Compare Credit Cards

  • Compare credit cards from top UK providers
  • Search by type of credit card
  • Sort by APR %, Balance Transfer & Purchase Period
Post Office Matched Credit Card Credit Card
APR Rate
19.90%
Balance Transfer
25 Months
Representative Example: When you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).

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How to compare credit cards

Compare Credit Cards

With so many credit cards available in the UK, it's difficult sometimes to decide which card is the best credit card for you. Here is our simple five-point process to choosing the right card.

1. Decide what you need a credit card for

For example, are you looking to make a large purchase and repay it back on 0% interest or perhaps you are looking to transfer an existing debt from one card to another. You may be looking to build up your credit history or earn rewards points each time you spend. You may simply want a credit card for convenience and pay off the balance in full each month.

2. Narrow down your credit card type

Whatever your reasons for wanting a credit card, narrow down the type of card you need from the credit card menu provided. This will restrict the list of cards to those that are most applicable to you.

3. Compare credit card features

From this list, compare the features of the card such as the APR rate, 0% Balance Transfer period, 0% Purchase period or any rewards you are looking for. Visit each provider using the button link to view the full list of credit card features for that card.

4. Check your credit score and credit report

Before applying for the credit card, consider taking a look at your current UK credit score and credit report. Credit card companies will usually look at this information in order to make a decision regarding your application.

A poor credit history or no credit history may mean you are declined for that particular card. By applying for the card before checking your credit score, you might be further damaging your credit score profile.

Check out our comparison table of credit score and credit report providers.

5. Apply for the credit card

When you have finally decided which credit card to apply for, use the button provided on the comparison table to take you to the provider's website.

Credit CardAPR0% Balance Transfer0% PurchaseRepresentative Example:
Aqua Advance


  • Reduce your rate over three years if you stay within your credit limit and you pay on time

  • No extra fees on what you spend abroad

  • Decision within 5 minutes

34.90%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 34.95% (variable) per annum, your representative APR is 34.9% APR (variable).Apply
Aqua Classic


  • Starting credit limit of £250 - £1,200

  • Free text reminders and credit report

  • Can improve your credit rating if you manage your finances well, including by staying within limit and making payments on time

35.90%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 35.95% (variable) per annum, your representative APR is 35.9% APR (variable).Apply
Aqua Reward


  • 0.5% Cashback (up to £100 per annum) on whatever you buy if you stay within your credit limit and you pay on time

  • An initial credit limit between £250-£1,200 – which could go up later

  • No extra fees on what you spend abroad

  • ou can run your account online

  • Manageable monthly payments and ability to change your payment date

34.90%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 34.95% (variable) per annum, your representative APR is 34.9% APR (variable).Apply
Aqua Start


  • Starting credit limit of £100 - £300

  • UK based customer service

  • Start building your credit rating

49.90%0 Months0 MonthsWhen you spend £300 at a purchase rate of 49.94% (variable) per annum, your representative APR is 49.9% APR (variable).Apply
Asda Cashback Credit Card


  • Unlimited Cashback vouchers - 1% at ASDA.com, Asda stores, Asda Living, Asda petrol stations and George.com plus 0.2% everywhere else

  • 10% cashback on selected Asda insurance products

  • See if you're eligible before applying without affecting your credit score

  • Get an instant decision

  • Winner of Best Credit Card Product of the Year – Card and Payment Awards 2017

19.90%12 Months0 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
Asda Cashback Plus Credit Card


  • Get twice as much cashback as you would with Asda Cashback card.

  • Unlimited cashback wherever you shop

  • See if you're eligible before applying without affecting your credit score

26.20%15 Months0 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, with a £3 monthly fee, your representative APR is 26,2% APR (variable).Apply
Asda Cashback Start Credit Card


  • Get your credit rating back on track

  • Repair credit rating whilst earning cashback

  • See if you're eligible before applying without affecting your credit score

34.90%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 34.90% (variable) per annum, your representative APR is 34.9% APR (variable).Apply
B Credit Card


  • Super-smart budgeting when used with the B app

  • Contactless payments via Apply Pay and Google Pay

9.90%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 9.9% (variable) per annum, your representative APR is 9.9% APR (variable).Apply
Bank of Scotland Classic Credit Card


  • Cover against online fraud

  • Manage your account online or banking app

  • Decision within 5 minutes

27.90%18 Months09 MonthsWhen you spend £1,200 at a purchase rate of 27.95% (variable) per annum, your representative APR is 27.9% APR (variable).Apply
Bank of Scotland Low Rate Credit Card


  • Cover against online fraud

  • Manage your account online or banking app

  • Decision within 5 minutes

6.40%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 6.45% (variable) per annum, your representative APR is 6.4% APR (variable).Apply
Bank of Scotland Platinum Balance Transfer Card (24 Months)


  • Cover against online fraud

  • Manage your account online or banking app

  • Decision within 5 minutes

19.90%24 Months24 MonthsWhen you spend £1,200 at a purchase rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
Bank of Scotland Platinum Balance Transfer Card (30 Months)


  • Cover against online fraud

  • Manage your account online or banking app

  • Decision within 5 minutes

19.90%30 Months12 MonthsWhen you spend £1,200 at a purchase rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
Barclaycard Freedom Rewards


  • Everytime you spend on your card you'll earn Freedom Points

  • Redeem points for great rewards - £1=2 points at supermarkets, petrol stations and Transport for London. £1=1 point everywhere else.

  • No limit to number of earned points

21.90%12 Months12 MonthsWhen you spend £1,200 at a purchase rate of 21.9% (variable) per annum, your representative APR is 21.9% APR (variable).Apply
Barclaycard Initial


  • Starting credit limit between £150 - £1,200

  • Free ongoing access to Experian Credit Score (conditions apply)

  • Could help build your credit rating

34.90%0 Months03 MonthsWhen you spend £1,200 at a purchase rate of 34.9% (variable) per annum, your representative APR is 34.9% APR (variable).Apply
Barclaycard Platinum Balance Transfer (26 Months)


  • Free ongoing access to Experian Credit Score (conditions apply)

  • Contactless payments of £30 and under

  • Manage your account online

19.90%26 Months06 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
Barclaycard Platinum Balance Transfer (35 Months)


  • Free ongoing access to Experian Credit Score (conditions apply)

  • Contactless payments of £30 and under

  • Manage your account online

19.90%35 Months06 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
Barclaycard Platinum Low Rate


  • Free ongoing access to Experian Credit Score (conditions apply)

  • Contactless payments of £30 and under

  • Manage your account online

6.90%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 6.9% (variable) per annum, your representative APR is 6.9% APR (variable).Apply
Barclaycard Platinum No Fee Balance Transfer (26 Months)


  • Free ongoing access to Experian Credit Score (conditions apply)

  • Contactless payments of £30 and under

  • Manage your account online

19.90%26 Months06 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
Barclaycard Platinum Credit Card All-Rounder


  • Free ongoing access to Experian Credit Score (conditions apply)

  • Contactless payments of £30 and under

  • Manage your account online

19.90%27 Months27 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
Barclaycard Platinum Travel


  • No non-sterling transaction fees on your foreign spend and ATM withdrawals until 31 August 2022. After this, the fee returns to 2.99%.

  • Protection on purchases over £100 so if there’s a problem, you could be covered for a refund

19.90%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
British Airways American Express Credit Card


  • 5,000 bonus Avios welcome offer if you spend £1,000 in first 3 Months of card membership

  • Collect 1 Avios for virtually every £1 spent

  • Travel accident insurance and Global Assist

  • 2-for-1 travel with a companion

22.90%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable).Apply
British Airways American Express Premium Plus Card


  • 25,000 bonus Avios welcome offer if you spend £1,000 in first 3 Months of card membership

  • Collect 1.5 Avios for virtually every £1 spent

  • Collect 3 Avios for every £1 spent with British Airways or BA Holidays

  • Travel accident insurance, Travel inconvenience insurance and Global Assist

  • 2-for-1 travel with a companion voucher when you spend £10,000 each year

76.00%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 22.9% (variable) per annum, with a £195 annual fee, your representative APR is 76.0% APR (variable).Apply
Capital One Balance Transfer


  • For people with an excellent credit rating

  • Credit limit up to £6,000

24.90%12 Months03 MonthsWhen you spend £1,200 at a purchase rate of 24.93% (variable) per annum, your representative APR is 24.9% APR (variable).Apply
Capital One Classic Card


  • For people with bad credit or building credit

  • Starting credit limit of £200 - £1,500

  • Up to two optional credit increases per year

34.90%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 34.94% (variable) per annum, your representative APR is 34.9% APR (variable).Apply
Clydesdale Bank Gold Mastercard


  • Contactless and mobile payments via Apple Pay and Google Pay

  • Access to Mastercard Priceless Cities events & offers

  • View your balance and recent transactions using mobile/internet banking

18.90%12 Months26 MonthsWhen you spend £1,200 at a purchase rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).Apply
Debenhams Credit Card


  • 500 bonus Debenhams Credit Card points worth a £5 voucher in your welcome book

  • Earn 3 points for every £1 you spend at Debenhams on your Debenhams Credit Card and 1 point for every £2 you spend everywhere else

  • Free Travel Money and preferential rates at the Debenhams Travel Money bureau when you pay with your Debenhams Credit Card

  • Contactless payments with Apple Pay, Google Pay and Samsung Pay

  • Manage your card online

24.90%12 Months0 MonthsWhen you spend £1,200 at a purchase rate of 24.9% (variable) per annum, your representative APR is 24.9% APR (variable).Apply
HSBC 32 Month Balance Transfer


  • Enjoy cashback and rewards with Visa Offers

  • Get instant discounts from well-known brands with Home&Away rewards programme

  • View your balance and recent transactions using mobile/internet banking

  • Contactless payments with Apple Pay, Google Pay and Samsung Pay

  • Manage your card online

19.90%32 Months03 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
HSBC Duel Credit Card


  • Enjoy cashback and rewards with Visa Offers

  • Get instant discounts from well-known brands with Home&Away rewards programme

  • View your balance and recent transactions using mobile/internet banking

  • Contactless payments with Apple Pay, Google Pay and Samsung Pay

  • Manage your card online

22.90%26 Months26 MonthsWhen you spend £1,200 at a purchase rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable).Apply
HSBC Classic Credit Card


  • Exclusively available to HSBC bank account customers

  • Up to £1,000 credit available

  • Build or improve your credit rating

  • Contactless payments with Apple Pay, Google Pay and Samsung Pay

  • Manage your card online

29.90%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 29.9% (variable) per annum, your representative APR is 29.9% APR (variable).Apply
John Lewis Partnership Card


  • Earn points when you spend

  • Redeem points into vouchers

  • Vouchers sent 3 times a year

  • Add up to 3 cardholders

18.90%18 Months09 MonthsWhen you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).Apply
Marbles Credit Card


  • Credit limit up to £1,500

  • QuickCheck won't affect your credit rating

  • Get a fast response in 60 seconds

  • View your account on mobile app

  • Contactless payments up to £30

34.90%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 34.95% (variable) per annum, your representative APR is 34.9% APR (variable).Apply
Nationwide Credit Card


  • Simply Rewards cashback offers

  • Cashback money goes straight to your card within 5 working days of each qualifying purchase

  • Manage account online or with banking app

  • Contactless payments

17.90%12 Months12 MonthsWhen you spend £1,200 at a purchase rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).Apply
Ocean Credit Card


  • Credit limit up to £1,500

  • QuickCheck won't affect your credit rating

  • Get a fast response in 60 seconds

  • View your account on mobile app

  • Contactless payments up to £30

39.90%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 39.94% (variable) per annum, your representative APR is 39.9% APR (variable).Apply
Post Office Balance Transfer Credit Card


  • Contactless Payments

  • Manage your account via app

  • See if you're eligible before applying without affecting your credit score

18.90%35 Months03 MonthsWhen you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).Apply
Post Office Matched Credit Card


  • Contactless Payments

  • Manage your account via app

  • See if you're eligible before applying without affecting your credit score

  • Buy Post Office Travel Money with no fee

19.90%25 Months25 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
Post Office Platinum Credit Card


  • Contactless Payments

  • Manage your account via app

  • See if you're eligible before applying without affecting your credit score

  • Buy Post Office Travel Money with no fee

18.90%18 Months28 MonthsWhen you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).Apply
Virgin Atlantic Reward Credit Card


  • Earn Flying Club miles every day

  • Earn 5,000 bonus miles with your first card purchase within 90 days of opening your account

  • 0.75 Flying Club miles for every £1 you spend on everyday card purchases. 1.5 miles for every £1 you spend with Virgin Atlantic or Virgin Holidays*

  • Choose from an upgrade to Premium or a Companion ticket when you spend £20,000 in a year

22.90%06 Months0 MonthsWhen you spend £1,200 at a purchase rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable).Apply
Virgin Atlantic Reward Plus Credit Card


  • Earn Flying Club miles faster

  • Earn 15,000 bonus miles with your first card purchase within 90 days of opening your account

  • 1.5 Flying Club miles for every £1 you spend on everyday card purchases. 3 miles for every £1 you spend with Virgin Atlantic or Virgin Holidays*

  • Choose from an upgrade to Premium or a Companion ticket when you spend £10,000 in a year

63.90%06 Months0 MonthsWhen you spend £1,200 at a purchase rate of 22.9% (variable) per annum, with a £160 annual fee, your representative APR is 63.9% APR (variable).Apply
American Express Nectar Credit Card

  • 20,000 Nectar bonus points welcome offer

  • Collect 2 points for virtually every full £1 spent on card

  • Collect up to 4 points for every full £1 spent at Nectar partners

  • New benefits in partnership with Hertz

  • See if you're eligible before applying without affecting your credit score

28.20%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 22.9% (variable) per annum, with a £25 annual fee, your representative APR is 28.2% APR (variable).Apply
American Express Platinum Cashback Everyday

  • Get 5% cashback on your purchase (up to £100) for the first 3 Months of card membership

  • Enjoy selected offers from retail and travel partners

  • Travel accident insurance and 24/7 Global assist

  • See if you're eligible before applying without affecting your credit score

22.90%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable).Apply
Credit card comparison rates as of August 2018
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