Credit cards
Start your search for a good value credit card by looking at Fairer Finance's latest product ratings.
Our ratings are designed to help customers make more informed decisions, but they should not be taken as recommendations or advice. Every customer has different needs, and our ratings are simply designed as a short cut to help consumers make sense of the complex world of financial products.
Our product ratings are designed to help you choose a quality policy. We rate policies on the key features that are most important for the majority of customers.
Find out how we calculate our product ratings
- 0% Balance Transfers
- 0% Purchases
- Cashback & Rewards
- Credit Builders
- Foreign Use Cards
- Low Rates
- Money Transfers
|
Brand
|
Product name
|
Star rating
|
Duration of 0% balance transfer offer period
|
Balance transfer fee during promotional period
|
Representative APR
|
|---|---|---|---|---|---|
Santander
|
Everyday No Balance Transfer Fee Credit Card |
|
12 months | 0% | 24.9% |
NatWest
|
Balance Transfer Credit Card |
|
9 or 11 months | 0% | 24.9% |
Royal Bank of Scotland
|
Balance Transfer Credit Card |
|
9 or 11 months | 0% | 24.9% |
|
Santander
|
All In One Credit Card |
|
15 months | 0% | 29.8% |
Tesco Bank
|
Low Fee Balance Transfer Card |
|
20 months | 1.25% | 24.9% |
Ulster Bank
|
Balance Transfer Credit Card |
|
11 months | 0% | 24.9% |
Virgin Money
|
Standard Balance Transfer Credit Card |
|
24 or 12 months | 1.95% or 2.00% | 27.9% |
|
Virgin Money
|
Zero-Fee Balance Transfer Credit Card |
|
12 months | 0% | 27.9% |
Bank of Scotland
|
0% Purchase and Balance Transfer |
|
17 or 12 months | 3.49% to 3.99% | 24.9% |
|
Bank of Scotland
|
Longest 0% Balance Transfer |
|
29 or 14 months | 3.49% to 3.99% | 24.9% |
Barclaycard
|
Up to 12 month balance transfer Platinum card |
|
12 or 6 months | 0% | 24.9% |
|
Barclaycard
|
Up to 19 month balance transfer and up to 22 month purchase Platinum Card |
|
19, 13 or 10 months | 3.45% | 24.9% |
|
Barclaycard
|
Up to 22 month balance transfer and up to 19 month purchase Platinum Card |
|
22, 16, or 12 months | 3.45% | 24.9% |
|
Barclaycard
|
Up to 35 month balance transfer Platinum card |
|
35, 31, or 18 months | 3.15% | 24.9% |
Co-operative Bank
|
Balance Transfer Credit Card |
|
24 months | 3% | 20.6% |
Danske Bank
|
Mastercard Standard with purchase and BT special rate |
|
5 months | 0% | 22.9% |
First Direct
|
Balance Transfer Credit Card |
|
20 months | 2.99% | 24.9% |
HSBC
|
Balance Transfer Credit Card |
|
36 months | 3.09% | 25.9% |
|
HSBC
|
Premier |
|
18 months | 2.99% | 29.9% |
|
HSBC
|
Purchase Plus |
|
17 months | 3.49% | 25.9% |
Lloyds Bank
|
0% Balance Transfer Mastercard |
|
35, 29 or 18 months | 2.99%, 3.29% or 3.79% | 24.9% |
|
Lloyds Bank
|
0% Purchase and Balance Transfer |
|
23, 17, or 12 months | 2.99% or 3.79% | 24.9% |
Marks & Spencer
|
Transfer Plus |
|
30, 27 or 20 months | 3.49% | 24.9% |
MBNA
|
0% Transfers and Purchases |
|
24, 22 or 14 months | 3.49% | 24.9% |
|
MBNA
|
Long 0% Balance Transfer |
|
36, 35, 20, 18 or 16 months | 2.99% | 24.9% |
Nationwide
|
Member Credit Card with All Rounder Offer |
|
15 months | 2.99% | 24.9% |
|
Nationwide
|
Member Credit Card with Balance Transfer offer |
|
30 months | 2.99% | 24.9% |
|
NatWest
|
Longer Balance Transfer Credit Card |
|
16 to 36 months | 3.1% | 24.9% |
|
NatWest
|
Purchase and Balance Transfer Credit Card |
|
12 to 21 months | 3.49% | 24.9% |
Post Office
|
Classic |
|
12 months | 2.9% | 34.9% |
|
Royal Bank of Scotland
|
Longer Balance Transfer Credit Card |
|
16 to 36 months | 3.1% | 24.9% |
|
Royal Bank of Scotland
|
Purchase and Balance Transfer Credit Card |
|
21 months | 3.49% | 24.9% |
|
Santander
|
Everyday Long Term Balance Transfer Credit Card |
|
34 months | 3.15% | 24.9% |
|
Tesco Bank
|
All Rounder Credit Card |
|
9 months | 1.99% | 24.9% |
|
Tesco Bank
|
Balance Transfer and Purchases Credit Card |
|
21 months | 2.95% | 24.9% |
|
Tesco Bank
|
Balance Transfer Credit Card |
|
35 months | 3.15% | 24.9% |
TSB
|
Advance Mastercard |
|
3 months | 0% | 12.9% |
|
TSB
|
Platinum Balance Transfer Card |
|
38 or 35 or 32 months | 3.49% | 24.9% |
|
TSB
|
Platinum Purchase Card |
|
18, 15 or 12 months | 3.49% | 24.9% |
|
Ulster Bank
|
Longer Balance Transfer Credit Card |
|
36 months | 3.1% | 24.9% |
|
Ulster Bank
|
Purchase and Balance Transfer Credit Card |
|
21 months | 3.49% | 24.9% |
|
Virgin Money
|
All Round Card |
|
12, 16, or 20 months | 2.95% | 27.9% |
|
Virgin Money
|
Longer Balance Transfer Credit Card |
|
30, 20, or 14 months | 2.45% or 2.5% | 27.9% |
|
Virgin Money
|
Low-Fee Balance Transfer Credit Card |
|
18 months | 0.95% or 2.25% | 27.9% |
|
Virgin Money
|
Super Long Balance Transfer Credit Card |
|
36, 27, or 21 months | 3.00%, 3.10%, or 3.5% | 27.9% |
|
Virgin Money
|
Travel Card |
|
9 months | 2% | 27.9% |
Asda Money
|
Balance Transfer Credit Card |
|
6 months | 3% | 29.9% |
|
Barclaycard
|
Forward credit card |
|
6 months | 2.9% | 33.9% |
Capital One
|
0% Balance Transfers |
|
18 or 15 or 6 months | 2.9% to 3% | 34.9% |
Fluid
|
Credit Card |
|
9 months | 3% | 34.9% |
|
Marks & Spencer
|
Purchase Plus |
|
6 months | 3.49% | 24.9% |
|
Marks & Spencer
|
Rewards Credit Card |
|
9 months | 3.49% | 23.9% |
|
Marks & Spencer
|
Rewards Credit Card with M&S Club Rewards |
|
9 months | 3.49% | 23.9% |
|
Marks & Spencer
|
Transfer Plus with M&S Club Rewards |
|
30, 27 or 20 months | 3.49% | 24.9% |
Ocean Finance
|
Credit Card |
|
6 months | 2.9% | 39.9% |
|
Post Office
|
Classic |
|
6 to 12 months | 2.9% | 34.9% |
|
Santander
|
World Elite |
|
18 months | 0% | 49.8% |
Vanquis Bank
|
Balance Transfer Credit Card |
|
19 months | 2.90% to 4.50% | 40.9% |
Virgin Atlantic
|
Atlantic Reward |
|
6 months | 3% | 26.9% |
|
Virgin Atlantic
|
Atlantic Reward+ |
|
6 months | 3% | 69.7% |
|
Brand
|
Product name
|
Star rating
|
Duration of purchases offer period
|
Representative APR
|
Highest APR
|
|---|---|---|---|---|---|
|
First Direct
|
Gold Purchases |
|
12 months | 24.9% | 24.9% |
|
Nationwide
|
Member Credit Card with All Rounder Offer |
|
15 months | 24.9% | 24.9% |
|
NatWest
|
Purchase and Balance Transfer Credit Card |
|
12 to 23 months | 24.9% | 29.9% |
|
Royal Bank of Scotland
|
Purchase and Balance Transfer Credit Card |
|
23 months | 24.9% | 29.9% |
|
Ulster Bank
|
Purchase and Balance Transfer Credit Card |
|
12 to 23 months | 24.9% | 29.9% |
|
Bank of Scotland
|
0% Purchase and Balance Transfer |
|
17 or 12 months | 24.9% | 29.9% |
|
Danske Bank
|
Mastercard Standard with purchase and BT special rate |
|
5 months | 22.9% | 22.9% |
|
HSBC
|
Premier |
|
9 months | 29.9% | 29.9% |
|
HSBC
|
Purchase Plus |
|
24 months | 25.9% | 29.9% |
|
HSBC
|
Rewards |
|
6 months | 26.9% | 26.9% |
|
Lloyds Bank
|
0% Purchase and Balance Transfer |
|
25 to 12 months | 24.9% | 29.9% |
|
Marks & Spencer
|
Purchase Plus |
|
26 or 15 months | 24.9% | 30.9% |
|
Marks & Spencer
|
Purchase Plus with M&S Club Rewards |
|
26 or 15 months | 24.9% | 30.9% |
|
Marks & Spencer
|
Rewards Credit Card |
|
9 months | 23.9% | 28.9% |
|
Marks & Spencer
|
Rewards Credit Card with M&S Club Rewards |
|
9 months | 23.9% | 28.9% |
|
MBNA
|
0% Transfers and Purchases |
|
24, 20,14, or 12 months | 24.9% | 29.9% |
|
Santander
|
All In One Credit Card |
|
15 months | 29.8% | 29.8% |
|
Tesco Bank
|
All Rounder Credit Card |
|
9 months | 24.9% | 29.9% |
|
Tesco Bank
|
Balance Transfer and Purchases Credit Card |
|
21 months | 24.9% | 29.9% |
|
TSB
|
Platinum Purchase Card |
|
26, 22 or 19 months | 24.9% | 30.9% |
|
Virgin Money
|
All Round Card |
|
12, 16, or 20 months | 27.9% | 29.9% |
|
Virgin Money
|
Travel Card |
|
9 months | 27.9% | 29.9% |
Amazon
|
The Amazon Barclaycard |
|
6 months | 28.9% | 28.9% |
|
Bank of Scotland
|
Longest 0% Balance Transfer |
|
6 months | 24.9% | 29.9% |
|
Barclaycard
|
Up to 19 month balance transfer and up to 22 month purchase Platinum Card |
|
22, 16, or 12 months | 24.9% | 31.9% |
Chase
|
Credit Card |
|
3 months | 24.9% | 29.9% |
|
Co-operative Bank
|
Balance Transfer Credit Card |
|
4 months | 20.6% | 20.6% |
|
HSBC
|
Balance Transfer Credit Card |
|
3 months | 25.9% | 29.9% |
|
Lloyds Bank
|
0% Balance Transfer Mastercard |
|
6 months | 24.9% | 29.9% |
|
Marks & Spencer
|
Transfer Plus |
|
3 months | 24.9% | 29.9% |
|
Marks & Spencer
|
Transfer Plus with M&S Club Rewards |
|
3 months | 24.9% | 29.9% |
|
Nationwide
|
Member Credit Card with Balance Transfer offer |
|
3 months | 24.9% | 24.9% |
|
NatWest
|
Balance Transfer Credit Card |
|
3 months | 24.9% | 29.9% |
|
NatWest
|
Longer Balance Transfer Credit Card |
|
3 months | 24.9% | 29.9% |
|
Post Office
|
Classic |
|
6 months | 34.9% | 34.9% |
|
Royal Bank of Scotland
|
Balance Transfer Credit Card |
|
3 months | 24.9% | 29.9% |
|
Royal Bank of Scotland
|
Longer Balance Transfer Credit Card |
|
3 months | 24.9% | 29.9% |
|
Santander
|
Everyday Long Term Balance Transfer Credit Card |
|
3 months | 24.9% | 24.9% |
|
Santander
|
Everyday No Balance Transfer Fee Credit Card |
|
3 months | 24.9% | 24.9% |
|
TSB
|
Advance Mastercard |
|
3 months | 12.9% | 19.9% |
|
TSB
|
Platinum Balance Transfer Card |
|
3 months | 24.9% | 30.9% |
|
Ulster Bank
|
Balance Transfer Credit Card |
|
3 months | 24.9% | 29.9% |
|
Ulster Bank
|
Longer Balance Transfer Credit Card |
|
3 months | 24.9% | 29.9% |
ASOS
|
Classic Card |
|
3 months | 34.9% | 34.9% |
|
Barclaycard
|
Forward credit card |
|
6 months | 33.9% | 33.9% |
|
Barclaycard
|
Up to 22 month balance transfer and up to 19 month purchase Platinum Card |
|
19, 13 or 10 months | 24.9% | 31.9% |
Luma
|
Credit Card |
|
3 months | 35.9% | 35.9% |
|
Tesco Bank
|
Clubcard Plus Credit Card |
|
24, 20, or 16 months | 37.7% | 45.4% |
|
Virgin Money
|
Longer Balance Transfer Credit Card |
|
3 months | 27.9% | 29.9% |
|
Virgin Money
|
Low-Fee Balance Transfer Credit Card |
|
3 months | 27.9% | 27.9% |
|
Virgin Money
|
Standard Balance Transfer Credit Card |
|
3 months | 27.9% | 29.9% |
|
Virgin Money
|
Super Long Balance Transfer Credit Card |
|
3 months | 27.9% | 29.9% |
|
Virgin Money
|
Zero-Fee Balance Transfer Credit Card |
|
3 months | 27.9% | 27.9% |
|
Barclaycard
|
Up to 12 month balance transfer Platinum card |
|
3 months | 24.9% | 31.9% |
|
Barclaycard
|
Up to 35 month balance transfer Platinum card |
|
3 months | 24.9% | 31.9% |
|
Capital One
|
0% Balance Transfers |
|
0 to 3 months | 34.9% | 34.9% |
|
Ocean Finance
|
Credit Card |
|
6 months | 39.9% | 39.9% |
|
Santander
|
World Elite |
|
18 months | 49.8% | 49.8% |
|
Vanquis Bank
|
Balance Transfer Credit Card |
|
3 months | 40.9% | 45.9% |
|
Vanquis Bank
|
Purchase Credit Card |
|
9 months | 39.5% | 44.5% |
|
Brand
|
Product name
|
Star rating
|
Reward extras
|
Representative APR
|
|---|---|---|---|---|
|
Lloyds Bank
|
World Elite Credit Card |
|
Priority Pass, access to 1300 airport lounge. Airport security fast track and access to Priceless discounts and experiences. Priority Pass, access to 1300 airport lounge. Airport security fast track and access to Priceless discounts and experien... | 55% |
|
Marks & Spencer
|
Rewards Credit Card with M&S Club Rewards |
|
Unlimited free next day delivery on marksandspencer.com, £120 of vouchers per year to spend in Marks & Spencer clothing or home departments, 32 hot drink vouchers for Marks & Spencer Cafes. Unlimited free next day delivery on marksandspencer.com, £120 of vouchers per year to spend in Marks & Spencer clothing ... | 23.9% |
|
Santander
|
World Elite |
|
Access to airport lounges, access to Mastercard’s Concierge Lifestyle Managers, access to Mastercard Priceless Cities experiences, Boingo Wi-Fi access for up to 4 devices, 40% off Santander travel insurance. Access to airport lounges, access to Mastercard’s Concierge Lifestyle Managers, access to Mastercard Priceless Cities ex... | 49.8% |
Yonder
|
The Full Credit Card |
|
Worldwide family coverage provided with AXA for the Cardholder, Partner and Children under the age of 25 with no excess. Plus 10,000 introductory points. Worldwide family coverage provided with AXA for the Cardholder, Partner and Children under the age of 25 with no excess.... | 73.1% |
|
Amazon
|
The Amazon Barclaycard |
|
N/A | 28.9% |
American Express
|
Marriott Bonvoy Card |
|
Travel accident insurance (up to £150,000 on public transport), Travel inconvenience insurance (£150 for flight delay, overbooking or missed connection, Extra £150 for extended delay, £600 for baggage delay of 6 hours, £850 for extended baggage delay by airline), Global Assist, American Express Offers, American Express invites, receive one free night at a Marriott Bonvoy participating hotel if you spend £25,000 in a year. Travel accident insurance (up to £150,000 on public transport), Travel inconvenience insurance (£150 for flight delay, o... | 52.5% |
|
American Express
|
Nectar |
|
American Express Invites, Global Assist | 35.8% |
|
American Express
|
Platinum Card |
|
Platinum concierge service, global dining collection, American Express offers, airport lounge access, worldwide travel insurance, hotel benefits, lodging benefits, car rental benefits, private taxi hire, global assist 24/7, airfare benefits, access to American Express Experiences, up to £100 Harvey Nichols credit each year, £150 statement credits to spend with participating restaurants each year. £250 Amex travel credit. Platinum concierge service, global dining collection, American Express offers, airport lounge access, worldwide travel i... | 685.3% |
|
American Express
|
Platinum Cashback |
|
Travel accident insurance (up to £150,000 on public transport), Global Assist, American Express Offers, American Express Invites, access to American Express Experiences Travel accident insurance (up to £150,000 on public transport), Global Assist, American Express Offers, American Express... | 34.6% |
|
American Express
|
Platinum Cashback Everyday |
|
Travel accident insurance (up to £150,000 on public transport), Global Assist, American Express Offers, American Express Invites Travel accident insurance (up to £150,000 on public transport), Global Assist, American Express Offers, American Express... | 29.1% |
|
American Express
|
Preferred Rewards Gold |
|
Airport lounge access (up to 4 passes), Travel accident insurance (up to £250,000 on public transport), Travel inconvenience insurance (£200 for flight delay, overbooking or missed connection, £200 for baggage delay of 4 hours, £200 for extended baggage delay by airline), American Express Offers, American Express Invites, access to American Express Experiences, £5 discount on eligible Deliveroo purchases twice/month Airport lounge access (up to 4 passes), Travel accident insurance (up to £250,000 on public transport), Travel inconveni... | 85.8% |
|
American Express
|
Rewards Credit Card |
|
Travel accident insurance (up to £150,000 on public transport), Global Assist, American Express Offers, American Express Invites Travel accident insurance (up to £150,000 on public transport), Global Assist, American Express Offers, American Express... | 29.1% |
|
American Express
|
Vitality Credit Card |
|
Travel accident insurance (up to £150,000 on public transport), between 0-2% extra cashback depending on you activity as monitored by Vitality (£4.75 per month fee for access to Vitality Programme, Global Assist, American Express Offers, American Express invites). Travel accident insurance (up to £150,000 on public transport), between 0-2% extra cashback depending on you activity as... | 42.2% |
British Airways
|
American Express |
|
Companion voucher (economy only) for 2-for-1 travel or 50% discount on a flight (spend £15,000/year to qualify), Travel accident insurance (up to £75k on public transport), Global Assist, access to American Express Experiences Companion voucher (economy only) for 2-for-1 travel or 50% discount on a flight (spend £15,000/year to qualify), Travel ... | 29.1% |
|
Marks & Spencer
|
Purchase Plus with M&S Club Rewards |
|
Unlimited free next day delivery on marksandspencer.com, £120 of vouchers per year to spend in Marks & Spencer clothing or home departments, 32 hot drink vouchers for Marks & Spencer Cafes. Unlimited free next day delivery on marksandspencer.com, £120 of vouchers per year to spend in Marks & Spencer clothing ... | 24.9% |
|
Marks & Spencer
|
Transfer Plus with M&S Club Rewards |
|
Unlimited free next day delivery on marksandspencer.com, £120 of vouchers per year to spend in Marks & Spencer clothing or home departments, 32 hot drink vouchers for Marks & Spencer Cafes. Unlimited free next day delivery on marksandspencer.com, £120 of vouchers per year to spend in Marks & Spencer clothing ... | 24.9% |
|
Santander
|
Rewards Credit Card |
|
£40 Uber Voucher for opening the account | 24.9% |
|
Tesco Bank
|
Clubcard Plus Credit Card |
|
10% off 2 shops of your choice per-month. | 37.7% |
|
Virgin Atlantic
|
Atlantic Reward+ |
|
Either a flight upgrade or a companion ticket if £10,000 is spent in a year; up to 15% cashback at selected retailers. | 69.7% |
|
Barclaycard
|
Barclaycard Rewards |
|
Savings on live events with Barclaycard Entertainment; up to 15% cashback with participating retailers | 28.9% |
|
British Airways
|
American Express Premium Plus |
|
Companion voucher for 2-for-1 travel or 50% discount on a flight (spend £15,000/year to qualify), Travel accident insurance (up to £250,000 on public transport), Travel inconvenience insurance (£200 for flight delay, overbooking or missed connection; £750 for baggage delay of 6 hours; £1,000 for extended baggage delay by airline), Global Assist, access to American Express Experiences Companion voucher for 2-for-1 travel or 50% discount on a flight (spend £15,000/year to qualify), Travel accident insura... | 135.7% |
|
HSBC
|
Premier World Elite |
|
Airport lounge access (LoungeKey programme), Free Wi-Fi (with iPass), 24/7 worldwide assistance, HSBC Premier Privileges (discounts and experiences) Airport lounge access (LoungeKey programme), Free Wi-Fi (with iPass), 24/7 worldwide assistance, HSBC Premier Privileges... | 100.2% |
|
Royal Bank of Scotland
|
Reward |
|
N/A | 31% |
|
Virgin Atlantic
|
Atlantic Reward |
|
Either a flight upgrade or a companion ticket if £20,000 is spent in a year; up to 15% cashback at selected retailers. | 26.9% |
|
Barclaycard
|
Avios Plus |
|
Savings on live events with Barclaycard Entertainment; cashback with participating retailers, spend £10,000 in 12 months and get British Airways cabin upgrade voucher. Airport lounge membership in partnership with Assurant and Dragonpass, or 7000 Avios points. Savings on live events with Barclaycard Entertainment; cashback with participating retailers, spend £10,000 in 12 months... | 80.1% |
|
Chase
|
Credit Card |
|
N/A | 24.9% |
|
Co-operative Bank
|
The Co-operative Members' Credit Card |
|
N/A | 18.2% |
|
NatWest
|
Reward |
|
N/A | 31% |
|
Asda Money
|
Balance Transfer Credit Card |
|
N/A | 29.9% |
|
Asda Money
|
Credit Card |
|
N/A | 29.9% |
|
Asda Money
|
Select Credit Card |
|
N/A | 39.8% |
|
Bank of Scotland
|
Advance Credit Card |
|
Earn a £20 reward when you make your payments on time in the first 6 months of account opening. | 29.9% |
|
Barclaycard
|
Avios |
|
N/A | 29.9% |
Debenhams
|
Debenhams Mastercard |
|
£20 Debenhams Gift Card, when you spend £50 in the first 120 days. | 34.9% |
|
HSBC
|
Premier |
|
Extended warranty cover (2 years on selected household appliances), Airport lounge access for £20 (LoungeKey programme), 24/7 worldwide assistance, discounts and experiences available through HSBC Premier Privileges Extended warranty cover (2 years on selected household appliances), Airport lounge access for £20 (LoungeKey programme),... | 29.9% |
|
HSBC
|
Rewards |
|
2,500 points when you spend £10k in a year | 26.9% |
John Lewis
|
Partnership |
|
£50 in John Lewis and Waitrose when you first open a card and spend £250 in store in the first 45 days. | 29.9% |
|
Lloyds Bank
|
Advance Credit Card |
|
Earn a £20 reward when you make your payments on time in the first 6 months of account opening. | 29.9% |
|
Lloyds Bank
|
Ultra Credit Card |
|
N/A | 18.9% |
|
Marks & Spencer
|
Purchase Plus |
|
N/A | 24.9% |
|
Marks & Spencer
|
Rewards Credit Card |
|
N/A | 23.9% |
|
Marks & Spencer
|
Transfer Plus |
|
N/A | 24.9% |
|
NatWest
|
Reward Black |
|
N/A | 40.7% |
|
NatWest
|
Travel Reward Card |
|
N/A | 27.9% |
|
Royal Bank of Scotland
|
Reward Black |
|
N/A | 40.7% |
|
Santander
|
All In One Credit Card |
|
N/A | 29.8% |
|
Tesco Bank
|
All Rounder Credit Card |
|
N/A | 24.9% |
|
Tesco Bank
|
Balance Transfer and Purchases Credit Card |
|
N/A | 24.9% |
|
Tesco Bank
|
Balance Transfer Credit Card |
|
N/A | 24.9% |
|
Tesco Bank
|
Foundation |
|
N/A | 29.9% |
|
Tesco Bank
|
Low APR |
|
N/A | 12.9% |
|
Tesco Bank
|
Low Fee Balance Transfer Card |
|
N/A | 24.9% |
|
Yonder
|
The Free Credit Card |
|
£10 off your first buy | 31.6% |
|
Brand
|
Product name
|
Star rating
|
Representative APR
|
Representative cash transaction interest rate
|
Representative purchase rate
|
|---|---|---|---|---|---|
|
Capital One
|
Classic Card Credit Builder |
|
34.9% | 2.53% | 2.53% |
|
Post Office
|
Classic |
|
34.9% | 1.87% | 1.87% |
|
Lloyds Bank
|
Advance Credit Card |
|
29.9% | 2.2065% | 2.2065% |
|
Luma
|
Credit Card |
|
35.9% | 2.59% | 2.59% |
|
NatWest
|
Credit Builder Credit Card |
|
34.9% | 2.526% | 2.526% |
|
Royal Bank of Scotland
|
Credit Builder Credit Card |
|
34.9% | 2.526% | 2.526% |
|
Ulster Bank
|
Credit Builder Credit Card |
|
34.9% | 2.526% | 2.526% |
Very.co.uk
|
Credit Card |
|
39.9% | 2.53% | 2.53% |
Zable
|
Credit Card |
|
29.9% | 2.469% | 2.469% |
Zopa
|
Credit Card |
|
37.9% | 2.714% | 2.714% |
|
Bank of Scotland
|
Advance Credit Card |
|
29.9% | 2.2065% | 2.2065% |
|
Barclaycard
|
Forward credit card |
|
33.9% | 2.4616% | 2.4616% |
Bip
|
Bip |
|
34.9% | 2.529% | 2.529% |
|
HSBC
|
Classic |
|
29.9% | 2.592% | 2.207% |
Littlewoods
|
Credit Card |
|
39.9% | 2.84% | 2.84% |
|
Ocean Finance
|
Credit Card |
|
39.9% | 2.84% | 2.84% |
|
Ocean Finance
|
Credit Card with Purchase and Balance Transfer Offer |
|
39.9% | 2.84% | 2.84% |
Onmo
|
Credit Card |
|
39.9% | 2.84% | 2.84% |
|
Tesco Bank
|
Foundation |
|
29.9% | 2.84% | 2.207% |
thinkmoney
|
Credit Card |
|
39.9% | 2.84% | 2.84% |
Jaja
|
Vanta Credit Card |
|
34.9% | 2.841% | 2.529% |
thimbl
|
Credit Card |
|
48.9% | 2.84% | 2.84% |
118 118 Money
|
Guaranteed Rate Card Mastercard |
|
49% | 3.3674% | 3.3674% |
Aqua
|
Classic |
|
39.9% | 3.433% | 2.884% |
|
Asda Money
|
Select Credit Card |
|
39.8% | 3.136% | 2.834% |
|
Fluid
|
Credit Card |
|
34.9% | 3.141% | 2.529% |
Marbles
|
Credit Card |
|
34.9% | 2.516% | 1.859% |
|
Vanquis Bank
|
Balance Transfer Credit Card |
|
40.9% | 4.04% | 2.9% |
|
Vanquis Bank
|
Credit Builder Credit Card |
|
37.9% | 3.88% | 2.71% |
|
Brand
|
Product name
|
Star rating
|
Representative APR
|
Foreign purchase fee
|
Foreign withdrawal fee
|
|---|---|---|---|---|---|
|
Chase
|
Credit Card |
|
24.9% | 0% | 0% |
|
Lloyds Bank
|
Ultra Credit Card |
|
18.9% | 0% | 0% |
|
Barclaycard
|
Barclaycard Rewards |
|
28.9% | 0% | 0% |
|
Lloyds Bank
|
Advance Credit Card |
|
29.9% | 0% | 0% |
|
Lloyds Bank
|
World Elite Credit Card |
|
55% | 0% | 0% |
|
Nationwide
|
Member Credit Card with All Rounder Offer |
|
24.9% | 0% | 2.5% |
|
Nationwide
|
Member Credit Card with Balance Transfer offer |
|
24.9% | 0% | 2.5% |
|
NatWest
|
Reward Black |
|
40.7% | 0% | 3% |
|
NatWest
|
The NatWest Credit Card |
|
12.9% | 0% | 3% |
|
NatWest
|
Travel Reward Card |
|
27.9% | 0% | 3% |
|
Royal Bank of Scotland
|
Reward Black |
|
40.7% | 0% | 3% |
|
Royal Bank of Scotland
|
Royal Bank Credit Card |
|
12.9% | 0% | 3% |
|
Santander
|
All In One Credit Card |
|
29.8% | 0% | 3% |
|
Santander
|
Rewards Credit Card |
|
24.9% | 0% | 3% |
|
Santander
|
World Elite |
|
49.8% | 0% | 3% |
|
Ulster Bank
|
Credit Card |
|
12.9% | 0% | 3% |
|
Virgin Money
|
All Round Card (Inside Europe) |
|
27.9% | 0% | 0% |
|
Virgin Money
|
Everyday Cashback Credit Card (Inside Europe) |
|
24.9% | 0% | 0% |
|
Virgin Money
|
Longer Balance Transfer Credit Card (Inside Europe) |
|
27.9% | 0% | 0% |
|
Virgin Money
|
Low-Fee Balance Transfer Credit Card (Inside Europe) |
|
27.9% | 0% | 0% |
|
Virgin Money
|
Standard Balance Transfer Credit Card (Inside Europe) |
|
27.9% | 0% | 0% |
|
Virgin Money
|
Super Long Balance Transfer Credit Card (Inside Europe) |
|
27.9% | 0% | 0% |
|
Virgin Money
|
Travel Card |
|
27.9% | 0% | 3% |
|
Virgin Money
|
Zero-Fee Balance Transfer Credit Card (Inside Europe) |
|
27.9% | 0% | 0% |
|
Yonder
|
The Free Credit Card |
|
31.6% | 0% | 0% |
|
Yonder
|
The Full Credit Card |
|
73.1% | 0% | 0% |
|
Bank of Scotland
|
Advance Credit Card |
|
29.9% | 0% | 5% |
|
Bip
|
Bip |
|
34.9% | 0% | 0% |
|
MBNA
|
Credit Card |
|
14.9% | 0% | 5% |
|
Tesco Bank
|
Clubcard Plus Credit Card |
|
37.7% | 0% | 3.99% |
|
thimbl
|
Credit Card |
|
48.9% | 0% | 3% |
|
Zopa
|
Credit Card |
|
37.9% | 0% | 0% |
|
Danske Bank
|
Mastercard Standard |
|
22.9% | 2.75% | 2.75% |
|
Danske Bank
|
Mastercard Standard with purchase and BT special rate |
|
22.9% | 2.75% | 2.75% |
|
Zable
|
Credit Card |
|
29.9% | 0% | 3% |
|
118 118 Money
|
Guaranteed Rate Card Mastercard |
|
49% | 0% | 5% |
AIB
|
Options One Card |
|
18.9% | 2.75% | 4.25% |
|
AIB
|
Options Two Card |
|
16.9% | 2.75% | 4.25% |
|
AIB
|
Student |
|
12.9% | 2.75% | 4.25% |
|
AIB
|
Visa Gold Card |
|
0% | 2.75% | 4.25% |
|
Amazon
|
The Amazon Barclaycard |
|
28.9% | 2.99% | 2.99% |
|
American Express
|
Marriott Bonvoy Card |
|
52.5% | 2.99% | 3% |
|
American Express
|
Nectar |
|
35.8% | 2.99% | 3% |
|
American Express
|
Platinum Card |
|
685.3% | 2.99% | 3% |
|
American Express
|
Platinum Cashback |
|
34.6% | 2.99% | 3% |
|
American Express
|
Platinum Cashback Everyday |
|
29.1% | 2.99% | 3% |
|
American Express
|
Preferred Rewards Gold |
|
85.8% | 2.99% | 3% |
|
American Express
|
Rewards Credit Card |
|
29.1% | 2.99% | 3% |
|
American Express
|
Vitality Credit Card |
|
42.2% | 2.99% | 3% |
|
Aqua
|
Classic |
|
39.9% | 2.95% | 5% |
|
Asda Money
|
Balance Transfer Credit Card |
|
29.9% | 2.99% | 5% |
|
Asda Money
|
Credit Card |
|
29.9% | 2.99% | 5% |
|
Asda Money
|
Select Credit Card |
|
39.8% | 2.99% | 5% |
|
Bank of Scotland
|
0% Purchase and Balance Transfer |
|
24.9% | 2.95% | 5% |
|
Bank of Scotland
|
Bank of Scotland Credit Card |
|
12.9% | 2.95% | 5% |
|
Bank of Scotland
|
Longest 0% Balance Transfer |
|
24.9% | 2.95% | 5% |
|
Barclaycard
|
Avios |
|
29.9% | 2.99% | 2.99% |
|
Barclaycard
|
Avios Plus |
|
80.1% | 2.99% | 2.99% |
|
Barclaycard
|
Forward credit card |
|
33.9% | 2.99% | 2.99% |
|
Barclaycard
|
Up to 12 month balance transfer Platinum card |
|
24.9% | 2.99% | 2.99% |
|
Barclaycard
|
Up to 19 month balance transfer and up to 22 month purchase Platinum Card |
|
24.9% | 2.99% | 2.99% |
|
Barclaycard
|
Up to 22 month balance transfer and up to 19 month purchase Platinum Card |
|
24.9% | 2.99% | 2.99% |
|
Barclaycard
|
Up to 35 month balance transfer Platinum card |
|
24.9% | 2.99% | 2.99% |
|
British Airways
|
American Express |
|
29.1% | 2.99% | 3% |
|
British Airways
|
American Express Premium Plus |
|
135.7% | 2.99% | 3% |
|
Capital One
|
0% Balance Transfers |
|
34.9% | 2.75% | 3% |
|
Capital One
|
Classic Card Credit Builder |
|
34.9% | 2.75% | 3% |
|
Co-operative Bank
|
3 Year Fixed Rate Credit Card |
|
8.9% | 2.75% | 3% |
|
Co-operative Bank
|
Balance Transfer Credit Card |
|
20.6% | 2.75% | 3% |
|
Co-operative Bank
|
The Co-operative Members' Credit Card |
|
18.2% | 2.75% | 3% |
|
First Direct
|
Balance Transfer Credit Card |
|
24.9% | 2.99% | 2.99% |
|
First Direct
|
Gold Purchases |
|
24.9% | 2.99% | 2.99% |
|
Fluid
|
Credit Card |
|
34.9% | 2.95% | 5% |
|
HSBC
|
Balance Transfer Credit Card |
|
25.9% | 2.99% | 2.99% |
|
HSBC
|
Classic |
|
29.9% | 2.99% | 2.99% |
|
HSBC
|
Premier |
|
29.9% | 2.99% | 2.99% |
|
HSBC
|
Premier World Elite |
|
100.2% | 2.99% | 2.99% |
|
HSBC
|
Purchase Plus |
|
25.9% | 2.99% | 2.99% |
|
HSBC
|
Rewards |
|
26.9% | 2.99% | 2.99% |
|
HSBC
|
Student |
|
18.9% | 2.99% | 2.99% |
|
Jaja
|
Vanta Credit Card |
|
34.9% | 2.99% | 5% |
|
John Lewis
|
Partnership |
|
29.9% | 2.95% | 5% |
|
Littlewoods
|
Credit Card |
|
39.9% | 2.75% | 3% |
|
Lloyds Bank
|
0% Balance Transfer Mastercard |
|
24.9% | 2.95% | 5% |
|
Lloyds Bank
|
0% Purchase and Balance Transfer |
|
24.9% | 2.95% | 5% |
|
Lloyds Bank
|
Lloyds Credit Card |
|
10.9% | 2.95% | 5% |
|
Luma
|
Credit Card |
|
35.9% | 2.75% | 3% |
|
Marbles
|
Credit Card |
|
34.9% | 2.95% | 5% |
|
Marks & Spencer
|
Purchase Plus |
|
24.9% | 2.99% | 2.99% |
|
Marks & Spencer
|
Rewards Credit Card |
|
23.9% | 2.99% | 2.99% |
|
Marks & Spencer
|
Rewards Credit Card with M&S Club Rewards |
|
23.9% | 2.99% | 2.99% |
|
Marks & Spencer
|
Transfer Plus |
|
24.9% | 2.99% | 2.99% |
|
MBNA
|
0% Transfers and Purchases |
|
24.9% | 2.95% | 5% |
|
MBNA
|
Long 0% Balance Transfer |
|
24.9% | 2.95% | 5% |
|
NatWest
|
Balance Transfer Credit Card |
|
24.9% | 2.75% | 3% |
|
NatWest
|
Credit Builder Credit Card |
|
34.9% | 2.75% | 3% |
|
NatWest
|
Longer Balance Transfer Credit Card |
|
24.9% | 2.75% | 3% |
|
NatWest
|
Purchase and Balance Transfer Credit Card |
|
24.9% | 2.75% | 3% |
|
NatWest
|
Reward |
|
31% | 2.75% | 3% |
|
Ocean Finance
|
Credit Card |
|
39.9% | 2.75% | 3% |
|
Ocean Finance
|
Credit Card with Purchase and Balance Transfer Offer |
|
39.9% | 2.75% | 3% |
|
Onmo
|
Credit Card |
|
39.9% | 2.99% | 5% |
|
Post Office
|
Classic |
|
34.9% | 2.75% | 3% |
|
Royal Bank of Scotland
|
Balance Transfer Credit Card |
|
24.9% | 2.75% | 3% |
|
Royal Bank of Scotland
|
Credit Builder Credit Card |
|
34.9% | 2.75% | 3% |
|
Royal Bank of Scotland
|
Longer Balance Transfer Credit Card |
|
24.9% | 2.75% | 3% |
|
Royal Bank of Scotland
|
Purchase and Balance Transfer Credit Card |
|
24.9% | 2.75% | 3% |
|
Royal Bank of Scotland
|
Reward |
|
31% | 2.75% | 3% |
|
Santander
|
Everyday Long Term Balance Transfer Credit Card |
|
24.9% | 2.95% | 3% |
|
Santander
|
Everyday No Balance Transfer Fee Credit Card |
|
24.9% | 2.95% | 3% |
|
Tesco Bank
|
All Rounder Credit Card |
|
24.9% | 2.75% | 3.99% |
|
Tesco Bank
|
Balance Transfer and Purchases Credit Card |
|
24.9% | 2.75% | 3.99% |
|
Tesco Bank
|
Balance Transfer Credit Card |
|
24.9% | 2.75% | 3.99% |
|
Tesco Bank
|
Foundation |
|
29.9% | 2.75% | 3.99% |
|
Tesco Bank
|
Low APR |
|
12.9% | 2.75% | 3.99% |
|
Tesco Bank
|
Low Fee Balance Transfer Card |
|
24.9% | 2.75% | 3.99% |
|
thinkmoney
|
Credit Card |
|
39.9% | 2.75% | 3% |
|
TSB
|
Advance Mastercard |
|
12.9% | 2.95% | 3% |
|
TSB
|
Platinum Balance Transfer Card |
|
24.9% | 2.95% | 3% |
|
TSB
|
Platinum Purchase Card |
|
24.9% | 2.95% | 3% |
|
Ulster Bank
|
Balance Transfer Credit Card |
|
24.9% | 2.75% | 3% |
|
Ulster Bank
|
Credit Builder Credit Card |
|
34.9% | 2.75% | 3% |
|
Ulster Bank
|
Longer Balance Transfer Credit Card |
|
24.9% | 2.75% | 3% |
|
Ulster Bank
|
Purchase and Balance Transfer Credit Card |
|
24.9% | 2.75% | 3% |
|
Vanquis Bank
|
Balance Transfer Credit Card |
|
40.9% | 2.99% | 7.99% |
|
Vanquis Bank
|
Credit Builder Credit Card |
|
37.9% | 2.99% | 7.99% |
|
Vanquis Bank
|
Purchase Credit Card |
|
39.5% | 2.99% | 7.99% |
|
Very.co.uk
|
Credit Card |
|
39.9% | 2.75% | 3% |
|
Virgin Atlantic
|
Atlantic Reward |
|
26.9% | 2.99% | 5% |
|
Virgin Atlantic
|
Atlantic Reward+ |
|
69.7% | 2.99% | 5% |
|
Virgin Money
|
All Round Card |
|
27.9% | 2.99% | 5% |
|
Virgin Money
|
Longer Balance Transfer Credit Card |
|
27.9% | 2.99% | 5% |
|
Virgin Money
|
Low-Fee Balance Transfer Credit Card |
|
27.9% | 2.99% | 5% |
|
Virgin Money
|
Standard Balance Transfer Credit Card |
|
27.9% | 2.99% | 5% |
|
Virgin Money
|
Super Long Balance Transfer Credit Card |
|
27.9% | 2.99% | 5% |
|
Virgin Money
|
Zero-Fee Balance Transfer Credit Card |
|
27.9% | 2.99% | 5% |
|
Brand
|
Product name
|
Star rating
|
Representative APR
|
Highest APR
|
Representative purchase rate
|
|---|---|---|---|---|---|
|
Co-operative Bank
|
3 Year Fixed Rate Credit Card |
|
8.9% | 18.2% | 0.71% |
|
NatWest
|
The NatWest Credit Card |
|
12.9% | 18.9% | 1.016% |
|
Royal Bank of Scotland
|
Royal Bank Credit Card |
|
12.9% | 18.9% | 1.016% |
|
Ulster Bank
|
Credit Card |
|
12.9% | 18.9% | 1.016% |
|
Lloyds Bank
|
Lloyds Credit Card |
|
10.9% | 17.9% | 0.869% |
|
Tesco Bank
|
Low APR |
|
12.9% | 18.9% | 1.019% |
|
Bank of Scotland
|
Bank of Scotland Credit Card |
|
12.9% | 17.9% | 1.019% |
|
Lloyds Bank
|
Ultra Credit Card |
|
18.9% | 0.209% | 1.575% |
|
MBNA
|
Credit Card |
|
14.9% | 14.9% | 1.167% |
|
TSB
|
Advance Mastercard |
|
12.9% | 19.9% | 1.02% |
|
Brand
|
Product name
|
Star rating
|
Money transfer rate during promotional period
|
Duration of money transfer offer period
|
Money transfer fee during promotional period
|
Representative APR
|
|---|---|---|---|---|---|---|
|
Virgin Money
|
Low-Fee Balance Transfer Credit Card |
|
0% | 12 months | 4% | 27.9% |
|
NatWest
|
Balance Transfer Credit Card |
|
0% | N/A | N/A | 24.9% |
|
Tesco Bank
|
All Rounder Credit Card |
|
0% | 15 months | 3.99% | 24.9% |
|
Tesco Bank
|
Balance Transfer Credit Card |
|
0% | 9 months | 3.99% | 24.9% |
|
Tesco Bank
|
Low Fee Balance Transfer Card |
|
0% | 9 months | 3.99% | 24.9% |
|
Virgin Atlantic
|
Atlantic Reward |
|
0% | 6 months | 3% | 26.9% |
|
Virgin Money
|
Travel Card |
|
0% | 9 months | 4% | 27.9% |
|
Virgin Money
|
Zero-Fee Balance Transfer Credit Card |
|
0% | 9 months | 4% | 27.9% |
|
MBNA
|
0% Transfers and Purchases |
|
0% | 9 or 3 months | 5% | 24.9% |
|
MBNA
|
Long 0% Balance Transfer |
|
0% | 9 or 3 months | 4% | 24.9% |
|
Virgin Money
|
All Round Card |
|
0% | 0 or 12 months | 4% | 27.9% |
|
Virgin Money
|
Longer Balance Transfer Credit Card |
|
0% | 0-12 | 4% | 27.9% |
|
Virgin Money
|
Standard Balance Transfer Credit Card |
|
0% | 0-12 | 4% | 27.9% |
|
Virgin Money
|
Super Long Balance Transfer Credit Card |
|
0% | 0-12 | 4% | 27.9% |
|
NatWest
|
Longer Balance Transfer Credit Card |
|
N/A | N/A | N/A | 24.9% |
|
NatWest
|
Purchase and Balance Transfer Credit Card |
|
N/A | N/A | N/A | 24.9% |
|
NatWest
|
Reward |
|
N/A | N/A | N/A | 31% |
|
NatWest
|
The NatWest Credit Card |
|
N/A | N/A | N/A | 12.9% |
|
NatWest
|
Travel Reward Card |
|
N/A | N/A | N/A | 27.9% |
|
Ocean Finance
|
Credit Card |
|
0% | 6 months | 2.9% | 39.9% |
|
Ocean Finance
|
Credit Card with Purchase and Balance Transfer Offer |
|
0% | 6 months | 2.9% | 39.9% |
|
Royal Bank of Scotland
|
Balance Transfer Credit Card |
|
N/A | N/A | N/A | 24.9% |
|
Royal Bank of Scotland
|
Longer Balance Transfer Credit Card |
|
N/A | N/A | N/A | 24.9% |
|
Royal Bank of Scotland
|
Purchase and Balance Transfer Credit Card |
|
N/A | N/A | N/A | 24.9% |
|
Royal Bank of Scotland
|
Reward |
|
N/A | N/A | N/A | 31% |
|
Royal Bank of Scotland
|
Royal Bank Credit Card |
|
N/A | N/A | N/A | 12.9% |
|
Ulster Bank
|
Balance Transfer Credit Card |
|
N/A | N/A | N/A | 24.9% |
|
Ulster Bank
|
Credit Card |
|
N/A | N/A | N/A | 12.9% |
|
Ulster Bank
|
Longer Balance Transfer Credit Card |
|
N/A | N/A | N/A | 24.9% |
|
Ulster Bank
|
Purchase and Balance Transfer Credit Card |
|
N/A | N/A | N/A | 24.9% |
|
Virgin Atlantic
|
Atlantic Reward+ |
|
0% | 6 months | 3% | 69.7% |
|
Aqua
|
Classic |
|
N/A | N/A | N/A | 39.9% |
|
Bank of Scotland
|
0% Purchase and Balance Transfer |
|
N/A | N/A | N/A | 24.9% |
|
Bank of Scotland
|
Advance Credit Card |
|
N/A | N/A | N/A | 29.9% |
|
Bank of Scotland
|
Bank of Scotland Credit Card |
|
N/A | N/A | N/A | 12.9% |
|
Bank of Scotland
|
Longest 0% Balance Transfer |
|
N/A | N/A | N/A | 24.9% |
|
Bip
|
Bip |
|
N/A | N/A | N/A | 34.9% |
|
Capital One
|
0% Balance Transfers |
|
N/A | N/A | N/A | 34.9% |
|
Capital One
|
Classic Card Credit Builder |
|
N/A | N/A | N/A | 34.9% |
|
Littlewoods
|
Credit Card |
|
N/A | N/A | N/A | 39.9% |
|
Lloyds Bank
|
0% Purchase and Balance Transfer |
|
N/A | N/A | N/A | 24.9% |
|
Lloyds Bank
|
Advance Credit Card |
|
N/A | N/A | N/A | 29.9% |
|
Lloyds Bank
|
Lloyds Credit Card |
|
N/A | N/A | N/A | 10.9% |
|
Lloyds Bank
|
Ultra Credit Card |
|
N/A | N/A | N/A | 18.9% |
|
Lloyds Bank
|
World Elite Credit Card |
|
N/A | N/A | N/A | 55% |
|
Luma
|
Credit Card |
|
N/A | N/A | N/A | 35.9% |
|
Marbles
|
Credit Card |
|
N/A | N/A | N/A | 34.9% |
|
NatWest
|
Reward Black |
|
N/A | N/A | N/A | 40.7% |
|
Royal Bank of Scotland
|
Reward Black |
|
N/A | N/A | N/A | 40.7% |
|
thinkmoney
|
Credit Card |
|
N/A | N/A | N/A | 39.9% |
|
Vanquis Bank
|
Balance Transfer Credit Card |
|
N/A | N/A | N/A | 40.9% |
|
Vanquis Bank
|
Credit Builder Credit Card |
|
N/A | N/A | N/A | 37.9% |
|
Very.co.uk
|
Credit Card |
|
N/A | N/A | N/A | 39.9% |