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Easy Finance Tips

Best Credit Cards

Credit cards fall into distinct jobs: spreading a purchase at 0%, shifting existing debt, or earning rewards. Using one card for all three usually costs more.

What to compare

  • Representative APR after any promotional period
  • Length of the 0% purchase or balance-transfer period
  • Balance-transfer fee as a percentage of the amount moved
  • Rewards value against any annual fee
  • Foreign transaction fees if you travel

Providers in this comparison

11 of 11 providers shown

Barclaycard (Barclays)

Platinum 0% Purchase Card

Long interest-free window on new spending.

Annual fee
None
Promotional period
Up to ~20 months 0%

MBNA (Lloyds Banking Group)

Balance Transfer Credit Card Range

Balance-transfer options with offer-specific fees and eligibility.

Annual fee
Transfer fee varies by offer — check provider
Promotional period
Up to ~28 months 0%

American Express

Cashback Everyday Credit Card

Fee-free tiered cashback on everyday spending.

Annual fee
None
Promotional period
No promotional period

American Express

Preferred Rewards Gold

Points-earning rewards card with travel perks and an annual fee.

Annual fee
£195/year after year one
Promotional period
No promotional period

Capital One UK

Classic Credit Card

Credit-builder card with a low starting limit and high APR.

Annual fee
None
Promotional period
No promotional period

Halifax (Lloyds Banking Group)

Clarity Credit Card

Travel card with no foreign transaction fees.

Annual fee
None
Promotional period
No promotional period

Tesco Bank

Purchases Credit Card

Purchase card earning Clubcard points.

Annual fee
None
Promotional period
Promotional 0% period

Sainsbury's Bank

Nectar Credit Card — closed to new applications

Closed to new applications. Transferred credit-card customers should contact NatWest for account support.

Annual fee
Existing customers: check account terms
Promotional period
Closed to new applications

Aqua (NewDay)

Aqua Classic Credit Card

Credit-building card with eligibility tools.

Annual fee
None
Promotional period
No promotional period

Virgin Money

Balance Transfer Credit Card

Long balance-transfer offer from a major UK banking group.

Annual fee
Illustrative transfer fee
Promotional period
Promotional 0% period

HSBC UK

Credit Card Range

UK credit-card range with terms depending on product and eligibility.

Annual fee
Varies by card
Promotional period
Varies by offer

Your side-by-side comparison

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Examples are educational, not personalised recommendations or live quotes. Confirm eligibility, current rates and fees directly with each provider.