THIS IS MONEY'S FIVE OF the simplest HOLIDAY MONEY DEALS

THIS IS MONEY'S FIVE OF the simplest HOLIDAY MONEY DEALS

Starling Bank's accounting allows free purchases and cash withdraws abroad. The bank also offers up to 0.5% interest on your balance and low overdraft fees.The account is managed by smartphone app only.

The American Express Premium Plus mastercard offers a 25,000 free Avios boost once you spend £3,000 within the first three months. Plus its pays 1.5 Avios per £1 spent on the cardboard . It carries a £195 annual fee. 76% APR.

Metro Bank won't charge you for using your card or withdrawing money from an ATM abroad in Europe, but it'll charge you to be used within the remainder of the planet . it'll charge 2.99 per cent on both card purchases and ATM withdrawals.

FairFX is offering this is often Money readers a free prepaid Mastercard currency exchange card. It offers highly competitive exchange rates, no foreign transaction fees and low cash withdrawal charges abroad. It also comes with a £10 bonus once you top up.

Santander's Zero Mastercard credit car offers fee-free spending and cash withdrawals worldwide, with a representative APR of 18.9 per cent.

logoRead our full round-up of the simplest credit and debit cards to use abroad

Best rewards cards for supermarkets: Tesco Clubcard mastercard for Purchases

The card that’s right for you'll depend upon where you wish to buy , but the Tesco Clubcard mastercard for Purchases is especially rewarding for supermarket spending.

It also currently comes with a competitive 0 per cent interest term on spending attached at 26 months.

What it offers

It gives one Clubcard point for each £4 you spend thereon in Tesco stores or on Tesco Fuel and one point for ever £8 spent elsewhere. this is often additionally to the 1 point per £1 you already earn using its loyalty scheme.

One point is worth 1p if spent in-store at Tesco and up to 3p if redeemed using Tesco's Clubcard rewards vouchers.

These are often used for a spread of restaurants, cinemas and other entertainment venues, also as travel, through Avios.

The small print

Points expire after two years and rewards vouchers, two-and-a-half.

Make sure you pay the cardboard off fully monthly otherwise rewards are going to be quickly cancelled out as interest is charged at 19.9 APR per cent.

Points won't be awarded for a few products, including tobacco or tobacco related products, lottery, stamps, prescription medicines, infant formula milk, Tesco Gift Cards, saving stamps, Esso fuel, Paypoint payments or for purchases of some Tesco Bank products.