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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How to Compare Credit Cards

When choosing the right card for you, it's important to contrast and compare different cards so that you can find your perfect match. When you compare credit cards, it's good to make a list firstly of what you want from your card and why. Some people will make a list based on the fact that they've already got a credit card and want to transfer the balance over to a different provider, whereas others will have a poor credit history and will need to look into cards designed for bad credit that will suit them the best. Usually the main things to look out for when you compare a credit card to other are:

  • Balance transfer rate
  • Purchase rate
  • Typical APR (variable)

Once you have looked at these three aspects, you will be able to think about the rewards you would like to gain from a lender. If you have a good credit rating, there are plenty of great deals on offer from lenders including donations to your favourite charities as you buy everyday items; cashback on all of your purchases in an annual lump sum; Airmiles that will guarantee discounts on your purchases, and even money back on your grocery shopping and fuel. After this, you compare the extent to which these rewards are offered, and how long the deals last if they are temporary. Your card could even come with complimentary travel insurance when you book a holiday.

You should also take the time to look at your credit rating, and, if you have a poor credit history, you should compare bad credit credit cards to see which services have the lowest interest. Remember applying for a card with numerous perks if you have CCJs or even IVAs may backfire, worsening your rating in the process.

By taking into consideration the amount you spend each month on your credit cards, you will also be able to compare the limits on the different cards you are interested in. After all, if you spend £4,000 per month on a card, opting for an account with a £1,500 wouldn't be suitable.

Even though it can be exciting to compare the newest rewards on offer, you should remember that savings you make in one area could be balanced by added cost in another. If you are considering a charity card, but the interest rate is considerably higher than alternatives, it could be better to go for a lower-interest card and donate the money you save in person.

Credit card comparison websites are most probably the best way to compare credit cards. They will allow you to compare credit cards quickly based on your individual requirements and will have different cards and promotional offers grouped into categories which will make credit card comparison simple.