Compare Our Best Travel Credit Cards for 2025- Times Money Mentor

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class="c-articleHeader__date"> <p>Updated <time> February 7, 2025</time></p> </div> </div> </div> </div> </div> </header> </div>  <section class="s-reArticleMain s-reArticleMain--blog"> <div class="s-reArticleMain__mobileTableOfContent"> <div class="c-relatedCards--tableOfContents js-relatedCards"><div class="c-relatedCards__scrollGradient"><div></div></div><div class="c-relatedCards__title--arrow js-relatedCards__button"> <h3>In this guide</h3> <img src="https://www.thetimes.com/money-mentor/wp-content/themes/money-mentor/resources/assets/icons/keyboard_arrow_up.svg" width="12" height="8" alt="Toggle table of content" aria-hidden="true"> </div><div class="c-relatedCards__wrapper js-relatedCards__wrapper"><div class="c-relatedCards__list js-tableOfContent"><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#what-is-a-travel-card">What is a travel card? </a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#Best-travel-debit-cards">The best travel debit cards</a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#best-credit-card">Best travel credit cards to use abroad in 2025</a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#Best-pre-paid-travel-cards">Best prepaid travel cards</a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#Is-it-better-to-use-a-credit-card-or-debit-card-abroad?">Is it better to use a credit card or debit card abroad?</a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#what-exchange-rates-are-used-for-travel-cards">What exchange rates are used for travel cards?</a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#Watch-out-for-credit-cards-and-ATMs">Watch out for credit cards and ATMs</a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#exchange-your-money-for-foreign-cash">Exchange your money for foreign cash</a></div></div></div></div> </div> <div class="container"> <div class="row md:flex flex-wrap"> <div class="col w-full lg:w-1/12"> <div class="s-reArticleMain__leftSidebar s-reArticleMain__leftSidebar--sticky"> <div class="c-iconDesc c-iconDesc--multiple c-iconDesc--desktop"> <div class="c-iconDesc__wrapper"> <span class="c-iconDesc__desc"> Share </span> <div class="c-nk-copyToClipboard"> <button class="c-nk-copyToClipboard__action js-copyToClipboard" data-clipboard-action="copy" data-clipboard-text="https://www.thetimes.com/money-mentor/loans-credit-cards/credit-cards/best-credit-cards-abroad"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none"><path d="M8.12511 9.81215C8.4178 9.51949 8.74249 9.27817 9.08784 9.08751C11.0126 8.02687 13.4808 8.59086 14.7182 10.4668L13.2208 11.9634C12.7914 10.9841 11.7254 10.4268 10.6646 10.6641C10.2653 10.7535 9.8859 10.9528 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17.34 33.66 16 32 16C30.34 16 29 17.34 29 19C29 19.24 29.04 19.47 29.09 19.7L22.04 23.81C21.5 23.31 20.79 23 20 23C18.34 23 17 24.34 17 26C17 27.66 18.34 29 20 29C20.79 29 21.5 28.69 22.04 28.19L29.16 32.35C29.11 32.56 29.08 32.78 29.08 33C29.08 34.61 30.39 35.92 32 35.92C33.61 35.92 34.92 34.61 34.92 33C34.92 31.39 33.61 30.08 32 30.08Z" fill="#078CD0"/> <path d="M26 49C13.2975 49 3 38.7025 3 26H1C1 39.8071 12.1929 51 26 51V49ZM49 26C49 38.7025 38.7025 49 26 49V51C39.8071 51 51 39.8071 51 26H49ZM26 3C38.7025 3 49 13.2975 49 26H51C51 12.1929 39.8071 1 26 1V3ZM26 1C12.1929 1 1 12.1929 1 26H3C3 13.2975 13.2975 3 26 3V1Z" fill="#078CD0"/> </svg> </button> <span class="c-iconDesc__desc js-native-share-result">Share</span> </div> </div> </div> </div> </div> </div> <div class="col w-12/12 sm:w-full md:w-10/12 lg:w-8/12"> <div class="s-reArticleMain__image"> <div class="s-reArticleMain__image_placeholder"> <img src="https://www.thetimes.com/money-mentor/wp-content/uploads/2023/07/GettyImages-1369010744.jpg?quality=75&strip=all&w=1900&w=1200" srcset="https://www.thetimes.com/money-mentor/wp-content/uploads/2023/07/GettyImages-1369010744.jpg?quality=75&strip=all&w=1900&w=300 300w, https://www.thetimes.com/money-mentor/wp-content/uploads/2023/07/GettyImages-1369010744.jpg?quality=75&strip=all&w=1900&w=768 768w, https://www.thetimes.com/money-mentor/wp-content/uploads/2023/07/GettyImages-1369010744.jpg?quality=75&strip=all&w=1900&w=600 600w, https://www.thetimes.com/money-mentor/wp-content/uploads/2023/07/GettyImages-1369010744.jpg?quality=75&strip=all&w=1900&w=800 800w" sizes='(max-width: 800px) 100vw, 800px' class="c-articleHeader__imgContainer_img wp-post-image" alt="Woman looking at her travel money options before going abroad" fetchpriority="high"> </div> </div> <div class="s-reArticleMain__richText js-articleRichText c-v3-richText js-ads-article"> <p><strong>If you’re heading overseas on holiday or on a business trip, getting a travel credit or debit card could be one of the cheapest ways to spend while abroad.</strong></p> <p>Often, a regular bank account debit card will charge you hefty foreign transaction fees if you use it abroad for a transaction or cash withdrawal. However, there are lots of cards out there that do away with these fees.</p> <p>In this article, we outline the best payment cards to use when you’re abroad, plus whether it is better to use a <a href="https://www.thetimes.com/money-mentor/loans-credit-cards/credit-cards/">credit card</a> or debit card, plus the top prepaid travel money cards.</p> <p>We explain:</p> <ul> <li><a href="#Best-travel-debit-cards">Best debit cards to use abroad</a></li> <li><a href="#best-credit-card" data-type="internal" data-id="#best-credit-card">Best credit cards to use abroad</a></li> <li><a href="#Best-pre-paid-travel-cards" data-type="internal" data-id="#Best-pre-paid-travel-cards">Top prepaid travel cards to use abroad</a></li> <li><a href="#Is-it-better-to-use-a-credit-card-or-debit-card-abroad?" data-type="internal" data-id="#Is-it-better-to-use-a-credit-card-or-debit-card-abroad?">Should I use a credit or debit card abroad?</a></li> <li><a href="#Watch-out-for-credit-cards-and-ATMs">Is it a good idea to withdraw cash on a credit card abroad?</a></li> </ul> <p><strong>Read more:</strong> <a href="https://www.thetimes.com/money-mentor/article/best-reward-credit-cards/">Best rewards credit cards</a></p> <h2 class="wp-block-heading" id="what-is-a-travel-card">What is a travel card? </h2> <p>A travel card can have several definitions, but when we make reference to it in this article we’re referring to something you can use for fee-free spending abroad.</p> <p>This can be a credit or debit card, and while it may not charge any foreign transaction costs it might come with other charges – such an annual fee.</p> <p>A travel card also might refer to a prepaid card, or currency card, too. <a href="#Best-pre-paid-travel-cards" data-type="internal" data-id="#Best-pre-paid-travel-cards">These are explained in more detail below</a>, but in essence it allows you to load multiple currencies onto a single piece of plastic.</p> <h2 class="wp-block-heading" id="Best-travel-debit-cards">The best travel debit cards</h2> <p>Here we list three banks which offer debit cards that might be worth considering if you’re travelling abroad:</p>   <section class="s-nk-productBoxes js-advertColider-target"> <div class="s-nk-productBoxes__container">   <div class="c-nk-productBox "> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2023/10/Chase-logo.png?quality=75&strip=all&w=192" alt="Chase" loading="lazy"> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> Chase – Current Account </h3>   <div class="c-nk-productBox__notice">Best debit card to use abroad</div>  </div>     <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> Digital bank Chase doesn’t charge fees for making purchases abroad. <br><br>Chase also doesn’t charge fees for withdrawing cash while overseas, though you’re limited to withdrawing £500 per day. When abroad you can…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> Digital bank Chase doesn’t charge fees for making purchases abroad. <br><br>Chase also doesn’t charge fees for withdrawing cash while overseas, though you’re limited to withdrawing £500 per day. When abroad you can withdraw up to £1,500 a month.<br><br>Chase carries out a “soft” credit check when you apply, which cannot affect your credit score unlike an application for a credit card.<br><br>This account gives 1% cashback on your everyday debit card spending for your first year, including abroad. The maximum cashback you can earn in a month is £15. <a href="https://www.chase.co.uk/gb/en/legal/Cashback-FAQs/" target="_blank" rel="noreferrer noopener">Cashback exceptions apply</a>.<br><br>Chase also pays 3.5% AER (variable) with its linked easy-access savings account, but you can beat this with <a href="https://www.thetimes.com/money-mentor/article/best-savings-accounts-in-2022/" data-type="URL" data-id="https://www.thetimes.com/money-mentor/article/best-savings-accounts-in-2022/">another savings provider</a>.   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>    </header> </div>  </div> </section>   <section class="s-nk-productBoxes js-advertColider-target"> <div class="s-nk-productBoxes__container">   <div class="c-nk-productBox "> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <a href="https://track.omguk.com/c?AID=2185666&PID=37873" class=" js-inline-cta js-btn-provider-cta-button js-transactional-block-logo-cta js-defaqto-cta " data-provider="First Direct" rel="sponsored noopener" target="_blank"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2023/07/first_direct_final.png?quality=75&strip=all&w=192" alt="First Direct" loading="lazy"> </a> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> <a href="https://track.omguk.com/c?AID=2185666&PID=37873" class=" js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta " data-provider="First Direct" rel="sponsored noopener" target="_blank"> First Direct – Current Account</a> </h3>   <div class="c-nk-productBox__notice">A Times Money Mentor award-winning current account</div>  </div>     <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> One thing First Direct do well is customer service. During the Times Money Mentor awards last year it scored overwhelmingly high in this category and won “The Times readers’ favourite financial app”…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> One thing First Direct do well is customer service. During the Times Money Mentor awards last year it scored overwhelmingly high in this category and won “The Times readers’ favourite financial app” award to boot.<br><br>As a digital provider, which is part of the HSBC banking group, you will only be able to contact its support team via app or website. This is available 24/7, meaning you won’t need to wait for regular banking hours to log any requests.<br><br>Plus, it’s currently running a £175 switching incentive for anyone looking to move providers. <br><br>The current account offers a debit card with fee-free spending abroad, comes with £250 in interest-free overdraft (subject to status), and provides exclusive access to a regular savings account at 7% AER. <br><br>– <em>0% EAR variable on the first £250, 39.9% EAR variable thereafter, giving a representative rate of 30.5% APR variable </em>   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>   <a class="c-nk-productBox__header_cta js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta" href="https://track.omguk.com/c?AID=2185666&PID=37873" data-provider="First Direct" rel="sponsored noopener" target="_blank"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewbox="0 0 16 16" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.75 1C10.5511 1 10.3603 1.07902 10.2197 1.21967C10.079 1.36032 10 1.55109 10 1.75C10 1.94891 10.079 2.13968 10.2197 2.28033C10.3603 2.42098 10.5511 2.5 10.75 2.5H12.44L8.22 6.72C8.08752 6.86217 8.0154 7.05022 8.01882 7.24452C8.02225 7.43882 8.10097 7.62421 8.23838 7.76162C8.37579 7.89903 8.56118 7.97775 8.75548 7.98117C8.94978 7.9846 9.13783 7.91248 9.28 7.78L13.5 3.56V5.25C13.5 5.44891 13.579 5.63968 13.7197 5.78033C13.8603 5.92098 14.0511 6 14.25 6C14.4489 6 14.6397 5.92098 14.7803 5.78033C14.921 5.63968 15 5.44891 15 5.25V1H10.75ZM2.5 4V13C2.5 13.1326 2.55268 13.2598 2.64645 13.3536C2.74021 13.4473 2.86739 13.5 3 13.5H12C12.1326 13.5 12.2598 13.4473 12.3536 13.3536C12.4473 13.2598 12.5 13.1326 12.5 13V8.75C12.5 8.55109 12.579 8.36032 12.7197 8.21967C12.8603 8.07902 13.0511 8 13.25 8C13.4489 8 13.6397 8.07902 13.7803 8.21967C13.921 8.36032 14 8.55109 14 8.75V13C14 13.5304 13.7893 14.0391 13.4142 14.4142C13.0391 14.7893 12.5304 15 12 15H3C2.46957 15 1.96086 14.7893 1.58579 14.4142C1.21071 14.0391 1 13.5304 1 13V4C1 3.46957 1.21071 2.96086 1.58579 2.58579C1.96086 2.21071 2.46957 2 3 2H7.25C7.44891 2 7.63968 2.07902 7.78033 2.21967C7.92098 2.36032 8 2.55109 8 2.75C8 2.94891 7.92098 3.13968 7.78033 3.28033C7.63968 3.42098 7.44891 3.5 7.25 3.5H3C2.86739 3.5 2.74021 3.55268 2.64645 3.64645C2.55268 3.74021 2.5 3.86739 2.5 4Z" fill="white"></path> </svg> <span data-provider="First Direct">Go to provider site</span> </a>  </header> </div>  </div> </section>   <section class="s-nk-productBoxes js-advertColider-target"> <div class="s-nk-productBoxes__container">   <div class="c-nk-productBox "> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <a href="https://starling-bank.nny66p.net/c/2499072/2364121/10945?utm_term=timesmoneymentor" class=" js-inline-cta js-btn-provider-cta-button js-transactional-block-logo-cta js-defaqto-cta " data-provider="Starling Bank " rel="sponsored noopener" target="_blank"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2020/09/Starling-Bank_Logo_Horizontal.png?quality=75&strip=all&w=192" alt="Starling Bank " loading="lazy"> </a> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> <a href="https://starling-bank.nny66p.net/c/2499072/2364121/10945?utm_term=timesmoneymentor" class=" js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta " data-provider="Starling Bank " rel="sponsored noopener" target="_blank"> Starling Bank – Current Account</a> </h3>   <div class="c-nk-productBox__notice">Another good travel debit card</div>  </div>     <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> While Starling Bank doesn’t offer the cashback you get with Chase’s current account, it’s still a great option. <br><br>It offers fee-free purchases abroad, and foreign cash withdrawals are fee-free up to a…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> While Starling Bank doesn’t offer the cashback you get with Chase’s current account, it’s still a great option. <br><br>It offers fee-free purchases abroad, and foreign cash withdrawals are fee-free up to a maximum of £300 a day.   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>   <a class="c-nk-productBox__header_cta js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta" href="https://starling-bank.nny66p.net/c/2499072/2364121/10945?utm_term=timesmoneymentor" data-provider="Starling Bank " rel="sponsored noopener" target="_blank"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewbox="0 0 16 16" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.75 1C10.5511 1 10.3603 1.07902 10.2197 1.21967C10.079 1.36032 10 1.55109 10 1.75C10 1.94891 10.079 2.13968 10.2197 2.28033C10.3603 2.42098 10.5511 2.5 10.75 2.5H12.44L8.22 6.72C8.08752 6.86217 8.0154 7.05022 8.01882 7.24452C8.02225 7.43882 8.10097 7.62421 8.23838 7.76162C8.37579 7.89903 8.56118 7.97775 8.75548 7.98117C8.94978 7.9846 9.13783 7.91248 9.28 7.78L13.5 3.56V5.25C13.5 5.44891 13.579 5.63968 13.7197 5.78033C13.8603 5.92098 14.0511 6 14.25 6C14.4489 6 14.6397 5.92098 14.7803 5.78033C14.921 5.63968 15 5.44891 15 5.25V1H10.75ZM2.5 4V13C2.5 13.1326 2.55268 13.2598 2.64645 13.3536C2.74021 13.4473 2.86739 13.5 3 13.5H12C12.1326 13.5 12.2598 13.4473 12.3536 13.3536C12.4473 13.2598 12.5 13.1326 12.5 13V8.75C12.5 8.55109 12.579 8.36032 12.7197 8.21967C12.8603 8.07902 13.0511 8 13.25 8C13.4489 8 13.6397 8.07902 13.7803 8.21967C13.921 8.36032 14 8.55109 14 8.75V13C14 13.5304 13.7893 14.0391 13.4142 14.4142C13.0391 14.7893 12.5304 15 12 15H3C2.46957 15 1.96086 14.7893 1.58579 14.4142C1.21071 14.0391 1 13.5304 1 13V4C1 3.46957 1.21071 2.96086 1.58579 2.58579C1.96086 2.21071 2.46957 2 3 2H7.25C7.44891 2 7.63968 2.07902 7.78033 2.21967C7.92098 2.36032 8 2.55109 8 2.75C8 2.94891 7.92098 3.13968 7.78033 3.28033C7.63968 3.42098 7.44891 3.5 7.25 3.5H3C2.86739 3.5 2.74021 3.55268 2.64645 3.64645C2.55268 3.74021 2.5 3.86739 2.5 4Z" fill="white"></path> </svg> <span data-provider="Starling Bank ">Go to provider site</span> </a>  </header> </div>  </div> </section>   <section class="s-nk-productBoxes js-advertColider-target"> <div class="s-nk-productBoxes__container">   <div class="c-nk-productBox "> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <a href="https://www.financeads.net/tc.php?t=39882C5184120876T" class=" js-inline-cta js-btn-provider-cta-button js-transactional-block-logo-cta js-defaqto-cta " data-provider="Hilton Honors" rel="sponsored noopener" target="_blank"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/11/honors_white_HR-1.png?quality=75&strip=all&w=192" alt="Hilton Honors" loading="lazy"> </a> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> <a href="https://www.financeads.net/tc.php?t=39882C5184120876T" class=" js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta " data-provider="Hilton Honors" rel="sponsored noopener" target="_blank"> Hilton Honors </a> </h3>    </div>     <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> Hilton Honors, the loyalty programme of Hilton Hotels, now offers a reward based debit card through Currensea.<br><br>This makes it a great option if you’re already an Honors member of if you’re frequently…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> Hilton Honors, the loyalty programme of Hilton Hotels, now offers a reward based debit card through Currensea.<br><br>This makes it a great option if you’re already an Honors member of if you’re frequently going abroad.<br><br>There are two cards on offer. The Hilton Honors Debit Card comes with a £60 annual fee and pays up to three Hilton Honors Points for every £1 spent on eligible purchases. <br><br>The Hilton Honors Plus Debit Card, meanwhile, comes with a £150 but a more generous incentive of up to 4.5 Hilton Honors Points for every £1 spent on eligible purchases. Upon sign up, you can also earn 10,000 Bonus Points when you spend £2,500 in foreign currency within six months of signing up.   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>   <a class="c-nk-productBox__header_cta js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta" href="https://www.financeads.net/tc.php?t=39882C5184120876T" data-provider="Hilton Honors" rel="sponsored noopener" target="_blank"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewbox="0 0 16 16" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.75 1C10.5511 1 10.3603 1.07902 10.2197 1.21967C10.079 1.36032 10 1.55109 10 1.75C10 1.94891 10.079 2.13968 10.2197 2.28033C10.3603 2.42098 10.5511 2.5 10.75 2.5H12.44L8.22 6.72C8.08752 6.86217 8.0154 7.05022 8.01882 7.24452C8.02225 7.43882 8.10097 7.62421 8.23838 7.76162C8.37579 7.89903 8.56118 7.97775 8.75548 7.98117C8.94978 7.9846 9.13783 7.91248 9.28 7.78L13.5 3.56V5.25C13.5 5.44891 13.579 5.63968 13.7197 5.78033C13.8603 5.92098 14.0511 6 14.25 6C14.4489 6 14.6397 5.92098 14.7803 5.78033C14.921 5.63968 15 5.44891 15 5.25V1H10.75ZM2.5 4V13C2.5 13.1326 2.55268 13.2598 2.64645 13.3536C2.74021 13.4473 2.86739 13.5 3 13.5H12C12.1326 13.5 12.2598 13.4473 12.3536 13.3536C12.4473 13.2598 12.5 13.1326 12.5 13V8.75C12.5 8.55109 12.579 8.36032 12.7197 8.21967C12.8603 8.07902 13.0511 8 13.25 8C13.4489 8 13.6397 8.07902 13.7803 8.21967C13.921 8.36032 14 8.55109 14 8.75V13C14 13.5304 13.7893 14.0391 13.4142 14.4142C13.0391 14.7893 12.5304 15 12 15H3C2.46957 15 1.96086 14.7893 1.58579 14.4142C1.21071 14.0391 1 13.5304 1 13V4C1 3.46957 1.21071 2.96086 1.58579 2.58579C1.96086 2.21071 2.46957 2 3 2H7.25C7.44891 2 7.63968 2.07902 7.78033 2.21967C7.92098 2.36032 8 2.55109 8 2.75C8 2.94891 7.92098 3.13968 7.78033 3.28033C7.63968 3.42098 7.44891 3.5 7.25 3.5H3C2.86739 3.5 2.74021 3.55268 2.64645 3.64645C2.55268 3.74021 2.5 3.86739 2.5 4Z" fill="white"></path> </svg> <span data-provider="Hilton Honors">Go to provider site</span> </a>  </header> </div>  </div> </section> <div class="c-nk-articleHighlightBox c-nk-articleHighlightBox--editorial"><h3 class="c-nk-articleHighlightBox__title">Editor’s choice: Best savings accounts in February</h3><div class="c-nk-articleHighlightBox__body"><div class="c-nk-articleHighlightBox__container"><img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2023/07/GettyImages-1347491040.jpg?quality=75&strip=all" loading="lazy" class="c-nk-articleHighlightBox__img"><div class="c-nk-articleHighlightBox__desc"><p>Whatever your plan for the cash, it makes sense to ensure your savings are earning the best rate they can. We name <a href="https://www.thetimes.com/money-mentor/banking-saving/savings-accounts/best-savings-accounts">the top-paying easy access, fixed, and notice rates on the market. </a></p></div></div></div></div> <h2 class="wp-block-heading" id="best-credit-card">Best travel credit cards to use abroad in 2025</h2> <p>Below we list a number of the best travel credit card providers that might be worth considering if you’re heading abroad:</p>   <section class="s-nk-productBoxes js-advertColider-target js-product-boxes-wrapper"> <div class="s-nk-productBoxes__container">   <div class="c-nk-productBox " data-product-id="320031" data-product-type-id="1050" data-product-subtype-id="1" data-product-type-name="Travel cards"> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-block-logo-cta js-defaqto-cta " data-provider="NatWest" rel="sponsored noopener" target="_blank"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/02/NatWest_credit_card_image.png?quality=75&strip=all&w=192" alt="NatWest" loading="lazy"> </a> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta " data-provider="NatWest" target="_blank" rel="sponsored noopener"> NatWest – Credit Card</a> </h3>    </div>   <div class="c-nk-productBox__disclaimer ">Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% p.a. (variable).</div>   <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> NatWest’s travel credit card makes the list because of its incredibly low rate of interest. Even if you’re credit score isn’t good enough to receive the advertised 12.9% APR interest rate, NatWest…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> NatWest’s travel credit card makes the list because of its incredibly low rate of interest. Even if you’re credit score isn’t good enough to receive the advertised 12.9% APR interest rate, NatWest will offer you a rate of 18.9% APR at most.<br><br>NatWest’s mobile app offers a range of services too, such as being able to load your travel plans onto the app before setting off abroad. This will make transactions in these countries less likely to be flagged as suspicious or blocked.<br><br>It’s also worth noting that Ulster Bank and the Royal Bank of Scotland, which can predominantly be found in Northern Ireland and Scotland respectively, offer the same card too.   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>   <div class="c-nk-productBox__header_meta"> <ul class="c-nk-productBox__metaList">  <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">APR: </span> <span class="c-nk-productBox__metaItem_value"> 12.9% </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Foreign Purchase Fee Within Europe: </span> <span class="c-nk-productBox__metaItem_value"> £0.00 </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Foreign Purchase Fee Outside Europe: </span> <span class="c-nk-productBox__metaItem_value"> £0.00 </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Account Fee: </span> <span class="c-nk-productBox__metaItem_value"> £0.00 </span> </div> </li>  </ul> </div>   <a class="c-nk-productBox__header_cta js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta" href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" data-provider="NatWest" target="_blank" rel="sponsored noopener"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewbox="0 0 16 16" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.75 1C10.5511 1 10.3603 1.07902 10.2197 1.21967C10.079 1.36032 10 1.55109 10 1.75C10 1.94891 10.079 2.13968 10.2197 2.28033C10.3603 2.42098 10.5511 2.5 10.75 2.5H12.44L8.22 6.72C8.08752 6.86217 8.0154 7.05022 8.01882 7.24452C8.02225 7.43882 8.10097 7.62421 8.23838 7.76162C8.37579 7.89903 8.56118 7.97775 8.75548 7.98117C8.94978 7.9846 9.13783 7.91248 9.28 7.78L13.5 3.56V5.25C13.5 5.44891 13.579 5.63968 13.7197 5.78033C13.8603 5.92098 14.0511 6 14.25 6C14.4489 6 14.6397 5.92098 14.7803 5.78033C14.921 5.63968 15 5.44891 15 5.25V1H10.75ZM2.5 4V13C2.5 13.1326 2.55268 13.2598 2.64645 13.3536C2.74021 13.4473 2.86739 13.5 3 13.5H12C12.1326 13.5 12.2598 13.4473 12.3536 13.3536C12.4473 13.2598 12.5 13.1326 12.5 13V8.75C12.5 8.55109 12.579 8.36032 12.7197 8.21967C12.8603 8.07902 13.0511 8 13.25 8C13.4489 8 13.6397 8.07902 13.7803 8.21967C13.921 8.36032 14 8.55109 14 8.75V13C14 13.5304 13.7893 14.0391 13.4142 14.4142C13.0391 14.7893 12.5304 15 12 15H3C2.46957 15 1.96086 14.7893 1.58579 14.4142C1.21071 14.0391 1 13.5304 1 13V4C1 3.46957 1.21071 2.96086 1.58579 2.58579C1.96086 2.21071 2.46957 2 3 2H7.25C7.44891 2 7.63968 2.07902 7.78033 2.21967C7.92098 2.36032 8 2.55109 8 2.75C8 2.94891 7.92098 3.13968 7.78033 3.28033C7.63968 3.42098 7.44891 3.5 7.25 3.5H3C2.86739 3.5 2.74021 3.55268 2.64645 3.64645C2.55268 3.74021 2.5 3.86739 2.5 4Z" fill="white"></path> </svg> <span data-provider="NatWest">Compare credit cards</span> </a>   <button class="c-nk-productBox__header_compare c-nk-productBox__compareBtn js-defaqto-compare-btn"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--unchecked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.099 3 20.999 3.9 20.999 5V19C20.999 20.1 20.099 21 18.999 21H4.99902C3.89902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.89902 3 4.99902 3ZM18.999 19V5H4.99902V19H18.999Z" fill="#333333"></path> </svg> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--checked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.109 3 20.999 3.9 20.999 5V19C20.999 20.1 20.109 21 18.999 21H4.99902C3.88902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.88902 3 4.99902 3ZM4.99902 12L9.99902 17L18.999 8L17.589 6.58L9.99902 14.17L6.40902 10.59L4.99902 12Z" fill="#333333"></path> </svg> <span class="c-nk-productBox__compareBtn_label">Compare</span> </button>  </header> </div>    <div class="c-nk-productBox " data-product-id="319987" data-product-type-id="1050" data-product-subtype-id="1" data-product-type-name="Travel cards"> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-block-logo-cta js-defaqto-cta " data-provider="Coutts & Co." rel="sponsored noopener" target="_blank"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/02/5b9bb157932b3.png?quality=75&strip=all&w=192" alt="Coutts & Co." loading="lazy"> </a> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta " data-provider="Coutts & Co." target="_blank" rel="sponsored noopener"> Coutts & Co. – Silk Card</a> </h3>    </div>   <div class="c-nk-productBox__disclaimer ">Representative Example: Representative 19.99% APR variable. Based on assumed borrowing of £1,200. Rate of interest 19.99% p.a. (variable).</div>   <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> This option will only be available for a select few who qualify for private banking, but if you are eligible it does come with a host of benefits.<br><br>This travel credit card includes…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> This option will only be available for a select few who qualify for private banking, but if you are eligible it does come with a host of benefits.<br><br>This travel credit card includes access to over 1,100 airport lounges across 300 major airports worldwide and a full concierge service. The latter can be a great for paying for your trip before you set foot abroad because its specialists could provide several handy discounts or hotel upgrades.   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>   <div class="c-nk-productBox__header_meta"> <ul class="c-nk-productBox__metaList">  <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">APR: </span> <span class="c-nk-productBox__metaItem_value"> 19.99% </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Foreign Purchase Fee Within Europe: </span> <span class="c-nk-productBox__metaItem_value"> £0.00 </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Foreign Purchase Fee Outside Europe: </span> <span class="c-nk-productBox__metaItem_value"> £0.00 </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Account Fee: </span> <span class="c-nk-productBox__metaItem_value"> £0.00 </span> </div> </li>  </ul> </div>   <a class="c-nk-productBox__header_cta js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta" href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" data-provider="Coutts & Co." target="_blank" rel="sponsored noopener"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewbox="0 0 16 16" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.75 1C10.5511 1 10.3603 1.07902 10.2197 1.21967C10.079 1.36032 10 1.55109 10 1.75C10 1.94891 10.079 2.13968 10.2197 2.28033C10.3603 2.42098 10.5511 2.5 10.75 2.5H12.44L8.22 6.72C8.08752 6.86217 8.0154 7.05022 8.01882 7.24452C8.02225 7.43882 8.10097 7.62421 8.23838 7.76162C8.37579 7.89903 8.56118 7.97775 8.75548 7.98117C8.94978 7.9846 9.13783 7.91248 9.28 7.78L13.5 3.56V5.25C13.5 5.44891 13.579 5.63968 13.7197 5.78033C13.8603 5.92098 14.0511 6 14.25 6C14.4489 6 14.6397 5.92098 14.7803 5.78033C14.921 5.63968 15 5.44891 15 5.25V1H10.75ZM2.5 4V13C2.5 13.1326 2.55268 13.2598 2.64645 13.3536C2.74021 13.4473 2.86739 13.5 3 13.5H12C12.1326 13.5 12.2598 13.4473 12.3536 13.3536C12.4473 13.2598 12.5 13.1326 12.5 13V8.75C12.5 8.55109 12.579 8.36032 12.7197 8.21967C12.8603 8.07902 13.0511 8 13.25 8C13.4489 8 13.6397 8.07902 13.7803 8.21967C13.921 8.36032 14 8.55109 14 8.75V13C14 13.5304 13.7893 14.0391 13.4142 14.4142C13.0391 14.7893 12.5304 15 12 15H3C2.46957 15 1.96086 14.7893 1.58579 14.4142C1.21071 14.0391 1 13.5304 1 13V4C1 3.46957 1.21071 2.96086 1.58579 2.58579C1.96086 2.21071 2.46957 2 3 2H7.25C7.44891 2 7.63968 2.07902 7.78033 2.21967C7.92098 2.36032 8 2.55109 8 2.75C8 2.94891 7.92098 3.13968 7.78033 3.28033C7.63968 3.42098 7.44891 3.5 7.25 3.5H3C2.86739 3.5 2.74021 3.55268 2.64645 3.64645C2.55268 3.74021 2.5 3.86739 2.5 4Z" fill="white"></path> </svg> <span data-provider="Coutts & Co.">Compare credit cards</span> </a>   <button class="c-nk-productBox__header_compare c-nk-productBox__compareBtn js-defaqto-compare-btn"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--unchecked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.099 3 20.999 3.9 20.999 5V19C20.999 20.1 20.099 21 18.999 21H4.99902C3.89902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.89902 3 4.99902 3ZM18.999 19V5H4.99902V19H18.999Z" fill="#333333"></path> </svg> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--checked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.109 3 20.999 3.9 20.999 5V19C20.999 20.1 20.109 21 18.999 21H4.99902C3.88902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.88902 3 4.99902 3ZM4.99902 12L9.99902 17L18.999 8L17.589 6.58L9.99902 14.17L6.40902 10.59L4.99902 12Z" fill="#333333"></path> </svg> <span class="c-nk-productBox__compareBtn_label">Compare</span> </button>  </header> </div>    <div class="c-nk-productBox " data-product-id="319997" data-product-type-id="1050" data-product-subtype-id="1" data-product-type-name="Travel cards"> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-block-logo-cta js-defaqto-cta " data-provider="Halifax" rel="sponsored noopener" target="_blank"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/02/p_cc_clar.png?quality=75&strip=all&w=192" alt="Halifax" loading="lazy"> </a> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta " data-provider="Halifax" target="_blank" rel="sponsored noopener"> Halifax – Clarity Credit Card</a> </h3>    </div>   <div class="c-nk-productBox__disclaimer ">Representative Example: Representative 23.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 23.94% p.a. (variable).</div>   <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> One of the perks of this card is that Halifax doesn’t charge any fees on cash withdrawals. However, foreign ATMs may have their own charges so it won’t necessarily be free.<br><br>Ensuring you…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> One of the perks of this card is that Halifax doesn’t charge any fees on cash withdrawals. However, foreign ATMs may have their own charges so it won’t necessarily be free.<br><br>Ensuring you have enough money in cash hand before you go abroad is always wise, <a href="https://www.thetimes.com/money-mentor/foreign-currency/best-travel-money-providers" data-type="URL" data-id="https://www.thetimes.com/money-mentor/foreign-currency/best-travel-money-providers">so read our guide to the best travel money deals to look for offers best suited for you</a>. But this card could be the least expensive option if you need to make an emergency withdrawal while abroad.   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>   <div class="c-nk-productBox__header_meta"> <ul class="c-nk-productBox__metaList">  <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">APR: </span> <span class="c-nk-productBox__metaItem_value"> 23.9% </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Foreign Purchase Fee Within Europe: </span> <span class="c-nk-productBox__metaItem_value"> £0.00 </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Foreign Purchase Fee Outside Europe: </span> <span class="c-nk-productBox__metaItem_value"> £0.00 </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Account Fee: </span> <span class="c-nk-productBox__metaItem_value"> £0.00 </span> </div> </li>  </ul> </div>   <a class="c-nk-productBox__header_cta js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta" href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" data-provider="Halifax" target="_blank" rel="sponsored noopener"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewbox="0 0 16 16" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.75 1C10.5511 1 10.3603 1.07902 10.2197 1.21967C10.079 1.36032 10 1.55109 10 1.75C10 1.94891 10.079 2.13968 10.2197 2.28033C10.3603 2.42098 10.5511 2.5 10.75 2.5H12.44L8.22 6.72C8.08752 6.86217 8.0154 7.05022 8.01882 7.24452C8.02225 7.43882 8.10097 7.62421 8.23838 7.76162C8.37579 7.89903 8.56118 7.97775 8.75548 7.98117C8.94978 7.9846 9.13783 7.91248 9.28 7.78L13.5 3.56V5.25C13.5 5.44891 13.579 5.63968 13.7197 5.78033C13.8603 5.92098 14.0511 6 14.25 6C14.4489 6 14.6397 5.92098 14.7803 5.78033C14.921 5.63968 15 5.44891 15 5.25V1H10.75ZM2.5 4V13C2.5 13.1326 2.55268 13.2598 2.64645 13.3536C2.74021 13.4473 2.86739 13.5 3 13.5H12C12.1326 13.5 12.2598 13.4473 12.3536 13.3536C12.4473 13.2598 12.5 13.1326 12.5 13V8.75C12.5 8.55109 12.579 8.36032 12.7197 8.21967C12.8603 8.07902 13.0511 8 13.25 8C13.4489 8 13.6397 8.07902 13.7803 8.21967C13.921 8.36032 14 8.55109 14 8.75V13C14 13.5304 13.7893 14.0391 13.4142 14.4142C13.0391 14.7893 12.5304 15 12 15H3C2.46957 15 1.96086 14.7893 1.58579 14.4142C1.21071 14.0391 1 13.5304 1 13V4C1 3.46957 1.21071 2.96086 1.58579 2.58579C1.96086 2.21071 2.46957 2 3 2H7.25C7.44891 2 7.63968 2.07902 7.78033 2.21967C7.92098 2.36032 8 2.55109 8 2.75C8 2.94891 7.92098 3.13968 7.78033 3.28033C7.63968 3.42098 7.44891 3.5 7.25 3.5H3C2.86739 3.5 2.74021 3.55268 2.64645 3.64645C2.55268 3.74021 2.5 3.86739 2.5 4Z" fill="white"></path> </svg> <span data-provider="Halifax">Compare credit cards</span> </a>   <button class="c-nk-productBox__header_compare c-nk-productBox__compareBtn js-defaqto-compare-btn"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--unchecked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.099 3 20.999 3.9 20.999 5V19C20.999 20.1 20.099 21 18.999 21H4.99902C3.89902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.89902 3 4.99902 3ZM18.999 19V5H4.99902V19H18.999Z" fill="#333333"></path> </svg> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--checked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.109 3 20.999 3.9 20.999 5V19C20.999 20.1 20.109 21 18.999 21H4.99902C3.88902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.88902 3 4.99902 3ZM4.99902 12L9.99902 17L18.999 8L17.589 6.58L9.99902 14.17L6.40902 10.59L4.99902 12Z" fill="#333333"></path> </svg> <span class="c-nk-productBox__compareBtn_label">Compare</span> </button>  </header> </div>    <div class="c-nk-productBox " data-product-id="346506" data-product-type-id="1050" data-product-subtype-id="1" data-product-type-name="Travel cards"> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-block-logo-cta js-defaqto-cta " data-provider="Virgin Money" rel="sponsored noopener" target="_blank"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/02/igd-Virgin-Money-credit-card.png?quality=75&strip=all&w=192" alt="Virgin Money" loading="lazy"> </a> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta " data-provider="Virgin Money" target="_blank" rel="sponsored noopener"> Virgin Money – Everyday Cashback (24.9%)</a> </h3>    </div>   <div class="c-nk-productBox__disclaimer ">Representative Example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).</div>   <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> If you’re going abroad and you’re looking for a way to give your budget a boost, then this cashback credit card could be a decent choice. <br><br>It offers 0.25% off every eligible…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> If you’re going abroad and you’re looking for a way to give your budget a boost, then this cashback credit card could be a decent choice. <br><br>It offers 0.25% off every eligible pound you spend – up the maximum of £15 a month. This means you need to spend £60 a month to reach the limit. <br><br>You can then earn additional cashback by signing up to Virgin Money’s bespoke cashback hub. This offers exclusive discounts at certain retailers, which can sometimes be as much as 15%. This might apply to some international brands you visit while abroad.   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>   <div class="c-nk-productBox__header_meta"> <ul class="c-nk-productBox__metaList">  <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">APR: </span> <span class="c-nk-productBox__metaItem_value"> 24.9% </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Foreign Purchase Fee Within Europe: </span> <span class="c-nk-productBox__metaItem_value"> £0.00 </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Foreign Purchase Fee Outside Europe: </span> <span class="c-nk-productBox__metaItem_value"> £0.00 </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Account Fee: </span> <span class="c-nk-productBox__metaItem_value"> £0.00 </span> </div> </li>  </ul> </div>   <a class="c-nk-productBox__header_cta js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta" href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" data-provider="Virgin Money" target="_blank" rel="sponsored noopener"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewbox="0 0 16 16" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.75 1C10.5511 1 10.3603 1.07902 10.2197 1.21967C10.079 1.36032 10 1.55109 10 1.75C10 1.94891 10.079 2.13968 10.2197 2.28033C10.3603 2.42098 10.5511 2.5 10.75 2.5H12.44L8.22 6.72C8.08752 6.86217 8.0154 7.05022 8.01882 7.24452C8.02225 7.43882 8.10097 7.62421 8.23838 7.76162C8.37579 7.89903 8.56118 7.97775 8.75548 7.98117C8.94978 7.9846 9.13783 7.91248 9.28 7.78L13.5 3.56V5.25C13.5 5.44891 13.579 5.63968 13.7197 5.78033C13.8603 5.92098 14.0511 6 14.25 6C14.4489 6 14.6397 5.92098 14.7803 5.78033C14.921 5.63968 15 5.44891 15 5.25V1H10.75ZM2.5 4V13C2.5 13.1326 2.55268 13.2598 2.64645 13.3536C2.74021 13.4473 2.86739 13.5 3 13.5H12C12.1326 13.5 12.2598 13.4473 12.3536 13.3536C12.4473 13.2598 12.5 13.1326 12.5 13V8.75C12.5 8.55109 12.579 8.36032 12.7197 8.21967C12.8603 8.07902 13.0511 8 13.25 8C13.4489 8 13.6397 8.07902 13.7803 8.21967C13.921 8.36032 14 8.55109 14 8.75V13C14 13.5304 13.7893 14.0391 13.4142 14.4142C13.0391 14.7893 12.5304 15 12 15H3C2.46957 15 1.96086 14.7893 1.58579 14.4142C1.21071 14.0391 1 13.5304 1 13V4C1 3.46957 1.21071 2.96086 1.58579 2.58579C1.96086 2.21071 2.46957 2 3 2H7.25C7.44891 2 7.63968 2.07902 7.78033 2.21967C7.92098 2.36032 8 2.55109 8 2.75C8 2.94891 7.92098 3.13968 7.78033 3.28033C7.63968 3.42098 7.44891 3.5 7.25 3.5H3C2.86739 3.5 2.74021 3.55268 2.64645 3.64645C2.55268 3.74021 2.5 3.86739 2.5 4Z" fill="white"></path> </svg> <span data-provider="Virgin Money">Compare credit cards</span> </a>   <button class="c-nk-productBox__header_compare c-nk-productBox__compareBtn js-defaqto-compare-btn"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--unchecked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.099 3 20.999 3.9 20.999 5V19C20.999 20.1 20.099 21 18.999 21H4.99902C3.89902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.89902 3 4.99902 3ZM18.999 19V5H4.99902V19H18.999Z" fill="#333333"></path> </svg> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--checked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.109 3 20.999 3.9 20.999 5V19C20.999 20.1 20.109 21 18.999 21H4.99902C3.88902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.88902 3 4.99902 3ZM4.99902 12L9.99902 17L18.999 8L17.589 6.58L9.99902 14.17L6.40902 10.59L4.99902 12Z" fill="#333333"></path> </svg> <span class="c-nk-productBox__compareBtn_label">Compare</span> </button>  </header> </div>    <div class="c-nk-productBox " data-product-id="320101" data-product-type-id="1050" data-product-subtype-id="1" data-product-type-name="Travel cards"> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-block-logo-cta js-defaqto-cta " data-provider="Virgin Money" rel="sponsored noopener" target="_blank"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/02/igd-Virgin-Money-credit-card.png?quality=75&strip=all&w=192" alt="Virgin Money" loading="lazy"> </a> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta " data-provider="Virgin Money" target="_blank" rel="sponsored noopener"> Virgin Money – Travel Credit Card (24.9%)</a> </h3>    </div>   <div class="c-nk-productBox__disclaimer ">Representative Example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).</div>   <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> This is one of few travel credit card options which includes a 0% purchase and balance transfer period. Both offers are over a nine month period, making it a great option if…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> This is one of few travel credit card options which includes a 0% purchase and balance transfer period. Both offers are over a nine month period, making it a great option if you plan on making big purchases abroad and you’re intending on paying back your balance overtime.  <br><br>If you’re not one of the card’s top applicants, you may still be offered the card but you’ll receive a higher APR of 27.9% or 29.9%.   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>   <div class="c-nk-productBox__header_meta"> <ul class="c-nk-productBox__metaList">  <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">APR: </span> <span class="c-nk-productBox__metaItem_value"> 24.9% </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Foreign Purchase Fee Within Europe: </span> <span class="c-nk-productBox__metaItem_value"> £0.00 </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Foreign Purchase Fee Outside Europe: </span> <span class="c-nk-productBox__metaItem_value"> £0.00 </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Account Fee: </span> <span class="c-nk-productBox__metaItem_value"> £0.00 </span> </div> </li>  </ul> </div>   <a class="c-nk-productBox__header_cta js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta" href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" data-provider="Virgin Money" target="_blank" rel="sponsored noopener"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewbox="0 0 16 16" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.75 1C10.5511 1 10.3603 1.07902 10.2197 1.21967C10.079 1.36032 10 1.55109 10 1.75C10 1.94891 10.079 2.13968 10.2197 2.28033C10.3603 2.42098 10.5511 2.5 10.75 2.5H12.44L8.22 6.72C8.08752 6.86217 8.0154 7.05022 8.01882 7.24452C8.02225 7.43882 8.10097 7.62421 8.23838 7.76162C8.37579 7.89903 8.56118 7.97775 8.75548 7.98117C8.94978 7.9846 9.13783 7.91248 9.28 7.78L13.5 3.56V5.25C13.5 5.44891 13.579 5.63968 13.7197 5.78033C13.8603 5.92098 14.0511 6 14.25 6C14.4489 6 14.6397 5.92098 14.7803 5.78033C14.921 5.63968 15 5.44891 15 5.25V1H10.75ZM2.5 4V13C2.5 13.1326 2.55268 13.2598 2.64645 13.3536C2.74021 13.4473 2.86739 13.5 3 13.5H12C12.1326 13.5 12.2598 13.4473 12.3536 13.3536C12.4473 13.2598 12.5 13.1326 12.5 13V8.75C12.5 8.55109 12.579 8.36032 12.7197 8.21967C12.8603 8.07902 13.0511 8 13.25 8C13.4489 8 13.6397 8.07902 13.7803 8.21967C13.921 8.36032 14 8.55109 14 8.75V13C14 13.5304 13.7893 14.0391 13.4142 14.4142C13.0391 14.7893 12.5304 15 12 15H3C2.46957 15 1.96086 14.7893 1.58579 14.4142C1.21071 14.0391 1 13.5304 1 13V4C1 3.46957 1.21071 2.96086 1.58579 2.58579C1.96086 2.21071 2.46957 2 3 2H7.25C7.44891 2 7.63968 2.07902 7.78033 2.21967C7.92098 2.36032 8 2.55109 8 2.75C8 2.94891 7.92098 3.13968 7.78033 3.28033C7.63968 3.42098 7.44891 3.5 7.25 3.5H3C2.86739 3.5 2.74021 3.55268 2.64645 3.64645C2.55268 3.74021 2.5 3.86739 2.5 4Z" fill="white"></path> </svg> <span data-provider="Virgin Money">Compare credit cards</span> </a>   <button class="c-nk-productBox__header_compare c-nk-productBox__compareBtn js-defaqto-compare-btn"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--unchecked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.099 3 20.999 3.9 20.999 5V19C20.999 20.1 20.099 21 18.999 21H4.99902C3.89902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.89902 3 4.99902 3ZM18.999 19V5H4.99902V19H18.999Z" fill="#333333"></path> </svg> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--checked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.109 3 20.999 3.9 20.999 5V19C20.999 20.1 20.109 21 18.999 21H4.99902C3.88902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.88902 3 4.99902 3ZM4.99902 12L9.99902 17L18.999 8L17.589 6.58L9.99902 14.17L6.40902 10.59L4.99902 12Z" fill="#333333"></path> </svg> <span class="c-nk-productBox__compareBtn_label">Compare</span> </button>  </header> </div>  <div class="s-nk-productBoxes__methodology c-accordionSecondary js-accordionSecondary"> <div class="ac"> <button tabindex="0" class="ac-q ac-header ac-trigger"> Methodology <span class="ac-q__icon"> <svg xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewbox="0 0 32 32" fill="none"> <path d="M22.12 11.4534L16 17.56L9.88 11.4534L8 13.3334L16 21.3334L24 13.3334L22.12 11.4534Z" fill="#0A0A0A"></path> </svg> </span> </button> <div class="ac-a ac-panel"> To work out our credit card best buys, we first investigate which features are most important to people when using this type of card, then we compare the key features offered by each credit card currently available in the UK to see how well they match up.<br><br>To do this we compare about 160 different credit card deals daily as well as updating our results to reflect any new offers or expired deals. <br>With travel cards we look at a combination of the cards’ International charges and representative APRs.<br><br>Our data is provided by independent market analyst <a href="https://www.defaqto.com/about">Defaqto</a>, who maintains the largest financial product database in the UK. </div> </div> </div> </div> </section> <h2 class="wp-block-heading" id="Best-pre-paid-travel-cards">Best prepaid travel cards</h2> <p>A prepaid travel card, also known as a currency card, lets you load money and exchange different currencies before you go away. You can then use this card to spend or withdraw cash while abroad. </p> <p>You can’t spend more than you have loaded onto the card. It effectively works like a debit card that doesn’t have an overdraft.</p> <p>However, unlike a debit card from a FCA registered bank, prepaid travel cards don’t benefit from FSCS protection. So if your provider goes bust while you’re abroad, it might be difficult to reclaim your funds. </p> <p>Out of goodwill, some companies like Wise and Revolut have specific safeguarding practices in place to keep your money secure – which makes their services better than others. </p> <p>Below we explain why Wise may be worth considering if you’re heading abroad.</p>   <section class="s-nk-productBoxes js-advertColider-target"> <div class="s-nk-productBoxes__container">   <div class="c-nk-productBox "> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <a href="https://wise.prf.hn/click/camref:1101l3HPRx" class=" js-inline-cta js-btn-provider-cta-button js-transactional-block-logo-cta js-defaqto-cta " data-provider="Wise" rel="sponsored noopener" target="_blank"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2023/11/Wise-1500x750-1.png?quality=75&strip=all&w=192" alt="Wise" loading="lazy"> </a> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> <a href="https://wise.prf.hn/click/camref:1101l3HPRx" class=" js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta " data-provider="Wise" rel="sponsored noopener" target="_blank"> Wise</a> </h3>   <div class="c-nk-productBox__notice">Another good option for people looking for a prepaid travel card </div>  </div>     <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> The Wise travel money card lets you spend in 53 different currencies. You can load money onto it through its app and use the card in more than 175 countries.<br><br>However, it does charge a…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> The Wise travel money card lets you spend in 53 different currencies. You can load money onto it through its app and use the card in more than 175 countries.<br><br>However, it does charge a conversion fee. Check out <a href="https://wise.com/gb/pricing/card-fees?sourceAmount=100&sourceCcy=GBP&targetCcy=EUR" data-type="URL" data-id="https://wise.com/gb/pricing/card-fees?sourceAmount=100&sourceCcy=GBP&targetCcy=EUR">its calculator</a> to see how much you could pay. <br><br>You can also only withdraw two lots of £200 per month before being hit with fees. After that, it charges 50p per withdrawal. There’s also a 1.75% fee on any amount you withdraw above £200.<br><br>So again, if you plan to make lots of cash withdrawals then you might be better off with Chase or Starling.<br><br>Bear in mind there is also a £7 fee to have the card delivered.   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>   <a class="c-nk-productBox__header_cta js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta" href="https://wise.prf.hn/click/camref:1101l3HPRx" data-provider="Wise" rel="sponsored noopener" target="_blank"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewbox="0 0 16 16" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.75 1C10.5511 1 10.3603 1.07902 10.2197 1.21967C10.079 1.36032 10 1.55109 10 1.75C10 1.94891 10.079 2.13968 10.2197 2.28033C10.3603 2.42098 10.5511 2.5 10.75 2.5H12.44L8.22 6.72C8.08752 6.86217 8.0154 7.05022 8.01882 7.24452C8.02225 7.43882 8.10097 7.62421 8.23838 7.76162C8.37579 7.89903 8.56118 7.97775 8.75548 7.98117C8.94978 7.9846 9.13783 7.91248 9.28 7.78L13.5 3.56V5.25C13.5 5.44891 13.579 5.63968 13.7197 5.78033C13.8603 5.92098 14.0511 6 14.25 6C14.4489 6 14.6397 5.92098 14.7803 5.78033C14.921 5.63968 15 5.44891 15 5.25V1H10.75ZM2.5 4V13C2.5 13.1326 2.55268 13.2598 2.64645 13.3536C2.74021 13.4473 2.86739 13.5 3 13.5H12C12.1326 13.5 12.2598 13.4473 12.3536 13.3536C12.4473 13.2598 12.5 13.1326 12.5 13V8.75C12.5 8.55109 12.579 8.36032 12.7197 8.21967C12.8603 8.07902 13.0511 8 13.25 8C13.4489 8 13.6397 8.07902 13.7803 8.21967C13.921 8.36032 14 8.55109 14 8.75V13C14 13.5304 13.7893 14.0391 13.4142 14.4142C13.0391 14.7893 12.5304 15 12 15H3C2.46957 15 1.96086 14.7893 1.58579 14.4142C1.21071 14.0391 1 13.5304 1 13V4C1 3.46957 1.21071 2.96086 1.58579 2.58579C1.96086 2.21071 2.46957 2 3 2H7.25C7.44891 2 7.63968 2.07902 7.78033 2.21967C7.92098 2.36032 8 2.55109 8 2.75C8 2.94891 7.92098 3.13968 7.78033 3.28033C7.63968 3.42098 7.44891 3.5 7.25 3.5H3C2.86739 3.5 2.74021 3.55268 2.64645 3.64645C2.55268 3.74021 2.5 3.86739 2.5 4Z" fill="white"></path> </svg> <span data-provider="Wise">Go to provider site</span> </a>  </header> </div>  </div> </section>   <section class="s-nk-productBoxes js-advertColider-target"> <div class="s-nk-productBoxes__container">   <div class="c-nk-productBox "> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <a href="https://mywebconect.com/?a=1761&c=8296&p=r&s1=" class=" js-inline-cta js-btn-provider-cta-button js-transactional-block-logo-cta js-defaqto-cta " data-provider="ASDA Money" rel="sponsored noopener" target="_blank"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2019/11/asda-money-1549635590-532.png?quality=75&strip=all&w=192" alt="ASDA Money" loading="lazy"> </a> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> <a href="https://mywebconect.com/?a=1761&c=8296&p=r&s1=" class=" js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta " data-provider="ASDA Money" rel="sponsored noopener" target="_blank"> ASDA Money</a> </h3>    </div>     <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> ASDA, the supermarket chain, offers a prepaid travel card that can load up to 15 different currencies.<br><br>You can order your card online, load it with your chosen currency, and pick it up…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> ASDA, the supermarket chain, offers a prepaid travel card that can load up to 15 different currencies.<br><br>You can order your card online, load it with your chosen currency, and pick it up at your local ASDA store as quickly as the next working day in some instances. This makes it a great option if you’re pressured for time to sort out a spending plan abroad.<br><br>However, there are a few fees to note. If you find the need to load your card with money while abroad, you’ll pay a 2% fee to top up your card in pounds. Plus, if you don’t use your card after a year you’ll incur a £2 monthly inactivity fee. So, if you won’t use it again after coming back it’s best to cancel your card immediately.   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>   <a class="c-nk-productBox__header_cta js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta" href="https://mywebconect.com/?a=1761&c=8296&p=r&s1=" data-provider="ASDA Money" rel="sponsored noopener" target="_blank"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewbox="0 0 16 16" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.75 1C10.5511 1 10.3603 1.07902 10.2197 1.21967C10.079 1.36032 10 1.55109 10 1.75C10 1.94891 10.079 2.13968 10.2197 2.28033C10.3603 2.42098 10.5511 2.5 10.75 2.5H12.44L8.22 6.72C8.08752 6.86217 8.0154 7.05022 8.01882 7.24452C8.02225 7.43882 8.10097 7.62421 8.23838 7.76162C8.37579 7.89903 8.56118 7.97775 8.75548 7.98117C8.94978 7.9846 9.13783 7.91248 9.28 7.78L13.5 3.56V5.25C13.5 5.44891 13.579 5.63968 13.7197 5.78033C13.8603 5.92098 14.0511 6 14.25 6C14.4489 6 14.6397 5.92098 14.7803 5.78033C14.921 5.63968 15 5.44891 15 5.25V1H10.75ZM2.5 4V13C2.5 13.1326 2.55268 13.2598 2.64645 13.3536C2.74021 13.4473 2.86739 13.5 3 13.5H12C12.1326 13.5 12.2598 13.4473 12.3536 13.3536C12.4473 13.2598 12.5 13.1326 12.5 13V8.75C12.5 8.55109 12.579 8.36032 12.7197 8.21967C12.8603 8.07902 13.0511 8 13.25 8C13.4489 8 13.6397 8.07902 13.7803 8.21967C13.921 8.36032 14 8.55109 14 8.75V13C14 13.5304 13.7893 14.0391 13.4142 14.4142C13.0391 14.7893 12.5304 15 12 15H3C2.46957 15 1.96086 14.7893 1.58579 14.4142C1.21071 14.0391 1 13.5304 1 13V4C1 3.46957 1.21071 2.96086 1.58579 2.58579C1.96086 2.21071 2.46957 2 3 2H7.25C7.44891 2 7.63968 2.07902 7.78033 2.21967C7.92098 2.36032 8 2.55109 8 2.75C8 2.94891 7.92098 3.13968 7.78033 3.28033C7.63968 3.42098 7.44891 3.5 7.25 3.5H3C2.86739 3.5 2.74021 3.55268 2.64645 3.64645C2.55268 3.74021 2.5 3.86739 2.5 4Z" fill="white"></path> </svg> <span data-provider="ASDA Money">Go to provider site</span> </a>  </header> </div>  </div> </section> <h2 class="wp-block-heading" id="Is-it-better-to-use-a-credit-card-or-debit-card-abroad?">Is it better to use a credit card or debit card abroad?</h2> <p>As long as you find the best – and cheapest – credit card or debit card to use abroad, it’s often a matter of personal preference. It’s worth bearing in mind that using a credit card abroad does give you Section 75 protection, which can get you your money back when things go wrong.</p> <p>In other words, if your goods are faulty, aren’t delivered or a supplier goes bust, you will get your money back under this piece of legislation. Section 75 of the consumer credit act doesn’t only apply to purchases made in the UK, but transactions made abroad too.</p> <p>The scheme only covers purchases between the value of £100 and £30,000, <a href="https://www.thetimes.com/money-mentor/consumer-rights/consumer-rights#75-covered" data-type="link" data-id="https://www.thetimes.com/money-mentor/consumer-rights/consumer-rights#75-covered">our guide explains in further detail. </a></p> <p>However, you’ll need to go through a ‘hard’ credit check when you apply for any credit card, so if you have a poor score it can limit your options. </p> <p>Current accounts, meanwhile, may have less strenuous requirements and may be a better option for these applicants, while pre-paid travel cards often won’t credit check you at all.</p> <p><strong>Read more: </strong><a href="https://www.thetimes.com/money-mentor/article/best-travel-insurance-providers/">Best travel insurance providers </a></p> <h3 class="wp-block-heading">How much does it cost to use a regular card abroad? </h3> <p>The costs when using a typical debit or credit card abroad, and not a specialist travel card, can add up. High-street providers typically charge a 3% transaction fee for using your card abroad, which means a £100 bill will incur a £3 fee.</p> <p>It might not sound a lot, but it can quickly add up over the course of a holiday. Our editor, <a href="https://www.thetimes.com/money-mentor/author/james-andrews/">James</a>, explains he took out a travel card after checking his bank statement following a long weekend in Belgium, and realising he’d built up almost £40 in fees in three days – enough to pay for a meal out on holiday.</p> <p><strong>Read more: </strong><a href="https://www.thetimes.com/money-mentor/article/best-premium-bank-account/">Best premium bank accounts</a></p> <div class="c-nk-articleHighlightBox c-nk-articleHighlightBox--editorial"><h3 class="c-nk-articleHighlightBox__title">Looking for holiday inspiration?</h3><div class="c-nk-articleHighlightBox__body"><div class="c-nk-articleHighlightBox__container"><img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/01/GettyImages-737175545.jpg?quality=75&strip=all" loading="lazy" class="c-nk-articleHighlightBox__img"><div class="c-nk-articleHighlightBox__desc"><p>Plan your next trip with the help of our award-winning travel writers.</p><p><a href="https://www.thetimes.com/travel?utm_source=money-mentor&utm_medium=banner&utm_campaign=FY24_TML_travel-money-mentor_" data-type="link" data-id="https://www.thetimes.com/travel?utm_source=money-mentor&utm_medium=banner&utm_campaign=FY24_TML_travel-money-mentor_">Visit Times Travel</a></p></div></div></div></div> <h2 class="wp-block-heading" id="what-exchange-rates-are-used-for-travel-cards"><strong>What exchange rates are used for travel cards?</strong></h2> <p>When you pay on most debit and credit cards, the Visa or Mastercard exchange rate is used. This is very close to the market rate – so you should not be caught out inadvertently paying extra because you have been <a href="https://www.thetimes.com/money-mentor/foreign-currency/what-is-an-exchange-rate-and-how-are-currencies-calculated">given a poor exchange rate</a>. </p> <p><strong>Read more: </strong><a href="https://www.thetimes.com/money-mentor/article/international-money-transfers/">What’s the best way to transfer money internationally</a></p> <h2 class="wp-block-heading" id="Watch-out-for-credit-cards-and-ATMs">Watch out for credit cards and ATMs</h2> <p>Unless you opt for a bank that offers fee-free current accounts that do not charge for using a debit card in overseas, which include <a href="https://www.chase.co.uk/gb/en/" data-type="URL" data-id="https://www.chase.co.uk/gb/en/" target="_blank" rel="noreferrer noopener">Chase Bank</a> and <a href="http://bit.ly/3YaJIWn" data-type="URL" data-id="http://bit.ly/3YaJIWn" target="_blank" rel="noreferrer noopener">Starling Bank</a>, you need to be wary when using an ATM with a debit card.</p> <p>You also need to remember that many ATMs overseas still charge you a fee to use them unless you’re a customer of that, specific, bank. That fee comes from the ATM provider, so even if your card doesn’t charge you anything, the ATM might.</p> <p>You can expect even bigger charges when withdrawing cash from a machine using a credit card. Some will charge interest from the day the money leaves your account – even if they may boast of fee-free withdrawals – as well as charging higher APRs than normal for “cash transactions”.</p> <p>Other cards, like Barclaycard Rewards, offer a grace period without charging interest, meaning that you shouldn’t pay any cash withdrawal fees or interest if you clear your balance in full each month. </p> <div class="c-nk-articleHighlightBox c-nk-articleHighlightBox--commercial"><h3 class="c-nk-articleHighlightBox__title">Earn more with American Express® Preferred Rewards Gold Credit Card</h3><div class="c-nk-articleHighlightBox__body"><div class="c-nk-articleHighlightBox__container"><img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/05/Gold-Card-Art-2023-2-2-1.png" loading="lazy" class="c-nk-articleHighlightBox__img"><div class="c-nk-articleHighlightBox__desc"><p>New Cardmembers earn 20,000 Membership Rewards® Points when you spend £3,000 in the first 3 months of Cardmembership.</p><p>Representative APR: 87.8% APR variable.</p><p><a href="https://loans.thetimes.co.uk/credit-cards/?preferredchoice=82" data-type="link" data-id="https://loans.thetimes.co.uk/credit-cards/?preferredchoice=82">Learn more and apply</a></p><p></p></div></div></div></div> <h2 class="wp-block-heading" id="exchange-your-money-for-foreign-cash">Exchange your money for foreign cash</h2> <p>Sometimes you’ll need cash for your trip abroad. Not all merchants accept card payments and cash can offer a degree of flexibility. That’s why you might want to consider exchanging some of your holiday budget into foreign currency. </p> <p>Leaving this to the last minute is often a mistake, especially if you use the bureau de change in the airport. These providers typically hike their fees and charge a premium because your options are limited at this point, so give yourself time beforehand to research the best currency exchange offers around.</p> <p><strong>Read more:</strong> <a href="https://www.thetimes.com/money-mentor/foreign-currency/best-travel-money-providers" data-type="URL" data-id="https://www.thetimes.com/money-mentor/foreign-currency/best-travel-money-providers">The best and cheapest travel money providers </a></p>  <div class="c-nk-disclaimer"> <h3 class="c-nk-disclaimer__title">Important information</h3> <div class="c-nk-disclaimer__box"> <div class="c-nk-disclaimer__paragraph"> <p>Some of the products promoted are from our affiliate partners from whom we receive compensation. While we aim to feature some of the best products available, we cannot review every product on the market.</p> <button class="c-nk-disclaimer__toggle js-disclaimerTootipBtn" data-template="js-disclaimer-tooltip-1">Read more</button> </div> </div> <div style="display: none;"> <div id="js-disclaimer-tooltip-1"> Although the information provided is believed to be accurate at the date of publication, you should always check with the product provider to ensure that information provided is the most up to date. <button aria-label="Close tooltip" class="c-nk-disclaimer__tooltipClose js-disclaimerTooltipClose"> <svg width="12" height="12" viewBox="0 0 12 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M1.64916 11.25L0.75 10.3508L5.10084 6L0.75 1.64916L1.64916 0.75L6 5.10084L10.3508 0.75L11.25 1.64916L6.89916 6L11.25 10.3508L10.3508 11.25L6 6.89916L1.64916 11.25Z" fill="#696969" /> </svg> </button> </div> </div> </div>  </div> </div> <div class="col w-full lg:w-3/12"> <div class="s-reArticleMain__stickySidebar"> <div class="s-reArticleMain__stickySidebar_wrapper"> <div class="s-reArticleMain__stickySidebar_itemsListing js-sidebarListing"> <div class="s-reArticleMain__desktopTableOfContent"> <div class="c-relatedCards--tableOfContents js-relatedCards"><div class="c-relatedCards__scrollGradient"><div></div></div><div class="c-relatedCards__title--arrow js-relatedCards__button"> <h3>In this guide</h3> <img src="https://www.thetimes.com/money-mentor/wp-content/themes/money-mentor/resources/assets/icons/keyboard_arrow_up.svg" width="12" height="8" alt="Toggle table of content" aria-hidden="true"> </div><div class="c-relatedCards__wrapper js-relatedCards__wrapper"><div class="c-relatedCards__list js-tableOfContent"><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#what-is-a-travel-card">What is a travel card? </a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#Best-travel-debit-cards">The best travel debit cards</a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#best-credit-card">Best travel credit cards to use abroad in 2025</a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#Best-pre-paid-travel-cards">Best prepaid travel cards</a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#Is-it-better-to-use-a-credit-card-or-debit-card-abroad?">Is it better to use a credit card or debit card abroad?</a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#what-exchange-rates-are-used-for-travel-cards">What exchange rates are used for travel cards?</a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#Watch-out-for-credit-cards-and-ATMs">Watch out for credit cards and ATMs</a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#exchange-your-money-for-foreign-cash">Exchange your money for foreign cash</a></div></div></div></div> </div> </div> </div> </div> </div> <div class="col w-full"> <section class="s-relatedContentCardListing js-related-cards-section "> <div class="s-relatedContentCardListing__body"> <div class="row flex items-start"> <div class="col w-full"> <h3 class="e-h2 s-relatedContentCardListing__title"> Read next </h3> </div> </div> <div class="s-relatedContentCardListing__articles"> <div class="row flex flex-wrap justify-start">  <div class="col w-full md:w-1/3"> <div class="c-nk-card c-nk-card--related"> <a class="c-nk-card__imgLink js-related-card-bottom" title="Our best current accounts" href="https://www.thetimes.com/money-mentor/banking-saving/bank-accounts/best-current-accounts" data-name="" data-article-title="Our best current accounts"> <div class="c-nk-card__img"> <img width="310" height="207" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2023/05/GettyImages-828515326.jpg?quality=75&strip=all&w=310" class="attachment-368x207 size-368x207" alt="Woman researching the best bank accounts" decoding="async" srcset="https://www.thetimes.com/money-mentor/wp-content/uploads/2023/05/GettyImages-828515326.jpg?resize=300,200&quality=75&strip=all 300w, https://www.thetimes.com/money-mentor/wp-content/uploads/2023/05/GettyImages-828515326.jpg?resize=768,512&quality=75&strip=all 768w, https://www.thetimes.com/money-mentor/wp-content/uploads/2023/05/GettyImages-828515326.jpg?resize=600,400&quality=75&strip=all 600w, https://www.thetimes.com/money-mentor/wp-content/uploads/2023/05/GettyImages-828515326.jpg?resize=800,534&quality=75&strip=all 800w" sizes="(max-width: 310px) 100vw, 310px" /> </div> </a> <div class="c-nk-card__content"> <div class="c-nk-card__infoData"> <a class="c-nk-card__flag" href="https://www.thetimes.com/money-mentor/banking-saving/bank-accounts/"><small>Banking</small></a> </div> <a class="c-nk-card__link js-related-card-bottom" title="Our best current accounts" href="https://www.thetimes.com/money-mentor/banking-saving/bank-accounts/best-current-accounts" data-name="" data-article-title="Our best current accounts"> <h2 class="c-nk-card__title">Our best current accounts</h2>  <p class="c-nk-card__text">Current accounts have different perks, and these ultimately benefit different people. 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Often, a regular bank account debit card will charge you hefty foreign transaction fees if you use it abroad for a transaction or cash withdrawal. However, […]", "articleBody": "If you're heading overseas on holiday or on a business trip, getting a travel credit or debit card could be one of the cheapest ways to spend while abroad.\n\n\n\nOften, a regular bank account debit card will charge you hefty foreign transaction fees if you use it abroad for a transaction or cash withdrawal. However, there are lots of cards out there that do away with these fees.\n\n\n\nIn this article, we outline the best payment cards to use when you're abroad, plus whether it is better to use a credit card or debit card, plus the top prepaid travel money cards.\n\n\n\nWe explain:\n\n\n\n\nBest debit cards to use abroad\n\n\n\nBest credit cards to use abroad\n\n\n\nTop prepaid travel cards to use abroad\n\n\n\nShould I use a credit or debit card abroad?\n\n\n\nIs it a good idea to withdraw cash on a credit card abroad?\n\n\n\n\nRead more: Best rewards credit cards\n\n\n\nWhat is a travel card? \n\n\n\nA travel card can have several definitions, but when we make reference to it in this article we\u2019re referring to something you can use for fee-free spending abroad.\n\n\n\nThis can be a credit or debit card, and while it may not charge any foreign transaction costs it might come with other charges \u2013 such an annual fee.\n\n\n\nA travel card also might refer to a prepaid card, or currency card, too. These are explained in more detail below, but in essence it allows you to load multiple currencies onto a single piece of plastic.\n\n\n\nThe best travel debit cards\n\n\n\nHere we list three banks which offer debit cards that might be worth considering if you're travelling abroad:\n\n\n\n\n\n\n\n\n\n\n\n\n\nBest travel credit cards to use abroad in 2025\n\n\n\nBelow we list a number of the best travel credit card providers that might be worth considering if you're heading abroad:\n\n\n\n\n\nBest prepaid travel cards\n\n\n\nA prepaid travel card, also known as a currency card, lets you load money and exchange different currencies before you go away. You can then use this card to spend or withdraw cash while abroad. \n\n\n\nYou can't spend more than you have loaded onto the card. It effectively works like a debit card that doesn't have an overdraft.\n\n\n\nHowever, unlike a debit card from a FCA registered bank, prepaid travel cards don't benefit from FSCS protection. So if your provider goes bust while you're abroad, it might be difficult to reclaim your funds. \n\n\n\nOut of goodwill, some companies like Wise and Revolut have specific safeguarding practices in place to keep your money secure - which makes their services better than others. \n\n\n\nBelow we explain why Wise may be worth considering if you're heading abroad.\n\n\n\n\n\n\n\nIs it better to use a credit card or debit card abroad?\n\n\n\nAs long as you find the best \u2013 and cheapest \u2013 credit card or debit card to use abroad, it\u2019s often a matter of personal preference. It's worth bearing in mind that using a credit card abroad does give you Section 75 protection, which can get you your money back when things go wrong.\n\n\n\nIn other words, if your goods are faulty, aren\u2019t delivered or a supplier goes bust, you will get your money back under this piece of legislation. Section 75 of the consumer credit act doesn't only apply to purchases made in the UK, but transactions made abroad too.\n\n\n\nThe scheme only covers purchases between the value of \u00a3100 and \u00a330,000, our guide explains in further detail. \n\n\n\nHowever, you'll need to go through a 'hard' credit check when you apply for any credit card, so if you have a poor score it can limit your options. \n\n\n\nCurrent accounts, meanwhile, may have less strenuous requirements and may be a better option for these applicants, while pre-paid travel cards often won't credit check you at all.\n\n\n\nRead more: Best travel insurance providers \n\n\n\nHow much does it cost to use a regular card abroad? \n\n\n\nThe costs when using a typical debit or credit card abroad, and not a specialist travel card, can add up. High-street providers typically charge a 3% transaction fee for using your card abroad, which means a \u00a3100 bill will incur a \u00a33 fee.\n\n\n\nIt might not sound a lot, but it can quickly add up over the course of a holiday. Our editor, James, explains he took out a travel card after checking his bank statement following a long weekend in Belgium, and realising he'd built up almost \u00a340 in fees in three days - enough to pay for a meal out on holiday.\n\n\n\nRead more: Best premium bank accounts\n\n\n\n\nPlan your next trip with the help of our award-winning travel writers.\n\n\n\nVisit Times Travel\n\n\n\n\nWhat exchange rates are used for travel cards?\n\n\n\nWhen you pay on most debit and credit cards, the Visa or Mastercard exchange rate is used. This is very close to the market rate \u2013 so you should not be caught out inadvertently paying extra because you have been given a poor exchange rate. \n\n\n\nRead more: What\u2019s the best way to transfer money internationally\n\n\n\nWatch out for credit cards and ATMs\n\n\n\nUnless you opt for a bank that offers fee-free current accounts that do not charge for using a debit card in overseas, which include Chase Bank and Starling Bank, you need to be wary when using an ATM with a debit card.\n\n\n\nYou also need to remember that many ATMs overseas still charge you a fee to use them unless you're a customer of that, specific, bank. That fee comes from the ATM provider, so even if your card doesn't charge you anything, the ATM might.\n\n\n\nYou can expect even bigger charges when withdrawing cash from a machine using a credit card. Some will charge interest from the day the money leaves your account - even if they may boast of fee-free withdrawals - as well as charging higher APRs than normal for "cash transactions".\n\n\n\nOther cards, like Barclaycard Rewards, offer a grace period without charging interest, meaning that you shouldn\u2019t pay any cash withdrawal fees or interest if you clear your balance in full each month. \n\n\n\n\n\nExchange your money for foreign cash\n\n\n\nSometimes you\u2019ll need cash for your trip abroad. Not all merchants accept card payments and cash can offer a degree of flexibility. That\u2019s why you might want to consider exchanging some of your holiday budget into foreign currency. \n\n\n\nLeaving this to the last minute is often a mistake, especially if you use the bureau de change in the airport. These providers typically hike their fees and charge a premium because your options are limited at this point, so give yourself time beforehand to research the best currency exchange offers around.\n\n\n\nRead more: The best and cheapest travel money providers", "image": { "@context": "http://schema.org", "@type": "ImageObject", "width": 2120, "height": 1414, "url": "https://www.thetimes.com/money-mentor/wp-content/uploads/2023/07/GettyImages-1369010744.jpg?quality=75&strip=all" }, "thumbnailUrl": "", "name": "The best travel debit and credit cards to use abroad", "keywords": "Credit cards" }</script><script type="text/javascript"> !function () { var e = function () { var e, t = "__tcfapiLocator", a = [], n = window; for (; n;) { try { if (n.frames[t]) { e = n; break } } catch (e) { } if (n === window.top) break; n = n.parent } e || (!function e() { var a = n.document, r = !!n.frames[t]; if (!r) if (a.body) { var i = a.createElement("iframe"); i.style.cssText = "display:none", i.name = t, a.body.appendChild(i) } else setTimeout(e, 5); return !r }(), n.__tcfapi = function () { for (var e, t = arguments.length, n = new Array(t), r = 0; r < t; r++)n[r] = arguments[r]; if (!n.length) return a; if ("setGdprApplies" === n[0]) n.length > 3 && 2 === parseInt(n[1], 10) && "boolean" == typeof n[3] && (e = n[3], "function" == typeof n[2] && n[2]("set", !0)); else if ("ping" === n[0]) { var i = { gdprApplies: e, cmpLoaded: !1, cmpStatus: "stub" }; "function" == typeof n[2] && n[2](i) } else a.push(n) }, n.addEventListener("message", (function (e) { var t = "string" == typeof e.data, a = {}; try { a = t ? 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