Personal Finance Tips

Does Starling Bank have a credit card? (and alternatives)

Gert Svaiko

30.06.25

Read time 3 minutes

Looking for a new credit card? If you’re already a customer with UK bank Starling Bank, this is naturally the first place you’ll try.

But does Starling Bank have a credit card? Read on to find out, along with info on alternative credit cards available in the UK - including some top picks for travel spending.

We’ll also show you a travel-friendly alternative - the Wise card. It’s not a credit card but an international debit card linked to your Wise account.

You can use it for spending in 150+ countries worldwide, automatically converting your pounds to the local currency at the great mid-market exchange rate, only adding a tiny, transparent conversion fee*.

💳 Learn more about the Wise card

Does Starling Bank have a credit card?

No, at the moment Starling Bank doesn’t have a credit card available. The bank has mentioned launching credit cards in the past,¹ but hasn’t actually done so.

There’s no Starling credit card available at the moment, but it’s not impossible that one will be launched in the future.

Alternative UK travel credit cards to check out

Starling Bank may not have a credit card, but there are plenty of other banks and providers which do.

Below, we’ve put together a quick list of Starling Bank credit card alternatives, with a particular focus on cards that are good for travel.

Credit card	Overseas fees	Card fee	APR	Extra Features
Barclaycard Rewards Credit Card²	None	None	28.9%	0.25% cashback on eligible purchases
Halifax Clarity Credit Card³	None	None	On application	£100 protection on single purchases
NatWest Travel Reward Credit Card⁴	3% (min. £3) for ATM withdrawals⁵	None	27.9%	1% cashback on travel spending
Santander All in One Credit Card⁶	3% (min. £3) for ATM withdrawals	£3/month	29.8%	0.5% cashback on all purchases
Zopa Credit Card⁷	£3 for ATM withdrawals	None	34.9%	Credit Cushion feature

Barclaycard Rewards Credit Card²

The Barclaycard Rewards Card is a great choice for overseas travel. It has no annual fees and no foreign transaction fees, including for cash withdrawals - this is actually pretty unusual for UK credit cards.

The card uses Visa’s exchange rate to convert currency and has a representative APR of 28.9% (variable). Plus, you’ll get perks such as 0.25% cashback on all eligible spending.

Halifax Clarity Credit Card³

Another good pick for travel is the Halifax Clarity Credit Card. It has no annual fees and no foreign transaction fees, including for overseas ATM withdrawals.

Currency is converted using either the Visa or Mastercard exchange rate on that day. There’s no set interest rate, as this and your credit limit will be determined upon application.

NatWest Travel Reward Credit Card⁴

The NatWest Travel Reward Credit Card charges no foreign transaction fees on spending, although it does have a 3% (min. £3) fee for ATM withdrawals.⁵

It also offers 1% cashback on eligible travel spending, which includes flights, train tickets and transport bookings, car hire, hotels, cruises, travel agents and more.

The representative APR for the card is 27.9% (variable), there’s no annual fee and the Visa exchange rate is used for converting currency.

Santander All in One Credit Card⁶

The Santander All in One Credit Card is a good choice for spending abroad, as it has no foreign transaction fees for purchases. However, it does charge a 3% fee (min. £3) for ATM withdrawals.

The card also gives you 0.5% cashback on all spending, up to a maximum of £10 a month. But there is a £3 monthly fee, so you’ll need to do your sums and figure out if you’ll earn enough in cashback to offset this.

The representative APR for the card is 29.8% (variable), and it will either use the Visa or Mastercard exchange rate for converting currency when you spend abroad.

Zopa Credit Card⁷

The Zopa Credit Card is another decent pick for travel, as it has no annual fee and no foreign transaction fees for spending outside the UK. You’ll just need to be mindful of the £3 fee per cash withdrawal.

The representative APR for the Zopa Credit Card is 34.9% (variable) and it uses Visa’s exchange rate to convert currency.

Travelling abroad? Use Wise for low-cost currency conversion and spending

Looking for an alternative for holiday spending? Check out the Wise card. It isn’t a credit card, but is a fantastic option for low-cost spending and cash withdrawals worldwide.

Open a Wise account online and you can order the Wise card for a one-time fee of £7 or get the virtual Wise card for free. You can use this clever card in 150+ countries.

It automatically converts your pounds to local currency whenever you spend using the mid-market exchange rate, only adding a tiny, transparent conversion fee* – or it’s free if you already have the local currency in your Wise account.

Need cash? You also get two free ATM withdrawals for up to £200 (or currency equivalent) each month. Wise won’t charge you for these withdrawals, but additional charges may occur from independent ATM networks.

And if you need to send money overseas, such as to pay expenses on a holiday home or book a hotel, you can use your Wise account to do it in just a few clicks.

✅ Sign up with Wise for free

Sources used:

Starling Bank - Blog - How we’re changing banking in 2019
Barclaycard - Barclaycard Rewards Card
Halifax - Travel Credit Cards
NatWest - Credit Cards
NatWest - Summary box for Travel Reward credit card
Santander - All in One Credit Card
Zopa - Credit Card Summary Box

Sources last checked on date: 17-Jun-2025

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.