{"id":63558,"date":"2020-03-15T14:14:44","date_gmt":"2020-03-15T14:14:44","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=63558"},"modified":"2026-04-13T17:50:49","modified_gmt":"2026-04-13T16:50:49","slug":"best-credit-cards","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/credit-cards\/best-credit-cards","title":{"rendered":"Best credit cards 2026: Rated by pros"},"content":{"rendered":"<article class=\"luna-card luna-card--border keyTakeaways\"><div class=\"luna-card__block\"><div class=\"keyTakeaways__header has-margin-bottom-small\" style=\"display: flex; align-items: center; column-gap: 12px;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 32 21\" fill=\"none\"><path d=\"M21.6706 1.15503H0.555176V10.6001C0.555176 15.8165 4.78381 20.0452 10.0002 20.0452C12.2144 20.0452 14.2511 19.2793 15.8604 17.9974L15.9325 18.1084C17.5197 19.3237 19.5119 20.0452 21.6651 20.0452C26.8815 20.0452 31.1101 15.8165 31.1101 10.6001C31.1101 5.38366 26.8815 1.15503 21.6651 1.15503H21.6706Z\" fill=\"white\"><\/path><path d=\"M25.704 5.12274C25.0325 5.12274 24.4054 5.37801 23.856 5.81641C24.3055 6.16602 24.6052 6.70431 24.6052 7.32029C24.6052 8.37468 23.7506 9.22928 22.6962 9.22928C22.4687 9.22928 22.2578 9.18489 22.0525 9.11275C21.9581 9.58445 21.9082 10.0839 21.9082 10.6C21.9082 13.6244 23.6063 16.0828 25.704 16.0828C27.8017 16.0828 29.4998 13.6299 29.4998 10.6C29.4998 7.57002 27.8017 5.11719 25.704 5.11719V5.12274Z\" fill=\"#232320\"><\/path><path d=\"M21.6704 0.600098H0V10.6001C0 16.1162 4.48391 20.6001 10 20.6001C12.1754 20.6001 14.1842 19.8953 15.8269 18.7133C17.5361 19.9453 19.5449 20.6001 21.6648 20.6001C27.1809 20.6001 31.6648 16.1162 31.6648 10.6001C31.6648 5.084 27.1809 0.600098 21.6648 0.600098H21.6704ZM1.10988 10.6056V1.71553H10C14.9001 1.71553 18.8901 5.70554 18.8901 10.6056C18.8901 15.5058 14.9001 19.4958 10 19.4958C5.09989 19.4958 1.10988 15.5058 1.10988 10.6056ZM21.6704 19.4958C19.8835 19.4958 18.1909 18.9741 16.7259 17.9863C18.7347 16.155 20.0055 13.5302 20.0055 10.6001C20.0055 6.72662 17.7913 3.36924 14.5616 1.70998H21.6704C26.5705 1.70998 30.5605 5.69999 30.5605 10.6001C30.5605 15.5002 26.5705 19.4902 21.6704 19.4902V19.4958Z\" fill=\"#232320\"><\/path><path d=\"M14.0404 5.12274C13.3689 5.12274 12.7419 5.37801 12.1925 5.81641C12.642 6.16602 12.9416 6.70431 12.9416 7.32029C12.9416 8.37468 12.087 9.22928 11.0326 9.22928C10.8051 9.22928 10.5942 9.18489 10.3889 9.11275C10.2946 9.58445 10.2446 10.0839 10.2446 10.6C10.2446 13.6244 11.9427 16.0828 14.0404 16.0828C16.1381 16.0828 17.8362 13.6299 17.8362 10.6C17.8362 7.57002 16.1381 5.11719 14.0404 5.11719V5.12274Z\" fill=\"#232320\"><\/path><\/svg><h2 id=\"top\" class=\"no-margin-top no-margin-bottom\">Today's top 10 deals<\/h2><\/div><table class=\"luna-table ukccfsummary\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Best for...<\/th><th scope=\"col\">Brand<\/th><th scope=\"col\">Deal<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Balance transfers<\/th><td>TSB<\/td><td><a href=\"#balancetransfer\" class=\"scroll\">38 months at 0%<\/a><\/td><\/tr><tr><th scope=\"row\">No-fee balance transfers<\/th><td>Barclaycard<\/td><td><a href=\"#balancetransfer_altone\" class=\"scroll\">14 months at 0%<\/a><\/td><\/tr><tr><th scope=\"row\">0% purchases<\/th><td>TSB<\/td><td><a href=\"#purchases\" class=\"scroll\">26 months at 0%<\/a><\/td><\/tr><tr><th scope=\"row\">Cashback<\/th><td>American Express<\/td><td><a href=\"#cashback\" class=\"scroll\">Up to \u00a3125 initial cashback then 0.5%<\/a><\/td><\/tr><tr><th scope=\"row\">Rewards<\/th><td>American Express<\/td><td><a href=\"#rewards\" class=\"scroll\">40,000 welcome points then 1 per \u00a3<\/a><\/td><\/tr><tr><th scope=\"row\">Rewards (non-Amex)<\/th><td>Yonder<\/td><td><a href=\"#rewards_alttwo\" class=\"scroll\">10,000 welcome points then 5 per \u00a3<\/a><\/td><\/tr><tr><th scope=\"row\">Spending overseas<\/th><td>Lloyds Bank<\/td><td><a href=\"#overseas\" class=\"scroll\">0% forex fees and 0.25% cashback<\/a><\/td><\/tr><tr><th scope=\"row\">Frequent flyers<\/th><td>American Express<\/td><td><a href=\"#frequent-flyer\" class=\"scroll\">5,000 welcome points then 1 per \u00a3<\/a><\/td><\/tr><tr><th scope=\"row\">Frequent flyers (non-Avios)<\/th><td>Virgin Money<\/td><td><a href=\"#frequent_flyer_alttwo\" class=\"scroll\">6,000 welcome points then 0.75 per \u00a3<\/a><\/td><\/tr><tr><th scope=\"row\">Bad credit<\/th><td>Tesco Bank<\/td><td><a href=\"#badcredit\" class=\"scroll\">Credit limits from \u00a3200<\/a><\/td><\/tr><\/tbody><\/table><p>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.<\/p><\/div><\/article>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<h2 id=\"balancetransfer\" class=\"text-xxx-large\">Balance transfers<\/h2><img data-src=\"https:\/\/www.finder.com\/niche-builder\/69dd0528852b8.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"TSB Platinum Balance Transfer Card\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/69dd0528852b8.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/69dd0528852b8.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/69dd0528852b8.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h3 class=\"text-large has-padding-top-small no-margin-top no-margin-bottom clearfix\">TSB Platinum Balance Transfer Card<\/h3><ul><li><strong class=\"has-padding-right-xxsmall\">Finder Score:<\/strong> 8\/10<\/li><li><strong>Interest-free periods:<\/strong>  0% interest on balance transfers for 38 months with a fee of 3.49%. 0% interest on purchases for 3 months.<\/li><li><strong>Account fee:<\/strong> \u00a30.<\/li><li><strong>Why we like it:<\/strong> 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.<\/li><li><strong>Need to know:<\/strong> 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.<\/li><li><strong>Representative example:<\/strong> Representative 24.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 24.95% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/tsbplatinumbalancetransfer-fullmarket-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2210bdb08c-de80-4d89-b737-d5185df5bdb4%22%2C%22product_name%22%3A%22TSB%2BPlatinum%2BBalance%2BTransfer%2BCard%22%2C%22offer_id%22%3A%2226892%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496409%2C%22name%22%3A%22ukccf_best_credit_cards_main_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large weight-semi-bold has-margin-bottom-large\" rel=\"sponsored\" target=\"_blank\">Check eligibility<\/a><div class=\"u-grid no-margin-left\"><div class=\"u-grid__col u-1\/2@s no-padding-left has-margin-bottom\"><h4 id=\"balancetransfer_altone\" class=\"text-xx-large\">Don't want to pay a balance transfer fee?<\/h4><img data-src=\"https:\/\/www.finder.com\/niche-builder\/66154874adaf8.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"Barclaycard Platinum Balance Transfer (14 Mths)\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66154874adaf8.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66154874adaf8.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66154874adaf8.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h5 class=\"has-padding-top-small no-margin-top no-margin-bottom clearfix\">Barclaycard Platinum Balance Transfer (14 Mths)<\/h5><ul><li><strong>Benefits:<\/strong> Up to 14 months 0% on transfers and no balance transfer fee.<\/li><li><strong>Need to know:<\/strong> Balance transfers need to take place in the first 60 days to qualify for 0% interest, and transfers from existing Barclaycards are not allowed.<\/li><li><strong>Representative example:<\/strong> Representative 24.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 24.9% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/barclaycardplatinumnofeebalancetransfercard-fullmarket-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22a017f922-b865-437c-9e04-0a3e5b96d987%22%2C%22product_name%22%3A%22Barclaycard%2BPlatinum%2BBalance%2BTransfer%2B%252814%2BMths%2529%22%2C%22offer_id%22%3A%2225919%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496343%2C%22name%22%3A%22ukccf_best_credit_cards_alt_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large\" rel=\"sponsored\" target=\"_blank\">Check eligibility<\/a><\/div><div class=\"u-grid__col u-1\/2@s no-padding-left has-margin-bottom\"><h4 id=\"balancetransfer_alttwo\" class=\"text-xx-large\">Transferring <em>from<\/em> TSB?<\/h4><img data-src=\"https:\/\/www.finder.com\/niche-builder\/6615485edc7c6.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"Barclaycard Platinum Balance Transfer (36 Mths)\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6615485edc7c6.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6615485edc7c6.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6615485edc7c6.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h5 class=\"has-padding-top-small no-margin-top no-margin-bottom clearfix\">Barclaycard Platinum Balance Transfer (36 Mths)<\/h5><ul><li><strong>Benefits:<\/strong> Up to 36 months 0% on transfers made in the first 60 days.<\/li><li><strong>Need to know:<\/strong> Barclaycard doesn't estimate your credit limit from a soft search, which is a big shame. Balance transfers need to take place in the first 60 days and incur a 3.45% fee.<\/li><li><strong>Representative example:<\/strong> Representative 24.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 24.9% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/barclaycardplatinumbalancetransfercard-fullmarket-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%227f19263a-1c70-4dd3-8afd-5239c565a36a%22%2C%22product_name%22%3A%22Barclaycard%2BPlatinum%2BBalance%2BTransfer%2B%252836%2BMths%2529%22%2C%22offer_id%22%3A%2225919%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496343%2C%22name%22%3A%22ukccf_best_credit_cards_alt_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large\" rel=\"sponsored\" target=\"_blank\">Check eligibility<\/a><\/div><\/div>\n\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How do balance transfer cards work?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>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 \u2013 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.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Who are balance transfer credit cards suited to?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>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).<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What makes the best balance transfer credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ol><li><strong>How long is the balance transfer offer?<\/strong> 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.<\/li><li><strong>How much is the balance transfer fee?<\/strong> Balance transfer deals usually come with a balance transfer fee, which is a percentage of the amount being transferred \u2013 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.<\/li><li><strong>Are there any limitations?<\/strong> 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: <em>\"0% interest for 24 months on balances transferred within 60 days from account opening\"<\/em>.<\/li><li><strong>What's the revert rate?<\/strong> 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.<\/li><li><strong>What other fees apply?<\/strong> 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 \u2013 such as cash advance fees or non-sterling transaction fees.<\/li><li><strong>Are you eligible?<\/strong> 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).<\/li><li><strong>What other features does the card come with?<\/strong> 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.<\/li><\/ol><\/div>\n  <\/div>\n<\/li><\/ul>\n<p class=\"has-margin-bottom-large has-padding-bottom-small\"><a class=\"more-link-arrow has-padding-bottom-large has-margin-bottom-large\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\">All balance transfer cards<\/a><\/p><h2 id=\"purchases\" class=\"text-xxx-large has-padding-top-large\">0% purchases<\/h2><img data-src=\"https:\/\/www.finder.com\/niche-builder\/69dd23436d6c2.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"TSB Platinum Purchase Card\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/69dd23436d6c2.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/69dd23436d6c2.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/69dd23436d6c2.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h3 class=\"text-large has-padding-top-small no-margin-top no-margin-bottom clearfix\">TSB Platinum Purchase Card<\/h3><ul><li><strong class=\"has-padding-right-xxsmall\">Finder Score:<\/strong> 7.9\/10<\/li><li><strong>Interest-free periods:<\/strong>  0% interest on purchases for 26 months. 0% interest on balance transfers for 18 months with a fee of 3.49%.<\/li><li><strong>Account fee:<\/strong> \u00a30.<\/li><li><strong>Why we like it:<\/strong> Some banks get you on the T&amp;Cs, offering 26 months' 0% interest 'on purchases made in your first 60 days', but we're pleased to see that's not the case here. It's a straight-up no interest on purchases for 18 months.<\/li><li><strong>Need to know:<\/strong> It's possible you could be offered 22 or 19 months at 0% 'depending on individual circumstances'. TSB estimates your credit limit from a 'soft' search of your credit file (no impact on your credit score), and shows you the 0% period you'd get and likelihood of approval.<\/li><li><strong>Representative example:<\/strong> Representative 24.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 24.95% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/tsbplatinumpurchase-fullmarket-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22f24082a9-723c-446f-bfdd-168a0cc2e5a2%22%2C%22product_name%22%3A%22TSB%2BPlatinum%2BPurchase%2BCard%22%2C%22offer_id%22%3A%2226274%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496409%2C%22name%22%3A%22ukccf_best_credit_cards_main_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large weight-semi-bold has-margin-bottom-large\" rel=\"sponsored\" target=\"_blank\">Check eligibility<\/a><div class=\"u-grid no-margin-left\"><div class=\"u-grid__col no-padding-left has-margin-bottom\"><h4 id=\"0_purchase_cards_altone\" class=\"text-xx-large\">Rather pay in set instalments?<\/h4><img data-src=\"https:\/\/www.finder.com\/niche-builder\/6616a1715c73a.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"Monzo Flex\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6616a1715c73a.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6616a1715c73a.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6616a1715c73a.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h5 class=\"has-padding-top-small no-margin-top no-margin-bottom clearfix\">Monzo Flex<\/h5><ul><li><strong>Benefits:<\/strong> If you're open to something new, the Monzo Flex credit card offers the option to spread purchase costs over 3, 6, or 12 months, blending buy now, pay later with a traditional credit card. If you pay in full monthly or over 3 months, you could be eligible for 0% purchases (try to avoid 'flexing' over 6 or 12 months \u2013 that'll cost).<\/li><li><strong>Need to know:<\/strong> To be eligible for this card, you\u2019ll need to have an existing Monzo account.<\/li><li><strong>Representative example:<\/strong> When you spend \u00a31,200 at a purchase rate of 29% (variable) p.a., your representative rate is 29% APR (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/monzo-flex-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22314af8a9-b90b-4cf5-b464-a9901f8c456b%22%2C%22product_name%22%3A%22Monzo%2BFlex%22%2C%22offer_id%22%3A%2225676%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496343%2C%22name%22%3A%22ukccf_best_credit_cards_alt_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large\" rel=\"sponsored\" target=\"_blank\">Check eligibility<\/a><\/div><\/div>\n\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">How do 0% purchase cards work?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>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.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Who are 0% purchase cards suited to?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you're anticipating a major upcoming expenditure \u2013 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.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">What makes the best 0% purchase credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ol><li><strong>How good is the 0% purchase offer?<\/strong> 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.<\/li><li><strong>What's the revert rate?<\/strong> 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.<\/li><li><strong>What fees apply?<\/strong> 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.<\/li><li><strong>Are you eligible?<\/strong> 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.<\/li><li><strong>What other features does the card come with?<\/strong> 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.<\/li><\/ol><\/div>\n  <\/div>\n<\/li><\/ul>\n<p class=\"has-margin-bottom-large has-padding-bottom-small\"><a class=\"more-link-arrow has-padding-bottom-large has-margin-bottom-large\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/0-purchase-credit-cards\">All 0% purchase cards<\/a><\/p><h2 id=\"cashback\" class=\"text-xxx-large has-padding-top-large\">Cashback<\/h2><img data-src=\"https:\/\/www.finder.com\/niche-builder\/65bcfa4449f60.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"Amex Cashback Everyday Credit Card\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/65bcfa4449f60.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/65bcfa4449f60.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/65bcfa4449f60.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h3 class=\"text-large has-padding-top-small no-margin-top no-margin-bottom clearfix\">Amex Cashback Everyday Credit Card<\/h3><ul><li><strong class=\"has-padding-right-xxsmall\">Finder Score:<\/strong> 7.5\/10<\/li><li><strong>Benefits:<\/strong> Get 5% cashback on your purchases (up to \u00a3125) for the first 5 months of Cardmembership and 0.5% thereafter (or 1% on annual spend over \u00a310,000). Earn \u00a320 cashback for each friend you invite (provided they're approved).<\/li><li><strong>Account fee:<\/strong> \u00a30.<\/li><li><strong>Why we like it:<\/strong> An accessible and easy-to-use card that rewards your everyday spending with cashback. If you spend \u00a3500 a month on the card, you stand to earn \u00a3142.50 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.<\/li><li><strong>Need to know:<\/strong> 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 \u00a33,000 per year to qualify for cashback.<\/li><li><strong>Representative example:<\/strong> Representative 29.1% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 29.1% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/americanexpress-platinumcashbackeverydaycreditcard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22eba6367d-ffea-46a0-b426-3cf5c7233088%22%2C%22product_name%22%3A%22Amex%25C2%25AE%2BCashback%2BEveryday%2BCredit%25C2%25A0Card%22%2C%22offer_id%22%3A%2224703%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496409%2C%22name%22%3A%22ukccf_best_credit_cards_main_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large weight-semi-bold has-margin-bottom-large\">Check eligibility<\/a><div class=\"u-grid no-margin-left\"><div class=\"u-grid__col u-1\/2@s no-padding-left has-margin-bottom\"><h4 id=\"cashback_altone\" class=\"text-xx-large\">Comfortable with an annual fee?<\/h4><img data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/06\/santander.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"Santander All in One Credit Card\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/06\/santander.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/06\/santander.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/06\/santander.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h5 class=\"has-padding-top-small no-margin-top no-margin-bottom clearfix\">Santander All in One Credit Card<\/h5><ul><li><strong>Benefits:<\/strong> 0.5% cashback is one of an array of benefits (along with 0% on purchases for 15 months and fee-free overseas spending) that come in exchange for a fee of \u00a33 per month (spend \u00a3600 per month and your cashback outweighs it).<\/li><li><strong>Need to know:<\/strong> You\u2019ll need to have a good credit history to be eligible for this card. Cashback is capped, but at a fairly generous \u00a310 per month.<\/li><li><strong>Representative example:<\/strong> Representative 29.8% APR variable. Based on \u00a33 monthly fee, assumed borrowing of \u00a31,200. Rate of interest 23.9% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/santanderallinone-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2222130fb7-fa6a-4f2a-b7c8-882735ddefb9%22%2C%22product_name%22%3A%22Santander%2BAll%2Bin%2BOne%2BCredit%2BCard%22%2C%22offer_id%22%3A%2224702%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496343%2C%22name%22%3A%22ukccf_best_credit_cards_alt_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large\">Check eligibility<\/a><\/div><div class=\"u-grid__col u-1\/2@s no-padding-left has-margin-bottom\"><h4 id=\"cashback_alttwo\" class=\"text-xx-large\">Don't want an Amex?<\/h4><img data-src=\"https:\/\/www.finder.com\/niche-builder\/66c45018979b9.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"Amazon The Amazon Barclaycard\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66c45018979b9.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66c45018979b9.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66c45018979b9.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h5 class=\"has-padding-top-small no-margin-top no-margin-bottom clearfix\">Amazon The Amazon Barclaycard<\/h5><ul><li><strong>Benefits:<\/strong> 1% cashback on Amazon spend and 0.5% cashback elsewhere (0.25% after year one). There's also a \u00a330 Amazon credit welcome bonus and doubled earn rates for Prime Members during key events like Prime Day.<\/li><li><strong>Need to know:<\/strong> After a year, this card is a lot less rewarding... but you're under no obligation to stick around! Like most rewards cards, this one's only a good bet if you'll be paying your balance off in full every month (otherwise interest will outweigh benefits).<\/li><li><strong>Representative example:<\/strong> Representative 28.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 28.9% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/amazonbarclaycard-fullmarket-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22475cb176-9ccf-4fc8-8231-a72c72e72517%22%2C%22product_name%22%3A%22Amazon%2BThe%2BAmazon%2BBarclaycard%22%2C%22offer_id%22%3A%2223373%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496343%2C%22name%22%3A%22ukccf_best_credit_cards_alt_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large\" rel=\"sponsored\" target=\"_blank\">Check eligibility<\/a><\/div><\/div>\n\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">How do cashback credit cards work?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>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.<\/p><p>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.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">What makes the best cashback credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ol><li><strong>What's the earn rate?<\/strong> 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.<\/li><li><strong>Is there a cap on earnings?<\/strong> Many cashback cards limit the total cashback you can earn over a specified period.<\/li><li><strong>Is there a minimum spend?<\/strong> Sometimes, you'll need to spend a certain amount within a specified timeframe to maximise cashback earnings.<\/li><li><strong>Is there an introductory promotion?<\/strong> Cashback cards sometimes come with a juicy bonus \u2013 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...<\/li><li><strong>Do you actually earn cashback (account credit) or vouchers?<\/strong> 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?<\/li><li><strong>How much will the card cost to run?<\/strong> 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.<\/li><li><strong>Are you eligible?<\/strong> 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.<\/li><li><strong>What other features does the card come with?<\/strong> While the cashback terms are likely to be your primary focus, some cards will have other features might benefit you.<\/li><\/ol><\/div>\n  <\/div>\n<\/li><\/ul>\n<p class=\"has-margin-bottom-large has-padding-bottom-small\"><a class=\"more-link-arrow has-padding-bottom-large has-margin-bottom-large\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/cashback-credit-cards\">All cashback cards<\/a><\/p><h2 id=\"rewards\" class=\"text-xxx-large\">Rewards<\/h2><img data-src=\"https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"American Express Preferred Rewards Gold Credit Card\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h3 class=\"text-large has-padding-top-small no-margin-top no-margin-bottom clearfix\">American Express Preferred Rewards Gold Credit Card<\/h3><ul><li><strong class=\"has-padding-right-xxsmall\">Finder Score:<\/strong> 9.4\/10<\/li><li><strong>Benefits:<\/strong> 4 complimentary airport lounge visits every year, 40,000 Membership Rewards Points welcome bonus (provided you spend \u00a35,000 in your first 6 months), plus an otungoing earn rate of 1 point per \u00a31 spent.<\/li><li><strong>Account fee:<\/strong> \u00a3195 per year.<\/li><li><strong>Why we like it:<\/strong> Amex is working super hard to entice and retain new customers \u2013 performing consistently well in our customer satisfaction surveys. This statement rewards card offers points by the bucketload \u2013 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)?<\/li><li><strong>Need to know:<\/strong> While accepting Amex is increasingly becoming the norm, some places still only take Visa or Mastercard.<\/li><li><strong>Representative example:<\/strong> Representative 85.8% APR variable. Based on \u00a3195 annual fee, assumed borrowing of \u00a31,200. Rate of interest 29.1% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/americanexpress-preferredrewardsgoldcreditcard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22e1445fa0-34b3-47fe-b50c-4b69a3a2ac36%22%2C%22product_name%22%3A%22American%2BExpress%25C2%25AE%2BPreferred%2BRewards%2BGold%2BCredit%25C2%25A0Card%22%2C%22offer_id%22%3A%2224700%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496409%2C%22name%22%3A%22ukccf_best_credit_cards_main_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large weight-semi-bold has-margin-bottom-large\">Check eligibility<\/a><div class=\"u-grid no-margin-left\"><div class=\"u-grid__col u-1\/2@s no-padding-left has-margin-bottom\"><h4 id=\"rewards_altone\" class=\"text-xx-large\">Don't want an annual fee?<\/h4><img data-src=\"https:\/\/www.finder.com\/niche-builder\/6613c858bff7f.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"The American Express Rewards Credit Card\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6613c858bff7f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6613c858bff7f.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6613c858bff7f.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h5 class=\"has-padding-top-small no-margin-top no-margin-bottom clearfix\">The American Express Rewards Credit Card<\/h5><ul><li><strong>Benefits:<\/strong> Enjoy a 10,000-point welcome, then earn points on all your day-to-day spending with no annual fee. Refer friends to earn even more point bonuses. A great first rewards credit card with an engaging app.<\/li><li><strong>Need to know:<\/strong> If you\u2019re likely to carry a balance over month to month, you might end up paying more in interest than the value you\u2019ll get out of the rewards programme.<\/li><li><strong>Representative example:<\/strong> Representative 29.1% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 29.1% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/americanexpress-rewardscreditcard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22a4f3e337-21b0-482c-88ee-593c4285c419%22%2C%22product_name%22%3A%22The%2BAmerican%25C2%25A0Express%25C2%25AE%25C2%25A0Rewards%2BCredit%25C2%25A0Card%22%2C%22offer_id%22%3A%2224708%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496343%2C%22name%22%3A%22ukccf_best_credit_cards_alt_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large\">Check eligibility<\/a><\/div><div class=\"u-grid__col u-1\/2@s no-padding-left has-margin-bottom\"><h4 id=\"rewards_alttwo\" class=\"text-xx-large\">Don't want an Amex?<\/h4><img data-src=\"https:\/\/www.finder.com\/niche-builder\/668fccf761905.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"Yonder Credit Card\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/668fccf761905.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/668fccf761905.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/668fccf761905.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h5 class=\"has-padding-top-small no-margin-top no-margin-bottom clearfix\">Yonder Credit Card<\/h5><ul><li><strong>Benefits:<\/strong> With the Yonder credit card you can earn 5 points for every \u00a31 you spend. These points can then be redeemed on meals out, flights and selected theatre tickets. The Yonder credit card has a \u00a315 per month fee, but there\u2019s currently a 10,000 points introductory bonus for signing up, plus you\u2019ll get your first month free.<\/li><li><strong>Need to know:<\/strong> The Yonder credit card is only available in London, Manchester, Bristol, Bath and Birmingham, although it is looking to expand. If you don\u2019t want to spend \u00a315 per month on the card fee, Yonder also has a free version of its card, where you earn 1 point for every \u00a31 spent.<\/li><li><strong>Representative example:<\/strong> Representative 65.1% APR variable. Based on \u00a315 monthly fee, assumed borrowing of \u00a31,200. Rate of interest 28.67% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/yonder-credit-card-review\" class=\"luna-button luna-button--primary luna-button--ghost luna-button--large\" id=\"readreview\">Read review<\/a><\/div><\/div>\n\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">How do rewards cards work?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>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 \u2013 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.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">Who are rewards cards suited to?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>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.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000010\" data-toggle=\"collapse\" data-target=\"#accordion0000000010\">\n        <span class=\"luna-accordion__title\">What makes the best rewards credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000010\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ol><li><strong>What kind of rewards do you want to redeem?<\/strong> 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.<\/li><li><strong>What's the earn rate?<\/strong> Check how many points a card offers per \u00a31 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.<\/li><li><strong>Is there a bonus on account opening?<\/strong> 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.<\/li><li><strong>Is there a cap on points earnings?<\/strong> 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.<\/li><li><strong>Is there a minimum spend?<\/strong> 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.<\/li><li><strong>How much will the card cost to run?<\/strong> 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.<\/li><li><strong>Is this a card for the short term or the long term?<\/strong> 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.<\/li><li><strong>Are you eligible?<\/strong> Most card issuers now offer a \"soft search\" facility so you can find out if you're eligible without affecting your credit score.<\/li><li><strong>What else can the card do for you?<\/strong> Check the other features of the card, such as complimentary insurance, airport lounge passes or balance transfer offers.<\/li><\/ol><\/div>\n  <\/div>\n<\/li><\/ul>\n<p class=\"has-margin-bottom-large has-padding-bottom-small\"><a class=\"more-link-arrow has-padding-bottom-large has-margin-bottom-large\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rewards-credit-cards\">All rewards cards<\/a><\/p><h2 id=\"overseas\" class=\"text-xxx-large\">Travel<\/h2><img data-src=\"https:\/\/www.finder.com\/niche-builder\/68e8b8f2074ab.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"Lloyds Bank Ultra Credit Card\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/68e8b8f2074ab.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/68e8b8f2074ab.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/68e8b8f2074ab.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h3 class=\"text-large has-padding-top-small no-margin-top no-margin-bottom clearfix\">Lloyds Bank Ultra Credit Card<\/h3><ul><li><strong class=\"has-padding-right-xxsmall\">Finder Score:<\/strong> 8.8\/10<\/li><li><strong>Benefits:<\/strong> Benefit from fee-free currency conversion on non-sterling transactions while earning 1% cashback in year 1 and 0.25% thereafter (uncapped).<\/li><li><strong>Account fee:<\/strong> \u00a30.<\/li><li><strong>Why we like it:<\/strong> 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.<\/li><li><strong>Need to know:<\/strong> 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).<\/li><li><strong>Representative example:<\/strong> Representative 12.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 12.94% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/lloydsbankultracreditcard-fullarket-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22328ba488-b81f-4eb5-ada4-7de9cc463e3b%22%2C%22product_name%22%3A%22Lloyds%2BBank%2BUltra%2BCredit%2BCard%22%2C%22offer_id%22%3A%2226644%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496409%2C%22name%22%3A%22ukccf_best_credit_cards_main_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large weight-semi-bold has-margin-bottom-large\" rel=\"sponsored\" target=\"_blank\">Check eligibility<\/a><div class=\"u-grid no-margin-left\"><div class=\"u-grid__col no-padding-left has-margin-bottom\"><h4 id=\"travel_altone\" class=\" has-margin-bottomtext-xx-large\">Looking for hotel perks?<\/h4><img data-src=\"https:\/\/www.finder.com\/niche-builder\/68386f0fa84e8.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"Marriott Bonvoy American Express Card\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/68386f0fa84e8.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/68386f0fa84e8.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/68386f0fa84e8.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h5 class=\"has-padding-top-small no-margin-top no-margin-bottom clearfix\">Marriott Bonvoy American Express Card<\/h5><ul><li><strong>Benefits:<\/strong> A generous intro bonus (60,000 points) and ongoing rewards for regulars at Marriott properties, where you can earn 6 points per pound spent.<\/li><li><strong>Need to know:<\/strong> This is an expensive option if you\u2019re likely to carry a balance over month to month.<\/li><li><strong>Representative example:<\/strong> Representative 52.5% APR variable. Based on \u00a395 annual fee, assumed borrowing of \u00a31,200. Rate of interest 29.1% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/americanexpress-starwoodpreferredguestcreditcard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%226875efc9-da77-4647-a4b2-f64241958c2d%22%2C%22product_name%22%3A%22Marriott%2BBonvoy%25C2%25AE%2BAmerican%2BExpress%25C2%25AE%2BCard%22%2C%22offer_id%22%3A%2224711%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496343%2C%22name%22%3A%22ukccf_best_credit_cards_alt_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large\">Check eligibility<\/a><\/div><\/div>\n\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000011\" data-toggle=\"collapse\" data-target=\"#accordion0000000011\">\n        <span class=\"luna-accordion__title\">How do travel credit cards work?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000011\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>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 <a href=\"https:\/\/www.mastercard.us\/en-us\/personal\/get-support\/convert-currency.html\" target=\"_blank\" rel=\"noopener noreferrer\">Mastercard rate<\/a> or <a href=\"https:\/\/usa.visa.com\/support\/consumer\/travel-support\/exchange-rate-calculator.html\" target=\"_blank\" rel=\"noopener noreferrer\">Visa rate<\/a>. Just remember that \"fee-free\" does not mean \"interest-free\".<\/p><p>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 <a href=\"https:\/\/www.visa.com.au\/travel-with-visa\/dynamic-currency-conversion.html\">dynamic currency conversion<\/a>), 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.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000012\" data-toggle=\"collapse\" data-target=\"#accordion0000000012\">\n        <span class=\"luna-accordion__title\">Who are travel credit cards suited to?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000012\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>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.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000013\" data-toggle=\"collapse\" data-target=\"#accordion0000000013\">\n        <span class=\"luna-accordion__title\">What makes the best low or no foreign transaction fee card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000013\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ol><li><strong>Does commission-free currency conversion apply to the country you're visiting?<\/strong> 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).<\/li><li><strong>What network is the card on?<\/strong> There's no getting away from it \u2013 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.<\/li><li><strong>What point is interest charged from?<\/strong> 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.<\/li><li><strong>What fees will apply if you withdraw cash abroad?<\/strong> Withdrawing cash on a credit card should be avoided \u2013 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.<\/li><li><strong>Are there any travel perks?<\/strong> 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.<\/li><li><strong>How much will the card cost to run?<\/strong> 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 \u2013 in other words, you might have one card for use at home and one for using when you're out of the country.<\/li><li><strong>Are you eligible?<\/strong> 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.<\/li><\/ol><\/div>\n  <\/div>\n<\/li><\/ul>\n<p class=\"has-margin-bottom-large has-padding-bottom-small\"><a class=\"more-link-arrow has-padding-bottom-large has-margin-bottom-large\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/best-credit-card-to-use-overseas\">All travel credit cards<\/a><\/p><h2 id=\"frequent-flyer\" class=\"text-xxx-large\">Frequent flyer points<\/h2><img data-src=\"https:\/\/www.finder.com\/niche-builder\/660ebe25bf429.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"British Airways American Express Credit Card\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/660ebe25bf429.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/660ebe25bf429.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/660ebe25bf429.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h3 class=\"text-large has-padding-top-small no-margin-top no-margin-bottom clearfix\">British Airways American Express Credit Card<\/h3><ul><li><strong class=\"has-padding-right-xxsmall\">Finder Score:<\/strong> 7.7\/10<\/li><li><strong>Benefits:<\/strong> Collect 1 Avios for every \u00a31 you spend plus a 5,000 Avios welcome bonus if you spend \u00a32,000 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 \u00a315,000 in a membership year (membership years start and end on the anniversary of taking out the card).<\/li><li><strong>Account fee:<\/strong> \u00a30.<\/li><li><strong>Why we like it:<\/strong> 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.<\/li><li><strong>Need to know:<\/strong> 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.<\/li><li><strong>Representative example:<\/strong> Representative 29.1% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 29.1% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/americanexpress-britishairwayscreditcard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22e04fef19-d6a3-47e8-b266-3a280971b1d6%22%2C%22product_name%22%3A%22British%2BAirways%2BAmerican%2BExpress%25C2%25AE%2BCredit%2BCard%22%2C%22offer_id%22%3A%2224706%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496409%2C%22name%22%3A%22ukccf_best_credit_cards_main_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large weight-semi-bold has-margin-bottom-large\">Check eligibility<\/a><div class=\"u-grid no-margin-left\"><div class=\"u-grid__col u-1\/2@s no-padding-left has-margin-bottom\"><h4 id=\"frequent_flyer_altone\" class=\"text-xx-large\">Don't want an Amex?<\/h4><img data-src=\"https:\/\/www.finder.com\/niche-builder\/6613eeeed1d0f.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"Barclaycard Avios Card\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6613eeeed1d0f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6613eeeed1d0f.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6613eeeed1d0f.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h5 class=\"has-padding-top-small no-margin-top no-margin-bottom clearfix\">Barclaycard Avios Card<\/h5><ul><li><strong>Benefits:<\/strong> Collect 1 Avios for every \u00a31 you spend plus a 5,000 Avios welcome bonus if you spend \u00a31,000 in your first 3 months.<\/li><li><strong>Need to know:<\/strong> If you\u2019re willing to shell out an annual fee, you might benefit more from the Avios Plus Card (1.5 Avios per pound and discounted lounge access).<\/li><li><strong>Representative example:<\/strong> Representative 29.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 29.9% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/barclaycardavioscard-fullmarket-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22d8077bac-a564-4282-a293-7f7dde8102c4%22%2C%22product_name%22%3A%22Barclaycard%2BAvios%2BCard%22%2C%22offer_id%22%3A%2223381%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496343%2C%22name%22%3A%22ukccf_best_credit_cards_alt_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large\" rel=\"sponsored\" target=\"_blank\">Check eligibility<\/a><\/div><div class=\"u-grid__col u-1\/2@s no-padding-left has-margin-bottom\"><h4 id=\"frequent_flyer_alttwo\" class=\"text-xx-large\">Looking for an alternative to Avios?<\/h4><img data-src=\"https:\/\/www.finder.com\/niche-builder\/5bd995957f7a1.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"Virgin Atlantic Reward Credit Card\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5bd995957f7a1.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5bd995957f7a1.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5bd995957f7a1.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h5 class=\"has-padding-top-small no-margin-top no-margin-bottom clearfix\">Virgin Atlantic Reward Credit Card<\/h5><ul><li><strong>Benefits:<\/strong> Earn 0.75% Flying Club miles for every \u00a31 spent and 1.5% miles for every \u00a31 spent with Virgin Atlantic or Virgin Holidays.<\/li><li><strong>Need to know:<\/strong> Unlike other frequent flyer cards, there is no welcome bonus unless you opt for this card\u2019s sister, which comes with an account fee.<\/li><li><strong>Representative example:<\/strong> Representative 26.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 26.9% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/virginmoneyvirginatlanticcard-fullmarket-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%223934e46a-9933-40ce-9491-d270165fa322%22%2C%22product_name%22%3A%22Virgin%2BAtlantic%2BReward%2BCredit%2BCard%22%2C%22offer_id%22%3A%2223380%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496343%2C%22name%22%3A%22ukccf_best_credit_cards_alt_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large\" rel=\"sponsored\" target=\"_blank\">Check eligibility<\/a><\/div><\/div>\n\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000014\" data-toggle=\"collapse\" data-target=\"#accordion0000000014\">\n        <span class=\"luna-accordion__title\">How do frequent flyer credit cards work?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000014\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>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.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000015\" data-toggle=\"collapse\" data-target=\"#accordion0000000015\">\n        <span class=\"luna-accordion__title\">Who are frequent flyer cards suited to?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000015\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>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.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000016\" data-toggle=\"collapse\" data-target=\"#accordion0000000016\">\n        <span class=\"luna-accordion__title\">What makes the best frequent flyer credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000016\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ol><li><strong>Which frequent flyer programme is available?<\/strong> Some credit cards are tied directly to a specific airline rewards scheme, such as Virgin's Flying Club or Lufthansa's Miles &amp; 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.<\/li><li><strong>What is the points earn rate?<\/strong> The earn rate is the number of points you earn per \u00a31 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&amp;Cs. <\/li><li><strong>Is there an introductory promotion?<\/strong> These cards often come with a \"welcome bonus\" \u2013 either a lump sum of points or a better points earn rate for a specified period.<\/li><li><strong>Is there a cap on points earnings?<\/strong> Check whether there's a cap on how many points you can earn each month or each year.<\/li><li><strong>Is there a minimum spend?<\/strong> Sometimes, you'll need to spend a certain amount within a specified timeframe to maximise points\/miles earnings.<\/li><li><strong>How much will the card cost to run?<\/strong> 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?<\/li><li><strong>Are there any other perks?<\/strong> What other features do you want from your card? Does it come with perks like complimentary insurance or airport lounge access?<\/li><li><strong>Are you eligible?<\/strong> Most card issuers now offer a \"soft search\" facility so you can find out if you're eligible without affecting your credit score.<\/li><\/ol><\/div>\n  <\/div>\n<\/li><\/ul>\n<p class=\"has-margin-bottom-large has-padding-bottom-small\"><a class=\"more-link-arrow has-padding-bottom-large has-margin-bottom-large\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/frequent-flyer-credit-cards\">All frequent flyer cards<\/a><\/p><h2 id=\"badcredit\" class=\"text-xxx-large\">Credit building<\/h2><img data-src=\"https:\/\/www.finder.com\/niche-builder\/67bf1b911bfd6.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"Tesco Bank Foundation Credit Card\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/67bf1b911bfd6.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/67bf1b911bfd6.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/67bf1b911bfd6.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h3 class=\"text-large has-padding-top-small no-margin-top no-margin-bottom clearfix\">Tesco Bank Foundation Credit Card<\/h3><ul><li><strong class=\"has-padding-right-xxsmall\">Finder Score:<\/strong> 8.3\/10<\/li><li><strong>Benefits:<\/strong> 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.<\/li><li><strong>Account fee:<\/strong> \u00a30.<\/li><li><strong>Why we like it:<\/strong> 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.<\/li><li><strong>Need to know:<\/strong> 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 \u2013 from \u00a3200 to \u00a31,500, 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.<\/li><li><strong>Representative example:<\/strong> Representative 29.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 29.9% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/tescobankfoundationcard-fullmarket-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%223885c1cf-8012-4b2d-91a4-79e8ade24af7%22%2C%22product_name%22%3A%22Tesco%2BBank%2BFoundation%2BCredit%2BCard%22%2C%22offer_id%22%3A%2223376%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496409%2C%22name%22%3A%22ukccf_best_credit_cards_main_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large weight-semi-bold has-margin-bottom-large\" rel=\"sponsored\" target=\"_blank\">Check eligibility<\/a><div class=\"u-grid no-margin-left\"><div class=\"u-grid__col u-1\/2@s no-padding-left has-margin-bottom\"><h4 id=\"bad_credit_altone\" class=\"text-xx-large\">Prefer shopping at Asda?<\/h4><img data-src=\"https:\/\/www.finder.com\/niche-builder\/64b1176d155a9.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"Asda Money Select Credit Card\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/64b1176d155a9.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/64b1176d155a9.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/64b1176d155a9.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h5 class=\"has-padding-top-small no-margin-top no-margin-bottom clearfix\">Asda Money Select Credit Card<\/h5><ul><li><strong>Benefits:<\/strong> Earn rewards while building your credit: get 0.75% on spend at Asda and 0.2% elsewhere. So if you spend \u00a3100 at Asda in a week, and \u00a3200 at other merchants, you'd earn \u00a31.15 back that week (75p and 40p). Earn more on Asda's 'Star products' or by completing 'missions'.<\/li><li><strong>Need to know:<\/strong> You may be offered an opening credit limit as low as \u00a3250.<\/li><li><strong>Representative example:<\/strong> Representative 39.81% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 39.81% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/asdamoneyselectcard-fullmarket-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22a28edc5d-8d08-48be-87fc-f6e391af984b%22%2C%22product_name%22%3A%22Asda%2BMoney%2BSelect%2BCredit%2BCard%22%2C%22offer_id%22%3A%2226134%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496343%2C%22name%22%3A%22ukccf_best_credit_cards_alt_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large\" rel=\"sponsored\" target=\"_blank\">Check eligibility<\/a><\/div><div class=\"u-grid__col u-1\/2@s no-padding-left has-margin-bottom\"><h4 id=\"bad_credit_alttwo\" class=\"text-xx-large\">Looking for 0% spending?<\/h4><img data-src=\"https:\/\/www.finder.com\/niche-builder\/6613ccf8de28c.png\" class=\"lazy-load alignleft has-margin-bottom-small\" alt=\"Barclaycard Forward Credit Card\" width=\"130\" height=\"81\" style=\"height: 81px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6613ccf8de28c.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6613ccf8de28c.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6613ccf8de28c.png?fit=390 390w\" sizes=\"(max-width: 390px) 100vw, 390px\" src=\"\" loading=\"lazy\"><h5 class=\"has-padding-top-small no-margin-top no-margin-bottom clearfix\">Barclaycard Forward Credit Card<\/h5><ul><li><strong>Benefits:<\/strong> Up to 6 months 0% interest on purchases (depending on eligbility) and price promise benefit \u2013 meaning a 3% interest rate reduction if you repay on time for your first year and 2% reduction if you do the same in year 2.<\/li><li><strong>Need to know:<\/strong> You may be offered a personalised opening credit limit as low as \u00a350.<\/li><li><strong>Representative example:<\/strong> Representative 33.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 33.9% p.a. (variable).<\/li><\/ul><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/barclaycardforward-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22665a6351-fe9c-4ce7-bce9-53d174c09f27%22%2C%22product_name%22%3A%22Barclaycard%2BForward%2BCredit%2BCard%22%2C%22offer_id%22%3A%2226083%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2263558%22%2C%22post_path%22%3A%22credit-cards%252Fbest-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A496343%2C%22name%22%3A%22ukccf_best_credit_cards_alt_prod%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--large\" rel=\"sponsored\" target=\"_blank\">Check eligibility<\/a><\/div><\/div>\n\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000017\" data-toggle=\"collapse\" data-target=\"#accordion0000000017\">\n        <span class=\"luna-accordion__title\">How do credit builder cards work?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000017\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>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.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000018\" data-toggle=\"collapse\" data-target=\"#accordion0000000018\">\n        <span class=\"luna-accordion__title\">Who are credit builder cards suited to?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000018\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>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.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000019\" data-toggle=\"collapse\" data-target=\"#accordion0000000019\">\n        <span class=\"luna-accordion__title\">What makes the best credit builder credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000019\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ol><li><strong>Are you eligible?<\/strong> 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.<\/li><li><strong>How much will the card cost to run?<\/strong> 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.<\/li><li><strong>What credit limits are available, and when are they reviewed?<\/strong> 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.<\/li><li><strong>Does the card have any perks?<\/strong> 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.<\/li><\/ol><\/div>\n  <\/div>\n<\/li><\/ul>\n<p class=\"has-margin-bottom-large has-padding-bottom-small\"><a class=\"more-link-arrow has-padding-bottom-large has-margin-bottom-large\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\">All credit builder cards<\/a><\/p><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path 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fill=\"#232320\"><\/path>\n<\/svg>\n            <\/div>\n\n                            <figure class=\"eeQuote__photo\">\n                    <img decoding=\"async\" alt=\"Michelle Stevens's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/MichelleStevensF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/MichelleStevensF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/MichelleStevensF1_Finder_600x600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/MichelleStevensF1_Finder_600x600.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\">\n                <\/figure>\n\n                                    <div class=\"eeQuote__finderLozenge\">\n  <div class=\"eeQuote__finderLozenge--desktop\">\n    <svg width=\"19\" height=\"12\" viewbox=\"0 0 19 12\" 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class=\"eeQuote__finderLozenge--mobile\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\">\n      <path d=\"M0 12C0 5.37258 5.37258 0 12 0C18.6274 0 24 5.37258 24 12C24 18.6274 18.6274 24 12 24C5.37258 24 0 18.6274 0 12Z\" fill=\"#1D53FF\"><\/path>\n      <g clip-path=\"url(#clip0_5290_9827)\">\n        <path d=\"M15.3179 6.63123H3.31543V12C3.31543 14.9651 5.71907 17.3688 8.6842 17.3688C9.9428 17.3688 11.1005 16.9335 12.0152 16.2048L12.0562 16.2679C12.9584 16.9587 14.0908 17.3688 15.3147 17.3688C18.2799 17.3688 20.6835 14.9651 20.6835 12C20.6835 9.03487 18.2799 6.63123 15.3147 6.63123H15.3179Z\" fill=\"white\"><\/path>\n        <path d=\"M17.6107 8.88653C17.229 8.88653 16.8726 9.03163 16.5603 9.28083C16.8158 9.47956 16.9862 9.78553 16.9862 10.1357C16.9862 10.735 16.5004 11.2208 15.901 11.2208C15.7717 11.2208 15.6519 11.1955 15.5351 11.1545C15.4815 11.4227 15.4531 11.7066 15.4531 11.9999C15.4531 13.7191 16.4184 15.1165 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<p>\"Credit cards come in fairly distinct categories \u2013 like rewards cards or 0% purchase cards \u2013 so Step one is understanding what type you need. Step two: use an eligibility checker (or perhaps a couple) on a comparison site, to see which cards you\u2019re actually eligible eligible for. This step is important, because once you\u2019ve settled on a card and you formally apply for it (Step three), you\u2019ll be \u201chard\u201d credit checked, which means a small impact on your credit score.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Michelle Stevens's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/MichelleStevensF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/MichelleStevensF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/MichelleStevensF1_Finder_600x600.png?fit=360 360w, 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                                   <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/michellestevens\" itemprop=\"url\" target=\"_blank\">\n                                Michelle Stevens\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Deputy editor<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h2 id=\"howwechoose\" class=\"has-padding-top-large\">How we choose our top credit cards<\/h2><p>Founded in 2006, Finder has been comparing credit cards for more than 15 years. Here\u2019s an overview of the criteria we use to pick our top credit cards:<\/p><ul class=\"list-1 has-margin-bottom\"><li><strong>The best at doing the job they\u2019re meant to.<\/strong> There\u2019s no absolute \u201cbest credit card\u201d for everyone, so our aim is to help you find a card that works for you. That\u2019s why we picked a card for each of the main types.<\/li><li><strong>Quality and price.<\/strong> Zero annual fees and low APRs sometimes don\u2019t tell the whole story \u2013 we take them into account but also look at what you get in return.<\/li><li><strong>Going the extra mile with rewards.<\/strong> Some credit cards do the job just fine but don\u2019t give you anything else. We like credit cards that offer ongoing rewards, be it tickets for your favourite concert or extra supermarket loyalty points.<\/li><\/ul><p>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 <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/methodology-for-rating-credit-cards\" class=\"fin-text-navy\">ratings methodology for credit cards<\/a>.<\/p><h2 id=\"customer-satisfaction\" class=\"has-padding-top-large\">Top credit card companies for customer satisfaction<\/h2><p>We asked credit card users to rate their card issuer and tell us whether they\u2019d recommend it to a friend. Our <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/finder-credit-cards-customer-satisfaction-awards-2025\">independent survey of 750 card customers<\/a> was carried out in February 2026.<\/p><table class=\"luna-table customer-satisfaction\" id=\"customer-satisfaction\"><thead class=\"luna-table__header\"><tr><th scope=\"col\" class=\"u-1\/5@s\">Brand<\/th><th scope=\"col\">Customers who\u2019d recommend<\/th><th scope=\"col\" class=\"is-hidden is-visible@m\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\" data-brand=\"chase\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/chase-digital-bank-review\">Chase<\/a><\/th><td>100%<\/td><td>Throughout 2025 and into 2026, <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/chase-digital-bank-review\">Chase<\/a> has been on a major charm offensive \u2013 attracting new UK customers with hefty welcome and refer-a-friend bonuses, and boosted intro cashback and savings rates. Reviewers appreciate the user-friendly app and fast, US-level customer service.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"lloyds\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/lloyds-bank\">Lloyds Bank<\/a><\/th><td>91%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/lloyds-bank\">Lloyds Bank<\/a> earns praise for its supportive fraud protection and seamless app management. Many users value how easy it is to track credit scores and manage finances.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"santander\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/santander\">Santander<\/a><\/th><td>90%<\/td><td>Rewarding users with cashback on daily spending, <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/santander\">Santander<\/a> is a reliable and stable provider. Customers also appreciate the brand\u2019s proactive security.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"barclaycard\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/barclaycard\">Barclaycard<\/a><\/th><td>87%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/barclaycard\">Barclaycard<\/a> is frequently cited for its high purchase protection and market-leading 0% transfer deals. Savers find the app easy to monitor.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"mands\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\">M&amp;S Bank<\/a><\/th><td>87%<\/td><td>Loyal shoppers value <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\">M&amp;S Bank<\/a> for its proactive fraud checks and useful voucher rewards. The brand is highly reputable with high customer service standards.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"hsbc\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/hsbc\">HSBC<\/a><\/th><td>87%<\/td><td>Widely accepted and reliable, <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/hsbc\">HSBC<\/a> provides helpful financial advice and useful 0% interest periods. Users appreciate the quick resolution of technical issues.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"rbs\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rbs\">Royal Bank of Scotland<\/a><\/th><td>87%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rbs\">Royal Bank of Scotland<\/a> is noted for its responsible credit limits and helpful app for tracking interest. Customers appreciate the brand\u2019s reliability.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"firstdirect\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/first-direct\">first direct<\/a><\/th><td>87%<\/td><td>Renowned for its top-tier call centre, <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/first-direct\">first direct<\/a> links seamlessly with current accounts. Users value the straightforward approach and honest communication.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"mbna\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/mbna\">MBNA<\/a><\/th><td>83%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/mbna\">MBNA<\/a> is praised for its responsive customer service and easy app navigation. Many reviewers highlight the clear security features and balance transfer offers.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"monzo\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/monzo-flex\">Monzo (flex card)<\/a><\/th><td>83%<\/td><td>The <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/monzo-flex\">Monzo (flex card)<\/a> earns high marks for its transparent interest-free split options. Users value how easily it integrates for managing daily spending.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"natwest\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/natwest\">NatWest<\/a><\/th><td>83%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/natwest\">NatWest<\/a> offers a secure app that includes useful instalment plans for larger purchases. Reviewers also value the brand\u2019s travel rewards.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"amex\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\">American Express<\/a><\/th><td>82%<\/td><td>Consistently praised for its exceptional rewards, <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\">American Express<\/a> remains a favourite for points hunters. Users especially value the loyalty incentives and professional service.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"bankofscotland\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/bank-of-scotland\">Bank Of Scotland<\/a><\/th><td>80%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/bank-of-scotland\">Bank Of Scotland<\/a> is valued for being a secure option, specifically for use abroad. Customers find the card replacement service efficient and smooth.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"virginmoney\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/virgin-money\">Virgin Money<\/a><\/th><td>80%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/virgin-money\">Virgin Money<\/a> is highlighted for its excellent balance transfer offers and easy-to-navigate website. Reviewers find the account management straightforward.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"asda\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/asda-money\">Asda Money<\/a><\/th><td>80%<\/td><td>Supermarket shoppers value <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/asda-money\">Asda Money<\/a> for its rewards scheme on weekly shops. The brand is described as supportive and easy to apply for.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"zable\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\/level-credit-card\">Zable<\/a><\/th><td>77%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\/level-credit-card\">Zable<\/a> is a popular choice for building credit with a fabulous app. Customers value the ability to track their credit score and receive instant support.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"halifax\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/halifax\">Halifax<\/a><\/th><td>77%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/halifax\">Halifax<\/a> is frequently recommended for its no-fee travel cards and easy balance transfers. Many users value the ability to talk to human agents.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"tescobank\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/tesco-bank\">Tesco Bank<\/a><\/th><td>77%<\/td><td>Collecting Clubcard points everywhere is a major highlight for <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/tesco-bank\">Tesco Bank<\/a> users. Reviewers also praise the quick resolution of issues.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"vanquis\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/vanquis\">Vanquis Bank<\/a><\/th><td>77%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/vanquis\">Vanquis Bank<\/a> is praised for supporting those with poor credit history. Customers value the helpful staff who provide understanding support for account management.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"yonder\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/compare-yonder-credit-cards\">Yonder<\/a><\/th><td>73%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/compare-yonder-credit-cards\">Yonder<\/a> stands out with its fantastic reward points programme tailored for city socialites. Users find the brand reputable and appreciate the innovative approach.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"johnlewis\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/john-lewis-and-waitrose-partnership-mastercard\">John Lewis Finance<\/a><\/th><td>70%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/john-lewis-and-waitrose-partnership-mastercard\">John Lewis Finance<\/a> is liked by customers for its secure app and valuable vouchers. Reviewers find the brand reliable and the online statements clear.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"118\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\/118-118-money-card\">118 118 Money<\/a><\/th><td>70%<\/td><td>Helpful for those rebuilding credit, <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\/118-118-money-card\">118 118 Money<\/a> offers clear fees and quick service. Users appreciate the regular updates and accessible credit limits.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"capitalone\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/capital-one\">Capital One<\/a><\/th><td>70%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/capital-one\">Capital One<\/a> is noted for its high approval transparency and helpful app. Users value the brand\u2019s open communication and efficient customer support.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"aqua\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/aqua\">Aqua<\/a><\/th><td>63%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/aqua\">Aqua<\/a> is valued for offering credit building opportunities, supported by a useful app. However, some users expressed dissatisfaction with the high interest rates.<\/td><\/tr><\/tbody><\/table><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000020\" data-toggle=\"collapse\" data-target=\"#accordion0000000020\">\n        <span class=\"luna-accordion__title\">Customer satisfaction scores methodology<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000020\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>We asked people who\u2019d used a credit card provider within the previous 12 months to rate their satisfaction with the service they received and whether they\u2019d recommend the provider to a friend. Our independent survey of 750 credit card customers was carried out in February 2026.<\/p><p>We have shown the percentage recommended score in the table above and used these ratings to decide the winners of our awards. Where there was a draw on the \u201cwould recommend percentage\u201d, we used the overall rating out of 5 as a tie-breaker.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>The best credit cards available right now: longest 0% interest deals, highest cashback earn rates and more.<\/p>\n","protected":false},"author":195,"featured_media":561414,"parent":63518,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-masthead-one-column.php","meta":{"footnotes":""},"tags":[2543,3734],"class_list":["post-63558","page","type-page","status-publish","has-post-thumbnail","hentry","tag-money-guide","tag-money-latest-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best credit cards UK: 2026 top picks [checked daily]<\/title>\n<meta name=\"description\" content=\"Our editors have picked the best credit cards for different purposes so you can find what you need. 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