1.Barclaycard Rewards Credit Card
Barclays
- 0.25%Cashback on eligible purchases
N/A
Earn 0.25% cashback on eligible purchases.
28.9% APR variable
The Barclaycard Rewards Credit Card stands out as a straightforward option for those looking to earn cashback on everyday spending, with no annual fee and no foreign transaction fees, making it a practical choice for international travelers.
Pros:
- No annual fee
- No foreign transaction fees
Cons:
- Low cashback rate
- Limited rewards structure
2.Halifax Clarity Credit Card
Halifax
- No rewards breakdown available
Sometimes offers a £20 sign-up bonus for making a purchase within 90 days.
N/A
23.9% APR variable
What sets the Halifax Clarity Credit Card apart is its focus on travel, offering no foreign transaction fees and a straightforward fee structure. It's particularly beneficial for those who frequently spend abroad, making it a reliable choice for international travelers.
Pros:
- No foreign transaction fees
- Straightforward fee structure
Cons:
- Limited rewards
- No ongoing cashback
3.Lloyds Ultra Visa Credit Card
Lloyds
- 1%Cashback on all purchases for the first 12 months
- 0.25%Cashback on all purchases thereafter
1% cashback on all purchases for the first 12 months.
1% cashback on all purchases for the first 12 months, 0.25% thereafter.
12.9% APR variable
The standout feature here is the Lloyds Ultra Visa Credit Card's unlimited 1% cashback on all purchases during the first year, making it a strong choice for those who can pay off their balance in full to maximize rewards.
Pros:
- No annual fee
- High cashback in the first year
Cons:
- Cashback drops significantly after the first year
- Interest can negate cashback benefits
4.NatWest Travel Reward Credit Card
NatWest
- 1%Rewards on eligible travel spending
- 0.1%Rewards on other purchases
N/A
1% back on eligible travel spending, 0.1% on other purchases.
27.9% Variable APR
A key differentiator is the NatWest Travel Reward Credit Card's focus on travel-related rewards, providing a solid return on eligible travel spending while maintaining no foreign transaction fees.
Pros:
- No foreign transaction fees
- Focus on travel rewards
Cons:
- Low cashback on non-travel purchases
- Higher APR
5.Zopa Credit Card
Zopa
- No rewards breakdown available
N/A
N/A
34.9% APR variable
This card shines for its focus on credit management tools rather than traditional rewards, making it ideal for users looking to build credit while enjoying features like free credit score monitoring.
Pros:
- No annual fee
- User-friendly digital experience
Cons:
- No traditional rewards
- Higher APR
Final Words
As you explore the best credit cards with no foreign transaction fees this February 2026, remember to weigh your options carefully. You should consider your spending habits and travel needs to make an informed choice that maximizes your benefits while minimizing costs. Take time to compare the offerings and select the card that best aligns with your financial goals.
Frequently Asked Questions
The Barclaycard Rewards Credit Card offers a straightforward cashback option with no annual fee and no foreign transaction fees. You can earn 0.25% cashback on eligible purchases.
The Halifax Clarity Credit Card does not have a standard rewards program, but it sometimes offers a £20 sign-up bonus for making a purchase within 90 days. It is particularly valued for having no foreign transaction fees.
With the Lloyds Ultra Visa Credit Card, you can earn 1% cashback on all purchases for the first 12 months, and then 0.25% cashback on all purchases thereafter.
Yes, several credit cards in the UK, including the Barclaycard Rewards Credit Card and the Halifax Clarity Credit Card, have no foreign transaction fees, making them ideal for international travel.
When choosing a credit card for travel, consider factors such as foreign transaction fees, rewards on overseas spending, and any travel-related benefits. Comparing several cards based on these criteria can help you find the right fit for your needs.
Most credit card applications can be completed online and require basic personal and financial information. It's important to check your credit score and ensure you meet eligibility requirements before applying.
Many cashback credit cards do not charge annual fees, making them accessible for most users. However, premium cards with higher cashback rates may have annual fees, so it’s important to weigh the benefits against the costs.
