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Most popular credit cards

Our credit card comparison tables can help you compare some of the best credit card deals available. We compare cards from companies so you can find and apply for a credit card that suits you today. Additional results may be available with an eligibility check.

Check your eligibility for credit cards

  • 1Improve your chances of being accepted
  • 2It won't affect your credit score
  • 3It's quick, free and easy
57 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

Barclaycard Platinum Balance Transfer (20/21)

Representative APR (variable)
24.9%APR
Interest on balance transfers
0%for20months with a3.45%fee
Interest on purchases
0%for21months
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
  • 20 months 0% balance transfer (3.45% transfer fee applies. Terms and conditions apply).
  • Earn up to 15% cashback automatically when you spend at a range of participating retailers with Barclaycard Cashback Rewards. This is a new benefit, available to all Barclaycard Visa credit card customers. T&Cs apply
Eligibility
  • be a permanent UK resident
  • be 21 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

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
Award Winner

Nectar Credit Card

Representative APR (variable)
37.8%APR
Interest on balance transfers
-
Interest on purchases
31%p.a. variable
Representative example:
The standard interest rate on purchases is 31% p.a. (variable), so if you borrow £1,200 the Representative APR will be 37.8% (variable).£30 annual fee.
More Information
Additional information
  • 20,000 Nectar points when spending £2,000 within the first 3 months
  • Minimum 3 points per £1 with Nectar partners, 2 points per £1 spent elsewhere
  • First year of card membership has no annual fee, £30 thereafter (Terms apply)
Eligibility
  • be 18 or older
  • have a current UK bank or building society account
  • have a permanent UK home address
  • have no County Court Judgements
  • 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

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 credit card?

Man and woman using crdit card

Credit cards are a flexible way of borrowing money to pay for bills, goods or services.

The credit card provider sets a limit on how much you can spend on the card based on your financial circumstances.

When you reach that limit, you can't use the card until you have paid off some of the balance.

There's no set time to pay off the debt, but there's a minimum monthly amount you need to pay back to avoid penalties, however, you're free to pay off more than that.

And short-term borrowing is interest-free if you pay off the balance in full each month.

Credit cards can be of great benefit to some when used responsibly. However, missing payments or using all of your credit limit can impact your credit score.

Comparing credit cards

You normally apply for a credit card online or in-branch at a bank or building society.

However, popular credit cards offered by lots of supermarkets, such as Sainsbury’s and Tesco, and other specialist providers, like Capital One, also offer cards.

From the traditional high street banks to the major supermarket providers, our Uswitch credit card comparison tables include all the big names to help you find great credit card deals.

Woman with shopping bags

What type of credit card are you looking for?

Whether you’re looking for a cashback, rewards, 0% on purchases or balance transfer credit card, finding popular credit card deals with Uswitch is simple.

You can also compare: credit cards to use abroad, cards with low APRs, and the top credit card deals for people with a bad credit history. Use our comparison tables to see the best credit card deals.

Find the credit card that's right for you

It's quick, free and easy

Types of credit card in the UK

Some popular credit cards in the UK come in a variety of different forms - some cards are better for new purchases or getting cashback on your spending, while others are better for transferring existing debt.

We compare the following types of credit card:

Using credit card comparison tools

Multiple credit card

How they work

Credit card comparison tools can help you identify the best credit cards in the UK, but it all comes down to your circumstances and what works for you.

That means, finding the best 0% credit cards, or the best high income credit cards on the market isn't as straightforward as it seems.

Compare the credit card market and get the right credit card deals for you. You can use our credit card comparison tables above to see our most popular credit card offers.

What is a credit card?

Read our guide to learn how a credit card differs from a loan, and how to responsibly use one.

Section 75 - What is credit card protection?

For many people using a credit card can offer great benefits. A key perk of owning a credit card is the protection you're given with Section 75.

How to pay off credit card debt

Here is our step-by-step guide to help you pay off credit card debt, rebuild your credit score and regain your financial health.

Debt help

Debt can often cause stress and anxiety, our debt help guides provide tips and resources, to get back on track with your finances.

Help is at hand

When we use the term ‘most popular’ 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 48 hours.

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.

Check your eligibility for credit cards

  • 1Improve your chances of being accepted
  • 2It won't affect your credit score
  • 3It's quick, free and easy