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
Barclaycard Platinum Credit Card
BarclaycardPlatinum Extended Balance Transfer
0%26 months
3.5% fee
0%6 months
18.9%APR
  • Music
  • 0% on balance transfers for 26 months
  • £10 fee refund offer on balance transfers over £2000
  • 0% on purchases for 6 months from account opening
  • Barclaycard Unwind - exclusive access to music events, tickets to shows and live sessions. Keep up-to-date with news about artists and bands.
  • Contactless payment for items up to £20
  • You must have an excellent credit rating
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Representative Example: Based on a credit limit of £1,200 charged at 18.9% (variable) p.a. for purchases. Representative 18.9% APR (variable).
Nationwide Select Credit Card
NationwideSelect Credit Card
0%20 months
3.1% fee
0%12 months
12.9%APR
  • Cashback
  • 0% on purchases for 12 months
  • 0% on balance transfers for 20 months
  • Unlimited cashback - 0.5% on all sterling purchases
  • Unlimited commission-free purchases abroad
  • Low APR rate of 12.9%
  • To apply for this card you must hold a Nationwide FlexAccount with a Visa debit card (not cash card+) or you can apply for a FlexAccount at the same time
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Representative Example: Based on a credit limit of £1,200 charged at 12.9% (variable) p.a. for purchases. Representative 12.9% APR (variable).
Barclaycard Platinum Simplicity
BarclaycardPlatinum Simplicity
7.9%Life of balance
0% fee
7.9%
7.9%APR
  • Music
  • Low APR of only 7.9%
  • No balance transfer fee
  • Barclaycard Unwind - exclusive access to music events, tickets to shows and live sessions. Keep up-to-date with news about artists and bands.
  • Contactless payment for items up to £20
  • You must have an excellent credit rating
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Representative Example: Based on a credit limit of £1,200 charged at 7.9% (variable) p.a. for purchases. Representative 7.9% APR (variable).
Barclaycard Platinum Balance Transfer Credit Card
BarclaycardPlatinum Balance Transfer
0%25 months
2.4% fee
0%6 months
18.9%APR
  • Music
  • 0% interest on balance transfers for 25 months
  • Your fee is reduced from 3.5% to just 2.4%
  • 0% on purchases for 6 months from account opening
  • Barclaycard Unwind - exclusive access to music events, tickets to shows and live sessions. Keep up-to-date with news about artists and bands.
  • Contactless payment for items up to £20
  • You must have an excellent credit rating
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Representative Example: Based on a credit limit of £1,200 charged at 18.9% (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).
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Best

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.