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  • FIRST POST
    • GTR King
    • By GTR King 1st Jun 17, 3:19 PM
    • 671Posts
    • 121Thanks
    GTR King
    Credit card for abroad purchases
    • #1
    • 1st Jun 17, 3:19 PM
    Credit card for abroad purchases 1st Jun 17 at 3:19 PM
    bank accounts/credit cards I have
    Barclays (2 Accounts)
    TSB Classic plus
    Barclaycard Cash back (Changing in July)
    Nationwide Flex Account (Don't use it much
    HSBC Savings Closing it down)

    I am going away to USA for 2 weeks in sept & maybe Prague next year..

    I work full time earn about £19,264 & have no Debits & live at home..

    I am looking for a credit Card (Likly to be accepted only) that I can use whilst on holiday for every day purchase's e.g buying food clothes attractions etc & won't cost to much to use

    Any advice will be appreciated thanks
    Last edited by GTR King; 01-06-2017 at 3:21 PM.
Page 1
    • Candyapple
    • By Candyapple 1st Jun 17, 3:20 PM
    • 2,242 Posts
    • 1,700 Thanks
    Candyapple
    • #2
    • 1st Jun 17, 3:20 PM
    • #2
    • 1st Jun 17, 3:20 PM
    Travel cards:
    http://www.moneysavingexpert.com/travel/travel-credit-cards
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
    • TheShape
    • By TheShape 1st Jun 17, 3:50 PM
    • 988 Posts
    • 736 Thanks
    TheShape
    • #3
    • 1st Jun 17, 3:50 PM
    • #3
    • 1st Jun 17, 3:50 PM
    Check the Nationwide Select Credit card for it's eligibility requirements. It's the card that I always use for purchases abroad (and at home for purchases in a foreign currency).
    • GTR King
    • By GTR King 1st Jun 17, 4:45 PM
    • 671 Posts
    • 121 Thanks
    GTR King
    • #4
    • 1st Jun 17, 4:45 PM
    • #4
    • 1st Jun 17, 4:45 PM
    Thanks I will look at that
    • Snowbelle
    • By Snowbelle 1st Jun 17, 8:44 PM
    • 303 Posts
    • 85 Thanks
    Snowbelle
    • #5
    • 1st Jun 17, 8:44 PM
    • #5
    • 1st Jun 17, 8:44 PM
    Halifax Clarity - no fee on purchases or cash withdrawals - interest does apply but you can minimise this by paying it off quickly. Also, at the moment there is £20 cashback for accounts opened before 3rd September and making a first purchase transaction in a foreign currency by 30th September 2017
    • GTR King
    • By GTR King 1st Jun 17, 9:18 PM
    • 671 Posts
    • 121 Thanks
    GTR King
    • #6
    • 1st Jun 17, 9:18 PM
    • #6
    • 1st Jun 17, 9:18 PM
    Thanks for that but I don't bank with Halifax & not sure if I will be accepted but will have a look
    • Snowbelle
    • By Snowbelle 1st Jun 17, 10:03 PM
    • 303 Posts
    • 85 Thanks
    Snowbelle
    • #7
    • 1st Jun 17, 10:03 PM
    • #7
    • 1st Jun 17, 10:03 PM
    Thanks for that but I don't bank with Halifax & not sure if I will be accepted but will have a look
    Originally posted by GTR King
    You don't have to bank with them. I don't and got the card last year purely to use abroad. There's an eligibility checker on their website.
    • shiwen55
    • By shiwen55 1st Jun 17, 11:23 PM
    • 30 Posts
    • 1 Thanks
    shiwen55
    • #8
    • 1st Jun 17, 11:23 PM
    • #8
    • 1st Jun 17, 11:23 PM
    Get a FairFX dollar top up card, if you have cash. It's better honestly.


    I signed up for EU card from them last year, did top up with debit card (no charge, but if you use credit card, there'd be charge and also a cash handling fee by your card issuer) and used and spent in Paris with my wife


    shiwen55
    • darren72
    • By darren72 1st Jun 17, 11:32 PM
    • 989 Posts
    • 199 Thanks
    darren72
    • #9
    • 1st Jun 17, 11:32 PM
    • #9
    • 1st Jun 17, 11:32 PM
    I would recommend the Aqua Reward card. No fees for purchases and you also receive 0.5% cashback for all purchases spent on the card in the UK and abroad.
    • GTR King
    • By GTR King 2nd Jun 17, 12:10 PM
    • 671 Posts
    • 121 Thanks
    GTR King
    Is aqua any good?
    • darren72
    • By darren72 2nd Jun 17, 12:51 PM
    • 989 Posts
    • 199 Thanks
    darren72
    I've been using it for years. They have very high interest charges, but as long as you are only using it for purchases and pay it off on time there are no fees and you receive the 0.5% cashback on all your purchases.
    • eskbanker
    • By eskbanker 2nd Jun 17, 3:01 PM
    • 5,282 Posts
    • 5,037 Thanks
    eskbanker
    OP - did you read this comprehensive article, which lists the top five cards (including all those recommended in subsequent posts) with their pros and cons? I'd have thought it answers your question well and somewhat more efficiently than waiting for individual posters to mention their favoured option and investigating those one by one....
    • GTR King
    • By GTR King 4th Jun 17, 2:23 PM
    • 671 Posts
    • 121 Thanks
    GTR King
    I think I have read that
    • takman
    • By takman 4th Jun 17, 5:28 PM
    • 2,476 Posts
    • 2,066 Thanks
    takman
    Get a FairFX dollar top up card, if you have cash. It's better honestly.


    I signed up for EU card from them last year, did top up with debit card (no charge, but if you use credit card, there'd be charge and also a cash handling fee by your card issuer) and used and spent in Paris with my wife


    shiwen55
    Originally posted by shiwen55
    Why would you recommend that card when it offers a poor exchange rate?

    There are many cards (Credit, Debit and Pre-Paid) that offer almost perfect exchange rates and have no fees for cash withdrawals or spending.

    I would personally recommend the Monzo card which anyone can get and you top up using an app on your phone. Any spending instantly comes up on your phone and it offers an almost perfect exchange rate with no fees.
    • GTR King
    • By GTR King 4th Jun 17, 5:39 PM
    • 671 Posts
    • 121 Thanks
    GTR King
    Is monzo any good? I just want a card which is easy to use & won't cost loads abroad
    • takman
    • By takman 4th Jun 17, 11:06 PM
    • 2,476 Posts
    • 2,066 Thanks
    takman
    Is monzo any good? I just want a card which is easy to use & won't cost loads abroad
    Originally posted by GTR King
    I've used it abroad recently and it worked everytime for cash withdrawals and purchases. The exchange rate was almost perfect and it didn't cost me a penny in any fees so you won't get a card which is cheaper.

    My phone network also allows me to use my phone abroad for no extra cost. So i get instant notifications on the app showing my spending and the exchange rate.
    • worried jim
    • By worried jim 4th Jun 17, 11:13 PM
    • 8,410 Posts
    • 12,804 Thanks
    worried jim
    Is monzo any good? I just want a card which is easy to use & won't cost loads abroad
    Originally posted by GTR King
    There is none better.
    "Only two things are infinite-the universe and human stupidity, and I'm not so sure about the universe"
    Albert Einstein
    • GTR King
    • By GTR King 4th Jun 17, 11:33 PM
    • 671 Posts
    • 121 Thanks
    GTR King
    Thanks for that will have a look into that.

    They mentioned it on the Gadget show last friday
    • GTR King
    • By GTR King 9th Jul 17, 3:04 PM
    • 671 Posts
    • 121 Thanks
    GTR King
    Is nationwide Select Credit Card any good?

    Or can I get better?
    • takman
    • By takman 9th Jul 17, 3:48 PM
    • 2,476 Posts
    • 2,066 Thanks
    takman
    Is nationwide Select Credit Card any good?

    Or can I get better?
    Originally posted by GTR King
    The Nationwide Select Credit Card charges a min £3 fee for cash withdrawals (2.5%), so why would you think it is good?.

    You have already been told about a credit card that offers no fees on cash withdrawals and purchases (Halifax Clarity).

    Plus i have told you about the Monzo card which offers no fees on cash withdrawals or purchases and requires no credit checks.

    So why are you still asking about other cards?.
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