Are you itching to go on a trip after a year of being stuck indoors? Do your dreams involve exploring the world and creating unforgettable memories? If so, you'll want to get your hands on the best UK credit cards for travel to save money and earn amazing rewards as you venture out. But with so many options available, how do you know which one is right for your globetrotting lifestyle? Fret not, dear wanderer! Our relatable and authoritative guide will break down the best travel credit cards in the UK, so you can focus on planning your next big adventure.
Best UK Credit Cards For Travel Table of Contents
The Top UK Credit Cards for Travel
To help you make an informed decision and align your financial goals with your desires, here are the top UK credit cards for travel:
- Barclaycard Rewards Credit Card
- American Express British Airways Premium Plus Card
- Halifax Clarity Credit Card
- Virgin Atlantic Reward+ Credit Card
- Santander All in One Credit Card
1. Barclaycard Rewards Credit Card
Best for: Reward simplicity
If you want a straightforward and hassle-free reward system, the Barclaycard Rewards Credit Card is for you.
- No annual fee
- 0.25% cashback on everyday spending
- No foreign transaction fees or ATM fees (cash withdrawals will incur interest)
- Access to credit limit increase and lower interest rates over time, subject to eligibility
2. American Express British Airways Premium Plus Card
Best for: Air miles collectors
For those seeking to maximize their air miles, the American Express British Airways Premium Plus Card offers serious gains and perks.
- £195 annual fee
- 25,000 bonus Avios Points (minimum £3,000 spend in the first three months)
- 1.5 Avios Points per £1 spent on card purchases
- 3 Avios Points per £1 spent shopping directly with British Airways
- Companion voucher for spending £10,000 annually
3. Halifax Clarity Credit Card
Best for: No foreign transaction fees and low-interest rates
The Halifax Clarity Credit Card is perfect for travelers who want flexibility without worrying about extra fees while abroad.
- No annual fee
- No foreign transaction fees or ATM fees (interest applied from the day of withdrawal)
- A lower-than-average interest rate (currently 19.9%)
- Eligibility for Halifax's Cashback Extras program
4. Virgin Atlantic Reward+ Credit Card
Best for: Frequent flyers with Virgin Atlantic
Virgin Atlantic loyalists can benefit from the perks of the Virgin Atlantic Reward+ Credit Card.
- £160 annual fee
- 15,000 bonus points after the first purchase within 90 days
- 1.5 points earned for every £1 spent
- 3 points earned for every £1 spent with Virgin Atlantic and Virgin Holidays
- Companion or upgrade voucher for spending over £10,000 annually
5. Santander All in One Credit Card
Best for: A balance between rewards and low fees
Finally, the Santander All in One Credit Card offers a comprehensive package for travelers.
- £3 monthly fee (£36 per year)
- 0.5% cashback on all purchases
- No foreign transaction fees
- 0% interest in balance transfers for 26 months (with 0.5% transfer fee)
Best UK Credit Cards For Travel Example:
Imagine planning a two-week holiday to Spain with a budget of £3,000. If you choose the American Express British Airways Premium Plus Card, you'll earn 4,500 Avios points from your spending. Couple this with the 25,000 bonus points when meeting the minimum spend threshold, and you'll have a total of 29,500 points – enough for a round-trip economy ticket to a European destination or a significant discount on future flights!
Whether you're a cashback aficionado or an air miles collector, these top UK credit cards for travel will surely enhance your globetrotting experiences. Consider your spending habits, potential rewards, and any associated fees before making a decision. With the right card in your wallet, you'll be on your way to a more rewarding and cost-effective travel experience.
Did you find this guide helpful? Don't forget to share it with your fellow travelers and explore more of our stellar content on Flik Eco to stay informed on personal finance and investing! Safe travels and happy adventuring!
