Travel Credit Cards

Travel credit cards are a range of cards offering travel-related rewards or discounts, such as cashback on foreign purchases, money off domestic rail journeys or waived fees on foreign currency. If such rewards are of interest, choose from the range of cards below.

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Credit Needed
Good
  • 0% for 12 months on balance transfers (no fee on all balance transfers made in the first 90 days of account opening) & 0% for 12 months on purchases
  • 0.5% unlimited cashback on sterling purchases
  • Unlimited commission-free purchases abroad
  • Apple Pay enabled payments
  • You must be a UK resident, aged 18 years or over
  • Only available to existing Nationwide customers
  • Balance Transfers
    Intro
    0%
    12 Months
    0.00% Fee
    Purchases
    Intro
    0%
    12 Months
    Rewards
    Simply Rewards
    Annual Fee
    £0
    Representative APR (variable)
    15.9%
    APR

Representative Example: 15.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable).

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Credit Needed
Good
  • No fees on overseas purchases made in a foreign currency (even when shopping from home)
  • No balance transfer fee, with 0% on balance transfers for 22 months
  • Balance transfers must be made within three months of account opening
  • No fees on purchases overseas
  • No cash fee to buy travel money at the Post Office
  • 0% on all purchases for the first 3 months
  • You must be a UK resident, aged 18 years or over
  • Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender
  • Balance Transfers
    Intro
    0%
    22 Months
    0.00% Fee
    Purchases
    Intro
    0%
    3 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    17.8%
    APR

Representative Example: 17.8% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.8% p.a. (variable)

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Credit Needed
Good
  • 3,000 miles with your first card purchase within 90 days of account opening
  • 1 Flying Club mile for every £1 spent with the Virgin Atlantic White American Express Credit Card from MBNA and 1 Flying Club mile for every £2 spent with the Virgin Atlantic White Visa Credit Card
  • 0% on balance transfers for 6 months, with a 3% handling fee
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Eligibility check: Find out if you are eligible before applying for this card
  • Virgin Money plc is a credit broker/intermediary for Virgin Atlantic Credit Cards. MBNA Limited is the lender

*When you use either card within 90 days of account opening and supply your Flying Club number
  • Balance Transfers
    Intro
    0%
    6 Months
    3.00% Fee
    Purchases
    Intro
    n/a
    Rewards
    Flying Club miles
    Annual Fee
    £0
    Representative APR (variable)
    22.9%
    APR

Representative Example: 22.9% p.a. (variable) on card purchases. This is equivalent to 22.9% APR representative (variable) based on a credit limit of £1,200.

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Credit Needed
Good
  • Receive 9,000 bonus Avios when you spend £1,000 within the first 3 months of Cardmembership
  • Earn 1 Avios for virtually every £1 you spend
  • Companion Voucher when you spend £20,000 per anniversary year
  • Automatic enrolment to the British Airways Executive Club
  • Apple Pay enabled payments
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Avios
    Annual Fee
    £0
    Representative APR (variable)
    22.9%
    APR

Representative Example: 22.9% APR variable. Based on an assumed credit limit of £1,200. Interest rate for purchases: 22.9% p.a. variable

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Credit Needed
Excellent
  • Earn a 10,000 Starpoints bonus when you spend £1,000 in your first 3 months of cardmembership
  • Receive a free weekend night when you spend £25,000
  • Automatic upgrade to SPG Gold Preferred status when you spend £15,000 in purchases on your Card each year
  • Global Assist® provides help when you travel outside the UK, in your own language, 24/7
  • Earn 1 Starpoint everywhere you spend
  • £75 annual fee
  • Excellent credit rating required
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Reward Points
    Annual Fee
    £75
    Representative APR (variable)
    36.2%
    APR

Representative Example: 36.2% APR variable. Based on £75 annual fee, assumed borrowing of £1200, rate of interest (variable) annual 19.9% p.a.(variable)

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Credit Needed
Good
  • Earn a free night e-certificate for one weekend night at participating Hilton hotels when you spend £750 in the first 90 days
  • Enjoy HHonors Silver status for as long as you are a card member
  • Earn 3 HHonors Bonus Points for every £1 you spend at any Hilton Worldwide portfolio hotel or resort and 2 HHonors Bonus Points for every £1 you spend on everyday purchases
  • Earn 2,500 HHonors Bonus Points for each of your first 4 stays at a hotel or resort within the Hilton Worldwide portfolio
  • You must be a UK resident, aged 18 years or over and have a good credit rating
  • Balance Transfers
    Intro
    0%
    15 Months
    2.99% Fee
    Purchases
    Intro
    n/a
    Rewards
    Hilton Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable).

 APPLY ONLINE

Credit Needed
Good
  • 3% Cashback on Petrol, National Rail & TfL, 2% back on department stores and 1% back on supermarket spend*
  • 0% on purchases & balance transfers (0% transfer fee) for 23 Months
  • No foreign transaction fees on purchases paid in the local currency until 31st December 2016
  • Up to 3 additional cards for family members at no extra cost
  • Contactless payments on purchases of up to £30
  • Apple Pay enabled payments
  • You must be a UK resident, aged 18 years or over, have a good credit history with no CCJ or bankruptcy history, and have an annual income of at least £7,500
  • Balance Transfers
    Intro
    0%
    23 Months
    0.00% Fee
    Purchases
    Intro
    0%
    23 Months
    Rewards
    Cashback
    Annual Fee
    £36
    Representative APR (variable)
    16.5%
    APR

Representative Example: 0% p.a. on card purchases for 23 months followed by 12.7% p.a. (variable) on card purchases. This is equivalent to 18.4% APR Representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £3

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Credit Needed
Good
  • 0% foreign currency fees for transactions worldwide
  • 0% on purchases and balance transfers for the first 9 months (3% fee applies)
  • 11.9% APR variable - Plus benefits from discounts on board Saga cruise ships, at Saga resorts and when booking Saga holidays
  • Manage your account online 24/7
  • You must be a UK resident, aged 50+, have a good credit history, and have a regular income of at least £12,000 per year
  • Balance Transfers
    Intro
    0%
    9 Months
    3.00% Fee
    Purchases
    Intro
    0%
    9 Months
    Rewards
    Saga Product Discounts
    Annual Fee
    £0
    Representative APR (variable)
    11.9%
    APR

Representative Example: 11.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 11.29% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • Collect 1 Avios on almost every £1 you spend on the TSB Avios American Express Card and 1 Avios for every £5 of eligible spend on the TSB Avios Mastercard
  • Collect double Avios on eligible spend abroad
  • Overseas Emergency assistance
  • 0% on balance transfers for 6 months (3% fee) and 5% cashback on Apple Pay payments on the first £100 of spending each month
  • No annual fee
  • Must be a UK resident, aged 18 or over, have a regular income, not be currently declared bankrupt, have CCJs, or be subject to an IVA
  • Balance Transfers
    Intro
    0%
    6 Months
    3.00% Fee
    Purchases
    Intro
    n/a
    Rewards
    Collect Avios
    Annual Fee
    £0
    Representative APR (variable)
    17.9%
    APR

Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Excellent
  • Collect 1.25 Avios for every £1 of eligible spend on the Premier Avios American Express Card and 1.25 Avios for every £5 of eligible spend on the Premier Avios MasterCard
  • Earn a Companion ticket after £15,000 spend a year
  • £50 annual fee
  • Must be a UK resident, aged 18 or over, have a regular income, not be currently declared bankrupt, have CCJs, or be subject to an IVA
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Collect Avios
    Annual Fee
    £50
    Representative APR (variable)
    23.7%
    APR

Representative Example: 23.7% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 13.95% p.a. (variable) together with an annual fee of £50

 APPLY ONLINE

Credit Needed
Bad
  • Free Aqua Credit Checker
  • Opportunity to reduce your APR to 19.9% simply for making payments on time and keeping to your credit limit
  • No fees on your purchases abroad, making this the card for your holiday
  • Aqua accept applications from people who have had CCJs or are on a low income
  • Aqua has said YES to over 750,000 customers in the UK
  • Access to money-saving vouchers and offers
  • You must be a UK resident, without CCJs in the past 12 months
  • Must not have taken out a Marbles card in the past 12 months
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Free Credit Report Access
    Annual Fee
    £0
    Representative APR (variable)
    34.9%
    APR

Representative Example: 34.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 34.91% p.a. (variable)

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What are travel credit cards?

Travel credit cards come in many different formats, and so researching them thoroughly before applying is essential. Some travel credit cards are air mile credit cards, which offer customers the ability to earn reward points (air miles) when they shop using their credit card. These points can then be exchanged for travel related rewards like flights and hotels (the exact details of what your travel credit card points can be exchanged for will vary by product and issuer). Some UK credit card issuers offer travel related benefits on standard credit card products, like "no handling fees" on foreign transactions, and the treatment of foreign exchange cash bought on a credit card as a purchase (avoiding the prohibitive interest rates typically charged on cash withdrawals).

A fairly new type of travel credit card is the travel prepaid credit card. These products are growing in popularity as foreign exchange companies and travel agents offer them to consumers wanting foreign currency for their trip abroad. They operate in much the same way as debit cards, in that you can only spend what you have preloaded onto them, and many people prefer them to travellers’ cheques (which can be lost and still cashed) or taking their own bank card abroad, where the level of risk of exposure to their wider personal finance arrangements is uncomfortable.

Getting the right travel credit card

Understanding what credit cards are available when travelling, or looking for travel related rewards, is the first step to getting the right travel credit card for you. Next you need to assess what specifically you want the credit card for. Do you spend on a credit card regularly enough to accrue a good level of reward points? Do you travel often enough to justify getting a credit card purely on the basis of the benefits you receive whilst abroad (perhaps forfeiting other potential great perks like 0% balance transfers or 0% interest on new purchases)? Obviously if it's travel prepaid credit cards you are looking for, it makes perfect sense to shop around, rather than relying on the products offered by travel agents, airlines or foreign exchange companies, who tend to be dealing with an almost captive market, and therefore have no real incentive to ensure their products are market leading. Once you know what you're looking for, you should compare products. A great way to compare credit card products is by using credit card comparison tables (sometimes called credit card best buy tables) like the ones above, which rank products based on key attributes.