Can you cancel a Capital One credit card without calling?

In the age of online banking, why do banks still require a call for you to cancel your credit card?

The short answer: Credit card companies don’t want to lose you, so they’ll make it as difficult as possible for you to cut ties. When you call, a representative will bend over backwards to convince you to stay, which means you’ll need to dig in your heels.

Is it possible to cancel your card online?

No, Capital One doesn’t allow you to cancel your credit card online. To cancel a UK card, call 03444 812 812.

What can you expect when you call to cancel your card?

Phoning to cancel your card probably won’t be quick. A representative may ask you to keep your card open, and potentially dangle enticing perks in front of you to persuade you to stay. You could also be transferred to the bank’s customer retention division for a harder sell.

Have a game plan

Before you call, decide whether you definitely want to close your account or not. Could you be enticed to stay with perks or a lower APR? If you’re cancelling your card to thwart financial trouble, consider sticking to no – no matter what you’re enticed with.

Will cancelling your Capital One credit card affect your credit score?

It could, but it all depends on your lender. Credit bureaus determine your creditworthiness by looking at your payment history and the age of your credit. They also look at how much credit is available to you compared to how much you’re using, which is known as a credit utilisation ratio.

Credit utilisation is the percentage of your credit limit that you use. For example, if you have an overall credit limit of £3,000 and you only use £1,500 of it, your credit utilisation is 50%. But if you cancel one of your credit cards and your overall limit is reduced to £2,000, you’ll be using 75% of it. Closing a card with a high spending limit and £0 balance can temporarily increase your ratio, resulting in potential creditors seeing you as a higher risk.

In general, credit bureaus like to see a credit utilisation ratio of below 25% after you’ve cancelled your credit card. If you’re looking to get in control of your finances, it may help you to keep your £0 balance card open and just stop using it. Just make sure there are no annual or dormancy fees.

What do you do after you’ve cancelled your credit card over the phone?

After you hang up the phone, send a letter to Capital One reiterating your cancellation request. Include your credit card number and account number, sign it and send it to:

Attn: General Correspondence
Capital One Card Services
P.O. Box 5283
Nottingham
NG2 9HD

Apply for a new credit card today

This comparison is ordered by representative APR with affiliated products shown first.

Now that you know how to close your Capital One credit card, you may be looking for a new card that better fits your needs. The table below allows to you to sort through different credit cards and order them in a way that suits your needs. To look at several cards side-by-side just check the “Compare” box next to your desired cards and click “Compare” at the bottom of your screen.

Name	Ratings	Finder rating	Customer rating	Balance transfers	Balance transfer fee	Purchases	Annual/monthly fees	Representative APR	Incentive	Link
HSBC Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 27 months reverting to 23.9%	0%	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 28 months reverting to 23.9%	2.99% (min. £5)	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Santander Everyday Long Term Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 26 months reverting to 23.9%	3% (min. £5)	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 17 months reverting to 23.9%	2.99%	0% for 20 months reverting to 23.9%	£0	23.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 15 months reverting to 23.9%	2.99% fee, min £5	0% for 18 months reverting to 23.9%	£0	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 17 months reverting to 24.9%	2.99%	0% for 17 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 17 months reverting to 24.9%	2.99%	0% for 17 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
NatWest Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 14 months reverting to 24.9%	0%	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
NatWest Longer Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 23 months reverting to 24.9%	3.49%	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Longer Balance Transfer Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 23 months reverting to 24.9%	3.49%	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Balance Transfer Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 14 months reverting to 24.9%	2.99%	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Santander All in One Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 15 months reverting to 23.9%	0% for 15 months reverting to 3% (min. £5)	0% for 15 months reverting to 23.9%	£3 per month	29.8% APR (variable)	0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card Balance Transfer	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 18 months reverting to 19.9%	1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)	0% for 3 months reverting to 19.9%	£0	19.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 15 months reverting to 19.9%	1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)	0% for 15 months reverting to 19.9%	£0	19.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
The Co-operative Bank Balance Transfer Credit Card Visa	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 24 months reverting to 20.6%	3% (minimum £5)	0% for 4 months reverting to 20.6%	£0	20.6% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 20.6% (variable) p.a., your representative rate is 20.6% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum Low Fee 0% Balance Transfer credit card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 22 months reverting to 22.94%	1.99% for 3 months reverting to 5%	0% for 6 months reverting to 22.94%	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Platinum Balance Transfer Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 24 months reverting to 22.95%	2.95% for 3 months reverting to 5%	0% for 3 months reverting to 22.95%	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.95% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Platinum Purchase Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 15 months reverting to 22.95%	1.45% for 3 months reverting to 5%	0% for 15 months reverting to 22.95%	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.95% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 17 months reverting to 22.94%	2.99% for 3 months reverting to 5%	0% for 17 months reverting to 22.94%	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Santander Everyday No Balance Transfer Fee Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 12 months reverting to 23.9%	0% for 12 months reverting to 3% (min. £5)	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...

Name	Ratings	Customer rating	Finder rating	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
HSBC Purchase Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 20 months reverting to 23.9%	0% for 17 months (2.99% fee)	£0	23.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 18 months reverting to 23.9%	0% for 15 months (2.99% fee, min £5 fee)	£0	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 17 months reverting to 24.9%	0% for 17 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 17 months reverting to 24.9%	0% for 17 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Santander All in One Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 15 months reverting to 23.9%	0% for 15 months (0% fee)	£3 per month	29.8% APR (variable)	0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Rewards Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 6 months reverting to 23.9%	0% for 6 months (0% fee)	£0	23.9% APR (variable)	Earn 1 point for every £5 spent on purchases. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year. 1 point = 1p (no min) Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 24 months reverting to 19.94%	21.81% (3.99% fee)	£7.99 per month	37.7% APR (variable)	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points. Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum All-Rounder Visa	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 22 months reverting to 24.9%	0% for 19 months (2.99% fee)	£0	24.9% APR (variable)	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 17 months reverting to 24.9%	0% for 17 months (0% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 19 months reverting to 23.94%	0% for 19 months (3.49% fee)	£0	23.9% APR (variable)	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers. Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Santander World Elite Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 18 months reverting to 18.9%	0% for 18 months (0% fee)	£15 per month	49.8% APR (variable)	0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).	Read review	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 17 months reverting to 23.94%	0% for 15 months (2.99% fee)	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 17 months reverting to 23.94%	0% for 17 months (2.99% fee)	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 17 months reverting to 22.94%	0% for 17 months (2.99% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Platinum Purchase Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 15 months reverting to 22.95%	0% for 15 months (1.45% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.95% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 15 months reverting to 19.9%	0% for 15 months (1.5% fee)	£0	19.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money Dual Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 13 months reverting to 23.9%	0% for 16 months (3% fee)	£0	23.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 12 Month All Round Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 12 months reverting to 29.9%	0% for 12 months (3% fee)	£0	29.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
Post Office Classic Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for up to 12 months reverting to 34.94% (subject to status)	0% for up to 12 months reverting to 34.94% (subject to status) (2.9% fee)	£0	34.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
first direct Gold Credit Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 12 months reverting to 24.9%	24.9% (0% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...

Name	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive	Link
M&S Bank Shopping Plus Credit Card	0% for 18 months reverting to 23.9%	£0	Min. limit £500, max. limit not specified.	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard	0% for 3 months reverting to 23.9%	£0	Min. limit £500, max. limit not specified.	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Santander All in One Credit Card	0% for 15 months reverting to 23.9%	£3 per month	Min. limit £500, max. limit not specified.	29.8% APR (variable)	0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Rewards Credit Card Finder Award	30.7%	£0	Min. limit £500, max. limit not specified.	30.7% APR (variable)	Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1000 points) to shop, other rewards have differing conversions Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
British Airways American Express® Credit Card Finder Award	30.7%	£0	Min. limit £700, max. limit not specified.	30.7% APR (variable)	Earn 1 Avios for virtually every £1 spent. Spend £12K each year and get a travel companion voucher when redeeming Avios for a BA reward flight. - Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme. Avios value varies dependent on reward (min 1000pts for flights) Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Platinum Cashback Everyday Credit Card Finder Award	30.7%	£0	Min. limit £700, max. limit not specified.	30.7% APR (variable)	New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases. Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
NatWest Reward Credit Card	25.9%	£24 per annum. Reward Current Account holders: £0 per annum	Min. limit £250, max. limit not specified.	31% APR (variable)	You'll earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back. Representative example: When you spend £1,200 at a purchase rate of 25.9% (variable) p.a. with a fee of £24 per annum. Reward Current Account holders: £0 per annum, your representative rate is 31% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Credit Card	25.9%	£24 per annum. Reward Current Account holders: £0 per annum	Min. limit £250, max. limit not specified.	31% APR (variable)	Earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back. Representative example: When you spend £1,200 at a purchase rate of 25.9% (variable) p.a. with a fee of £24 per annum. Reward Current Account holders: £0 per annum, your representative rate is 31% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
American Express® Nectar Credit Card Finder Award	30.7%	Year 1 - £0, Year 2 onwards - £25 per annum	Min. limit £700, max. limit not specified.	36.3% APR (variable)	Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere. Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 36.3% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Platinum Cashback Credit Card Finder Award	30.7%	£25 per annum	Min. limit £700, max. limit not specified.	36.3% APR (variable)	New cardmember offer: Get 5% cashback on your purchases (up to £125) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases. Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £25 per annum, your representative rate is 36.3% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Black Credit Card	21.9%	£84 per annum. Reward Black Current Account holders: £0 per annum	Min. limit £5,000, max. limit not specified.	40.7% APR (variable)	Earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
NatWest Reward Black Credit Card	21.9%	£84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum	Min. limit £5,000, max. limit not specified.	40.7% APR (variable)	You'll earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum, your representative rate is 40.7% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
The Marriott Bonvoy American Express Card Finder Award	30.7%	£75 per annum	Min. limit £700, max. limit not specified.	48.9% APR (variable)	Earn 6 points for every £1 spent at eligible Marriott properties. Earn 2 points for virtually every £1 spent elsewhere. Earn up to 90,000 bonus points per year through refer a friend, 9,000 points awarded for every friend approved. Points can be redeemed for hotel stays of varying values (min 15000pts) Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £75 per annum, your representative rate is 48.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award	30.7%	Year 1 - £0, Year 2 onwards - £160 per annum	Min. limit £700, max. limit not specified.	75.2% APR (variable)	New Cardmembers earn 20,000 Membership Rewards® Points when you spend £3,000 in the first 3 months of Card membership. T&Cs Apply. UK 18+, subject to status. Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £160 per annum, your representative rate is 75.2% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award	30.7%	£250 per annum	Min. limit £700, max. limit not specified.	112.5% APR (variable)	Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Terms apply. 18+, subject to status. New Cardmembers Only Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £250 per annum, your representative rate is 112.5% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Pulse Card Mastercard (existing NewDay customers only)	Your interest rate will stay the same as your current NewDay card	£0	Min. limit not specified, max. limit not specified.	APR (variable)	Get 0.25% cashback every time you shop, up to a maximum of £150 cashback per year If you are a current NewDay customer and have been invited to transfer to a Pulse Card, your interest rate and credit limit will remain the same.	Read review	Compare	loading Fetching your data...
Tesco Bank Low APR Clubcard Credit Card	10.941%	£0	Min. limit £100, max. limit not specified.	10.9% APR (variable)	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points. Representative example: When you spend £1,200 at a purchase rate of 10.941% (variable) p.a., your representative rate is 10.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA Limited Platinum Visa	13.94%	£0	Min. limit not specified, max. limit not specified.	13.9% APR (variable)	0.25% after £1 of yearly spend. Cashback paid January into Card Account. Earn 0.25% cashback on purchases within the first 36 months of account opening. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 13.94% (variable) p.a., your representative rate is 13.9% APR (variable).	Read review	Compare	loading Fetching your data...
The Co-operative Bank Members' Credit Card Visa	18.2%	£0	Min. limit £500, max. limit not specified.	18.2% APR (variable)	1p earned for every £2 spent in The Co-operative Food stores (excluding in-store concessions) and 1p earned for every £3.33 spent anywhere else. Cashback will be added to your share of the Group profits and this will be paid to you twice a year. Representative example: When you spend £1,200 at a purchase rate of 18.2% (variable) p.a., your representative rate is 18.2% APR (variable).	Read review	Compare	loading Fetching your data...
AIB Options 1 Credit Card	18.9%	£0	Min. limit £500, max. limit not specified.	18.9% APR (variable)	0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Read review	Compare	loading Fetching your data...

Name	Ratings	Finder rating	Customer rating	Annual/monthly fees	Initial credit limits	Minimum income	Representative APR	Incentive	Link
HSBC Student Credit Card Visa Additional account needed	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit £500.	Not specified	18.9%	Available alongside an HSBC Student Account (receive £100 and a 1-year subscription to Headspace when you open a new student account). Representative example: When you spend £500 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
AIB Student Credit Card Additional account needed	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £300, max. limit not specified.	Not specified	12.9%	Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Student Credit Card Additional account needed	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £1,000.	Not specified	21.95%	Representative example: When you spend £1,000 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Classic Credit Card Mastercard	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit not specified.	Not specified	28.9%	Representative example: When you spend £1,200 at a purchase rate of 28.95% (variable) p.a., your representative rate is 28.9% APR (variable).	Read review	Compare	loading Fetching your data...
Vanquis Bank Balance Transfer Credit Card Visa	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £1,000.	Not specified	29.3%	Representative example: When you spend £1,000 at a purchase rate of 29.3% (variable) p.a., your representative rate is 29.3% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank Everyday Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit not specified, max. limit not specified.	Not specified	29.4%	3 Nectar points per £2 spent in Sainsbury's, Argos, Habitat and Tu clothing, and 1 Nectar point for every £5 spent elsewhere. 1 point = 0.5p (min 500pts) Representative example: When you spend £1,200 at a purchase rate of 29.4% (variable) p.a., your representative rate is 29.4% APR (variable).	Read review	Compare	loading Fetching your data...
Vanquis Bank Credit Builder Credit Card Visa	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £1,500.	Not specified	29.5%	Representative example: When you spend £1,000 at a purchase rate of 29.5% (variable) p.a., your representative rate is 29.5% APR (variable).	Read review	Compare	loading Fetching your data...
thimbl. credit card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £1,500.	Not specified	29.5%	Representative example: When you spend £1,200 at a purchase rate of 29.50% (variable) p.a., your representative rate is 29.5% APR (variable).	Read review	Compare	loading Fetching your data...
Tesco Bank Foundation Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £100, max. limit not specified.	£5000	29.9%	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points. Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
Tymit Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £15,000.	Not specified	29.9%	Representative Example: 29.9% (variable) based on a borrowing of £1200 over 12 months with no annual fee.	Read review	Compare	loading Fetching your data...
Bip Credit Card Mastercard	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £250, max. limit not specified.	£5000	29.9%	Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
Onmo Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £250, max. limit not specified.	Not specified	29.9%	Representative example: Assumed credit limit £1,200. Interest rate 29.9% p.a. (variable). Representative 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
HSBC Classic Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit £1,000.	£6800	29.9%	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
Keebo credit card Finder Award	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £100, max. limit £5,000.	Not specified	29.98%	Representative example: When you spend £1,200 at a purchase rate of 29.98% (variable) p.a., your representative rate is 29.98% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Forward Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £50, max. limit £1,200.	£3000	33.9%	Rate discounts: 3% interest rate reduction if you make all your repayments on time for the first year, and a further drop of up to 2% more if you continue to do so in the second year. Representative example: When you spend £1,200 at a purchase rate of 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).	Read review	Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit not specified.	£8400	34%	Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable).	Read review	Compare	loading Fetching your data...
Marbles Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	You could get a credit limit increase after three months. Choose a monthly repayment date that suits you and change it up to twice a year. Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable).	Read review	Compare	loading Fetching your data...
Asda Money Select Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit £5,000.	Not specified	34.9%	Earn 1% back in Asda Pounds when shopping at Asda, earn 0.3% on non-Asda spend. 1 Asda Pound = £1 (min £1). Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Capital One Classic Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £200, max. limit £1,500.	Not specified	34.9%	Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.	Read review	Compare	loading Fetching your data...
Aqua Classic Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable).	Read review	Compare	loading Fetching your data...

Name	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive	Link
British Airways American Express® Premium Plus Card Finder Award	30.7%	£250 per annum	Min. limit £700, max. limit not specified.	112.5% APR (variable)	Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Terms apply. 18+, subject to status. New Cardmembers Only Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £250 per annum, your representative rate is 112.5% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
British Airways American Express® Credit Card Finder Award	30.7%	£0	Min. limit £700, max. limit not specified.	30.7% APR (variable)	Earn 1 Avios for virtually every £1 spent. Spend £12K each year and get a travel companion voucher when redeeming Avios for a BA reward flight. - Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme. Avios value varies dependent on reward (min 1000pts for flights) Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Virgin Money Virgin Atlantic Reward Plus Credit Card	26.9%	£160 per annum	Min. limit not specified, max. limit not specified.	69.7% APR (variable)	Earn 15,000 bonus points with your first card purchase made within 90 days of account opening. Earn 1.5 Flying Club miles for every £1 spend and 3 miles for every £1 spend with Virgin Atlantic and Virgin Holidays. Spend £10K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket. Points value varies dependent on reward (min 3000pts) Representative example: When you spend £1,200 at a purchase rate of 26.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 69.7% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Avios Plus Card	28.9%	£20 per month	Min. limit £50, max. limit not specified.	78.9% APR (variable)	Earn 25,000 Avios when £3,000 spent on card over the first 3 months of opening. Earn 1.5 Avios for every £1 you spend. Spend £10,000 or more during the year and receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking, or 7000 bonus Avios. Avios value varies dependent on reward (min 1000pts for flights) Representative example: When you spend £1,200 at a purchase rate of 28.9% (variable) p.a. with a fee of £20 per month, your representative rate is 78.9% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Avios Card	28.9%	£0	Min. limit £50, max. limit not specified.	28.9% APR (variable)	Earn 5,000 Avios when £1,000 spent on card over the first 3 months of opening. Earn 1 Avios for every £1 you spend. Spend £20,000 or more during the year and receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking, or 7000 bonus Avios. Avios value varies dependent on reward (min 1000pts for flights) Representative example: When you spend £1,200 at a purchase rate of 28.9% (variable) p.a., your representative rate is 28.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money Virgin Atlantic Reward Credit Card	26.9%	£0	Min. limit not specified, max. limit not specified.	26.9% APR (variable)	Earn 0.75 Flying Club miles for every £1 spend and 1.5.miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Spend £20K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket. Points value varies dependent on reward (min 3000pts) Representative example: When you spend £1,200 at a purchase rate of 26.9% (variable) p.a., your representative rate is 26.9% APR (variable).	Read review	Compare	loading Fetching your data...

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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