Best credit cards 2026: Rated by pros

Today's top 10 deals

Best for...	Brand	Deal
Balance transfers	TSB	38 months at 0%
No-fee balance transfers	Barclaycard	14 months at 0%
0% purchases	M&S Bank	25 months at 0%
Cashback	American Express	Up to £125 initial cashback then 0.5%
Rewards	American Express	20,000 welcome points then 1 per £
Rewards (non-Amex)	Yonder	10,000 welcome points then 5 per £
Spending overseas	Lloyds Bank	0% forex fees and 0.25% cashback
Frequent flyers	American Express	5,000 welcome points then 1 per £
Frequent flyers (non-Avios)	Virgin Money	3,000 welcome points then 0.75 per £
Bad credit	Tesco Bank	Credit limits from £200

Our experts evaluated the full UK card market and boiled it down to this shortlist. Click on individual deals above to see why we think they're top, plus runners up by category.

Balance transfers

TSB Platinum Balance Transfer Card

• Finder Score: 8/10
• Interest-free periods: 0% interest on balance transfers for 38 months with a fee of 3.49%. 0% interest on purchases for 3 months.
• Account fee: £0.
• Why we like it: Over 3 years at 0%! That's a great chunk of time to focus on reducing debt. And crucially, TSB estimates your credit limit from a soft search (not all banks do this), so you can see your likelihood of approval and likely credit limit, all without impacting your credit score.
• Need to know: Balance transfers need to take place in the first 90 days and there's a rather painful 3.49% fee per balance transferred. If you don't need such a long 0% period to clear your debt, then think about the no-fee offer below. As ever, when the 0% period ends, any outstanding balance will be subject to the credit card's standard interest rate.
• Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.95% p.a. (variable).

Check eligibility

• How do balance transfer cards work?

  Balance transfer credit cards let you move existing credit card debt to a new card at a different bank, 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. The catch? There's generally a "balance transfer fee" to pay - which is a percentage of the balance you're transferring.

• Who are balance transfer credit cards suited to?

  If you have existing credit card debt that's accumulating interest, a balance transfer deal can help you to pay off that debt faster (and more cheaply).

• What makes the best balance transfer credit card?

  1. How long is the balance transfer offer? Divide your outstanding debt by the number of months at 0%, and you'll see how much you'd need to pay each month to clear your debt.
  2. How much is the balance transfer fee? Balance transfer deals usually come with a balance transfer fee, which is a percentage of the amount being transferred – typically around 3%. That becomes more significant if you're transferring a large balance. Fee-free balance transfer deals are available but have shorter 0% interest periods.
  3. Are there any limitations? Check whether the 0% rate only applies to transfers within a specific window from account opening. For example, a card's promotion might be worded: "0% interest for 24 months on balances transferred within 60 days from account opening".
  4. What's the revert rate? When the promotional 0% period is up, you'll start being charged interest on any outstanding balance. If there's a chance you won't clear your balance before this point, then the rate that your balance reverts to should be a consideration. Yes, you could apply for a new 0% deal at this point, but acceptance is never guaranteed.
  5. What other fees apply? The vast majority of balance transfer cards don't charge an annual fee. If you're going to use the card for additional spending (ideally avoid this), then other types of fees might apply – such as cash advance fees or non-sterling transaction fees.
  6. Are you eligible? The longest 0% deals on the market are likely to be restricted to individuals with very good credit. Look for an "eligibility checker" so that you can find out if you're eligible without affecting your credit score. It's not unusual for applicants with less-than-perfect credit scores to be offered a shorter 0% deal. Because it's all about acquiring new customers, you'll need to be moving the debt from a different banking group (you can't balance transfer from First Direct to HSBC, for example).
  7. What other features does the card come with? While the details of the balance transfer interest deal are likely to be your primary focus, some cards will have other features might benefit you. For example, Sainsbury's Bank or American Express credit card might reward your spending with Nectar points.

All balance transfer cards

0% purchases

M&S Bank Purchase Plus Credit Card

• Finder Score: 9.9/10
• Interest-free periods: 0% interest on purchases for 25 months. 0% interest on balance transfers for 12 months with a fee of 3.49%.
• Benefits: 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.
• Account fee: £0.
• Why we like it: Some banks get you on the T&Cs, offering 25 months' 0% interest 'on purchases made in your first 60 days', but with this card it's nice and clear – no interest on purchases for 12 months.
• Need to know: It's possible you could be offered 15 months at 0% 'depending on individual circumstances'. M&S doesn't estimate your credit limit from a 'soft' search of your credit file (no impact on your credit score), but it does give you your 0% period and likelihood of approval.
• Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).

Check eligibility

• How do 0% purchase cards work?

  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.

• Who are 0% purchase cards suited to?

  If you're anticipating a major upcoming expenditure – perhaps a new car or getting hitched, then a 0% purchase credit card could be the best credit card for you, letting you spread the cost without incurring interest.

• What makes the best 0% purchase credit card?

  1. How good is the 0% purchase offer? Purchases offers feature 0% interest during the promotional period only, so you'll want to consider how long the promotional period lasts. Check to see if the 0% rate applies to purchases made at any point during the promotional period or if it only applies to purchases made within a specified window from account opening.
  2. What's the revert rate? When the promotional 0% period is up, you'll start being charged interest on any outstanding balance. If there's a chance you won't clear your balance before this point, then the rate that your balance reverts to should be a consideration. Yes, you could apply for a new 0% deal at this point, but acceptance is never guaranteed.
  3. What fees apply? Some cards come with an annual or monthly fee, although these tend to be the more premium rewards cards. Other fees you could find yourself hit with include cash advance fees and non-sterling transaction fees.
  4. Are you eligible? The longest 0% deals on the market are likely to be restricted to individuals with good credit. Most card issuers now offer a "soft search" facility though, so you can find out if you're eligible without affecting your credit score. It's not unusual for applicants with less-than-perfect credit scores to be offered a shorter 0% deal.
  5. What other features does the card come with? While the details of the 0% purchases deal are likely to be your main focus, some cards will have other features might benefit you. For example, a Sainsbury's Bank or American Express credit card might reward your spending with Nectar points.

All 0% purchase cards

Cashback

Amex Cashback Everyday Credit Card

• Finder Score: 7.5/10
• Benefits: Get 5% cashback on your purchases (up to £125) for the first 5 months of Cardmembership and 0.5% thereafter (or 1% on annual spend over £10,000). Earn £20 cashback for each friend you invite (provided they're approved).
• Account fee: £0.
• Why we like it: An accessible and easy-to-use card that rewards your everyday spending with cashback. If you spend £500 a month on the card, you stand to earn £142.50 cashback in year one. With no annual fee, provided you pay off your balance in full each month, this card needn't cost you a penny.
• Need to know: If you don't pay off your balance in full every month, you're likely to pay more in interest than you earn in cashback, and a 0% purchase or low rate card might be more suitable for you. You'll need to spend £3,000 per year to qualify for cashback.
• Representative example: Representative 29.4% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.4% p.a. (variable).

Check eligibility

• How do cashback credit cards work?

  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.

  Cashback cards are the best credit cards for big spenders who clear their balance in full every month and who prefer the simplicity of cash rewards instead of point rewards will stand to benefit the most from this type of card.

• What makes the best cashback credit card?

  1. What's the earn rate? Be realistic about how much you'd actually use the card, and calculate how much this would earn you, considering both the earn rate plus any caps or restrictions on cashback. It's not unusual for the earn rate to vary depending on where you use your card and/or how much you spend.
  2. Is there a cap on earnings? Many cashback cards limit the total cashback you can earn over a specified period.
  3. Is there a minimum spend? Sometimes, you'll need to spend a certain amount within a specified timeframe to maximise cashback earnings.
  4. Is there an introductory promotion? Cashback cards sometimes come with a juicy bonus – typically an enhanced earn rate for a specified period. It might be that the "best" cashback option will only be the best for a certain period...
  5. Do you actually earn cashback (account credit) or vouchers? Watch out for cards billed as offering cashback that issue vouchers (with restrictions on where they can be redeemed). Not really the same, is it?
  6. How much will the card cost to run? Interest rates on purchases tend to be quite high with this type of credit card, so if you carry a balance from month to month, the interest will probably outweigh the cashback earnings. Check whether or not the card you're considering has a monthly or annual fee.
  7. Are you eligible? Some deals will be restricted to individuals with good credit. Most card issuers now offer a "soft search" facility, however, so you can find out if you're eligible without affecting your credit score.
  8. What other features does the card come with? While the cashback terms are likely to be your primary focus, some cards will have other features might benefit you.

All cashback cards

Rewards

American Express Preferred Rewards Gold Credit Card

• Finder Score: 9.4/10
• Benefits: 2 complimentary airport lounge visits every year, 20,000 Membership Rewards Points welcome bonus (provided you spend £3,000 in your first 3 months), plus an otungoing earn rate of 1 point per £1 spent.
• Account fee: £195 per year.
• Why we like it: Amex is working super hard to entice and retain new customers – performing consistently well in our customer satisfaction surveys. This statement rewards card offers points by the bucketload – when you join, as you spend, when you refer friends or add an additional cardholder, and also on the anniversaries of your being a cardholder. Plus, there are more perks to unlock through the app. Did we mention travel inconvenience and travel accident insurance (subject to enrolment)?
• Need to know: While accepting Amex is increasingly becoming the norm, some places still only take Visa or Mastercard.
• Representative example: Representative 86.3% APR variable. Based on £195 annual fee, assumed borrowing of £1,200. Rate of interest 29.4% p.a. (variable).

Check eligibility

• How do rewards cards work?

  Rewards credit cards offer points or cashback based on the amount you spend and may also offer an introductory "welcome" bonus. Your points "earn rate" may vary according to where you use the card – a Tesco reward card will 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. Premium rewards cards may bundle in other perks, like airport lounge access or flight upgrades, for example, but this could be offset by an annual fee, in which case you should weigh up whether the benefits would outweigh the running costs.

• Who are rewards cards suited to?

  Big spenders who clear their balance in full stand to benefit the most, and because these cards are often affiliated with a brand, for example, John Lewis or Sainsbury's, if it's a brand that you regularly spend money with, you're likely to appreciate the rewards more. If you don't clear your balance each month, you could be earning more in interest.

• What makes the best rewards credit card?

  1. What kind of rewards do you want to redeem? Reward programmes differ greatly in the variety of rewards they offer, from flights to shopping, gift cards and experiences. If the rewards on offer appeal to you, great. If they appeal to you and they stand to save you money, that's even better.
  2. What's the earn rate? Check how many points a card offers per £1 spent. It's not unusual for the earn rate to vary depending on where you use your card and/or how much you spend, so be realistic about how many points you'll accrue.
  3. Is there a bonus on account opening? Rewards cards very often come with an introductory sweetener, like a lump sum of reward points or an enhanced earn rate for a limited period.
  4. Is there a cap on points earnings? Many rewards credit cards also have points caps that only allow you to earn a specified amount of points during a statement period or over a year.
  5. Is there a minimum spend? Sometimes you'll need to spend a minimum amount within a specified timeframe to enjoy that introductory bonus or to unlock the best earn rates.
  6. How much will the card cost to run? The right rewards card for you should earn you more than it costs to run. Weigh up any annual/monthly fee (plus any interest charges you anticipate incurring) against the value of any rewards you expect to earn.
  7. Is this a card for the short term or the long term? The best credit card deal for you might only be the best for a short time. Your strategy might be to get the card, spend the minimum necessary to bag any introductory rewards, then ditch it. Or, you might not want the hassle of changing cards every year or so. Whether you're more interested in the short view or the long view will impact the importance of any introductory bonuses to you.
  8. Are you eligible? Most card issuers now offer a "soft search" facility so you can find out if you're eligible without affecting your credit score.
  9. What else can the card do for you? Check the other features of the card, such as complimentary insurance, airport lounge passes or balance transfer offers.

All rewards cards

Travel

Lloyds Bank Ultra Credit Card

• Finder Score: 8.8/10
• Benefits: Benefit from fee-free currency conversion on non-sterling transactions while earning 1% cashback in year 1 and 0.25% thereafter (uncapped).
• Account fee: £0.
• Why we like it: You can add up to 3 additional cardholders at no extra cost. All cards are your responsibility, but you could earn cashback faster! You can freeze cards from the app if you need to.
• Need to know: Although Lloyds shouts about the fact that there's no charge for withdrawing cash with this new card, we wouldn't advise using it for that. Interest kicks in straightaway (no '56 days interest free') on that part of your balance, and the fact you withdrew cash on a credit card will be recorded on your credit file (which some lenders don't like to see).
• Representative example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.94% p.a. (variable).

Check eligibility

• How do travel credit cards work?

  These credit cards are designed to make it more affordable to spend money overseas or online with international retailers. Unlike most debit and credit cards, they don't charge a foreign transaction fee when you use your card to spend in an international currency. Currencies will usually be converted using the standard Mastercard rate or Visa rate. Just remember that "fee-free" does not mean "interest-free".

  When you're using one of these cards, don't forget that if a merchant/bank abroad offers to take payment in sterling (this is called dynamic currency conversion), you should decline and choose to pay in the local currency. Otherwise, it will be the local bank or merchant whose currency conversion fee structure will apply rather than your card issuers.

• Who are travel credit cards suited to?

  If you're a frequent traveller, have a holiday coming up or regularly use your credit card for shopping with international stores online, a no foreign transaction fee card could be a smart way to avoid extra costs.

• What makes the best low or no foreign transaction fee card?

  1. Does commission-free currency conversion apply to the country you're visiting? While there are plenty of cards offering fee-free spending overseas, some will restrict this to Europe. Sometimes the quickest way to get to the bottom of this one is to look for the card's "summary box" (all card issuers are obliged to provide this standardised document).
  2. What network is the card on? There's no getting away from it – Visa and Mastercard are the most widely accepted networks. If a merchant takes plastic, it probably takes Visa and Mastercard. If you're all about Amex, then bear in mind these are expensive to use overseas, and it could be worth backing it up with a travel-focused Visa or Mastercard.
  3. What point is interest charged from? Usually, provided you clear your balance in full each month, you can enjoy up to 55 or 56 days interest-free on your purchases. However, it's not unusual for non-sterling transactions to incur interest from the day on which your account was debited, regardless of your repayment habits.
  4. What fees will apply if you withdraw cash abroad? Withdrawing cash on a credit card should be avoided – it can impact your credit score. But if you're going to do it (perhaps if you're heading to a country with a largely cash-based economy), does your credit card's commission-free currency conversion promise apply to cash advances? And is there a flat fee for cash advances? Do you still avoid paying interest on cash advances, provided you pay off your balance in full each month? Finally, don't forget that whatever your card issuer's policy is, a bank overseas may still charge you for the privilege of using their cash machine.
  5. Are there any travel perks? If you're looking to use your card overseas, see if it can offer further savings/earnings like complimentary credit card travel insurance. The insurance available and eligibility requirements differ from card to card, so comparing options will help you make sure the cover is right for you. Other travel perks that could come with a no foreign transaction fee card include rewards programmes and airport lounge access.
  6. How much will the card cost to run? You may be saving on foreign currency conversion fees, but you'll want to make sure any interest or annual/monthly account fees that you stand to incur don't outweigh these savings. It's not unusual for a travel credit card to be your "second" credit card – in other words, you might have one card for use at home and one for using when you're out of the country.
  7. Are you eligible? Some deals will be restricted to individuals with good credit. Look for a "quick check" or "eligibility checker" facility, so that you can find out if you have a decent shot at getting approved.

All travel credit cards

Frequent flyer points

British Airways American Express Credit Card

• Finder Score: 7.7/10
• Benefits: Collect 1 Avios for every £1 you spend plus a 5,000 Avios welcome bonus if you spend £2,000 in your first 3 months. You'll also bag a companion voucher (use this to take a companion with you on the same flight or, if travelling solo, a 50% discount on the Avios price you pay for your flight) if you spend £15,000 in a membership year (membership years start and end on the anniversary of taking out the card).
• Account fee: £0.
• Why we like it: With no annual fee, this is a great introduction to collecting air miles. You can also opt for the Premium Plus version for an even better earn rate and heftier intro bonus in return for an annual fee. If what you'll earn in rewards outweighs the annual fee, then that could be a smart choice.
• Need to know: If you're not going to pay off your balance in full each month, chances are you'll pay more in interest than you'll earn in air miles. If that sounds like you, you could consider a 0% purchase or low rate deal instead.
• Representative example: Representative 29.4% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.4% p.a. (variable).

Check eligibility

• How do frequent flyer credit cards work?

  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 e.g. Avios. 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.

• Who are frequent flyer cards suited to?

  Frequent flyer cards are suited to anyone who wants to maximise their points total to enjoy free flights and other benefits. Frequent flyer cards are also suited to those who spend a lot on their credit card but also clear their balance in full each month stand to benefit the most. Naturally, frequent flyer cards are the best credit cards for those who travel (or plan to travel) often.

• What makes the best frequent flyer credit card?

  1. Which frequent flyer programme is available? Some credit cards are tied directly to a specific airline rewards scheme, such as Virgin's Flying Club or Lufthansa's Miles & More. Others allow you to transfer credit card reward points to partner frequent flyer programmes. Lloyds Bank, for example, offers a card that earns Avios, which can be redeemed with a number of airlines.
  2. What is the points earn rate? The earn rate is the number of points you earn per £1 spent. It's not unusual for the earn rate to vary depending on where you use your card and/or how much you spend. Sometimes, there are limitations to what purchases are eligible for points, so make sure you read your card's T&Cs.
  3. Is there an introductory promotion? These cards often come with a "welcome bonus" – either a lump sum of points or a better points earn rate for a specified period.
  4. Is there a cap on points earnings? Check whether there's a cap on how many points you can earn each month or each year.
  5. Is there a minimum spend? Sometimes, you'll need to spend a certain amount within a specified timeframe to maximise points/miles earnings.
  6. How much will the card cost to run? Is there an annual/monthly account fee to pay, and if there is, do the potential rewards outweigh this? If you anticipate carrying a balance from month to month, what interest rate will you be charged?
  7. Are there any other perks? What other features do you want from your card? Does it come with perks like complimentary insurance or airport lounge access?
  8. Are you eligible? Most card issuers now offer a "soft search" facility so you can find out if you're eligible without affecting your credit score.

All frequent flyer cards

Credit building

Tesco Bank Foundation Credit Card

• Finder Score: 8.3/10
• Benefits: Designed for customers with a less-than-perfect credit record or simply not much in the way of credit history, Tesco offers a popular card to help you build your credit.
• Account fee: £0.
• Why we like it: Credit Builders rarely offer much in the way of perks, but Tesco's Foundation card lets you earn Clubcard points on day-to-day spending (at Tesco or elsewhere). It also lets you track your credit score through Tesco Bank CreditView.
• Need to know: The card's standard interest rate is relatively high, making it an expensive option if you don't clear your balance in full each month. Ideally, you should set up a direct debit to clear your full balance each month (Tesco Bank can do this for you). Expect a low initial credit limit – from £200 to £1,500, depending on Tesco Bank's assessment of your situation. After a few months, you may be able to request an increase if you've made all repayments on time.
• Representative example: Representative 29.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).

Check eligibility

• How do credit builder cards work?

  Credit builders are simple credit cards designed to improve credit scores for people with bad or no credit history. Expect low starting credit limits that 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.

• Who are credit builder cards suited to?

  Credit builder cards are best suited to first-time credit card users or those looking to rebuild a poor credit record to increase their credit score.

• What makes the best credit builder credit card?

  1. Are you eligible? Start by checking whether you're likely to be able to get approved for the card. Most card issuers offer a "soft search" facility so that you can find out if you're eligible without affecting your credit score.
  2. How much will the card cost to run? These types of cards tend not to charge annual fees, but you should aim to pay off your full balance every month, as the standard interest rates tend to be high.
  3. What credit limits are available, and when are they reviewed? Credit builder cards tend to come with lower credit limits than other cards, but provided you use them responsibly, this will typically be reviewed after a specified interval. Limits are tailored to the individual, but a card issuer may declare the minimum and maximum credit limits available with a particular card.
  4. Does the card have any perks? Credit builders clearly aren't about the rewards, but a select few do let you collect points on your spending or offer fee-free spending overseas.

All credit builder cards

How we choose our top credit cards

Founded in 2006, Finder has been comparing credit cards for more than 15 years. Here’s an overview of the criteria we use to pick our top credit cards:

• The best at doing the job they’re meant to. There’s no absolute “best credit card” for everyone, so our aim is to help you find a card that works for you. That’s why we picked a card for each of the main types.
• Quality and price. Zero annual fees and low APRs sometimes don’t tell the whole story – we take them into account but also look at what you get in return.
• Going the extra mile with rewards. Some credit cards do the job just fine but don’t give you anything else. We like credit cards that offer ongoing rewards, be it tickets for your favourite concert or extra supermarket loyalty points.

Finally, we check whole-market rates, fees and terms every single day to make sure the features on our credit card tables are accurate. Read more about our ratings methodology for credit cards.

Top credit card companies for customer satisfaction

We asked credit card users to rate their card issuer and tell us whether they’d recommend it to a friend. Our independent survey of more than 750 card customers was carried out in January 2025.

Card issuer	About	Would recommend	Range and review
Monzo	Monzo is this year’s winner. Its “Flex” credit card functions like a buy now pay later service – perhaps not surprising given the brand’s popularity with younger adults.	93%	Read review
first direct	first direct is HSBC’s digital-only little sister, offering a boutique (AKA “small”) range of credit cards.	90%	Read review
M&S Bank	M&S Bank was highly commended in 2023. Its cards are provided in partnership with HSBC.	90%	Read review
Yonder	This year was the first time we heard from Yonder customers. Yonder cards are all about local rewards (tailored to specific cities).	87%	Read review
Tesco Bank	Highly commended last year, Tesco Bank, comes in 5th this year.	87%	Read review
Lloyds Bank	Lloyds Bank offers balance transfer cards, all-rounders and more.	87%	Read review
Zable	Lendable brand Zable is a straightforward card for people who don’t have excellent credit, offering a stripped-back fee structure.	87%	Read review
Asda Money	Asada Money’s credit cards are aimed at people with limited/damaged credit, but have the sweetener of “Asda Pound” rewards.	87%	Read review
Barclaycard	Barclaycard offers a wide range of cards and has a long history of providing market-leading deals including some of the longest balance transfer periods going.	85%	Read review
NatWest	NatWest is a high-street staple offering credit cards for balance transfers, rewards and more.	83%	Read review
American Express	Perks specialist American Express was our winner in 2023 and runner up in 2024.	83%	Read review
John Lewis	John Lewis just has the one card, and as you might expect, it particularly rewards shopping at John Lewis or Waitrose.	83%	Read review
Virgin Money	Virgin Money has a broad range of credit cards to suit different financial requirements and a variety of purposes.	83%	Read review
Royal Bank of Scotland	Royal Bank of Scotland’s cards are very similar to those of its sister, NatWest. Both banks are part of NatWest Group.	80%	Read review
HSBC	HSBC has a broad range of cards, including for students, for balance transfers and for earning rewards.	80%	Read review
MBNA	Part of the Lloyds Banking Group, MBNA is a frequent table-topper when it comes to ultra-long 0% deals.	80%	Read review
Halifax	Halifax is also part of Lloyds Banking Group and offers a wide range of cards including the holiday favoutite Clarity card (with no fees for transactions abroad).	80%	Read review
Bank of Scotland	Another brand in the Lloyds Banking Group alongside Halifax and MBNA, Bank of Scotland offers a smaller range of cards than its siblings.	80%	Read review
118 118 Money	118 118 Money (yes, the two running chaps with moustaches) offers one credit card, tailored to people with low or no credit.	80%	Read review
Sainsbury’s Bank	Sainsbury’s Bank is our lowest-scoring supermarket brand this year. Its cards are all about 0% deals and Nectar points.	77%	Read review
Santander	Santander’s range includes balance transfer cards, and deals with cashback on your spending.	67%	Read review
Capital One	Capital One offers credit cards to help people improve a bad credit rating.	63%	Read review
Vanquis Bank	Vanquis Bank’s credit cards are designed for those who want to build their credit profile.	67%	Read review
Aqua	Bringing up the rear, Aqua offers credit cards designed to help people with a low credit score, or no credit history, to build up their credit records.	53%	Read review