Top 10 credit cards with no foreign transaction fees
When you’re abroad, the last thing you want is to pay extra just for using your card. Many credit cards come with hidden foreign transaction fees—typically around 3% per purchase—that can quickly add up. That’s where a credit card with no foreign transaction fees comes in handy, letting you spend freely, save money, and earn rewards while traveling.
But which card should you choose? We’ve rounded up the top 10 UK credit cards with no foreign transaction fees to make the decision easy. Plus, we’ll show you how Curve Wallet can essentially turn almost any card into a credit card with no foreign transaction fees or ATM fees.
Top 10 Credit Cards With No Foreign Transaction Fees
1. Barclaycard Rewards Card
✅ Benefits:
- No foreign transaction fees
- Earn 0.25% cashback on all purchases
- No annual fee
❌ Drawbacks:
- Low cashback rate compared to other cards
- No cashback on currency exchange transactions
- Lacks travel-specific perks like flight discounts or hotel rewards
💡 Curve Tip: Add your Barclaycard Rewards Credit Card to Curve Wallet and earn extra cashback on top of your rewards. Curve is a digital wallet packed with cashback offers from popular brands like Argos, IKEA, Amazon, Primark, and loads more. Bonus: if you upgrade to any premium plan, you can earn 1% cashback on all your spending outside Europe. You will also benefit from free ATM withdrawals to avoid the foreign transaction fees when withdrawing cash abroad.
2. Halifax Clarity Credit Card
✅ Benefits:
- No foreign transaction fees
- Free overseas cash withdrawals (up to £500 per day)
- No annual fee
❌ Drawbacks:
- Interest rates vary based on your credit score
- No cashback or travel rewards
💡 Curve Tip: Link this credit card to Curve Wallet to get more travel benefits beyong having no foreign transaction fees. With a Curve Pay Pro+ plan, you get 1% cashback on all your spending outside Europe, 1% cashback at 12 retailers of your choice, including travel-centric brands like easyJet, Uber, Booking.com, Trainline, and more. And the discounted airport lounge access doesn't hurt either.
3. Santander All in One Credit Card
✅ Benefits:
- No foreign transaction fees
- 0.5% cashback on all spending
- 15 months interest-free on balance transfers
❌ Drawbacks:
- Cashback is capped at £10 per month
- £36 annual fee
- Requires a minimum income of £10,500
💡 Curve Tip: If you’re hitting Santander’s £10 cashback limit, add the card to Curve Wallet to earn additional cashback on top of your rewards.
4. Revolut Premium Card
✅ Benefits:
- No foreign transaction fees (Monday-Friday)
- Earn RevPoints for air miles (1 point per £4 spent)
- Includes travel insurance and medical cover
❌ Drawbacks:
- £7.99/month fee (£95.88/year)
- Not covered by the Financial Services Compensation Scheme (FSCS)
- 0.5% weekend foreign transaction fees
💡 Curve Tip: Add your Revolut Premium card to Curve Wallet to enjoy extra cashback on top of your Rev points, and get no foreign transaction fees on the weekend.
5. Monzo Flex credit card
✅ Benefits:
- No foreign transaction fees
- Free ATM witdrawals
- Pay in 3 instalments with 0% interest
❌ Drawbacks:
- Monzo must be main bank to take advantage of fee-free spending
- 3% foreign transaction fee on ATM withdrawals over £400 if Monzo is not your main bank
- No cashback on foreign exchange transactions
💡 Curve Tip: Add your Monzo Flex card to Curve Wallet to boost your fee-free spending limits abroad and earn additional cashback on your everyday spending. With any premium Curve plan, you can earn 1% cashback on all your spending outside Europe
6. HSBC Premier World Elite Credit Card
✅ Benefits:
- No foreign transaction fees
- Airport lounge access & travel insurance
- Earn air miles (4 HSBC points per £1 spent abroad)
❌ Drawbacks:
- £290 annual fee
- Strict eligibility (must have £100,000 invested with HSBC or a high salary)
💡 Curve Tip: If you're a frequent flier and want to maximise your HSBC Premier benefits, you can add the card to Curve Wallet and earn 1% cashback on all your spending outside Europe with any premium plan.
7. Virgin Atlantic Reward Credit Card
✅ Benefits:
- No foreign transaction fees in Europe
- Earn 0.75 Virgin points per £1 spent
- No annual fee
❌ Drawbacks:
- 5% cash advance fee on ATM withdrawals abroad
- 2.99% foreign transaction fees outside Europe
💡 Curve Tip: The Virgin Atlantic Rewards Credit card is not the best option for completely avoiding fees, but when added to a Curve Wallet, you can avoid FX fees and earn 1% cashback outside Europe, making it an excellent credit card with no foreign transaction fees.
8. Zopa Credit Card
✅ Benefits:
- No foreign transaction fees
- No annual fee
❌ Drawbacks:
- No cashback or rewards
- £3 foreign ATM withdrawal fee
- 34.9% APR—higher than most competitors
💡 Curve Tip: Add your Zopa credit card to Curve Wallet, and skip the £3 ATM fee when withdrawing cash overseas with any premium Curve plan. You will also earn 1% cashback on all your spending outside Europe – a particularly valuable benefit if you travel outside Europe often.
9. NatWest Credit Card
✅ Benefits:
- No foreign transaction fees
- Low 12.9% APR
- No annual fee
❌ Drawbacks:
- No travel perks or rewards
- 3% ATM withdrawal fee
💡 Curve Tip: Bypass the ATM fee by adding your NatWest card to Curve and withdrawing cash overseas for free.
10. Yonder Credit Card
✅ Benefits:
- No foreign transaction fees
- Earn 1-5 Yonder Points per £1 spent
- Dining and entertainment rewards f
❌ Drawbacks:
- Rewards mostly London-based
- 32.9% APR
- 3% ATM withdrawal fee
💡 Curve Tip: Add Yonder to Curve Wallet to boost your credit card travel rewards with additional cashback, and free ATM withdrawals.
Get more from your credit cards with no foreign transaction fees
Even if you already have a no foreign transaction fee credit card, you can unlock even more benefits by linking it to Curve Wallet:
✅ Eliminate ATM fees—Many credit cards charge for cash withdrawals abroad, but Curve Wallet gives you free withdrawals abroad, subject to plans and limits.
✅ Stack cashback rewards—Earn Curve Cashback on top of your card’s existing rewards.
✅ Use any card abroad—Even if your bank charges fees, Curve Wallet eliminates them for you.
✅ Go Back in Time®—Switch payments from one card to another after you’ve made a purchase.
📲 Ready to Save on Your Next Trip?
Download Curve Wallet today and spend smarter abroad—eliminating foreign fees while maximizing rewards.
