1.Lloyds Bank Ultra Credit Card
Lloyds Bank
- 1%Cashback on all purchases in the first year
- 0.25%Cashback on all purchases thereafter
1% cashback on all purchases for the first year, dropping to 0.25% thereafter.
1% cashback on all purchases for the first year, dropping to 0.25% thereafter.
12.9% APR variable
The Lloyds Bank Ultra Credit Card stands out as the top choice because it offers a straightforward cashback structure with no fees, making it ideal for everyday spending. Its competitive APR and lack of foreign transaction fees enhance its appeal for frequent travelers.
Pros:
- No annual or monthly account fees
- Low ongoing interest rate
Cons:
- Cashback rate drops after the first year
- Interest charged on 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. It's particularly beneficial for those who frequently spend abroad, making it a reliable choice for international travelers.
Pros:
- No foreign transaction fees
- No cash withdrawal fees
Cons:
- No general cashback
- Interest charged on cash withdrawals
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. This makes it a practical option for users who want to earn rewards while traveling or shopping internationally.
Pros:
- No fees abroad
- Cashback on eligible purchases
Cons:
- Low cashback rate
- Interest may accrue on cash withdrawals
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. It's designed for those who want to spend abroad without incurring additional costs, making it a solid choice for travelers.
Pros:
- No foreign exchange fees
- 0% interest on purchases for 9 months
Cons:
- Higher fees for cash advances
- Limited rewards beyond cashback
5.Santander Edge Credit Card
Santander
- 1%Cashback on all purchases
Targeted offer for current account holders if they use the card 10+ times and set up a Direct Debit within the first three months.
1% cashback on purchases, capped at £10 per month.
37.8% APR variable
A key differentiator is the Santander Edge Credit Card's combination of cashback rewards and fee-free spending abroad. However, the monthly fee and cashback cap may limit its appeal for some users, making it essential to evaluate personal spending habits.
Pros:
- 1% cashback on purchases
- No foreign exchange fees
Cons:
- Monthly fee applies
- Cashback capped at £10
Final Words
As you explore the best travel credit cards this January 2026, remember that selecting the right one can significantly enhance your travel experience and savings. Take time to compare options based on rewards, fees, and benefits to ensure you make an informed decision that aligns with your travel aspirations.
Frequently Asked Questions
The Lloyds Bank Ultra Credit Card offers a welcome bonus of 1% cashback on all purchases for the first year, dropping to 0.25% thereafter.
The Halifax Clarity Credit Card currently offers a £20 sign-up bonus for making a purchase within 90 days, but does not provide ongoing cashback rewards.
With the Barclaycard Rewards Visa, you earn 0.25% cashback on eligible purchases, but there is no welcome bonus available.
All three of the highlighted travel credit cards—Lloyds Bank Ultra, Halifax Clarity, and Barclaycard Rewards Visa—have no annual fees, making them attractive options for budget-conscious consumers.
The Lloyds Bank Ultra Credit Card has a variable APR of 12.9%, which is relatively low compared to many other credit cards.
To choose the best travel credit card, consider factors such as reward rates, annual fees, and any foreign transaction fees. Evaluate your spending habits and travel frequency to find a card that maximizes your rewards.
To apply for a travel credit card, visit the provider's website, fill out the online application form, and provide necessary financial information. Ensure your credit score meets their requirements for a higher chance of approval.
Yes, both the Lloyds Bank Ultra Credit Card and Halifax Clarity Credit Card have no foreign exchange fees, making them suitable for international purchases. Always check the terms of your card for specific details on international use.
