Barclays travel credit card - no fees abroad plus also you can withdraw cash abroad you get till the statement date to pay it off! Also 12 months @ 0% APR
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Barclays travel credit card - no fees abroad plus also you can withdraw cash abroad you get till the statement date to pay it off! Also 12 months @ 0% APR

46
Found 8th AprEdited by:"Anon32"
Barclaycard Platinum travel credit card


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  • 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
Representative example

Representative – 19.9% APR (variable)

Cash Rate APR - 27.9% APR (variable)

Purchase rate pa – 19.9% pa (variable)

Assumed credit limit – £1,200

After the promotional period the non-sterling transaction fee will revert to 2.99%.

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.

It would be better to use the creation card if you can access online banking and pay it off the next day. Because the creation card is at 12.9%apr. Plus you can withdraw from the UK fee free

But if you can pay your balance off in full then this card wins every time! As it would be upto 56 days interest free! However thats only foreign currency withdrawals

Do not withdraw in pounds as ypu pay interest from day one and you also get charged a cash machine fee of 2.99% minimum £2.99

withdrawing cash shows up separately on your credit report
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For those wanting to spend abroad but not use a credit card, check out Revolut. Really great product
46 Comments
Interest Charging Information

Purchases and non-sterling cash withdrawals:


  • from the date the transaction is debited to your account until the date of your last statement before the transaction is paid in full
For those wanting to spend abroad but not use a credit card, check out Revolut. Really great product
agree with Bovrilontoast revolut is brilliant.
monzo better
Another vote for Revolut. So easy to use.

But I like the look of this Barclaycard
Edited by: "Gollywood" 8th Apr
I don't understand why you would use Revolut or Monzo if you can get a credit card. What are the advantages?
jchung0712 m ago

I don't understand why you would use Revolut or Monzo if you can get a …I don't understand why you would use Revolut or Monzo if you can get a credit card. What are the advantages?


Revolut is prepaid with whatever amount you need so if your details are stolen they cant rack up a huge bill.
Lots of complaints on their website here and haven't they done away with their prepaid card? so its an online banking app. That you get full credit checked for. So no different than any other bank tbh. If i'm going to use money i'd rather use someone else. Also doesn't starling have an online bank and you can withdraw upto £300 a day and not the £200 per month.

Also free ATM withdrawals are limited to £200 per calendar month – a 2% fee applies above this barclays you can withdraw £500 a day in equivalent currency! Nothing wrong with these cards but this is about barclays not revolut. If you want to start your own thread about that then thats cool.

Update:looks like it was monzo who scrapped their pre pay card
Edited by: "Anon32" 8th Apr
Revolut is amazing, so is this credit card. I have both and use them frequently. Revolut does charge a bit extra during weekends when market is closed. Having Revolut, Monzo and Barclays platinum card allows me to draw more cash abroad when needed.
The rate you get with Revolut is outstanding. If you are looking for credit, then get a credit card. If you are looking for the best exchange rate, then get a Revolut card.
bad bank, they closed my account with them 5 days later after they opened in branch.
Cheers. Ill order one of these for the summer. Thanks again.
For all those hoping to use for ATM cash withdrawals, does this not seriously dent your credit score withdrawing money using a credit card??? I would never do that if I could avoid it.
Edited by: "Aiadi" 9th Apr
[quote]But if you can pay your balance off in full then this card wins every time! As it would be upto 56 days interest free! However thats only foreign currency withdrawals[/quote]

The interest free period applies to foreign purchases also.
How good is the exchange rate compared to Halifax Clarity?
jchung078 h, 34 m ago

I don't understand why you would use Revolut or Monzo if you can get a …I don't understand why you would use Revolut or Monzo if you can get a credit card. What are the advantages?


The main difference is that a credit card uses the tourist exchange rate but revolut uses the interbank rate which is usually around 4% higher.
Personally I would go for Starling Bank. Yes it’s an online bank account but no limit on withdrawals, 0% fees and used Mastercard exchange rate. Very easy to set up and their app I think is their strength!
think Ill stick to my starling bank / revolut card combo
Transferwise borderless and mastercard.
barneyonion9 h, 12 m ago

Revolut is prepaid with whatever amount you need so if your details are …Revolut is prepaid with whatever amount you need so if your details are stolen they cant rack up a huge bill.


If your credit card is stolen/misused without permission you are not liable for the debt.....
justinlinham1 h, 14 m ago

The main difference is that a credit card uses the tourist exchange rate …The main difference is that a credit card uses the tourist exchange rate but revolut uses the interbank rate which is usually around 4% higher.


Rubbish, the Clarity one certainly doesn't.
With The prepaid cards, if the provider goes busted say goodbye to your money, we used Halifax Clarity in the past and for the last two years we’ve been using Creation Everyday card, both brilliant exchange rates and no fee or interest on spending if you pay your balance in full.
If you withdraw cash, make the equivalent payment online on the same day, you’ll get the best exchange rates without paying any interest, but bare in mind that some banks and ATMs abroad charge you the interest.
Amerviv14 m ago

With The prepaid cards, if the provider goes busted say goodbye to your …With The prepaid cards, if the provider goes busted say goodbye to your money, we used Halifax Clarity in the past and for the last two years we’ve been using Creation Everyday card, both brilliant exchange rates and no fee or interest on spending if you pay your balance in full.If you withdraw cash, make the equivalent payment online on the same day, you’ll get the best exchange rates without paying any interest, but bare in mind that some banks and ATMs abroad charge you the interest.


With this card if you withdraw cash you have till the statement date to pay it off! Saves going on to online banking. However if you don't mind the the creation is better as its only 1% a month interest much less than the barclays one. But thats only if you don't pay off the barclays in full
I applied for this card last month and received it a few weeks ago. I was concerned as it doesn't say 'travel' on the card (just 'Platinum' like the normal version). I doesn't mention it's the travel version in any of the paperwork either, or my online account. No mention of the promo foreign cash withdrawal rate either.

I Googled it and found a couple of cases on MSE forums where people had been sent the normal version, even though they had applied for the travel version. They didn't spot the mistake until they'd used them abroad and got clobbered for charges at standard rate.

I 'phoned Barclaycard and the call centre op assured me I had been sent the Travel version, but it's worth double checking if you do get one.

Don't know why they can't just put the 'travel' name on the card, can't be difficult.
Could anyone suggest which of these cards / online-accounts would be best if i only want to buy stuff on the internet from abroad? So I think i'm looking just for the best exchange rate with no other fees?
0% interest free doesn't apply to cash withdrawals.

So you will be charged over 2% a month on the cash you've taken from the ATM on holiday.

Halifax clarity is better as the interest rate on cash withdrawal is lower.

A way to avoid having to pay interest on cash is to load your credit card so you have a positive balance for the amount you plan to take out aboard. This is against the terms of the account, but if it's a relatively small amount it will go unnoticed by their systems.
Edited by: "manbearpig" 9th Apr
manbearpig2 h, 45 m ago

0% interest free doesn't apply to cash withdrawals.So you will be charged …0% interest free doesn't apply to cash withdrawals.So you will be charged over 2% a month on the cash you've taken from the ATM on holiday. Halifax clarity is better as the interest rate on cash withdrawal is lower.A way to avoid having to pay interest on cash is to load your credit card so you have a positive balance for the amount you plan to take out aboard. This is against the terms of the account, but if it's a relatively small amount it will go unnoticed by their systems.


Just looked at the terms, interest free doesn't apply to sterling cash withdrawals, but does to foreign.


If interest is payable, it will be charged over the following period:

Purchases and non-sterling cash withdrawals:
.
  • from the date the transaction is debited to your account until the date of your last statement before the transaction is paid in full

Sterling cash withdrawals and balance transfers:

  • from the date the transaction is debited to your account until it is paid in full.

From here: barclaycard.co.uk/per…ary


That said, I've been travelling a couple of years using Halifax Clarity, without any issues. I forgot to pay off the cash withdrawal for a few days once and got hit with a 33p interest, but considering how much they've saved me in fees, I feel they're probably entitled to that..!
Edited by: "jonno12345" 9th Apr
Anon3217 h, 48 m ago

If i'm going to use money i'd rather use someone else.


And then you wonder why so many people are crippled with debt.
sham637 h, 34 m ago

I applied for this card last month and received it a few weeks ago. I was …I applied for this card last month and received it a few weeks ago. I was concerned as it doesn't say 'travel' on the card (just 'Platinum' like the normal version). I doesn't mention it's the travel version in any of the paperwork either, or my online account. No mention of the promo foreign cash withdrawal rate either.I Googled it and found a couple of cases on MSE forums where people had been sent the normal version, even though they had applied for the travel version. They didn't spot the mistake until they'd used them abroad and got clobbered for charges at standard rate.I 'phoned Barclaycard and the call centre op assured me I had been sent the Travel version, but it's worth double checking if you do get one.Don't know why they can't just put the 'travel' name on the card, can't be difficult.


We have 3 separate Barclaycard accounts, so 6 cards between us. Like you say, there is no difference between the regular platinum card and the travel card. We mark the travel one with a marker, but like you say, it wouldn't be too difficult to call it Travel platinum.
Tamden is better as it also gives you cashback
justinlinham13 h, 7 m ago

The main difference is that a credit card uses the tourist exchange rate …The main difference is that a credit card uses the tourist exchange rate but revolut uses the interbank rate which is usually around 4% higher.


This card uses the Visa interbank rate. I'm a big fan of Monzo but applied for this card for my upcoming holiday as I'm going to need to withdraw more than £200 - apparently it doesn't affect your credit rating too much anyway. Also getting Section 75 protection on purchases is a big win over debit cards.
ricardasgudkovas21 h, 59 m ago

monzo better


Another nob, if you can’t see different between credit card and transaction by Virtual debit card again educate self...
barneyonion22 h, 39 m ago

Revolut is prepaid with whatever amount you need so if your details are …Revolut is prepaid with whatever amount you need so if your details are stolen they cant rack up a huge bill.


But you lose whatever prepaid balance you had, Where as a credit card company protects you in case of a lost card.
justinlinham14 h, 21 m ago

The main difference is that a credit card uses the tourist exchange rate …The main difference is that a credit card uses the tourist exchange rate but revolut uses the interbank rate which is usually around 4% higher.


A Travelling card like Clarity uses the Mastercard rate. I checked at several points today, and for a €100 it was cheaper each time using clarity...It looks like MasterCard sets a rate for the day and revolut uses live rates (depending when it charges) and it could be better or worse depending on the market....so overall it's probably evens...
deleted579598th Apr

Prepaid but more importantly there is no fees for using abroad and you get …Prepaid but more importantly there is no fees for using abroad and you get the best exchange rate. £200 on each a month fee free cash withdrawal.


THere is no fees with this card and some others (e.g.clarity) and it's not necessary best exchange rate. I looked at MasterCard rate throughout today, and for Euros, Mastercard was better...(but depends on the currency market)
Reebok.Ron11 h, 29 m ago

Could anyone suggest which of these cards / online-accounts would be best …Could anyone suggest which of these cards / online-accounts would be best if i only want to buy stuff on the internet from abroad? So I think i'm looking just for the best exchange rate with no other fees?


DEF a credit card version...s75 is an absolute must...
ajavaid925 h, 2 m ago

And then you wonder why so many people are crippled with debt.


IF you don't understand credit cards, don't use them, simples..:D .
jchung0725 m ago

But you lose whatever prepaid balance you had, Where as a credit card …But you lose whatever prepaid balance you had, Where as a credit card company protects you in case of a lost card.


Correct but I use revolut for small value items like dinner and drinks mainly topping it up £50 at a time so my maximum loss is small. Any fraudsters trying to buy high value items will find the card will bounce. And any attempt to test if its working will be seen straight away through the revolut app.
barneyonion18 m ago

Correct but I use revolut for small value items like dinner and drinks …Correct but I use revolut for small value items like dinner and drinks mainly topping it up £50 at a time so my maximum loss is small. Any fraudsters trying to buy high value items will find the card will bounce. And any attempt to test if its working will be seen straight away through the revolut app.


So credit card you lose nothing and revolut you can lose upto £50... .

What do you use the rest of the time?
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