Cashback
1.5%
Annual fee
£0
Spending abroad
Free
No foreign transaction fees
Lounge access
Not included
Up to 1.5% cashback when Cashback Reinvest is enabled and a qualifying subscription is paid on the card; otherwise 0% base rate (from 7 Jun 2026).
0% FX fee on card spend at the live interbank rate (no weekend markup). 0.15% fee when converting currencies in the app. ATM free up to £400/month then 1%.
Open a Trading 212 Invest account.
The Trading 212 Card is free and earns 1.5% cashback, which is above the typical reward card at 0.74%, making it worth a look for anyone who already uses the Trading 212 platform. Abroad, it runs on Mastercard at practically nothing off the real exchange rate with no weekend markup, which I think is genuinely useful for travellers. The catch is that the 1.5% rate requires both Cashback Reinvest to be enabled and a qualifying subscription active, and cashback is capped at £15 a month, so heavy spenders will hit that ceiling quickly.
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