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  1. Improve your chances of being accepted
  2. It won't affect your credit score
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Popularity APR Balance transfer Purchases
Sainsbury's Bank No Balance Transfer Fee Credit Card

Sainsbury's Bank No Balance Transfer Fee Credit Card

Sainsbury's Bank No Balance Transfer Fee Credit Card

  • Offer only available until 28 December 2017
  • Up to 10,000 bonus Nectar points. Each time you spend £35 on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply
  • 1.5% transfer fee refunded to 0% within 60 days on transfers made in the first 3 months (3% thereafter, £3 minimum fee)
18.9% APR
Representative (variable)
28
 months
0% interest on transfers
0.0%
Effective transfer fee
3
 months
0% interest on purchases
More info
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
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

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)
Santander All in One Credit Card

Santander All in One Credit Card

Santander All in One Credit Card

  • Monthly fee of £3 applies
  • If you have a 1|2|3 current account Santander will refund the £3 fee for the first 6 months. Terms apply
  • 0.5% cashback on all purchases with no limit to how much you can earn. Terms apply
21.7% APR
Representative (variable)
39
 months
0% interest on transfers
0.0%
Transfer fee
6
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • minimum income of £7,500
  • have a good credit rating
  • No transfers from Santander

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, with a £3 monthly fee, your representative APR is 21.7% APR (variable)
Virgin Money 38 Month Balance Transfer Credit Card

Virgin Money 38 Month Balance Transfer Credit Card

Virgin Money 38 Month Balance Transfer Credit Card

  • 38 months 0% on balance transfers (1.5% transfer fee)
  • 20 months 0% on money transfers (1.9% transfer fee)
  • 3 months 0% on purchases
20.9% APR
Representative (variable)
38
 months
0% interest on transfers
1.5%
Transfer fee
3
 months
0% interest on purchases
More info
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 20.9% (variable) per annum, your representative APR is 20.9% APR (variable)
Barclaycard Platinum 38 Month Balance Transfer

Barclaycard Platinum 38 Month Balance Transfer

Barclaycard Platinum 38 Month Balance Transfer

  • Use your card to pay for rides with Uber and every 11th ride is free. Terms apply, offer only available until Dec 2017
  • 6 months 0% on purchases
  • 3.5% transfer fee refunded to 1.4% within 2 working days
19.9% APR
Representative (variable)
38
 months
0% interest on transfers
1.4%
Effective transfer fee
6
 months
0% interest on purchases
More info
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 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Tesco Bank Clubcard Credit Card for 38 Month Balance Transfer

Tesco Bank Clubcard Credit Card for 38 Month Balance Transfer

Tesco Bank Clubcard Credit Card for 38 Month Balance Transfer

  • Earn Tesco Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • 0% interest periods apply to transfers made within the first 90 days of opening your account
  • 0% interest on money transfers and balance transfers for up to 38 months from account opening (3.94% money transfer fee, 2.69% balance transfer fee)
18.9% APR
Representative (variable)
38
 months
0% interest on transfers
2.69%
Transfer fee
3
 months
0% interest on purchases
More info
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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Sainsburys Nectar Purchase Credit Card

Sainsburys Nectar Purchase Credit Card

Sainsburys Nectar Purchase Credit Card

  • Offer only available until 28 December 2017
  • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply
  • 3% balance transfer fee (£3 minimum fee at all times)
18.9% APR
Representative (variable)
3
 months
0% interest on transfers
3.0%
Transfer fee
31
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • have a permanent UK address
  • be over 18 years of age
  • not have been declined for credit in the last month
  • not have a history of bad credit
  • not be an existing Sainsbury's Bank Credit Card holder

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)
Santander Everyday Credit Card

Santander Everyday Credit Card

Santander Everyday Credit Card

  • 30 months 0% on purchases
  • 30 months 0% on balance transfers with 2.75% transfer fee
  • Manage your account online or with Santander app
18.9% APR
Representative (variable)
30
 months
0% interest on transfers
2.75%
Transfer fee
30
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • minimum income of £7,500
  • must not be an existing Santander balance transfer credit card customer
  • 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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
American Express Platinum Cashback Everyday Credit Card

American Express Platinum Cashback Everyday Credit Card

2017 award winner

American Express Platinum Cashback Everyday Credit Card

  • 5% cashback in your first three months (up to £100)
  • Up to 1% cashback thereafter
22.9% APR
Representative (variable)
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £20,000 or more
  • 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 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
Chrome 24.7% Credit Card

Chrome 24.7% Credit Card

uSwitch exclusive

Chrome 24.7% Credit Card

  • £20 voucher for either Argos, Debenhams or Currys PC World exclusively through uSwitch. Offer ends 30 November 2017, terms apply
  • Possibility to build Credit Limit up to £4000 over time
  • Online servicing, mobile app, SMS and email alerts
24.7% APR
Representative (variable)
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,000 at a rate of 24.7% (variable) per annum, your representative APR is 24.7% 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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