Compare Credit Cards Uk

When it comes to managing your finances, choosing the right credit card can be a daunting task. With numerous options available in the UK market, it's essential to select a card that aligns with your spending habits, financial goals, and credit history. Whether you're looking to earn rewards, transfer balances, or enjoy cashback benefits, the right credit card can make a significant difference in your financial journey. In this comprehensive guide, we will delve into the top credit cards in the UK, covering the most popular categories: Best Credit Cards for Rewards in the UK, Top 5 Balance Transfer Credit Cards in the UK, Low Interest Credit Cards for Bad Credit in the UK, Cashback Credit Cards with No Annual Fee in the UK, Best Credit Cards for Overseas Travel in the UK, and Credit Cards with 0% Interest for 24 Months in the UK. Our aim is to equip you with the knowledge you need to make an informed decision and find the perfect credit card to suit your unique needs.

Best Credit Cards for Rewards in the UK

Compare Credit Cards UK: Top Rewards Credit Cards

When it comes to earning rewards on your credit card spend, there are numerous options available in the UK market. However, not all credit cards offer the same rewards benefits, and some may have stricter eligibility criteria or higher fees. Here's a rundown of the top rewards credit cards in the UK, categorised by the type of rewards they offer.

Travel Rewards Credit Cards

• American Express Platinum Credit Card: Earn 1 Membership Rewards point for every £1 spent, plus 30,000 bonus points when you spend £3,000 in the first 90 days. Annual fee: £450.
• Barclaycard Arrival Plus Credit Card: Earn 1.5% cashback on all purchases, plus a £100 welcome bonus when you spend £1,000 in the first 90 days. Annual fee: £0 in the first year, then £89.
• HSBC Premier Credit Card: Earn 1.5% cashback on all purchases, plus a £100 welcome bonus when you spend £1,000 in the first 90 days. Annual fee: £0.

Shopping Rewards Credit Cards

• Tesco Credit Card: Earn 1.5% cashback on all purchases at Tesco, plus 10% cashback on fuel purchases at Tesco Petrol Stations. Annual fee: £0.
• Sainsbury's Nectar Credit Card: Earn 1 Nectar point for every £1 spent, plus 750 bonus points when you spend £50 in the first 30 days. Annual fee: £0.
• John Lewis & Partners Credit Card: Earn 1.5% cashback on all purchases, plus a £25 welcome bonus when you spend £100 in the first 90 days. Annual fee: £0.

General Rewards Credit Cards

• Virgin Money Reward Credit Card: Earn 1.5% cashback on all purchases, plus a £25 welcome bonus when you spend £100 in the first 90 days. Annual fee: £0.
• MBNA Rewards Credit Card: Earn 1.5% cashback on all purchases, plus a £25 welcome bonus when you spend £100 in the first 90 days. Annual fee: £0.
• Nationwide FlexOne Credit Card: Earn 1.5% cashback on all purchases, plus a £25 welcome bonus when you spend £100 in the first 90 days. Annual fee: £0.

When choosing a rewards credit card, it's essential to consider your individual needs and spending habits. Make sure to read the terms and conditions, including the interest rate, fees, and eligibility criteria, before applying. Additionally, always pay your balance in full each month to avoid interest charges.

Top 5 Balance Transfer Credit Cards in the UK

When it comes to managing debt and making the most of your finances, balance transfer credit cards can be a valuable tool. These cards allow you to transfer existing credit card balances to a new card with a 0% interest rate for a promotional period, often 12-24 months. This can save you money on interest charges and help you pay off your debt faster. In the UK, there are many balance transfer credit cards to choose from, but some stand out from the rest. Here are our top picks:

• 1. American Express Platinum Cashback Credit Card

This card offers a 0% interest rate for 28 months on balance transfers, with a 2.99% balance transfer fee. You'll also earn 5% cashback on purchases in the first 3 months, up to £100, and 1% cashback on all other purchases.

• 0% interest rate for 28 months on balance transfers
• 2.99% balance transfer fee
• 5% cashback on purchases in the first 3 months, up to £100
• 1% cashback on all other purchases
• 2. Halifax Balance Transfer Credit Card

This card offers a 0% interest rate for 27 months on balance transfers, with a 2.95% balance transfer fee. You'll also earn 0% interest on purchases for 16 months and 1.99% APR (representative) thereafter.

• 0% interest rate for 27 months on balance transfers
• 2.95% balance transfer fee
• 0% interest on purchases for 16 months
• 1.99% APR (representative) thereafter
• 3. Tandem Money Credit Card

This card offers a 0% interest rate for 20 months on balance transfers, with a 2.75% balance transfer fee. You'll also earn 1% cashback on all purchases.

• 0% interest rate for 20 months on balance transfers
• 2.75% balance transfer fee
• 1% cashback on all purchases
• 4. Nationwide Balance Transfer Credit Card

This card offers a 0% interest rate for 27 months on balance transfers, with a 2.95% balance transfer fee. You'll also earn 0% interest on purchases for 16 months and 1.99% APR (representative) thereafter.

• 0% interest rate for 27 months on balance transfers
• 2.95% balance transfer fee
• 0% interest on purchases for 16 months
• 1.99% APR (representative) thereafter
• 5. M&S Bank Balance Transfer Credit Card

This card offers a 0% interest rate for 26 months on balance transfers, with a 2.95% balance transfer fee. You'll also earn 0% interest on purchases for 16 months and 1.99% APR (representative) thereafter.

• 0% interest rate for 26 months on balance transfers
• 2.95% balance transfer fee
• 0% interest on purchases for 16 months
• 1.99% APR (representative) thereafter

Low Interest Credit Cards for Bad Credit in the UK

When it comes to managing debt and building credit, individuals with bad credit in the UK may find themselves limited to certain credit card options. However, there are still some low-interest credit cards available that cater to those with poor credit scores. These cards typically come with higher interest rates compared to standard credit cards, but they can be a more affordable option for those who need to borrow money.

• Interest rates: Low-interest credit cards for bad credit in the UK usually have interest rates ranging from 20% to 30% APR (Annual Percentage Rate). While this is higher than standard credit cards, it's still lower than some other forms of borrowing, such as payday loans or overdrafts.
• Fees and charges: Some low-interest credit cards may come with additional fees, such as application fees, annual fees, or late payment fees. It's essential to read the terms and conditions carefully to understand what you're paying for.
• Credit limit: The credit limit on low-interest credit cards for bad credit in the UK may be lower compared to standard credit cards. This can help you avoid overspending and reduce the risk of accumulating more debt.
• Repayment terms: Some low-interest credit cards may offer longer repayment terms, giving you more time to pay off your debt. However, this can also mean paying more interest over the life of the loan.

Some popular low-interest credit cards for bad credit in the UK include:

• Metro Credit Card: This card offers a 0% interest rate on purchases for 25 months, followed by a 25.9% APR (Variable). It's available for those with a bad credit score, but you'll need to make a deposit to get approved.
• Vanquis Credit Card: This card has an interest rate of 34.9% APR (Variable) and comes with a £0 annual fee. It's designed for those with poor credit, but you'll need to make regular payments to avoid fees and charges.
• Post Office Money Credit Card: This card offers a 0% interest rate on purchases for 20 months, followed by a 25.9% APR (Variable). It's available for those with a bad credit score, but you'll need to make a deposit to get approved.

Before applying for a low-interest credit card, it's essential to consider your financial situation and credit score. You may want to consider alternative options, such as a secured loan or a credit builder loan, which can help you rebuild your credit score over time.

When comparing low-interest credit cards, make sure to look at the following factors:

• Interest rate: Look for the lowest interest rate possible, but also consider any fees or charges associated with the card.
• Credit limit: Consider how much you need to borrow and whether the card's credit limit is sufficient.
• Repayment terms: Think about how long you have to pay off your debt and whether the repayment terms are manageable.
• Fees and charges: Read the terms and conditions carefully to understand any fees or charges associated with the card.

By carefully considering your options and choosing the right low-interest credit card, you can manage your debt and build your credit score over time.

Cashback Credit Cards with No Annual Fee in the UK

When it comes to cashback credit cards, many people assume that they come with a hefty annual fee. However, this isn't always the case. In the UK, there are numerous cashback credit cards that offer rewards without charging an annual fee. These cards are perfect for those who want to earn cashback on their purchases without breaking the bank.

Here are some of the best cashback credit cards with no annual fee in the UK:

• TSB Classic Credit Card**: This card offers 1% cashback on all purchases, with no annual fee or interest on purchases for the first 56 days. There's also a 0% interest rate on balance transfers for 18 months.
• Virgin Money Credit Card**: This card offers 1% cashback on all purchases, with no annual fee and a 0% interest rate on purchases for the first 3 months. There's also a 0% interest rate on balance transfers for 12 months.
• Post Office Money Credit Card**: This card offers 1% cashback on all purchases, with no annual fee and a 0% interest rate on purchases for the first 56 days. There's also a 0% interest rate on balance transfers for 18 months.
• M&S Bank Cashback Credit Card**: This card offers 1% cashback on all M&S purchases and 0.5% cashback on all other purchases, with no annual fee. There's also a 0% interest rate on purchases for the first 3 months.
• Halifax Cashback Credit Card**: This card offers 1% cashback on all purchases, with no annual fee and a 0% interest rate on purchases for the first 3 months. There's also a 0% interest rate on balance transfers for 12 months.