closedownarrowexternal-linklogo-verticalmenu-barsearch Skip to main content

Check your eligibility for credit cards

  1. Improve your chances of being accepted
  2. It won't affect your credit score
  3. It's quick, free and easy
Sorted by:
Loading deals
Popularity APR Cash advance rate Fee
 Post Office Money Platinum Credit Card

Post Office Money Platinum Credit Card

Post Office Money Platinum Credit Card

  • 18 months 0% on balance transfers (2.89% transfer fee)
  • 28 months 0% on purchases
  • No foreign transaction fees & no cash advance fee when you purchase Post Office Travel Money
18.9% APR
Representative (variable)
27.9%
Cash advance rate
2.5%
Fee on cash advances
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 Post Office or Bank of Ireland (UK) plc 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)
Post Office Matched Credit Card

Post Office Matched Credit Card

Post Office Matched Credit Card

  • 30 months 0% on balance transfers and 30 months 0% on purchases
  • Add up to three additional cardholders for free
  • No cash advance fee when you purchase Post Office Travel Money
18.9% APR
Representative (variable)
27.9%
Cash advance rate
2.5%
Fee on cash advances
More info
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have a current bank or building society account
  • not be an existing Post Office cardholder
  • have an annual income over £8,000 (excl. unemployment benefits)
  • have no outstanding County Court Judgements (CCJs)
  • No balance transfers from Post Office or Bank of Ireland (UK) plc 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)
M&S Credit Card

M&S Credit Card

M&S Credit Card

  • 25 months 0% on purchases; 25 months 0% on balance transfers (2.9% fee)
  • 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
18.9% APR
Representative (variable)
23.9%
Cash advance rate
2.99%
Fee on cash advances
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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
HSBC Credit Card

HSBC Credit Card

HSBC Credit Card

  • £25 cashback when you make a purchase or balance transfer of at least £100 (terms apply)
  • Offer ends 1 October 2017
  • 1.4% fee applies on Balance Transfers (minimum £5)
18.9% APR
Representative (variable)
23.9%
Cash advance rate
2.99%
Fee on cash advances
More info
Can I get this card?
?
To get this card you must at least:
  • have an annual income/pension before tax of £8,500 or more
  • be a resident of the UK, Channel Islands or Isle of Man
  • be over 18
  • The APR is dependent on your personal circumstances
  • no balance transfers from HSBC, First Direct, Marks and Spencer or John Lewis

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)
Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

  • Use your card to pay for rides with Uber and every 11th ride is free. Terms apply, offer only available until Dec 2017
  • 0% on balance transfers for 18 months
24.9% APR
Representative (variable)
24.85%
Cash advance rate
2.99%
Fee on cash advances
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
  • have no history of bankruptcy
  • have no Country Court Judgements (past 5 years)
  • 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 22.44% (variable) per annum, your representative APR is 24.9% APR (variable)
Barclaycard Low Rate Platinum Credit Card

Barclaycard Low Rate Platinum Credit Card

Barclaycard Low Rate Platinum Credit Card

  • Low interest on purchases and balance transfers
  • No annual fee
6.9% APR
Representative (variable)
27.9%
Cash advance rate
2.99%
Fee on cash advances
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

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 6.9% (variable) per annum, your representative APR is 6.9% APR (variable)
Barclaycard Hilton HHonors Platinum Credit Card

Barclaycard Hilton HHonors Platinum Credit Card

Barclaycard Hilton HHonors Platinum Credit Card

  • 2500 points for first 4 Hilton hotel stays (terms apply)
  • Three points for every £1 spent at Hilton hotels; two points for £1 spent elsewhere
  • Spend £750 in first 90 days get free hotel stay (terms apply)
  • 0% on balance transfers for 15 months (2.99% fee applies)
18.9% APR
Representative (variable)
27.9%
Cash advance rate
2.99%
Fee on cash advances
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
  • 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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Barclaycard Platinum 39 Month Balance Transfer

Barclaycard Platinum 39 Month Balance Transfer

Barclaycard Platinum 39 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 1.45% within 2 working days
19.9% APR
Representative (variable)
27.9%
Cash advance rate
2.99%
Fee on cash advances
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)
Barclaycard Platinum 32 Month Balance Transfer Visa Credit Card

Barclaycard Platinum 32 Month Balance Transfer Visa Credit Card

Barclaycard Platinum 32 Month Balance Transfer Visa Credit Card

  • Use your card to pay for rides with Uber and every 11th ride is free. Terms apply, offer only available until Dec 2017
  • 3.5% transfer fee refunded to 0.6% within 2 working days
  • Six months 0% on purchases
19.9% APR
Representative (variable)
27.9%
Cash advance rate
2.99%
Fee on cash advances
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)
Barclaycard Platinum 25 Month Balance Transfer

Barclaycard Platinum 25 Month Balance Transfer

Barclaycard Platinum 25 Month Balance Transfer

  • 25 months 0% on balance transfers
  • 3.5% transfer fee refunded to 0% within 2 working days
19.9% APR
Representative (variable)
27.9%
Cash advance rate
2.99%
Fee on cash advances
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)

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.

Frequently asked questions

What is a credit card cash advance?

A cash advance is withdrawing cash on your credit card rather than making a purchase, however it is often one of the most expensive features of a credit card. If you are planning to withdraw cash on your credit card it makes sense to find one that will charge the lowest fee and interest.

It is not only withdrawing cash from an ATM that is considered a cash advance, buying foreign currency and traveller's cheques, gambling and betting transactions, electronic cash transfers are all usually considered cash advances too.

What will a credit cash advance cost?

Typically, cash advances have higher interest rates than purchases, this can be as high as 50% meaning withdrawing £100 would cost you £150. However, the lowest rates for cash advances can be in their teens.

It’s also worth bearing in mind that whilst many purchase credit cards come with an interest free period, but cash advances tend to be charged interest from day one.

There will also be a fee charged to take a cash advance with your credit card, typically about 3% but the lowest cash advance fees can be as little as 2.5%.

If you use an ATM overseas you are likely to be charged additional foreign usage fees on top of this, these can also be as much as 3%.

Should I take out a cash advance?

Whilst it is expensive and best left as a last resort, sometimes there are emergency purchases that can only be paid in cash, such as paying tradesmen or car repairs.

Credit card cash advances are typically a cheaper way of getting a small cash loan than a payday loan and as the repayments are more flexible that a personal loan it could be cheaper on monthly basis, but will be more expensive in the long term.

But bear in mind that buying something with cash withdrawn via credit card cash advance means you don't get the purchase protection you enjoy with by making a purchase directly with a credit card.

How to best manage a credit cash advance?

If you are planning to take out a cash advance, try and find the card that charges the lowest rates and fees, the best credit cards for cash advances charge interest as little as around 18%. Which is no higher than a typical APR for a purchase card.

Make sure to make as few cash withdrawals as possible as many credit cards charge a minimum cash withdrawal fee of about £3. Effectively meaning a cash advance of anything below £100 would be charged at a higher rate than 3%.

You can get cards which charge no foreign usage fees for overseas withdrawals which will reduce the cost if you have to take out a cash advance whilst abroad.

If possible try to avoid making purchases in cash, as buying with the card will help you avoid the withdrawal fees. Finally make sure to pay off the balance as soon as possible to avoid being charged higher rates of interest.

Does uSwitch compare all the credit cards on the market?

We compare credit 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.