Looking for credit card 0% on purchases and fee free spending abroad

shezam

Hi all,
As the title says really.  Looking for a card I can spend here and abroad with no fee. But also looking for 0% on purchases for a number of months.  Can anyone direct me?  Thanks

jbrassy

Do you need to have both with one card? You could just get two separate cards?

If you're worried about the impact on credit score/history/file, apply for a zero percent card first, then apply for a travel credit card. If you can't get the travel credit card, just get a debit card instead, such as Chase, Starling, of First Direct.

shezam

jbrassy said:

Do you need to have both with one card? You could just get two separate cards?

If you're worried about the impact on credit score/history/file, apply for a zero percent card first, then apply for a travel credit card. If you can't get the travel credit card, just get a debit card instead, such as Chase, Starling, of First Direct.

yes i absolutely could. I just thought there would be cards that do both! thanks for your comment.

CliveOfIndia

As far as I'm aware, there are no cards currently on the market that offer both benefits.  There are several now that are good for fee-free foreign-currency transactions (Halifax Clarity is one of the old favourites, but there are now several competitors, some of which are even better),  The 0% on purchases tends to be limited to Sterling transactions (at least, they don't offer the no-FX-fee that the "travel" cards do).  I tend to agree, you're probably better off going for two separate cards.  This article should hopefully give you a good starting point: https://www.moneysavingexpert.com/borrowing/

macy08

If  you are already with Nationwide then https://www.nationwide.co.uk/credit-cards/member-credit-card/

surreysaver

macy08 said:

If  you are already with Nationwide then https://www.nationwide.co.uk/credit-cards/member-credit-card/

I'm going abroad for the first time in ages. So, did all the research and applied for the Halifax Clarity. Then came across the new NatWest Travel credit card and applied for that as it gives rewards, but got a miserly credit limit.
Worked out whether it would be cheaper to just use a normal 0% card and pay the foreign transaction fee 
Now come across your post, applied for the Nationwide All Rounder. Got a credit limit ten times what NatWest gave me, another 50% more than what Halifax gave me. Why doesn't this card show up in any tables?

shezam

surreysaver said:

macy08 said:

If  you are already with Nationwide then https://www.nationwide.co.uk/credit-cards/member-credit-card/

I'm going abroad for the first time in ages. So, did all the research and applied for the Halifax Clarity. Then came across the new NatWest Travel credit card and applied for that as it gives rewards, but got a miserly credit limit.
Worked out whether it would be cheaper to just use a normal 0% card and pay the foreign transaction fee 
Now come across your post, applied for the Nationwide All Rounder. Got a credit limit ten times what NatWest gave me, another 50% more than what Halifax gave me. Why doesn't this card show up in any tables?

This would be fab if i was a member! exactly what i'm looking for. Oh well.  Thank you!

surreysaver

shezam said:

surreysaver said:

macy08 said:

If  you are already with Nationwide then https://www.nationwide.co.uk/credit-cards/member-credit-card/

I'm going abroad for the first time in ages. So, did all the research and applied for the Halifax Clarity. Then came across the new NatWest Travel credit card and applied for that as it gives rewards, but got a miserly credit limit.
Worked out whether it would be cheaper to just use a normal 0% card and pay the foreign transaction fee 
Now come across your post, applied for the Nationwide All Rounder. Got a credit limit ten times what NatWest gave me, another 50% more than what Halifax gave me. Why doesn't this card show up in any tables?

This would be fab if i was a member! exactly what i'm looking for. Oh well.  Thank you!

Become a member. I wonder if they'd let you open a credit card at the same time as a current account?

Superhoopza

Nationwide, whilst slow with their responses, are fantastic at providing credit and high limits.

Nebulous2

surreysaver said:

shezam said:

surreysaver said:

macy08 said:

If  you are already with Nationwide then https://www.nationwide.co.uk/credit-cards/member-credit-card/

I'm going abroad for the first time in ages. So, did all the research and applied for the Halifax Clarity. Then came across the new NatWest Travel credit card and applied for that as it gives rewards, but got a miserly credit limit.
Worked out whether it would be cheaper to just use a normal 0% card and pay the foreign transaction fee 
Now come across your post, applied for the Nationwide All Rounder. Got a credit limit ten times what NatWest gave me, another 50% more than what Halifax gave me. Why doesn't this card show up in any tables?

This would be fab if i was a member! exactly what i'm looking for. Oh well.  Thank you!

Become a member. I wonder if they'd let you open a credit card at the same time as a current account?

It's a long time since I did it - possibly 2016, but that is exactly what Nationwide did for me. I was opening a bank account online, and they sent a message saying if I applied for a credit card at the same time I would only need one hard search. They even gave an indicative limit. 

Nasqueron

surreysaver said:

macy08 said:

If  you are already with Nationwide then https://www.nationwide.co.uk/credit-cards/member-credit-card/

I'm going abroad for the first time in ages. So, did all the research and applied for the Halifax Clarity. Then came across the new NatWest Travel credit card and applied for that as it gives rewards, but got a miserly credit limit.
Worked out whether it would be cheaper to just use a normal 0% card and pay the foreign transaction fee 
Now come across your post, applied for the Nationwide All Rounder. Got a credit limit ten times what NatWest gave me, another 50% more than what Halifax gave me. Why doesn't this card show up in any tables?

It's likely not shown as they don't pay commission - many sites will push the ones they get paid for, sites like MSE do offer cards that are particularly noteworthy that they don't get paid for but if it is similar to other offers, they often won't