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% | |
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first direct | first direct is HSBC’s digital-only little sister, offering a boutique (AKA “small”) range of credit cards. | 90% | |
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M&S Bank | M&S Bank was highly commended in 2023. Its cards are provided in partnership with HSBC. | 90% | |
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Yonder | This year was the first time we heard from Yonder customers. Yonder cards are all about local rewards (tailored to specific cities). | 87% | |
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Tesco Bank | Highly commended last year, Tesco Bank, comes in 5th this year. | 87% | |
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Lloyds Bank | Lloyds Bank offers balance transfer cards, all-rounders and more. | 87% | |
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Zable | Lendable brand Zable is a straightforward card for people who don’t have excellent credit, offering a stripped-back fee structure. | 87% | |
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Asda Money | Asada Money’s credit cards are aimed at people with limited/damaged credit, but have the sweetener of “Asda Pound” rewards. | 87% | |
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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% | |
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NatWest | NatWest is a high-street staple offering credit cards for balance transfers, rewards and more. | 83% | |
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American Express | | 83% | |
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John Lewis | John Lewis just has the one card, and as you might expect, it particularly rewards shopping at John Lewis or Waitrose. | 83% | |
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Virgin Money | Virgin Money has a broad range of credit cards to suit different financial requirements and a variety of purposes. | 83% | |
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Royal Bank of Scotland | | 80% | |
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HSBC | HSBC has a broad range of cards, including for students, for balance transfers and for earning rewards. | 80% | |
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MBNA | Part of the Lloyds Banking Group, MBNA is a frequent table-topper when it comes to ultra-long 0% deals. | 80% | |
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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% | |
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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% | |
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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% | |
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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% | |
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Santander | Santander’s range includes balance transfer cards, and deals with cashback on your spending. | 67% | |
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Capital One | Capital One offers credit cards to help people improve a bad credit rating. | 63% | |
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Vanquis Bank | Vanquis Bank’s credit cards are designed for those who want to build their credit profile. | 67% | |
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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% | |
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