Compare credit cards

Our credit card comparison tables can help you find the best credit card deals for your need. Apply for credit cards with uSwitch today.

Sort by popularity Features Balance transfer Purchases APR
market leading 0% balance transfer no annual fee
Barclaycard Platinum 34 Month Balance Transfer Visa

Barclaycard Platinum 34 Month Balance Transfer Visa

  • 34 months 0% on balance transfers
  • 2.99% balance transfer fee
  • 9 months 0% on purchases
more info
34 months 0% interest on transfers
2.99% transfer fee
9 months 0% interest on purchases
18.9% APR Representative (variable)
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).
2014 award winner 0% balance transfer 0% purchase reward no annual fee
M&S Credit Card

M&S Credit Card

  • 19 months 0% on purchases
  • 12 months 0% on balance transfers (2.9% fee) (min £5)
  • 500 M&S points voucher worth £5 for select M&S spending
  • 1 M&S point per £1 spent instore; 0.5 M&S point per £1 spent outside of store
more info
12 months 0% interest on transfers
2.9% transfer fee
19 months 0% interest on purchases
18.9% APR Representative (variable)
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).
eligibility check new release 0% balance transfer money transfer
MBNA Platinum Credit Card Visa

MBNA Platinum Credit Card Visa

  • 32 months 0% on balance transfers made in the fist 60 days (2.69% fee)
  • 32 months 0% on money transfers made in the first 60 days (4% fee)
  • 3 months 0% on purchases
more info
32 months 0% interest on transfers
2.69% transfer fee
3 months 0% interest on purchases
18.9% APR Representative (variable)
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).
2014 award winner 0% balance transfer 0% purchase cashback travel
Nationwide Select Credit Card

Nationwide Select Credit Card

  • Nationwide current account customers only
  • 15 months 0% on purchases
  • 26 months 0% on balance transfers (2.4% fee)
  • 0.5% cashback on all sterling purchases
  • No foreign transaction fees
  • No annual fee
more info
26 months 0% interest on transfers
2.4% transfer fee
15 months 0% interest on purchases
15.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
most popular bad credit credit building instant decision
Ocean Credit Card MasterCard

Ocean Credit Card MasterCard

  • Manage your account online and with a smartphone
  • 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
Representative example: When you spend £1,200 at a rate of 34.9% (variable) per annum, your representative APR is 34.9% APR (variable).
0% purchase cashback
Santander 123 Credit Card MasterCard

Santander 123 Credit Card MasterCard

  • 18 months 0% on purchases
  • 3% cashback on petrol and National Rail and TFL purchases
  • 2% cashback at major department stores
  • 1% cashback at major supermarkets
  • First year fee-free if you have, or open, a 123 Current Account. Otherwise £24 annual fee
more info
18 months 0% interest on purchases
16.5% APR Representative (variable)
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).
2014 award winner 0% purchase reward
Tesco Bank Purchase card with 1000 points

Tesco Bank Purchase card with 1000 points

  • 17 months 0% on purchases
  • 3 months 0% on balance transfers (2.9% fee)
  • 1000 Clubcard points if you make a purchase or transfer a balance within 2 months of account opening
  • 1 Clubcard point for every £4 spent everywhere else
more info
3 months 0% interest on transfers
2.9% transfer fee
17 months 0% interest on purchases
18.9% APR Representative (variable)
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).
2014 award winner 0% balance transfer reward instant decision
Tesco Bank Clubcard Credit Card for 33m Balance Transfer

Tesco Bank Clubcard Credit Card for 33m Balance Transfer

  • 33 months 0% on balance transfers (2.9% fee)
  • Up to 5 Clubcard points for every £4 spent at Tesco
  • 1 Clubcard point for every £4 you spend everywhere else
  • Application decision in 60 seconds
more info
33 months 0% interest on transfers
2.9% transfer fee
3 months 0% interest on purchases
18.9% APR Representative (variable)
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).
0% balance transfer
TSB Online Platinum 15 Month BT MasterCard

TSB Online Platinum 15 Month BT MasterCard

  • 15 months 0% on balance transfers
  • 0.8% transfer fee (first 3 months), 3% thereafter
more info
15 months 0% interest on transfers
0.8% transfer fee
3 months 0% interest on purchases
17.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).
reward travel airline
TSB Avios Amex/MasterCard

TSB Avios Amex/MasterCard

  • Up to 1 Avios point for every £1 spent
  • Double Avios points when spending abroad
  • MasterCard and American Express cards
  • 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider
  • No annual fee
more info
6 months 0% interest on transfers
3.0% transfer fee
17.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).
credit building
Lloyds Bank Classic MasterCard

Lloyds Bank Classic MasterCard

  • 0% for 3 months from account opening on purchases
  • Minimum credit limit of £500 if accepted
  • 25.9% rate if accepted
  • No Annual Fee
more info
6 months 0% interest on transfers
3.0% transfer fee
3 months 0% interest on purchases
25.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 25.95% (variable) per annum, your representative APR is 25.9% APR (variable).
new release low apr
Platinum Low Rate Credit Card

Platinum Low Rate Credit Card

  • 0% balance transfer fee on balances transferred within the first 90 days of opening the account, 3% thereafter
  • Low representative rate of 6.4%
  • Worldwide use - accepted in over 36 million locations
more info
6.4% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 6.45% (variable) per annum, your representative APR is 6.4% APR (variable).
0% balance transfer credit building no annual fee
Barclaycard Platinum 18 Month Balance Transfer Visa

Barclaycard Platinum 18 Month Balance Transfer Visa

  • For people with limited, but good credit history
  • 0% on balance transfers for 18 months
  • 2.9% balance transfer fee
  • 0% on purchases for 3 months
more info
18 months 0% interest on transfers
2.9% transfer fee
3 months 0% interest on purchases
24.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 24.9% (variable) per annum, your representative APR is 24.9% APR (variable).
bad credit credit building
aqua Classic Credit Card

aqua Classic Credit Card

  • Unlimited access to your credit report
  • Those with past CCJs or defaults may be accepted
  • Designed to help build your credit rating
more info
29.7% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 29.71% (variable) per annum, your representative APR is 29.7% APR (variable).
0% balance transfer
Halifax 33 Month Balance Transfer Credit Card

Halifax 33 Month Balance Transfer Credit Card

  • 33 months 0% on balance transfers
  • 2.8% balance transfer fee in the first 90 days after refund
  • 6 months 0% on purchases
more info
33 months 0% interest on transfers
2.8% transfer fee
6 months 0% interest on purchases
18.9% APR Representative (variable)
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).
eligibility check 0% balance transfer money transfer
Fluid 29 Month Balance Transfer Visa Card

Fluid 29 Month Balance Transfer Visa Card

  • 0% on balance transfers for 29 months
  • 0% on money transfers for 29 months
  • 0% on purchases for 3 months
  • Pre-application eligibility technology protects your credit rating
more info
29 months 0% interest on transfers
2.9% transfer fee
3 months 0% interest on purchases
18.9% APR Representative (variable)
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).
new release eligibility check low apr money transfer
MBNA Low Rate Credit Card

MBNA Low Rate Credit Card

  • 6.5% rate on purchases and balance transfers
  • 6.5% rate on money transfers
  • No handling fees
  • No annual fee
more info
6.6% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 6.5% (variable) per annum, your representative APR is 6.6% APR (variable).
0% balance transfer 0% purchase reward travel airline
Lloyds Bank Avios Rewards Amex/MasterCard

Lloyds Bank Avios Rewards Amex/MasterCard

  • Up to 1.25 Avios for every £1 spent
  • Double Avios in your first 6 months
  • No foreign transaction fees
  • £24 annual fee
more info
18 months 0% interest on transfers
3.0% transfer fee
16 months 0% interest on purchases
23.7% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £24 monthly fee, your representative APR is 23.7% APR (variable).
0% balance transfer travel
Post Office Platinum MasterCard

Post Office Platinum MasterCard

  • 18 months 0% on balance transfers
  • No foreign transaction fees
  • No cash advance fee when you purchase Post Office Travel Money
more info
18 months 0% interest on transfers
2.98% transfer fee
3 months 0% interest on purchases
17.8% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 17.8% (variable) per annum, your representative APR is 17.8% APR (variable).
0% balance transfer 0% purchase reward no annual fee
Sainsbury's Bank Nectar Credit Card

Sainsbury's Bank Nectar Credit Card

  • 18 months 0% on purchases & balance transfers (3% fee)
  • Double Nectar points on Sainsbury's shopping
  • 1 Nectar point for every £5 spent everywhere else
more info
18 months 0% interest on transfers
3.0% transfer fee
18 months 0% interest on purchases
18.9% APR Representative (variable)
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).
0% balance transfer reward no annual fee
Sainsbury's Bank Nectar Balance Transfer Credit Card

Sainsbury's Bank Nectar Balance Transfer Credit Card

  • 33 months 0% on balance transfers
  • Double Nectar points on Sainsbury's shopping
  • 2.89% transfer fee (first 3 months), 3% thereafter
more info
33 months 0% interest on transfers
2.89% transfer fee
6 months 0% interest on purchases
18.9% APR Representative (variable)
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).
2014 award winner market leading 0% purchase reward no annual fee
Tesco Bank 19 Month Purchase Clubcard Credit Card

Tesco Bank 19 Month Purchase Clubcard Credit Card

  • 19 months 0% on purchases
  • 3 months 0% on balance transfers (2.9% fee)
  • 5 Clubcard points for every £4 spent in Tesco
  • 1 Clubcard point for every £4 spent everywhere else
  • Application decision in 60 seconds
more info
3 months 0% interest on transfers
2.9% transfer fee
19 months 0% interest on purchases
18.9% APR Representative (variable)
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).
2014 award winner reward cashback instant decision
American Express Platinum Cashback Card

American Express Platinum Cashback Card

  • 5% cashback in your first 3 months (up to £125)
  • 1.25% cashback on all spending thereafter
  • Bonus 2.5% cashback if you spend more than £10,001 in a year
  • £25 annual fee
  • Application response in 60 seconds
more info
18.7% APR Representative (variable)
Apply
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).
2014 award winner reward travel airline instant decision
British Airways American Express® Credit Card

British Airways American Express® Credit Card

  • 9,000 Avios when spending £1000 within the first 3 months
  • Companion Voucher when you spend £20,000 in one year
  • 1 Avios for every £1 spent
  • Application response in 60 seconds
  • No annual fee
more info
15.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
limited offer credit building bad credit no annual fee
Barclaycard Initial

Barclaycard Initial

  • 6 months 0% on purchases
  • Designed to help improve your credit rating
  • Possibility to reduce your APR
more info
6 months 0% interest on purchases
34.9% APR Representative (variable)
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).
bad credit credit building instant decision
Capital One Classic Platinum MasterCard

Capital One Classic Platinum MasterCard

  • Up to 56 days interest-free credit
  • Designed to help improve your credit rating
  • Apply and get a response in 60 seconds
more info
29.8% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 29.4% (variable) per annum, your representative APR is 29.8% APR (variable).
credit building instant decision
Luma MasterCard

Luma MasterCard

  • Up to £1,500 credit limit
  • Application response in 60 seconds
  • Designed to help build your credit rating
more info
35.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 35.94% (variable) per annum, your representative APR is 35.9% APR (variable).
0% balance transfer 0% purchase money transfer no annual fee
MBNA Everyday Credit Card Visa

MBNA Everyday Credit Card Visa

  • 15 months 0% on card purchases
  • 21 months 0% on balance transfers made in the first 60 days (1.5% fee)
  • 21 months 0% on money transfers made in the first 60 days (4% fee)
more info
21 months 0% interest on transfers
1.5% transfer fee
15 months 0% interest on purchases
15.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
0% balance transfer
Lloyds Bank Platinum 33 Month BT MasterCard

Lloyds Bank Platinum 33 Month BT MasterCard

  • 33 months 0% on balance transfers made in first 90 days
  • 2.85% transfer fee in the first 3 months, 3% thereafter (3% initial fee applies, LBG will then refund 0.20% within 90 days)
  • 6 months 0% on new purchases
more info
33 months 0% interest on transfers
2.85% transfer fee
6 months 0% interest on purchases
18.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).
reward low apr
Sainsbury's Bank Nectar Low Rate Credit Card

Sainsbury's Bank Nectar Low Rate Credit Card

  • 6.9% rate with no monthly or annual fee
  • Double Nectar points on Sainsbury's shopping
  • 1 Nectar point for every £5 spent elsewhere
more info
6.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 6.95% (variable) per annum, your representative APR is 6.9% APR (variable).
2014 award winner reward cashback instant decision
American Express Platinum Cashback Everyday Card

American Express Platinum Cashback Everyday Card

  • 5% cashback in your first 3 months (up to £100)
  • Up to 1.25% cashback thereafter
  • No annual fee
  • Application response in 60 seconds
more info
19.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).
2014 award winner limited offer reward travel airline instant decision
British Airways American Express® Premium Plus Card

British Airways American Express® Premium Plus Card

  • 25,000 Avios when spending £3,000 within the first 3 months
  • 3 Avios for every £1 spent directly with British Airways
  • 1.5 Avios for every £1 spent
  • Companion Voucher when you spend £10,000 in one year
  • Application response in 60 seconds
more info
56.4% APR Representative (variable)
Apply
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).
cashback
Capital One Aspire Elite

Capital One Aspire Elite

  • 5% cashback in your first 3 months (up to £200)
  • Up to 2% cashback thereafter
  • £120 annual fee
more info
19.9% APR Representative (variable)
Apply
Representative example: When you spend £12,000 at a rate of 17.57% (variable) per annum, your representative APR is 19.9% APR (variable).
0% balance transfer 0% purchase no annual fee
Bank of Scotland 28 Month Balance Transfer

Bank of Scotland 28 Month Balance Transfer

  • 0% on Balance Transfers for the first 28 months
  • 0% on Purchases is for the first 12 months
  • 1.5% Balance transfer fee applies in the first 90 days, 3% fee applies thereafter
more info
28 months 0% interest on transfers
1.5% transfer fee
12 months 0% interest on purchases
18.9% APR Representative (variable)
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).
0% balance transfer reward travel airline money transfer
Emirates Skywards Credit Card

Emirates Skywards Credit Card

  • 12,000 Bonus Skyward Miles if you spend £1,000 within 90 days of account opening
  • 0% on money and balance transfers for up to 6 months from the date your account is opened, 2% handling fee
  • 0% on Emirates flights for up to 12 months from the date your account is opened
more info
6 months 0% interest on transfers
2.0% transfer fee
17.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).
0% balance transfer 0% purchase no annual fee
Halifax 28 Month Balance Transfer

Halifax 28 Month Balance Transfer

  • 0% on Balance Transfers for the first 28 months
  • 0% on Purchases is for the first 12 months
  • 1.5% Balance transfer fee applies in the first 90 days, 3% fee applies thereafter
more info
28 months 0% interest on transfers
1.5% transfer fee
12 months 0% interest on purchases
18.9% APR Representative (variable)
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).
0% purchase
Santander Purchase Credit Card MasterCard

Santander Purchase Credit Card MasterCard

  • 18 months 0% on purchases
  • 9 months 0% on balance transfers with 3% fee
  • Manage your account online or with Santander app
  • No annual fee
more info
9 months 0% interest on transfers
3.0% transfer fee
18 months 0% interest on purchases
18.9% APR Representative (variable)
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).
low apr
TSB Advance MasterCard

TSB Advance MasterCard

  • 11.9% APR variable
  • 12 months 4.9% on balance transfers (3% fee)
  • 6 months 0% on purchases
more info
12 months 4.9% interest on transfers
3.0% transfer fee
6 months 0% interest on purchases
11.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 11.95% (variable) per annum, your representative APR is 11.9% APR (variable).
low apr
Bank of Scotland Online Low Rate Credit Card

Bank of Scotland Online Low Rate Credit Card

  • One rate for both balance transfers and purchases
  • Low representative rate of 6.4% APR (variable)
  • 0% fee on balance transfers within the first 90 days (3% fee applies)
more info
6.4% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 6.45% (variable) per annum, your representative APR is 6.4% APR (variable).
2014 award winner 0% balance transfer 0% purchase cashback
Nationwide Select Low Balance Transfer Fee Visa

Nationwide Select Low Balance Transfer Fee Visa

  • Nationwide main current account customers only
  • 15 months 0% on purchases
  • 15 months 0% on balance transfers (0.55% fee)
  • 0.5% cashback on all purchases
  • No foreign transaction fees
  • No annual fee
more info
15 months 0% interest on transfers
0.55% transfer fee
15 months 0% interest on purchases
15.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
2014 award winner market leading 0% balance transfer 0% purchase reward instant decision
No Balance Transfer Fee Tesco Clubcard Credit Card

No Balance Transfer Fee Tesco Clubcard Credit Card

  • No balance transfer fee
  • 12 months 0% on purchases & balance transfers (0% fee)
  • 5 Clubcard points for every £4 spent in Tesco
  • 1 Clubcard point for every £4 spent everywhere else
  • Application decision in 60 seconds
more info
12 months 0% interest on transfers
0.0% transfer fee
12 months 0% interest on purchases
18.9% APR Representative (variable)
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).
reward travel airline
TSB Premier Avios Amex/MasterCard

TSB Premier Avios Amex/MasterCard

  • Up to 1.25 Avios points for every £1 spent
  • Double Avios points when spending abroad
  • Companion ticket when you spend £15,000 in one year
  • 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider
  • MasterCard and American Express cards
  • £50 annual fee
more info
6 months 0% interest on transfers
3.0% transfer fee
23.7% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 13.95% (variable) per annum, with a £50 monthly fee, your representative APR is 23.7% APR (variable).
bad credit credit building no annual fee
Vanquis Bank Aquis Visa

Vanquis Bank Aquis Visa

  • Up to 56 days interest free on purchases
  • SMS and online account management
  • Designed to help build your credit rating
more info
29.8% APR Representative (variable)
Apply
Representative example: When you spend £1,000 at a rate of 29.84% (variable) per annum, your representative APR is 29.8% APR (variable).
bad credit travel cashback credit building
aqua Reward MasterCard

aqua Reward MasterCard

  • 0.5% cashback on all purchases
  • Unlimited access to your credit report
  • No foreign transaction fees
  • Up to 51 days interest free credit
  • Credit limit increase possible after 4 months
more info
34.9% APR Representative (variable)
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).
0% balance transfer 0% purchase
Lloyds Bank Online Platinum 18 Month Balance Transfer MasterCard

Lloyds Bank Online Platinum 18 Month Balance Transfer MasterCard

  • 18 months 0% on balance transfers made in first 90 days
  • 2% transfer fee (first 3 months), 3% balance thereafter
  • 16 months 0% on purchases
more info
18 months 0% interest on transfers
2.0% transfer fee
16 months 0% interest on purchases
18.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).
low apr
RBS Clear Rate Platinum Credit Card MasterCard

RBS Clear Rate Platinum Credit Card MasterCard

  • 6.9% rate for balance transfers and purchases
  • No balance transfer fees
  • £24 annual fee
more info
11.1% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 6.7% (variable) per annum, with a £24 annual fee, your representative APR is 11.1% APR (variable).
2014 award winner reward travel airline instant decision
The Starwood Preferred Guest® Credit Card from American Express

The Starwood Preferred Guest® Credit Card from American Express

  • 1 Starpoint for every £1 spent
  • Redeem points on flights and luxury hotels
  • 10,000 bonus Starpoints when you spend £1,000 in your first 3 months
  • Free Weekend Night Award when you spend £25,000 in one year
  • £75 annual fee
  • Application response in 60 seconds
more info
36.2% APR Representative (variable)
Apply
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).
bad credit no annual fee
Black Diamond Credit Card by Vanquis

Black Diamond Credit Card by Vanquis

  • Up to 56 days interest free credit on purchases
  • Credit limit increases up to a maximum of £3,000
  • Designed to help build your credit rating
more info
59.9% APR Representative (variable)
Apply
Representative example: When you spend £250 at a rate of 59.94% (variable) per annum, your representative APR is 59.9% APR (variable).
cashback
NatWest Cashback Plus Credit Card MasterCard

NatWest Cashback Plus Credit Card MasterCard

  • 1% cashback on all supermarket shopping
  • 1% cashback on selected retailers
  • 0.5% cashback on all other purchases
more info
17.4% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, with a £24 annual fee, your representative APR is 17.4% APR (variable).
2014 award winner reward instant decision
American Express Nectar Credit Card

American Express Nectar Credit Card

  • 20,000 Nectar points (worth £100) welcome offer to spend with Nectar partners
  • Up to 4 points per £1 with Nectar partners
  • 2 points per £1 spent elsewhere
  • First year of card membership with £0 annual fee, £25 thereafter (T&Cs apply)
  • Application response in 60 seconds
more info
25.0% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £25 monthly fee, your representative APR is 25.0% APR (variable).
Charge Card 2014 award winner new release reward travel airline
American Express Preferred Rewards Gold Card

American Express Preferred Rewards Gold Card

  • Earn two points for virtually every £1 spent at major petrol stations and supermarkets in your first year
  • Two complimentary airport VIP lounge passes every year
  • Earn two points on almost all your spend made while abroad
  • £0 annual fee in the first year
more info
Apply
Charge card: No interest charges. Balance must be paid in full each month. Annual fee of £125 applies.
new release bad credit credit building
aqua Start

aqua Start

  • Text reminders to help you stay in control
  • Designed to help build your credit rating
  • Unlimited access to your credit report
more info
49.9% APR Representative (variable)
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Representative example: When you spend £300 at a rate of 49.9% (variable) per annum, your representative APR is 49.9% APR (variable).
bad credit credit building travel
aqua Advance Credit Card

aqua Advance Credit Card

  • Possibility to reduce APR to 19.9% if you pay on time
  • Unlimited access to your credit report
  • Up to 51 days interest free credit
  • No foreign transaction fees
more info
34.9% APR Representative (variable)
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Representative example: When you spend £1,200 at a rate of 34.91% (variable) per annum, your representative APR is 34.9% APR (variable).
cashback
RBS Cashback Plus Credit Card MasterCard

RBS Cashback Plus Credit Card MasterCard

  • 1% cashback on all supermarket shopping
  • 1% cashback on selected retailers
  • 0.5% cashback on all other purchases
more info
17.4% APR Representative (variable)
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Representative example: When you spend £1,200 at a rate of 12.2% (variable) per annum, with a £24 annual fee, your representative APR is 17.4% APR (variable).
low apr
NatWest Clear Rate Platinum Credit Card MasterCard

NatWest Clear Rate Platinum Credit Card MasterCard

  • 6.9% rate for balance transfers and purchases
  • No balance transfer fees
  • £24 annual fee
more info
11.1% APR Representative (variable)
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Representative example: When you spend £1,200 at a rate of 6.9% (variable) per annum, with a £24 annual fee, your representative APR is 11.1% APR (variable).
bad credit credit building instant decision
Capital One Classic MasterCard

Capital One Classic MasterCard

  • Designed to help build your credit rating
  • Apply and get a response in 60 seconds
  • Fraud protection (no internet fraud liability)
more info
34.9% APR Representative (variable)
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Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your representative APR is 34.9% APR (variable).
0% balance transfer 0% purchase
Halifax All in One

Halifax All in One

  • 19 months 0% on balance transfers made in first 90 days
  • 2% transfer fee (first 3 months), 3% thereafter
  • 16 months 0% on purchases
more info
19 months 0% interest on transfers
2.0% transfer fee
16 months 0% interest on purchases
18.9% APR Representative (variable)
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).
2014 award winner 0% balance transfer travel
Nationwide Balance Transfer Low Fee

Nationwide Balance Transfer Low Fee

  • 15 months 0% on balance transfers
  • Low 0.65% Balance Transfer fee (within 3 months)
  • 3 months 0% on purchases
  • Commission-free allowance abroad
more info
15 months 0% interest on transfers
0.65% transfer fee
3 months 0% interest on purchases
17.9% APR Representative (variable)
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Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).
reward travel airline 0% balance transfer 0% purchase
Lloyds Bank Premier Avios Rewards Amex/MasterCard

Lloyds Bank Premier Avios Rewards Amex/MasterCard

  • 1.5 Avios for every £1 spent
  • Double Avios in your first 6 months
  • No foreign transaction fees
  • £140 annual fee
more info
18 months 0% interest on transfers
3.0% transfer fee
16 months 0% interest on purchases
52.1% APR Representative (variable)
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Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £140 monthly fee, your representative APR is 52.1% APR (variable).
2014 award winner 0% purchase travel
Nationwide Credit Card Purchase Visa

Nationwide Credit Card Purchase Visa

  • 15 months 0% on purchases
  • Commission-free allowance abroad
  • Access to exclusive deals with Simply Rewards
more info
15 months 0% interest on purchases
17.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).
bad credit
Vanquis Bank Visa

Vanquis Bank Visa

  • Up to 56 days interest free on purchases
  • SMS and online account management
  • Designed to help rebuild a poor credit rating
more info
39.9% APR Representative (variable)
Apply
Representative example: When you spend £1,000 at a rate of 39.94% (variable) per annum, your representative APR is 39.9% APR (variable).
0% balance transfer no annual fee
Barclaycard Platinum 33 Month Balance Transfer Visa

Barclaycard Platinum 33 Month Balance Transfer Visa

  • 33 months 0% on balance transfers
  • 2.79% balance transfer fee after refund from 3.5%
  • 9 months 0% on purchases
more info
33 months 0% interest on transfers
2.79% transfer fee
9 months 0% interest on purchases
18.9% APR Representative (variable)
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).
new release 0% balance transfer 0% purchase
Bank of Scotland Platinum Online 18 Month Balance Transfer MasterCard

Bank of Scotland Platinum Online 18 Month Balance Transfer MasterCard

  • 18 months 0% on balance transfers made in first 90 days
  • 2% transfer fee (first 3 months), 3% thereafter
  • 16 months 0% on purchases
more info
18 months 0% interest on transfers
2.0% transfer fee
16 months 0% interest on purchases
18.9% APR Representative (variable)
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).
2014 award winner 0% balance transfer travel
Nationwide Credit Card with Balance Transfer

Nationwide Credit Card with Balance Transfer

  • 26 months 0% on balance transfers
  • 2.4% balance transfer fee
  • 3 months 0% on purchases
  • Commission-free allowance abroad
more info
26 months 0% interest on transfers
2.4% transfer fee
3 months 0% interest on purchases
17.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).
0% balance transfer
Santander Credit Card

Santander Credit Card

  • 29 months 0% on balance transfers
  • 3% balance transfer fee
more info
29 months 0% interest on transfers
3.0% transfer fee
3 months 0% interest on purchases
18.9% APR Representative (variable)
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).
0% balance transfer 0% purchase
TSB Platinum Purchase MasterCard

TSB Platinum Purchase MasterCard

  • 13 months 0% on purchases
  • 13 months 0% on balance transfers (1% fee)
  • ClickSafe internet fraud protection
  • Manage your credit card and current account together
more info
13 months 0% interest on transfers
1.0% transfer fee
13 months 0% interest on purchases
17.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).
new release 0% balance transfer reward travel airline money transfer
Emirates Skywards Elite Credit Card

Emirates Skywards Elite Credit Card

  • 25,000 Bonus Skyward Miles if you spend £2,000 within 90 days of account opening
  • 0% on money and balance transfers for up to 6 months from the date your account is opened, 2% handling fee (£3 min)
  • 0% on Emirates flights for up to 12 months from the date your account is opened
more info
6 months 0% interest on transfers
2.0% transfer fee
54.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, with a £150 annual fee, your representative APR is 54.9% APR (variable).
0% balance transfer 0% purchase no annual fee
Barclaycard Platinum Purchase & Balance Transfer Visa

Barclaycard Platinum Purchase & Balance Transfer Visa

  • 14 months 0% on purchases
  • 19 months 0% on balance transfers
  • 2.49% balance transfer fee
more info
19 months 0% interest on transfers
2.49% transfer fee
14 months 0% interest on purchases
18.9% APR Representative (variable)
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).
0% balance transfer
Santander 17 Month Balance Transfer Credit Card MasterCard

Santander 17 Month Balance Transfer Credit Card MasterCard

  • 17 months 0% on balance transfers
  • 0.9% balance transfer fee
more info
17 months 0% interest on transfers
0.9% transfer fee
3 months 0% interest on purchases
18.9% APR Representative (variable)
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).
2014 award winner 0% balance transfer reward
Tesco Bank Clubcard Credit Card for 25m Balance Transfer

Tesco Bank Clubcard Credit Card for 25m Balance Transfer

  • 25 months 0% on balances transfers (1.99% fee)
  • 5 Clubcard points for every £4 spent in Tesco
  • 1 Clubcard point for every £4 spent everywhere else
  • Application decision in 60 seconds
more info
25 months 0% interest on transfers
1.99% transfer fee
3 months 0% interest on purchases
18.9% APR Representative (variable)
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).
0% balance transfer 0% purchase
Halifax 15 Month Balance Transfer

Halifax 15 Month Balance Transfer

  • 15 months 0% on balance transfers made in first 90 days
  • 0.8% transfer fee (first 3 months), 3% thereafter
  • 15 months 0% on purchases
  • Halifax Secure cover against online fraud and transactions
more info
15 months 0% interest on transfers
0.8% transfer fee
15 months 0% interest on purchases
17.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).
0% balance transfer 0% purchase
Halifax 10 Month Balance Transfer and Purchase Credit Card MasterCard

Halifax 10 Month Balance Transfer and Purchase Credit Card MasterCard

  • 10 months 0% on balance transfers made in first 90 days
  • 0.4% transfer fee (first 3 months), 3% thereafter
  • 10 months 0% on purchases
more info
10 months 0% interest on transfers
0.4% transfer fee
10 months 0% interest on purchases
18.9% APR Representative (variable)
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).
0% balance transfer money transfer
Fluid Low Fee Balance Transfer Card

Fluid Low Fee Balance Transfer Card

  • Low balance transfer fee
  • 3 months 0% on purchases
  • Pre-application eligibility technology protects your credit rating
more info
10 months 0% interest on transfers
0.35% transfer fee
3 months 0% interest on purchases
19.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).
0% balance transfer 0% purchase reward
Lloyds Bank Choice Rewards Amex/MasterCard

Lloyds Bank Choice Rewards Amex/MasterCard

  • Double rewards for the first 6 months on Amex cards
  • Turn points into cashback, vouchers or Avios
  • £24 annual fee
more info
18 months 0% interest on transfers
3.0% transfer fee
16 months 0% interest on purchases
23.7% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £24 monthly fee, your representative APR is 23.7% APR (variable).
0% balance transfer
Bank of Scotland Platinum 33 Month Balance Transfer

Bank of Scotland Platinum 33 Month Balance Transfer

  • 33 months 0% on balance transfers made in first 90 days
  • 2.85% transfer fee for the first 3 months, 3% thereafter (the 3% initial fee applies, LBG will refund 0.2% within 90 days)
  • 6 months 0% on purchases
more info
33 months 0% interest on transfers
2.85% transfer fee
6 months 0% interest on purchases
18.9% APR Representative (variable)
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).
0% balance transfer 0% purchase
Lloyds Bank 28 Month Balance Transfer MasterCard

Lloyds Bank 28 Month Balance Transfer MasterCard

  • 0% on Balance Transfers for the first 28 months
  • 0% on Purchases is for the first 12 months
  • 1.5% Balance transfer fee applies in the first 90 days, 3% fee applies thereafter
more info
28 months 0% interest on transfers
1.5% transfer fee
12 months 0% interest on purchases
18.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
Lloyds Bank Platinum 10 Month Balance Transfer Card

Lloyds Bank Platinum 10 Month Balance Transfer Card

  • 0 months 0% on balance transfers made in first 90 days
  • 0.4% transfer fee (first 3 months), 3% thereafter
  • 10 months 0% on purchases
more info
10 months 0% interest on transfers
0.4% transfer fee
10 months 0% interest on purchases
18.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer
TSB Online Platinum 28 Month BT MasterCard

TSB Online Platinum 28 Month BT MasterCard

  • 28 months 0% on balance transfers
  • 3% balance transfer fee
more info
28 months 0% interest on transfers
3.0% transfer fee
3 months 0% interest on purchases
18.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).

uSwitch is authorised and regulated by the Financial Conduct Authority (FSA FRN 312850) to provide this credit card comparison service.

uSwitch services are provided at no cost to you, but we may receive compensation from some of the providers.

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.

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.

Compare credit cards

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 to help you find great credit card deals.

Types of credit card in the UK

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:

Credit card comparison

Credit card comparison tools can help you identify the best credit cards in the UK but it all comes down to your circumstances and what works for you. That means, finding the best 0% credit cards or the best high income credit cards on the market is not as straightforward as it seems. Compare the market's credit cards and get the right credit card deals for you. You can use our credit card comparison tables above to see our most popular credit card offers.