Compare Visa credit cards

If you've got your heart set on a Visa credit card, this guide can help you find the right one.

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Visa provides the technology and network required for processing credit card payments. When you buy an item with a Visa credit card, the transaction will be processed on Visa’s network.

Visa and Mastercard are the largest card processors in the world, and their cards are accepted at millions of shops and other providers all over the globe. Broadly speaking, if a merchant takes credit card payments, they take Visa.

Compare Visa credit cards by type

Comparison is ordered by representative APR with affiliated products shown first.
Updated September 23rd, 2019
Name Product Balance transfers Balance transfer fee Purchases Rep. APR Incentive Representative example
0% for 12 months reverting to 15.9%
0% for 3 months reverting to 2.4% (min. £5)
0% for 12 months reverting to 15.9%
15.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).
0% for 12 months reverting to 17.9%
0% for 3 months reverting to 2.4% (min. £5)
0% for 12 months reverting to 17.9%
17.9% p.a. (variable)
Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
0% for 27 months reverting to 18.9%
2.29% (min. £5) for 3 months reverting to 2.9% (min. £5)
18.9%
18.9% p.a. (variable)
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).
0% for 28 months reverting to 19.9%
1.75% for transfers in first 60 days
0% for 6 months reverting to 19.9%
19.9% p.a. (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. Save 5% on food and drink at all UK 02 Academy venues.
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).
0% for 27 months reverting to 19.9%
2.7% for transfers in first 60 days
0% for 27 months reverting to 19.9%
19.9% p.a. (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).
0% for 20 months reverting to 19.9%
0% for transfers in first 60 days
0% for 6 months reverting to 19.9%
19.9% p.a. (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).
0% for 24 months reverting to 20.6%
0%
0% for 4 months reverting to 20.6%
20.6% p.a. (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).
0% for 25 months reverting to 21.9%
1.5% (min. £5) for 2 months reverting to 2.9% (min. £5)
0% for 3 months reverting to 21.9%
21.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).

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Updated September 23rd, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
0% for 12 months reverting to 15.9%
0% for 12 months reverting to 15.9%
£0
15.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).
0% for 17 months reverting to 16.9%
16.9%
£0
16.9% p.a. (variable)
Earn cashback with selected retailers via Visa Offers, customers can register up to five separate first direct Visa cards.
Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a., your representative rate is 16.9% APR (variable).
0% for 12 months reverting to 17.9%
0% for 12 months reverting to 17.9%
£0
17.9% p.a. (variable)
Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
0% for 6 months reverting to 19.9%
0% for 28 months reverting to 19.9%
£0
19.9% p.a. (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. Save 5% on food and drink at all UK 02 Academy venues.
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).
0% for 27 months reverting to 19.9%
0% for 27 months reverting to 19.9%
£0
19.9% p.a. (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 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 6 months reverting to 19.9%
0% for 20 months reverting to 19.9%
£0
19.9% p.a. (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 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 4 months reverting to 20.6%
0% for 24 months reverting to 20.6%
£0
20.6% p.a. (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).
0% for 3 months reverting to 21.9%
0% for 25 months reverting to 21.9%
£0
21.9% p.a. (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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).

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Updated September 23rd, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
16.9%
16.9%
£0
16.9% p.a. (variable)
0.25% after £1 of monthly spend. Cashback paid Monthly into Card Account.
Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a., your representative rate is 16.9% APR (variable).
21.9%
21.9%
£0
21.9% p.a. (variable)
0.25% after £1 of yearly spend. Cashback paid Monthly into Card Account. Cashback on purchases until 31.8.23. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).

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Updated September 23rd, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
14.71%
N/A
£0
14.7% p.a. (variable)
Eligible for Coutts Travel Rewards, receive a cash reward at participating retailers in selected countries.
Representative example: When you spend £1,200 at a purchase rate of 14.71% (variable) p.a., your representative rate is 14.7% APR (variable).
0% for 12 months reverting to 15.9%
0% for 12 months reverting to 15.9%
£0
15.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).

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How can I compare Visa credit cards?

  • Annual/monthly fees. A minority of credit cards charge an annual fee, which could be as low as £25 or upwards of £450 for an ultra-premium option. The credit card issuer determines the annual fee based on the features available, with more perks usually equalling a higher cost. For this reason, premium Visa cards can have higher fees because of the extra features they offer.
  • Interest rates. Standard credit card interest rates can significantly increase the cost of the card you choose, so it’s important to look at both the purchase rate and the cash advance rate for each card you compare. Again, these rates are set by the issuer but tend to be higher for more premium products.
  • Rewards. A wide range of Visa credit cards come with rewards programs or frequent flyer programs. These products offer you points per £1 spent on purchases and usually include other additional features as well as higher annual fees. When comparing rewards cards, consider the earn rate, the type of rewards available and your average card spending so that you can decide if the annual fee will be worth it.
  • Complimentary extras. Credit card providers may offer a range of additional perks, including complimentary insurance, concierge services, airport lounge access and flight vouchers. These benefits vary significantly between products, and they can add value to the card you choose if you use them.
  • Introductory offers. Credit card providers regularly offer new customers additional perks for a limited time, such as bonus points and 0% balance transfer rates or purchase rates. These features are available for an introductory period and can add short-term value to the card you choose.
  • Security services. In addition to the security services offered by Visa, such as “Verified by Visa”, credit card providers may offer 24/7 fraud-monitoring services, daily transaction limits or even the ability to temporarily lock your card if you have misplaced it. All credit cards are chip-and-PIN products, which offer superior security for in-person payments.

Different types of credit cards explained

The history of Visa

Visa’s history dates back to 1958 when the Bank of America launched the BankAmericard. This was the first mass-marketed credit card program, and it quickly grew in popularity.

By the 1970s, BankAmericard was an independent entity and went on to take the name Visa. Visa then launched VisaNet, which was the first electronic payment authorisation, clearing and settlement system in the world. It has continued to grow as a card payment processor since then and, like Mastercard, has been at the forefront of technologies including chip cards and contactless payments.

How does Visa make money?

Visa’s profits primarily come from the entities that use their services, such as banks and shops. Some of their sources of revenue include the following:

  • Card issuer fees. Visa charges financial institutions service fees for the use of their payment systems.
  • Bank settlement fees. Credit card issuers pay this fee at the time of settlement of payments.
  • Overseas fees. Visa charges issuers a fee for processing payments made in a foreign currency. These charges are often passed onto credit card customers in the form of a foreign currency or international transaction fee.

Frequently asked questions

We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although 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, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

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