No Fee Abroad Credit Cards

  • Avoid paying fees when travelling abroad with your credit card
  • Our table below only features credit cards with no foreign transaction fee.
  • There are 7 out of 86 cards matching this search.
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aqua Classic Credit Card
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  • 29.7% APR (Variable)
  • Start with a credit limit of £250-£1,200 and you could get an increase on your 4th statement
  • Free unlimited access to your credit report
  • Text reminders, so you need never miss a payment
Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.71% (variable), representative 29.7% APR (variable). Credit available subject to status.

What type of card are you looking for?

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  • Saga Over 50s Platinum Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 9 months
    (3% fee)
  • New Purchases Offer
    0% Fixed
    For 9 months
  • Representative APR
    11.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      SAGA

    Benefits

      • 0% Foreign Currency Fee.
      • Secure Online Money Management Service.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 11.29% (variable), representative 11.9% APR (variable). Credit available subject to status.

  • Nationwide Select Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 12 months
    (0% fee)
  • New Purchases Offer
    0% Fixed
    For 12 months
  • Representative APR
    15.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Nationwide

    Benefits

      • 0.5% cashback on sterling purchases.
      • Fraud Protection Guarantee.
      • Access to Nationwide Simply Rewards.
      • Unlimited commission-free purchases abroad.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • To apply for a Select Credit Card you must be a main current account customer with Nationwide.
    • Min Income
      £5,000
    • Min Age
      18
    • Visit Website
    • 0.5% cashback on sterling purchases
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 15.9% (variable), representative 15.9% APR (variable). Credit available subject to status.

  • Post Office Money Platinum Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 18 months
    (2.89% fee)
  • New Purchases Offer
    0% Fixed
    For 28 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £1,000
    • Provider
      Post Office

    Benefits

      • 0% on balance transfers for the first 18 months. A balance transfer must be made within 90 days of the balance transfer transaction date.
      • 0% on purchases for the first 28 months.
      • No fees on purchases overseas.
      • No cash fee when you purchase Post Office Travel Money.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.
    • Min Income
      £8,000
    • Min Age
      18
    • Visit Website
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

  • Santander Zero Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 1 months
    (3% fee)
  • New Purchases Offer
    0% Fixed
    For 1 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Santander

    Benefits

      • No foreign transaction fees on purchases when made in the local currency.
      • No cash withdrawal fee anywhere in the world.
      • No monthly fee.
      • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
    • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

  • Santander All in One Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 41 months
    (0% fee)
  • New Purchases Offer
    0% Fixed
    For 6 months
  • Representative APR
    21.7% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Annual fee
      £36
    • Min Credit
      £500
    • Provider
      Santander

    Benefits

      • 0% on balance transfers for 41 months from date of account opening (0% fee applies).
      • 0% on purchases for 6 months from date of account opening.
      • 0.5% cashback on all of your purchases with no limits or caps.
      • No foreign transaction fee on purchases or cash withdrawals in the local currency when you're abroad.
      • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • The annual fee is broken down into monthly payments of £3.
    • Min Income
      £7,500
    • Min Age
      18
    • Visit Website
    • 0.5% cashback on all of your purchases with no limits or caps
    • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 15.9% (variable), with a £36 annual fee, representative 21.7% APR (variable). Credit available subject to status.

  • aqua Advance Credit Card

  • Balance Transfers Offer
    -
  • New Purchases Offer
    No Introductory Rate
    No Intro Rate
  • Representative APR
    34.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £250
    • Provider
      NewDay Ltd

    Benefits

      • Free aqua credit checker.
      • Repay on time and your rate could reduce to 19.9% APR.
      • No foreign exchange fees.
      • SMS text reminders to help you stay in control.
      • Credit limit of £250 - £1,200 with a possible increase after four months.
      • aqua has said YES to over 750,000 customers in the UK.

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.91% (variable), representative 34.9% APR (variable). Credit available subject to status.

  • aqua Reward Credit Card

  • Balance Transfers Offer
    -
  • New Purchases Offer
    No Introductory Rate
    No Intro Rate
  • Representative APR
    34.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £250
    • Provider
      NewDay Ltd

    Benefits

      • You'll receive 0.5% cashback on all of your purchases.
      • Manage your account carefully by paying at least the minimum amount due on time.
      • Receive an initial credit limit between £250-£1,200 - which could go up at a later date.

    Before you Continue...

    • You must be at least 18 years old to apply.
    • Receive 0.5% cashback on all of your purchases
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.91% (variable), representative 34.9% APR (variable). Credit available subject to status.

No Fee for Using Abroad

Using standard credit cards overseas could mean that you end up being hit with a host of additional fees and hidden charges. In fact, withdrawing cash on your credit card from a foreign cashpoint could mean you'll owe an additional 3% on the amount you'd typically have to pay back.

While charges for using standard credit cards abroad aren't new, credit card providers and banks have begun to place these fees on statements since the beginning of 2014 - bringing them to the attention of savvy shoppers. Fortunately, there are credit cards that you can use to help you avoid extra fees abroad.

Should I Get a Travel Credit Card?

Whether a credit card that does not include fees for purchases made overseas is right for you or not, depends on your typical spending habits and needs. If you usually take your credit card with you abroad, then a travel credit card could be a great way to save cash. However, if you're not prone to regular travel and you're looking to get the cheapest credit card deal, you may be better served looking for a card with a low interest rate for use in the UK instead.

Do I Need to Pay Off the Balance in Full Each Month?

Though specialist travel cards are different to regular cards in the way that they allow you to avoid paying additional fees when you use your credit abroad, they still require regular repayments to be made if you want to avoid extra interest costs. The interest on overseas cards can quickly add up if you are not disciplined enough to pay them off in full each month, which is why most experts recommend using a direct debit to ensure interest charges don't dwarf your other no-fees-abroad advantages.

What are the Benefits of Using these Cards Overseas?

Credit cards designed specifically for use abroad are particularly beneficial to those who travel a lot, and want to avoid incurring extra charges when they use their credit card on vacation. Travel cards can give you access to free cash withdrawals at overseas ATMs, as well as better rates on your travel money, reward points for flights, and sometimes even discounts on travel insurance. Additionally, some travel cards will not charge any extra for making purchases overseas in a foreign currency, or when you buy products from overseas websites.

What Will My Credit Limit Be?

As with any other type of credit card, the limit on your travel card will depend on various factors, including your credit score. While most providers advertise an average limit with their travel cards, you may not be able to access this full amount. Instead, your provider will give you an insight into the credit limit you can use after you have filled out an application form.

Will My Credit History Be Important?

The better your credit score is, the more likely it is that you will be accepted for a travel credit card that features a low-interest rate and competitive APR. Your credit history may also affect the kinds of rewards you can access with your new credit card.

Helpful links for credit card issues

Money Advice Service - The government's Money Advice Service website provides concise, unbiased information on choosing and using credit cards as well as handy tools such as credit card calculators.

The UK Cards Association - The British trade association for card payment companies has an extensive range of guides on their website covering all the types of payment cards available to UK consumers including debt, credit and prepaid cards.

Financial Fraud Action (FFA) UK - The Financial Fraud Action website features important advice on using payment cards safely and securely as well as information on the latest scams.

Financial Ombudsman Service - If you've already made a complaint to your card provider and have not had your issue resolved satisfactorily then the next step is to take up your complaint with the Financial Ombudsman.

About this service: Comparison tables are provided by KnowYourMoney.co.uk and is a free service to our users. The tables include providers from whom we may receive commission. For more details on how our site works click here.

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