Rewards: Earn 5% cash back on travel booked through Chase, 3% on drugstore purchases and dining including takeout and delivery and 1.5% on all other purchases. All other purchases earn 1 point per dollar spent. The smallest balance you can transfer is £100. Welcome Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Getting a break from finance charges can be a welcome change from the double-digit interest typically charged on credit cards or other loans. Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions. Citi Flex Plan offers are made available at Citi’s discretion. For a limited time, get a special 0% introductory APR on purchases for 20 billing cycles. Read our full review of the Discover it Chrome. All other spending earns 1% cash back. If you run a small business and regularly need to travel abroad, or pay for goods and services in a foreign currency, then Tide might be worth considering. Also it doesn’t charge any interest on overseas spending or withdrawals as long as the balance is paid off in full. We also considered the usefulness of the card beyond the intro APR period including if it earned rewards on purchases. An introductory APR is a promotional offer made by credit card companies to entice potential customers to sign up for a new card. You can transfer balances to a Santander credit card from other credit or store cards, but not from other Santander or cahoot credit cards, or from any type of loan or current account. Zero Credit Card. But it does come with cell phone insurance which could save you money on paying for insurance out of pocket. Other Benefits and Drawbacks: The card’s benefits give it staying power in your wallet long after the introductory offer. Rewards never expire. The Chase Freedom Flex℠ has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. If your current needs strictly relate to a balance transfer, the Lloyds Platinum balance transfer card may offer more long-term value since it doesn't charge a monthly fee. As a Visa Signature card, the Wells Fargo Platinum Visa also offers trip cancellation protection and lost luggage reimbursement, travel accident insurance and auto rental collision coverage. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Just so you’re aware: some ATM providers may charge their own fee. (variable). Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases. Earn unlimited 1.5% cash rewards on purchases. Its APR is 18.9%. © 2021 Forbes Media LLC. This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The Forbes Advisor editorial team is independent and objective. Credit cards are known for charging higher interest rates than many other financial products, but some cards offer a 0% APR period. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses plus a meaty rewards structure to boot. At the time it was a breath of fresh air and was considered the best pre-pay option. Balance transfers must be completed within 4 months of account opening. Those looking to consolidate debt and pay it off over time will appreciate the very long 0% APR intro offer on balance transfers. Balance Transfer Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. Jump to pre-paid and other cards. Discover will automatically match all the cash back you’ve earned at the end of your first year! The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing. Interest will be charged on any outstanding balances and new balance transfers at the standard rate of 20.9% p.a. Other Benefits and Drawbacks: The Cash Wise card carries a foreign transaction fee, making it a poor choice for international purchases. There's no minimum spending or maximum rewards. 100% U.S. Based Customer Service available any time. These allow fee-free ATM withdrawals up to £400, and £600 respectively, as well as host of other benefits, such as medical/travel insurance, priority support, and even cashback (Metal only). It could have been a fantastic one, but the 4% balance transfer fee reduces its appeal. There's no minimum spending or maximum rewards. Get Tide now, or read our overview of the account for more information. Welcome Offer: Intro Offer: Unlimited Cashback Match - only from Discover. Santander’s Zero card though also offers some benefits in the UK too, such as 0% interest on spending for 12 months, and up to 15% cashback via its retail offers with Sky, Just Eat, Co-op, Costa coffee, and more. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. ONCE the king of the cashback and benefits credit card market, American Express has been given a serious run for its money by the Santander 123 Cashback credit card. Loading is done in pounds, dollars, and euros and you are able to convert between the three instantly from within the app. Here’s our guide to the best credit card, debit, and pre-pay cards for travel. The Revolut for business card does just that. Purchase APR (Annual Percentage Rate) refers to the amount of interest you’ll pay on something you bought with your credit card if you carry a balance from month to month. Intro APR Offer: 0.00% Intro APR for 18 months from account opening on purchases and balance transfers (followed by the standard variable APR of 13.99% – 23.99%), Balance Transfer Fee: Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. The account also comes with a myriad of other features, as this article is mainly concerned with travel and foreign currency, these will have to  covered in a separate post. Welcome Offer: Intro Offer: Unlimited Cashback Match - only from Discover. Your card’s APR should be clearly spelled out when you’re approved for your card and also can be found on your monthly statement in the section showing how your interest for that billing cycle was calculated. 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