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Compare Overseas Spending Credit Cards
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The Which? difference

Which? Money Compare displays all available credit card deals from providers large and small, whether we get paid commission or not. It makes no difference to how the credit cards appear in our tables, meaning you’ll always be able to stay in control and find the best deals for you, not us.

What are Which? Recommended Providers?

These are the companies that combine competitive deals with excellent customer service, and have been awarded Which?'s coveted Recommended Provider status.

Benefits
Avoid foreign usage fees when using your credit card on holiday.
Pitfalls
Interest rates can be high for borrowing if you don't pay off your balance in full when you return.

Terms Explained 

0% on purchases deal

How long the interest-free deal lasts.

Purchase interest p.a.

The annual interest rate you'll pay on new purchases after the interest-free deal ends.

Reward scheme

Whether rewards are paid on your spending with the credit card.

Minimum income required to open account

The minimum annual income you need to have to take out the credit card.

Reward for spending in-store

What you earn as a percentage of your spending with the card-issuing retailer. For tiered cash back, the percentage is based on spending £500 a month.

Reward for spending elsewhere

What you earn as a percentage of your spending with other retailers. For tiered cash back, the percentage is based on spending £500 a month.

Annual card fee

The fee you'll pay for having the card each year, if any.

Points per £ spent

Points earned at the standard rate on all spending with the card. Where a provider has two cards we show the higher rate.

Cash back on £500 monthly spend

Cash back you would earn in the first year based on spending £500 a month.

Max annual cash back

The maximum amount of cash back you can earn in a year.

Foreign usage fee (Europe)

The fee you'll pay for making transactions in Europe.

Foreign usage fee (worldwide)

The fee you'll pay for making transactions outside Europe.

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