Fees, rewards and points, with the math shown. Card figures come from our catalog.
A foreign currency fee is charged on every purchase in another currency. Compare the fees on UK and German cards, and learn when the fee applies and how to avoid the extra cost at the till.
Our Europe edition compares UK and German credit cards on fees, earn and foreign fees. See which card fits everyday spending, Avios, premium travel or trips abroad.
Four UK credit cards earn Avios directly. Compare the free and paid versions from American Express and Barclaycard at the same spend, and see when the fee pays for itself.
The headline reward rate is not what a card pays you. Net annual value counts caps, exclusions, redemption value and the fee. The formula, and a premium card against a cashback card at two spend levels, computed from our catalog.
How to tell whether transferring card points to an airline or hotel beats a statement credit, the value-per-point formula, the risks, and every transfer-partner change we tracked in 2026 for Indian and US cards.
A welcome bonus is year-one money; the fee is every year. How to value Indian and US welcome offers, the year-one and year-two math, the mistakes that forfeit a bonus, and current offers from our catalog.