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Credit cards - things to watch out for
There are a number of ways that credit card companies make their money, some of which are more obvious than others. Take a look at our guides on 0% balance transfer cards, 0% retail purchases cards, donation cards, cashback cards, rewards cards, foreign u

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Foreign Usage Credit Cards

Typical
APR
Cash WithdrawalsCash Fee / Min Charge
Additional Loading
EUWorld
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Post Office®
19.9%
26.9%2.50% /
Min £3.00
MasterCard
0.00%
MasterCard
0.00%
Santander
18.9%
27.9%0.00% /
Min £0.00
MasterCard
0.00%
MasterCard
0.00%
Nationwide Building Society
19.9%
27.9%2.50% /
Min £3.00
Visa
0.00%
Visa
1.00%
Thomas Cook Personal Finance
19.9%
29.9%2.99% /
Min £2.99
Visa
2.50%
Visa
2.50%
Hoare & Co
16.1%
0.0%0.00% /
Min £0.00
Visa
2.50%
Visa
2.50%
Coutts & Co
17.5%
17.5%2.00% /
Min £1.50
Visa
2.75%
Visa
2.75%
First Trust Bank (NI)
18.9%
18.9%1.50% /
Min £3.00
Visa
2.75%
Visa
2.75%
Northern Bank (NI)
22.9%
22.9%2.00% /
Min £2.00
Visa
2.75%
Visa
2.75%
MBNA Europe Bank
31.5%
27.9%3.00% /
Min £3.00
Amex
2.75%
Amex
2.75%
MBNA Europe Bank
15.9%
27.9%3.00% /
Min £3.00
Amex
2.75%
Amex
2.75%
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AA
16.9%
27.9%3.00% /
Min £3.00
Visa
2.99%
Visa
2.99%
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Disclaimer:
Fees and rates subject to change without notice. Check all rates and terms before borrowing. Assumptions have been made in calculating savings/costs. The figures should be used to illustrate potential savings and should be confirmed with credit card providers.
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Foreign Usage Credit Cards Explained

Generally cards charge a fee for making purchases outside the UK. In addition to this they charge a fee for cash withdrawals made on the card, which will applies when abroad. Some cards do not charge this ‘foreign usage fee’ and also waive the fee for cash withdrawals. These cards would benefit those who regularly travel or as an additional card which can be solely used for holiday spending.
 
 

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