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Balance transfer credit cards

Compare balance transfer credit cards from 17 companies to find a 0% interest credit card deal to transfer your existing balance to. With the longest 0% interest periods on balance transfers now up to 34 months, you could pay no interest on your credit card debts until 2022.

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  2. It won't affect your credit score
  3. It's quick, free and easy
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How much would you like to transfer?

£
Note that this is illustrative and this figure does not reflect the credit limit you will be offered.

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Halifax 34 Month Balance Transfer Credit Card
Halifax 34 Month Balance Transfer Credit Card
34 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£90.00
Cost of fees over 34 months
What will I pay?
Halifax 34 Month Balance Transfer Credit Card

Total cost of fees over 34 months:

£90.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£90.88

Assuming a balance transfer of £3,000, you will need to repay at least £90.88 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay a fee of 3% of the balance transferred; 3% of £3,000 is £90.00.

How do I pay the card fees?

The fee of £90.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £90.88 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 34 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£90.88 p/m
To pay off balance over 34 months
More info
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 3% balance transfer fee for balances transferred within 90 days of account opening
  • 3 months 0% on new purchases
  • You may be eligible to apply for this as a second credit card. Terms apply
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.
Barclaycard Platinum 33 Month Balance Transfer
Cashback Offer
Barclaycard Platinum 33 Month Balance Transfer
Cashback Offer
33 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£58.50
Cost of fees over 33 months
What will I pay?
Barclaycard Platinum 33 Month Balance Transfer

Total cost of fees over 33 months:

£58.50

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£92.68

Assuming a balance transfer of £3,000, you will need to repay at least £92.68 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you will pay an initial fee of 3.5% of the balance transferred; 3.5% of £3,000 is £105.00. This should be refunded (terms apply) at a later date, so you will pay an "effective fee" of 1.95% (£58.50). This example uses the effective fee.

How do I pay the card fees?

The fee of £58.50 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £92.68 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 33 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£92.68 p/m
To pay off balance over 33 months
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 33 months 0% on balance transfers (3.5% transfer fee refunded to 1.95% within 28 days)
  • 6 months 0% on purchases
  • £20 cashback when you transfer a balance of £2,000 or more within 60 days of opening your account (terms apply). Offer ends 12 October 2018
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.
MBNA Platinum 33 Month Credit Card
MBNA Platinum 33 Month Credit Card
33 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£59.70
Cost of fees over 33 months
What will I pay?
MBNA Platinum 33 Month Credit Card

Total cost of fees over 33 months:

£59.70

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£92.72

Assuming a balance transfer of £3,000, you will need to repay at least £92.72 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay a fee of 1.99% of the balance transferred; 1.99% of £3,000 is £59.70.

How do I pay the card fees?

The fee of £59.70 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £92.72 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 33 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£92.72 p/m
To pay off balance over 33 months
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • Up to 33 months 0% on balance transfers (1.99% fee) in first 60 days, 21.9% p.a. and 5% fee thereafter
  • Up to 20 months 0% on money transfers (4% fee) in first 60 days, 23.9% p.a. and 5% fee thereafter
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 from MBNA accounts
Additional criteria for acceptance from the lender may apply.
HSBC 32 month Balance Transfer Credit Card
HSBC 32 month Balance Transfer Credit Card
£25 cashback if you use the card to make a purchase or balance transfer (fees apply) of at least £300 within 60 days of account opening
Offer only available between 10 Sept 2018 and 9 Nov 2018
Credit is subject to status. Terms 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)
Advertised by
M&S Transfer Plus Credit Card
M&S Transfer Plus Credit Card
32 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£29.70
Cost of fees over 32 months
What will I pay?
M&S Transfer Plus Credit Card

Total cost of fees over 32 months:

£29.70

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£94.68

Assuming a balance transfer of £3,000, you will need to repay at least £94.68 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay a fee of 0.99% of the balance transferred; 0.99% of £3,000 is £29.70.

How do I pay the card fees?

The fee of £29.70 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £94.68 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 32 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£94.68 p/m
To pay off balance over 32 months
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 32 months 0% on balance transfers made within 90 days (0.99% fee applies, £5 minimum fee)
  • 6 months 0% on purchases
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.
HSBC Credit Card
Cashback Offer
HSBC Credit Card
Cashback Offer
32 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£42.00
Cost of fees over 32 months
What will I pay?
HSBC Credit Card

Total cost of fees over 32 months:

£42.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£95.06

Assuming a balance transfer of £3,000, you will need to repay at least £95.06 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay a fee of 1.4% of the balance transferred; 1.4% of £3,000 is £42.00.

How do I pay the card fees?

The fee of £42.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £95.06 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 32 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£95.06 p/m
To pay off balance over 32 months
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 32 months 0% on balance transfers made within the first 60 days
  • 1.4% fee applied on Balance Transfers (minimum £5) for balances transferred within the first 60 days
  • £25 cashback between 10 Sept 2018 to 09 Nov 2018 - Subject to terms and conditions
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.
Lloyds Bank Platinum 32 Month Balance Transfer Credit Card
Lloyds Bank Platinum 32 Month Balance Transfer Credit Card
32 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£42.00
Cost of fees over 32 months
What will I pay?
Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

Total cost of fees over 32 months:

£42.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£95.06

Assuming a balance transfer of £3,000, you will need to repay at least £95.06 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you will pay an initial fee of 3% of the balance transferred; 3% of £3,000 is £90.00. This should be refunded (terms apply) at a later date, so you will pay an "effective fee" of 1.4% (£42.00). This example uses the effective fee.

How do I pay the card fees?

The fee of £42.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £95.06 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 32 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£95.06 p/m
To pay off balance over 32 months
More info
Representative example: When you spend £1,200 at a rate of 19.94% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 32 months 0% interest on balance transfers made within 90 days of account opening
  • 3% transfer fee refunded to 1.4% within 90 working days, 3% fee thereafter
To get this card you must at least:
  • have no CCJs (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc
Additional criteria for acceptance from the lender may apply.
Santander All in One Credit Card
Santander All in One Credit Card
30 months
0% interest on balance transfers
21.7% APR
Representative APR (variable)
£90.00
Cost of fees over 30 months
What will I pay?
Santander All in One Credit Card

Total cost of fees over 30 months:

£90.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£103.00

Assuming a balance transfer of £3,000, you will need to repay at least £103.00 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay a fee of 0% of the balance transferred; 0% of £3,000 is £0.00.

Monthly fee

This card provider charges a monthly fee of £3 for having this card. We have multiplied this fee by the number of months in the card's 0% interest period; £3 multiplied by 30 months is £90.00.

How do I pay the card fees?

The account fee will be charged each month, meaning once a month your balance will have £3 added to it. You should factor this into your repayments or the fees could gradually add-up.

How are the monthly repayments calculated?

The monthly repayment of £103.00 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 30 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£103.00 p/m
To pay off balance over 30 months
More info
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)
Card details
  • 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
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.
Barclaycard Platinum 30 Month Balance Transfer Visa Credit Card
Cashback Offer
Barclaycard Platinum 30 Month Balance Transfer Visa Credit Card
Cashback Offer
30 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£16.50
Cost of fees over 30 months
What will I pay?
Barclaycard Platinum 30 Month Balance Transfer Visa Credit Card

Total cost of fees over 30 months:

£16.50

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£100.55

Assuming a balance transfer of £3,000, you will need to repay at least £100.55 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you will pay an initial fee of 3.5% of the balance transferred; 3.5% of £3,000 is £105.00. This should be refunded (terms apply) at a later date, so you will pay an "effective fee" of 0.55% (£16.50). This example uses the effective fee.

How do I pay the card fees?

The fee of £16.50 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £100.55 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 30 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£100.55 p/m
To pay off balance over 30 months
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 3.5% transfer fee refunded to 0.55% within 28 days
  • Six months 0% on purchases
  • £20 cashback when you transfer a balance of £2,000 or more within 60 days of opening your account (terms apply). Offer ends 12 October 2018
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.
Halifax 30 Month Balance Transfer Credit Card
Halifax 30 Month Balance Transfer Credit Card
30 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£36.00
Cost of fees over 30 months
What will I pay?
Halifax 30 Month Balance Transfer Credit Card

Total cost of fees over 30 months:

£36.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£101.20

Assuming a balance transfer of £3,000, you will need to repay at least £101.20 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you will pay an initial fee of 3% of the balance transferred; 3% of £3,000 is £90.00. This should be refunded (terms apply) at a later date, so you will pay an "effective fee" of 1.2% (£36.00). This example uses the effective fee.

How do I pay the card fees?

The fee of £36.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £101.20 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 30 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£101.20 p/m
To pay off balance over 30 months
More info
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 30 months 0% interest on balance transfers made within 90 days of account opening
  • 3% transfer fee refunded to 1.2% within 90 working days, 3% fee thereafter
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.
Sainsbury's Bank 30 month Balance Transfer Credit Card
Sainsbury's Bank 30 month Balance Transfer Credit Card
30 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£45.00
Cost of fees over 30 months
What will I pay?
Sainsbury's Bank 30 month Balance Transfer Credit Card

Total cost of fees over 30 months:

£45.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£101.50

Assuming a balance transfer of £3,000, you will need to repay at least £101.50 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay a fee of 1.5% of the balance transferred; 1.5% of £3,000 is £45.00.

How do I pay the card fees?

The fee of £45.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £101.50 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 30 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£101.50 p/m
To pay off balance over 30 months
More info
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 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
  • 1.5% balance transfer fee (minimum £3) on transfers made in the first 3 months. Transfer fee will depend on current offer thereafter.
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.
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Frequently asked questions

What to look for in a balance transfer deal

Balance transfer credit cards allow you to transfer their credit to pay off your balance on other cards. They often come with a 0% interest offer, allowing you to pay off your credit card debt within a specified time period without being charged interest.

It’s often a good way to save money on the cost of paying back credit card debt. It can also be a good way to consolidate your debts from multiple credit cards into one manageable repayment plan.

How to compare balance transfer cards

Balance transfer credit cards in our comparison table are displayed by the duration of the 0% balance transfer offers and include the cost of the transfer (handling fee) and the APR that kicks in once the introductory offer comes to an end.

The transfer fee is usually around 3% of the debt being transferred but this varies depending on the credit card.

Some credit cards will include 0% on money transfers, allowing you to pay off debt from other areas, including your bank overdraft for example.

If you want to compare balance transfer credit cards then read on for our five top tips to help you find the right credit card deal for you from the comparison table above.

0% balance transfer credit card deals - Top five tips

A 0% credit card balance transfer allows you to transfer debt from one credit card to one with a 0% introductory deal. This means you can pay off your debt over a longer period without worrying about paying extra in interest repayments.

Playing the balance transfer game could save you a fortune in credit card interest rate payments, provided you stick to a few basic rules.

Typically, balance transfer cards compete on price in the form of lowest APRs, longest 0% periods and lowest balance transfer fees. So a hard nosed approach would be to conider the cheapest balance transfer credit cards to be the best, but there may be other things you’d like to take into account.

Our top five tips on how a 0% credit card balance transfer deal can help you save money. Compare and find the best 0% credit cards balance transfer in the market.

1. Know how long the 0% balance transfer offer lasts

Credit card balance transfer offers don’t last forever so when you transfer your credit card balance to a new card, always make a note of when the introductory 0% interest rate ends. This means you can calculate how much you’ll need to pay back each month to complete your repayments within the 0% interest period. When the period is up, credit cards with 0% interest will revert to a more expensive standard rate, so make sure you keep on top of this.

If you haven’t paid off your balance by the time the 0% period is up, it might be a good idea to switch to another 0% balance transfer deal.

Start looking for your new card about six weeks before your deal is due to end to allow plenty of time to arrange your next transfer.

2. Double check the rate

The rate you see advertised isn’t necessarily the rate you will get. Credit card providers only have to give the typical APR they advertise to around 50% of successful applicants – this means that if you’ve had credit problems in the past, you may be given a higher APR.

Check that the rate you see advertised is the rate you will actually get to avoid a shock when your first statement arrives.

3. See what the 0% rate covers

Credit cards with long 0% rates on balance transfers often have much shorter 0% deals on purchases – for example, a card with 0% on transfers for over 20 months may only give 0% on spending for three or six months.

Make sure you know what rates you’ll be paying on other credit card use, not just transfers. However, you’ll want to avoid making extra purchases if you have a large debt to pay off over the 0% interest period. Generally it’s better to have your balance transfer credit card just for balance transfers, but it’s certainly worth knowing its other uses just in case you need them.

Some balance transfer credit cards will also include a money transfer option, which allows you to pay money from your credit card into your current account and pay off overdraft debt, not just credit card debt. These 0% credit card deals will also come with a handling fee, usually around 4% but this will vary from provider to provider. Such credit cards can be vital for consolidating debt from a variety of areas, so could be worth considering if you have debt elsewhere and not just from your credit card.

4. Don't spend on your 0% balance transfer card

Balance transfer credit cards are always best for easing the pain of existing debt – start spending on the card and you risk ending up in deeper trouble.

The best advice would be not to spend on a card after transferring a balance to it. Instead, take out a separate card with a long 0% on purchases deal, or look for a card offering a good 0% deal on both purchases and transfers. If you know you can pay off the balance within the 0% interest period, including any extra purchases you make, then a credit card with a length 0% purchases and 0% balance transfer deal could work for you.

5. Check the balance transfer fee

Most credit card providers charge a balance transfer fee of around 3% when you shift your debt from one card to another, though this varies between cards and providers.

Consider whether paying a fee might outweigh the benefits of a 0% deal - balance transfers on credit cards with a low APR could be cheaper in the long run than doing so on 0% APR credit cards deals. It all comes down to individual circumstances and preferences, so check you have the facts before looking for the best credit cards for balance transfers.

The handling fee, or cost of the transfer will rise with the amount you transfer and is part of the deal of getting a 0% balance transfer deal. Some credit cards will offer a discount on the initial balance transfer fee provided you meet their terms and conditions, which usually includes paying off your balance on time each month.

What are top deals?

One way to sort our table is by ‘top deals’, whereby we highlight cards that are market leaders for particular features. For example, of all the credit cards charging no transfer fee, the one with the best overall offering might be a top deal called ‘No transfer fee’.

We do this to highlight that it is the best in its class on uSwitch. We check these deals weekly to ensure they really are the best on uSwitch in that area, so you can rest assured that our top deals are just that - the top deals on uSwitch.

What does 'popularity' mean?

Cards are ranked by the number of clicks they get on the site in the past 48 hours.

The most clicked on cards are at the top, the least at the bottom. This reflects how popular they are with visitors to uSwitch.com.

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.

What does it mean if a card is listed as an “advertisement” or “promotion”?

We sometimes receive payment from card providers to display their cards in prominent locations.

These are adverts and are designed to be distinct and separate from the other cards on our comparison tables. We hope this makes it clear which cards are top-of-table deals and which cards are paid for promotions.

Learn more from our Credit Card Guides