Credit Cards, Debit Cards and Travel Cards

Credit cards or travel cards can be very beneficial for people interested in travelling. Especially when they allow individuals to collect points or airline miles for use on flights. Some also provide other bonuses including travel insurance or lounge access.

No. 1 Rules When Using Credit Cards

Don't Withdraw Cash

Free withdrawals don't mean you won't incur instant interest instantly, potentially at a higher rate.

Using credit cards at ATMs may harm your credit rating.

Spend in the Local Currency

Your card will provide the best exchange rates this way

Avoid borrowing if no 0% period

Always pay back what you owe each month to prevent bumping up the interest.

American Express Gold Card

Reward Credit Cards

Perfect for a miles and points beginner
Sign-up bonus of 20,000 Membership Rewards points
Representative APR of 72.4% variable, including the annual fee, based on a £1,200 credit limit. The representative interest rate of purchases, and in the first year when there is no annual fee, is 28.8% APR variable

FREE FOR THE FIRST YEAR. Amex Gold has an annual fee of £160. Waived in your first year, you can cancel at any point.
If you continue after the first year, you can still cancel at any time and get a pro-rata refund on your fee. American Express is the only UK credit card company repay your fee, pro-rata, if you cancel.

20,000 American Express Membership Rewards points may be worth: 20,000 Avios, Virgin Points, Delta SkyMiles, Etihad Guest miles, Emirates Skywards miles. 40,000 Hilton Honors points. 60,000 Radisson Rewards points. 39,000 Marriott Bonvoy points

Other benefits:

Four free airport lounge visits per year, £120 of Deliveroo credit per year, Get up to 12,500 bonus points each year based on your spending

Select the logo or bank title to join today or for more info.

Reward Credit Cards with No Abroad Fees

Barclaycard

Foreign Purchase Fees: 0% EU Countries, 0% Worldwide

Rewards: Cashback, Entertainment, Travel

Representative example: If you spend £1,200 at an annual rate of 25.9% (variable) p.a. your representative APR is 25.9% APR (variable)

Santander

Foreign Purchase Fees: 0% EU Countries, 0% Worldwide

Rewards: Cashback

Representative example: If you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a £3 monthly fee your representative APR is 27.7% APR (variable)