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  • FIRST POST
    • i7aniel
    • By i7aniel 7th Aug 18, 11:17 PM
    • 3Posts
    • 0Thanks
    i7aniel
    Best Travel Card?
    • #1
    • 7th Aug 18, 11:17 PM
    Best Travel Card? 7th Aug 18 at 11:17 PM
    To all MSE forum members
    I am in need of some help...
    Me and my girlfriend are going travelling at the end of the year for 3 months in America, we are looking for the best credit card to take with us. We want the credit card to be:
    1) Foreign usage fees to be free
    2) Some kind of interest free period (the longer the better)
    3) A high credit limit (5000 upwards)
    Any information would be greatly appreciated
    Thanks Dan
Page 1
    • stevenhp1987
    • By stevenhp1987 7th Aug 18, 11:32 PM
    • 738 Posts
    • 571 Thanks
    stevenhp1987
    • #2
    • 7th Aug 18, 11:32 PM
    • #2
    • 7th Aug 18, 11:32 PM
    1) Foreign usage fees to be free

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

    2) Some kind of interest free period (the longer the better)

    I've not seen any travel cards with more than the standard "pay by your balance due" free period.

    3) A high credit limit (5000 upwards)

    This largely depends on a variety of factors, including but not limited to, your income, your credit history.

    If you are going travelling for 3 months, it would imply either students, or a non-full time job with cash to spare. If that's the case a 5k limit is out of question. If you've been lucky with a job given you unpaid leave for so long, the only card from the travel cards, in my experience, who will give you 5k would be Barclaycard.

    Again, it depends on your credit history and your income.

    Additional Info

    Why do you need a credit card with 0% interest? Why do you need a 5k limit?

    Could you not save the money and then go? If you are students, could you not get an internship, part time job?

    USA (I assume that's what you mean by "America") is very expensive in terms of hotels, food, and drinks out compared to the prices here in the UK so expenses can wrack up very quickly!
    Last edited by stevenhp1987; 07-08-2018 at 11:34 PM.
    • i7aniel
    • By i7aniel 7th Aug 18, 11:45 PM
    • 3 Posts
    • 0 Thanks
    i7aniel
    • #3
    • 7th Aug 18, 11:45 PM
    • #3
    • 7th Aug 18, 11:45 PM
    Thanks for the reply stevenhp1987
    We both work full time but we can have up to a year off unpaid (sabbatical)
    We have been saving for a while, but will still need a good chunk of money for buying certain things e.g. theme park tickets, airbnbs and other expenses.
    We want to be able to use a credit card for the duration we are away then pay it off when we return.
    Thanks Dan
    • Craig1981
    • By Craig1981 8th Aug 18, 5:47 AM
    • 559 Posts
    • 274 Thanks
    Craig1981
    • #4
    • 8th Aug 18, 5:47 AM
    • #4
    • 8th Aug 18, 5:47 AM
    Nationwide Flex credit card is a Visa Credit card, has up to 12 months purchases at 0%, and no charge for international transactions. (pretty sure you will need nationwide flex account though)
    Santander all in one card - but charges 3 a month service fee

    as for limit - will very much depend on individual circumstances

    check eligibility checkers on free credit reporting sites like noddle, Clearscore or moneyclub...
    • CollinT
    • By CollinT 8th Aug 18, 6:42 AM
    • 9 Posts
    • 8 Thanks
    CollinT
    • #5
    • 8th Aug 18, 6:42 AM
    • #5
    • 8th Aug 18, 6:42 AM
    The Post Office Platinum Card (Mastercard) offers free overseas purchases and 28 months 0% on purchases which does include the overseas purchases, via their Platinum Card:

    I cannot post a link being new here, but google 'Post Office Platinum Credit Card,' or perhaps some other kind forum member may helpfully post the link.

    This card also has a balance transfer offer but it is not that good,

    I just use mine for overseas purchases which has worked very well whilst travelling during the past year, even in some really far out places.

    Collin
    • Craig1981
    • By Craig1981 8th Aug 18, 7:49 AM
    • 559 Posts
    • 274 Thanks
    Craig1981
    • #6
    • 8th Aug 18, 7:49 AM
    • #6
    • 8th Aug 18, 7:49 AM
    The Post Office Platinum Card (Mastercard) offers free overseas purchases and 28 months 0% on purchases which does include the overseas purchases, via their Platinum Card:

    I cannot post a link being new here, but google 'Post Office Platinum Credit Card,' or perhaps some other kind forum member may helpfully post the link.

    This card also has a balance transfer offer but it is not that good,

    I just use mine for overseas purchases which has worked very well whilst travelling during the past year, even in some really far out places.

    Collin
    Originally posted by CollinT
    here you go
    https://www.postoffice.co.uk/credit-card/platinum?campaignid=PPC_CC_0001&tmad=c&tmcampid=15 3&gclid=EAIaIQobChMIjtKIsO7c3AIV4p3tCh2g5A8hEAAYAS AAEgJCD_D_BwE
    • i7aniel
    • By i7aniel 8th Aug 18, 9:07 AM
    • 3 Posts
    • 0 Thanks
    i7aniel
    • #7
    • 8th Aug 18, 9:07 AM
    • #7
    • 8th Aug 18, 9:07 AM
    Thank you for your advice Craig1981 and CollinT
    • Anthorn
    • By Anthorn 8th Aug 18, 9:40 AM
    • 4,096 Posts
    • 1,115 Thanks
    Anthorn
    • #8
    • 8th Aug 18, 9:40 AM
    • #8
    • 8th Aug 18, 9:40 AM
    You might consider that a pre-paid card is better mainly because you can buy your currency in advance when the exchange rate is more favourable.

    Personally in the realm of pre-paid travel currency cards I go more for reliability than cost. That's because any likely saving on a holiday trip is going to be negligible depending of course on how much is spent.

    I have never had a problem with FairFX nor Travelex but even so I still take a back up card on every trip.
    • takman
    • By takman 8th Aug 18, 12:56 PM
    • 3,786 Posts
    • 3,450 Thanks
    takman
    • #9
    • 8th Aug 18, 12:56 PM
    • #9
    • 8th Aug 18, 12:56 PM
    You might consider that a pre-paid card is better mainly because you can buy your currency in advance when the exchange rate is more favourable.

    Personally in the realm of pre-paid travel currency cards I go more for reliability than cost. That's because any likely saving on a holiday trip is going to be negligible depending of course on how much is spent.

    I have never had a problem with FairFX nor Travelex but even so I still take a back up card on every trip.
    Originally posted by Anthorn
    Why would you use either of those cards? your just throwing money away for no reason.

    You don't get a perfect exchange rate so when you top it up you loose some money. A quick look at the fees shows that you have to pay a fee to withdraw money from cash machines. You also have the chance that you don't use all the money on the card so have to pay a fee to change it back!.

    I know you have a Starling account which offers almost perfect exchange rates and no fee cash withdrawals so why wouldn't you use that as your primary card?
    You could also get some other cards which offer similar as backups.

    In reference to your first point of "buy your currency in advance when the exchange rate is more favourable".
    Well if you know how exchange rates are going to change over time then you should be trading in Forex as you will be able to make some big money!
    • EveryWhere
    • By EveryWhere 8th Aug 18, 1:10 PM
    • 1,037 Posts
    • 498 Thanks
    EveryWhere
    Nationwide Flex credit card is a Visa Credit card, has up to 12 months purchases at 0%, and no charge for international transactions. (pretty sure you will need nationwide flex account though)
    Santander all in one card - but charges 3 a month service fee

    as for limit - will very much depend on individual circumstances

    check eligibility checkers on free credit reporting sites like noddle, Clearscore or moneyclub...
    Originally posted by Craig1981
    No such thing as a Flex CC. I guess you meant Select.

    The All In One isn't a bad option. 3 per month isn't that bad.
    Virgin have just suspended applications for their Travel CC.
    They certainly shouldn't depend on a single card.
    Holiday on credit? Hmmmmm
    • Craig1981
    • By Craig1981 8th Aug 18, 4:25 PM
    • 559 Posts
    • 274 Thanks
    Craig1981
    No such thing as a Flex CC. I guess you meant Select.
    Holiday on credit? Hmmmmm
    Originally posted by EveryWhere
    yeah my bad... select CC, Flex Current Accounts... oops!
    • Craig1981
    • By Craig1981 8th Aug 18, 4:28 PM
    • 559 Posts
    • 274 Thanks
    Craig1981
    Holiday on credit? Hmmmmm
    Originally posted by EveryWhere
    maybe holiday all paid for an this if for emergencies?? (just looking at glass half full)
    • Alisha2008
    • By Alisha2008 8th Aug 18, 5:13 PM
    • 1,081 Posts
    • 580 Thanks
    Alisha2008
    Halifax Clarity, it's the one I have for travelling and it ticks all the boxes.
    • eskbanker
    • By eskbanker 8th Aug 18, 5:22 PM
    • 8,746 Posts
    • 10,007 Thanks
    eskbanker
    Halifax Clarity, it's the one I have for travelling and it ticks all the boxes.
    Originally posted by Alisha2008
    It may tick all your boxes but doesn't meet OP's stated desire for a 0% interest period, unlike some other options put forward above....
    • NoodleDoodleMan
    • By NoodleDoodleMan 9th Aug 18, 2:41 PM
    • 677 Posts
    • 231 Thanks
    NoodleDoodleMan
    We want to be able to use a credit card for the duration we are away then pay it off when we return.
    Then you want the Barclaycard Platinum Travel Card, which is absolutely the best deal around at the present time.

    https://www.barclaycard.co.uk/personal/credit-cards/platinum-travel-credit-card

    Assuming you can get a high enough credit limit to meet your needs- however, if that's a problem, it's also likely to be the same with all credit card providers.

    As mentioned above, you won't get 3 months interest free credit on a "user friendly" cc which has no fees for foreign usage.

    However, if you have sufficient funds available in a UK bank account, as you seem to suggest, you can settle the balance in full by online payment using a tablet, iPad or whatever by the appropriate date due to avoid interest charges being applied.

    Assuming you have internet access of course.

    If you have the funds available to cover all your outlays over the 3 months you appear to be good to go.
    • PamBryStevens
    • By PamBryStevens 10th Aug 18, 9:22 AM
    • 1 Posts
    • 0 Thanks
    PamBryStevens
    My apologies for butting into this conversation, but I have a slightly related question.
    I am off to the US next month for a couple of weeks, and purchased some cash a while back when the exchange rate was better, but I will need a bit more, and the exchange rate is now rubbish! I use a Halifax Clarity card for my foreign travel, and know that it is a good way to buy and pay off, but is it a decent way to get cash from an ATM in the US? Many thanks in advance Bryan
    • agrinnall
    • By agrinnall 10th Aug 18, 12:39 PM
    • 21,689 Posts
    • 17,565 Thanks
    agrinnall
    My apologies for butting into this conversation,
    Originally posted by PamBryStevens

    Please start your own thread rather than hijacking another.
    • redux
    • By redux 10th Aug 18, 1:02 PM
    • 18,711 Posts
    • 25,033 Thanks
    redux
    Assuming you can get a high enough credit limit to meet your needs- however, if that's a problem, it's also likely to be the same with all credit card providers.
    Originally posted by NoodleDoodleMan
    If it is, there is no rule against making more than one payment in a month, or early, before the items have appeared on a statement.
    • NoodleDoodleMan
    • By NoodleDoodleMan 10th Aug 18, 7:32 PM
    • 677 Posts
    • 231 Thanks
    NoodleDoodleMan
    If it is, there is no rule against making more than one payment in a month, or early, before the items have appeared on a statement.
    True - just keep topping up their cc account to clear the balance as it nears its credit limit.

    If the OP and his lady have the funds in hand to cover all their outlays (as seems to be suggested) - then they might just as well consider a "user friendly" debit card - Starling being the best deal IMO - and simply Pay As You Go on it.
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