Enjoy cashback and no fees when you pay by card overseas
We’ve extended our overseas spend offer, and it’s now even more rewarding. Use your Vanquis Credit Card abroad between 1 and 31 August 2026 and pay no foreign transaction fees. Plus, you’ll earn 1% cashback, up to a maximum of £50, on spend abroad. Terms apply.
What's included?
When you’re in another country, there’s normally one fee for paying by card and two fees for taking money out of a cash machine.
Paying by card
In August, there are no fees (0%) for using your card abroad
We’re not charging you the ‘foreign transaction fee’ of 2.99% (saving you £2.99 for every £100 you spend abroad in August).
Remember you’ll earn 1% cashback on spend abroad, up to a maximum of £50.
Taking cash out
The fee for taking foreign currency out of a cash machine abroad is also 0% in August
We’re not charging you the usual 2.99% ‘foreign transaction fee’.
You’ll still pay a fee each time you use a cash machine abroad
This is called a ‘cash transaction fee’ which is 3% of the amount you take out or a minimum of £3 (whichever is higher). And remember, you’ll pay interest on this fee from the date of your cash withdrawal.
You don’t need to do anything. You won’t be charged fees for overseas spend made on your Vanquis Credit Card in August and cashback will be automatically credited to your account.
Some important info
Please spend responsibly and stay within your credit limit. Remember, the more of your balance you pay off each month, the less interest you’ll pay over time. 0% foreign transaction fees and 1% cashback offer apply to eligible card purchases made outside the UK during August only. Eligible on accounts opened by 30 June 2026. Maximum cashback that can be earned is £50. We may withdraw this offer at any time, if that happens we’ll put a notice on this webpage. Terms and conditions apply.
Why use your Vanquis Credit Card abroad?
- You can pay with it anywhere you see the Visa logo (millions of places worldwide)
- It’s safer than carrying large amounts of cash
- Certain credit card purchases between £100 – £30,000 are covered by Section 75 of the Consumer Credit Act 1974. If something goes wrong, you may be able to get some or all of your money back. Find out more here.
- You can track your spending in the app
- If your card goes missing, you can quickly freeze it in the app to stop anyone else using it
A few handy tips to consider
- If the card machine asks you whether you want to pay in GBP or the local currency, choosing the local currency can be cheaper. That’s because the exchange rate is usually set by Visa, not the restaurant or shop.
- Keep in mind that having cash could be useful for local markets and tips so you may want to take some with you.
- Make sure we have your correct mobile number before you travel, just in case we need to contact you. You can update it in the app or give us a call – there’s no need to tell us where or when you’re going though.
For more useful info on using your credit card on holiday, check out: Using a credit card on holiday.