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Compare the UK’s best credit cards of 2019

We compare the whole UK market daily so you can bag the biggest rewards, longest 0% interest offers or lowest fees available.

Finder’s top credit cards of 2019

CardGreat for…Representative APR
Barclaycard Platinum 29 Month Balance Transfer VisaSavings on existing card debt19.9%
British Airways American Express CardAvios for frequent flyers22.9%
Tesco Bank Foundation Clubcard Credit CardLoyalty points even with bad credit27.5%
M&S Bank Shopping Plus MastercardSpread the cost of purchases19.9%
American Express Platinum Cashback Everyday CardCashback on day-to-day spending22.9%
American Express Preferred Rewards Gold CardPremium rewards and sign-up bonus57.6%
Tandem Journey Credit CardCommission-free currency conversion24.9%

Looking for the best credit card available? The reality is that it’s different for different people, and the right credit card for you will depend on your spending habits, the features you’re looking for and your financial circumstances.

Here are some of the main types of credit card available. For each type you’ll find step-by-step advice on how to choose the best credit cards of that type, easy-to-use comparison tables and our “top pick” recommendation (find out how we choose our top picks).

Rewards credit cards: Spend big and enjoy perks

Rewards credit cards offer points or cash based on the amount you spend. This “earn-rate” may vary according to where you use the card. A Tesco reward card is likely to earn you points at a higher rate when you use it in Tesco, for example. You can typically redeem your points for shopping, travel, gift vouchers etc.
Full guide to rewards cards

Finder's pick: American Express Preferred Rewards Gold Card

  • Earn Membership Rewards points for every pound you spend
  • Annual fee is waived in the first year
  • Two complimentary airport lounge visits per year

Our verdict: As well as earning Membership Reward points as you spend, with this card you'll enjoy an introductory bonus of 20,000 points – provided you spend £2,000 in your first three months. You'll also be able to benefit from up to 56 days of 0% interest on purchases each billing cycle, as long as you clear your balance in full each month. After the first year, you'll want to weigh up whether the annual fee is still worth paying.

Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £140 per annum, your representative rate is 57.6% APR (variable).

Cashback credit cards: Earn cash not points on your day-to-day spending

Cashback credit cards reward you for spending in the form of pounds or credit on your account. How much you can earn will depend on the card’s “earn-rate”, plus any “earnings caps”. Cards that are affiliated with a brand may offer a better earn-rate when you spend with that brand, and in some cases cards come with an introductory enhanced earn-rate for a specified period or an enhanced earn-rate once your spending has exceeded a specified threshold.
Full guide to cashback credit cards

Finder's pick: American Express Platinum Cashback Everyday Card

  • Earn 0.5% cashback on purchases plus a welcome bonus
  • Earn 1% after £5001 of yearly spend.
  • No annual fee

Our verdict: With no annual fee, provided you don't carry a balance from month to month, this card offers the chance to earn cashback at a respectable rate. If you do expect to carry a balance, you'll likely spend more on interest than you earn in cashback, however. For big-spenders, Amex also offers a second platinum cashback card with a better earn-rate offset by a small annual fee.

Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).

Frequent flyer credit cards: Earn travel rewards as you spend

Frequent flyer credit cards let you earn frequent flyer points or air miles on everyday purchases, either directly or by transferring card reward points to your chosen airline loyalty programme. These cards tend to be more premium options, so there’s often an annual fee to consider, but chances are it’ll be offset by some tasty perks.
Full guide to frequent flyer cards

Finder's pick: British Airways American Express Card

  • Earn 1 Avios for virtually every £1 spent
  • 5,000 bonus Avios if you spend £1,000 in your first 3 months
  • Refer a friend and earn 4,000 bonus Avios

Our verdict: Perfect for fans of Avios – one of the biggest names in frequent flyer schemes – with this card you'll earn points whenever you use it, to redeem with BA or a number of other airlines, for flights, flight upgrades, hotel stays and more. You'll also be able to benefit from up to 56 days of 0% interest on purchases each billing cycle, provided you clear your balance in full each month. With no annual fee, used carefully, this card could pay dividends.

Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).

Credit builder credit cards: Kick-start a positive credit history

Simple credit cards designed to improve credit scores, for people with bad or no credit history. Expect low starting credit limits which can be quickly reviewed provided the card is used responsibly. This type of card will often be a “stepping stone” product to credit products with a better interest rate.
Full guide to credit builder cards

Finder's pick: Tesco Bank Foundation Clubcard Credit Card

  • Collect Tesco Clubcard points on all your spending
  • Regular optional credit limit increases if you manage your account well

Our verdict: Designed to help improve and rebuild your credit rating, this card additionally offers the chance to boost your ClubCard earn-rate. As you'd expect, it's frequent Tesco shoppers who don't carry a balance month to month that stand to benefit most. Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction.  Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel.

Representative example: When you spend £1,200 at a purchase rate of 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).

0% purchase credit cards: Spread the cost of large purchases

0% purchase credit cards let you make purchases up to your credit limit and then pay 0% interest on them for a promotional, introductory period. At the end of this period, any outstanding balance will start to accrue interest at the card’s standard purchase rate, which will be much higher.
Full guide to 0% purchase cards

Finder's pick: M&S Bank Shopping Plus Mastercard

  • Purchases 0% for 20 months reverting to 19.9%
  • Balance transfers 0% for 20 months reverting to 19.9%
  • Earn reward points whenever you use your card

Our verdict: Repaying debt doesn't have to be all bad. Provided you expect to be able to pay off purchases within the 20-month interest-free period (if not, then there are longer 0% periods out there), this card could make your spending go a little further. Earn 1 point for every £1 spent at Marks and Spencer's and 1 point or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.

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).

Balance transfer credit cards: Repay debt at 0% interest

Balance transfer credit cards let you move existing credit card debt to a new card, where you’ll enjoy 0% interest on the balance for a set period. At the end of this introductory 0% period, the card’s standard rate kicks in – which is typically much higher. Provided you don’t use them for additional spending, these cards allow you to clear debt faster, because all of your monthly repayment goes towards the outstanding balance.
Full guide to balance transfer cards

Finder's pick: Platinum 29 Month Balance Transfer Barclaycard

  • Balance transfers 0% for 29 months reverting to 19.9%
  • Purchases 0% for 6 months reverting to 19.9%
  • Balance transfer fee of 1.99% for transfers in first 60 days

Our verdict: Barclaycard offers a range of balance transfer deals, and this lengthy offer comes with a reduced transfer fee (normally a reduced fee means a shorter 0% period). The 6-month 0% purchases deal is better than you'd get with many competing deals, and even if you don't plan to use it, it's reassuring to have the option. And, as a sweetener, you can use the Barclaycard Entertainment scheme to bag pre-sale tickets, discounted tickets and event perks at an impressive range of big-name gigs.

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).