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Mastercard credit cards

Compare Mastercard credit cards

Mastercard credit cards are accepted worldwide. Check below to compare Mastercard credit cards in the UK and see if there's one that's right for you.

Compare Mastercard credit cards

Answer a few question simple questions about your self to see our best Mastercard credit cards for you
Uswitch.com is rated Excellent | by 22,693 people
Fact checker
Last updated
February 9, 2024
43 results found, sorted by popularity.

Santander Everyday Long Term Balance Transfer Credit Card

Representative APR (variable)
23.9%APR
Interest on balance transfers
0%for26months with a3%fee (£5 min.)
Interest on purchases
0%for3months
Representative example:
The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
More Information
Additional information
  • 0% for 26 months on balance transfers, 3% balance transfer fee (minimum £5)
  • 0% for 3 months on purchases
Eligibility
  • be a permanent UK resident
  • be 18 or older
  • minimum income of £10,500
  • have a good credit rating
  • must not be an existing Santander balance transfer credit card customer
  • additional criteria for acceptance from the lender may apply

Santander All in One Credit Card

Representative APR (variable)
29.8%APR
Interest on balance transfers
0%for15months with no fee
Interest on purchases
0%for15months
Representative example:
The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.8% (variable). £3 monthly fee.
More Information
Additional information
  • 0.5% cashback (up to £10 a month) on all your purchases.
  • £3 monthly fee
  • 0% for 15 months on balance transfers
  • 0% for 15 months on purchases
Eligibility
  • be a permanent UK resident
  • be 18 or older
  • minimum income of £10,500
  • have a good credit rating
  • must not be an existing Santander balance transfer credit card customer
  • additional criteria for acceptance from the lender may apply

M&S Bank Transfer Plus Credit Card

Representative APR (variable)
24.9%APR
Interest on balance transfers
0%for26months with a3.49%fee (£5 min.)
Interest on purchases
0%for3months
Representative example:
The standard interest rate on purchases is 24.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.9% (variable).
More Information
Additional information
  • 0% on balance transfers for 26 months, available for 90 days from account opening (3.49% fee applies, minimum £5)
  • Collect one point per £1 spent at M&S online and in-store. Collect one point per £5 spent elsewhere and abroad. You will be rewarded in vouchers to spend at M&S
  • 0% on shopping for 3 months
Eligibility
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident
  • have an annual income/pension of at least £6,800
  • additional criteria for acceptance from the lender may apply

M&S Bank Purchase Plus Credit Card -Excl

Representative APR (variable)
24.9%APR
Interest on balance transfers
0%for12months with a3.49%fee (£5 min.)
Interest on purchases
0%for20months
Representative example:
The standard interest rate on purchases is 24.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.9% (variable).
More Information
Additional information
  • 0% on balance transfers for 12 months, available for 90 days from account opening (3.49% fee applies, minimum £5)
  • 0% on shopping for 20 months
Eligibility
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident
  • have an annual income/pension of at least £6,800
  • additional criteria for acceptance from the lender may apply
Which? Recommended Credit Cards Provider in 2022

Virgin Money Travel Credit Card (27.9%)

Representative APR (variable)
27.9%APR
Interest on balance transfers
0%for9months with a2%fee
Interest on purchases
0%for9months
Representative example:
The standard interest rate on purchases is 27.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 27.9% (variable).
More Information
Additional information
  • Virgin Money Cashback offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
  • 9 months 0% on balance transfers (2% transfer fee)
  • 9 months 0% on money transfers (4% transfer fee)
  • 9 months 0% on purchases
  • Absolutely no fees on overseas purchases, 5% off Virgin Holidays. Terms apply
  • Accepted worldwide in all Mastercard locations
Eligibility
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Clydesdale Bank PLC
  • additional criteria for acceptance from the lender may apply
Which? Recommended Credit Cards Provider in 2022

Virgin Money Travel Credit Card (29.9%)

Representative APR (variable)
29.9%APR
Interest on balance transfers
0%for9months with a2%fee
Interest on purchases
0%for9months
Representative example:
The standard interest rate on purchases is 29.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.9% (variable).
More Information
Additional information
  • Virgin Money Cashback offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
  • 9 months 0% on balance transfers ( 2% transfer fee)
  • 9 months 0% on money transfers ( 4% transfer fee)
  • 9 months 0% on purchases
  • Absolutely no fees on overseas purchases, 5% off Virgin Holidays. Terms apply
  • Accepted worldwide in all Mastercard locations
Eligibility
  • be 18 or older
  • be a UK resident
  • have a good credit history
  • no balance transfers from Clydesdale Bank PLC
  • additional criteria for acceptance from the lender may apply

Capital One Classic Card

Representative APR (variable)
34.9%APR
Interest on balance transfers
34.94%p.a. variable with a3%fee
Interest on purchases
34.94%p.a. variable
Representative example:
The standard interest rate on purchases is 34.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% (variable).
More Information
Additional information
  • Up to two optional credit limit increases per year
  • Apply and get a response in 60 seconds
Eligibility
  • be a permanent UK resident
  • be 18 or older
  • have had credit in the UK before
  • have had no bankruptcies in the past 12 months
  • additional criteria for acceptance from the lender may apply

Capital One Balance Credit Card

Representative APR (variable)
34.9%APR
Interest on balance transfers
0%for6months with a3%fee
Interest on purchases
34.94%p.a. variable
Representative example:
The standard interest rate on purchases is 34.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% (variable).
More Information
Additional information
  • 0% interest on balance transfers for 6 months, with a balance transfer fee of 3%
  • Credit limit of £200 to £1,500
  • Online response in 60 seconds
Eligibility
  • be 18 or older
  • not been declared bankrupt in the last 12 months
  • not had any CCJs or defaults in the last 12 months
  • no transfers from Capital One
  • additional criteria for acceptance from the lender may apply
Uswitch Limited is a credit broker, not a lender, for consumer credit.
Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

What is a Mastercard credit card?

A woman is at her laptop looking at the latest credit card deals

Mastercard is a payment system that is recognised across the globe by shops, ATMs and more.

Card providers, including banks, can choose to issue their credit cards and debit cards using Mastercard's payment system. This

If you look at the bottom right-hand corner of a credit or debit card in the UK you will see the logo Mastercard, Visa or American Express.

Mastercard and Visa are two of the biggest payment systems, so your credit or debit card is likely to be linked to one of them.

Mastercard has partnerships with a lot of big banks and financial service companies including Halifax, Sainsbury's Bank, Virgin Money and Capital One.

Number of Mastercards globally[1]
2,731million

How does Mastercard work

This is what goes on behind the scenes when you pay with a Mastercard

You pay with a Mastercard

You buy goods or services from a merchant.

The payment gets authenticated

The merchant's point-of-sale system records your account information and securely sends it to an 'acquirer' - a merchant bank, licensed by Mastercard, that helps a shop fulfil its obligation to accept Mastercard.

The transaction's submitted

The merchant acquirer asks Mastercard to get authorisation from the customer’s issuing bank.

Authorisation is requested

Mastercard submits the transaction to the organisation that issued your card for authorisation.

Response and merchant payment

Your issuing bank authorises the transaction and routes the response and payment to the merchant’s acquirer. The acquirer deposits the money into the merchant’s account.

What will a credit card cost me?

Why should I choose a Mastercard credit card?

Mastercard and Visa credit and debit cards are both more or less universally accepted at all electronic payment terminals, so access shouldn’t be a problem whoever provides your card.

Mastercard offers security online with ‘Mastercard SecureCode’. This protects your Mastercard details with a code, to shield you from fraud when you purchase online from participating online shops.

Like all providers Mastercard should offer a money-back guarantee if you fall victim to card fraud.

All Mastercard cards have Chip and PIN protection and are increasingly offering contactless payment for sums under £100 on their cards. Since 2014 Mastercard has provided payment through Apple’s iPhones and other products.

Mastercard credit cards pros and cons

Pros

Mastercard has its own security protection - SecureCode - to protect owners using their card online
Accepted at almost all ATMs and the vast majority of shops online and in store
There are perks like cashback and other rewards with some Mastercard credit cards

Cons

To get the best Mastercard credit cards you'll need an excellent credit score
Credit cards can be an expensive way to borrow money if you don't pay in full each month
Missing or being late with payments could damage your credit score

What is the best Mastercard credit card?

The best Mastercard credit card is the one that suits your lifestyle. You can use our comparison tables to find out the best deals for you.

Our comparison tool lists our best Mastercard credit card deals. You can choose to list the cards by:

  • Popularity – how popular they are

  • Lowest APR – that means the cards with the lowest interest rates

  • Longest balance transfer period – how long you can have money owing on your credit card that you have moved from another card, before you have to start paying interest on it

  • Longest purchase period – how long you have after you have made a purchase before you have to pay interest on it.

You can browse the best Mastercard credit card deals using our online tool, and then click through to the card you are interested in. 

You will need to fill in a few details online, and then wait to see if you have been approved. Or you can apply by phone, post, or by visiting a branch of your preferred provider. Before you make a formal application you can use our credit card eligibility checker. This will reduce the chances of you being rejected for credit cards and potentially damaging your credit score.

If you make a lot of applications for credit it can affect your credit rating, which is a score that banks and financial companies use to decide whether they will give you a credit card."

Compare Mastercard credit card deals

See what's available and check your eligibility before applying with our card finder tool
1
Answer a few simple questions about yourself
2
We match you with the Mastercard credit cards you're most likely to get
3
Your credit score won't be affected by the search
Trust Pilot stars

About Mastercard

Mastercard has been a debit and credit card provider since 1966. Cards provided by Mastercard are accepted in 36 million locations worldwide.

It was originally founded to compete with VISA cards in the US but has expanded to provide payment cards for banks and card issuers worldwide.

You can see if Mastercard provides your card by looking for its recognisable orange and red 'Venn diagram' logo on your credit or debit card.

Mastercard transactions in 2021[2]
$8.2trillion

Mastercard credit card FAQs

What's the difference between Mastercard and Visa?

Mastercard and Visa are rival payment systems - it's up to banks and other card providers to choose which one to use with their cards.

But both are accepted around the world at most retailers online and in store.

It's possible some shops will accept one and not the other, but it's incredibly rare in practice.

For owners of the cards, the only real difference is the exchange rate charged on foreign purchases.

Traditionally, these have been very similar, but Mastercard has offered a very slightly better rate a little more often than Visa has.


How to pay with Mastercard?

You pay with a Mastercard credit card in the normal way – you present your card to the shop or merchant, and then sign for the goods or service, or put in your personal PIN number to confirm payment.

In the UK you can also use contactless payments for purchases worth up to £100.

Where is Mastercard accepted?

Mastercard credit cards are widely accepted around the world, meaning that you can use them both at home and when you travel.

This includes shops, stores, restaurants, online and many other outlets. You can use it instead of carrying cash to pay for goods and services.

How Uswitch compares credit cards

What does ‘most popular’ and ‘popularity’ mean?

When we use the term ‘most popular or ‘popularity’ on Uswitch in reference to credit cards, these cards are ranked by the number of clicks they have received on the site in the past 30 days.

The most clicked on cards are at the top, with the least at the bottom. This reflects how popular they are with visitors to Uswitch.com. Consequently, this is a good table to look at if you’re interested in seeing which cards most people think are worth getting.

Does Uswitch compare all the credit cards on the market?

We compare 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.

Credit card guides

Find out more about how credit cards work with our in-depth guides
How many credit cards can you have?
How many credit cards can you have?
How to use a credit card
How to use a credit card
What are the differences between credit and debit card?
What are the differences between credit and debit card?

About the author

James Andrews
James has spent the past 20 years writing about and editing personal finance articles and guides in the UK. His driving mission has been to help people make better decisions with their money.

References