creeit card 0% balance transfer & no charge for foriegn transactions

RP2010

I am planning a holiday to the USA and would like to have a credit card on which I can make a 0% balance transfer to pay for the holiday but also buy tickets for attractions before I go in foreign currency without charges. Does anyone know of a card that offers both please?

Nile

Hi, we move threads if we think they’ll get more help elsewhere (please read the forum rule) so this post/thread has been moved to another board. If you have any questions about this policy please email forumteam@moneysavingexpert.com.

I’ve moved your thread from the ‘I wanna’ board to the ‘Credit Cards’ board, where it is better suited.

Regards

Nile

flower77g

Virgin Money travel credit card
Nationwide credit card (if an existing Nationwide member)


will both give 12 months at 0% (there is a BT fee though)

onlyfoolsandparking

I know you can get a 26 month 0% BT and 26 month 0% on purchases from Virgin as I got it BUT I don't know if it allows foreign currency exchange purchases at 0% too, in fact I don't think a card like that exists, maybe Halifax Clarity but does it offer 0% BT,s not sure


Others might know more than me.

YorkshireBoy

RP2010 wrote: »

I am planning a holiday to the USA and would like to have a credit card on which I can make a 0% balance transfer to pay for the holiday

Why? Have you already paid on another credit card which is not on 0% interest?

but also buy tickets for attractions before I go in foreign currency without charges. Does anyone know of a card that offers both please?

Have a look at the Post Office credit card product(s).

RP2010

Thanks Nile. I am new to this and for some reason could not find a way to post on the credit card thread. I appreciate your help.

RP2010

Thanks for your reply Yorkshireboy. I am planning on paying on my M & S credit card which I use for daily purchases and pay off each month and then transferring the balance onto a 0%. I didn’t necessarily want to apply for two different credit cards as I don’t know how it will affect my credit rating.

RP2010

Thanks for all your advice, I took a look at all the suggestions and have successfully applied for a Nationwide Select Credit card which offers me %on balance transfers and no foreign transaction charges. Sorted!

chattychappy

RP2010 wrote: »

I didn’t necessarily want to apply for two different credit cards as I don’t know how it will affect my credit rating.

Two searches would have been fine. If you applied in quick succession (within a few days), then the second lender wouldn't see that the first account had been opened, so this aspect wouldn't affect the second application.

Once both accounts have been opened, I don't think your situation would be any worse than having one but with a higher balance, but it is a dark art.

But anyway, seems like you found a good solution anyway! I assume you've got interest free on purchases too?

Alexd52

The only issue with having a 0% BT on the same card that you are spending on means that you will likely be paying interest from the moment of purchase when using abroad. That is assuming that you have a 0% BT live when you make the purchases.

chattychappy

Alexd52 wrote: »

The only issue with having a 0% BT on the same card that you are spending on means that you will likely be paying interest from the moment of purchase when using abroad. That is assuming that you have a 0% BT live when you make the purchases.

Hence my remark about 0% on purchases. I did a google and it seems there is a Select which offers 0% on both.