Skip to content
No FX Fee

Best No Foreign Transaction Fee credit cards in United Kingdom

No-FX-fee credit cards in United Kingdom drop the foreign-transaction surcharge on purchases made abroad or in another currency.

*a card is filed here in one of three ways: a published issuer or regulator document we hold states a 0% foreign-transaction fee for it; the issuer's own page says, in a sentence about this card, that it charges no foreign-transaction fee (in the US, also when the issuer reports none to the CFPB); or the source listing we imported it from files it that way. Only a card filed on a quoted line or a regulator's record is re-read: we keep that quote and its source on the card's record and re-read the source every week. When the line is gone, a card filed on it leaves this list; a source we cannot re-read stops counting after 60 days (a CFPB survey, 14 months after the period it reports). A card filed by a document's 0% figure stays while that figure is the one on its record; a card filed by the source listing stays as the listing filed it, and we do not re-read the listing. Confirm the fee on the issuer's page before you travel.

15
No Foreign Transaction Fee cards filed
Other categories

Browse a different slice

AllLow Interest54Rewards45Balance Transfer42Business38No Annual Fee36Cash Back300% Intro Purchases30Credit Building23Premium22Travel19No FX Fee15Travel Insurance14Store & Retail12Gas & Fuel10Lounge Access10Points8Airline7Welcome Bonus5Groceries4Student3Secured2Dining1Hotel1
The ledger

All No Foreign Transaction Fee cards in United Kingdom

15 cards
Santander UK№ 1

All in One Credit Card

Mastercard issued by Santander UK.

Balance TransferCash Back
Annual fee£3/month£36/yr
Top earn rateNot confirmed
Chase Uk№ 2

Chase Credit Card

Credit card issued by Chase Uk.

Cash BackNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
Funding Circle№ 3

FlexiPay Business Credit Card

Visa card issued by Funding Circle.

BusinessNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Halifax№ 4

Halifax Clarity Credit Card

Visa card issued by Halifax.

TravelNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Klarna№ 5

Klarna Credit Card

Credit card issued by Klarna.

Low InterestNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Lloyds Bank№ 6

Lloyds Ultra Credit Card

Visa card issued by Lloyds Bank.

Cash BackNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
NatWest№ 7

NatWest Reward Black Credit Card

Mastercard issued by NatWest.

Gas & FuelGroceries
Annual fee£84per year · can be waived
Top earn rateNot confirmed
Royal Bank Of Scotland№ 9

Reward Black Credit Card

Mastercard issued by Royal Bank Of Scotland.

Cash BackGas & Fuel
Annual fee£84per year · can be waived
Top earn rateNot confirmed
Santander UK№ 10

Santander Rewards Credit Card

Mastercard issued by Santander UK.

Cash BackDining
Annual feeNot confirmed
Top earn rateNot confirmed
NatWest№ 11

The NatWest Credit Card

Mastercard issued by NatWest.

Low InterestNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
Lloyds Bank№ 12

Travel Credit Card

Visa card issued by Lloyds Bank.

TravelNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Lloyds Bank№ 14

World Elite Mastercard

Mastercard issued by Lloyds Bank.

Cash BackNo FX Fee
Annual fee£15/month£180/yr
Top earn rateNot confirmed
Lendable№ 15

Zable Credit Card (Lendable)

Mastercard issued by Lendable.

Credit BuildingNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
Questions

Frequently asked

What is the best no foreign transaction fee credit card in United Kingdom?

The best no foreign transaction fee card in United Kingdom depends on your spending and goals. We list every no foreign transaction fee card we hold — 15 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a no foreign transaction fee credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a no foreign transaction fee card with other cards?

Yes. Many people pair a no foreign transaction fee card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these no foreign transaction fee card details are current?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.