1.Lloyds Bank Ultra Travel Credit Card
Lloyds Bank
- 1%Cashback on all purchases for the first year
- 0.25%Cashback on all purchases thereafter
1% unlimited cashback on all card purchases for the first 12 months from account opening.
1% cashback on all purchases (including foreign) for the first year, dropping to 0.25% thereafter.
12.9% APR variable
The Lloyds Bank Ultra Travel Credit Card stands out as the top choice because it offers a generous 1% cashback on all purchases for the first year, making it an excellent option for those looking to maximize their rewards without incurring any annual fees.
Pros:
- No annual fee
- 1% cashback on all purchases for the first year
Cons:
- Cashback drops to 0.25% after the first year
- Interest applies to cash withdrawals
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, making it a reliable choice for international travelers.
Pros:
- No foreign transaction fees
- Straightforward fee structure
Cons:
- Higher APR compared to some competitors
- Limited rewards structure
3.Barclaycard Rewards Visa
Barclaycard
- 0.25%Cashback on eligible purchases
N/A
0.25% cashback on eligible purchases.
28.9% APR variable
The standout feature here is the Barclaycard Rewards Visa's ability to provide cashback on everyday spending without foreign transaction fees, making it a practical option for users who want to earn rewards while traveling or shopping internationally.
Pros:
- No annual fee
- Cashback on everyday spending
Cons:
- Higher APR
- Limited cashback rate
4.Virgin Money Travel Credit Card
Virgin Money
- 1%Cashback on spending for the first 90 days
- 0.25%Cashback on spending thereafter
Typically involves earning bonus Virgin Points after making your first purchase within 90 days.
1% cashback on all spending for the first 90 days, dropping to 0.25% thereafter.
27.9% APR variable
This card shines for its travel-friendly features, particularly the absence of foreign transaction fees and the introductory 0% interest on purchases, making it a solid choice for travelers.
Pros:
- No foreign transaction fees
- 0% interest on purchases for a limited time
Cons:
- Cashback drops after the introductory period
- Higher APR
5.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-related rewards
Cons:
- Higher APR
- Limited rewards on non-travel spending
6.Barclaycard Avios Plus Mastercard
Barclaycard
- 1.5Avios on all purchases
Collect 25,000 Avios when you spend £3,000 in the first three months.
Earn 1.5 Avios for every £1 spent.
80.1% APR variable
A key differentiator for the Barclaycard Avios Plus Mastercard is its competitive earning rate of 1.5 Avios per £1 spent, making it a solid option for those looking to accumulate Avios on everyday purchases.
Pros:
- High Avios earning potential
- Strong welcome bonus
Cons:
- High annual fee
- Very high APR
7.Barclaycard Avios Mastercard
Barclaycard
- 1.5%Avios for every £1 spent on eligible purchases with the paid card.
- 1%Avios for every £1 spent on eligible purchases with the free card.
Collect 5,000 Avios if you spend £1,000 in the first three months.
Collect 1 Avios for every £1 spent on eligible purchases.
29.9% Variable APR
The Barclaycard Avios Mastercard stands out as a great entry-level card for those looking to earn Avios on everyday spending without any annual fee. Its straightforward rewards structure makes it easy for users to accumulate points towards travel.
Pros:
- No annual fee
- Easy to earn Avios
Cons:
- Higher APR
- Limited rewards on non-eligible purchases
8.British Airways American Express Premium Plus Card
British Airways
- 3%Avios on British Airways purchases
- 1.5%Avios on all other purchases
Collect 50,000 Avios when you spend £6,000 in the first three months.
Earn 1.5 Avios per £1 spent, 3x on British Airways purchases.
136.4% representative APR
The British Airways American Express Premium Plus Card earns the #1 spot due to its high Avios earning potential and the valuable Companion Voucher, making it ideal for frequent British Airways flyers looking to maximize their rewards.
Pros:
- High Avios earning potential
- Valuable Companion Voucher
Cons:
- High annual fee
- Very high APR
9.Virgin Atlantic Reward+ Mastercard
Virgin Atlantic
- 1.5Virgin Points on all purchases
Earn 21,000 bonus points with your first card purchase made within 90 days.
Earn 1.5 Virgin Points for every £1 spent.
69.7% APR variable
The Virgin Atlantic Reward+ Mastercard is particularly appealing for its high earn rate of 1.5 Virgin Points per £1 spent, making it a great choice for those who frequently travel with Virgin Atlantic.
Pros:
- High earn rate of Virgin Points
- Attractive welcome bonus
Cons:
- Annual fee applies
- Higher APR
Final Words
As you consider the best travel credit cards this February 2026, remember that the right choice can enhance your travel experience and maximize your rewards. Take time to compare your options, evaluate the benefits, and make informed decisions that align with your financial goals.
Frequently Asked Questions
The Lloyds Bank Ultra Travel Credit Card features a welcome bonus of 1% unlimited cashback on all card purchases for the first 12 months from account opening.
The Barclaycard Rewards Visa offers a reward rate of 0.25% cashback on eligible purchases. There is no welcome bonus available for this card.
The Halifax Clarity Credit Card has an annual fee of £0, making it a cost-effective option for those looking to manage travel expenses without extra charges.
Travel credit cards often provide rewards such as cashback, points, or miles that can be redeemed for travel expenses. They may also come with additional perks like no foreign transaction fees, travel insurance, and airport lounge access.
Consider your spending habits, travel frequency, and the type of rewards that appeal to you. Look for cards with low fees, generous welcome bonuses, and benefits that align with your travel goals.
The Lloyds Bank Ultra Travel Credit Card has no annual fee, making it a great option for users who want to earn rewards without incurring extra costs.
After the first year, the cashback rate for the Lloyds Bank Ultra Travel Credit Card drops to 0.25% on all purchases.


