Compare Travel Credit Cards

Earn cash back, travel rewards and other benefits with these cards, some of which are from our partners.

barclaycard platinum travel credit card

Our review: The Barclaycard Platinum Travel Credit Card is one of the few cards you can get which does not have any fees for foreign purchases or cash withdrawals. Additionally, if you pay your card off each month in full, you won’t be charged interest on the cash you withdraw while abroad. Most other cards will charge interest on cash withdrawals on a daily basis.

Benefits
  • You won’t incur fees for foreign purchases or withdrawing cash abroad.
  • You are not charged interest on foreign cash withdrawals at a high daily APR like most other credit cards. You must pay the monthly balance off in full though to get this benefit.
  • You’ll get 0% interest for the first 12 months on any purchases you make; then you’ll pay 19.9% APR (variable).
disadvantages
  • This card is not available to you if you’re an existing Barclaycard customer or have had a Barclaycard within the past six months.
  • UK cash withdrawals are not fee free. Any cash you withdraw in the UK will be subject to a 2.99% fee, minimum £2.99. You will also be charged interest on UK cash withdrawals at a rate of 27.9% APR.
Eligibility
  • You must be over 21 years of age
  • You need to have a good credit history and not had any Individual Voluntary Agreements, County Court Judgements or been declared bankrupt in the past six years
  • You must have had a permanent address in the UK for > 3 months
  • You must have an income of £20,000 per year or more

travel benefits

No foreign transaction fees, no foreign cash withdrawal charges, no interest charges on foreign cash withdrawals if you pay off the balance in full each month.

APR

19.9%

Annual Fee

None

Credit Eligibility

You need to be over 21 and have a good credit rating to qualify for this card. You must have had a permanent address in the UK for over 3 months. You must have an income of over £20,000 per year or more.

Representative Example: 19.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 19.9%.

post office money platinum credit card

Our review: There are a few reasons why this is a great travel credit card. Firstly there is no annual fee and secondly, there are no foreign exchange charges. When you make purchases abroad you get the Mastercard wholesale exchange rate. Additionally there are no commission charges when you buy foreign currency at The Post Office.

advantages
  •  You pay 0% interest on card purchases for 28 months, then 18.9% APR (variable)
  • You pay 0% interst on balance transfers for 18 months for transfers made within 3 months of account opening , then 18.9% APR (variable), a 2.89% fee applies
  • No commission charges when you buy travel money at the Post Office
  • No foreign currency charges on foreign purchases
disadvantages
  • The APR you receive will depend on your credit profile, (it could be 18.9% or 22.9%)
  • You must make your balance transfer within 3 months of opening your account to get the promotional rate
Eligibility
  • You need to be over 18 years old.
  • Only residents of England, Scotland, Wales and Northern Ireland can apply.

Travel Benefits

No Foreign Purchase Fees. No Travel Money Commission.

APR

18.9%

Annual Charge

None

Eligibility

You need to be over 18 years old. Only residents of England, Scotland, Wales and Northern Ireland can apply.

Representative Example: 18.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 18.9%.

santander zero credit card

Our review: The Santander Zero travel credit card allows you to withdraw cash globally without incurring a cash withdrawal fee, that’s a great travel benefit. Watch out though as you’ll be charged 29.9% interest on the cash you withdraw. Additionally, there are no transaction fees when you make a purchase abroad.

advantages
  • You’ll pay no foreign transaction fees when you use the card abroad.
  • You can withdraw cash around the world without paying a cash withdrawal fee.
  • You don’t pay an annual fee with the Santander Zero Card.
disadvantages
  • When you withdraw cash you are charged a high rate of interest APR 29.9% from the date of transaction.
Eligibility
  •  You need to be over 18 years old.
  • Only permanent UK residents can apply.
  • You need to have an income of at least £7,500/annum.
  • You need a good credit history, no CCJs or bankruptcy.

Travel Benefits

No Foreign Purchase Fees. No Cash Withdrawal Fees.

APR

18.9%

Annual Charge

None

Eligibility

You need to be over 18 years old. Only UK residents. You need to have an income > £7500/annum and have a good credit history.

Representative Example: 18.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 18.9%.

santander all in one credit card

Our review: The Santander All In One Credit Card is a good all-rounder. Great for travel with no foreign currency transaction fees, 15.9% APR and 30 months 0% balance transfers. Unfortunately, the downside is this card comes with an annual fee of £36.00.

Benefits
  • Great for travel because there is a 0% transaction fee when using the card abroad
  • 0% for 30 months on balance transfers, then 15.9% p.a. (variable) (0% balance transfer fee)
  • 0% for 30 months on purchases, then 15.9% p.a. (variable)
  • 0.5% cashback on all purchases, no limits or caps
  • Even better if you have a Santander 1|2|3 Account as the monthly fee is waived for 6 months.
disadvantages
  • There’s a monthly charge of £3 you have to pay
  • You can’t transfer balances from other Santander accounts, this includes cahoot
  • You’ll be faced with a 3% balance transfer fee if you don’t transfer your balance during the introductory period
Eligibility
  • You must be over 18 years of age
  • You need to have a good credit history
  • You must have a permanent address in the UK
  • You must have an income of £7,500 per year or more

TRAVEL BENEFITs

No Foreign Transaction Fees.

APR

15.9%

Annual charge

£36.00

Credit Eligibility

You need a good credit rating to qualify for this card. You must have had a permanent address in the UK. You must have an income of £7,500 per year or more.

Representative Example: 15.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 15.9%.

virgin money travel credit card

Our review: With the Virgin Money Travel Credit Card you won’t be charged any fees for making purchases abroad, but you should beware of the high 5% charge if you withdraw cash while you’re away.

Benefits
  • You won’t pay any foreign usage fees on purchases made abroad.
  • You won’t pay any interest on purchases made on the Virgin card for 12 months, you’ll then pay 19.9% APR (variable)
  • You can make balance transers interest free for 12 months, then you’ll pay 19.9% APR (variable)
  • You can earn cash back with Virgin Money Back participationg outlets online.
disadvantages
  • You’ll pay a high 5% charge if you withdraw cash while you’re away.
  • If you transfer any balances after the initial 60 days you’ll pay 5% of the balance transfer amount.
  • You can’t transfer balances from any other Virgin Money credit cards.
Eligibility
  • You must be over 18 years of age
  • You must have a permanent address in the UK
  • You must have a UK bank or building society account.

TRAVEL BENEFITs

No Foreign Transaction Fees.

APR

19.9%

Annual charge

None

Credit Eligibility

You must be over 18 years of age. You must have a permanent address in the UK. You must have a UK bank or building society account.

Representative Example: 19.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 19.9%.

aqua Advance Credit Card

Our review: Aqua Advance is an excellent travel credit card option if you are a credit builder who is travelling abroad. The key benefit is that when you make purchases overseas, you won’t pay foreign transaction fees. Beware though the cost of withdrawing cash is 3% with a minimum £3.00 fee.

Benefits
  • If you pay on time and keep to your credit limit the APR can reduce to 19.9%.
  • The initial credit limit will be between £250 – £1,200, this may increase after 3 months.
Charges
  • Cash Advance 3% of the amount of the transaction (£3 minimum)
  • Balance Transfer 3% of the amount of the transaction (£3 minimum)
  • Money Transfer 3% of the amount of the transaction (£3 minimum)
  • Copy Statement £5
  • Non-Sterling Transaction fee 0.00% of the amount of the sterling transaction value
  • Cash fee 3% of the amount of the transaction (£3 minimum)
  • Late Payment Fee £12
  • Overlimit Fee £12
  • Returned Payment Fee £12
Eligibility
You need to be over 18 years old. You need a permanent UK address. You need a current UK bank or building society account. You must not have been made bankrupt in the last 18 months or be facing court proceedings. You must not have had a CCJ in the last 12 months.

travel benefits

No Foreign Transaction Fees.

apr

34.9%

Annual charge

None

Credit Eligibility

You must not have been made bankrupt in the last 18 months or be facing court proceedings. You must not have had a CCJ in the last 12 months.

Representative Example: Representative 34.9% APR (variable) based on an assumed credit limit of £1,200.

american express platinum charge Card

Our review: The American Express Platinum Charge Card is not a travel credit card. You have to pay off the full balance on the charge card every month. There’s also a hefty £450 annual charge, so it’s essential that you get maximum value from the travel benefits.

Benefits
  • You’ll get 30,000 Membership Rewards points when you spend £2,000 within 90 days. The Membership Rewards points can be converted into Avios.
  • For every £1 you spend you receive an additional Membership Point in your account.
  • You’ll get comprehensive travel insurance for yourself and your family.
  • You’ll get insurance for your rental car, even if you don’t book the hire car on your card.
  • You’ll automatically get preferred status with several hotel chains: Gold in Starwood Preferred Guest; Gold in Club Carlson; Gold in Hilton Honors; Jade in Shangri-La Golden Circle; Gold in Melia Rewards
  • You’ll get Priority Pass lounge access which allows you and a guest to relax at over 1,000 airport lounges across the world for free, including the Aspire lounge in Heathrow Terminal 5.
disadvantages
  • American Express is not as widely accepted as Visa or Mastercard
  • You are not getting a credit card, this is a charge card and you must pay this card off in full each month
  • There is a high £450 annual fee
Eligibility
  • You need to be aged over 18
  • You need to have a UK bank or building society account
  • You need to have a permanent UK home address
  • You need a good credit history
  • If you are self-employed, you need to prove you’ve been working > 1 year

travel benefits

Extensive, including points, insurance, hotel rewards.

APR

N/a

Annual charge

£450.00

Credit Eligibility

You must be over 18, and be aUK permanent resident with a good credit history. You can be self employed.

Get more from your money.

Join millions of people using FinancialAdvisor.co.uk to make informed financial decisions about the things they want most.