Your cookie preferences


We use cookies and similar technologies. You can use the settings below to accept all cookies (which we recommend to give you the best experience) or to enable specific categories of cookies as explained below. Find out more by reading our Cookie Policy.

Select cookie preferences

Skip to main content

Compare credit cards

Get the flexibility you need with a credit card

Find deals with 0% interest, rewards on spending, or cards aimed for those with bad credit

If you know what card you need

Enter a few details about yourself and find the cards you're most likely to be accepted for
Last updated
January 30th, 2024
57 results found, sorted by longest balance transfer period.

Barclaycard Platinum Balance Transfer (28 Mths)

Representative APR (variable)
24.9%APR
Interest on balance transfers
0%for28months with a3.45%fee
Interest on purchases
24.9%p.a. variable
Representative example:
The standard interest rate on purchases is 24.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.9% (variable).
More Information
Additional information
  • Earn up to 15% cashback automatically when you spend at a range of participating retailers with Barclaycard Cashback Rewards. This is a new benefit, available to all Barclaycard Visa credit card customers. T&Cs apply.
Eligibility
  • be a permanent UK resident
  • be 21 years or over
  • not have had any Individual Voluntary arrangements, County Court Judgements and must not have been declared bankrupt
  • not already hold a Barclaycard credit card
  • best suited to customers with an income of £20,000
  • additional criteria for acceptance from the lender may apply

Virgin Money Balance Transfer Credit Card (27 Mths) (24.9%)

Representative APR (variable)
24.9%APR
Interest on balance transfers
0%for27months with a3.25%fee
Interest on purchases
0%for3months
Representative example:
The standard interest rate on purchases is 24.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.9% (variable).
More Information
Additional information
  • Virgin Money Cashback offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
  • 27 months 0% on balance transfers ( 3.25% transfer fee)
  • 12 months 0% on money transfers ( 4% transfer fee)
  • 3 months 0% on purchases
Eligibility
  • be 18 or older
  • be a UK resident
  • have a good credit history
  • no balance transfers from Clydesdale Bank PLC
  • additional criteria for acceptance from the lender may apply

Virgin Money Balance Transfer Credit Card (27 Mths) (27.9%)

Representative APR (variable)
27.9%APR
Interest on balance transfers
0%for27months with a3.5%fee
Interest on purchases
0%for3months
Representative example:
The standard interest rate on purchases is 27.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 27.9% (variable).
More Information
Additional information
  • Virgin Money Cashback offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
  • 27 months 0% on balance transfers ( 3.5% transfer fee)
  • 12 months 0% on money transfers ( 4% transfer fee)
  • 3 months 0% on purchases
Eligibility
  • be 18 or older
  • be a UK resident
  • have a good credit history
  • no balance transfers from Clydesdale Bank PLC
  • additional criteria for acceptance from the lender may apply

Santander Everyday Long Term Balance Transfer Credit Card

Representative APR (variable)
23.9%APR
Interest on balance transfers
0%for26months with a3%fee (£5 min.)
Interest on purchases
0%for3months
Representative example:
The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
More Information
Additional information
  • 0% for 26 months on balance transfers, 3% balance transfer fee (minimum £5)
  • 0% for 3 months on purchases
Eligibility
  • be a permanent UK resident
  • be 18 or older
  • minimum income of £10,500
  • have a good credit rating
  • must not be an existing Santander balance transfer credit card customer
  • additional criteria for acceptance from the lender may apply

M&S Bank Transfer Plus Credit Card

Representative APR (variable)
24.9%APR
Interest on balance transfers
0%for26months with a3.49%fee (£5 min.)
Interest on purchases
0%for3months
Representative example:
The standard interest rate on purchases is 24.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.9% (variable).
More Information
Additional information
  • 0% on balance transfers for 26 months, available for 90 days from account opening (3.49% fee applies, minimum £5)
  • Collect one point per £1 spent at M&S online and in-store. Collect one point per £5 spent elsewhere and abroad. You will be rewarded in vouchers to spend at M&S
  • 0% on shopping for 3 months
Eligibility
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident
  • have an annual income/pension of at least £6,800
  • additional criteria for acceptance from the lender may apply

Tesco Bank Balance Transfer Credit Card

Representative APR (variable)
24.9%APR
Interest on balance transfers
0%for24months with a2.75%fee
Interest on purchases
24.942%p.a. variable
Representative example:
The standard interest rate on purchases is 24.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.9% (variable).
More Information
Additional information
  • 0% interest on balance transfers for 24 months from account opening, with a 2.75% transfer fee.
  • You might get a different interest rate from those shown here, because these depend on your circumstances
  • Balance transfers must be made within the first 90 days to get the promotional offer. You can transfer up to 95% of your available credit limit. You can't transfer a balance from another card issued by Tesco Bank
  • Collect Tesco Clubcard points almost everywhere you use your card, on top of your usual Clubcard points in Tesco. Minimum spend applies.
Eligibility
  • be a UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • hold no more than one Tesco Bank Credit Card
  • have an annual income of at least £5,000
  • additional criteria for acceptance from the lender may apply

Royal Bank of Scotland Longer Balance Transfer Credit Card

Representative APR (variable)
24.9%APR
Interest on balance transfers
0%for23months with a3.49%fee
Interest on purchases
0%for3months
Representative example:
The standard interest rate on purchases is 24.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.9% (variable).
More Information
Additional information
  • 0% for 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
  • 0% on purchases for 3 months from account opening, there after standard rates apply
  • 3.49% balance transfer fee
  • Balance transfers are limited to 95% of your available credit limit. The minimum balance transfer amount is £100
  • You can transfer your balance from most credit cards and store cards, but not other NatWest Group cards
Eligibility
  • be a UK resident
  • be 18 or older
  • Earning at least £10K per year
  • Your credit limit and APR are subject to status
  • Interest is payable in line with RBS/NW T&Cs. Balance transfers limits apply
  • No transfers from other NatWest Group cards

NatWest Longer Balance Transfer Credit Card

Representative APR (variable)
24.9%APR
Interest on balance transfers
0%for23months with a3.49%fee
Interest on purchases
0%for3months
Representative example:
The standard interest rate on purchases is 24.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.9% (variable).
More Information
Additional information
  • 0% for 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
  • 0% on purchases for 3 months from account opening, there after standard rates apply
  • 3.49% balance transfer fee
Eligibility
  • be a UK resident
  • be 18 or older
  • Earning at least £10K per year
  • Your credit limit and APR are subject to status
  • Interest is payable in line with RBS/NW T&Cs. Balance transfers limits apply
  • No transfers from other NatWest Group cards
Uswitch Limited is a credit broker, not a lender, for consumer credit.
Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

What is a credit card?

A woman is holding a credit card and paying on a contactless machine

Credit cards are a flexible way of borrowing money to pay for goods or services.

The credit card provider sets a limit on how much you can spend on the card, as well as the interest you’ll be charged on your borrowing, based on your financial circumstances.

Average number of credit cards per adult in the UK[1]
1.7

How do credit cards work?

Every month you’re billed for the debt you’ve accumulated on your credit cards, which is known as the balance. 

You have a few options on how much you pay back. There's a minimum monthly amount you need to pay back to avoid penalties, usually that’s a fixed amount or a percentage of your balance.

The remaining balance will be rolled over to next month’s billing cycle and you’ll be charged interest based on the APR that you were offered when your application was approved.

You can pay any amount over the minimum back too - which reduces the amount of money you'll be charged interest on. If you pay off the full balance, you won't be charged any interest.

You generally get up to 56 days between buying something and interest being charged, which means if you pay off your balance in full each month, they're effectively free to use.

Credit cards are most useful when used responsibly. Make sure to always pay the minimum payment to avoid extra charges.

How Section 75 protects your credit card spending

There's an additional benefit to spending on a credit card rather than a debit card or with cash too.

Thanks to Section 75 of the Consumer Credit Act, if you're buying something costing over £100 and up to £30,000 using a credit card to pay for any part of it, the card provider is held jointly liable if things go wrong.

That means you can apply to them for a refund (for the full purchase amount) if the seller lets you down - especially useful for things like holidays and purchases abroad, where you might not have the same rights to refunds as you have in the UK.

Read our guide about Section 75 to find out more.

What Brits are buying with their credit cards
Based on weekly spending

Types of credit cards

Balance transfer credit cards

Balance transfer credit cards allow you to transfer debt from one credit card provider to another and pay no interest on that debt for a set period.

Some of the leading deals give you 0% interest for as long as two years or even more.

You'll generally have to pay a balance transfer fee if you want a longer 0% period, which is a percentage of the total debt you are transferring. Typically, the longer the offer period, the higher the fee will be, but it's generally between 1% and 4%.

0% purchase credit cards

With a 0% purchase credit card, no interest is charged on debt built up through new purchases you make on the card for a set period - although you still have to at least pay back the minimum amount requested each month.

That means as long as you clear the full amount before the 0% period ends, you can effectively borrow money for free. Just make sure you do pay off the debt within the offer period, or you could get stung with high interest rates on anything left on the card.

Money transfer credit cards

Money transfer credit cards allow you to transfer cash into your current account. This means you can pay off any kind of debt or spend as you see fit. Money transfer cards are typically used to pay off expensive overdrafts or as a cheap loan.

Similar to a 0% balance transfer credit card, money transfer credit cards come with a 0% interest offer periods. So, you can repay the balance without paying interest over a year or two...or sometimes longer depending on the card you get approved for.

But while there might be no interest for a set period, money transfer cards nearly always come with a fee attached, with 4% of the money taken out typical.

Credit building and bad credit credit cards

If you have a poor credit score or little credit history, you might still be able to get a credit building or bad credit credit card. These credit cards are aimed at those with a less than perfect credit history and can help customers improve their credit score.

Each time you make a debt repayment it shows up on your credit report, helping improve your score. Credit building credit cards encourage you to make debt repayments in full and on time because they have low credit limits and high interest rates.

Travel credit cards

Travel credit cards let you can make purchases overseas without having to pay the foreign transaction fees charged by standard credit and debit cards.

Travel abroad credit cards use the payment issuer's exchange rate (Mastercard or Visa exchange rate) to work out the price in pounds, without adding any extra on top.

This means you also get one of the best exchange rates possible - with the added bonus of protecting your purchases thanks to Section 75 of the Consumer Credit Act.

Cashback and reward credit cards

Some credit cards give you rewards or cashback on purchases. They usually have much higher interest rates than other cards and often charge annual fees. Reward credit cards available offer air miles, where you collect points to spend on flights and travel with every purchase you make, and supermarket loyalty points.

Cashback credit cards give you back a percentage of the money you've spent on them as cash into your account. You can later withdraw it or use it to pay back some of your credit card balance.

Types of credit cards

Balance transfer credit cards

Balance transfer credit cards allow you to transfer debt from one credit card provider to another and pay no interest on that debt for a set period.

Some of the leading deals give you 0% interest for as long as two years or even more.

You'll generally have to pay a balance transfer fee if you want a longer 0% period, which is a percentage of the total debt you are transferring. Typically, the longer the offer period, the higher the fee will be, but it's generally between 1% and 4%.

0% purchase credit cards

With a 0% purchase credit card, no interest is charged on debt built up through new purchases you make on the card for a set period - although you still have to at least pay back the minimum amount requested each month.

That means as long as you clear the full amount before the 0% period ends, you can effectively borrow money for free. Just make sure you do pay off the debt within the offer period, or you could get stung with high interest rates on anything left on the card.

Money transfer credit cards

Money transfer credit cards allow you to transfer cash into your current account. This means you can pay off any kind of debt or spend as you see fit. Money transfer cards are typically used to pay off expensive overdrafts or as a cheap loan.

Similar to a 0% balance transfer credit card, money transfer credit cards come with a 0% interest offer periods. So, you can repay the balance without paying interest over a year or two...or sometimes longer depending on the card you get approved for.

But while there might be no interest for a set period, money transfer cards nearly always come with a fee attached, with 4% of the money taken out typical.

Credit building and bad credit credit cards

If you have a poor credit score or little credit history, you might still be able to get a credit building or bad credit credit card. These credit cards are aimed at those with a less than perfect credit history and can help customers improve their credit score.

Each time you make a debt repayment it shows up on your credit report, helping improve your score. Credit building credit cards encourage you to make debt repayments in full and on time because they have low credit limits and high interest rates.

Travel credit cards

Travel credit cards let you can make purchases overseas without having to pay the foreign transaction fees charged by standard credit and debit cards.

Travel abroad credit cards use the payment issuer's exchange rate (Mastercard or Visa exchange rate) to work out the price in pounds, without adding any extra on top.

This means you also get one of the best exchange rates possible - with the added bonus of protecting your purchases thanks to Section 75 of the Consumer Credit Act.

Cashback and reward credit cards

Some credit cards give you rewards or cashback on purchases. They usually have much higher interest rates than other cards and often charge annual fees. Reward credit cards available offer air miles, where you collect points to spend on flights and travel with every purchase you make, and supermarket loyalty points.

Cashback credit cards give you back a percentage of the money you've spent on them as cash into your account. You can later withdraw it or use it to pay back some of your credit card balance.

Pros and cons

Pros

Flexibility to spread the cost of purchases over time
Earn rewards such as pints, cash back or airline miles
Help to build credit when used wisely
Extra protection on purchases for when things go wrong
Useful back up for emergency expenses

Cons

Can be easy to accumulate high interest debt
Accrue interest when not paid in full
Annual fees, late fees, and others may apply
Available credit can give temptation to overspend

How to apply for a credit card

You must be at least 18 years old and a UK resident to get a credit card, but whether or not you are accepted for your chosen card depends on your financial situation. After deciding what you'll apply for, the process for a credit card application looks like this:

Apply online for a credit card, entering a few details about yourself

Wait for a response to see if your application has been approved or rejected

If you've been approved, wait for your credit card to arrive in the post

Register the card online or call up the provider to activate it

Start spending online and in store or add it to your Apple Pay or Google Pay account

Before applying for a credit card, understand your financial habits, compare terms, fees, and rewards. Choose wisely to build credit responsibly and maximise benefits.

FAQs

What you need to apply for a credit card

In terms of what you will need to provide, it's generally quite straightforward. Questions you can expect on a credit card application include:

  • Your name

  • Contact information

  • Date of birth

  • Address and how long you have lived there

  • Residential status (tenant, owner, living with parents, etc)

  • Your annual income

On a balance transfer or money transfer credit card application, you will need to have the details of the other accounts you are transferring to your new credit card.


How many credit cards should I have?

There’s no prescribed number of credit cards you should have. It all depends on your personal circumstances. Conventional wisdom suggests that it’s a good idea for most people to have at least two credit cards. One for everyday spending that helps earn rewards or cashback, which you’d preferably pay off in full every month. Another which you keep for emergencies, to pay for unexpected expenses such as car repairs, or having to travel at short notice. 


What's the difference between a credit card and a debit card?

While physically they might look and operate the same way, the difference is in the source of funds the card is using. A credit card allows users to borrow money up to a predetermined limit, which you pay back with interest if not paid in full every month.

Debit cards, on the other hand, are linked to your account and directly deduct funds for purchases, requiring sufficient balance without incurring interest.

How do you cancel a credit card?

To cancel a credit card you no longer wish to have, you’ll first have to make sure you pay off any remaining balance on the card. Once you've done that you can contact your credit card provider and ask them to cancel the card. 

Once the card has been cancelled make sure to check your credit report to make sure it’s been reflected on your credit record. This won’t happen right away, so wait a few weeks after you cancel your card to check your credit report. 

Cancelling a credit card can impact your credit score as it’ll affect your credit utilisation, which is the percentage of overall borrowing against your total available credit. A high credit utilisation ratio can lead lenders to think your finances are a bit tight. 


What does 'most popular' mean?

When we use the term ‘most popular or ‘popularity’ on Uswitch in reference to credit cards, these cards are ranked by the number of clicks they have received on the site in the past 48 hours.

The most clicked on cards are at the top, with the least at the bottom. This reflects how popular they are with visitors to Uswitch.com. Consequently, this is a good table to look at if you’re interested in seeing which cards most people think are worth getting.


How Uswitch compares credit cards

What does ‘most popular’ and ‘popularity’ mean?

When we use the term ‘most popular or ‘popularity’ on Uswitch in reference to credit cards, these cards are ranked by the number of clicks they have received on the site in the past 30 days.

The most clicked on cards are at the top, with the least at the bottom. This reflects how popular they are with visitors to Uswitch.com. Consequently, this is a good table to look at if you’re interested in seeing which cards most people think are worth getting.

Does Uswitch compare all the credit cards on the market?

We compare over 100 credit cards from all of the major banks and credit card providers.

However, we do not compare all the credit cards that are available in the UK.

This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through Uswitch.

There are also many credit cards that are only available to people in member organisations and clubs.

Credit card guides

Find out more about how credit cards work with our in-depth guides
How many credit cards can you have?
How many credit cards can you have?
How to use a credit card
How to use a credit card
What are the differences between credit and debit card?
What are the differences between credit and debit card?

About the author

Salman Haqqi
Salman Haqqi has over a decade of experience as a journalist in several countries around the world. In recent years, he has turned his focus to helping people make confident financial decisions and regularly comments in the media about personal finance.

Customer Reviews

Rated 4.7 out of 5
by 23,225 people