How to cancel an HSBC UK credit card without calling

You’ve paid off your credit card and put a stop to your direct debit payments. But closing your account isn’t as simple as cutting up your card.

Calling to cancel your account can take time. Representatives are trained to convince you to stay by offering perks and gifts, requiring you to decline three or more times before you’re free.

Before cancelling your HSBC UK credit card by phone, here’s an alternative to get the ball rolling in minutes.

How to cancel your HSBC credit card without calling

As a HSBC customer, you have several options for cancelling your credit card.

Online. Log into your HSBC account with online banking. Send HSBC a secure e-message telling it what card you would like to cancel. HSBC will then reply to inform you of the next steps.
In branch. Visit your local branch with your credit card and valid identification (eg passport, driving licence).

Will cancelling my HSBC credit card affect my credit score?

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

Credit utilisation is the percentage you use of your credit limit. For example, if you have an overall credit limit of £3,000 and you use £1,500 of it, your credit utilisation is 50%. But if you cancel a card and your limit is reduced to £2,250, 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 bureaux like to see a credit utilisation ratio below 25% after you’ve cancelled your credit card. If you’re looking to get 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.

After you’ve cancelled your credit card

After you’ve cancelled your card online or by phone, send a written letter to HSBC with your cancellation request. Include your credit card number and account number.

Send your signed letter to:

HSBC
PO Box 6201,
Coventry,
CV3 9HW

Trading in your current card for a new one?

If you want to close your credit card because it doesn’t offer what you want, you may want to find a new credit card that better suits you. The chart below allows to to compare cards and find one that has the features you want. Click the Compare buttons to get a side-by-side comparison of the cards you select.

Table: sorted by representative APR, promoted deals first

Name	Finder score	Finder score	Balance transfers	Balance transfer fee	Purchases	Annual/monthly fees	Representative APR	Incentive	Link
Santander Everyday Long Term Balance Transfer Credit Card	4.0 ★★★★★	★★★★★ Expert analysis	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...
Royal Bank of Scotland Longer Balance Transfer Credit Card	3.5 ★★★★★	★★★★★ Expert analysis	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 Purchase & Balance Transfer Credit Card	4.0 ★★★★★	★★★★★ Expert analysis	0% for 19 months reverting to 24.9%	2.99%	0% for 19 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	4.0 ★★★★★	★★★★★ Expert analysis	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...
M&S Bank Credit Card Purchase Plus Offer Mastercard	4.1 ★★★★★	★★★★★ Expert analysis	0% for 12 months reverting to 24.9%	0%	0% for 20 months reverting to 24.9%	£0	24.9% 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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card	4.0 ★★★★★	★★★★★ Expert analysis	0% for 16 months reverting to 24.9%	3.49%, min £5	0% for 18 months reverting to 24.9%	£0	24.9% 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 24.9% (variable) p.a., your representative rate is 24.9% 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...
NatWest Balance Transfer Credit Card	3.5 ★★★★★	★★★★★ Expert analysis	0% for 13 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...
HSBC Balance Transfer Credit Card	4.0 ★★★★★	★★★★★ Expert analysis	0% for 26 months reverting to 24.9%	3.49% fee, min £5	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% 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...
NatWest Purchase & Balance Transfer Credit Card	4.0 ★★★★★	★★★★★ Expert analysis	0% for 19 months reverting to 24.9%	2.99%	0% for 19 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...
M&S Bank Credit Card Transfer Plus Offer Mastercard	4.0 ★★★★★	★★★★★ Expert analysis	0% for 26 months reverting to 24.9%	3.49%, min £5	0% for 3 months reverting to 24.9%	£0	24.9% 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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Balance Transfer Credit Card	3.5 ★★★★★	★★★★★ Expert analysis	0% for 13 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...
Santander All in One Credit Card	4.5 ★★★★★	★★★★★ Expert analysis	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. Maximum of £10 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 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...
The Co-operative Bank Balance Transfer Credit Card Visa	4.0 ★★★★★	★★★★★ Expert analysis	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...
TSB Platinum Balance Transfer Card	4.0 ★★★★★	★★★★★ Expert analysis	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...
Santander Everyday No Balance Transfer Fee Credit Card	3.5 ★★★★★	★★★★★ Expert analysis	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...
HSBC Premier Credit Card	3.5 ★★★★★	★★★★★ Expert analysis	0% for 18 months reverting to 23.9%	2.99% fee (min. £5)	0% for 9 months reverting to 23.9%	£0	23.9% APR (variable)	A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles. 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).	Read review	Compare	loading Fetching your data...
M&S Bank Credit Card Shopping Plus Offer Mastercard	4.0 ★★★★★	★★★★★ Expert analysis	0% for 15 months reverting to 23.9%	3.49% (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).	Read review	Compare	loading Fetching your data...
Halifax Low Fee 0% Balance Transfer Credit Card	4.0 ★★★★★	★★★★★ Expert analysis	0% for 27 months reverting to 24.94%	3.49% for 3 months reverting to 5%	0% for 6 months reverting to 24.94%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Tesco Bank Balance Transfer Card Finder Award	4.0 ★★★★★	★★★★★ Expert analysis	0% for 22 months reverting to 24.9%	3.49% for 27 months reverting to 3.99%	24.9%	£0	24.9% 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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
first direct Credit Card	3.5 ★★★★★	★★★★★ Expert analysis	0% for 20 months reverting to 24.9%	2.99% (min. £5)	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).	Read review	Compare	loading Fetching your data...

Name	Finder score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
M&S Bank Credit Card Purchase Plus Offer Mastercard M&S Bank Credit Card Purchase Plus Offer Mastercard	4.1 ★★★★★	0% for 20 months reverting to 24.9%	0% for 12 months (0% fee)	£0	24.9% 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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card Royal Bank of Scotland Purchase & Balance Transfer Credit Card	4.0 ★★★★★	0% for 19 months reverting to 24.9%	0% for 19 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 NatWest Purchase & Balance Transfer Credit Card	4.0 ★★★★★	0% for 19 months reverting to 24.9%	0% for 19 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...
HSBC Purchase Plus Credit Card HSBC Purchase Plus Credit Card	4.0 ★★★★★	0% for 18 months reverting to 24.9%	0% for 16 months (3.49%, min £5 fee)	£0	24.9% 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 24.9% (variable) p.a., your representative rate is 24.9% 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...
Santander All in One Credit Card Santander All in One Credit Card	4.5 ★★★★★	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. Maximum of £10 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 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...
Tesco Bank Clubcard Plus Credit Card Mastercard Tesco Bank Clubcard Plus Credit Card Mastercard Finder Award	4.5 ★★★★★	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...
MBNA 0% Transfer and Purchase Credit Card MBNA 0% Transfer and Purchase Credit Card	3.5 ★★★★★	0% for 21 months reverting to 24.94%	0% for 21 months (3.49% fee)	£0	24.9% 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 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum all-rounder Visa Barclaycard Platinum all-rounder Visa	4.0 ★★★★★	0% for 21 months reverting to 24.9%	0% for 20 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...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Credit Card Mastercard Lloyds Bank Platinum 0% Purchase and Balance Transfer Credit Card Mastercard	4.0 ★★★★★	0% for 20 months reverting to 24.94%	0% for 18 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.94% (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 Ulster Bank Purchase & Balance Transfer Credit Card Mastercard	3.5 ★★★★★	0% for 19 months reverting to 24.9%	0% for 19 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).	Read review	Compare	loading Fetching your data...
Santander World Elite Mastercard Santander World Elite Mastercard	4.4 ★★★★★	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...
M&S Bank Credit Card Shopping Plus Offer Mastercard M&S Bank Credit Card Shopping Plus Offer Mastercard	4.0 ★★★★★	0% for 18 months reverting to 23.9%	0% for 15 months (3.49% 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).	Read review	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard Halifax 0% Purchase and Balance Transfer Mastercard	3.5 ★★★★★	0% for 17 months reverting to 24.94%	0% for 17 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard	4.0 ★★★★★	0% for 17 months reverting to 24.94%	0% for 17 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder Nationwide Member Credit Card All Rounder	4.6 ★★★★★	0% for 15 months reverting to 24.9%	0% for 15 months (1.5% 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...
Virgin Money Dual Credit Card Mastercard Virgin Money Dual Credit Card Mastercard Finder Award	4.0 ★★★★★	0% for 13 months reverting to 24.9%	0% for 16 months (3% fee)	£0	24.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 12 Month All Round Credit Card Mastercard Virgin Money 12 Month All Round Credit Card Mastercard Finder Award	3.5 ★★★★★	0% for 12 months reverting to 29.9%	0% for 12 months (2.9% 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...
TSB Platinum Purchase Card TSB Platinum Purchase Card	4.0 ★★★★★	0% for 12 months reverting to 24.95%	0% for 12 months (2.95% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.95% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Dual 12 Month Credit Card Mastercard Sainsbury's Dual 12 Month Credit Card Mastercard	Not yet rated	0% for 12 months reverting to 26.95%	0% for 12 months (3% fee)	£0	26.9% APR (variable)	Earn 1 Nectar point per £2 spent in Sainsbury's and Argos, and 1 Nectar point for every £5 spent elsewhere. Additional points can be earned by also using the Nectar card or app at the time of transaction. 1 point = 0.5p (min 500pts) Representative example: When you spend £1,200 at a purchase rate of 26.95% (variable) p.a., your representative rate is 26.9% APR (variable).	Read review	Compare	loading Fetching your data...
Post Office Classic Card Post Office Classic Card	4.0 ★★★★★	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...

Name	Finder score	Finder score	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive	Link
M&S Bank Credit Card Purchase Plus Offer Mastercard	4.1 ★★★★★	★★★★★ Expert analysis	0% for 20 months reverting to 24.9%	£0	Min. limit £500, max. limit not specified.	24.9% 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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard	4.0 ★★★★★	★★★★★ Expert analysis	0% for 3 months reverting to 24.9%	£0	Min. limit £500, max. limit not specified.	24.9% 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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Santander All in One Credit Card	4.5 ★★★★★	★★★★★ Expert analysis	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. Maximum of £10 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 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...
Amex® Cashback Everyday Credit Card Finder Award	4.0 ★★★★★	★★★★★ Expert analysis	31%	£0	Min. limit £700, max. limit not specified.	31% APR (variable)	Welcome offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. Terms and minimum spend apply. 18+, subject to status. Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Credit Card	3.5 ★★★★★	★★★★★ Expert analysis	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...
British Airways American Express® Credit Card Finder Award	4.0 ★★★★★	★★★★★ Expert analysis	31%	£0	Min. limit £700, max. limit not specified.	31% APR (variable)	Earn 5,000 points when you spend £1,000 within 3 months of account opening. Terms apply. UK 18+, subject to status. Earn 1 Avios for virtually every £1 spent. Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
NatWest Reward Credit Card	3.5 ★★★★★	★★★★★ Expert analysis	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...
American Express® Rewards Credit Card Finder Award	4.0 ★★★★★	★★★★★ Expert analysis	31%	£0	Min. limit £500, max. limit not specified.	31% 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 1,000 points) to shop, other rewards have differing conversions. Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Amex® Cashback Credit Card Finder Award	3.5 ★★★★★	★★★★★ Expert analysis	31%	£25 per annum	Min. limit £700, max. limit not specified.	36.7% APR (variable)	Welcome offer: Get 5% cashback on your purchases (up to £125) for the first 3 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 31% (variable) p.a. with a fee of £25 per annum, your representative rate is 36.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Nectar Credit Card Finder Award	4.0 ★★★★★	★★★★★ Expert analysis	31%	Year 1 - £0, Year 2 onwards - £30 per annum	Min. limit £700, max. limit not specified.	37.8% APR (variable)	New welcome offer: 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 31% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 37.8% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
NatWest Reward Black Credit Card	4.0 ★★★★★	★★★★★ Expert analysis	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...
Royal Bank of Scotland Reward Black Credit Card	4.0 ★★★★★	★★★★★ Expert analysis	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...
The Marriott Bonvoy American Express Card Finder Award	4.0 ★★★★★	★★★★★ Expert analysis	31%	£95 per annum	Min. limit £700, max. limit not specified.	54.8% APR (variable)	Earn 20,000 bonus Marriott Bonvoy ® points when you spend £3,000 in the first 3 months of Cardmembership. 18+, subject to status. Terms apply. Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of £95 per annum, your representative rate is 54.8% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Yonder Credit Card (only for London residents) Finder Award	4.5 ★★★★★	★★★★★ Expert analysis	29.94%	1 month for £0, £15 per month thereafter	Min. limit not specified, max. limit not specified.	66.7% APR (variable)	First month free for new members, £15 p/m thereafter. Plus, 10,000 bonus points. Earn 5 points per £1 spent and up to 25 points per £1 at selected partners. Membership includes worldwide travel insurance and no FX fees. Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award	4.0 ★★★★★	★★★★★ Expert analysis	31%	Year 1 - £0, Year 2 onwards - £195 per annum	Min. limit £700, max. limit not specified.	88.8% APR (variable)	New Cardmembers earn 20,000 Membership Rewards® Points when you spend £3,000 in the first 3 months of Cardmembership. T&Cs Apply. UK 18+, subject to status. Get 20% cashback at 1,000+ restaurants until 19 May 2024. Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £195 per annum, your representative rate is 88.8% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award	4.0 ★★★★★	★★★★★ Expert analysis	31%	£300 per annum	Min. limit £700, max. limit not specified.	139.9% APR (variable)	Welcome offer: 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 31.0% (variable) p.a. with a fee of £300 per annum, your representative rate is 139.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
The Platinum Card® by American Express Finder Award	4.0 ★★★★★	★★★★★ Expert analysis	31.0%	£650 per annum	Min. limit £700, max. limit not specified.	704.6% APR (variable)	New Cardmembers earn 40,000 Membership Rewards® Points when you spend £6,000 in the first 3 months of Cardmembership. T&Cs Apply. UK 18+, subject to status. Representative example: When you spend £1,200 at a purchase rate of 31.0% (variable) p.a. with a fee of £650 per annum, your representative rate is 704.6% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Pulse Card Mastercard (existing NewDay customers only)	3.0 ★★★★★	★★★★★ Expert analysis	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 Finder Award	5.0 ★★★★★	★★★★★ Expert analysis	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	3.5 ★★★★★	★★★★★ Expert analysis	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...

Name	Finder score	Annual/monthly fees	Initial credit limits	Minimum income	Representative APR	Incentive	Link
Barclaycard Forward Credit Card	4.0 ★★★★★	£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).	Go to site Read review	Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card	3.5 ★★★★★	£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).	Check eligibility Read review	Compare	loading Fetching your data...
Zable credit card	3.5 ★★★★★	£0	Min. limit £200, max. limit £1,500.	£9,600	48.9%	Representative example: Representative 48.9% APR (variable). Based on assumed borrowing of £1200. Rate of interest 48.9% (variable) annual.	Check eligibility Read review	Compare	loading Fetching your data...
AIB Student Credit Card Additional account needed	4.0 ★★★★★	£0	Min. limit £300, max. limit not specified.	Not specified	12.9%	Representative example: When you spend £1,200 at a purchase rate of 12.2% (variable) p.a., your representative rate is 12.9% APR (variable).	Read review	Compare	loading Fetching your data...
HSBC Student Credit Card Visa Additional account needed	3.5 ★★★★★	£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).	Read review	Compare	loading Fetching your data...
TSB Student Credit Card Additional account needed	3.5 ★★★★★	£0	Min. limit £500, max. limit £1,000.	Not specified	21.9%	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...
Sainsbury's Bank Everyday Credit Card Mastercard	4.0 ★★★★★	£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...
Tymit Credit Card	4.0 ★★★★★	£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...
Tesco Bank Foundation Card Finder Award	4.0 ★★★★★	£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...
Bip Credit Card Mastercard	4.0 ★★★★★	£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...
HSBC Classic Credit Card	4.0 ★★★★★	£0	Min. limit £250, max. limit not specified.	£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	3.5 ★★★★★	£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...
TSB Classic Credit Card Mastercard	4.0 ★★★★★	£0	Min. limit £500, max. limit not specified.	Not specified	30.9%	Representative example: When you spend £1,200 at a purchase rate of 30.95% (variable) p.a., your representative rate is 30.9% APR (variable).	Read review	Compare	loading Fetching your data...
Vanquis Bank Credit Builder Credit Card Visa	3.5 ★★★★★	£0	Min. limit £500, max. limit £1,200.	Not specified	34.5%	Representative example: When you spend £1,000 at a purchase rate of 34.5% (variable) p.a., your representative rate is 34.5% APR (variable).	Read review	Compare	loading Fetching your data...
Capital One Classic Credit Card	3.5 ★★★★★	£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...
Zopa Credit Card Visa	4.1 ★★★★★	£0	Min. limit £200, max. limit £1,500.	£10000	34.9%	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...
Post Office Classic Card	4.0 ★★★★★	£0	Min. limit £200, max. limit £8,000.	Not specified	34.9%	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...
Asda Money Select Credit Card	3.5 ★★★★★	£0	Min. limit £250, max. limit £5,000.	Not specified	34.9%	Earn £20 Asda Pounds when you spend £50 and set up a direct debit in the first 60 days by 13 May 2024. Terms apply. 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...
Fluid Credit Card	4.0 ★★★★★	£0	Min. limit £250, max. limit £4,000.	£5000	34.9%	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...
Aqua Classic Credit Card	4.0 ★★★★★	£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	Finder score	Finder score	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive	Link
British Airways American Express® Premium Plus Card Finder Award	4.0 ★★★★★	★★★★★ Expert analysis	31%	£300 per annum	Min. limit £700, max. limit not specified.	139.9% APR (variable)	Welcome offer: 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 31.0% (variable) p.a. with a fee of £300 per annum, your representative rate is 139.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
British Airways American Express® Credit Card Finder Award	4.0 ★★★★★	★★★★★ Expert analysis	31%	£0	Min. limit £700, max. limit not specified.	31% APR (variable)	Earn 5,000 points when you spend £1,000 within 3 months of account opening. Terms apply. UK 18+, subject to status. Earn 1 Avios for virtually every £1 spent. Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Virgin Money Virgin Atlantic Reward Plus Credit Card Finder Award	4.0 ★★★★★	★★★★★ Expert analysis	26.9%	£160 per annum	Min. limit not specified, max. limit not specified.	69.7% APR (variable)	Earn 18,000 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...
Virgin Money Virgin Atlantic Reward Credit Card Finder Award	3.9 ★★★★★	★★★★★ Expert analysis	26.9%	£0	Min. limit not specified, max. limit not specified.	26.9% APR (variable)	Earn 3,000 bonus points with your first card purchase made within 90 days of account opening. 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...
Barclaycard Avios Plus Card	4.0 ★★★★★	★★★★★ Expert analysis	29.9%	£20 per month	Min. limit £50, max. limit not specified.	80.1% 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 7,000 bonus Avios. Avios value varies dependent on reward (min 1,000pts for flights) Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a. with a fee of £20 per month, your representative rate is 80.1% APR (variable).	Read review	Compare	loading Fetching your data...
Lloyds Bank World Elite Mastercard	4.2 ★★★★★	★★★★★ Expert analysis	22.94%	£15 per month	Min. limit not specified, max. limit not specified.	55% APR (variable)	0.5% on £1 to £15000 of yearly spend. 1% after £15001 of yearly spend. Cashback paid Anniversary 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 22.94% (variable) p.a. with a fee of £15 per month, your representative rate is 55% APR (variable).	Read review	Compare	loading Fetching your data...
Halifax World Elite Mastercard	4.2 ★★★★★	★★★★★ Expert analysis	22.94%	£15 per month	Min. limit not specified, max. limit not specified.	55% APR (variable)	0.5% on £1 to £15000 of yearly spend. 1% after £15001 of yearly spend. Cashback paid Anniversary 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 22.94% (variable) p.a. with a fee of £15 per month, your representative rate is 55% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Avios Card	4.0 ★★★★★	★★★★★ Expert analysis	29.9%	£0	Min. limit £50, max. limit not specified.	29.9% 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 7,000 bonus Avios. Avios value varies dependent on reward (min 1,000pts for flights) 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...

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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Izzy Thomas

Izzy Thomas is a Senior Associate Publisher at Finder specialising in credit-based products including credit cards, business loans and personal loans. Izzy has a Masters in Publishing and a Bachelor of Arts in International Business Management.

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