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Representative example: Amount of credit £1,200. Interest rate: 49.0% pa (variable) Representative 49.0% APR (variable)
You might just have found it.
Recent research reveals that the cost of using your credit card overseas is on the rise. That’s why we’ve created the 118 118 Money Credit Card, with no charges from us for using it abroad.
Foreign travel cards are a good option to consider, but as with all forms of credit, its your own personal circumstances which will determine if this is the right fit for you.
If you’re jetting off on holiday or on business, the 118 118 Money Credit Card might just be a useful card to use when travelling abroad. Instead of carrying around lots of foreign cash, it’s a convenient, fee-free way to spend overseas.
It could be a great option for anyone trying to build their credit score, too. With the single rate of interest, you’ll know you’re not coming back to any unexpected charges on your statement. So, you’re free to enjoy your holiday without worrying about how much it’s going to cost you.
You’ll still receive the same level of legal protection under Section 75 of the Consumer Credit Act 1974 on any purchases over £100 and up to £30,000.
When traveling abroad with the 118 118 Money Credit Card it is may be wise to spend in local currency. If you choose to pay in sterling, the foreign bank or retailer that you’re making a purchase with can set the exchange rate used to determine the sum of your bill. This rate is likely to be higher than the rate set by Mastercard to convert sterling to the local currency.
Using a credit card when traveling is a good way of spending money abroad safely as cash can be easily stolen and is impossible to recover if you misplace it. In the event that you lose your credit card while traveling, then you can always block it.
It’s the overseas credit card to help you get away. A specialist international credit card that promises there’ll be no fees from us for using it abroad.
With many of the best credit cards for travel abroad, the headline rates might look attractive – but some charge you interest on any cash you withdraw overseas. And that can add to the cost of your holiday without you even realising it.
But the 118 Money Credit Card does things differently.
You can get a credit limit of up to £2,000 and there’s one simple, flat interest rate. There’s also up to 51 days in interest-free purchases and cash withdrawals if you pay your balance off in full each month. Dollar, euro or yen – we won’t charge you a fee to use your 118 118 Money Credit Card it abroad.
So, no horrible surprises to come home to.
Using a credit card abroad often means paying for the privilege – the cost of paying in a foreign currency or incurring a fee for taking out cash from the airport ATM, for example.
Think of it like this.
You spend the equivalent of £50 for dinner in France. With a different card, it could cost you 3% or £1.50 extra for that meal in euros. Now imagine doing this a few times a day while on holiday. See how quickly the costs can build up?
We thought there had to be an easier way. So, we’ve created the 118 118 Money Credit Card – where all you’ll pay is one simple, manageable interest rate.
So, rest assured that using your credit card abroad won’t add extra charges to your next statement.
*We do not charge any fees. However, third-party vendors may charge you for using their ATM.
Assuming you spend £1000 while traveling on holiday. Other cards might charge you 3% on all of your foreign travel spend. This equals £30 saved on each trip.
Before you apply, use our eligibility checker, which will give you an idea of whether you’ll be approved as well as the credit limit we’ll be able to offer. And you can get all of that without it affecting your credit score.
Looking for a credit card to use abroad? Look no further than 118 118 Money. Use our eligibility checker to see if you’ll be accepted, without affecting your credit score.
Our credit card could be one of the most important things you take on your travels. With it, you’re able to pay for all those things you need to make your getaway as relaxing, enjoyable or rewarding as possible.
Just like any debit or credit card, it can be used to pay for essentials, like a taxi from the airport to your hotel. We do not charge foreign exchange or foreign transactions fee on purchases.
We do charge a 5% fee (minimum of £4) to withdraw cash on your 118 118 Money credit card.
*We do not charge any additional ATM fees for the withdrawal. However, third-party vendors may charge you for using their ATM.
Any transaction in a foreign currency will be converted into sterling. This will be done on the day the transaction is processed, at the Payment Scheme Exchange Rate applied by Mastercard.
Please note: this may differ from the rate on the day of the transaction, as the exchange rates do vary from one day to the next.
There is no reason why simply using your credit card abroad would impact your credit score. And, if you make your bill repayments in full and on time, it proves to lenders that you can be responsible with credit and could even improve your credit score.
And, remember: before you apply, you can use our eligibility checker to see if you could be approved – all without affecting your rating. Bear in mind, however, that if you go ahead with multiple applications for credit in a short period of time then it could have a negative impact on your score.
No, you can not have more than one 118 118 Credit Card at once.
If you are approved, you should receive your card within 10 days. Your pin is available in our Mobile App. Download from App Store or Google Play. For security reasons, they will arrive separately. Then you’ll be ready to start using your credit card abroad.
See if you’ll be accepted before you apply and find out what credit limit we'll offer you without affecting your credit rating!