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Credit Card Comparison

On this page you will find a large selection of credit cards with a wide range of different benefits. Please use the comparison tables to find the card that is ideal for you.

Editors Choice - Top Balance Transfer Cards

 
Credit Card
Balance Transfers
Purchases
Typical APR
Rewards
 
Rate
Duration
Natwest
Platinum

Natwest Platinum
0%
22 months
0% for 6 months
17.95% APR
(variable)
N/A
0% on purchases for 22 months from account opening. Thereafter the standard annual rate for purchases will be 17.95% (variable). 0% on balance transfers for 13 months from account opening (3.2% fee, min £5) on any balances you transfer within 6 months of opening your account. Thereafter the standard annual rate for balance transfers will be 17.95% (variable).



Representative Example:

Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable) based ona credit limit of £1,200.
Lloyds TSB
Platinum

Lloyds TSB Platinum
0%
21 Months
(3% admin fee)
0% for 3 months
17.9 % APR
(variable)
N/A
Manage your account online

Good credit rating required

Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).
Barclaycard
Platinum
Balance
Transfer

Barclaycard Platinum Balance Transfer
0%
16 Months
(1.5% admin fee)
0% for 3 months
16.9% APR
(variable)
Free Mr. B Toy
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable).
Sainsburys
Nectar
Credit Card

Sainsburys Nectar Credit Card
0%
15 Months
0% for 6 Months
17.9% APR
(variable)
Earn Nectar Card points whenever you use your card.
0% for the first 6 months on purchases

0% for the first 15 months on balance transfers (3% BT fee)

Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Halifax All
In One

Halifax All In One
0%
15 Months
(3% admin fee)
0% for 15 months
17.9% APR
(variable)
n/a
0% for 15 months balance transfers (3% fee)

0% for first 15 months on all purchases

No annual fee

Representative Example:

Based on borrowing £1,200 and repaying over 12 months the representative rate is 17.9% APR (variable). The purchase rate is 17.95% pa (variable). Interest rates vary depending on our assessment of your circumstances.
Post Office
Post Office
0%
14 Months
0% for 3 months
16.9% APR
(variable)
N/A
0% on balance transfers for the first 14 months and 2.98% balance transfer fee.

0% on purchases for the first 3 months

Dynamic Currency Conversion - To avoid fees when using your card abroad you can pay using the local currency.

Representative Example

Introductory rate of 0% purchases for the first 3 months and 16.9 % thereafter

Credit limit is subject to status

16.9% APR Representative (Variable)


Editors Choice - Top Zero % Purchase Cards

Credit Card
Balance Transfers
Purchases
Typical APR
Rewards
 
Rate
Duration
Natwest
Platinum

Natwest Platinum
0%
22 months
0% for 6 months
17.95% APR
(variable)
N/A
0% on purchases for 22 months from account opening. Thereafter the standard annual rate for purchases will be 17.95% (variable). 0% on balance transfers for 13 months from account opening (3.2% fee, min £5) on any balances you transfer within 6 months of opening your account. Thereafter the standard annual rate for balance transfers will be 17.95% (variable).



Representative Example:

Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable) based ona credit limit of £1,200.
Sainsburys
Nectar
Credit Card

Sainsburys Nectar Credit Card
0%
15 Months
0% for 6 Months
17.9% APR
(variable)
Earn Nectar Card points whenever you use your card.
0% for the first 6 months on purchases

0% for the first 15 months on balance transfers (3% BT fee)

Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Halifax All
In One

Halifax All In One
0%
15 Months
(3% admin fee)
0% for 15 months
17.9% APR
(variable)
n/a
0% for 15 months balance transfers (3% fee)

0% for first 15 months on all purchases

No annual fee

Representative Example:

Based on borrowing £1,200 and repaying over 12 months the representative rate is 17.9% APR (variable). The purchase rate is 17.95% pa (variable). Interest rates vary depending on our assessment of your circumstances.
Tesco Clubcard
Credit Card
Purchases

Tesco Clubcard Credit Card Purchases
0%
9 Months
0% for 16 months
16.95% APR
(variable)
Clubcard Points,
Special Clubcard
Deals and Bonuses,
Travel Rewards,
Tesco Petrol
Station Clubcard
Point Deals
* Representative example: When you spend £1,200 at a rate of 16.945% (variable) per annum, your Representative APR is 16.9% APR (variable).


Bad Credit, Credit Cards. If you have CCJ' or a bad credit rating. No need to miss out on getting a credit card. See these 2 great cards.

Credit Card
Balance Transfers
Purchases
Typical APR
Rewards
 
Rate
Duration
Captial One Classic
Captial One Classic
N/A
N/A
N/A
34.9% APR
(variable)
N/A
Low, easy-to-manage credit limit from £200

Choose your own credit card design

Register for email alerts to help you stay in control

Representative Example:

Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.

Vanquis Visa
Vanquis Visa
N/A
N/A
N/A
29.8% APR
(variable)
N/A
Representative Example: 29.8% APR representative (variable). Based on a credit limit of £1,000 and a purchase rate of 29.8% p.a. (variable).


Here are credit cards with a low rate on balance transfers for the life of the balance.

Credit Card
Balance Transfers
Purchases
Typical APR
Rewards
 
Rate
Duration

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Compare over 15 Credit Cards in Alphabetical Order

Credit Card
Balance Transfers
Purchases
Typical APR
Rewards
 
Rate
Duration
Amex British
Airways

Amex British Airways
N/A
N/A
N/A
15.9% APR
(variable)
BA Flights
£1 spent = 1 point
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your Representative APR is 15.9% APR (variable).
Amex British
Airways Premium

Amex British Airways Premium
N/A
N/A
N/A
19.9% APR
(variable)
BA Flights
£1 spent = 1 point
* Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £150 annual fee, your Representative APR is 50.1% APR (variable).
Barclaycard
Platinum
Balance
Transfer

Barclaycard Platinum Balance Transfer
0%
16 Months
(1.5% admin fee)
0% for 3 months
16.9% APR
(variable)
Free Mr. B Toy
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable).
Capital One World Mastercard
Capital One World Mastercard
N/A
N/A
N/A
19.94%
5% cashback for 3 months (maximum £100). Up to 1.25% cash back thereafter
19.9% APR representative variable

14.47% p.a. variable on purchases

£1,200 assumed credit limit

£30 Annual Fee

Representative Example: The annual purchase rate is 14.4% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable)+£30 fee p.a
Captial One Classic
Captial One Classic
N/A
N/A
N/A
34.9% APR
(variable)
N/A
Low, easy-to-manage credit limit from £200

Choose your own credit card design

Register for email alerts to help you stay in control

Representative Example:

Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.

Halifax All
In One

Halifax All In One
0%
15 Months
(3% admin fee)
0% for 15 months
17.9% APR
(variable)
n/a
0% for 15 months balance transfers (3% fee)

0% for first 15 months on all purchases

No annual fee

Representative Example:

Based on borrowing £1,200 and repaying over 12 months the representative rate is 17.9% APR (variable). The purchase rate is 17.95% pa (variable). Interest rates vary depending on our assessment of your circumstances.
Lloyds TSB
Platinum

Lloyds TSB Platinum
0%
21 Months
(3% admin fee)
0% for 3 months
17.9 % APR
(variable)
N/A
Manage your account online

Good credit rating required

Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).
Natwest
Platinum

Natwest Platinum
0%
22 months
0% for 6 months
17.95% APR
(variable)
N/A
0% on purchases for 22 months from account opening. Thereafter the standard annual rate for purchases will be 17.95% (variable). 0% on balance transfers for 13 months from account opening (3.2% fee, min £5) on any balances you transfer within 6 months of opening your account. Thereafter the standard annual rate for balance transfers will be 17.95% (variable).



Representative Example:

Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable) based ona credit limit of £1,200.
Post Office
Post Office
0%
14 Months
0% for 3 months
16.9% APR
(variable)
N/A
0% on balance transfers for the first 14 months and 2.98% balance transfer fee.

0% on purchases for the first 3 months

Dynamic Currency Conversion - To avoid fees when using your card abroad you can pay using the local currency.

Representative Example

Introductory rate of 0% purchases for the first 3 months and 16.9 % thereafter

Credit limit is subject to status

16.9% APR Representative (Variable)
Sainsburys
Nectar
Credit Card

Sainsburys Nectar Credit Card
0%
15 Months
0% for 6 Months
17.9% APR
(variable)
Earn Nectar Card points whenever you use your card.
0% for the first 6 months on purchases

0% for the first 15 months on balance transfers (3% BT fee)

Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Tesco Clubcard
Credit Card
Purchases

Tesco Clubcard Credit Card Purchases
0%
9 Months
0% for 16 months
16.95% APR
(variable)
Clubcard Points,
Special Clubcard
Deals and Bonuses,
Travel Rewards,
Tesco Petrol
Station Clubcard
Point Deals
* Representative example: When you spend £1,200 at a rate of 16.945% (variable) per annum, your Representative APR is 16.9% APR (variable).
Vanquis Visa
Vanquis Visa
N/A
N/A
N/A
29.8% APR
(variable)
N/A
Representative Example: 29.8% APR representative (variable). Based on a credit limit of £1,000 and a purchase rate of 29.8% p.a. (variable).
Virgin Atlantic
American Express
Black Card

Virgin Atlantic American Express Black Card
0%
6 Months
N/A
18.9% APR
(variable)
2 Flying Club
miles for every
£1 spent.
6000 mile bonus
Check out
the Virgin site
for more details
* Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).
Virgin Atlantic
American Express
White Card

Virgin Atlantic American Express White Card
0%
6 Months
(2% admin fee)
N/A
17.9% APR
(variable)
2 Flying Club
miles for every
£1 spent.
3000 mile bonus
Check out
the Virgin site
for more details
* Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

This table has around 60 of the top credit cards in the UK. It is designed to help you compare credit cards between 4 factors that relate to almost all cards. These are Balance Transfer rate and duration, introductory purchase rates and duration, APR and rewards. This table should help you find the card that suits you and your daily needs.

The balance transfer in our experience is one of the main things people would like to compare. so we put this in the second column after name of credit card. This is split into two sub columns, rate and duration. This helps you see at a glance the different balance transfer deals for different cards. The same goes for all the other columns, a quick look and you can compare between all the cards.

You can also filter down your search by clicking on one of the links at the top of any of our credit card pages and find cards that only fit a particular criteria. Find cards with: Balance Transfer Deals, Zero Percent on Purchases, Rewards and Air Miles. We have Business Credit Cards, Charity Cards and Football Cards.

It is not a new format for comparing credit cards, but after listening to many internet users about what they liked and disliked about comparison tables, we have feel we have come up with a winning formula. We have kept the tables in this site a reasonable size. Many tables are far to small and this puts people off looking. We have made the tables visually appealing. Many comparisons websites have poor looking tables which look like they were thrown together in a rush with no thought put into them. We also make all the apply now buttons link to the credit card websites open in a separate window. This means if you decide to back to our site you only have to close the window you are on and the page you were on will still be there. Basically we have designed the table to be easy to use. Which is the most important thing to achieve with any site. If you have any suggestions about how to improve our tables or anything on our site please email us. We love to hear from our visitors.

The Benefits of Using a Credit Card Comparison Table

When it comes time to apply for a credit card this can be a confusing and frustrating experience. There are hundreds of credit card offers from companies around the world. Some credit card offers will have hidden charges and others high interest rates. It seems that it is almost impossible to know how to apply for a credit card and what type of credit card to apply for.

Before you apply credit card you should use a comparison table to compare the types of deals that are currently on the market. This is a fast and easy way to compare dozens of credit cards at one time. Plus when you are ready to apply for a credit card you can simply choose the credit card that is right for you and click on the link that will redirect you to the credit card company’s website.

A comparison table usually compares a number of things. When you are comparing credit cards make sure to use a comparison table that lists the features and benefits of the credit card. This is a one stop tool for choosing what type of card is perfect for you.

Other features that the comparison chart may list are reasons why to choose the card, the annual percentage rate, air miles, introductory purchase offer, introductory balance transfer, balance transfer offer conditions, how balance transfers are paid off, balance transfer fees, annual fees and other important information.

An example of a credit card comparison would be if the credit card allowed users to collect air miles for flights, hotels, days out, wine and more. Another credit card may offer costumers a low rate on balance transfers while another type of credit card may offer holders a low annual percentage rate that is perfect for shopping.

A credit card may have an annual percentage rate of fifteen percent or a variable rate or a rate that is as low as eleven percent. Some credit card companies will offer special deals to new card holders.

Some of the special deals that may be listed on the credit card comparison chart are zero percent APR for the first six months or zero percent on balance transfers for the first nine months. These deals may work for some card holders but not for others.

Before you apply credit card make sure to read all of the information on the credit card comparison chart in order to make the best decision. A credit card is like cash in your pocket. Often times credit cards come in handy but they can also be very dangerous.

Some card holders have unknowingly signed up for credit cards that have annual fees. There have even been instances when the fees amount to a hundred dollars or more and are put on the first credit card bill. This is an awful way to find out about a hidden fee. This is why it is so important to use a credit card comparison table before you apply for a credit card. Choose a card that suits your financial needs and your lifestyle.

Recommended Finance Sites

www.bankofengland.co.uk
www.fsa.gov.uk
www.hm-treasury.gov.uk

How We Make Money

You may be wondering how a site that provides it's services for free makes it's money. Well it's simple. Every time you click on a card to apply for it we get paid a commission. That is how we make our money. We also make a small amount on the Google Advertising on the site.



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