Cards like Halifax Clarity

Despite what the folks at Halifax would have you believe, the Clarity card, with its representative APR of 23.9%, isn’t the only credit card offering 0% fees for non-sterling transactions.

Cards like Halifax’s Clarity are especially popular as “secondary” credit cards – you might have a card for day-to-day use and another that you use when you’re outside of the country. Just remember that if you take out one of these cards (or indeed the Clarity), when you use it abroad, decline dynamic currency conversion (DCC) – that’s when a merchant offers to charge you in pounds rather than the local currency. If the merchant’s bank converts the currency for you, it’ll be their fee structure and exchange rates that’ll apply.

Alternatives to the Halifax Clarity for overseas spending

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Product UKCCF	Finder Score	Foreign usage charge (EU)	Foreign usage charge (rest of world)	Purchases	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
Monzo Flex	Finder score 8.2Great	0%	0%	0% if paid in full monthly or over 3 months. Reverting to 29% (variable) in 6, 12 or 24 monthly payments.	£0	29% APR (variable)	Go to site Read review Compare		Representative example: When you spend £1,200 at a purchase rate of 29% (variable) p.a., your representative rate is 29% APR (variable).	loading Fetching your data...
Santander All in One Credit Card	Finder score 9.3Excellent	0%	0%	0% for 15 months reverting to 23.9%	£3 per month	29.8% APR (variable)	Check eligibility Read review Compare	0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	loading Fetching your data...
118 118 Money Guaranteed Rate Card	Finder score 7.8Great	0%	0%	49%	£0	49% APR (variable)	Check eligibility Read review Compare		Representative example: When you spend £1,200 at a purchase rate of 49% (variable) p.a., your representative rate is 49% APR (variable).	loading Fetching your data...
Yonder Credit Card Finder Award	Finder score 9.7Excellent	0%	0%	29.94%	1 month for £0, £15 per month thereafter	66.7% APR (variable)	Check eligibility Read review Compare	First month free for new members, £15 p/m thereafter. Plus, 10,000 bonus points. Earn 5 points per £1 spent and up to 25 points per £1 at selected partners. Membership includes worldwide travel insurance, no FX fees and use your points towards any flight.	Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).	loading Fetching your data...
NatWest Credit Card	Finder score 9.8Excellent	0%	0%	12.9%	£0	12.9% APR (variable)	Read review Compare		Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	loading Fetching your data...

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Further options

A small number of digital-only banks like Curve and Revolut offer alternative ways to get around fees when spending abroad.

With Curve, you can combine multiple bank cards into one – controlled through your Curve card and app. Even if your card issuer charges exchange fees, Curve will convert the currency for you at the standard Mastercard exchange rate. Just be aware that restrictions and limitations do apply – you can read our full guide to Curve to find out if it could be right for you.

Download Curve and save on bank fees

• All your cards in one Curve Card
• Curve works in all the countries that support Mastercard
• Eliminate hidden bank fees when spending abroad
• Get 1% instant cashback from a choice of retailers

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Written by

Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise

Chris has written 601 Finder guides across topics including:

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