Skip to main content

Compare credit cards

Looking for a 0% balance transfer credit card, an interest-free credit card, a rewards card, or a card for bad credit? We compare credit cards, suggesting our picks for the best credit cards to suit your needs.

Check your eligibility for credit cards

  • 1Improve your chances of being accepted
  • 2It won't affect your credit score
  • 3It's quick, free and easy
70 results found, sorted by longest balance transfer period.
Sort

What is a credit card?

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

The credit card provider sets a limit on how much you can spend on the card based on your financial circumstances.

When you reach that limit, you can't use the card until you have paid off some of the balance.

There's no set time to pay off the debt, but there's a minimum monthly amount you need to pay back to avoid penalties, however, you're free to pay off more than that.

And short-term borrowing is interest-free if you pay off the balance in full each month.

Credit cards can be of great benefit to some when used responsibly. However, missing payments or using all of your credit limit can impact your credit score.

The difference between a debit card and credit card

Debit card

Your debit card will allow you to spend money that you have placed in your personal bank account.

It may have an overdraft attached, which will allow you to spend over the amount in your account usually for a fee

Credit card

A credit card is a loan from the bank, which you pay back with an agreed interest fee for repayments depending on when you clear the balance. Credit cards come with credit limits, meaning you can't spend more than is available to you.

How credit cards work


Different credit cards have different benefits as well as interest rates, but the underlying idea is the same.

Credit cards allow you to borrow money at a set rate of interest - known as the APR or Annual Percentage Rate - up to a limit determined by the provider.

You generally get about 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.

Section 75

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

Find the credit card that's right for you

It's quick, free and easy

How to choose the right credit card for you

Consider your needs

  • Built up debts?

If you've build up debts on other cards, and want to save money on interest payments, a 0% balance transfer could work well.

  • Travelling?

If you're heading abroad soon, an overseas travel credit card could make your holiday cheaper.

  • Making large purchases?

If you're looking to furnish a new flat, a 0% purchase card could let you spread the cost without paying interest.

The good news is you can have more than one card at once, to be used as you need it.

The bad news is applying for a lot of cards at once could hurt your credit rating, while other lenders can be spooked if you have too many, making you look like a liability.

The right credit card is the one that's best at meeting a specific need you have.

How to apply for a credit card


Choosing a credit card is a big commitment, and one that deserves great time and attention

  • Compare credit cards to find the right one for you. It's worth using an eligibility checker to work out your chances of getting it.

  • You must be at least 18 years old to get a credit card, but whether or not you can get one ultimately depends on your financial situation.

  • If you've never borrowed money before or have a poor credit rating, credit card providers may still give you a card, but perhaps with a low spending limit, or a short interest-free period.

After deciding what you'll apply for, the process for a credit card application typically looks like this:

  • Apply online for a credit card (approximately 5 minutes)

  • Wait for a response to see if your application has been approved or rejected (could be as quick as one minute or as long as two weeks)

  • If you've been approved, wait for your credit card to arrive in the post (usually takes 5-10 business days)

  • You may need to register the card online or call up the provider to activate before you can use it (a couple of minutes)

Types of credit card

You can get a credit card for a wide range of uses, far beyond the basics of simply making purchases and paying for them later.

For example, you can use credit cards to help pay off other debts using balance transfer or money transfer credit cards. Or you can use them to collect rewards and cashback, spend money cheaply abroad or improve your credit score.

Credit card FAQs

What is a credit card?

Read our guide to learn how a credit card differs from a loan, and how to responsibly use one.

Section 75 - What is credit card protection?

For many people using a credit card can offer great benefits. A key perk of owning a credit card is the protection you're given with Section 75.

How to pay off credit card debt

Here is our step-by-step guide to help you pay off credit card debt, rebuild your credit score and regain your financial health.

Debt help

Debt can often cause stress and anxiety, our debt help guides provide tips and resources, to get back on track with your finances.

Help is at hand

Check your eligibility for credit cards

  • 1Improve your chances of being accepted
  • 2It won't affect your credit score
  • 3It's quick, free and easy

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.