Your cookie preferences


We use cookies and similar technologies. You can use the settings below to accept all cookies (which we recommend to give you the best experience) or to enable specific categories of cookies as explained below. Find out more by reading our Cookie Policy.

Select cookie preferences

Skip to main content

Visa credit cards

Compare Visa credit cards

Visa provides credit cards and debit cards for hundreds of banks and credit card issuers worldwide.

Visa credit cards

Enter a few details about yourself to find our best Visa credit card deal for you
Uswitch.com is rated Excellent | by 23,601 people
Fact checker
Last updated
February 9th, 2024
15 results found, sorted by popularity.

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

Barclaycard Platinum Balance Transfer (20/21) (31.9%)

Representative APR (variable)
31.9%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 31.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 31.9% (variable).

HSBC Balance Transfer Credit Card (26 Mths)

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 made within 60 days of account opening for 26 months from the date of transfer
  • You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
Eligibility
  • You must have an annual income/pension before tax of £6,800 or more
  • You must be a resident of the UK, Channel Islands or Isle of Man
  • You must be over 18
  • The APR is dependent on your personal circumstances
  • No balance transfers from HSBC, First Direct, Marks and Spencer or John Lewis

HSBC Purchase Plus Credit Card

Representative APR (variable)
24.9%APR
Interest on balance transfers
0%for16months with a3.49%fee (£5 min.)
Interest on purchases
0%for18months
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
  • 16 months 0% on balance transfers made within the first 60 days
  • 18 months 0% on purchases
  • 3.49% fee applied on Balance Transfers (minimum £5) for balances transferred after the first 60 days
  • ,
  • You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
Eligibility
  • Have an annual income/pension before tax of £6,800 or more
  • Be a resident of the UK, Channel Islands or Isle of Man
  • Be over 18, and not hold an HSBC Basic Bank Account
  • additional criteria for acceptance from the lender may apply

Barclaycard Forward Credit Card (6 Mths) - Semi Excl

Representative APR (variable)
33.9%APR
Interest on balance transfers
33.9%p.a. variable
Interest on purchases
0%for6months
Representative example:
The standard interest rate on purchases is 33.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 33.9% (variable).

Barclaycard Forward Credit Card

Representative APR (variable)
33.9%APR
Interest on balance transfers
33.9%p.a. variable
Interest on purchases
0%for3months
Representative example:
The standard interest rate on purchases is 33.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 33.9% (variable).
More Information
Additional information
  • 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.
  • Forward Card Price Promise – 3% cash and purchase interest rate reduction if you make all your payments on time for the first year. Keep it going in the second year and you’ll get another 2% reduction.
Eligibility
  • be a permanent UK resident
  • be 18 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
  • employed, with an income of more than £3,000 per annum
  • additional criteria for acceptance from the lender may apply

Barclaycard Rewards Credit Card

Representative APR (variable)
28.9%APR
Interest on balance transfers
28.9%p.a. variable
Interest on purchases
28.9%p.a. variable
Representative example:
The standard interest rate on purchases is 28.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 28.9% (variable).
More Information
Additional information
  • 0.25% cashback on all your spend
  • No fees on purchases abroad as long as you pay in the local currency then you won’t pay fees on non-sterling purchases
  • Register for Barclaycard Cashback Rewards and you can earn up to 15% cashback when you spend at a range of participating retailers. This is on top of the 0.25% cashback you’d get on everyday spend with the Barclaycard Rewards card. 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

Barclaycard Rewards - Excl

Representative APR (variable)
31.9%APR
Interest on balance transfers
31.9%p.a. variable
Interest on purchases
31.9%p.a. variable
Representative example:
The standard interest rate on purchases is 31.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 31.9% (variable).
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 Visa card?

A woman is holding a credit card and looking at her laptop

Visa is a payment system that is recognised all around the world. Card providers, including banks, can choose to issue their credit cards and debit cards using Visa’s payment system.

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

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

Visa has partnerships with a lot of big banks and financial service companies including Barclays and HSBC in the UK.

Number of Visa cards in circulation worldwide[1]
2.1bn

Pros and cons of Visa credit cards

Pros

Accepted at almost all ATMs and the vast majority of shops online and in store
Visa has its own security protection - Verified by Visa - to make sure the real owner is who's using the card online
You can get perks like cashback and other rewards with some Visa credit cards

Cons

Credit cards can be an expensive way to borrow money if you fall behind on bills
To get the best Visa credit cards you'll need an excellent credit score
Missing or being late with payments could damage your credit score

How are Visa credit cards different from other cards?

For the owner, a Visa credit card or debit card works in almost exactly the same way as a Mastercard or American Express card.

You can use it to buy items in store, online, or via the contactless payment scheme or take money out of an ATM.

If it is a Visa credit card, then you will receive a monthly statement from your bank or financial services provider detailing all the purchases you have made in that month.

The only small difference is that, if used abroad, Visa sets its own exchange rates. These are generally very similar to those set by Mastercard or American Express, but not identical.

But there is a difference between Visa, Mastercard and American Express cards for shops.

The difference is the fee charged to the shop for you using the card there - known as the interchange fee.

Different card providers can charge different amounts to shops, which is why not all cards are accepted everywhere.

Charging a high fee means cards can offer better rewards, but shops are less likely to accept them.

You can see Visa's current interchange fees here.

Watch: What should and shouldn't you use your credit card for

What is the best Visa credit card in the UK I should get?

The best Visa credit card is the one that offers the benefits that are most suitable for your lifestyle.

For example, you might want a rewards credit card that gives you points, cashback or frequent flyer miles.

Or you might want to find a Visa credit card that offers the best deal on balance transfers, or the lowest interest rate.

You can use our comparison tool below to find the best Visa credit card for you.

Compare Visa credit cards

See our best Visa deals, pre-selected for you
1
Answer a few simple questions about yourself
2
We match you with the Visa cards you're most likely to get
3
Your credit score won't be affected by the search
Trust Pilot stars

How to apply for a Visa credit card

You can use our comparison tool to find out which of the Visa credit cards on offer might be the best credit card for you. You can choose to list the cards by:

  • Popularity – how popular they are

  • Lowest APR – 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 once you've made a purchase before you have to pay interest on it.

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.

Once you have used our eligibility checker, or if you're ready to apply for a Visa credit card, you will need to put in a few personal details and then wait to see if your application has been successful.

With most cards, you should get an initial response in a couple of minutes. If the Visa credit card issuer needs to talk to you in more detail, they might ring you.

If your application is successful, you should receive your new card in a few days, after the card issuer has made some background checks.

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."

About Visa

Visa has provided credit and debit cards to banks and card issuers since 1958, pioneering the idea of electronic payment by card.

The company was founded in California, but has expanded to provide card payment services for many banks, merchants and issuers around the world.

Visa credit cards are now accepted in more than 100 million merchant locations across the globe and there are more than 1 million Visa ATMs worldwide.

Visa transactions in 2020[1]
188billion

Visa credit card FAQs

How do I use a Visa credit card?

You use a Visa credit card just like any other credit card. You pay for goods and services and then will receive a monthly statement showing your transactions.

You will need to pay off some balance each month.

How to pay with a Visa credit card

If you are buying online, you will need to put in your card details and the security number on the back of your card.

Visa has introduced an extra level of security for online payments, called Visa Secure, which helps to prevent fraud.

If you are paying in person you will need to put in your PIN number, use contactless (if the amount is under £100) or sign for your purchase.

Why should I choose a Visa credit card?

Visa credit and debit cards are usually accepted at all electronic payment locations and ATMs, as are Mastercards, so you don’t need to worry about selecting a card based on how widely it will be accepted.

The ‘Visa Secure’ scheme helps to protect you from card fraud when using your Visa card to make online purchases. Visa, like Mastercard and other card providers, offers a guarantee to repay your money if you fall victim to card fraud.

Visa cards are protected by Chip and PIN and many recently issued cards have contactless payment for sums up to £100.

What's the difference between Visa and Mastercard?

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.

However, 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. Amazon threatened to stop accepting Visa in early 2022, but quickly backtracked on the decision.

From a user perspective, the only real difference is the exchange rate charged on foreign purchases. Traditionally, these have been very close to each other, but Mastercard has offered a very slightly better rate a little more often than Visa has.

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.

Customer Reviews

Rated 4.7 out of 5
by 23,601 people

References

1. Credit card statistics 2023 Money.co.uk