0% Credit Card Abroad?

0% Credit Card Abroad

Can you use a UK issued 0% credit card abroad?

Over recent months, we have seen many UK credit card customers looking for an answer about using their 0% credit card abroad. Interest in this topic had increased, in part, due to the issues surrounding the UK leaving the European Union.

Many UK card customers are looking for an answer on using a 0% credit card outside of the United Kingdom.

This is because they either already have a credit card with a 0% introductory 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, whilst outside of the United Kingdom.

0% Credit Card Abroad

UK customers can use a 0% credit card abroad to make purchases, whilst on holiday, or on business. 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. The fee is taken as a percentage amount of the purchase. This fee is usually 2.75%, although it can be higher. The fee is charged on each transaction made outside of the UK.

Consider the following example:-

  • You pay a £1,000 hotel bill whilst abroad using your credit card
  • With many cards, you will be charged a “foreign transaction fee” of around £27.50 for this transaction.

This fee will apply, even if your are still within your 0% on purchases introductory period.

Using 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:-


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0% Credit Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
1.5%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Nationwide Member Credit Card*
  • 0% on balance transfers for 18 months if made within 90 days of account opening
  • 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5
  • 0% on purchases for 3 months from date you open your account
  • Unlimited commission-free purchases abroad
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

Nationwide Member Credit Card*
  • Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
  • You are a UK resident
  • You have a minimum income of £5000 per year
  • You have a good credit history
  • You are aged 18 or over
More Information
Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 15 months
Balance Transfer Fee:
1.5%
Purchases:
0% for 15 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Nationwide Member Credit Card - All Rounder*
  • 0% on balance transfers for 15 months if made within 90 days of account opening
  • 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5
  • 0% on purchases for 15 months from date you open your account
  • Unlimited commission-free purchases abroad
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

Nationwide Member Credit Card - All Rounder*
  • Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
  • You are a UK resident
  • You have a minimum income of £5000 per year
  • You have a good credit history
  • You are aged 18 or over
More Information
Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

The Nationwide credit cards above, do require a customer to be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide.

As can be seen above, UK customers can use their credit card whilst abroad, for purchases. This applies to both Visa and Mastercard issued UK credit cards.

It should be noted, however, that no UK credit card company will accept a balance transfer from any credit card issued outside of the UK.


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