Best credit cards to use in europe.

CHRIS496

I am currently working in Europe and use my Lloyds MasterCard for most transactions. On looking at my bill the exchange rate they are using is about 0.3 on top of the daily FX Rate. Does anyone know a better Credit Card to use in Europe which has a lower exchange rate.

Neil49

The Halifax Clarity card is your best option. More information is available within the main MSE website.

https://www.moneysavingexpert.com/travel/cheap-travel-money

vouch0r

or aqua, i was declined for a clarity but accepted for this and used in Scandinavia no problems.

labp04

. . . or MetroBank (Credit and Debit cards) or SAGA cc if over 60

System

Offering financial advice?
The Creation card is also his/her 'best option' to use your wording.

Neil49 wrote: »

The Halifax Clarity card is your best option. More information is available within the main MSE website.

www.moneysavingexpert.com/travel/cheap-travel-money

robatwork

Just been using my Halifax Clarity card in europe and no problems with it being accepted anywhere.

Biggles

Heng_Leng wrote: »

The Creation card is also his/her 'best option' to use your wording.

Is it? Para 5.2 of their T&Cs says, 'We will convert transactions in foreign currency (including Euros) into sterling at the exchange rate set or applied by MasterCard, LINK, any relevant bank or Travelex (as appropriate) on the date the Cash Advance, Standard Purchase or Promotional Purchase is processed. We will also charge a commission for the currency conversion at the rate in force from time to time as notified to you in writing'.

Edit: The FAQs state that it is 2.99%, ie the same as most other credit cards, and the cash handling charge is 5% (£5 min), quite a bit higher than most other cards.