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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The Best Credit Card Deals

There are some great credit card deals out there at the moment, especially as the market keeps getting more and more competitive. The best credit card deals are the ones that suit your needs perfectly. It's wise not to rush into applying before looking at the fine print and finding out all the details. Some offers are good because, although they don't offer any obvious rewards to begin with (such as cashback), they have low interest rates. This means that if you think it's likely that you won't be able to pay off your balance in full every month, then you won't get charged an astronomical amount in interest.

Some offers even include a 0% interest introductory offer, so that for however many months stated in the contract, you won't have to pay any interest on your balance. This credit card deal is very popular for this reason.

Some credit cards offer some excellent, low interest rates, but have a large annual fee to pay. It's worth looking at how much you're likely to pay in total, because although the annual fee might seem a lot, it might be better than going for a deal that offers higher interest and no annual fee. It's all about what works best for you. There is no singular best card out there.

It's a good idea to think about your credit rating, how frequently you'll be using a credit card and what deals will be most beneficial to you. There's not much point in getting a credit card based on great cashback rates, Airmiles, charity donations or rewards if the interest is incredibly high and you don't think you'll manage to pay off the balance every month. When this happens, people end up losing more than they gain from the card company. If you choose the right one to suit your needs, then you'll be at a great advantage from the start. The best credit card deal will reward you more if you use it properly and don't go over your limit, and considering the different options available to you at the moment, it really is a buyer's market.