Compare Credit Cards

Our credit card comparison tables can help you find the best credit card deals for your needs - compare credit cards with uSwitch today.

Whether you're looking for a cashback, reward, 0% on purchases or balance transfer credit card, finding the best credit card deals with uSwitch is simple.

You can also compare credit cards to use abroad, cards with low APRs, and the top credit card deals for people with a bad credit history.

Use our tabs to pick a type of card and scroll our comparison tables to see the best credit card deals.

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Barclaycard's Market Leading 0% interest card - Longest Ever

Barclaycard's Market Leading 0% interest card - Longest Ever click for details...

  • 0% interest on transfers for 27 months from account opening
  • 0% interest on purchases for 6 months from account opening
  • 3.5% balance transfer handling fee applies
18.9% APR

Representative Example: When you spend £1,200 at a rate of 18.90% (variable) per annum, your Representative APR is 18.9% APR (variable).

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Compare all credit cards:

Sort by: 		On balance transfers On purchases Representative APR (variable)  
1
Original Most popular!

Capital One Classic MasterCard

  • Great for people who want to build or rebuild their credit rating
  • Suitable for those with past CCJs or defaults
  • Credit limit from £200 to £1,500 with no annual fee
  • Unlikely to be accepted if you've never had credit in the UK

n/a

n/a

34.9% APR  

Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your Representative APR is 34.9% APR (variable).

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Top three for Best Cashback and Rewards.

M&S Credit Card

  • 0% on purchases for 15 months.
  • M&S rewards – earn M&S points every time you shop with your card.
  • 12 months on balance transfers made within 60 days of account opening (2.9% fee applies, minimum £5).

12months 0% interest on transfers (2.9% fee)

15months 0% interest on purchases  

16.9% APR  

Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).

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aqua Classic Credit Card

  • Credit builder card which claims to offer people credit when others won't.
  • Initial credit limit of £250 to £1,600 with possible increase after 4 months.
  • Aqua accept people who have had CCJs or are on a low income.
  • Free Aqua credit checker worth up to £80.
  • A 60 second response.

n/a

n/a

29.7% APR  

Representative example: When you spend £1,200 at a rate of 29.73% (variable) per annum, your Representative APR is 29.7% APR (variable).

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Barclaycard Platinum with 25 Months Balance Transfer

  • 0% on transfers for 25 months.
  • Transfer fee is reduced from 3.5% to 2.4%.
  • 0% interest on purchases for the first 6 months.

25months 0% interest on transfers (2.4% fee)

6months 0% interest on purchases  

18.9% APR  

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).

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RBS Platinum Credit Card MasterCard

  • An RBS credit card with a competitive 0% balance transfer period (2.65% fee, min £5).
  • 0% interest on purchases for 6 months.

26months 0% interest on transfers (2.65% fee)

6months 0% interest on purchases  

18.9% APR  

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your Representative APR is 18.9% APR (variable).

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NatWest Platinum with Balance Transfer

  • A NatWest credit card with a lengthy 2 years 0% balance transfer period (2.65% fee, min £5).
  • 0% interest on purchases for 6 months.
  • Save money with a range of retailers when you spend.

26months 0% interest on transfers (2.65% fee)

6months 0% interest on purchases  

18.9% APR  

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your Representative APR is 18.9% APR (variable).

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Barclaycard Initial

  • 0% on purchases for 3 months from opening your account
  • Start with a low, manageable credit limit that Barclaycard may later review and increase
  • You are unlikely to be accepted if you have missed payments or had a CCJ in the past 12 months

n/a

3months 0% interest on purchases  

29.9% APR  

Representative example: When you spend £1,200 at a rate of 29.9% (variable) per annum, your Representative APR is 29.9% APR (variable).

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Tesco Bank Clubcard Credit Card for Balance Transfer

  • 25 months 0% interest on balance transfers and 3 months 0% interest on purchases
  • Earn Clubcard points on all your spending - 1 point awarded per £4 spent

25months 0% interest on transfers (2.9% fee)

3months 0% interest on purchases  

16.9% APR  

Representative example: When you spend £1,200 at a rate of 16.945% (variable) per annum, your Representative APR is 16.9% APR (variable).

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Vanquis Bank Aquis Visa

  • The Vanquis Bank Aquis credit card comes with one of the lowest APRs in the credit builder market.
  • Your credit limit increases in stages up to a maximum of £3,000.

n/a

n/a

29.8% APR  

Representative example: When you spend £1,000 at a rate of 29.84% (variable) per annum, your Representative APR is 29.8% APR (variable).

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Halifax All in One Credit Card

  • Multi-purpose Halifax credit card offering 0% on purchases for up to 15 months.
  • 0% on balance transfers for up to 15 months.
  • Limited Offer. 3% balance transfer fee was reduced to 1% (via a 2% refund). Apply before 25 June.

15months 0% interest on transfers (1% fee)

15months 0% interest on purchases  

17.9% APR  

Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

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Virgin Money Credit Card MasterCard

  • 0% interest on balance transfers for 26 months and 0% interest on purchases for 6 months
  • Choose the colour of your credit card from red, silver, purple or black

26months 0% interest on transfers (2.99% fee)

6months 0% interest on purchases  

17.9% APR  

Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

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MBNA Everyday Credit Card Visa

  • 0% on balance transfers for 18 months from account opening (with a low 1.99% handling fee).
  • 0% on card purchases for 8 months.

18months 0% interest on transfers (1.99% fee)

8months 0% interest on purchases  

12.9% APR  

Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).

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Barclaycard Platinum with 27 Months Balance Transfer

  • 0% interest on balance transfers for 27 months from account opening (3.5% handling fee applies)
  • 0% interest on purchases for 6 months from account opening

27months 0% interest on transfers (3.5% fee)

6months 0% interest on purchases  

18.9% APR  

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).

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Halifax Balance Transfer Credit Card

  • Over 2 years 0% interest on balance transfers.
  • Transfers can be made from most credit and some store cards, excluding other Halifax or Bank of Scotland products.
  • 3% balance transfer fee reduced to 2.5% (via a 0.5% refund)
  • 0% on purchases for 3 months.

25months 0% interest on transfers (2.5% fee)

3months 0% interest on purchases  

18.9% APR  

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your Representative APR is 18.9% APR (variable).

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aqua Classic Credit Card

  • Initial credit limit of £250 to £1,600 and a possible increase after 4 months.
  • Aqua accept people who have had CCJs or are on a low income.
  • Free Aqua credit checker worth up to £80.
  • A 60 second response.

n/a

n/a

39.9% APR  

Representative example: When you spend £1,200 at a rate of 39.95% (variable) per annum, your Representative APR is 39.9% APR (variable).

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aqua Advance Credit Card

  • Offers the chance to cut your APR by 5% a year over 3 years - you could end up with a much reduced APR of 19.9%.
  • Maximum credit limit of £1,600 applies.
  • Aqua accept people who have had CCJs or are on a low income.
  • Free Aqua credit checker worth up to £80.
  • No foreign exchange fees.
  • A 60 second response.

n/a

n/a

34.9% APR  

Representative example: When you spend £1,200 at a rate of 34.92% (variable) per annum, your Representative APR is 34.9% APR (variable).

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Vanquis Bank Visa

  • Credit limit increases after the first 4 months and raises every 4 months thereafter.
  • Maximum credit limit of £3,000.

n/a

n/a

39.9% APR  

Representative example: When you spend £1,000 at a rate of 39.94% (variable) per annum, your Representative APR is 39.9% APR (variable).

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Nationwide Building Society Credit Card with Balance Transfer

  • 0% on balance transfers for 20 months.
  • 0% interest on purchases for the first 3 months.
  • A low rate of 15.9% APR Representative (variable).
  • Commission-free purchases abroad when you build up your allowance through spend in UK sterling.

20months 0% interest on transfers (3.1% fee)

3months 0% interest on purchases  

15.9% APR  

Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your Representative APR is 15.9% APR (variable).

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Tesco Bank Clubcard Credit Card for Purchases

  • 0% on purchases for 16 months and 1 point for every £4 spent in each purchase transaction (£4 min). Must have available credit.
  • 0% on balance transfers for 9 months.

9months 0% interest on transfers (2.9% fee)

16months 0% interest on purchases  

16.9% APR  

Representative example: When you spend £1,200 at a rate of 16.945% (variable) per annum, your Representative APR is 16.9% APR (variable).

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Santander Credit Card

  • A Santander credit card aimed at transferring balances from other cards.
  • 0% on transfers for 17 months.
  • 0% on purchases for the first 3 months.

17months 0% interest on transfers (3% fee)

3months 0% interest on purchases  

17.9% APR  

Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

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Nationwide Building Society Select Credit Card

  • Low APR of 12.9%.
  • Nationwide credit card perks include commission-free purchases abroad and 0.5% cashback on pound sterling purchases.
  • Only available to Nationwide FlexAccount customers.

20months 0% interest on transfers (3.1% fee)

12months 0% interest on purchases  

12.9% APR  

Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).

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Royal Bank of Scotland Platinum with Low Balance transfer fee

  • The lowest transfer fee in the market at just 1%.
  • 0% on balance transfers for 13 months and 0% on puchases for 6 months.

13months 0% interest on transfers (1% fee)

6months 0% interest on purchases  

18.9% APR  

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your Representative APR is 18.9% APR (variable).

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RBS YourPoints World MasterCard

  • 15 months 0% interest on purchases
  • 15 months 0% interest on balance transfers
  • Earn double YourPoints per £1 spent for 15 months from account opening with 2,500 bonus points when you open an account

15months 0% interest on transfers (2.9% fee)

15months 0% interest on purchases  

16.9% APR  

Representative example: When you spend £1,200 at a rate of 16.95% (variable) per annum, your Representative APR is 16.9% APR (variable).

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Post Office Platinum MasterCard

  • With 0% interest on balance transfers for 14 months.
  • No charges for overseas purchases.
  • No cash fee when purchasing Post Office® Travel Money.

14months 0% interest on transfers (2.98% fee)

3months 0% interest on purchases  

16.9% APR  

Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).

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NatWest Platinum with Low Balance Transfer Fee

  • The lowest transfer fee in the market at just 1%.
  • 0% on balance transfers for 13 months.
  • 0% on puchases for 6 months.

13months 0% interest on transfers (1% fee)

6months 0% interest on purchases  

18.9% APR  

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your Representative APR is 18.9% APR (variable).

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Barclaycard Platinum with Low Transfer Fee

  • 0% on balance transfers for 16 months.
  • A very low fee of 1.5% (was 1.6%) when you transfer.
  • 0% interest on purchases for 3 months.

16months 0% interest on transfers (1.5% fee)

3months 0% interest on purchases  

18.9% APR  

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).

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Capital One Classic Extra

  • 0.5% cashback on all your purchases with no annual fee to pay.
  • Geared towards building your credit rating, with a maximum credit limit of £1,500.

n/a

n/a

34.9% APR  

Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your Representative APR is 34.9% APR (variable).

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The AA Balance Transfer Credit Card Visa

  • Primarily a balance transfer card, offering 0% on balance transfers for 16 months.
  • Like other AA credit cards, the card gives AA reward points on all card purchases.

16months 0% interest on transfers (2.9% fee)

3months 0% interest on purchases  

17.9% APR  

Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

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NatWest YourPoints World MasterCard

  • 15 months 0% interest on purchases
  • 15 months 0% interest on balance transfers
  • Earn double YourPoints per £1 spent for 15 months from account opening with 2,500 bonus points when you open an account

15months 0% interest on transfers (2.9% fee)

15months 0% interest on purchases  

16.9% APR  

Representative example: When you spend £1,200 at a rate of 16.95% (variable) per annum, your Representative APR is 16.9% APR (variable).

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Sainsbury's Bank Cashback Credit Card

  • Top cashback card offering 5% cashback on Sainsbury's shopping for the first 3 months.
  • 0% on balance transfers for 15 months.
  • 0% interest on purchases for 6 months.

15months 0% interest on transfers (3% fee)

6months 0% interest on purchases  

17.9% APR  

Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

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Lloyds TSB Advance Online MasterCard

  • A low interest Lloyds TSB credit card geared towards shoppers.
  • 0% on purchases for the first 6 months.

12months 4.9% interest on transfers (3% fee)

6months 0% interest on purchases  

11.9% APR  

Representative example: When you spend £1,200 at a rate of 11.95% (variable) per annum, your Representative APR is 11.9% APR (variable).

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Sainsbury's Bank Nectar Credit Card

  • The Nectar credit card is primarily a reward card offering Nectar points on Sainsbury's shopping.
  • 0% on balance transfers for 15 months.
  • 0% interest on purchases for 6 months.

15months 0% interest on transfers (3% fee)

6months 0% interest on purchases  

17.9% APR  

Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

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Santander 123 Credit Card MasterCard

  • 3% cashback at major petrol station, on National Rail and TFL purchases, 2% cashback at major department stores and 1% cashback at major supermarkets.
  • Limited Offer. Annual card fee of £24 - refunded in the first year for 123 Current Account customers (Offer valid until 30 June 2013).

n/a

n/a

22.8% APR  

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, with a £24 annual fee, your Representative APR is 22.8% APR (variable).

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Barclaycard Platinum Simplicity Visa

  • The lowest APR of any Barclaycard credit card.
  • No fees on balance transfers.
  • Contactless payment technology for purchases under £20.

n/a

n/a

7.9% APR  

Representative example: When you spend £1,200 at a rate of 7.9% (variable) per annum, your Representative APR is 7.9% APR (variable).

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Barclaycard Platinum 18 Month Balance Transfer Visa

  • Designed for people with a limited credit history
  • 0% interest on balance transfers for 18 months from account opening(2.9% handling fee applies)
  • You are unlikely to be accepted if you have defaulted on a payment or received a CCJ in the last 2 years

18months 0% interest on transfers (2.9% fee)

3months 0% interest on purchases  

24.9% APR  

Representative example: When you spend £1,200 at a rate of 24.9% (variable) per annum, your Representative APR is 24.9% APR (variable).

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Sainsbury's Bank Nectar Low Rate Credit Card

  • Collect 10 Nectar points per £1 on Sainsbury's shopping for the first 3 months.
  • Collect 4 Nectar points per £1 on Sainsbury's shopping after the first 3 months.
  • Low APR of 7.8%.
  • No annual fee.

n/a

n/a

7.8% APR  

Representative example: When you spend £1,200 at a rate of 7.84% (variable) per annum, your Representative APR is 7.8% APR (variable).

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Winner - Best Email Customer Service.

British Airways American Express Card

  • The British Airways American Express card gives you 1 Avios point for virtually every £1 spent.
  • Get 3,000 bonus Avios points if you spend £5,00 in the first 3 months.
  • No annual fee.

n/a

n/a

15.9% APR  

Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your Representative APR is 15.9% APR (variable).

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The AA Rewards Credit Card

  • Double points when you buy fuel – 1% cashback for members and 0.5% for non-members.
  • Multi-purpose AA credit card offering 0% on purchases for 10 months and AA reward points on all purchases.
  • 0% on balance transfers for 12 months.

12months 0% interest on transfers (3% fee)

10months 0% interest on purchases  

16.9% APR  

Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).

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Barclaycard Platinum with 14 months on Purchases

  • Multi-purpose Barclaycard offering 0% on purchases and balance transfers for 14 months.
  • Transfer fee of 2.9% applies.

14months 0% interest on transfers (2.9% fee)

14months 0% interest on purchases  

18.9% APR  

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).

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Barclaycard Gold Visa

  • This Barclaycard credit card gives 0% on balance transfers for 12 months and comes with contactless payments for purchases under £20.

12months 0% interest on transfers (2.5% fee)

n/a

19.9% APR  

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your Representative APR is 19.9% APR (variable).

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Lloyds TSB Duo Avios Credit Card

  • You receive two cards - one American Express and one MasterCard.
  • Collect 1 Avios for every £1 spent on the Amex card, 1 Avios for every £5 spent on the MasterCard and double Avios on your spend aboard.
  • Limited Offer. Apply by 15 September 2013 and spend £500 a month for the first 3 months on the Amex card to get a 15,000 Avios bonus - enough for a return flight.
  • No annual fee.

6months 0% interest on transfers (3% fee)

n/a

17.9% APR  

Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

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Sainsbury's Bank Cashback Low Rate Credit Card

  • 5% cashback on Sainsbury's shopping for the first 3 months.
  • £5 cashback each month when you spend £250 per month on Sainsbury's shopping and another £250 per month elsewhere.
  • Low APR of 7.8%.
  • No annual fee.

n/a

n/a

7.8% APR  

Representative example: When you spend £1,200 at a rate of 7.84% (variable) per annum, your Representative APR is 7.8% APR (variable).

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MBNA More Rewards Credit Card Account

  • Two cards and one account - earn rewards points for every purchase you make.
  • 2 points for every pound you spend on the Amex and 1 point for every pound you spend on the Visa card.
  • Double points for the first 90 days.

n/a

n/a

12.9% APR  

Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).

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The AA Balance Transfer Plus Credit Card Visa

  • Designed for balance transfers.
  • 6.9% fee on transfers made within the first 60 days.

0months 6.9% interest on transfers (2% fee)

n/a

16.9% APR  

Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).

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Capital One Aspire Elite MasterCard

  • A Capital One credit card aimed at big spenders - 5% cashback on all purchases for the first 3 months (max £200 cashback).
  • Cashback rate of up to 2% applies thereafter.
  • Annual card fee of £120.

n/a

n/a

19.9% APR  

Representative example: When you spend £12,000 at a rate of 17.57% (variable) per annum, with a £120 annual fee, your Representative APR is 19.9% APR (variable).

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Winner - Best Email Customer Service.

The Starwood Preferred Guest® Credit Card from American Express

  • A reward card offering complimentary hotel and flight bookings with a higher than average £75 annual fee.
  • Welcome bonus of 20,000 Starpoints if you spend £1,000 in the first 3 months - enough for 5 free nights in a top class hotel.

n/a

n/a

36.2% APR  

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £75 annual fee, your Representative APR is 36.2% APR (variable).

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Winner - Best Email Customer Service.

The American Express Nectar Credit Card

  • 10,000 Nectar bonus points when you spend and charge £1,000 to your account in your first 3 months.
  • 2 points for virtually every full £1 spent elsewhere.
  • £25 annual fee applies.

n/a

n/a

25.0% APR  

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £25 annual fee, your Representative APR is 25.0% APR (variable).

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Winner - Best Email Customer Service.

British Airways American Express Premium Plus

  • 1.5 Avios points for virtually every £1 spent and 3 Avios for virtually every £1 you spend directly with British Airways on BA flights and holidays.
  • Get 18,000 bonus Avios if you £3,000 spend in the first 3 months.
  • Annual fee of £150 applies.

n/a

n/a

56.4% APR  

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £150 annual fee, your Representative APR is 56.4% APR (variable).

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Winner - Best Email Customer Service.

American Express Platinum Cashback Card

  • Earn 5% cashback on up to £2,000 of purchases in your first 3 months.
  • A cashback rate of 1.25% applies on all spending thereafter.
  • Annual fee of £25.

n/a

n/a

18.7% APR  

Representative example: When you spend £1,200 at a rate of 14.0% (variable) per annum, with a £25 annual fee, your Representative APR is 18.7% APR (variable).

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Barclaycard Freedom Rewards Visa

  • Designed for people with a limited credit history - you are unlikely to be accepted if you have received a CCJ or defaulted on a payment in the last 2 years
  • 10,500 Freedom bonus points worth £30 when you spend £500 or more in the first 3 months (terms and conditions apply)
  • 0% interest on balance transfers for 9 months (2.9% handling fee applies)
  • Collect double Freedom points on UK supermarket and petrol station spend, triple points at selected Freedom partners.

9months 0% interest on transfers (2.9% fee)

n/a

24.9% APR  

Representative example: When you spend £1,200 at a rate of 24.9% (variable) per annum, your Representative APR is 24.9% APR (variable).

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NatWest Low Rate Credit Card Visa

  • As with the RBS credit card, this card offers 0% interest on purchases for 6 months.
  • Balance transfers limited to 95% of the credit limit - if your card has a limit of £2,000, you could switch up to £1,900.
  • Applicants need to have excellent credit ratings to apply.

12months 2.9% interest on transfers (0% fee)

6months 0% interest on purchases  

9.9% APR  

Representative example: When you spend £1,200 at a rate of 9.95% (variable) per annum, your Representative APR is 9.9% APR (variable).

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RBS Low Rate Credit Card Visa

  • This low APR card offers 0% interest on purchases for 6 months.
  • Balance transfers limited to 95% of the credit limit, so if your card has a limit of £2,000, you could switch up to £1,900.
  • Applicants need to have excellent credit ratings to apply.

12months 2.9% interest on transfers (0% fee)

6months 0% interest on purchases  

9.9% APR  

Representative example: When you spend £1,200 at a rate of 9.95% (variable) per annum, your Representative APR is 9.9% APR (variable).

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Lloyds TSB Premier Duo Avios Credit Card

  • You receive two cards - one American Express and one MasterCard.
  • Collect 1.25 Avios for every £1 spent on the Amex card, 1.25 Avios for every £5 spent on the MasterCard and double Avios on your spend aboard.
  • Limited Offer. Apply by 15 September 2013 and spend £500 a month for the first 3 months on the Amex card to get a 20,000 Avios bonus - enough for 2 return flights.
  • Annual fee of £50 applies.

6months 0% interest on transfers (3% fee)

n/a

23.7% APR  

Representative example: When you spend £1,200 at a rate of 13.95% (variable) per annum, with a £50 annual fee, your Representative APR is 23.7% APR (variable).

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Black Diamond Credit Card

  • This credit building card comes with an initial credit limit of £150 to £1,000 and no monthly or annual fees.
  • High APR of 59.9%.

n/a

n/a

59.9% APR  

Representative example: When you spend £250 at a rate of 59.94% (variable) per annum, your Representative APR is 59.9% APR (variable).

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Top three - Customer Satisfaction, Most Recommended, Most Trusted, Online Account Management.

The Co-operative Bank Platinum Fixed Rate Visa

  • This Co-operative Bank credit card offers a low rate of 9.9% which is fixed for 5 years.
  • No annual fee applies.

n/a

n/a

9.9% APR  

Representative example: When you spend £1,200 at a rate of 9.9% (variable) per annum, your Representative APR is 9.9% APR (variable).

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Best Overall Credit Card Provider. Category wins: Satisfaction, Trust, Recommendation, Value for Money, Cashback and Rewards, Communication.

John Lewis and Waitrose partnership MasterCard

  • 1 point for every £1 spent in-store or online at John Lewis and Waitrose.
  • 1 point for every £2 spent elsewhere, and every 500 points earned is worth £5 in vouchers.

6months 0% interest on transfers (2.5% fee)

6months 0% interest on purchases  

16.9% APR  

Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).

What are credit cards?

Credit cards are a way of borrowing money to pay for bills, goods, or services. Once you've reached a pre-approved credit limit - known as 'maxing out' your credit card - you won't be able to spend any more on the card until you've paid off some of the debt.

At the end of every month you pay off at least the minimum amount of what you owe on the card - if you don't, you'll soon begin to pay interest on what you've borrowed.

Where can I get a credit card?

You normally apply for a credit card online or in-branch at a bank or building society. However, lots of supermarkets, such as Sainsbury's and Tesco, and other specialist providers, like Capital One, also offer cards.

From the traditional high street banks to the major supermarket providers, our credit card comparison tables include all the big names.


Types of credit card

Credit cards come in a variety of different forms - some cards are better for new purchases or getting cashback on your spending, while others are better for transferring existing debt.

We compare the following types of credit card:

Use our credit card comparison tables above to see our most popular credit card offers.