Tandem  - Credit Card No non-sterling transaction fees on spending or cash withdrawals overseas plus .5% cashback whether spending here or abroad
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Tandem - Credit Card No non-sterling transaction fees on spending or cash withdrawals overseas plus .5% cashback whether spending here or abroad

10
Found 18th Oct 2017
App-based Tandem Bank is launching a top credit card for use abroad, offering fee-free spending and overseas cash withdrawals PLUS 0.5% cashback on all purchases. Here's how it stacks up against our current top picks.

The Tandem Cashback Credit Card, which has a waiting list you can join from today, will have the following features:

  • No non-sterling transaction fees on spending or cash withdrawals overseas. Don't use it to get cash out in the UK though – it has ATM fees here of 2.5% of the withdrawal or £2.50, whichever's higher.
  • You'll earn 0.5% cashback on all purchases of £1+, including those made overseas. There's no limit on the cashback you can earn, and it'll be paid to your card account every month on your statement date.
  • If you don't pay off your balance in full each month, you'll be charged 18.9% rep APR on purchases. Poorer credit scorers could be charged 22.9% or 24.9% rep APR.
  • Cash withdrawals will incur interest each month charged at 18.9% APR even if you pay off your balance in full. So aim to pay off cash withdrawals as soon as possible after making them. Poorer credit scorers could be charged 22.9% or 24.9% rep APR.
To apply for the card, you'll need to be 18 or over and have three years' address history in England, Scotland or Wales – Tandem says those in Northern Ireland are unlikely to be eligible for the card. You'll also need to earn at least £13,000 a year.
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10 Comments
Good old mse hey!
Seems a fair deal if you are abroad a lot but I think I'm missing what's special about this card. Halifax Clarity gives same deal abroad and Barclaycard gives 0.5% cash back. What am I missing?
kalico3 h, 36 m ago

Seems a fair deal if you are abroad a lot but I think I'm missing what's …Seems a fair deal if you are abroad a lot but I think I'm missing what's special about this card. Halifax Clarity gives same deal abroad and Barclaycard gives 0.5% cash back. What am I missing?


And Nationwide Select gives both if you have one of their accounts, which is easier than getting a credit card.

But options are good, it's very possible that a bank like Tandem will have different ways of deciding whether to offer credit than a high street bank would. Most people won't be accepted for every card there is.
kalico4 h, 16 m ago

Seems a fair deal if you are abroad a lot but I think I'm missing what's …Seems a fair deal if you are abroad a lot but I think I'm missing what's special about this card. Halifax Clarity gives same deal abroad and Barclaycard gives 0.5% cash back. What am I missing?


Where does it say its special? Barclays card for abroad does not pay cashback. Clarity is the same but does not pay cashback! What are you missing?
Muir1 h, 59 m ago

And Nationwide Select gives both if you have one of their accounts, which …And Nationwide Select gives both if you have one of their accounts, which is easier than getting a credit card.


nationwide.co.uk/sup…ges


you need the select credit card to be sterling transaction fee free! They still charge a 2.5% cash fee with £3 minimum! Not very good if i have to draw just £20 out! This is cash withdrawal free and .5% on spending! Are you sure you understand what's in this deal

Update: The student card and flex one are indeed fee free but they do not pay cashback
Edited by: "Anon32" 18th Oct 2017
Or the Aqua Reward card gives 0% free on purchases abroad and 0.5% cashback on all purchases. (Not cash withdrawals though)
Tandem is not a bank; it lost its banking licence in May
ft.com/con…623
This is definitely a "rope em in" deal. I doubt they'll keep this cashback offer for long
OMG got my card today...... My experience so far..

Dont expect anything like Monzo or Starling Bank customer service.

Apart from activating the card the staff have no clue about the card. It's very worrying if you have any issues how they would handle it.

I've also sent them 4 emails and it took them 1 week to reply to the first email.. not sure what happened to the other 3 yet!

Hopefully transactions will be seamless so will never need to call them.
Edited by: "imtiajmeah" 19th Jan
imtiajmeah19th Jan

OMG got my card today...... My experience so far.. Dont expect anything …OMG got my card today...... My experience so far.. Dont expect anything like Monzo or Starling Bank customer service.Apart from activating the card the staff have no clue about the card. It's very worrying if you have any issues how they would handle it.I've also sent them 4 emails and it took them 1 week to reply to the first email.. not sure what happened to the other 3 yet!Hopefully transactions will be seamless so will never need to call them.


I have also experienced poor customer service from them.

However:

The card arrived quickly after applying.
The app is quick and easy.
This is the only fee free card offering 0% on use abroad and cashback abroad.

So overall, I am happy
Edited by: "myotherusernameisclean" 28th Jan
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