Best Credit Card for US - zero fees

[Portugal1000]

I dont usually use our card when in US as everything already paid for when we get there and just take cash and travellers cheques. This year staying a week in St Petes and will have to pay for hotel when there (over $2000, ouch!) and dont really want to take all those extra travellers cheques and dont want extra charge on credit card so hoping someone can recommend. Will be paid in full when we get home so no worries about 0% period or anything.
Thanks

 

[BudgieMama]

We have a Halifax clarity card, which is no fee on foreign currency transactions and has a good exchange rate. We used it in NYC last summer, Iceland in February and will put almost everything we spend in Disney on it in August because it is so good.

 

[2Tiggies]

Post Office credit card works well for me. Also, they usually give a decent length interest free period on purchases when taking out a new card and TCB and Quidco frequently run cashback offers for successful applications. I got £50 a few years ago when I applied.

 

[Elise79]

I also use the post office card :thumbsup

Interbank rate plus no charges

 

[tennisfan]

I also use the post office card :thumbsup

Interbank rate plus no charges

This is why I have the Post Office card. Much better rates too due to interbank rate rather then tourist rate

 

[wilma-bride]

The Halfax Clarity is the card which moneysavingexpert professes to be the best, but like others here I have the Post Office card, which (in my opinion) is just as good.

I use it for everything we purchase in $$ be it while we are on holiday or before we go, booking hotels, cruises etc, park tickets, etc.

 

[ford family]

For the over fifties there is also the Saga Platinum card which also uses interbank rates and has no fees.

ford family

 

[Disney Frenhines]

If you already have any Halifax credit card, even with no balance on it and unused for a couple of years then you cannot apply for the Clarity card, I was not happy to find that out. Apparently the Nationwide has a decent credit card for rates. However, just remember to check that any credit card doesn't charge for every transaction or slap on the Non Sterling fee. I have both the Caxton FX and Travelex cash cards which I load up when the rates are good. I also use them to pay for anything I purchase on US websites such as the tickets for MVMCP or Garden Grocer for exampleas there are no charges.

 

[wilma-bride]

If you already have any Halifax credit card, even with no balance on it and unused for a couple of years then you cannot apply for the Clarity card, I was not happy to find that out. Apparently the Nationwide has a decent credit card for rates. However, just remember to check that any credit card doesn't charge for every transaction or slap on the Non Sterling fee. I have both the Caxton FX and Travelex cash cards which I load up when the rates are good. I also use them to pay for anything I purchase on US websites such as the tickets for MVMCP or Garden Grocer for exampleas there are no charges.

Nationwide charge a fee on their credit card for foreign transactions now (didn't used to be the case but changed a few years ago). It's quite a low fee but still a fee.

 

[1andrea]

Another vote for the Post Office Credit Card from me! Been using it for years :0)

 

[Princess Leia]

I got the post office credit card last year after my own credit card starting charging exchange fees. We use it for most purchases. It can be hard to predict what you might spend so a credit card is a great idea.

 

[cliveywolves]

I also use the post office card..

Interbank rate plus no charges

Same for us too Post Office all the way...

 

[wayneg]

The Halfax Clarity is the card which moneysavingexpert professes to be the best, but like others here I have the Post Office card, which (in my opinion) is just as good.

I use it for everything we purchase in $$ be it while we are on holiday or before we go, booking hotels, cruises etc, park tickets, etc.

I have and use both Halifax Clarity & PO.
PO is almost as good but Halifax is better if you draw cash out of ATM's abroad. For this service Halifax have no fees but PO charge 2.5% handling fee, subject to a minimum of £3
If you are only using the card for purchases then no difference.

 

[Disney Frenhines]

Just to let you know my basic Tesco credit card doesn't charge fees when used in the US. I used it just the once when I went to DTD and found the Pink Vera Bradley bags I was hunting for at World of Disney, I didn't have enough on my Cash Passport for it and decided to charge to the room to save the palaver of having to log into my CPP account and so on then just suck up the charges rather than have the bags be gone by the time I sorted it out, just got the statement and there were no fees added at all. I never usually charge to the room, so this was good to know for the future.

 

[wayneg]

Just to let you know my basic Tesco credit card doesn't charge fees when used in the US. I used it just the once when I went to DTD and found the Pink Vera Bradley bags I was hunting for at World of Disney, I didn't have enough on my Cash Passport for it and decided to charge to the room to save the palaver of having to log into my CPP account and so on then just suck up the charges rather than have the bags be gone by the time I sorted it out, just got the statement and there were no fees added at all. I never usually charge to the room, so this was good to know for the future.

Tesco will not show any fees on your statement but they have a 2.75% fee built into their conversion rate as stated in their fees & charges http://www.tescobank.com/assets/sec...bank-cc-pur-summary-box.pdf?_=cachebuster1501
They also have a 3% or £3 minimum fee for cash abroad.

To simplify if you use a fee free card like PO or Halifax Clarity today you would get the interbank rate of $1.6788, Tesco would use a rate of $1.6326.