Most popular credit cards for overseas spending revealedSaga, Halifax and Post Office among front runners

03 June 2015

Gold credit card in between two white credit cards

The summer holidays are just around the corner, and some holidaymakers may be thinking about the best way to spend money on their trip. 

One option is a specialist overseas credit card, which if used properly, can provide a convenient, cost-efficient method of spending money overseas. 

These specialist cards generally do not impose charges, known as loading fees, for making overseas transactions, and some don't add a charge for ATM withdrawals either.  

In order to ensure you pay no interest on money owed, you'll need to pay off any outstanding balances in full every month. 

Here, we take a look at the three specialist overseas credit cards which have attracted the most application queries from users of our Which? Money Compare Tables throughout 2015. For each card, we have included a link to the Which? Money Compare tables where you can find more details. 

Which? Money Compare Table: Credit cards for overseas spending - find a great deal 

3rd - Post Office Platinum Credit Card

This credit card will charge no foreign loading fees on overseas transactions, nor a cash fee if you buy foreign currency from the Post Office before you leave on you travels. 

You'll pay no interest on balance transfers in the first 18 months of owning the card, although there is a balance transfer fee of 2.98%. You'll also pay no interest on any purchases made in the first three months. The APR is 17.8%.

Click here for more details about this card. 

2nd - Halifax Clarity Credit Card

This credit charges no foreign loading fees on overseas transactions, nor a fee for making cash withdrawals from an overseas ATM, although you will pay interest on cash withdrawals from the day they are made. The APR is 18.9%

Click here for more details about this credit card.

1st - Saga Over 50s Platinum Credit Card

This credit card, available exclusively for those aged 50 and over, also charges no foreign loading fees on overseas transactions.  

You'll pay 0% interest on balance transfers and purchases for nine months, although the balance transfer fee is 3.0%.  

The APR is 11.9%. Click here for information about this card.  

Reward cards for frequent flyers

If you frequently travel overseas, you might be tempted by a credit card which offers rewards in the form of airmiles or hotel vouchers.

The Which? Money Compare tables let you search for reward cards from providers large and small to choose a great deal based on quality of service as well as cost and benefits.

Which? Money Compare Table: Airline credit cards - find a great deal 

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