The Cheapest Credit Cards to use Abroad

With the annual summer holidays just around the corner for many people, it will be time to think about sorting the holiday finances.

Many of us still like to take our trusty plastic when we travel, but is the card in your wallet that you use in the UK it really fit for purpose when overseas?

The table below shows how much each credit card will cost you based on a spend of £2250 (in foreign currency), including 5 ATM withdrawals of £150 each.

Pick the wrong card and you’ll see the charges could be more than £100 – just think what you could do with that when on holiday – that’s a really good meal with plenty of drinks thrown in!

Check the table below to see how your existing credit card stacks up and whether it’s time to apply for something more suitable.

If your credit rating prevents you getting a new credit card, don’t worry all is not lost, you can still apply for a super low cost prepaid card from the likes of CaxtonFX or WeSwap

Credit cardNon sterling charge for credit card purchasesNon sterling charge for ATM credit card cash transactionsOverseas ATM withdrawal feeMinimum ATM withdrawal fee** Total cost
Halifax Clarity Credit Card0.00%0.00%0.00%£0.00£0.00
Metro Bank (Free in Europe only)0.00%0.00%0.00%£0.00£0.00
Santander Zero0.00%0.00%0.00%£0.00£0.00
Tandem bank0.00%0.00%0.00%£0.00£0.00
NatWest Credit Card0.00%0.00%3.00%£0.00£22.50
Yorkshire Bank B Card0.00%0.00%3.00%£3.00£22.50
Barclaycard Platinum2.99%2.99%0.00%£0.00£67.27
John Lewis Partnership Card2.75%2.75%2.50%£2.50£80.62
NatWest Reward Card2.75%2.75%3.00%£0.00£84.37
RBS Reward card2.75%2.75%3.00%£3.00£84.37
Sainsbury's Bank2.75%2.75%3.00%£3.00£84.37
The Co-operative Bank Bank2.75%2.75%3.00%£3.00£84.37
Bank of Scotland2.95%2.95%3.00%£3.00£88.87
Clydesdale Bank2.95%2.95%3.00%£3.00£88.87
Halifax2.95%2.95%3.00%£3.00£88.87
Lloyds Bank Platinum2.95%2.95%3.00%£3.00£88.87
Yorkshire Bank Gold2.95%2.95%3.00%£3.00£88.87
First Direct Gold2.99%2.99%2.99%£3.00£89.71
HSBC2.99%2.99%2.99%£3.00£89.71
M&S Bank2.99%2.99%2.99%£3.00£89.71
American Express2.99%2.99%3.00%£3.00£89.78
Tesco Bank2.75%2.75%3.99%£0.00£91.79
MBNA2.95%2.95%5.00%£0.00£103.87
Virgin Money2.99%2.99%5.00%£0.00£104.77
**Cost based on a family 2 week holiday with 5 x £150 (currency equivalent) cash withdrawals and 20 credit card purchases totalling £1500. Total holiday spend £2250. Figures correct as at 04.06.2019

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