Credit cards Best credit cards to use abroad
If you want to avoid the foreign exchange fees charged by most credit card providers, our Best Rate credit cards are great for using abroad on your holidays.
| Provider | Foreign loading fee (Europe) Foreign loading fee (Europe) help | Foreign loading fee (worldwide) Foreign loading fee (Worldwide) help | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|---|
Saga Platinum Visa
| 0% | 0% | 11.9% | 21.4% | No Fee | 82% |  |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 11.9% (variable), your Representative APR will be 11.9% (variable).
| Provider | Foreign loading fee (Europe) Foreign loading fee (Europe) help | Foreign loading fee (worldwide) Foreign loading fee (Worldwide) help | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|---|
| Nationwide Select Visa | 0% | 0% | 12.9% | 27.9% | No Fee | 75% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 12.9% (variable), your Representative APR will be 12.9% (variable).
| Provider | Foreign loading fee (Europe) Foreign loading fee (Europe) help | Foreign loading fee (worldwide) Foreign loading fee (Worldwide) help | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|---|
Halifax Clarity MasterCard  | 0% | 0% | 12.9% | 12.9% | No Fee | 56% |  |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 12.9% (variable), your Representative APR will be 12.9% (variable).
| Provider | Foreign loading fee (Europe) Foreign loading fee (Europe) help | Foreign loading fee (worldwide) Foreign loading fee (Worldwide) help | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|---|
Post Office Platinum MasterCard
| 0% | 0% | 16.9% | 26.9% | No Fee | 79% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).
| Provider | Foreign loading fee (Europe) Foreign loading fee (Europe) help | Foreign loading fee (worldwide) Foreign loading fee (Worldwide) help | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|---|
| Nationwide BS Credit Card Visa
| 0% - 2% | 0% - 2% | 15.9% | 27.9% | No Fee | 75% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 15.9% (variable), your Representative APR will be 15.9% (variable).
Help
Foreign loading fee (Europe)
The extra foreign loading fee you'll pay on transactions in Europe.
Back to Foreign loading fee (Europe) in money table
Foreign loading fee (Worldwide)
The extra foreign loading fee you'll pay on transactions outside of Europe.
Back to Foreign loading fee (Worldwide) in money table
Purchase APR
The interest rate you'll pay on new purchases..
Back to Purchase APR in money table
Cash withdrawal APR
The interest rate you'll pay on cash withdrawals from an ATM.
Back to Cash withdrawal APR in money table
Customer score
Which? member score based on customer satisfaction and likelihood of recommending company to friend/family member. Customer scores are based at brand level.
Customer scores based on a survey of 15,207 Which? connect online community members carried out between September 2012 and February 2013.
Wherever we display an “APPLY NOW” button in the above table, that company pays us a small fee each time someone clicks on the button. These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so. Our Best Rates tables are compiled by our independent researchers. All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.
Which? Recommended Providers
Which? Recommended Providers are companies that are both rated highly by our members and have products that meet the high standards of our researchers. Which? closely monitors the products and practices of all Recommended Providers and reserves the right to exclude any company that does not treat its customers fairly. Follow the link for a full list of WRPs.
Which? Warning Poor Satisfaction
We also understand that for many people, finding products with the best rate is a priority. But where a product from a provider with a poor customer score appears in our Best Rate tables, we'll highlight this with the warning logo. Our customer satisfaction surveys measure overall satisfaction with the provider in relation to credit cards, not individual credit cards offered by the brand. The customer score should therefore not be associated specifically with any individual credit cards. Only customer scores that are significantly below average and fall into our bottom statistical tier receive our warning. Our customer scores are updated every six months.
By naming and shaming providers which customers judge to offer poor satisfaction in these tables, we hope that companies improve their standards.
- For any financial query, call our experts on the Which? Money Helpline
- Going on holiday? Take a look at our travel insurance reviews
- Make sure your holiday is protected with our expert guide
