0% Credit Card Abroad?

0% Credit Card AbroadCan you use a 0% credit card abroad?

Over recent months, we have seen many UK credit card customers looking for an answer about using a 0% credit card abroad.

Many UK card customers are looking for an answer on using a 0% credit card abroad. This is because they either already have a credit card with a 0% offer and are making a trip abroad. Or they are looking for a new 0% credit card and want to know if they can make use of their 0% offer on purchases made whilst abroad.

0% Credit Card Abroad

UK customers can use a 0% credit card abroad, whilst on holiday or on business, to make purchases. As in the UK, where the purchase is made within the customer’s 0% introductory offer period, the customer will benefit from the 0% offer on those 0% purchase credit cards.

However, it should be noted that many 0% credit cards do charge a “foreign transaction fee” on purchases made abroad. This fee which is often around 2.75%, and can be higher, is charged on each transaction made outside of the UK.

Consider the following example. If you pay a £1,000 hotel bill abroad with your credit card, you will be charged a fee of around £27.50 for this transaction. This fee will apply, even if your are still within your 0% on purchases introductory period.

0% Credit Card Abroad – Cards With No Fees

There are a very small number of UK 0% credit cards available that do not currently charge any foreign transaction fees on purchases made abroad.

These no foreign transaction fee cards are highly recommended, for use abroad. This is especially true if you are likely to make a large number of purchases abroad in a year. Some of these cards also have the added benefit of a 0% offer on purchases for a limited period.

The following featured 0% credit cards currently charge no foreign transaction fee. These UK credit cards are most suited for use as a 0% credit card abroad:-

0% Credit Card Offers

Balance Transfers:
0% for 12 months
Balance Transfer Fee:
0% for 12 months
Representative APR:
15.9% APR (variable)
More Information

Credit Card Details

Nationwide Select Credit Card just for Nationwide members*
  • 0% on balance transfers for 12 months from account opening
  • 0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
  • 0% on purchases for 12 months from account opening
  • Unlimited commission free purchases abroad
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

Nationwide Select Credit Card just for Nationwide members*
  • Our credit cards are just for members. Youre a member when you have a current account, mortgage or savings account with us
  • Our credit card exclusively for members with a main current account
  • You have been living in the UK for the last 12 months
  • You have a gross income each year of more than £5000
  • You have a good credit history
  • You are aged 18 or over
More Information
Our credit card exclusively for members with a main current account
Representative Example: 15.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable)

The Nationwide Select credit card above does require a customer to have a Nationwide current account. If you do not already have a Nationwide current account you can apply for one during the credit card application.

As can be seen above, UK customers can use a 0% credit card abroad for purchases. However no UK credit card company will accept a balance transfer from any credit card issued outside of the UK.

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