Look for a card with no non-sterling transaction fees, as these can add to the cost of overseas purchases. Check the card’s exchange-rate policy and whether cash withdrawals attract fees and interest from the day you withdraw, even if you clear your balance each month. When paying abroad, choosing the local currency is often preferable to accepting the retailer’s conversion, known as dynamic currency conversion. Compare the provider’s fees, interest rate and eligibility criteria, and check that it is offered by an FCA-authorised firm.