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Santander Everyday Credit Card

Santander Everyday Credit Card

Santander Everyday Credit Card

  • 27 months 0% on balance transfers from account opening with no transfer fee
  • 3 months 0% on purchases from account opening
  • Manage your account online or with Santander app
18.9% APR
Representative (variable)
27
 months
0% interest on transfers
0.0%
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
  • 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)
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)
30
 months
0% interest on transfers
0.0%
Transfer fee
£3
Monthly 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
  • 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)
Sainsbury’s Bank Dual Credit Card

Sainsbury’s Bank Dual Credit Card

Sainsbury’s Bank Dual Credit Card

  • Sainsbury's Bank may offer a 0% interest period of 26 or 23 months depending on your individual circumstances
  • Up to 7,500 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 750 points. T&Cs apply
  • Balance transfer fee of 3% (minimum £3) at application. The charge will depend on your current offer thereafter.
19.9% APR
Representative (variable)
29
 months
0% interest on transfers
3.0%
Transfer fee
29
 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 19.95% (variable) per annum, your representative APR is 19.9% APR (variable)
M&S Transfer Plus Credit Card

M&S Transfer Plus Credit Card

M&S Transfer Plus Credit Card

  • 28 months 0% on balance transfers made within 90 days (0.99% fee applies, £5 minimum fee)
  • 6 months 0% on purchases
19.9% APR
Representative (variable)
28
 months
0% interest on transfers
0.99%
Transfer fee
6
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident

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 22 Month No Balance Transfer Fee Credit Card

Tesco Bank 22 Month No Balance Transfer Fee Credit Card

Tesco Bank 22 Month No Balance Transfer Fee Credit Card

  • The 0% offer applies to any balances transferred within the first 90 days of opening your account
  • Earn Tesco Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • Online application decision in 60 seconds
19.9% APR
Representative (variable)
22
 months
0% interest on transfers
0.0%
Transfer fee
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 19.941% (variable) per annum, your representative APR is 19.9% APR (variable)
American Express Platinum Cashback Everyday Credit Card

American Express Platinum Cashback Everyday Credit Card

2018 award winner

American Express Platinum Cashback Everyday Credit Card

  • 5% cashback in your first three months (up to £100)
  • Up to 1% cashback thereafter
  • No limit to the amount of cashback you can earn in a year
22.9% APR
Representative (variable)
No fee
More info
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • have a permanent UK home address
  • have no County Court Judgements

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)
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

  • Sainsbury's Bank may offer a 0% interest period of 23 or 20 months depending on your individual circumstances.
  • Up to 7,500 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 750 points. T&Cs apply
  • 0% balance transfer fee on transfers made in the first 3 months. Transfer fee will depend on current offer thereafter.
20.9% APR
Representative (variable)
26
 months
0% interest on transfers
0.0%
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 20.9% (variable) per annum, your representative APR is 20.9% APR (variable)
Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

  • 27 months 0% on purchases
  • 27 months 0% balance transfers (3.5% transfer fee refunded to 2.5% within 28 days)
19.9% APR
Representative (variable)
27
 months
0% interest on transfers
2.5%
Effective fee
(3.5% initial fee)
27
 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 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.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
M&S Credit Card

M&S Credit Card

M&S Credit Card

  • 500 M&S points voucher worth £5 for select M&S spending
  • 1 M&S point per £1 spent instore, 1 point per £5 spent elsewhere
19.9% APR
Representative (variable)
20
 months
0% interest on transfers
2.9%
Transfer fee
20
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident

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)
Barclaycard Platinum 24 Month Balance Transfer

Barclaycard Platinum 24 Month Balance Transfer

Barclaycard Platinum 24 Month Balance Transfer

  • Get 24 months 0% on transfers with no transfer fee
  • 2% transfer fee refunded to 0% within 28 days
19.9% APR
Representative (variable)
24
 months
0% interest on transfers
0.0%
Effective fee
(2.0% initial 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 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.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% 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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