Skip to main content
Menu

Check your eligibility for credit cards

See if you are likely to get a credit card - it's quick, free, and won't affect your credit score.

Sorted by:
Loading deals
Popularity APR Balance transfer Purchases
Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

2016 award winner

Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

  • For people with limited but good credit history
  • 60 days to transfer balance
24.9% APR
Representative (variable)
18
 months
0%interest on transfers
2.99%
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 21 or older
  • have a good credit rating
  • have no history of bankruptcy
  • have no Country Court Judgements (past 5 years)
  • 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 22.44% (variable) per annum, your representative APR is 24.9% APR (variable)
MBNA All Round Credit Card

MBNA All Round Credit Card

MBNA All Round Credit Card

  • Up to 26 months 0% on balance transfers (2.95% fee) in first 60 days, 20.9% p.a. with 5 % fee thereafter
  • Up to 26 months 0% on money transfer (4% fee) in first 60 days, 22.9% p.a with 5% fee thereafter
  • Eligibility check - see if you qualify without affecting your credit rating. Depending on results product details may vary
18.9% APR
Representative (variable)
26
 months
0%interest on transfers
2.95%
Transfer fee
26
 months
0%interest on purchases
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
  • have a good credit history
  • hold a UK bank or building society account
  • 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)
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

  • 0% balance transfer fee on transfers made in the first 3 months (3% thereafter, £3 minimum fee)
18.9% APR
Representative (variable)
22
 months
0%interest on transfers
0.0%
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)
Vanquis Bank Aquis Visa Credit Card

Vanquis Bank Aquis Visa Credit Card

Vanquis Bank Aquis Visa Credit Card

  • Up to 56 days interest free on purchases
  • SMS and online account management
  • Designed to help build your credit rating
29.8% 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 29.84% (variable) per annum, your representative APR is 29.8% APR (variable)
Black Diamond Credit Card by Vanquis

Black Diamond Credit Card by Vanquis

Black Diamond Credit Card by Vanquis

  • Credit limit increase possible after fifth statement, further increases every five months, up to £3,500
  • Designed to help build your credit rating
  • Up to 56 days interest free credit on purchases
59.9% 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 hold any Vanquis credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £250 at a rate of 59.94% (variable) per annum, your representative APR is 59.9% APR (variable)
Barclaycard Platinum 37 Month Balance Transfer

Barclaycard Platinum 37 Month Balance Transfer

Limited Offer
2016 award winner

Barclaycard Platinum 37 Month Balance Transfer

  • 3.5% transfer fee refunded to 1.44% within 2 working days
  • More than three years 0% on balance transfers and six months 0% on purchases
  • Semi-Exclusive - only available through selected sites
18.9% APR
Representative (variable)
37
 months
0%interest on transfers
1.44%
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 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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Barclaycard Platinum 32 Month Balance Transfer Visa Credit Card

Barclaycard Platinum 32 Month Balance Transfer Visa Credit Card

2016 award winner

Barclaycard Platinum 32 Month Balance Transfer Visa Credit Card

  • 60 days to transfer balance
  • Online account management, paper statements available
  • 3.5% transfer fee refunded to 0.63% within 2 working days
18.9% APR
Representative (variable)
32
 months
0%interest on transfers
0.63%
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 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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Barclaycard Initial Credit Card

Barclaycard Initial Credit Card

Limited Offer
2016 award winner

Barclaycard Initial Credit Card

  • 3months 0% on purchases
34.9% APR
Representative (variable)
3
 months
0%interest on purchases
Can I get this card?
?
To get this card you must at least:
  • be employed and earning at least £3000 annually
  • be over 18 and have had credit in the UK and a permanent UK address for three months
  • have no County Court Judgements (CCJs) for non-payment of debt
  • have no recent record of missed bill payments

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 34.9% (variable) per annum, your representative APR is 34.9% 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

  • Balance transfer fee 1.99%
  • 60 days to transfer balance
  • Free access to your Experian credit report
18.9% APR
Representative (variable)
25
 months
0%interest on transfers
1.99%
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)
Barclaycard Freedom Rewards Credit Card

Barclaycard Freedom Rewards Credit Card

2016 award winner

Barclaycard Freedom Rewards Credit Card

  • 0.15% balance transfer fee after refund
  • Double Freedom points on UK supermarket, petrol station and all Transport for London
21.9% APR
Representative (variable)
12
 months
0%interest on transfers
0.15%
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 21 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 21.9% (variable) per annum, your representative APR is 21.9% APR (variable)
Barclaycard Hilton HHonors Platinum Credit Card

Barclaycard Hilton HHonors Platinum Credit Card

2016 award winner

Barclaycard Hilton HHonors Platinum Credit Card

  • 2500 points for first 4 Hilton hotel stays (terms apply)
  • Three points for every £1 spent at Hilton hotels; two points for £1 spent elsewhere
  • Spend £750 in first 90 days get free hotel stay (terms apply)
18.9% APR
Representative (variable)
15
 months
0%interest on transfers
2.99%
Transfer fee
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
  • 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)
Post Office Platinum MasterCard

Post Office Platinum MasterCard

Post Office Platinum MasterCard

  • 22 months 0% on balance transfers (no transfer fee)
  • No foreign transaction fees
  • No cash advance fee when you purchase Post Office Travel Money
17.8% APR
Representative (variable)
22
 months
0%interest on transfers
0.0%
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
  • 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 17.8% (variable) per annum, your representative APR is 17.8% APR (variable)
Post Office Matched Credit Card

Post Office Matched Credit Card

Post Office Matched Credit Card

  • Add up to three additional cardholders for free
  • No cash advance fee when you purchase Post Office Travel Money
18.9% APR
Representative (variable)
16
 months
0%interest on transfers
2.98%
Transfer fee
27
 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 a current bank or building society account
  • not be an existing Post Office cardholder
  • have an annual income over £8,000 (excl. unemployment benefits)
  • have no outstanding County Court Judgements (CCJs)
  • 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)
Capital One Classic Platinum MasterCard

Capital One Classic Platinum MasterCard

Capital One Classic Platinum MasterCard

  • Designed to help improve your credit rating
  • Up to two optional credit limit increases per year
  • Apply and get a response in 60 seconds
29.8% 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 had credit in the UK before
  • have had no bankruptcies in the past 12 months

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 29.84% (variable) per annum, your representative APR is 29.8% APR (variable)
Capital One Classic MasterCard

Capital One Classic MasterCard

Capital One Classic MasterCard

  • Designed to help improve your credit rating
  • Up to two optional credit limit increases per year
  • Apply and get a response in 60 seconds
34.9% 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 had credit in the UK before
  • have had no bankruptcies in the past 12 months

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your representative APR is 34.9% APR (variable)
Luma MasterCard

Luma MasterCard

Luma MasterCard

  • Up to £1,500 credit limit
  • Application response in 60 seconds
  • Designed to help build your credit rating
35.9% 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 had credit in the UK before
  • have had no bankruptcies in the past 12 months

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 35.9% (variable) per annum, your representative APR is 35.9% APR (variable)
British Airways American Express® Credit Card

British Airways American Express® Credit Card

2016 award winner

British Airways American Express® Credit Card

  • 9,000 bonus Avios when spending £1,000 within the first 3 months
  • Companion voucher when you spend £20,000 in one year
  • 1 Avios point for every £1 spent
22.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • have an annual household Income of £20,000
  • have a permanent UK home address
  • have no County Court Judgements
  • have been trading for 6 months if self-employed

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)
American Express Platinum Cashback Everyday Credit Card

American Express Platinum Cashback Everyday Credit Card

2016 award winner

American Express Platinum Cashback Everyday Credit Card

  • Earn 3% cashback up to £15 on Amazon purchases within 3 months of Cardmembership: only available until 31 Jan 2017
  • 5% cashback in your first three months (up to £100)
  • Up to 1% cashback thereafter
22.9% 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 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)
Clydesdale Bank Gold MasterCard

Clydesdale Bank Gold MasterCard

Clydesdale Bank Gold MasterCard

  • Contactless payments under £30
  • MasterCard SecureCode for safer online shopping
18.9% APR
Representative (variable)
12
 months
0%interest on transfers
3.0%
Transfer fee
26
 months
0%interest on purchases
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • no balance transfers from Clydesdale or Yorkshire Bank 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)
Yorkshire Bank Gold MasterCard

Yorkshire Bank Gold MasterCard

Yorkshire Bank Gold MasterCard

  • Contactless payments under £30
  • MasterCard SecureCode for safer online shopping
18.9% APR
Representative (variable)
12
 months
0%interest on transfers
3.0%
Transfer fee
26
 months
0%interest on purchases
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • no balance transfers from Clydesdale or Yorkshire Bank 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)
Luma Purchase Credit Card

Luma Purchase Credit Card

Luma Purchase Credit Card

  • Up to £1,500 credit limit
  • Application response in 60 seconds
  • Designed to help build your credit rating
35.9% APR
Representative (variable)
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 had credit in the UK before
  • have had no bankruptcies in the past 12 months

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 35.9% (variable) per annum, your representative APR is 35.9% APR (variable)
Virgin 32 Month Balance Transfer Credit Card

Virgin 32 Month Balance Transfer Credit Card

2016 award winner

Virgin 32 Month Balance Transfer Credit Card

  • 32 months 0% on balance and money transfers; 3 months 0% on purchases
  • 4% money transfer fee
19.9% APR
Representative (variable)
32
 months
0%interest on transfers
0.66%
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 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Virgin All Round Credit Card

Virgin All Round Credit Card

2016 award winner

Virgin All Round Credit Card

  • 25 months 0% for balance transfers, money transfers and purchases
  • 1.5% balance transfer fee in first 60 days, 5% thereafter
  • 2% money transfer fee in the first 60 days, 5% thereafter
18.9% APR
Representative (variable)
25
 months
0%interest on transfers
1.5%
Transfer fee
25
 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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Virgin Money No Balance Transfer Fee Credit Card

Virgin Money No Balance Transfer Fee Credit Card

2016 award winner

Virgin Money No Balance Transfer Fee Credit Card

  • 24 months 0% on balance transfers;
  • 0% balance transfer fee in first 60 days, 5% thereafter
  • 24 months 0% for money transfers (4% fee in first 60 days, 5% thereafter)
19.9% APR
Representative (variable)
24
 months
0%interest on transfers
0.0%
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 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Halifax 25 Months Balance Transfer Credit Card

Halifax 25 Months Balance Transfer Credit Card

2016 award winner

Halifax 25 Months Balance Transfer Credit Card

  • 0% fee for transfers in first 90 days, 3% fee thereafter
  • Six months 0% on purchases
  • Manage your card online using internet banking and mobile banking
18.9% APR
Representative (variable)
25
 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)
Bank of Scotland Platinum 20 Months Balance Transfer Card

Bank of Scotland Platinum 20 Months Balance Transfer Card

Bank of Scotland Platinum 20 Months Balance Transfer Card

  • 20 months 0% on balance transfers
  • 0% fee on balance transfers within the first 90 days, 3% thereafter
  • Manage your card online using Internet Banking and Mobile Banking
18.9% APR
Representative (variable)
20
 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 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Bank of Scotland 24 Month Balance Transfer

Bank of Scotland 24 Month Balance Transfer

Bank of Scotland 24 Month Balance Transfer

  • 21 months 0% on balance transfers
  • 2.5% fee applies on each balance transfer made in the first 90 days, 3% thereafter
  • 21 months 0% on purchases
18.9% APR
Representative (variable)
24
 months
0%interest on transfers
2.5%
Transfer fee
24
 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 20 Month Balance Transfer Credit Card

Lloyds 20 Month Balance Transfer Credit Card

Lloyds 20 Month Balance Transfer Credit Card

  • 0% for 20 months on balance transfers
  • 0%fee on balances transferred within 90 days of account opening, 3% thereafter
  • 0% on purchases for six months
18.9% APR
Representative (variable)
20
 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:
  • 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)
Lloyds Bank Online Platinum 24 Month Balance Transfer MasterCard

Lloyds Bank Online Platinum 24 Month Balance Transfer MasterCard

Lloyds Bank Online Platinum 24 Month Balance Transfer MasterCard

  • 2.5% transfer fee in first 90 days from account opening, 3% thereafter
  • 24 months 0% on purchases and balance transfers
18.9% APR
Representative (variable)
24
 months
0%interest on transfers
2.5%
Transfer fee
24
 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)
Halifax 26 Month Balance Transfer Credit Card

Halifax 26 Month Balance Transfer Credit Card

2016 award winner

Halifax 26 Month Balance Transfer Credit Card

  • 2.95% effective balance transfer fee for first 90 days, 3% fee thereafter
  • Manage your card with online and mobile banking
18.9% APR
Representative (variable)
26
 months
0%interest on transfers
2.95%
Effective transfer fee
26
 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)
Bank of Scotland 32 Month Balance Transfer Credit Card

Bank of Scotland 32 Month Balance Transfer Credit Card

Bank of Scotland 32 Month Balance Transfer Credit Card

  • 32 months 0% on balance transfers made in first 90 days
  • 0.8% balance transfer fee within 90 days of account opening (3% thereafter)
  • 12 months 0% on purchases
18.9% APR
Representative (variable)
32
 months
0%interest on transfers
0.8%
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
  • 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 32 Month Balance Transfer Credit Card

Lloyds 32 Month Balance Transfer Credit Card

Lloyds 32 Month Balance Transfer Credit Card

  • 0.8% balance transfer fee within 90 days of account opening (3% thereafter)
  • 32 months 0% on balance transfers made in first 90 days
  • 12 months 0% on purchases
18.9% APR
Representative (variable)
32
 months
0%interest on transfers
0.8%
Transfer fee
12
 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)
TSB Platinum 20 month Purchase and BT MasterCard

TSB Platinum 20 month Purchase and BT MasterCard

TSB Platinum 20 month Purchase and BT MasterCard

  • ClickSafe internet fraud protection
  • Manage your credit card and current account together
18.9% APR
Representative (variable)
20
 months
0%interest on transfers
2.95%
Transfer fee
20
 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 18.94% (variable) per annum, your representative APR is 18.9% APR (variable)
Capital One Balance Transfer Card

Capital One Balance Transfer Card

Capital One Balance Transfer Card

  • 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
34.9% APR
Representative (variable)
6
 months
0%interest on transfers
3.0%
Transfer fee
Can I get this card?
?
To get this card you must at least:
  • 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.

Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your representative APR is 34.9% APR (variable)
HSBC Credit Card

HSBC Credit Card

HSBC Credit Card

  • 0% interest on purchases for 3 months
  • 0% on balance transfers for 32 months
  • The APR is dependent on your personal circumstances
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
  • 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)
Barclaycard Platinum 24 Month Balance Transfer

Barclaycard Platinum 24 Month Balance Transfer

2016 award winner

Barclaycard Platinum 24 Month Balance Transfer

  • Get 0% on transfers with no transfer fee
  • 3.5% transfer fee refunded to 0% within 2 working days
  • Six months 0% on purchases
18.9% APR
Representative (variable)
24
 months
0%interest on transfers
0.0%
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 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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Halifax 32 Month Balance Transfer Credit Card

Halifax 32 Month Balance Transfer Credit Card

2016 award winner

Halifax 32 Month Balance Transfer Credit Card

  • 0.7% balance transfer fee within 90 days of account opening (3% thereafter)
  • Manage your card online using Online Banking and Mobile Banking
  • 12 months 0% on purchases
18.9% APR
Representative (variable)
32
 months
0%interest on transfers
0.7%
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
  • 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)
Sainsbury’s Bank Dual Credit Card

Sainsbury’s Bank Dual Credit Card

Sainsbury’s Bank Dual Credit Card

  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
18.9% APR
Representative (variable)
27
 months
0%interest on transfers
3.0%
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
  • 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)
AA Low Rate Credit Card

AA Low Rate Credit Card

AA Low Rate Credit Card

  • One simple low rate for balance transfers and purchases
  • Manage your account on the go with the AA Credit Card app
  • No balance transfer fee and annual fee
6.4% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • must have a 'Excellent' credit rating
  • be aged 18 years or over and UK resident
  • have a current bank or building society account
  • be employed, retired or a homemaker with an annual income of over £8,000 excluding unemployment benefits
  • not have any outstanding CCJs
  • no balance transfers from: Post Office or Bank of Ireland

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 6.4% (variable) per annum, your representative APR is 6.4% APR (variable)
Virgin 32 Month Money Transfer Credit Card

Virgin 32 Month Money Transfer Credit Card

2016 award winner

Virgin 32 Month Money Transfer Credit Card

  • 1.69% transfer fee
  • 32 months 0% for money transfers; 3 months 0% for purchases
19.9% APR
Representative (variable)
32
 months
0%interest on transfers
1.69%
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 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Sainsbury's Bank 33 month Balance Transfer Credit Card

Sainsbury's Bank 33 month Balance Transfer Credit Card

Sainsbury's Bank 33 month Balance Transfer Credit Card

  • 1.5% balance transfer fee in the first 3 months refunded to 0.69% (3% thereafter, £3 min fee at all times)
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
18.9% APR
Representative (variable)
33
 months
0%interest on transfers
0.69%
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)
Bank of Scotland Classic Credit Card

Bank of Scotland Classic Credit Card

Bank of Scotland Classic Credit Card

  • 18 months 0% on balance transfers made in first 90 days
  • 3% balance transfer fee
  • 9 months 0% on purchases
27.9% APR
Representative (variable)
18
 months
0%interest on transfers
3.0%
Transfer fee
9
 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 27.9% (variable) per annum, your representative APR is 27.9% APR (variable)
MBNA Platinum 41 Month Credit Card

MBNA Platinum 41 Month Credit Card

MBNA Platinum 41 Month Credit Card

  • 3.45% balance transfer fee for the first 60 days, 20.9% APR and 5% fee thereafter
  • 20 months 0% money transfers (4% transfer fee for first 60 days, 22.9 APR and 5% thereafter)
18.9% APR
Representative (variable)
41
 months
0%interest on transfers
3.45%
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)
thinkmoney Credit Card

thinkmoney Credit Card

thinkmoney Credit Card

  • Manage your account online and with a smartphone
  • 60 second eligibility QuickCheck that will not affect your credit score
  • Suitable for people looking to rebuild their credit profile
35.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • be able to show some history of managing credit

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 35.94% (variable) per annum, your representative APR is 35.9% 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)
Chrome Credit Card 29.3% APR (variable)

Chrome Credit Card 29.3% APR (variable)

Chrome Credit Card 29.3% 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
29.3% 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 29.3% (variable) per annum, your representative APR is 29.3% APR (variable)
Sainsbury’s Bank 40 month Balance Transfer Credit Card

Sainsbury’s Bank 40 month Balance Transfer Credit Card

Sainsbury’s Bank 40 month Balance Transfer Credit Card

  • 2.89% balance transfer fee in the first 3 months (3% thereafter, £3 minimum fee applies at all times)
18.9% APR
Representative (variable)
40
 months
0%interest on transfers
2.89%
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)
MBNA 5 Credit Card

MBNA 5 Credit Card

MBNA 5 Credit Card

  • 4.9% for up to 60 months on purchases (8.9% APR thereafter)
  • 4.9% for up to 60 months on balance and money transfers, 0.5% fee (8.9% APR thereafter)
  • 4.9% offer applies to transfers and purchases made in the first 60 day
8.9% APR
Representative (variable)
60
 months
4.9%interest on transfers
0.5%
Transfer fee
60
 months
4.9%interest on purchases
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
  • have a good credit history
  • hold a UK bank or building society account
  • eligibility check - see if you qualify without affecting your credit rating. depending on 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 8.9% (variable) per annum, your representative APR is 8.9% APR (variable)
The AA Balance Transfer Credit Card

The AA Balance Transfer Credit Card

The AA Balance Transfer Credit Card

  • 0% on balance transfers for up to 37 months. Terms apply
  • 2.5% balance transfer fee
  • 0% on purchases for 3 months
19.9% APR
Representative (variable)
37
 months
0%interest on transfers
2.5%
Transfer fee
3
 months
0%interest on purchases
Can I get this card?
?
To get this card you must at least:
  • must have a 'Excellent' credit rating
  • be aged 18 years or over and UK resident
  • have a current bank or building society account
  • be employed, retired or a homemaker with an annual income of over £8,000 excluding unemployment benefits
  • not have any outstanding CCJs
  • no balance transfers from: Post Office or Bank of Ireland

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 40 month Balance Transfer Credit Card

Sainsbury’s Bank Nectar 40 month Balance Transfer Credit Card

Sainsbury’s Bank Nectar 40 month Balance Transfer Credit Card

  • 2.89 balance transfer fee refunded to 1.95% on transfers made in the first 3 months (3% thereafter, £3 fee minimum at all times)
  • Balance transfer fee refund only available to nectar cardholders (terms apply)
  • Nectar Cardholders Exclusive – you must enter your Nectar card number when you apply
18.9% APR
Representative (variable)
40
 months
0%interest on transfers
1.95%
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 18.9% (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

  • 3.49% balance transfer fee within 60 days, 20.9% APR and 5% fee thereafter
  • 20 months 0% money transfers (4% transfer fee for first 60 days, 22.9 APR and 5% thereafter)
18.9% APR
Representative (variable)
41
 months
0%interest on transfers
3.49%
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 from 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)
nuba all round credit card

nuba all round credit card

£20 Amazon voucher

nuba all round credit card

  • Up to 25 months 0% on balance transfers (2.39% fee) in first 60 days, 20.9% p.a. with 5 % fee thereafter
  • Up to 25 months 0% on money transfer (4% fee) in first 60 days, 22.9% p.a with 5% fee thereafter
18.9% APR
Representative (variable)
25
 months
0%interest on transfers
2.39%
Transfer fee
25
 months
0%interest on purchases
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
  • have a good credit history
  • hold a UK bank or building society account
  • 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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Sainsbury's Bank Nectar 33 month Balance Transfer Credit Card

Sainsbury's Bank Nectar 33 month Balance Transfer Credit Card

Sainsbury's Bank Nectar 33 month Balance Transfer Credit Card

  • 1.5% balance transfer fee in the first 3 months refunded to 0.64% (3% thereafter, £3 min fee at all times)
  • Nectar Cardholders Exclusive - you must enter your Nectar card number when you apply
18.9% APR
Representative (variable)
33
 months
0%interest on transfers
0.64%
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)
MBNA Platinum 40 Month Credit Card

MBNA Platinum 40 Month Credit Card

MBNA Platinum 40 Month Credit Card

  • 2.35% balance transfer fee for the first 60 days, 20.9% APR and 5% fee thereafter
  • 20 months 0% money transfers (4% transfer fee for first 60 days, 22.9 APR and 5% thereafter)
18.9% APR
Representative (variable)
40
 months
0%interest on transfers
2.35%
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)
Sainsbury’s Bank 35 month Balance Transfer Credit Card

Sainsbury’s Bank 35 month Balance Transfer Credit Card

Sainsbury’s Bank 35 month Balance Transfer Credit Card

  • 1.5% balance transfer fee in the first 3 months (3% thereafter, £3 min fee at all times)
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
18.9% APR
Representative (variable)
35
 months
0%interest on transfers
1.5%
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)

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 is a no annual fee credit card?

It is a no frills form of credit card that does not charge an up-front annual fee to use.

Many cards have no annual fees and making them easy to manage, provided you meet the minimum monthly repayments.

What to watch out for

You will still be charged to use a no-fee credit card, but this will be “hidden” through having fewer card-rewards or higher interest rates.

It is not a “free” to use card as there will still be interest charges and transfer fees to pay, as well as late payment fees if you miss any monthly repayments on due balances.

You could also be charged additional fees for using your card overseas, unless your credit card offers no foreign fees as a benefit. There are specific travel credit cards for this purpose.

Rewards no annual fee credit card?

Typically a no-annual fee card is a simple no-nonsense credit card that just does exactly what it says on the tin, if you want a card simply to make credit purchases with or to transfer a balance to, this is the card for you.

However, you will enjoy less rewards than with a card that charges an annual fee to use, this is the trade-off of having a cheaper card. But many supermarket no annual fee credit cards still do offer retail point schemes that can help you save on your grocery shopping.

Will I get the best interest rates with a no-annual fee credit card?

It's unlikely, the interest rates will typically be slightly higher than a card that charges a fee to compensate, but you should still enjoy competitive interest rates.

With or without an annual fee, getting the best interest rates depends on your credit score, a credit card for those with bad credit can charge interest as high as 59% whereas with good credit can typically be around 15%.

Most cards offer interest free introductory periods, depending on whether it’s a balance transfer or purchase card.

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.