Barclaycard travel credit card with 0% fees. 0% for 12 months on purchases and you can withdraw cash and spend fee free abroad and you get till the end of the statement date to pay it off! Ends 2022
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Barclaycard travel credit card with 0% fees. 0% for 12 months on purchases and you can withdraw cash and spend fee free abroad and you get till the end of the statement date to pay it off! Ends 2022

53
Found 3rd Mar
Our travel credit card could be the one for you.

  • 0% interest on purchases for 12 months from the date you open your account
  • No non-sterling transaction fees on your foreign spend and ATM withdrawals until 31 August 2022. After this, the fee returns to 2.99%.
  • Protection on purchases over £100 so if there’s a problem, you could be covered for a refund – that’s a little feature that comes with every credit card (conditions apply)

Remember to pay or take out cash in the local currency to benefit from the 0% offer and Visa’s competitive exchange rate. Find out more about using your card abroad.

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to any shown here as it depends on your individual circumstances. Subject to status.

Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. Base Rate changes will not apply to your promotional interest rates. To learn more visit barclaycard.co.uk/understanding-interest.

Your new account will be set up with digital statements. These can be found in your online Barclaycard account, which you will need to register for. You can choose to switch to paper statements at any time.

Need-to-knows
  • There are no fees for spending or withdrawing cash abroad until 31 August 2022.
  • You don't get charged interest on spending or cash withdrawals abroad, provided you pay them off in full by the date shown on your statement.
  • Any cash withdrawals in pounds will be charged interest from the day you make them at 27.9% representative APR, so it's best to avoid.
  • The rate you'll get is set by Visa, which you can check here – it tends to be slightly lower than Mastercard's rate.
  • Make sure you pay off any purchases IN FULL or you'll be charged 19.9% interest, which'll quickly wipe the gain from this being fee free overseas.
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53 Comments
  • "You don't get charged interest on spending or cash withdrawals abroad, provided you pay them off in full by the date shown on your statement."

That's better than Clarity.
Got myself one of these in august last year and used on 3 holidays to the USA since then. Saved myself a fair bit of money compared to using currency bureau's as I've found visa exchange rate is always higher. Pity it's not a MasterCard as the rates are even better with them.
supacook2k37 m ago

Got myself one of these in august last year and used on 3 holidays to the …Got myself one of these in august last year and used on 3 holidays to the USA since then. Saved myself a fair bit of money compared to using currency bureau's as I've found visa exchange rate is always higher. Pity it's not a MasterCard as the rates are even better with them.


Whats the difference between mastercard and visa normally? But you can draw cash on this and don't start paying interest straight away. You can't with the clarity. The £20 offer has finished with clarity
Be careful when drawing cash abroad with this card, some banks charge you for it. Also make sure you get charged in the local currency and not sterling when making purchases. Other than that its a great card.
Edited by: "focusdriver" 3rd Mar
focusdriver13 m ago

Be careful when drawing cash abroad with this card, some banks charge you …Be careful when drawing cash abroad with this card, some banks charge you for it. Also make sure you get charged in the local currency and not sterling when making purchases. Other than that its a great card.


Do you know what banks charge as I have used this in several countries and found it to be a great card especially as it allows withdrawing from ATMs without any fees?
I already have a regular Barclaycard (BT card), anyone know if I can get this too?
Anon321 h, 17 m ago

Whats the difference between mastercard and visa normally? But you can …Whats the difference between mastercard and visa normally? But you can draw cash on this and don't start paying interest straight away. You can't with the clarity. The £20 offer has finished with clarity


Usually a cent or two for US dollars so not a huge difference at all unless you're spending a lot.
I've been using the Clarity for years very happily but always take a couple of different cards away with me. This will make an excellent backup to the Halifax card particularly as it's Visa. Many thanks OP
bilbob51 m ago

I already have a regular Barclaycard (BT card), anyone know if I can get …I already have a regular Barclaycard (BT card), anyone know if I can get this too?


Follow the link and they have an eligibility checker where it asks if you have another Barclays card. Give it a go
I was charged 1.87 euro on withdrawing 100 euro 3 times at different banks in Benidorm. Although I admit it did warn me at the A.T.M. this would be the fact.
This is better than Halifax Clarity in terms of ATM withdrawals overseas!

Before I take the plunge and switch, are there any other credit card options that are great for overseas withdrawals?
What's the reason to get this over just using something like Monzo or (the now better option) Starling Bank?

At least with them you only spend what you can afford.
Hmmn. They make their money on the exchange rate, and it's a mile away from what it should be. It's a shame they don't tell you this.
Better off using some thing like Revolut.
whiterider14 h, 41 m ago

What's the reason to get this over just using something like Monzo or (the …What's the reason to get this over just using something like Monzo or (the now better option) Starling Bank?At least with them you only spend what you can afford.


Both revolut and monzo are now banks, with overdraft facilities etc. Are there any true pre-pay ones left? Not tried starling, will have a look.
boonkoh8 h, 7 m ago

This is better than Halifax Clarity in terms of ATM withdrawals …This is better than Halifax Clarity in terms of ATM withdrawals overseas!Before I take the plunge and switch, are there any other credit card options that are great for overseas withdrawals?


Not many options. Nationwide Flexplus debit, but this costs up to £13 a month including worldwide travel insurance and euro breakdown cover. Metrobank also do free eu withdrawals, but I wonder how long this will last.
tek-monkey4th Mar

Both revolut and monzo are now banks, with overdraft facilities etc. Are …Both revolut and monzo are now banks, with overdraft facilities etc. Are there any true pre-pay ones left? Not tried starling, will have a look.


Starling is a proper bank too. However it uses a 3rd party payment processor (the one monzo used to use that kept going down) Monzo is now 'in house'

Out of all the card that are good for travel I still prefer monzo (it's now my regular bank) however they only allow £200 withdrawals fee free when overseas now.So if you want to take lots of cash out this offer may be best
tek-monkey14 m ago

Both revolut and monzo are now banks, with overdraft facilities etc. Are …Both revolut and monzo are now banks, with overdraft facilities etc. Are there any true pre-pay ones left? Not tried starling, will have a look.


Does Revolut still have those withdrawal limits though?
I have a barclaycard, it won't let me switch to this.
We're sorry
Thank you for using our pre-application check. Unfortunately, your present circumstances mean you are not eligible to apply for a Barclaycard.

I currently use Clarity and Revolut as back up, I regularly withdraw on the clarity card and use my banking app to transfer funds while still on holiday, I've never had any charges.
MeDDers27 m ago

I have a barclaycard, it won't let me switch to this.We're sorryThank you …I have a barclaycard, it won't let me switch to this.We're sorryThank you for using our pre-application check. Unfortunately, your present circumstances mean you are not eligible to apply for a Barclaycard.I currently use Clarity and Revolut as back up, I regularly withdraw on the clarity card and use my banking app to transfer funds while still on holiday, I've never had any charges.


Im also a Platinum card holder.

Although i can get the 0% fees on cash, i cant get the offer of no transactions fees on purchases
bbeettaa7 m ago

Im also a Platinum card holder.Although i can get the 0% fees on cash, i …Im also a Platinum card holder.Although i can get the 0% fees on cash, i cant get the offer of no transactions fees on purchases


I have two Barclaycards and they wouldn't let me have this without closing an existing account. So I got my other half to apply and got a card in my name, sorted!
bbeettaa1 h, 10 m ago

Does Revolut still have those withdrawal limits though?


Yup, and so does monzo. £200 each iirc then about 3% fees on anything above.
I called Barclaycard last week about this travel card and asked if I could switch my current Platinum card over to one of these, they said it was not allowed under their terms and conditions, I don't know if he was bull $hitting me because they haven't made any money from me for years because I always pay off my balance every month.
In the end I got a Halifax Clarity card and that with my Caxton prepaid debit card will do me for my foreign trips.
Edited by: "paulandpam1" 4th Mar
a2tmfk11 h, 50 m ago

Hmmn. They make their money on the exchange rate, and it's a mile away …Hmmn. They make their money on the exchange rate, and it's a mile away from what it should be.


Eh? Wanna explain that?
paulandpam14th Mar

I called Barclaycard last week about this travel card and asked if I could …I called Barclaycard last week about this travel card and asked if I could switch my current Platinum card over to one of these, they said it was not allowed under their terms and conditions, I don't know if he was bull $hitting me because they haven't made any money from me for years because I always pay off my balance every month.In the end I got a Halifax Clarity card and that with my Caxton prepaid debit card will do me for my foreign trips.


The same combo that I use. I actually put my mother on my clarity account as a joint account (no wife, thankfully) and so now I have a second card to use while I'm away. I use the one in her name for the atm withdrawals and keep in my wallet, then if someone lifts it or the atm swallows it, I have mine waiting for me - always kept separately
Thanks for the heads-up, op! Planning a trip to LA in the school hols, and this might be just what I'm looking for!
I use a clarity card when in Vegas for withdrawing money. There is a fee from the machine but no fees from halifax. Interest starts straight away. I'm guessing this would be the same but no interest starting? Would this get a much lower rate than the clafity card?
Chivas.Regal25 m ago

I use a clarity card when in Vegas for withdrawing money. There is a fee …I use a clarity card when in Vegas for withdrawing money. There is a fee from the machine but no fees from halifax. Interest starts straight away. I'm guessing this would be the same but no interest starting? Would this get a much lower rate than the clafity card?


Yep, no interest until after your payment date. I used it in Thailand last year. Ended up being a bit of a false economy with the withdrawal fee. Guess it depends where you draw your money out to make the saving.
It's safer than carrying wads of cash around though.
Grohller1 h, 33 m ago

Yep, no interest until after your payment date. I used it in Thailand last …Yep, no interest until after your payment date. I used it in Thailand last year. Ended up being a bit of a false economy with the withdrawal fee. Guess it depends where you draw your money out to make the saving.It's safer than carrying wads of cash around though.


You would have still saved a considerable amount and like you said, I agree - safer to withdraw £250 at a time, instead of carrying £XXXX around with you / hidden away in your dirty suitcase socks
Edited by: "bbeettaa" 8th Mar
Xippi3rd Mar

I've been using the Clarity for years very happily but always take a …I've been using the Clarity for years very happily but always take a couple of different cards away with me. This will make an excellent backup to the Halifax card particularly as it's Visa. Many thanks OP


Then you'll have the dilemma of which to use! :-)
LesD4th Mar

Eh? Wanna explain that?


If the exchange rate is pants, doesn't matter that there are no fees, it will be a poor deal for you.

Like all these bureaus that you see screaming "No Commission". Yet their exchange rate is rubbish.

No such thing as a free lunch!
I think the cash withdrawals using credit cards cause a dip in the credit rating. So even though this card allows cash withdrawals without any charge it could damage the credit rating
Edited by: "pavanto" 8th Mar
pavanto20 m ago

I think the cash withdrawals using credit cards cause a dip in the credit …I think the cash withdrawals using credit cards cause a dip in the credit rating. So even though this card allows cash withdrawals without any charge it could damage the credit rating


This is subjective. You've been listening to martin lewes again. It might cause a dip but you can still get other cards. Also what happens if i'm not taking anymore credit cards out. It won't make a slightest difference.

Also the credit score just helps the companies make a decesion.

If you don't make them profit you can have the best credit score in the world. It really is simple.

I could meet alan sugar in the pub i know he has millions. He wants £20 to buy a round because his wallet is in his bently and he'd rather despatch his butler later to get it. He says i'll pay you £40 when he comes back. But you decline saying you don't like spurs. This is not based on the ability to pay.
I used my Halifax Clarity card to withdraw cash in Spain and it has put a mark on my credit score. So if you are thinking of applying for a mortgage/loan/other credit card in the future I would be very wary of this.
siblades3 m ago

I used my Halifax Clarity card to withdraw cash in Spain and it has put a …I used my Halifax Clarity card to withdraw cash in Spain and it has put a mark on my credit score. So if you are thinking of applying for a mortgage/loan/other credit card in the future I would be very wary of this.


Any transaction and payment made is 'marked' against your credit score. I'm not sure what you are getting at? If you withdraw loads of cash then maybe that could be negative. But not as bad as missing a payment or defaulting.
Anon321 h, 9 m ago

Any transaction and payment made is 'marked' against your credit score. …Any transaction and payment made is 'marked' against your credit score. I'm not sure what you are getting at? If you withdraw loads of cash then maybe that could be negative. But not as bad as missing a payment or defaulting.


What I'm getting at is that drawing money from a cash machine with a credit card impacts negatively on your credit score.

I've done it - it showed up on my credit report as a cash advance, and my credit score went down. It is something people should be aware of, especially if they are planning on taking out a mortgage/loan/finance in the future.

Stop being so defensive about your deal.
woldranger6th Mar

The same combo that I use. I actually put my mother on my clarity account …The same combo that I use. I actually put my mother on my clarity account as a joint account (no wife, thankfully) and so now I have a second card to use while I'm away. I use the one in her name for the atm withdrawals and keep in my wallet, then if someone lifts it or the atm swallows it, I have mine waiting for me - always kept separately


Just bear in mind that if one card is lost/stolen, as they have the same number I believe that both cards will be stopped when you inform Halifax?
Also, although Clarity card has been brilliant for all foreign travel, every time I visit the USA, without fail, I get home to fraudulent internet transactions. Halifax always refund me but very annoying!
kalico3 h, 41 m ago

If the exchange rate is pants, doesn't matter that there are no fees, it …If the exchange rate is pants, doesn't matter that there are no fees, it will be a poor deal for you.Like all these bureaus that you see screaming "No Commission". Yet their exchange rate is rubbish.No such thing as a free lunch!

II would like to disagree as I have this card for a year now and have used it in several countries in Europe, Asia and Africa and have always compared the rate I received with XE.Com and fx bureau locally as well as the best rate I would have received had I purchased my currency in U.K. as per mse money and always found this to be very competitive most of the time the best rate. Granted you may get a slightly better rate using a MasterCard but having the ability to withdraw from atms is a clear winner.
sydney8713 m ago

II would like to disagree as I have this card for a year now and have …II would like to disagree as I have this card for a year now and have used it in several countries in Europe, Asia and Africa and have always compared the rate I received with XE.Com and fx bureau locally as well as the best rate I would have received had I purchased my currency in U.K. as per mse money and always found this to be very competitive most of the time the best rate. Granted you may get a slightly better rate using a MasterCard but having the ability to withdraw from atms is a clear winner.


And having till the end of the statement date to pay it off i.e upto 56 days which is not available with the halifax. This is not so much a problem if you have internet banking but who wants to keep logging on to pay it off to avoid interest. With this you don't have to. It's not a bad idea but i just normally take cash if i'm going somewhere
Anon3219 m ago

And having till the end of the statement date to pay it off i.e upto 56 …And having till the end of the statement date to pay it off i.e upto 56 days which is not available with the halifax. This is not so much a problem if you have internet banking but who wants to keep logging on to pay it off to avoid interest. With this you don't have to. It's not a bad idea but i just normally take cash if i'm going somewhere


Just set up a direct debit to pay off the full amount. I only use this card abroad.
Although this card may not have ATM fees it looks like they may charge 27.9% APR on cash, and this normally starts on the day of withdrawal.
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