According to our analysis of the market, the following cards charge no fee on purchases made in foreign currencies. Use the information below to compare fees and interest rates, including on cash withdrawals abroad.

ClearScore is a credit broker, not a lender. Always make sure you can afford repayments.

Why trust our picks? Our analysis is based on a review of more than 100 UK credit cards from 25 providers, assessed across fees, APRs, rewards, introductory offers and other key features. Latest rolling analysis conducted in September 2026. See our full methodology here.

Most UK credit cards charge a fee, typically 2.99%, on transactions in foreign currencies. The cards below don’t charge this fee on purchases. They differ mainly in how they treat cash withdrawals: the fee charged, the interest rate on cash, and whether interest is charged from the date of withdrawal.

Cards with no foreign transaction fees

The cards below were selected based on fees on non-sterling transactions, fees and interest on cash withdrawals, and other features.

Halifax Clarity Credit Card

The Halifax Clarity Credit Card charges no fee on non-sterling purchases or cash withdrawals, and no cash fee. Interest on cash withdrawals is charged from the date of withdrawal, with no interest-free period, at 23.9% variable, the same rate as purchases and lower than the cash rate on many credit cards. Repaying cash balances before the statement due date reduces the interest charged.

Representative example: Representative 23.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 23.9% p.a. (variable) with no annual fee.

Summary

• No fees on non-sterling purchases or cash withdrawals

• 23.9% variable rate on purchases and cash

• Interest on cash charged from the withdrawal date

• Eligibility checker available

• No annual fee

Chase Credit Card

The Chase Credit Card charges no foreign transaction fees on purchases, so non-sterling purchases, including online purchases from overseas retailers, are converted at the Mastercard exchange rate with nothing added. The card has no annual fee and offers 0% on purchases for up to 3 months, provided minimum repayments are made. It pays 2% cashback on selected everyday spending categories (such as groceries, restaurants, transport and fuel), up to £20 a month shared across Chase debit and credit card spending; this requires a Chase current account and saver account, and applies to UK spending only.

There’s no fee for cash withdrawals in any currency, in the UK or abroad, but interest on cash is charged from the date of withdrawal, with no interest-free period. The card is only available to existing Chase current account customers.

Representative example: Representative 24.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 24.9% p.a. (variable) with no annual fee.

Summary

• No fees on non-sterling purchases

• No fee on cash withdrawals in any currency; interest charged from the withdrawal date

• Standard rate 24.9%–29.9% variable on purchases and cash, depending on the rate offered

• 0% on purchases for up to 3 months

• 2% cashback on selected UK spending categories (up to £20 a month; Chase current and saver accounts required)

• No annual fee

• Only available to existing Chase current account customers

Santander All in One Credit Card

The Santander All in One Credit Card charges no foreign transaction fee on purchases, but charges a 3% (minimum £3) cash fee on withdrawals in the UK and abroad. The interest rate on cash withdrawals is 29.9% variable, compared with 23.9% on purchases. The card pays 0.5% cashback on purchases (capped at £10 a month) and charges a £3 monthly fee.

Representative example: Representative 29.8% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 23.9% p.a. (variable) and a £36 annual fee (£3 charged monthly).

Summary

• No fees on non-sterling purchases

• 3% (minimum £3) fee on cash withdrawals, in the UK and abroad

• 29.9% variable rate on cash; 23.9% variable on purchases

• 0.5% cashback on purchases, capped at £10 a month

• Eligibility checker available

• £3 monthly fee

Barclaycard Rewards Credit Card

The Barclaycard Rewards Credit Card charges no fees on non-sterling purchases or cash withdrawals. Unlike many credit cards, its interest-free period of up to 56 days also applies to foreign-currency cash withdrawals made abroad, provided the balance is paid in full by the due date. Sterling cash withdrawals are charged interest from the transaction date. The card also pays 0.25% cashback on purchases, lower than the rate on dedicated rewards cards.

Representative example: Representative 28.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 28.9% p.a. (variable) with no annual fee.

Summary

• No fees on non-sterling purchases or cash withdrawals

• Up to 56 days interest-free on purchases and on cash withdrawn abroad, if the balance is paid in full

• 28.9% variable rate on purchases and cash

• 0.25% cashback on purchases

• Eligibility checker available

• No annual fee

Virgin Money Travel Credit Card

The Virgin Money Travel Credit Card charges no foreign exchange fee on purchases made abroad. It charges a 3% cash advance fee on cash withdrawals, in the UK and abroad, and interest on cash is charged from the date of the transaction. The card also offers 0% on purchases for 9 months, and 0% on balance and money transfers for 9 months (fees apply). The cash interest rate is shown in the card’s summary box.

Representative example: Representative 27.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 27.9% p.a. (variable) with no annual fee.

Summary

• No fees on non-sterling purchases

• 3% cash advance fee (in the UK and abroad)

• 0% on purchases for 9 months

• 0% on balance and money transfers for 9 months (fees apply)

• No annual fee

Virgin Money Everyday Cashback Credit Card

The Virgin Money Everyday Cashback Credit Card also charges no foreign exchange fee on purchases abroad, and pays 1% cashback for the first 90 days and 0.25% after that (capped at £15 a month). Its cash advance fee is 5%, higher than the Travel card’s. The cash interest rate is shown in the card’s summary box.

Representative example: Representative 27.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 27.9% p.a. (variable) with no annual fee.

Summary

• No fees on non-sterling purchases

• 5% cash advance fee (in the UK and abroad)

• 1% cashback for the first 90 days, then 0.25% (capped at £15 a month)

• No annual fee

Summary of cards covered

This summary covers the cards reviewed above. It doesn’t cover the whole market, and other cards not reviewed here may suit some people better.

How foreign transaction fees work

All of the cards on this page charge no fee on non-sterling purchases, so no fee is added to purchases made in a foreign currency, whether abroad or online. The cards differ mainly in how they treat cash withdrawals:

• Cash fee: from no fee to 5% among the cards above

• Cash interest rate: often higher than the purchase rate

Interest-free period: whether interest on cash is waived if the balance is repaid in full by the due date (Barclaycard Rewards applies its interest-free period to foreign-currency cash withdrawn abroad; the other cards above charge interest on cash from the withdrawal date)

Related: How to get the best foreign currency rates

Why cash withdrawals cost more

Cash withdrawals on credit cards usually cost more than purchases, for three reasons:

• Many cards charge a cash handling fee

• The interest rate on cash is often higher than on purchases

• Interest is usually charged from the transaction date, rather than after an interest-free period

FAQs

Which UK credit cards have no foreign transaction fees?

UK credit cards that don’t charge foreign transaction fees on purchases include Halifax Clarity, Chase, Santander All in One, Barclaycard Rewards, and the Virgin Money Travel and Everyday Cashback cards. See also our travel credit cards guide.

What is the foreign transaction fee on credit cards?

Most credit cards in the UK charge 2.99% of each non-sterling transaction, usually with no minimum charge.

Card details correct as of 22 September 2026. Terms, rates and features are subject to change — always verify current details before applying. This article is for general information only and does not constitute financial advice.