With Halifax closing I need to get a new credit card in the next while. I always pay my balance in full each month so APR, late fees etc don't affect me.
I want to get a card purely based on the cheapest one to use abroad in terms of non euro purchases, non euro withdrawals and cash advance fees.
With this in mind, which of these is the best card to apply for, or is there a better one out there?
Also I'd like to be able to see all my transactions online, not just a balance like I currently have with Halifax Online.
Bank of Ireland - Clear Credit Card
Card type MasterCard
Minimum qualifying salary (1) €16,000
APR % charged on purchases 9.5%
APR % charged on cash withdrawals 19.9%
Maximum interest free period on purchases 56 days
Maximum interest free period on cash 56 days
Cash advance fee: minimum % of transaction 1.5% (Min €2.54) (2)
Late payment fee €7.50
Over credit card limit fee €6.253
Unpaid item fee €9.50
Non euro purchases fee (as % of transaction value) 1.75%
Non euro cash withdrawals fee (as % of transaction value) 1.75% cross-border handling fee plus 1.5% (Min €2.54) (4)
Introductory APR % on balance transferred 0% for first 6 months
Introductory APR on new purchases N/A
(1). Providers use individual credit scoring systems to determine the risk profile of applicants. Some, in addition require a minimum salary level.
(2). No cash advance fee applies if account is in credit or has zero balance after cash withdrawal is processed.
(3). A charge applies in relation to any statement period in which one or more overlimit positions have occurred.
(4). If account is in credit or has zero balance after cash withdrawal is processed only the cross-border handling fee will be applied.
Permanent TSB - ICE
Card type Visa
Minimum qualifying salary1 No minimum
APR % charged on purchases 13.5%
APR % charged on cash withdrawals 16.9%
Maximum interest free period on purchases 56 days
Maximum interest free period on cash 56 days
Cash advance fee: minimum % of transaction 1.5% (Min €2.00)
Late payment fee €7.50
Over credit card limit fee €7.50
Unpaid item fee €10.00
Non euro purchases fee (as % of transaction value) 1.75%
Non euro cash withdrawals fee (as % of transaction value) 1.75%
Introductory APR % on balance transferred 0% for 6 months
Introductory APR on new purchases N/A
(1). Providers use individual credit scoring systems to determine the risk profile of applicants. Some, in addition require a minimum salary level.
I want to get a card purely based on the cheapest one to use abroad in terms of non euro purchases, non euro withdrawals and cash advance fees.
With this in mind, which of these is the best card to apply for, or is there a better one out there?
Also I'd like to be able to see all my transactions online, not just a balance like I currently have with Halifax Online.
Bank of Ireland - Clear Credit Card
Card type MasterCard
Minimum qualifying salary (1) €16,000
APR % charged on purchases 9.5%
APR % charged on cash withdrawals 19.9%
Maximum interest free period on purchases 56 days
Maximum interest free period on cash 56 days
Cash advance fee: minimum % of transaction 1.5% (Min €2.54) (2)
Late payment fee €7.50
Over credit card limit fee €6.253
Unpaid item fee €9.50
Non euro purchases fee (as % of transaction value) 1.75%
Non euro cash withdrawals fee (as % of transaction value) 1.75% cross-border handling fee plus 1.5% (Min €2.54) (4)
Introductory APR % on balance transferred 0% for first 6 months
Introductory APR on new purchases N/A
(1). Providers use individual credit scoring systems to determine the risk profile of applicants. Some, in addition require a minimum salary level.
(2). No cash advance fee applies if account is in credit or has zero balance after cash withdrawal is processed.
(3). A charge applies in relation to any statement period in which one or more overlimit positions have occurred.
(4). If account is in credit or has zero balance after cash withdrawal is processed only the cross-border handling fee will be applied.
Permanent TSB - ICE
Card type Visa
Minimum qualifying salary1 No minimum
APR % charged on purchases 13.5%
APR % charged on cash withdrawals 16.9%
Maximum interest free period on purchases 56 days
Maximum interest free period on cash 56 days
Cash advance fee: minimum % of transaction 1.5% (Min €2.00)
Late payment fee €7.50
Over credit card limit fee €7.50
Unpaid item fee €10.00
Non euro purchases fee (as % of transaction value) 1.75%
Non euro cash withdrawals fee (as % of transaction value) 1.75%
Introductory APR % on balance transferred 0% for 6 months
Introductory APR on new purchases N/A
(1). Providers use individual credit scoring systems to determine the risk profile of applicants. Some, in addition require a minimum salary level.
