Compare the

Best Credit Cards

Compare UK credit cards to find the best deals for you!
Balance Transfers Credit Card DefinitionPurchases Credit Card DefinitionRepresentative APR (Variable) Credit Card DefinitionRewards Credit Card Definition
Halifax Balance Transfer
HalifaxBalance Transfer
0%28 months
2.45% fee
0%6 months
18.9%APR
  • No rewards
  • 0% on balance transfers for 28 months
  • Low transfer fee, your fee is reduced from 3% to just 2.45%
  • 0% for the first 6 months on purchases
  • Manage your card online using Online and Mobile Banking
  • Covered against online fraud on the Internet
  • Around the clock service
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Representative Example: Based on a credit limit of £1,200 charged at 18.95% (variable) p.a. for purchases. Representative 18.9% APR (variable).
Nationwide Credit Card
NationwideCredit Card
0%20 months
3.1% fee
0%3 months
15.9%APR
  • Shopping
  • Travel
  • 0% on balance transfers for 20 months
  • Ideal for overseas spending
  • Commission free foreign transactions
  • Simply Rewards scheme - offers on major brands
  • Good credit history required
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Representative Example: Based on a credit limit of £1,200 charged at 15.9% (variable) p.a. for purchases. Representative 15.9% APR (variable).
Halifax All in One
HalifaxAll in One
0%15 months
0.8% fee
0%15 months
17.9%APR
  • No rewards
  • 0% on balance transfers for 15 months
  • Low transfer fee, your fee is reduced from 3% to just 0.8%
  • 0% on purchases for 15 months
  • Manage your card online using Online and Mobile Banking
  • Online fraud protection
  • Around the clock service
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Representative Example: Based on a credit limit of £1,200 charged at 17.95% (variable) p.a. for purchases. Representative 17.9% APR (variable).
American Express Platinum Cashback Credit Card
American ExpressPlatinum Cashback
No offer
14%
18.5%APR
  • Cashback
  • 5% cashback for the first 3 months (up to £2000 spend)
  • Thereafter standard 1.25% cashback
  • 2.5% cashback every year in the month following your card anniversary
  • No cap on cashback earnings
  • £25 Annual fee
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Representative Example: Based on a credit limit of £1,200 charged at 14.0% (variable) p.a. for purchases with £25 annual fee. 18.5% APR (variable).
AA Balance Transfer Credit Card
AABalance Transfer Credit Card
0%16 months
2.9% fee
0%3 months
17.9%APR
  • Motoring
  • Shopping
  • Vouchers
  • AA Reward Points, earn up to the equivalent of 4% back
  • Use points for motoring, insurance, shopping, cash back, fuel, days out and lots more.
  • 0% on balance transfers for 16 months (2.9% fee)
  • 0% on all card purchases for 3 months
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Representative Example: Based on a credit limit of £1,200 charged at 17.9% (variable) p.a. for purchases. Representative 17.9% APR (variable).
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The Best Credit Card Deals Compared

Credit cards have revolutionised the way we spend our money - online and on the high street. Anyone with a credit record can apply for one, and successful applications are made on the basis that a cardholder must pay the balance of their purchases at the end of the month, or, alternatively, let the balance accumulate with interest. They differ from charge cards in the way that a charge card requires the full balance amount to be paid for at the end of each month. There is typically a minimum amount that the credit card holder has to pay off every 30 days, and many of these services are issued by credit companies and banks.

There are many different types of cards, so it's important to do your research and find out what the best one is for you. Some different types of credit cards include reward cards, 0% interest cards and charity cards. They can be very advantageous to consumers if used correctly, especially as many credit cards offer rewards, points or even cashback every time you use the card. As long as you pay off the balance on time, you can even make money from them.

Aside from the rewards you get for using your card, there are also money-saving and security advantages to applying for one. If you travel frequently, it's worth noting that when you use your card abroad, it is much cheaper than getting cash from an ATM machine. Also, if you purchase goods that are faulty, using a credit card to make purchases protects you from losing money. Having a credit card is also one way that you can prove your financial responsibility and credit rating. This means that your financial options will be broader, so that you improve the chance of being offered a loan, mortgage or another card with better rewards and lower interest.

Credit cards also prove extremely useful when an unexpected event or emergency arises, such as an accident, a cancelled flight or if you're ever stuck somewhere with no cash. It is also a lot safer to have the option of not dealing in physical money. If you lose £100 in cash, you will not be protected like you are when you misplace a credit card. Thanks to the Consumer Credit Act of 1974, you are also protected against fraudulent purchases in a way that a debit card can't.