Get the best credit card for your Easter holidaysApply now to avoid credit card charges abroad

28 February 2011

If you’re planning an Easter holiday abroad, you can save money on purchases by applying now for a Best Rate credit card for overseas use.

What’s different about the best credit cards for overseas?

Most credit cards charge you a fee of around 2.75% to 3% for every transaction abroad. With a series of purchases, this can add a significant amount to the cost of your Easter break.

Some cards are different – they don’t charge this extra fee on purchases. Saga and Post Office, for example, are both Which? recommended providers for credit cards and offer cards that won’t charge you extra for overseas purchases. The Saga card, available to over-50s, also comes with a 9-month 0% deal on purchases.

Nationwide has also recently launched a new overseas credit card deal. The card offers very good value for some users, although we think it’s unnecessarily complicated. Read our news story about the new Nationwide card for more details.

Extra protection with a credit card

It’s a good idea to pay for big purchases abroad using your credit card as you get more protection. Section 75 of the Consumer Credit Act makes your credit card company equally liable with the retailer if there’s a problem with an item costing over £100 and up to £30,000. This cover is particularly useful for purchases overseas as it would be near impossible to approach the retailer for a refund or replacement once you’re back in the UK.

For more details on section 75, read the Which? guide your rights when paying by credit card.

Get the best credit card for overseas

For the latest deals on credit cards to use on holiday, read the Which? best credit cards for overseas use reviews.

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