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Check your eligibility for credit cards

  1. Improve your chances of being accepted
  2. It won't affect your credit score
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Popularity APR Balance transfer Purchases
aqua Reward With Cashback

aqua Reward With Cashback

£20 Amazon voucher

aqua Reward With Cashback

  • £20 Amazon gift certificate exclusively through uSwitch (terms apply)
  • 0.5% cashback and no foreign transaction fees
  • Credit limit increase possible after four months
34.9% APR
Representative (variable)
Can I get this card?
?
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 34.91% (variable) per annum, your representative APR is 34.9% APR (variable)
Halifax 41 Month Balance Transfer Credit Card

Halifax 41 Month Balance Transfer Credit Card

Market Leading

2016 award winner

Halifax 41 Month Balance Transfer Credit Card

  • 2.29% effective transfer fee (initial 3% fee, 0.71% refunded after 90 days)
  • 6 months 0% on new purchases
  • You may be eligible to apply for this as a second credit card. Terms apply
18.9% APR
Representative (variable)
41
 months
0% interest on transfers
2.29%
Effective transfer fee
6
 months
0% interest on purchases
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

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)
Lloyds Bank Platinum 40 Month BT MasterCard

Lloyds Bank Platinum 40 Month BT MasterCard

Lloyds Bank Platinum 40 Month BT MasterCard

  • 40 months 0% on balance transfers made in first 90 days
  • 3% transfer fee refunded to 1.69% within 90 days of transaction date
  • Six months 0% on new purchases
18.9% APR
Representative (variable)
40
 months
0% interest on transfers
1.69%
Effective transfer fee
6
 months
0% interest on purchases
Can I get this card?
?
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • 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 18.94% (variable) per annum, your representative APR is 18.9% APR (variable)
Nationwide Select Credit Card

Nationwide Select Credit Card

Nationwide Select Credit Card

  • Nationwide current account customers only
  • 0.5% cashback on all sterling purchases
  • No foreign transaction fees
15.9% APR
Representative (variable)
12
 months
0% interest on transfers
0.0%
Transfer fee
12
 months
0% interest on purchases
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
  • have an income of £5,000 or more
  • be an existing Nationwide current account customer
  • no balance transfers from Nationwide credit cards

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, your representative APR is 15.9% APR (variable)
Virgin 41 Month Balance Transfer Credit Card

Virgin 41 Month Balance Transfer Credit Card

2016 award winner

Virgin 41 Month Balance Transfer Credit Card

  • 41 months 0% for balance transfers (3% transfer fee)
  • 41 months 0% for money transfers (3.8% transfer fee)
  • 3 months 0% on purchases
20.9% APR
Representative (variable)
41
 months
0% interest on transfers
3.0%
Transfer fee
3
 months
0% interest on purchases
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)
MBNA Platinum 43 Month Credit Card

MBNA Platinum 43 Month Credit Card

MBNA Platinum 43 Month Credit Card

  • Up to 43 months 0% on balance transfers (3.29% fee) in first 60 days, 20.9% p.a. and 5% fee thereafter
  • Up to 20 months 0% on money transfers (4% fee) in first 60 days, 22.9% p.a. and 5% fee thereafter
18.9% APR
Representative (variable)
43
 months
0% interest on transfers
3.29%
Transfer fee
Can I get this card?
?
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • eligibility check - see if you qualify without affecting your credit rating. Depending on the results, product details may vary
  • cannot transfer between MBNA accounts

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)
Chrome Credit Card 24.7% APR (variable)

Chrome Credit Card 24.7% APR (variable)

Chrome Credit Card 24.7% APR (variable)

  • New low APR card designed to help improve credit rating
  • Possibility to build Credit Limit up to £4000 over time
  • Online servicing, mobile app, SMS and email alerts
24.7% APR
Representative (variable)
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)
Sainsbury’s Bank 42 month Balance Transfer Credit Card

Sainsbury’s Bank 42 month Balance Transfer Credit Card

Sainsbury’s Bank 42 month Balance Transfer Credit Card

  • Offer only available until 21 May 2017
  • 5,000 bonus Nectar points. Use card 4 times instore in the first month. T&Cs apply
  • 4% balance transfer fee refunded to 2.3% on transfers made in the first 3 months. (3% thereafter, £3 fee minimum at all times)
18.9% APR
Representative (variable)
42
 months
0% interest on transfers
2.3%
Effective transfer fee
3
 months
0% interest on purchases
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

  • 41 months 0% on balance transfers with no balance transfer fee
  • Cashback on all your purchases with no limit to how much you can earn (terms apply)
  • No transaction fees on purchases and cash withdrawals abroad
21.7% APR
Representative (variable)
41
 months
0% interest on transfers
0.0%
Transfer fee
6
 months
0% interest on purchases
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 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)
Halifax 30 Month Purchase Credit Card

Halifax 30 Month Purchase Credit Card

2016 award winner

Halifax 30 Month Purchase Credit Card

  • 30 months 0% on purchases
  • 6 months 0% on balance transfers
  • You may be eligible to apply for this as a second credit card. Terms apply
18.9% APR
Representative (variable)
6
 months
0% interest on transfers
3.0%
Transfer fee
30
 months
0% interest on purchases
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 Halifax Bank

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)
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uSwitch Limited is a credit broker, not a lender, for consumer credit products.

uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

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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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