- Check a range of cards in minutes
- No impact on your credit score
- One fast and simple form
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
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.
More guides on Finder
-
Using a credit card in Taiwan
Consider a card with fee-free spending abroad and decline decline dynamic currency conversion to avoid card charges in Taiwan.
-
A guide to Gatwick’s lounges and how to access them
A comprehensive guide to London Gatwick’s airport lounges across both the North and South terminals and how to access them.
-
Using a credit card in Turkey
Here’s everything you need to know about using a credit card in Turkey. How much it may cost you and holiday spending tricks.
-
Using a credit card in Sweden
Planning to use your UK credit card in Sweden? Read our guide to find out which cards are best, plus payment and card advice before and while you travel.
-
A guide to Heathrow’s lounges and how to access them
A comprehensive guide to London Heathrow’s airport lounges across all four terminals and how to access them.
-
Using a credit card in Switzerland
If you’re planning a trip to Switzerland and want to use your UK credit card, read our guide to ensure you don’t face any challenges with spending on your travels.
-
Best credit cards to use in Thailand
Learn everything you need to know about using your credit card in Thailand before you travel.
-
Using a credit card in UAE
All the most important things that you need to know about using a credit card in UAE. Read our helpful guide before setting off on your holiday in the United Arab Emirates.
-
Using a credit card in the USA
Everything you need to know about using your credit card in the USA. We do the homework for you before you head across the pond.
-
Credit cards with free airport lounge access
Find out how you can enjoy the luxury and services of airport lounges all around the world with a credit card that offers complimentary airport lounge access.