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Supercard from Travelex is now available – the end of FX credit card charges?

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Back in March I wrote about the forthcoming launch of Supercard from Travelex.  It is very rare that a totally revolutionary payment product comes along but this could be it.

As you (hopefully) know, almost all UK credit, debit and charge cards add a 3% fee when you buy something abroad.

There are only a handful of cards which waive this fee.  There are a few free options, such as the Post Office Platinum and Halifax Clarity. There is only one credit card in the UK which offers reward points and no FX fees and that is the Lloyds Avios Rewards card (review here). You need to pay a £24 annual fee for that.

Supercard

Supercard is different. It can be used anywhere where a Visa card is accepted. Your purchase is translated into Sterling as the standard Visa / MasterCard rate and charged to any UK credit or debit card you nominate. You will receive the usual rewards from that card.

Let’s imagine spending $150 in New York. If you use your Marriott MasterCard, you would be charged £103 based on a $1.50 exchange rate. Use Supercard – with your Marriott card linked to it – and your Marriott card would be charged just £100.

Supercard does away with the need to keep a separate credit card just for overseas purchases. You would earn reward points on every overseas purchase (assuming you linked a rewards credit card!), you would have spare credit available – by cancelling your Post Office or Halifax card – to apply for another rewards card and you would have one less bill to manage each month.

Back in March you could pre-register your interest via the Supercard website.  I did that, but have not received notification yet.

However, as an eagle-eyed reader spotted, the app is now available to downloadThe links to the iOS and Android apps are on this page.  It is not in the iOS app store yet – you need to follow the link.

As of 11pm last night, when I wrote this, it was misbehaving and would not let me register.  The reader who sent me the link had been able to register OK.

Only a limited number of registrations are being taken at the moment so act sooner rather than later if you want to be in the first wave and get the card in time for your next foreign trip.


Want to earn more points from credit cards? – August 2022 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

25,000 Avios for signing up and an upgrade voucher for spending £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher for spending £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

EDIT: Until 25th October 2022, there is an exceptionally generous sign-up bonus on The Platinum Card. You will receive 60,000 Membership Rewards points – double the usual amount – and £200 to spend at Amex Travel. You need to spend £6,000 within six months to earn the bonus.

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable card perk – the 2-4-1 voucher Read our full review

American Express Amex Gold

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

60,000 points, £200 travel credit and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

15,000 points bonus and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Capital On Tap Business Rewards Visa

10,500 points bonus – the most generous Avios Visa for a limited company Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback credit card

1% cashback (3% on business travel for four months) and no annual fee Read our full review

Comments (236)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Geoggy says:

    Whilst this card is clearly good – after the bloody farce of the launch I think I will wait and see what the view is once people get their cards.

    After trying innumerable times yesterday I tweeted them and they asked me to DM them my email address. I did and then they said “thanks will check that now” then they disappeared for 12 hours, whilst clearly still helping people on Twitter.

    Add to that people trying today are getting accepted and I am half tempted to tell them where to stick it.

    I might be wrong and their CS might be tiptop but I can’t see it unless they invest heavily in service

  • BlueHorizonUK says:

    Just got an email. applications open again and this time it worked and card is on the way!

  • Jeremy says:

    Appears to be working now on iOS i was able to signup

  • Kathy H says:

    I decided to have a quick look at the Supercard app a few moments ago and it showed that I could proceed with registration details and have been accepted for it.

  • Liz says:

    Hallelujah! Finally got signed up – only taken since 6.30 yesterday morning! If at first you don’t succeed, try another million times!

  • steve says:

    Does anyone have ideas as to why they are using the domain .IO ??

    • pj says:

      Idiots Only (need apply)?

      They have stolen your credit card details and are spending your money on Russian who-ers, vodka and caviar as we speak

      • Polly says:

        PJ…Very entertaining, keep it up! Making me laugh out loud!If only it wasn’t such a serious issue.. You could be right!

  • Alan says:

    App is allowing registrations again – email received saying they’d had issues due to demand.

    Worked fine for me 5 mins ago.

  • James says:

    At about 8:30 pm today I received an email from Supercard saying they had some extra cards. Signed up at about 10pm, no issues at all. Suggest others try again!

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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