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Compare Credit Cards

Cheap Credit Cards
Low APR from 6.4% (APR Representative)

Our experts have selected of the best cheap credit cards available on the market. Use the tabs to compare credit cards for more specific purposes including 0% balance transfer , 0% purchases , cash back , rewards and credit building (adverse credit) credit cards.

Our Expert choice:Barclaycard Platinum With BT

Our Expert Choice Credit Card

0% interest on balance transfers for 34 months from account opening (2.99% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.99% by a refund.

  • 0% interest on purchases for 9 months from account opening.
  • 18.9% APR Representative Variable.

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Expert Choice Credit Cards
Balance Transfers Purchases
Credit Card Rate Duration Fee Rate Duration Representative APR Apply
Barclaycard
0.0% 34
Months
2.99% 0.0% 9
Months
18.9% APR
Representative variable
0% interest on balance transfers for 34 months from account opening (2.99% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.99% by a refund (terms and conditions apply). 0% interest on purchases for 9 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Barclaycard Platinum With BT (34 Mths)

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Santander
0.0% 23
Months
0.0% 0.0% 23
Months
16.5% APR
Representative variable

Earn cashback on your everyday spending: 1% cashback at all major supermarkets, 2% cashback at all major departments stores, 3% cashback at all major petrol stations and on National Rail and Transport for London travel (on combined spend of up to £300 a month). Terms & Conditions apply. 0% for 23 months on balance transfers & purchases from account opening. 16.5% APR Representative (Variable). Annual fee and terms apply. If you already have, or if you open any of Santander's 1I2I3 Current Accounts, Santander will refund the first year's annual fee on your 1I2I3 Credit Card. Contactless payments on items below £20. Subject to status. 

Representative Example: If you borrow £1200 at a purchase rate of 12.7% p.a.(variable), with an £24 annual fee, you will pay 16.5% APR Representative (variable).

Santander | 123 Credit Card

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Sainsburys Bank
0.0% 18
Months
3.0% 0.0% 18
Months
18.9% APR
Representative variable

Sainsbury's Nectar Purchase Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card or use it online. 0% interest on balance transfers for the first 18 months from account opening (3% balance transfer fee applies). 0% on purchases for the first 18 months from account opening. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel. One Nectar point for every £5 spent on your card elsewhere. No monthly or annual fee. No cash advance fee on Sainsbury's Travel Money purchases.

Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Credit Card

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Santander
0.0% 15
Months
0.0% 0.0% 15
Months
18.9% APR
Representative variable
0% for 15 months on balance transfers and purchases from the date of account opening. No balance transfer fee. No annual fee.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Santander | Credit Card

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Tesco Bank
0.0% 12
Months
0.0% 0.0% 12
Months
18.9% APR
Representative variable
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 18.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card with No BT Fee

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Halifax
0.0% 33
Months
2.8% 0.0% 6
Months
18.9% APR
Representative variable

Balance Transfer offer - exclusively available online only. 0% for up to 33 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 33 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 33 or 30 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 27 months and a representative rate of 25.9% APR (variable). 2.8% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 0.2% within 90 days, so the effective fee is 2.8%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for 6 months from account opening on purchases.

Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (33 Mths)

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Lloyds Bank
0.0% 33
Months
2.85% 0.0% 6
Months
18.9% APR
Representative variable
0% interest for up to the first 33 months on balances transferred within the first 90 days after your account is opened.  Balance transfer fee refund - An initial 3% fee applies, but we refund 0.15% within 90 days, so the effective fee is 2.85%. The fee and refund applies to each balance transfer made in the first 90 days after account opening, after which a 3% fee applies. 0% interest on purchases for the first 6 months after your account is opened. Worldwide use - Accepted in over 33 million MasterCard locations worldwide.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (33 Mths)

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Bank of Scotland
0.0% 33
Months
2.85% 0.0% 6
Months
18.9% APR
Representative variable
0% for up to 33 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best offer of 0% on balance transfers for the first 33 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 30 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 27 months and a representative rate of 25.9% APR (variable). 2.85% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 0.15% within 90 days, so the effective fee is 2.85%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for the first 6 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (33 Mths)

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Sainsburys Bank
0.0% 33
Months
2.89% 0.0% 6
Months
18.9% APR
Representative variable
Sainsbury's Nectar Balance Transfer Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card. 0% balance transfers for the first 33 months from account opening. (2.89% fee applies during the first 3 months from account opening, then 3% onwards). 0% on purchases for the first 6 months from account opening. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel. One Nectar point for every £5 spent on your card elsewhere. No monthly or annual fee. No cash advance fee on Sainsbury's Travel Money purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Balance Transfer Credit Card

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Tesco Bank
0.0% 33
Months
2.9% 0.0% 3
Months
18.9% APR
Representative variable
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 18.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card (Balance Transfer)

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Barclaycard
0.0% 33
Months
2.79% 0.0% 9
Months
18.9% APR
Representative variable
0% interest on balance transfers for 33 months from account opening (2.79% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.79% by a refund (terms and conditions apply). 0% interest on purchases for 9 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Barclaycard Platinum With BT (33 Mths)

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Halifax
0.0% 19
Months
2.0% 0.0% 16
Months
18.9% APR
Representative variable
0% for 19 months on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a rate of either 21.9% APR (variable), or 25.9% APR (variable). 2% fee applies on each balance transfer made in the first 90 days. 3% fee applies for each balance transfer made after the first 90 days. 0% for the first 16 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | All in One Credit Card

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Tesco Bank
0.0% 3
Months
2.9% 0.0% 19
Months
18.9% APR
Representative variable
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 16.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card (Purchase)

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Avios
0.0% 18
Months
3.0% 0.0% 16
Months
23.7% APR
Representative variable
A brand new Credit Card Account from Lloyds Bank has taken off – and it’s packed with travel rewards. The Avios Rewards Credit Card Account. No foreign transaction fees. Flight Upgrade Voucher when your spend reaches £7,000 in a year. 0% on balance transfers for 18 months and purchases for 16 months (balances transferred within the first 90 days, 3% fee applies). Collect 1.25 Avios per £1 spent on the Lloyds Bank Avios Rewards American Express® Card. Collect 1.25 Avios per £5 spent on the Lloyds Bank Avios Rewards MasterCard®. Collect double Avios on eligible spend for the first 6 months on the Avios Rewards American Express® Card. Double Avios for 6 months with your American Express® Card.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), with an £24 annual fee, you will pay 23.7% APR Representative (variable).

Avios | Lloyds Bank Avios Rewards Credit Card (MCard)

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Lloyds Bank
0.0% 18
Months
2.0% 0.0% 16
Months
18.9% APR
Representative variable
Saving - 0% interest for up to the first 18 months on balances transferred within the first 90 days after your account is opened. Balance transfer fee of 2.0% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter. Shopping – 0% interest on purchases for the first 16 months after your account is opened.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (18 Mths)

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Avios
0.0% 18
Months
3.0% 0.0% 16
Months
52.1% APR
Representative variable
A new exclusive Credit Card Account from Lloyds Bank has taken off – and it’s packed with travel rewards. The Premier Avios Rewards Credit Card Account. No foreign transaction fees. Flight Upgrade Voucher with annual spend of £5,000. Worldwide Companion Ticket with annual spend of £12,000. 0% on balance transfers for 18 months and purchases for 16 months (balances transferred within the first 90 days, 3% fee applies). Double Avios for 6 months with your American Express® Card. Collect 1.5 Avios per £1 spent on the Lloyds Bank Premier Avios Rewards American Express® Card. Collect 1.5 Avios per £5 spent on the Lloyds Bank Premier Avios Rewards MasterCard®. Annual account fee of £140.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), with an £140 annual fee, you will pay 52.1% APR Representative (variable).

Avios | Lloyds Bank Premier Avios Rewards (MCard)

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Bank of Scotland
0.0% 18
Months
2.0% 0.0% 16
Months
18.9% APR
Representative variable
Exclusively available online: a balance transfer offer, with a 2% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% for 18 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a representative rate of either 21.9% APR (variable), or 25.9% APR (variable). 2% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for 16 months from account opening on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (18 Mths)

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Sainsburys Bank
0.0% 12
Months
0.5% 0.0% 12
Months
18.9% APR
Representative variable
Sainsbury's Nectar Low Balance Transfer Fee Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Plus, you'll get 0% on purchases and balance transfers for 12 months from account opening. 0.5% balance transfer fee (minimum £3) during the first 3 months from account opening, then 3% onwards. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel (plus 1 point per litre when you also swipe your Nectar card). One Nectar point for every £5 spent on your card elsewhere. 
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Low BT Fee Credit Card

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Barclaycard
0.0% 23
Months
2.49% 0.0% 14
Months
18.9% APR
Representative variable
0% interest for 14 months on purchases and 0% for 23 months on balance transfers. A fee of 3.5% will be applied, then reduced to 2.49% by a refund (terms and conditions apply).
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum Purchase

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Halifax
0.0% 15
Months
0.8% 0.0% 15
Months
17.9% APR
Representative variable
This Halifax Credit Card has a low 0.8% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% up to the first 15 months on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best representative rate of 17.9% APR (variable). Others will get a representative rate of either 21.9% APR (variable), or 25.9% APR (variable). 0% for the first 15 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (15 Mths)

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Tesco Bank
0.0% 3
Months
2.9% 0.0% 17
Months
18.9% APR
Representative variable
1000 Clubcard points if you make a purchase or transfer a balance within 2 months of account opening. Card only available if you apply online.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Purchase card with 1000 points

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Lloyds Bank
0.0% 10
Months
0.4% 0.0% 10
Months
18.9% APR
Representative variable
Saving - 0% interest for up to the first 10 months on balances transferred within the first 90 days after your account is opened.0.4% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 2.6% within 90 days, so the effective fee is 0.4%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. Shopping – 0% interest on purchases for the first 10 months after your account is opened.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (10 Mths)

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Bank of Scotland
0.0% 10
Months
0.4% 0.0% 10
Months
18.9% APR
Representative variable
Our lowest balance transfer fee - we'll refund 2.6% of the initial 3% fee, so the effective fee is 0.4%. Applies to balance transfers in the first 90 days from account opening. Offer exclusively available online only. 0% for 10 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a representative rate of either 21.9% APR (variable), or 25.9% APR (variable). 0.4% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 2.6% within 90 days, so the effective fee is 0.4%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for 10 months from account opening on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (10 Mths)

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Halifax
0.0% 10
Months
0.4% 0.0% 10
Months
18.9% APR
Representative variable
0% for 10 months on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a rate of either 21.9% APR (variable), or 25.9% APR (variable). 0.4% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 2.6% within 90 days, so the effective fee is 0.4%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for 10 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (10 Mths)

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TSB
0.0% 28
Months
3.0% 0.0% 3
Months
18.9% APR
Representative variable
0% interest for up to 28 months on balances transferred within the first 90 days (3% fee). 0% on purchases for the first 3 months. Representative 18.9% APR (variable). 
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

TSB | Platinum Balance Transfer Card - (28 Mths)

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AA
0.0% 28
Months
2.9% 0.0% 3
Months
18.9% APR
Representative variable
0% for up to 28 months from the date your account is opened on balance transfers made in the first 60 days, with a handling fee of just 2.9%, minimum of £3. 0% on all card spending for up to 3 months from the date your account is opened. Money transfers are available at 0% for up to 28 months from the date your account is opened and made within the first 60 days (4% fee, minimum of £3).
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

AA | Balance Transfer Credit Card

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Nationwide Building Society
0.0% 15
Months
0.65% 0.0% 3
Months
17.9% APR
Representative variable
0.65% balance transfer fee (minimum £5). Balance transfer fee of 0.65% applies for the first 3 months of account opening, after which time it will revert to 2.4%. 0% on balance transfers for 15 months. 0% on purchases for 3 months. Spread the cost of purchases at 0%.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Nationwide Building Society | Credit Card (Low Fee Balance Transfer)

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TSB
0.0% 15
Months
0.8% 0.0% 3
Months
17.9% APR
Representative variable
0% interest for up to 15 months on balances transferred within the first 90 days (0.8% fee, this will increase to 3% after 90 days from account opening). 0% on purchases for the first 3 months. Representative 17.9% APR (variable). 
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

TSB | Platinum Balance Transfer Card - (15 Mths)

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Nationwide Building Society
0.0% 26
Months
2.4% 0.0% 3
Months
17.9% APR
Representative variable
Nationwide Credit Card - 0% on balance transfers for 26 months (2.4% balance transfer fee applies, minimum £5.00), plus 0% on purchases for 3 months. 17.9% APR representative variable.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Nationwide Building Society | Credit Card (Balance Transfer)

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American Express
N/A N/A N/A N/A N/A 19.9% APR
Representative variable
5% cashback during your first three months on up to £2,000 in purchases. After the first three months you’ll earn up to 1.25% cashback, depending on how much you spend on the Card: Spend £0 to £3,500 and receive 0.5% cashback on that spend. Spend between £3,500 and £7,500, receive 1% cashback on that spend. Spend over £7,501 and receive 1.25% cashback on that spend. As long as you spend a minimum of £3,000 in a year, almost every full pound you spend on your Card qualifies for cashback.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), you will pay 19.9% APR Representative (variable).

American Express | Platinum Cashback Everyday Card

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Barclaycard
0.0% 24
Months
1.25% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 2 years from account opening (1.25% fee applies). A fee of 2% will be applied, then reduced to 1.25% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (24 Mths)

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Royal Bank of Scotland
N/A N/A N/A N/A N/A 17.4% APR
Representative variable
Up to 1% cashback at participating retailers and supermarkets; 0.5% on all other spend. 1% on all contactless payments until 31st March 2015. Annual fee £24.00.
Representative Example: If you borrow £1200 at a purchase rate of 12.9% p.a.(variable), with an £24 annual fee, you will pay 17.4% APR Representative (variable).

Royal Bank of Scotland | Cashback Plus

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Barclaycard
0.0% 18
Months
2.9% 0.0% 3
Months
24.9% APR
Representative variable
0% interest on balance transfers for 18 months from account opening (2.9% handling fee applies). 0% interest on purchases for 3 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 24.9% p.a.(variable), you will pay 24.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (18 Mths)

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NatWest
N/A N/A N/A N/A N/A 17.4% APR
Representative variable
Up to 1% cashback at participating retailers and supermarkets; 0.5% on all other spend. 1% on all contactless payments until 31st March 2015. Annual fee £24.00.
Representative Example: If you borrow £1200 at a purchase rate of 12.9% p.a.(variable), with an £24 annual fee, you will pay 17.4% APR Representative (variable).

NatWest | Cashback Plus

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Capital One
N/A N/A N/A N/A N/A 29.8% APR
Representative variable
Great for; For people with bad credit or who are looking to improve their current rating – even if they have had problems with credit in the past. Credit limit from £200 to £1,500. Response in 60 seconds.

But be aware that; You must have had credit in the UK before. You must not have been declared Bankrupt in the last 12 months.
Representative Example: If you borrow £1200 at a purchase rate of 29.84% p.a.(variable), you will pay 29.8% APR Representative (variable).

Capital One | Classic Platinum Card

Capital One
N/A N/A N/A N/A N/A 34.9% APR
Representative variable
For people with bad credit or who are looking to improve their current rating. Credit limit from £200 to £1,500. Easy application with a response in 60 seconds.
Representative Example: If you borrow £1200 at a purchase rate of 34.94% p.a.(variable), you will pay 34.9% APR Representative (variable).

Capital One | Classic Card

Capital One
N/A N/A N/A N/A N/A 34.9% APR
Representative variable
£10 annual bonus if you pay on time each month. 0.5% cashback rewards on everything you buy. Response in 60 seconds.
Representative Example: If you borrow £1200 at a purchase rate of 34.94% p.a.(variable), you will pay 34.9% APR Representative (variable).

Capital One | Classic Extra Card

Barclaycard
0.0% 9
Months
2.9% 0.0% 6
Months
21.9% APR
Representative variable

Rewards range from the high street, online favourites, places to eat and drink, to top entertainment and days out. Earn points wherever you shop, with double Freedom points on your UK supermarket, petrol station and all Transport for London (TfL) spend, plus triple points at selected Freedom partners - BHS, Bella Italia, Café Rouge, Goldsmiths and Strada (terms and conditions apply). 0% interest on balance transfers for the first 9 months (2.9% fee applies). 0% interest on purchases for 6 months from account opening.

Representative Example: If you borrow £1200 at a purchase rate of 21.9% p.a.(variable), you will pay 21.9% APR Representative (variable).

Barclaycard | Freedom Rewards

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Lloyds Bank
0.0% 18
Months
3.0% 0.0% 16
Months
23.7% APR
Representative variable
Get a choice of rewards for your everyday spend. 0% interest for the first 13 months on purchases and on balances transferred within the first 90 days (3% fee applies). Collect 10 Choice points for every £1 of eligible spend on the Choice Rewards American Express®. Whether it’s cashback, shopping vouchers, magazines subscriptions or even travel rewards through Avios, you’ll get to choose the reward you want, when you want. Get there quicker – with double Choice points on eligible spend¹ for the first 6 months on your American Express Card.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), with an £24 annual fee, you will pay 23.7% APR Representative (variable).

Lloyds Bank | Choice Rewards Credit Card (MCard)

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Hilton HHonors
0.0% 15
Months
2.99% N/A N/A 18.9% APR
Representative variable
Earn a free night e-certificate, for one weekend night at many participating hotels in the Hilton Worldwide portfolio, when you spend £750 in the first 90 days (terms and conditions apply). ​Enjoy HHonors Silver status for as long as you are a card member. Earn an upgrade to HHonors Gold status any time your total spending reaches £10,000 in a calendar year. Earn 3 HHonors Bonus Points for every £1 you spend at hotels and resorts within the Hilton Worldwide portfolio. Earn 2 HHonors Bonus Points for every £1 you spend on everyday purchases. Plus, earn 2,500 HHonors Bonus Points for each of your first 4 stays at a hotel or resort within the Hilton Worldwide portfolio. Stays must be within the first 12 months of opening your account and be paid for using your Hilton HHonors Platinum Visa Card. 0% on balance transfers for 15 months from account opening (2.99% fee applies).
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Hilton HHonors | Platinum Credit Card

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Bank of Scotland
6.45% 3
Months
0.0% N/A N/A 6.4% APR
Representative variable
This offer is exclusively available online only. Low representative rate of 6.4% APR (variable). At least 51% of customers will get a representative rate of 6.4% APR (variable). Others will get a rate of 10.9% APR (variable), or 14.9% APR (variable). One simple rate for both balance transfers and purchases. Minimum £100 balance transfer. 0% fee on balance transfers within the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. Credit available subject to status, to UK residents aged 18 or over. You can transfer balances to us (£100 minimum) from most credit cards and some store cards, excluding other Bank of Scotland products. All promotional rates apply from the date we open your account. You must pay at least the minimum payment by the due date each month and stay within your credit limit to keep promotional rates.
Representative Example: If you borrow £1200 at a purchase rate of 6.45% p.a.(variable), you will pay 6.4% APR Representative (variable).

Bank of Scotland | Low Rate Credit Card

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Lloyds Bank
6.45% 3
Months
0.0% N/A N/A 6.4% APR
Representative variable
Lloyds Bank Platinum Low Rate Credit Card. Benefits: A representative rate of 6.4% APR (variable) on purchases and balances transferred. No balance transfer fee applies on balances transferred within the first 90 days of opening the account, a 3% fee applies thereafter. Worldwide use – Accepted in over 36 million MasterCard locations worldwide.
Representative Example: If you borrow £1200 at a purchase rate of 6.45% p.a.(variable), you will pay 6.4% APR Representative (variable).

Lloyds Bank | Platinum Low Rate Credit Card

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NatWest
N/A N/A N/A N/A N/A 11.1% APR
Representative variable
No confusing introductory offers. A simple, low rate for balance transfers and purchases – 6.9% p.a. (variable). No balance transfer fees – just one annual fee of £24. Representative 11.1% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 6.9% p.a.(variable), with an £24 annual fee, you will pay 11.1% APR Representative (variable).

NatWest | Clear Rate Platinum Credit Card

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Royal Bank of Scotland
N/A N/A N/A N/A N/A 11.1% APR
Representative variable
No confusing introductory offers. A simple, low rate for balance transfers and purchases – 6.9% p.a. (variable). No balance transfer fees – just one annual fee of £24. Representative 11.1% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 6.9% p.a.(variable), with an £24 annual fee, you will pay 11.1% APR Representative (variable).

Royal Bank of Scotland | Clear Rate Platinum Credit Card

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Argos
N/A N/A N/A N/A N/A 39.9% APR
Representative variable
Start with a manageable credit limit between £150 and £1000. You could get a credit limit increase on your 4th statement (Conditions apply). And further increases every 4 months, up to £3,000 (Conditions apply). To be considered for a credit limit increase, please keep all your credit agreements in order by paying on time, making use of your existing credit limit without going over your credit limit, and not taking on too much debt elsewhere. This is only a guide and meeting these criteria does not guarantee you a credit limit increase. Representative 39.9% APR (variable). You must not have applied for a Vanquis, Granite, Aquis or Black Diamond Card within the last 6 months. Do not apply for the Argos Credit Card if you currently hold a Vanquis, Granite, Aquis or Black Diamond Card. Credit is provided by Vanquis Bank Limited.
Representative Example: If you borrow £1000 at a purchase rate of 39.94% p.a.(variable), you will pay 39.9% APR Representative (variable).

Argos | Credit Card

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TSB
0.0% 13
Months
1.0% 0.0% 13
Months
17.9% APR
Representative variable
0% on purchases for the first 13 months. 0% interest for the first 13 months on balances transferred within the first 90 days (1% fee, this will increase to 3% after 90 days from account opening). Representative 17.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

TSB | Platinum Purchase Card

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AA
0.0% 12
Months
3.0% 0.0% 10
Months
16.9% APR
Representative variable
0% for 12 months from the date your account is opened, on balance transfers made in the first 90 days (3% fee). 0% for 10 months on all card purchases from the date your account is opened.
Representative Example: If you borrow £1200 at a purchase rate of 16.9% p.a.(variable), you will pay 16.9% APR Representative (variable).

AA | Rewards Credit Card

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Nationwide Building Society
N/A N/A N/A 0.0% 15
Months
17.9% APR
Representative variable
Nationwide Credit Card - 0% on purchases for 15 months. 17.9% APR representative variable.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Nationwide Building Society | Credit Card (Purchases)

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Barclaycard
N/A N/A N/A 0.0% 3
Months
34.9% APR
Representative variable

Can help to build your credit rating. Suitable if your financial situation has been improving. You must be over 18 years of age, earn over £3,000 a year and not be unemployed. You must not have been made bankrupt in the last six years – including having an Individual Voluntary Arrangement or Debt Relief Order. You must not have more than one County Court Judgement or recently missed a bill payment. Manageable credit limits from £150 - £1,200. Great for: being able to reduce your interest rate by always paying on time and staying within your credit limit. 0% interest on purchases for 3 months from account opening. Barclaycard have made improvements their product/offering and as a result are now accepting more people than ever before onto Barclaycard Initial.

Representative Example: If you borrow £1200 at a purchase rate of 34.9% p.a.(variable), you will pay 34.9% APR Representative (variable).

Barclaycard | Initial Credit Card

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American Express
N/A N/A N/A N/A N/A 18.7% APR
Representative variable
Enjoy a generous 5% cashback on virtually everything you buy for 3 months, on up to £2,500 in purchases. After the introductory period you’ll receive 1.25% cashback on virtually everything you buy – not just for a limited period. 2.5% cashback in the first month of every year if you spend more than £10,000 in your previous 12 months.
Representative Example: If you borrow £1200 at a purchase rate of 14.0% p.a.(variable), with an £25 annual fee, you will pay 18.7% APR Representative (variable).

American Express | Platinum Cashback Credit Card

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Nectar
N/A N/A N/A N/A N/A 25.0% APR
Representative variable
20,000 Nectar bonus points welcome offer – worth £100 to spend with Nectar partners (when Cardmembers spend £2,000 in their first 3 months). First year’s Cardmembership fee of £25 is on us. Collect 2 points for virtually every full £1 spent on the Card. Collect up to 4 points for virtually every full £1 spent at Nectar partners. Complimentary Supplementary Card for a family member, so you can collect even more Nectar points when they use the Card.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), you will pay 25.0% APR Representative (variable).

Nectar | Credit Card

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TSB
4.9% 12
Months
3.0% 0.0% 6
Months
11.9% APR
Representative variable
0% interest on purchases for the first 6 months. 4.9% p.a. interest for the first 12 months on balances transferred within the first 90 days (3% fee applies). Representative 11.9% APR (variable), interest charged from the date of the transaction.
Representative Example: If you borrow £1200 at a purchase rate of 11.95% p.a.(variable), you will pay 11.9% APR Representative (variable).

TSB | Advance Credit Card

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Capital One
N/A N/A N/A N/A N/A 19.9% APR
Representative variable
5% cashback on anything you buy for the first three months (max. £200) and up to 2% cashback after that. For people with a perfect credit rating. £120 annual fee. Concierge service.
Representative Example: If you borrow £12000 at a purchase rate of 17.57% p.a.(variable), with an £120 annual fee, you will pay 19.9% APR Representative (variable).

Capital One | Aspire Elite Card

TSB
0.0% 6
Months
3.0% N/A N/A 17.9% APR
Representative variable
The great thing about having two cards on one account is the flexibility to collect Avios as fast as possible. Together, they combine great collection rates with worldwide acceptance, so it’s worth carrying both when you shop. You'll collect Avios on almost every purchase you make on a TSB Avios American Express® Card and Avios for every £5 of eligible spend on the TSB Avios Mastercard®. Collect in over 32 million MasterCard locations, and millions of American Express merchants on the high street and around the world. Collect double Avios on your eligible spend abroad. 0% for 6 months on balances transferred within the first 90 days (3% fee applies). You'll also collect 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider. ‘You'll collect 1 Avios on almost every £1 you spend on the TSB Avios American Express® Card and 1 Avios for every £5 of eligible spend on the TSB Avios MasterCard®
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

TSB | Avios Credit Card (MCard)

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TSB
0.0% 6
Months
3.0% N/A N/A 23.7% APR
Representative variable
You’ll collect 25% more Avios with the Premier Avios Credit Cards than with the Avios Credit Cards on eligible spend, and if your eligible spend is over £15,000 on your Cards in a year, you’ll get a Companion Ticket so you can take someone special away. Collect 1.25 Avios for every £1 of eligible spend on the Premier Avios American Express® Card and 1.25 Avios for every £5 of eligible spend on the Premier Avios MasterCard®. Collect in over 32 million MasterCard locations, and millions of American Express merchants on the high street and around the world. Collect double Avios on your eligible spend abroad. Companion Ticket with £15,000 of eligible spend in one year. 0% for the first 6 months on balances transferred within the first 90 days (3% fee applies). You'll also collect 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider.
Representative Example: If you borrow £1200 at a purchase rate of 13.95% p.a.(variable), with an £50 annual fee, you will pay 23.7% APR Representative (variable).

TSB | Premier Avios Credit Card (MCard)

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Aquis
N/A N/A N/A N/A N/A 29.8% APR
Representative variable
Managing your money couldn’t be simpler with an Aquis Visa card. You’ll have 24/7 control of your account with Online and SMS Account Management. And if you’re new to credit or have had a few credit issues lately, the Aquis Visa card can help you rebuild your credit rating. Representative 29.8% APR (variable). Apply today - and get back on track with an Aquis Visa card. Credit has been provided by Vanquis Bank Limited.
Representative Example: If you borrow £1000 at a purchase rate of 29.84% p.a.(variable), you will pay 29.8% APR Representative (variable).

Aquis | Credit Card

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MoneyExpert Ltd is a Credit Intermediary and receives commission payments for all credit cards referrals made on our website. This does not apply to Tesco Bank, NatWest and Royal Bank of Scotland. The rates displayed in this table are updated on a daily basis.

What are credit cards?

Credit cards provide an easy and convenient method for purchasing goods and paying for services, especially when on the go. Making payments with your credit is essentially like taking out a short term loan. You’re only required to begin covering the balance of your payments at the end of the month when you receive your credit card statements. At which point you can cover the debt in full, meaning that you pay no interest on the money you borrowed, or you can pay in instalments (which usually means paying interest on top of the amount you borrowed. It’s important to select the right card for your individual circumstances in order to make sure that you are able to pay for the goods and services you need and so that you do not end up paying more interest than you need to.

How do I select the best card for me?

It’s best to compare the different cards available to you based on your individual requirements. Once you know what you’re likely to be using your credit card to buy and how convenient it is going to be for your to pay off the balance, then it will be more obvious which card is right for you. Also your credit rating will dictate to an extent which cards will be available to you. For advice catered to your individual situation please feel free to call us for specialist guidance on selecting the right card for you.

Using our comparison site

Our comparison site will provide you with up to date information about the different credit card presently available to, to enable you to select the best card for your individual requirements. We display the important features of a wide range of different credit cards to help you make the most informed decision possible. It’s important to compare the different kinds of credit cards available, as the cards can vary greatly in the advantages and disadvantages they offer.

What are the different cards available?

[Purchase cards: These will give you an introductory rate on spending. Interest rates can be extremely low, even 0%, allowing you to buy expensive items and then spread the payment over a few months. Thus they can provide you with an easy way to borrow a relatively large amount of money will paying a small amount of interest.

[Reward cards: Each time you spend you will receive a reward. Some cards offer cash back, points which can be used to purchase goods and air-miles. However to take advantage of reward cards you’ll need a good credit rating in as the balance must be cleared at the end of each month.

[Platinum cards: These cards are designed for high earners, and as such have a very high credit limit. They often come with added extras like travel insurance, medical insurance and discounts on things like hotels.

[Low interest credit cards: These cards start out with interest rates as low as 0% and therefore can be quite attractive. However after the initial low interest introductory period, the interest can increase to as much as 15%, so it is advisable to be wary when applying for one of these credit cards.

[Cashback credit cards: For the first few months you will receive cash back on your purchases. The amount will often be in the region of 5% and then after the introductory period will reduce to as little as 0.5%.

When considering which card is best for you it is important to select a card for which your application is likely to be accepted. Whether you are application is accepted can be based on a range of different factors, from your credit rating to your monthly income.

How do I know which credit cards I’m likely to be accepted for?

Certain cards are designed for individuals in specific circumstances. For example [Platinum cards are designed for those with a good credit rating and who are on a high income. Reward cards are designed for those who need to use their credit card regularly but who are able to reliably cover the balance of their monthly expenditure. There are also a range of [cards for individuals who have a poor credit rating] .

View our guide to credit cards

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