Imagine this: you’re sipping coffee at a quaint café in Rome, paying with your credit card, only to return home and find your bill inflated by hidden fees. Foreign transaction fees—typically 2-3% per purchase—can turn a dream getaway into a costly surprise.
But what if you could dodge these charges entirely?
Enter the latest wave of credit cards in the UK with no foreign transaction fees. These cards are a must-have for travelers, expats, and even online shoppers who frequent international websites.
They save you money, simplify spending abroad, and often come loaded with perks that make every trip more rewarding. In this article, we’ll uncover the best new cards available in 2025, how to apply for them, and why they’re worth your attention—even if you’ve never considered one before.
What Are Foreign Transaction Fees?
Foreign transaction fees are extra charges slapped onto your credit card bill when you spend in a currency other than the British pound. Most traditional cards tack on 2-3% per transaction. So, a £1,000 holiday splurge? That’s an extra £20-£30 in fees, just for using your card abroad or online with foreign retailers.
These fees sting frequent travelers the most, but they also hit anyone booking flights with overseas airlines or shopping on global sites like Amazon US. The solution? A card that skips these fees entirely, letting you spend confidently wherever you are.
Why Choose a No Foreign Transaction Fee Card?
Here’s why these cards are a game-changer:
- Save Money Instantly: Eliminate that 2-3% fee and keep more cash for your adventures.
- Hassle-Free Spending: No need to calculate extra costs—just swipe and go.
- Extra Perks: Many of these cards offer travel insurance, cashback, or rewards points, adding value beyond fee savings.
- UK Purchase Protection: Under Section 75 of the Consumer Credit Act, purchases over £100 are protected, even abroad—peace of mind at no extra cost.
Ready to ditch the fees? Let’s explore the top options available in the UK right now.
The Best New Credit Cards with No Foreign Transaction Fees
We’ve scoured the market to bring you the latest and greatest cards for 2025. These picks combine no foreign transaction fees with standout features to suit different lifestyles. Here’s the lineup:
1. Chase Freedom Unlimited® UK Edition
- Key Features: No foreign transaction fees, 1.5% cashback on all purchases, no annual fee.
- How to Apply: Head to the Chase UK website, fill out the quick online form, and get instant approval if eligible.
- Why It’s Great: Perfect for everyday spending at home or abroad, this card rewards you with cashback on every purchase—think of it as money back on your cappuccinos in Capri.
- Eligibility: Good credit score (670+ recommended).
2. Barclaycard Platinum Travel
- Key Features: No foreign transaction fees, 0% interest on purchases for 12 months, no annual fee.
- How to Apply: Apply online at Barclaycard’s site. You’ll need proof of income and address.
- Why It’s Great: Ideal for big holiday spends—like flights or hotels—you can pay off over time without interest piling up.
- Eligibility: UK residents with a solid credit history.
3. Capital One Venture Rewards
- Key Features: No foreign transaction fees, 2x miles on every purchase, 50,000-mile sign-up bonus after spending £3,000 in 3 months.
- How to Apply: Visit Capital One UK, check eligibility without a credit hit, and apply online.
- Why It’s Great: A traveler’s dream—earn miles to redeem for flights or hotels, making your next trip practically free.
- Eligibility: Excellent credit (700+).
4. HSBC Premier World Elite Mastercard
- Key Features: No foreign transaction fees, airport lounge access, comprehensive travel insurance.
- How to Apply: Exclusive to HSBC Premier customers—apply via HSBC online banking or in-branch.
- Why It’s Great: Luxury perks for frequent flyers, from concierge services to peace of mind with top-tier insurance.
- Eligibility: Requires an HSBC Premier account (specific income/savings criteria apply).
5. Revolut Metal Card
- Key Features: No foreign transaction fees, up to 1% cashback (including crypto), travel insurance.
- How to Apply: Download the Revolut app, sign up, and upgrade to the Metal plan at Revolut’s site.
- Why It’s Great: A modern twist—cashback in any currency and no credit check since it’s prepaid. Perfect for tech-savvy travelers.
- Eligibility: Open to all UK residents.
How Much Can You Save?
Let’s crunch the numbers:
- Weekend in Paris: Spend £500 on a standard card with a 3% fee, and you’re out an extra £15. With one of these cards? £0 in fees.
- Month in New York: £2,000 in spending would cost £60 in fees. A no-fee card saves that for Broadway tickets instead.
- Online Shopping: Buy a £300 gadget from a US site—skip the £9 fee and treat yourself to something extra.
Real users agree: “Switching to a no-fee card saved me £120 on my last trip,” says Sarah, a London-based frequent traveler. “It’s the easiest money I’ve ever saved.”
How to Pick the Perfect Card
Not sure which one’s right for you? Here’s a quick guide:
- Frequent Traveler? Go for cards with travel perks like the HSBC Premier or Capital One Venture.
- Big Spender? The Barclaycard Platinum’s 0% interest period lets you manage larger purchases.
- Reward Seeker? Chase or Revolut offer cashback or miles to maximize every swipe.
- Credit Score: Check yours first—some cards need excellent credit, while Revolut’s prepaid option suits all.
Curious which fits your lifestyle? Explore your options and see how easy it is to apply.
How to Apply for These Cards
Getting started is simple:
- Check Your Credit: Use free tools like Experian to ensure you qualify.
- Gather Docs: ID (passport/driving licence), proof of address (utility bill), and income details.
- Apply Online: Most cards offer instant decisions—visit their websites and follow the prompts.
- Get Your Card: Approved? It’ll arrive in 7-10 days, ready for your next trip.
Pro tip: Many issuers let you check eligibility without dinging your credit score—perfect for shopping around.
Watch Out For…
These cards are fantastic, but keep an eye on:
- Annual Fees: Premium cards like HSBC’s may charge for their perks—ensure they’re worth it.
- Interest Rates: Pay in full monthly, or opt for 0% offers to avoid high APRs.
- Cash Withdrawals: Some cards still charge for ATMs abroad, even without transaction fees.
Take Charge of Your Spending
In a world where travel and online shopping know no borders, a credit card with no foreign transaction fees isn’t just nice—it’s essential. From the cashback simplicity of Chase to the luxury of HSBC, there’s a card for every wallet and wanderlust.
Why let fees nibble away at your budget? Compare these top picks, find the best travel credit card for you, and apply online today. Your next adventure—or international purchase—deserves to be fee-free. Discover the savings waiting for you!