Using Credit cards Abroad and Debit cards Best cards to use overseas on holiday(europe asia)

What are the best debit and credit cards to use abroad, which credit card or debit card has the lowest charges when using on holidays abroad! list of top debit credit cards to use abroad find a bank account that has low fees.

Shopping for a cheap holiday deal is not the only way to save money when you travel abroad another thing that many people neglect is the credit and debit card bank charges , if its not your first time going abroad than you most likely know what i am talking about coming back from the holiday and going through your bank statement and you see charge after charge off all kinds cash withdrawals charges so called fees , interest charges. All of these add a good sum to your holiday cost which you dint really plan and makes the next trip abroad much harder. Anyway i search online for the best credit and debit cards to use when traveling abroad on holiday business or any reason, and from what i find these are the best credit and debit cards at the moment to be used. I will start with the credit cards as they are the best option they offer mush lower fees and interest rates , so remember try to avoid using debit cards as they have the highest fees. Anyway this is the list of the best credit cards to be used when going abroad Europe, US , Asia world wide.

List of the Credit cards providers their fees and interest rate starting with the Best ones. if you don't have any of these cards you should apply for one.

Halifax Clarity Credit card

Low Interest rates and no charges number 1 credit card to use abroad

At the moment the Halifax Clarity Credit card has the best offer for use abroad it has a 0% spending fee load , 0% cash withdrawal fee and very low competitive APR OF 12.9%. so if you can get the Halifax Clarity grab it and make the most of it. first thing to do before going on holiday apply for a Halifax clarity credit card

Santander's Zero

Santander's credit card also offers 0% sending fee and 0 cash withdrawal fee the APR when paid in full its a bit higher to 27.9% but it still works as a good deal, not to forget that this card by the end of 2010 they have said they will start charging a flat fee for cash withdrawals abroad so is advisable to check with santander's zero credit card.

Saga credit card

This is another good credit card to use abroad with 0 % on spending fees and a low 2% on cash withdrawals minimum of £2 its quite competitive specially with the 19.6% APR rate makes saga credit card on number 3

Post Office Credit card

The Post office credit card is another good one has 0% on spending and a 2.5% on cash withdrawals a minimum of £3 the APR i slightly lower than santander's card at 24.1%.

These are the top 4 credit cards that will save you some money on your next holiday if for some reason you cant get any of these than you might try other ones the likes of barclaycard, co-op, american express , Tesco, HCBC there are a lot more which you have to really check for they fees and interest rates.

Debit Cards remember they are the worst at accumulating charges but if haven't got the above credit cards than you might consider these 2 debit cards as they offer the best rates , lowest fees, and interests. try to avoid using debit cards abroad but if you credit rating is not good enough to get one of the above creditcards try to shop around see if you can find another credit card that will accept people with bad credit rating although those that do charge a more than the above check each credit card companies carefully because there is a reason why they accept people with bad credit rating they are high risk so their interest and fees are higher. If You decide to use a debit card the listed below are some of the best debit card you could use or should use when you travel abroad.

Nationwide debit card

When using the debit card from nationwide abroad you get charged a 2% on loading fee no purchase charges and flat £1 per cash withdrawal try and get this one i think is the best.

First-direct debit card

This debit card will charge you 2.75% load and 2% minimum £1.75 and maximum of £5 per cash withdrawals almost all the other ones are slightly worst than the first-direct . try to avoid these charges. Bear in mind i was looking these for myself and i thought ill share it with you hope it helps you on saving a little bit.

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