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Money-saving perks
There are a bunch of different credit cards, so finding the best card for you will depend on what benefits you’re seeking. Do you want the ability to earn reward points or cashback on purchases, or are you just looking for a card to cover everyday purchases? If you’re a student, you may instead want to consider a dedicated student credit card.
If you’ve never had a credit card before, you might find your options are slim, as the best credit cards are reserved for those with good credit history. But there are still a number of cards you could get approved for.
A rewards credit card gives you the benefits of a normal credit card, as well as making your spending go further in the form of reward points. It’s worth keeping an eye out for rewards cards with a generous introductory offer and no annual fee. This means you can earn points on all your purchases at no extra cost, provided you pay off your balance in full each month.
The American Express Rewards® Credit Card
29.7%
Representative APR
£0
Account fee
10,000 points
Max. intro bonus
1 point
per £1 spent
Availability | Available to new customers |
---|---|
Residency | UK resident and has a UK bank or building society account. |
Foreign usage charge (EU) | 2.99% |
Cash advance fee | 3% (min. £3) |
If you’re planning to make a big purchase or have an upcoming expense, having more time to pay it off can make a huge difference to your overall finances. With a 0% purchase credit card, you can repay it over time without incurring additional costs.
M&S Bank Shopping Plus Credit Card
15 months
0% interest on balance transfers
18 months
0% interest on purchases
23.9%
Representative APR
£0
Account fee
Availability | Available to new customers |
---|---|
Min. income | 6800 |
Foreign usage charge (EU) | 2.99% |
Cash advance fee | 2.99% (min. £3) |
If you have limited credit history, you’ll likely find that your credit card options are also limited. Credit builder credit cards are often a good first choice for those who don’t have much credit history. Credit builder cards help you build your credit score, which means you could then be eligible for more premium cards, and better rates, in future.
However, as they’re aimed at those with limited credit history, credit builder cards often have higher APRs (annualised percentage rate) than other cards, which means it’s important that you pay off your balance in full each month. If you don’t, you could end up paying a lot in interest payments.
Tesco Bank Foundation Card
29.9%
Representative APR
£0
Account fee
Up to 56 days
Interest-free each billing period
£250
Minimum credit limit
Availability | Available to new customers |
---|---|
Residency | UK residents |
Min. income | 5000 |
Foreign usage charge (EU) | 2.75% |
Cash advance fee | 3.99% (min. £3) |
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