Compare credit cards

Looking for a 0% balance transfer credit card, a rewards card, or have a history of bad credit? Compare a range of credit cards with our tables.

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Barclaycard Platinum 36 Month Balance Transfer Visa Credit Card

market leading reduced fee offer 0% Balance Transfer No Annual Fee

Barclaycard Platinum 36 Month Balance Transfer Visa Credit Card

  • 60 days to transfer balance
  • Online account management, paper statements available on request
more info
18.9% APR
Representative (variable)
36
 months
0% interest on transfers
2.39%
Transfer fee
6
 months
0% interest on purchases
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have an income of £20,000 or more
  • have a good credit rating
  • 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).

Capital One Classic Platinum MasterCard

Credit Building No Annual Fee Bad Credit

Capital One Classic Platinum MasterCard

  • Designed to help improve your credit rating
  • Up to two optional credit limit increases per year
  • Apply and get a response in 60 seconds
more info
29.8% APR
Representative (variable)
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have had credit in the UK before
  • have had no bankruptcies in the past 12 months

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 29.84% (variable) per annum, your representative APR is 29.8% APR (variable).

Halifax 36 Month Balance Transfer Credit Card

0% Balance Transfer

Halifax 36 Month Balance Transfer Credit Card

  • 2.45% effective balance transfer fee (initial 3% fee, 0.55% refunded within 90 days)
  • Manage your card online using Online Banking and Mobile Banking
more info
18.9% APR
Representative (variable)
36
 months
0% interest on transfers
2.45%
Transfer fee
6
 months
0% interest on purchases
Apply
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 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).

MBNA Platinum Credit Card Visa

2015 award winner
eligibility check reduced fee offer 0% Balance Transfer Money Transfer

MBNA Platinum Credit Card Visa

  • 20 months 0% on money transfers made in the first 60 days (4% fee)
  • Eligibility check - see if you qualify without affecting your credit rating
  • Card offers contactless payment
more info
18.9% APR
Representative (variable)
36
 months
0% interest on transfers
2.48%
Transfer fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • 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).

Ocean Credit Card MasterCard

Bad Credit Credit Building

Ocean Credit Card MasterCard

  • Manage your account online and with your phone
  • Apply and get a response in 60 seconds
  • Suitable for people looking to rebuild their credit profile
more info
34.9% APR
Representative (variable)
Apply
To get this card you must at least:
  • be 18 or older
  • be on the electoral roll
  • 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).

Santander 123 Credit Card MasterCard

0% Purchase Cashback 0% Balance Transfer

Santander 123 Credit Card MasterCard

  • First year fee-free if you have or open a 123 Current Account. Otherwise £24 annual fee
  • Up to 3% cashback available
more info
16.5% APR
Representative (variable)
23
 months
0% interest on transfers
0.0%
Transfer fee
23
 months
0% interest on purchases
Apply
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 12.7% (variable) per annum, with a £24 annual fee, your representative APR is 16.5% APR (variable).

Black Diamond Credit Card by Vanquis

Bad Credit No Annual Fee

Black Diamond Credit Card by Vanquis

  • Credit limit increase possible after fifth statement, further increases every five months, up to £3,500
  • Designed to help build your credit rating
  • Up to 56 days interest free credit on purchases
more info
59.9% APR
Representative (variable)
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have had credit in the UK before

Additional criteria for acceptance from the lender may apply.

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

marbles classic 29.7% credit card

most popular new release Bad Credit

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)
Apply
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).

Virgin 36 Month Balance Transfer Credit Card

new release 0% Balance Transfer Money Transfer Instant Decision No Annual Fee

Virgin 36 Month Balance Transfer Credit Card

  • Three years 0% on balance and money transfers
  • 2.5% balance transfer fee in first 60 days, 5% thereafter
more info
18.9% APR
Representative (variable)
36
 months
0% interest on transfers
2.5%
Transfer fee
6
 months
0% interest on purchases
Apply
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).

Virgin All Round Credit Card

new release 0% Balance Transfer 0% Purchase Money Transfer Instant Decision No Annual Fee

Virgin All Round Credit Card

  • Two years 0% on balance transfers, money transfer and purchases
  • 1.9% money transfers fee in first 60 days, 5% thereafter
  • 1% balance transfers fee in first 60 days, 5% thereafter
more info
18.9% APR
Representative (variable)
24
 months
0% interest on transfers
1.0%
Transfer fee
24
 months
0% interest on purchases
Apply
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).
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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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