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Looking for a 0% balance transfer credit card, a rewards card, or a card for bad credit? We compare over 100 credit cards to help you find the right credit card for you.

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Popularity APR Balance transfer Purchases

Barclaycard Platinum 37 Month Balance Transfer

Barclaycard Platinum 37 Month Balance Transfer

  • 2.19% effective balance transfer fee (initial 3.5% fee refunded to 2.19%)
  • Six months 0% on purchases
More info
18.9% APR
Representative (variable)
37
 months
0% interest on transfers
2.19%
Transfer fee
6
 months
0% interest on purchases
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • best suited to customers with an income of £20,000
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may apply.

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

aqua Reward With Cashback

£20 Amazon voucher

aqua Reward With Cashback

  • £20 Amazon gift certificate exclusively through uSwitch (terms apply)
  • 0.5% cashback and no foreign transaction fees
  • Credit limit increase possible after four months
More info
34.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • have a UK current bank or building society account
  • not be registered bankrupt in past 18 months or have proceedings
  • have no Country Court Judgements (past 12 months)

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 34.91% (variable) per annum, your representative APR is 34.9% APR (variable)

Halifax 40 Month Balance Transfer Credit Card

Halifax 40 Month Balance Transfer Credit Card

  • Only available until 15 February 2016
  • 2.95% effective balance transfer fee (initial 3% fee, 0.05% refunded within 90 days)
  • Manage your card online using Online Banking and Mobile Banking
More info
18.9% APR
Representative (variable)
40
 months
0% interest on transfers
2.95%
Transfer fee
6
 months
0% interest on purchases
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

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

Ocean Credit Card MasterCard

Ocean Credit Card MasterCard

  • Manage your account online and with your phone
  • 60 second eligibility QuickCheck that will not affect your credit score
  • Suitable for people looking to rebuild their credit profile
More info
34.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • be able to show some history of managing credit

Additional criteria for acceptance from the lender may apply.

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

Tesco Bank Clubcard Credit Card for 38m Balance Transfer

2015 award winner

Tesco Bank Clubcard Credit Card for 38m Balance Transfer

  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • Online application decision in 60 seconds
More info
18.9% APR
Representative (variable)
38
 months
0% interest on transfers
2.7%
Transfer fee
3
 months
0% interest on purchases
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable)

Post Office Matched Credit Card

Post Office Matched Credit Card

  • Add up to three additional cardholders for free
  • No cash advance fee when you purchase Post Office Travel Money
More info
18.9% APR
Representative (variable)
16
 months
0% interest on transfers
2.98%
Transfer fee
27
 months
0% interest on purchases
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have a current bank or building society account
  • not be an existing Post Office cardholder
  • have an annual income over £8,000 (excl. unemployment benefits)
  • have no outstanding County Court Judgements (CCJs)
  • No balance transfers from Post Office or Bank of Ireland (UK) plc credit cards

Additional criteria for acceptance from the lender may apply.

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

marbles classic 29.7% credit card

marbles classic 29.7% credit card

  • FastCheck your eligibility with instant response
  • Credit limit review after three months
  • UK-based customer helpline
More info
29.7% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • have a UK current bank or building society account
  • not be registered bankrupt in past 18 months or have proceedings
  • have no Country Court Judgements (past 12 months)

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 29.75% (variable) per annum, your representative APR is 29.7% APR (variable)

Halifax 23 Months Balance Transfer Credit Card

Halifax 23 Months Balance Transfer Credit Card

  • 0% transfer fee for transfers in first 90 days, 3% fee thereafter
  • Manage your card online using Internet Banking and Mobile Banking
More info
18.9% APR
Representative (variable)
23
 months
0% interest on transfers
0.0%
Transfer fee
6
 months
0% interest on purchases
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may apply.

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

Virgin 40 Month Balance Transfer Credit Card

Virgin 40 Month Balance Transfer Credit Card

  • 0% for 40 months on balance transfers (2.89% transfer fee)
  • 0% for 40 months on money transfers (4% transfer fee)
  • 0% for 3 months on purchases
More info
18.9% APR
Representative (variable)
40
 months
0% interest on transfers
2.89%
Transfer fee
3
 months
0% interest on purchases
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may apply.

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

MBNA Platinum 39 Month Credit Card

2015 award winner

MBNA Platinum 39 Month Credit Card

  • Up to 39 months 0% on balance transfer (2.98% fee) in first 60 days, 20.9% p.a. with 5% fee thereafter
  • Up to 20 months 0% on money transfer (4% fee) in first 60 days, 22.9% p.a with 5% fee thereafter
  • Eligibility check - see if you qualify without affecting your credit rating. Depending on results product details may vary
More info
18.9% APR
Representative (variable)
39
 months
0% interest on transfers
2.98%
Transfer fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit history
  • hold a UK bank or building society account
  • no balance transfers from MBNA or Fluid Money credit cards

Additional criteria for acceptance from the lender may apply.

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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Frequently asked questions

How do I choose the right type of card?

Our tables let you compare across a range of different criteria, but the right card depends on what you want it for. If you have a good credit rating and pay your bills on time, then a cashback or rewards card will give you extras on your spending.

If on the other hand you have a poor credit file, or don’t have a history of borrowing, a credit-builder or bad credit card will be more suitable. Or, if you have an existing credit card debt it’s balance transfer you’re after.

What makes one card better than the other?

Again, it depends how you’re going to be using it. If you have a large debt already a balance transfer card is your best bet. You can then choose to pay 0% for a longer period of time – the balance transfer period – or for a shorter period, but with no transfer fee.

If on the other hand you’ll be using it for purchases and spending you might want a card offering 0% on new purchases, again, for the longest period. If on the other hand you may have some outstanding balance at the end of the month then a low APR card could be suitable.

I've heard APR is the best way to compare, is that true?

APR, or annual percentage rate, is a great basis of comparison. It takes the interest rate, adds in any fees, and averages it out over the year. That means the lower the APR, the lower the overall interest rate and fees will be and the less you’ll pay overall.

Having said that APR can be relatively unimportant. If you’re transferring an existing debt to a balance transfer card then you’ll get a long 0% interest period, so knowing the APR may be less important than knowing how long you’ll pay 0%.

What happens when I hit 'apply'

When you hit the apply button we will take you to a page with more details about the card, as well as a summary box, any terms and conditions, and anything else you may need to know before you get the card.

What does 'will I get this card' mean?

Our ‘Will I get this card’ button is there to help you decide whether the card is suitable for you. Most cards have a few minimum criteria you need to meet before getting the card, but it’s important to realise that even if you meet the criteria you may not get the card.

Why might I be rejected for a card?

One of the key factors determining whether you will be accepted for the advertised credit card is your credit history, otherwise known as your credit report or score. This gives the lender an indication of how likely you are to repay the debt on the card.

If they think you’re a bigger risk, you may be asked to pay a higher interest rate. You can read more about credit reports in our guide pages.

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