spending abroad

susan_morse

Is it better to use a credit card which has no foreign transaction fees or my tesco clubcard - which although incurs a transaction fee of 2.75%,  appears to earn me 1000 points for each £100 spend.

Russ66

AFAIK you only earn 1 point for every £8 spent outside of Tesco.

TadleyBaggie

A free free card would better than using the Clubcard.

grumpy_codger

susan_morse said:

...incurs a transaction fee of 2.75%,  appears to earn me 1000 points for each £100 spend.

appears or earns?

https://secure.tesco.com/clubcard/collect-points : "Shop online and in-store Spend £1, get 1 point". 

If you spend them in Tesco, 100 points = £1, i.e. it's 1% cashback.

sausage_time

Best to look here...

https://www.moneysavingexpert.com/credit-cards/travel-credit-cards/

MyRealNameToo

susan_morse said:

Is it better to use a credit card which has no foreign transaction fees or my tesco clubcard - which although incurs a transaction fee of 2.75%,  appears to earn me 1000 points for each £100 spend.

Check your figures as that wasnt the rate last time I looked. 

Clubcard tends to be a 1% rebate, so paying 2.75% to get 1% back doesnt stack up. Certainly historically you could do other things with club card points that were more valuable than spending them in Tescos so you really need to work out what the points value to you is and if its more or less than 2.75%