Compare theBest Credit CardsCompare 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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Compare the Best Credit Cards

The best credit cards have low interest, perfect for large purchases that you want to pay off over several months. In addition, many of the best cards on the market do not charge an annual fee, and have the longest introductory period for things like 0% on purchases and balance transfers.

Different people will have different ideas over what is the best credit card for them. Because of this, it is important to firstly figure out what you'll be using the credit card for. On the other hand, you don't know what unexpected occurrence might crop up in the future - so for many people a low interest rate is still important, just in case they can't settle the bill that particular month.

For those with bad credit, there are more things to think about, because not all card companies will let you apply for the services they offer, in that case some of the best cards might not be available to you.. Special credit cards for consumers with an adverse credit rating can be applied for from a range of lenders, where the credit limits are lower than that of conventional cards - sometimes between £200 and £500. Even though bad credit credit cards do not levy annual fees, the interest rate is higher than the average card - sometimes over 30%. The best thing about credit cards for bad credit is that they let you rebuild and repair your credit rating, enabling you to secure credit that is at a lower interest rate in the future. These cards are also great for people who have never borrowed before.

There isn't one 'best credit card' that's better than all the rest - as what you will perceive to be an advantage is subjective. You have to think about your credit history, what you'll be using the card for, how often you'll be using it and what rewards would be most useful to you. Why get a card based on great cashback rates, Airmiles, charity donations or rewards if the interest is extremely high and if you won't be able to pay off the balance every month? If you choose the right one to suit your needs, then you'll be at a great advantage from the start. The best credit cards will reward you more if you use them correctly and don't go over your limit.