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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
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Barclaycard Low Rate Platinum Credit Card

Barclaycard Low Rate Platinum Credit Card

Barclaycard Low Rate Platinum Credit Card

  • Low interest on purchases and balance transfers
  • No annual fee
6.9% APR
Representative (variable)
More info
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

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 6.9% (variable) per annum, your representative APR is 6.9% 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

  • Offer only available until 28 December 2017
  • Up to 10,000 bonus Nectar points. Each time you spend £35 on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply
  • 1.5% transfer fee refunded to 0% within 60 days on transfers made in the first 3 months (3% thereafter, £3 minimum fee)
18.9% APR
Representative (variable)
28
 months
0% interest on transfers
0.0%
Effective transfer fee
3
 months
0% interest on purchases
More info
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)
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
More info
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)
American Express Platinum Cashback Everyday Credit Card

American Express Platinum Cashback Everyday Credit Card

2017 award winner

American Express Platinum Cashback Everyday Credit Card

  • 5% cashback in your first three months (up to £100)
  • Up to 1% cashback thereafter
22.9% APR
Representative (variable)
More info
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)
Halifax 29 Month Balance Transfer Credit Card

Halifax 29 Month Balance Transfer Credit Card

Halifax 29 Month Balance Transfer Credit Card

  • 0% fee for transfers in first 90 days, 3% fee thereafter
  • 3 months 0% on purchases
  • You may be eligible to apply for this as a second credit card. Terms apply
18.9% APR
Representative (variable)
29
 months
0% interest on transfers
0.0%
Transfer fee
3
 months
0% interest on purchases
More info
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

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)
B credit card

B credit card

B credit card

  • Purchases and balance transfers at 9.9% (Variable)
  • No fees for foreign purchases (excludes cash withdrawals)
  • No fees for balance transfers
9.9% APR
Representative (variable)
More info
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 9.9% (variable) per annum, your representative APR is 9.9% APR (variable)
Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

  • 32 months 0% interest on balance transfers made within 90 days of account opening
  • 0.8% fee for transfers in first 90 days, 3% fee thereafter
18.9% APR
Representative (variable)
32
 months
0% interest on transfers
0.8%
Transfer fee
12
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • have no CCJs (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank 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

  • 1.4% fee applies on Balance Transfers (minimum £5)
18.9% APR
Representative (variable)
32
 months
0% interest on transfers
1.4%
Transfer fee
3
 months
0% interest on purchases
More info
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)
Bank of Scotland Platinum 25 Month Balance Transfer Card

Bank of Scotland Platinum 25 Month Balance Transfer Card

Bank of Scotland Platinum 25 Month Balance Transfer Card

  • 25 months 0% on balance transfers
  • 0% fee on balance transfers within the first 90 days, 3% thereafter
  • You may be eligible to apply for this as a second credit card. Terms apply
18.9% APR
Representative (variable)
25
 months
0% interest on transfers
0.0%
Transfer fee
3
 months
0% interest on purchases
More info
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 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)
Chrome 24.7% Credit Card

Chrome 24.7% Credit Card

Chrome 24.7% Credit Card

  • 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)
More info
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)

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.