Benefits and disadvantages of a credit card

9 Benefits of using a credit card

The perks that come with paying on plastic include:

• 1. A credit card is safer than carrying cash.
  While there’s only a small chance of having lost or stolen cash returned, a credit card can quickly be cancelled if you lose your wallet. Most financial institutions also have security processes in place to protect you if your card has been lost or stolen or if you suspect your account has been used for a fraudulent transaction. If you’re in any of these situations, make sure to contact your bank to report the issue as soon as possible.
• 2. We’re living in an increasingly cashless society.
  We’re starting to reach that point in our financial history where people are choosing to pay with plastic over paper. More merchants are now accepting a wider variety of cards, such as Amex and business cards, and some are even ditching cash payments altogether.
• 3. A credit card can build your credit rating.
  Your credit card account details and payment history make up a key part of your credit report. Provided you keep your account in good standing, this information will help you build up a good credit score, increasing your chances of approval for other products such as car loans or a mortgage.
• 4. You can get interest-free days.
  Provided you pay the balance in full before the statement period ends, many credit cards will offer a set number of days where you won’t pay interest on purchases. That can make a credit card a much smarter prospect than regularly dipping into your overdraft. Other, specialised cards go further – offering 0% interest for a number of months, allowing you to spread the cost of significant purchases.
• 5. Earn reward points when you spend.
  Rewards and frequent flyer credit cards allow you to earn reward points on every pound you spend on eligible purchases, such as groceries and petrol. Redeem the points with the lender’s rewards programs for perks including flights, products from the rewards store or cashback.
• 6. You can request a refund if you’re unhappy with a product or service.
  Thanks to Section 75 of the Consumer Credit Act, 1974, you can request a chargeback through your credit card company if your purchase is faulty, not as described, or does not arrive, and the merchant refuses to refund the money or has gone bust.
• 7. Credit cards work in any currency.
  Although currency conversion fees usually apply, it’s super-easy to use your Visa or Mastercard credit card abroad to make purchases in a foreign currency. There are even tailored credit cards that waive fees for international purchases – which could be useful if you often shop at overseas online stores or have an overseas holiday coming up.
• 8. Credit cards give you an emergency line of credit.
  Credit cards can be a financial safety net if you don’t have enough cash or savings to cover any unexpected costs that arise. Remember that you have to repay everything you owe, though.
• 9. Credit cards often have complimentary extras.
  Credit card features such as travel insurance, purchase protection and extended warranty insurance can save you money and give you peace of mind. Other value-adding features include complimentary flight offers, airline lounge passes and even free wine when you dine.
• 10. You can consolidate debts and save money on existing balances.
  Balance transfer credit cards allow you to move existing high-interest debts to a new account with a low or 0% promotional interest rate. This can save you money on interest charges and help you clear debt faster.

It’s also worth noting that, until recently, businesses often applied a surcharge when you paid with a credit card. Thankfully this is no longer allowed, so you won’t be charged extra when using your card.

6 Disadvantages of using a credit card

The downsides of spending with a credit card include:

• 1. Paying high rates of interest.
  If you carry a balance from month-to-month, then depending on the card you’ll be charged interest. The default interest rates can be painfully high, and can vary depending on the type of transaction (cash advances or transfers to other accounts, for example, are often charged at a higher rate than purchases) so you can end up paying hundreds or thousands more than you might have, if you only make the minimum required repayment each month. Like your home energy, mobile contract and mortgage, if you don’t keep your eye on the ball and compare and switch from time to time, you’re likely to spend much more than you need to.
• 2. Credit damage.
  Missed credit card repayments and ongoing debts are recorded on your credit file and can impact your chances of getting a loan in the future.
• 3. Credit card fraud.
  There are a range of fraud schemes that target credit cards. While you can be compensated for illegal transactions on your account, dealing with credit card fraud can still be a time-consuming and stressful experience.
• 4. Cash advance fees and rates.
  Financial institutions make it very expensive to use your credit card to get cash out or make other “cash equivalent” transactions (such as buying foreign currency). Using a credit card for a cash withdrawal will attract a cash advance fee worth around 3% of the total transaction amount. It also typically attracts an interest rate of 18-22% right away.
• 5. Annual fees.
  While you can often get cards without annual fees, many credit cards do have them. These can cost as little as £25 per year, or several hundred pounds, depending on the card that you choose. Generally, the more perks you want, the higher the cost of the annual fee. If you want to avoid this charge, you can consider a no annual fee credit card – but make sure you look at all the other features to help find a card that works for you.
• 6. Other fees can quickly add up.
  Depending on your card, you could be charged fees when you miss a payment, fees if you spend past your credit limit, fees for overseas transactions, balance transfer fees and even some rewards programmes fees. If you carry a balance or don’t have access to interest-free days, there’s also a good chance interest will be applied to these charges.

Crucially, credit cards are a “revolving line of credit”. That means they can theoretically last a lifetime, because they don’t have an end date. Taking out a credit card is an ongoing commitment, so it’s worth doing a little homework before diving in.

Different types of credit cards explained

Compare credit cards

• Rewards cards
• 0% purchase cards
• Balance transfer cards
• Credit builder cards

Updated daily

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Close

Sort by:

Name	Product	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive	Link
M&S Bank Shopping Plus Credit Card		0% for 18 months reverting to 23.9%	£0	Min. limit £500, max. limit not specified.	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).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard		0% for 3 months reverting to 23.9%	£0	Min. limit £500, max. limit not specified.	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).	Check eligibility Read review	Compare	loading Fetching your data...
Santander All in One Credit Card		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. 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...
American Express® Rewards Credit Card Finder Award		30.7%	£0	Min. limit £500, max. limit not specified.	30.7% 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 1000 points) to shop, other rewards have differing conversions Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
British Airways American Express® Credit Card Finder Award		30.7%	£0	Min. limit £700, max. limit not specified.	30.7% APR (variable)	Earn 1 Avios for virtually every £1 spent. Spend £12K each year and get a travel companion voucher when redeeming Avios for a BA reward flight. - Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme. Avios value varies dependent on reward (min 1000pts for flights) Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Platinum Cashback Everyday Credit Card Finder Award		30.7%	£0	Min. limit £700, max. limit not specified.	30.7% APR (variable)	New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases. Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
NatWest Reward Credit Card		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...
Royal Bank of Scotland Reward Credit Card		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...
American Express® Nectar Credit Card Finder Award		30.7%	Year 1 - £0, Year 2 onwards - £25 per annum	Min. limit £700, max. limit not specified.	36.3% APR (variable)	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 30.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 36.3% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Platinum Cashback Credit Card Finder Award		30.7%	£25 per annum	Min. limit £700, max. limit not specified.	36.3% APR (variable)	New cardmember offer: Get 5% cashback on your purchases (up to £125) for the first three 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 30.7% (variable) p.a. with a fee of £25 per annum, your representative rate is 36.3% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Black Credit Card		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...
NatWest Reward Black Credit Card		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...
The Marriott Bonvoy American Express Card Finder Award		30.7%	£75 per annum	Min. limit £700, max. limit not specified.	48.9% APR (variable)	Earn 6 points for every £1 spent at eligible Marriott properties. Earn 2 points for virtually every £1 spent elsewhere. Earn up to 90,000 bonus points per year through refer a friend, 9,000 points awarded for every friend approved. Points can be redeemed for hotel stays of varying values (min 15000pts) Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £75 per annum, your representative rate is 48.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award		30.7%	Year 1 - £0, Year 2 onwards - £160 per annum	Min. limit £700, max. limit not specified.	75.2% APR (variable)	New Cardmembers earn 20,000 Membership Rewards® Points when you spend £3,000 in the first 3 months of Card membership. T&Cs Apply. UK 18+, subject to status. Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £160 per annum, your representative rate is 75.2% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award		30.7%	£250 per annum	Min. limit £700, max. limit not specified.	112.5% APR (variable)	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 30.7% (variable) p.a. with a fee of £250 per annum, your representative rate is 112.5% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Pulse Card Mastercard (existing NewDay customers only)		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		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		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...
The Co-operative Bank Members' Credit Card Visa		18.2%	£0	Min. limit £500, max. limit not specified.	18.2% APR (variable)	1p earned for every £2 spent in The Co-operative Food stores (excluding in-store concessions) and 1p earned for every £3.33 spent anywhere else. Cashback will be added to your share of the Group profits and this will be paid to you twice a year. Representative example: When you spend £1,200 at a purchase rate of 18.2% (variable) p.a., your representative rate is 18.2% APR (variable).	Read review	Compare	loading Fetching your data...
AIB Options 1 Credit Card		18.9%	£0	Min. limit £500, max. limit not specified.	18.9% APR (variable)	0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent. 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).	Read review	Compare	loading Fetching your data...

loading

Load More

CompareClear

Updated daily

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Close

Sort by:

Name	Product	Ratings	Customer rating	Finder rating	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
HSBC Purchase Plus Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 20 months reverting to 23.9%	0% for 17 months (2.99% fee)	£0	23.9% 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 23.9% (variable) p.a., your representative rate is 23.9% 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...
M&S Bank Shopping Plus Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 18 months reverting to 23.9%	0% for 15 months (2.99% fee, min £5 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).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card		Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 17 months reverting to 24.9%	0% for 17 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (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		Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 17 months reverting to 24.9%	0% for 17 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (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		Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	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. 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...
HSBC Rewards Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 6 months reverting to 23.9%	0% for 6 months (0% fee)	£0	23.9% APR (variable)	Earn 1 point for every £5 spent on purchases. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year. 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).	Check eligibility Read review	Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard		Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	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...
Barclaycard Platinum All-Rounder Visa		Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 22 months reverting to 24.9%	0% for 19 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...
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard		Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 17 months reverting to 24.9%	0% for 17 months (0% 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...
MBNA 0% Transfer and Purchase Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 19 months reverting to 23.94%	0% for 19 months (3.49% fee)	£0	23.9% 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 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Santander World Elite Mastercard		Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	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...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Credit Card Mastercard		Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 17 months reverting to 23.94%	0% for 15 months (2.99% fee)	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.94% (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		Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 17 months reverting to 23.94%	0% for 17 months (2.99% fee)	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard		Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 17 months reverting to 22.94%	0% for 17 months (2.99% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Platinum Purchase Card		Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 15 months reverting to 22.95%	0% for 15 months (1.45% fee)	£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...
Nationwide Member Credit Card All Rounder		Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 15 months reverting to 19.9%	0% for 15 months (1.5% fee)	£0	19.9% APR (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).	Read review	Compare	loading Fetching your data...
Virgin Money Dual Credit Card Mastercard		Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 13 months reverting to 23.9%	0% for 16 months (3% fee)	£0	23.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 12 Month All Round Credit Card Mastercard		Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 12 months reverting to 29.9%	0% for 12 months (3% 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...
Post Office Classic Card		Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	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...
first direct Gold Credit Card		Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 12 months reverting to 24.9%	24.9% (0% 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...

loading

Load More

CompareClear

Updated daily

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Close

Sort by:

Name	Product	Ratings	Finder rating	Customer rating	Balance transfers	Balance transfer fee	Purchases	Annual/monthly fees	Representative APR	Incentive	Link
HSBC Balance Transfer Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 27 months reverting to 23.9%	0%	0% for 3 months reverting to 23.9%	£0	23.9% 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 23.9% (variable) p.a., your representative rate is 23.9% 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...
M&S Bank Credit Card Transfer Plus Offer Mastercard		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 28 months reverting to 23.9%	2.99% (min. £5)	0% for 3 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).	Check eligibility Read review	Compare	loading Fetching your data...
Santander Everyday Long Term Balance Transfer Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	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...
HSBC Purchase Plus Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 17 months reverting to 23.9%	2.99%	0% for 20 months reverting to 23.9%	£0	23.9% 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 23.9% (variable) p.a., your representative rate is 23.9% 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...
M&S Bank Shopping Plus Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 15 months reverting to 23.9%	2.99% fee, 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).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 17 months reverting to 24.9%	2.99%	0% for 17 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 Purchase & Balance Transfer Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 17 months reverting to 24.9%	2.99%	0% for 17 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 Balance Transfer Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 14 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...
NatWest Longer Balance Transfer Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	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 Longer Balance Transfer Credit Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	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 Balance Transfer Credit Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 14 months reverting to 24.9%	2.99%	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		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	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. 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...
Nationwide Member Credit Card Balance Transfer		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 18 months reverting to 19.9%	1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)	0% for 3 months reverting to 19.9%	£0	19.9% APR (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).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 15 months reverting to 19.9%	1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)	0% for 15 months reverting to 19.9%	£0	19.9% APR (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).	Read review	Compare	loading Fetching your data...
The Co-operative Bank Balance Transfer Credit Card Visa		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	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...
Bank of Scotland Platinum Low Fee 0% Balance Transfer credit card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 22 months reverting to 22.94%	1.99% for 3 months reverting to 5%	0% for 6 months reverting to 22.94%	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Platinum Balance Transfer Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	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...
TSB Platinum Purchase Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 15 months reverting to 22.95%	1.45% for 3 months reverting to 5%	0% for 15 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...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 17 months reverting to 22.94%	2.99% for 3 months reverting to 5%	0% for 17 months reverting to 22.94%	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (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		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	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...

loading

Load More

CompareClear

Updated daily

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Close

Sort by:

Name	Product	Ratings	Finder rating	Customer rating	Annual/monthly fees	Initial credit limits	Minimum income	Representative APR	Incentive	Link
HSBC Student Credit Card Visa Additional account needed		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£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).	Go to site Read review	Compare	loading Fetching your data...
AIB Student Credit Card Additional account needed		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £300, max. limit not specified.	Not specified	12.9%	Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Student Credit Card Additional account needed		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £1,000.	Not specified	21.95%	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...
TSB Classic Credit Card Mastercard		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit not specified.	Not specified	28.9%	Representative example: When you spend £1,200 at a purchase rate of 28.95% (variable) p.a., your representative rate is 28.9% APR (variable).	Read review	Compare	loading Fetching your data...
Vanquis Bank Balance Transfer Credit Card Visa		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £1,000.	Not specified	29.3%	Representative example: When you spend £1,000 at a purchase rate of 29.3% (variable) p.a., your representative rate is 29.3% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank Everyday Credit Card Mastercard		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£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...
Vanquis Bank Credit Builder Credit Card Visa		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £1,500.	Not specified	29.5%	Representative example: When you spend £1,000 at a purchase rate of 29.5% (variable) p.a., your representative rate is 29.5% APR (variable).	Read review	Compare	loading Fetching your data...
thimbl. credit card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £1,500.	Not specified	29.5%	Representative example: When you spend £1,200 at a purchase rate of 29.50% (variable) p.a., your representative rate is 29.5% APR (variable).	Read review	Compare	loading Fetching your data...
Tesco Bank Foundation Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£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...
Tymit Credit Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£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...
Bip Credit Card Mastercard		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£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...
Onmo Credit Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £250, max. limit not specified.	Not specified	29.9%	Representative example: Assumed credit limit £1,200. Interest rate 29.9% p.a. (variable). Representative 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
HSBC Classic Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit £1,000.	£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		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£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...
Barclaycard Forward Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£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).	Read review	Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£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).	Read review	Compare	loading Fetching your data...
Marbles Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	You could get a credit limit increase after three months. Choose a monthly repayment date that suits you and change it up to twice a year. 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...
Asda Money Select Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit £5,000.	Not specified	34.9%	Earn 1% back in Asda Pounds when shopping at Asda, earn 0.3% on non-Asda spend. 1 Asda Pound = £1 (min £1). 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...
Capital One Classic Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£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...
Aqua Classic Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£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...

loading

Load More

CompareClear