Compare Credit Cards

Post Office Platinum

Annual Fee:

£0

0% Balance Transfer:

0% for 18 months

0% Purchases:

0% for 28 months

APR Interest Rate:

18.9%

Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Post Office Matched

Annual Fee:

£0

0% Balance Transfer:

0% for 25 months

0% Purchases:

0% for 25 months

APR Interest Rate:

19.9%

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).

Asda Cashback Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% for 12 months

0% Purchases:

0% for 06 months (on purchases of £200 or more at George.com)

APR Interest Rate:

19.9%

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).

Asda Cashback Plus Credit Card

Annual Fee:

£36 p.a.

0% Balance Transfer:

0% for 15 months

0% Purchases:

0% for 06 months (on purchases of £200 or more at George.com)

APR Interest Rate:

26.2%

Representative example: When 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).

Post Office Balance Transfer Card

Annual Fee:

£0

0% Balance Transfer:

0% for 32 months

0% Purchases:

0% for 03 months

APR Interest Rate:

19.9%

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).

Vanquis Chrome Card

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

29.3%

Representative example: When you spend £1,000 at a purchase rate of 29.30% (variable) per annum, your representative APR is 29.3% APR (variable).

Asda Cashback Start Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

34.9%

Representative example: When you spend £1,200 at a purchase rate of 34.90% (variable) per annum, your representative APR is 34.9% APR (variable).

Vanquis Aquis Card

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

29.8%

Representative example: When you spend £1,000 at a purchase rate of 29.84% (variable) per annum, your representative APR is 29.8% APR (variable).

Vanquis Visa Classic Card

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

39.9%

Representative example: When you spend £1,000 at a purchase rate of 39.94% (variable) per annum, your representative APR is 39.9% APR (variable).

Barclaycard Platinum

Annual Fee:

£0

0% Balance Transfer:

0% for 27 months

0% Purchases:

0% for 27 months

APR Interest Rate:

19.9%

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).

Clydesdale Bank Gold Mastercard

Annual Fee:

£0

0% Balance Transfer:

0% for 12 months

0% Purchases:

0% for 26 months

APR Interest Rate:

18.9%

Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Bank of Scotland Platinum Balance Transfer Card

Annual Fee:

£0

0% Balance Transfer:

0% for 20 months

0% Purchases:

0% for 20 months

APR Interest Rate:

19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).

Barclaycard Freedom Rewards

Annual Fee:

£0

0% Balance Transfer:

0% for 12 months

0% Purchases:

0% for 12 months

APR Interest Rate:

21.9%

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) per annum, your representative APR is 21.9% APR (variable).

Nationwide Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% for 12 months

0% Purchases:

0% for 12 months

APR Interest Rate:

17.9%

Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).

Bank of Scotland Classic Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% for 18 months

0% Purchases:

0% for 09 months

APR Interest Rate:

27.9%

Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) per annum, your representative APR is 27.9% APR (variable).

John Lewis Partnership Card

Annual Fee:

£0

0% Balance Transfer:

0% for 18 months

0% Purchases:

0% for 09 months

APR Interest Rate:

18.9%

Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Saga Platinum Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% for 09 months

0% Purchases:

0% for 09 months

APR Interest Rate:

11.9%

Representative example: When you spend £1,200 at a purchase rate of 11.29% (variable) per annum, your representative APR is 11.9% APR (variable).

Barclaycard Initial

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

0% for 03 months

APR Interest Rate:

34.9%

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

Capital One Balance Transfer

Annual Fee:

£0

0% Balance Transfer:

0% for 12 months

0% Purchases:

0% for 03 months

APR Interest Rate:

24.9%

Representative example: When you spend £1,200 at a purchase rate of 24.93% (variable) per annum, your representative APR is 24.9% APR (variable).

HSBC Balance Transfer

Annual Fee:

£0

0% Balance Transfer:

0% for 32 months

0% Purchases:

0% for 03 months

APR Interest Rate:

21.9%

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) per annum, your representative APR is 21.9% APR (variable).

American Express Nectar Credit Card

Annual Fee:

£25 p.a.

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

28.2%

Representative example: When 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).

American Express Platinum Cashback Everyday

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

22.9%

Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable).

Aqua Advance

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

34.9%

Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) per annum, your representative APR is 34.9% APR (variable).

Aqua Classic

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

35.9%

Representative example: When you spend £1,200 at a purchase rate of 35.95% (variable) per annum, your representative APR is 35.9% APR (variable).

Aqua Reward

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

34.9%

Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) per annum, your representative APR is 34.9% APR (variable).

Aqua Start

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

49.9%

Representative example: When you spend £300 at a purchase rate of 49.94% (variable) per annum, your representative APR is 49.9% APR (variable).

B Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

9.9%

Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) per annum, your representative APR is 9.9% APR (variable).

Bank of Scotland Low Rate Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

6.4%

Representative example: When you spend £1,200 at a purchase rate of 6.45% (variable) per annum, your representative APR is 6.4% APR (variable).

British Airways American Express Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

22.9%

Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable).

British Airways American Express Premium Plus Card

Annual Fee:

£195 p.a.

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

76.0%

Representative example: When 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)

Capital One Classic Card

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

34.9%

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

Debenhams Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% for 12 months

0% Purchases:

APR Interest Rate:

24.9%

Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) per annum, your representative APR is 24.9% APR (variable).

HSBC Classic Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

29.9%

Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) per annum, your representative APR is 29.9% APR (variable).

Marbles Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

34.9%

Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) per annum, your representative APR is 34.9% APR (variable).

Virgin Atlantic Black Credit Card

Annual Fee:

£140 p.a.

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

57.4%

Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) per annum, with a £140 annual fee, your representative APR is 57.4% APR (variable).

Virgin Atlantic White Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

APR Interest Rate:

22.9%

Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable).

How to 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.

Compare Credit Cards

Post Office Platinum

Post Office Matched

Asda Cashback Credit Card

Asda Cashback Plus Credit Card

Post Office Balance Transfer Card

Vanquis Chrome Card

Asda Cashback Start Credit Card

Vanquis Aquis Card

Vanquis Visa Classic Card

Barclaycard Platinum

Clydesdale Bank Gold Mastercard

Bank of Scotland Platinum Balance Transfer Card

Barclaycard Freedom Rewards

Nationwide Credit Card

Bank of Scotland Classic Credit Card

John Lewis Partnership Card

Saga Platinum Credit Card

Barclaycard Initial

Capital One Balance Transfer

HSBC Balance Transfer

American Express Nectar Credit Card

American Express Platinum Cashback Everyday

Aqua Advance

Aqua Classic

Aqua Reward

Aqua Start

B Credit Card

Bank of Scotland Low Rate Credit Card

British Airways American Express Credit Card

British Airways American Express Premium Plus Card

Capital One Classic Card

Debenhams Credit Card

HSBC Classic Credit Card

Marbles Credit Card

Virgin Atlantic Black Credit Card

Virgin Atlantic White Credit Card

How to compare credit cards

1. Decide what you need a credit card for

2. Narrow down your credit card type

3. Compare credit card features

4. Check your credit score and credit report

5. Apply for the credit card

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