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Check your eligibility for credit cards

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  2. It won't affect your credit score
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Halifax 29 Month Balance Transfer Credit Card

Halifax 29 Month Balance Transfer Credit Card

Halifax 29 Month Balance Transfer Credit Card

  • 0% fee for transfers in first 90 days, 3% fee thereafter
  • Manage your card online using internet banking and mobile banking
  • You may be eligible to apply for this as a second credit card. Terms apply
19.9% APR
Representative (variable)
29
 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
  • no balance transfers from Halifax

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)
MBNA Platinum 38 Month Credit Card

MBNA Platinum 38 Month Credit Card

MBNA Platinum 38 Month Credit Card

  • Up to 38 months 0% on balance transfers (1.44% 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
19.9% APR
Representative (variable)
38
 months
0% interest on transfers
1.44%
Transfer fee
More info
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 from MBNA accounts

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 37 Month Balance Transfer

Barclaycard Platinum 37 Month Balance Transfer

Barclaycard Platinum 37 Month Balance Transfer

  • 37 months 0% on balance transfers
  • 6 months 0% on purchases
  • 3.5% transfer fee refunded to 1.4% within 2 working days
19.9% APR
Representative (variable)
37
 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)
Sainsbury’s Bank Nectar Purchase Credit Card

Sainsbury’s Bank Nectar Purchase Credit Card

Sainsbury’s Bank Nectar Purchase Credit Card

  • Offer only available until 25 March 2018
  • Up to 10,000 bonus Nectar points. Each time you spend £40 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)
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 25 March 2018
  • Up to 10,000 bonus Nectar points. Each time you spend £40 or more 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)
Halifax 30 Month Purchase Credit Card

Halifax 30 Month Purchase Credit Card

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
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 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)
Post Office Money Balance Transfer Credit Card

Post Office Money Balance Transfer Credit Card

Post Office Money Balance Transfer Credit Card

  • 1.99% balance transfer fee
  • Three months 0% on purchases
  • No cash fee to buy travel money at the Post Office
18.9% APR
Representative (variable)
37
 months
0% interest on transfers
1.99%
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 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)
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)
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)
nuba transfer credit card

nuba transfer credit card

£20 Amazon voucher

nuba transfer credit card

  • £20 Amazon voucher with your balance or money transfer over £1000. Terms apply
  • Up to 38 months 0% on balance transfers (2.49% 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
19.9% APR
Representative (variable)
38
 months
0% interest on transfers
2.49%
Transfer fee
More info
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 from MBNA accounts

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 are major credit cards?

Major credit cards are the most popular credit cards that are accepted around the world.

The cards are provided by either Visa, MasterCard or American Express, who are the world’s biggest payment services providers.

The credit is issued by a mixture of big banks, high-street retailers and credit providers, giving these major cards recognisable names like Barclaycard or MBNA.

Major credit cards offer a wide range of benefits. They are popular often because they offer the best benefit for each category.

They may have the longest balance transfer period, or the longest 0% period for purchases. But many are popular because they are open to people with poor credit scores.

What are the benefits of a major credit card?

There are no specific benefits beyond having a recognisable name on your card and large reputable company to deal with.

Having Visa or MasterCard provision is almost a guarantee that you will be able to use your card with any merchant that accepts major credit cards, wherever you are in the world.

It’s more important to look at the benefits of a specific card

You could take comfort knowing you are dealing with a big recognised company, that is compliant with all consumer rules and regulations, both on an international and UK specific level.

What types of major credit card are there?

Major credit cards tend to be balance transfer, 0% purchase credit cards and ‘bad-credit’ credit cards, reflecting their popularity. This is due to the useful benefits they offer.

Balance transfer cards can be used to clear existing credit debts and the majority of the leading ones don’t charge any interest for at least a year, provided you meet the minimum monthly repayments.

0% purchase credit cards offer free short term credit, typically offering no interest on card purchases for at least one year, but some offer this benefit for longer. Provided you can pay back your balance before the 0% interest period expires you could effectively borrow for free.

Bad-credit credit cards offer a way for those who have a poor credit history to borrow and improve their credit score. If you are applying for one of these remember to use it responsibility to avoid sliding into further debt.

If these types of credit cards don’t suit your needs, there are many other major credit card types – from low APR cards (one of the more sensible choices for sustained borrowing) to reward cards, that give you cash or loyalty points (such as frequent flyer miles) back as you spend.

Should I get a major credit card?

While major credit cards often offer the most competitive benefits, you should always closely examine any credit beyond the headline offers and think about what you need from a card.

Shop around thoroughly as it’s possible that less well known credit cards might well offer the best benefits for your personal financial situation.

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.