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Credit card for travel

13 replies

snoozingbaby1476 · 22/06/2023 13:06

We are off to France in august and I'm thinking of taking a credit card for our spends and paying it back when we get home
I will pay it off straight away but feel it's just easier than faffing with travel cards/cash.
Which will be the best card for travel? Halifax clarity or would I be better going for one with 0% interest on purchases?
There's to many options so I'm confused!

OP posts:
Bromptotoo · 22/06/2023 13:53

The issue for me would be whether there are transaction fees. I have a Santander Zero Card which has no fees and which is my main spending card when away - usually in France.

I've had it for ages and am a Santander Select customer after inheriting some money from my Mum. So far as I can tell it's offered from time to time but not sure whether it its available now or under what conditions.

Prepaid cards are another option we've used but find they're not accepted at the tolls on the Aurotoutes.

userxx · 22/06/2023 14:04

I'd get a chase card for the 1% cashback on purchases.

boboshmobo · 22/06/2023 14:06

Revolut

Worldgonecrazy · 22/06/2023 14:09

We have the Halifax Clarity. We have had it a few years so there may be better options now.

We also take Starling in case we need to withdraw cash for anything.

Rollercoaster1920 · 22/06/2023 14:10

I've been looking at the HSBC global money account as a way to handle travel money for small purchases. Apparently no transaction fees and uses the VISA daily exchange rate. BUT it's a debit card, not credit, so doesn't have additional protection (useful for larger purchases).
I'm also interested in other people's experience and recommnedations.

yut · 22/06/2023 14:13

Halifax Clarity if you specifically want a credit card (although there are others, think you can get £20 signing up atm), but if it's just a debit card you need then get Chase for the 1% cashback, can also do cash withdrawals with that if you find you need some cash. Not sure why you'd want to use any other card that doesn't offer cash back!!

NBLarsen · 22/06/2023 14:17

I have American Express and Virgin Mastercard, both great for travel because no fees or charges for overseas use.
Virgin Mastercard also gives me cash back, and Am Ex earns me British airways points, so both useful for general use too.

yut · 22/06/2023 14:21

@NBLarsen do you know if the Amex BA card is transaction free abroad by any chance?

snoozingbaby1476 · 22/06/2023 14:52

I think I read about the virgin Mastercard and that seemed a good option

I'm torn. I have a Revolut card which I might revive but wonder if a credit card that I can just put everything on & sort when I'm back might be useful but then it's easier for me to over spend especially if I'm in holiday mode!

OP posts:
NBLarsen · 22/06/2023 15:40

@yut Yes it is fee-free, I use it often for travel abroad, no charges.

yut · 22/06/2023 15:42

@NBLarsen ah that's great to know thanks, we can get rid of the Halifax, was a bit worried about how many CCs we have serving different purposes!!

jannier · 22/06/2023 15:49

Rollercoaster1920 · 22/06/2023 14:10

I've been looking at the HSBC global money account as a way to handle travel money for small purchases. Apparently no transaction fees and uses the VISA daily exchange rate. BUT it's a debit card, not credit, so doesn't have additional protection (useful for larger purchases).
I'm also interested in other people's experience and recommnedations.

Your normal HSBC debit card doesn't seem much different

Rollercoaster1920 · 22/06/2023 16:44

@jannier Standard debit card fee is 2.75% Credit card fee is 2.99% https://www.hsbc.co.uk/international/using-your-card-abroad/

Revolut seems to either work like the HSBC global card (add a foreign balance and then spend on that) or as a std debit card (with conversion at time of spend) without a fee. I find their website awkward to use.

Halifax Clarity is a great recommendation - thanks! No transaction fees. The APR is eye-watering though so would need to clear each month: https://www.halifax.co.uk/creditcards/travel.html

Using Debit Card Abroad | Spending Money Abroad - HSBC UK

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https://www.hsbc.co.uk/international/using-your-card-abroad

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