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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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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)
Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

2016 award winner

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

  • Free access to your Experian credit report
18.9% APR
Representative (variable)
25
 months
0% interest on transfers
1.49%
Transfer fee
25
 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
  • 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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Halifax 43 Month Balance Transfer Credit Card

Halifax 43 Month Balance Transfer Credit Card

Market Leading
2016 award winner

Halifax 43 Month Balance Transfer Credit Card

  • 2.98% effective transfer fee (initial 3.5% fee, 0.52% refunded after 90 days)
  • 6 months 0% on new purchases
18.9% APR
Representative (variable)
43
 months
0% interest on transfers
2.98%
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)
Santander Everyday Credit Card

Santander Everyday Credit Card

Santander Everyday Credit Card

  • 27 months 0% on purchases
  • 27 months 0% on balance transfers with 2.75% transfer fee
  • Manage your account online or with Santander app
18.9% APR
Representative (variable)
27
 months
0% interest on transfers
2.75%
Transfer fee
27
 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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Sainsburys Nectar Purchase Credit Card

Sainsburys Nectar Purchase Credit Card

Sainsburys Nectar Purchase Credit Card

  • Offer only available until 26 March 2017
  • 5000 bonus Nectar points when spending £250 in store in the first month
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
18.9% APR
Representative (variable)
18
 months
0% interest on transfers
3.0%
Transfer fee
29
 months
0% interest on purchases
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)
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)
Halifax 26 Months Balance Transfer Card

Halifax 26 Months Balance Transfer Card

2016 award winner

Halifax 26 Months Balance Transfer Card

  • 0% fee for transfers in first 90 days, 3% fee thereafter
  • Manage your card online using internet banking and mobile banking
18.9% APR
Representative (variable)
26
 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 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 18.9% (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
  • Manage your card online using internet banking and mobile banking
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 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 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Lloyds Bank Platinum 42 Month BT MasterCard

Lloyds Bank Platinum 42 Month BT MasterCard

Lloyds Bank Platinum 42 Month BT MasterCard

  • 42 months 0% on balance transfers made in first 90 days
  • 3% transfer fee refunded to 2.3% within 90 days of transaction date
  • Six months 0% on new purchases
18.9% APR
Representative (variable)
42
 months
0% interest on transfers
2.3%
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)
HSBC Credit Card

HSBC Credit Card

HSBC Credit Card

  • Offer ends 27 Feb 2017
  • Get £25 when you transfer a balance or make a purchase within 60 days of account opening (Terms apply).
18.9% APR
Representative (variable)
32
 months
0% interest on transfers
1.4%
Transfer fee
3
 months
0% interest on purchases
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)

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.