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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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Popularity APR Balance transfer Purchases
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)
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)
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)
HSBC Credit Card

HSBC Credit Card

£25 cashback

HSBC Credit Card

  • £25 cashback if you use the card to make a purchase or balance transfer of at least £100 within 60 days
  • Offer only available until 1 March 2018 (terms apply)
  • 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)
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)
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 29.84% (variable) per annum, your representative APR is 29.8% APR (variable)
Virgin Money 27 Month All Round Credit Card

Virgin Money 27 Month All Round Credit Card

Virgin Money 27 Month All Round Credit Card

  • 27 months 0% for balance transfers, money transfers and purchases
  • 2.90% balance transfer fee
  • 4% money transfer fee
18.9% APR
Representative (variable)
27
 months
0% interest on transfers
2.9%
Transfer fee
27
 months
0% interest on purchases
More info
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)
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)
30
 months
0% interest on transfers
2.75%
Transfer fee
30
 months
0% interest on purchases
More info
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)
British Airways American Express® Credit Card

British Airways American Express® Credit Card

2017 award winner

British Airways American Express® Credit Card

  • 5,000 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)
More info
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)
MBNA 5 Credit Card

MBNA 5 Credit Card

MBNA 5 Credit Card

  • 4.9% p.a. for up to 60 months (5 years) on purchases (8.9% APR thereafter)
  • 4.9% p.a. for up to 60 months (5 years) on balance and money transfers with a 0.5% fee
  • 4.9% p.a. applies to transfers made in the first 60 days, 8.9% APR and 0.99% fee for any transfers thereafter
8.9% APR
Representative (variable)
60
 months
4.9% interest on transfers
0.5%
Transfer fee
60
 months
4.9% interest on purchases
More info
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 8.9% (variable) per annum, your representative APR is 8.9% 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 25 March 2018
  • Up to 10,000 bonus Nectar points. Each time you spend £40 or more 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)

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.