Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

top specialist travel credit cards

Only do this if you will always repay IN FULL to minimise interest on spending

Barclaycard Platinum Cashback

Top Overseas Spending Card: Barclaycard Platinum Cashback

This credit card has no cash withdrawal fee, charges no interest on overseas withdrawals if you pay IN FULL every month and pays 0.25% cashback on all spending until August 2023. Full info.

  • Representative APR: 21.9%

  • ATM Fee: Free

the five golden rules

To make this work, you need to know what you're doing

you get the best rates, every time, anywhere

Most debit and credit cards add a 3% non-sterling transaction fee, so spend £100 of euros and it costs £103. Yet specialist cards don’t charge this fee, meaning £100 costs £100 in every currency. This smashes owt else, including top bureaux de change.

always repay in full so there's no interest

To make this work, set up a direct debit to pay in full, or the interest cost dwarfs any gain you get from the better rate. This is only on spending, not cash withdrawals, see next point.

there are usually fees for cash withdrawals, but it's still cheap

Ideally, pay off your card as soon as you get home. This is because even if you do fully repay, there are usually cash withdrawal charges incl. interest from the day you take cash out until you repay. So the quicker you pay it, the less interest you're charged. Yet generally even with this they still beat bureaux de change.

find out if you're likely to be accepted

You need to pass a credit check to get one of these cards. To find out which you're most likely to get without the application leaving a footprint on your credit file use our Overseas Cards Eligibility Checker.

they take up to two weeks to arrive

These cards have to be sent to you and activated, so they're no good if you're going soon, but once you've got one you don't need to worry about cheap currency again. Too late to get one for this holiday? Get one for next time.

For more info & more card options (including debit cards) see Cheap Cards Abroad.

other top overseas cards

They have top exchange rates as they have no fees to exchange

Cashback on spending: Tandem*

The Tandem credit card has no fees for overseas spending (as long as you repay in full) and offers 0.5% cashback when you spend on the card abroad and in the UK. However, this card does charge interest on cash withdrawals. Full info.

  • Rep APR: 18.9%

  • ATM Fee: Free

Long-term best buy: Halifax Clarity*

The Halifax Clarity offers no fees on overseas spending, though ATM withdrawals incur interest even if you pay off the card in full – so it's best to prioritise spending where possible. Full info.

  • Rep APR: 18.9%

  • ATM Fee: Free

top pick for poorer credit scorers: aqua reward*

This card has no exchange fees and gives 0.5% cashback (max £100/yr) on spending, but has high ATM fees and interest, meaning it's cheaper to spend than withdraw cash. Full info.

  • Rep APR: 34.9%

  • ATM Fee: 3% (min £3)

what about debit or prepaid cards?

Some debit cards also offer top rates with no fees for spending or cash withdrawals. See top overseas debit cards.

Prepaid cards allow you to load them up before you go, and use them to spend or withdraw cash overseas. The best cards have good rates and low fees. It's also worth being aware that many prepaid cards give you the rate on the day you load it up, not when you spend, so there's some currency fluctuation risk. See prepaid card best buys.

The rate for the top card is yesterday's Mastercard wholesale rate, which Tandem, Halifax and Aqua use – not a rate directly from a provider itself.
We cannot be responsible for any discrepancies.

Important! How this site works is part of, a website is based on journalistic research. It does not constitute financial advice. Any information should be considered in regard to specific circumstances. All tips are followed at your own risk and should be followed up with your own research.

  • Bureaux are included based on their competitive online rates and feedback. Yet there is little regulation of foreign exchange bureaux and this site can't take any responsibility for problems that occur. Please be careful before you part with your money.

  • We don't as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it's rarely made public until it's too late.

  • Small local specialists can beat online rates, yet it's rare. Try areas with many overseas visitors e.g. Bayswater. If you spot another competitive online provider that you think merits inclusion, let us know.

  • We often link to other websites, but we can't be responsible for their content. is brought to you by This website is based on journalistic research. It does not constitute financial advice. Any information should be considered in regard to specific circumstances. All tips are followed at your own risk and should be followed up with your own research . See Full Terms &Conditions and Privacy Policy.

Explanation (of * links): Go via any link with a * by it and a contribution may be made to, which helps it stay free to use. You shouldn't notice any difference, the links don't impact the product at all and the editorial line (the things we write) is NEVER impacted by it. If it isn't possible to get an affiliate link for the best product, it's still included in exactly the same way. As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for the same things: aqua, , Halifax, Tandem . Read more about how this site is financed. is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.

Please read the Full Terms & Conditions, Privacy Policy, Cookies Q&A, How this site is financed and MSE's Editorial Code. Limited is an appointed representative of Financial Group Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 303190). Financial Group Limited, registered in England No. 3157344. Registered Office: Moneysupermarket House, St. David's Park, Ewloe, CH5 3UZ.