions abroad
  • Lower-than-average variable 18.9% interest rate on cash withdrawals
  • 18.9% variable purchase APR
  • Eligibility checker
  • No annual fee

Best No-Fees Travel Credit Card for Students and Poor Credit:

Those with poor credit or a limited credit history (including students) may not be eligible for the cards above, but there are two cards that may be feasible options for overseas travel. Neither charges FX fees on purchases made in a foreign currency abroad.

Best Travel Card for Student and Weak Credit: Aqua Advance Card

Consider this if you want a credit-builder card to use abroad.

Purchase Rate (variable) 34.9%
0% on Purchases for up to n/a
0% on Balance Transfers for up to n/a
Initial Balance Transfer Fee 3%
FX Fee none
Cash Fee 3% (min £3)

The Aqua Advance Credit Card] is a great card for those with poor credit or limited credit to use abroad, as it doesn't charge foreign transaction fees and is also open to applications from students who are not yet employed or those with weak histories. However, due to higher-than-average interest rates starting at 34.9% (variable), Aqua Advance cardholders should try to pay off their full balance every month, on time. Doing so, and staying within your credit limit, may result in the interest rate dropping by 5% a year over three years to a closer-to-average 19.9% (variable).

Summary

  • No fees on foreign transactions
  • 3% (min £3) fee on cash withdrawals
  • Higher-than-average initial interest rates (which can drop every year with good behaviour)
  • 44.9% variable cash APR
  • 34.9% variable purchase APR
  • No annual fee

Best Travel Card for Students and Weak Credit: Aqua Reward

Consider this if you want a credit-builder card to use abroad, and the chance to earn rewards.

Purchase Rate (variable) 39.9%
0% on Purchases for up to n/a
0% on Balance Transfers for up to n/a
Initial Balance Transfer Fee 3%
FX Fee none
Cash Fee 3% (min £3)

The Aqua Reward Credit Card] is useful to use for purchases when you're overseas because it doesn't charge any fees on non-sterling foreign transactions. While the card doesn't charge a fee for purchases made abroad, cash withdrawals are treated differently. We wouldn't recommend withdrawing cash from ATMs when you travel using the Aqua Rewards card due to the 3% (£3 min) cash withdrawal fee—plus as it's marketed at individuals looking to improve their credit rating, the interest rates are higher than average and interest starts accruing immediately on cash withdrawals. As a result, a cash withdrawal may leave you with unwelcome charges on your statement when you return from holiday. A final perk is that the Aqua Reward offers 0.5% cashback rewards on qualifying purchases.

Summary

  • 3% (min £3) fee on cash withdrawals
  • No fee on non-sterling transactions
  • 0.5% cashback rewards rate
  • Higher-than-average 49.9% variable cash APR
  • Higher-than-average 39.9% variable purchase APR
  • May accept those with Poor Credit Ratings
  • No annual fee

No-Fees Travel Credit Card for Seniors: Saga Over 50s Platinum

Consider this if you want a travel card with an interest grace period on cash withdrawals and Saga travel discounts.

Purchase Rate (variable) 11.29%
0% on Purchases for up to 9 months
0% on Balance Transfers for up to 9 months
Initial Balance Transfer Fee 3%
FX Fee none
Cash Fee 2% (min £2)

The Saga Platinum Credit Card provides some nice travel features to people over 50 years of age: no fees on foreign transactions, discounted cash fees and discounts on Saga holiday bookings. Plus, like the Barclaycard Platinum Travel Credit Card there's an interest-free grace period on cash withdrawals, provided your balance is paid off in full and on time. All cash withdrawals are subject to a 2% fee (£2 minimum). If you do need to withdraw cash using the Saga card while abroad, minimize the impact of the minimum charge by taking out at least £100 worth of foreign currency at a time.

Summary

  • No fee on non-sterling transactions made abroad
  • 2% (min £2) fee on cash withdrawals
  • Discounts on Saga Holidays
  • 19.61% purchases APR (variable)
  • 19.61% cash APR (variable)
  • No annual fee

How FX Fees and Travel Cards Work

All of the travel cards listed on this page are "no fee" for non-sterling transactions abroad. This means you won't incur any extra fees for using your card to pay for a candle-lit dinner for two in Florence or a new swimsuit in the Canary Islands.

One area in which the travel cards tend to differ is in their treatment of cash withdrawals. Be on the lookout for two types of charges relating to taking local cash out of an ATM:

  • The fee charged for withdrawing cash—this usually ranges from "no fee" to a 3% fee (£3 minimum)
  • The interest charged on cash withdrawals—be aware of the interest rate, which is often higher than your purchase rate, and also if there is a grace period (i.e., when you pay your balance off in full and on time, no interest is charged on cash withdrawals)

Summary of No-Fees Travel Credit Cards

Below is a summary of some of the UK's travel cards across different categories. This list is by no means exhaustive. There may be a card with better features that we do not mention below.

Best For...CardQuick Overview
OverallBarclaycard Platinum TravelNo fees on non-sterling transactions or ATM withdrawals; Up to 56 days of no interest on non-sterling cash withdrawals
OverallCreation EverydayNo fees on non-sterling transactions or ATM withdrawals; Lower-than-average 12.9% interest on foreign cash withdrawals
OverallHalifax ClarityNo fees on non-sterling transactions or ATM withdrawals; 18.9% interest on foreign cash withdrawals
Student & Poor CreditAqua AdvanceNo fees on non-sterling transactions; ATM cash withdrawals incur fee of 3% (min £3); Higher-than-average 44.9% (variable) cash APR
Aqua Rewards Credit CardNo fees on non-sterling transactions. ATM cash withdrawals incur fee of 3% (min £3); Higher-than-average 49.9% (variable) cash APR
SeniorsSaga Over 50s PlatinumNo fees on non-sterling transactions. ATM cash withdrawals incur fee of 2% (min £2)

How the No-Fees Travel Credit Cards Compare

To compare the travel cards mentioned above, we calculated the cost of withdrawing £500 worth of cash in a foreign currency at an ATM abroad. In doing so, a card may incur a withdrawal fee and also interest charges. The chart below shows the estimated charges you'd incur on these cards, assuming the balance is paid back in 30 days and before the next statement due date.

A graph comparing the costs, including non-sterling transaction fees and interest charges, of £500 worth of Foreign Currency Withdrawals across 9 of the Best Travel Cards
The Cost of £500 worth of Foreign Currency Withdrawals across 9 Travel Cards

The following chart shows whether a card is "no fee" on purchases and cash withdrawals. All of the cards discussed in this article are "no fee" for purchases made abroad, but only some are "no fee" on cash withdrawals.

No Fee on Purchases?No Fee on ATM Withdrawals?
Creation Everyday
Halifax Clarity
Barclaycard Platinum Travel
Santander Zero
Saga Over 50s Platinum
Santander All In One
Aqua Rewards
Aqua Advance

How to Choose a No-Fees Travel Credit Card for You

Choosing the best travel credit card for you will depend on your individual situation and spending habits.

When deciding which card to choose, think about whether or not you can pay off your full balance on time every month, as some cards offer grace periods on cash advances. If you may not be able to fully pay off your balance by the time it's due, then be extra aware of the APR. This is particularly true for cash advances, since they generally start charging interest immediately from transaction date. Remember, at least 51% of successful applicants will receive a rate of the stated APR or less; the rest of successful applicants will receive a higher rate.

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.