closedownarrowlogo-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 Balance transfer Purchases
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)

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.