Compare Gold Credit Cards

Compare the best gold credit cards currently available in the UK and see which gold credit card can offer you the lowest interest rate and best rewards at a glance. Our gold credit card comparison makes it easy for you to find the best gold credit card for your circumstances in a matter of minutes.

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	Balance Transfer Intro			Purchase Intro		Representative APR
	Rate	Duration	Fee	Rate	Duration	(Variable)
Barclaycard Gold Credit Card	0%	12 months	2.5%	---	---	19.9%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable). Do you have an average credit history, not excellent?
Bank of Ireland Gold MasterCard	0%	9 months	2.98%	0%	3 months	16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Bank of Ireland MoneyBack Gold MasterCard	0%	6 months	2.98%	0%	3 months	17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Clydesdale Bank Gold MasterCard	0%	16 months	3%	0%	3 months	16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Coutts Black Card	---	---	---	---	---	28.9%
Representative Example: The annual purchase rate is 14.7% p.a.(variable) so if you spend £1,200 your representative APR will be 28.9% (variable)+£90 fee p.a
Danske Bank Gold Credit Card	0%	5 months	0%	0%	5 months	41.6%
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 41.6% (variable)+£132 fee p.a This product is only available to existing customers.
First Direct Gold Visa	0%	20 months	2.9%	17%	---	16.9%
Representative Example: The annual purchase rate is 17% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable). This product is only available to existing customers.
Smile Gold Visa (non Current Account holders)	---	---	---	---	---	18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Smile Gold Visa (Current Account holders)	---	---	---	---	---	12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
Ulster Bank Gold MasterCard	3.9%	12 months	2.9%	0%	6 months	16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Yorkshire Bank Gold MasterCard	0%	16 months	3%	0%	3 months	16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).

money.co.uk, Dot Zinc Limited, 160 Fleet Street, London. EC4A 2DQ. We are a Credit Intermediary for all consumer credit products listed on money.co.uk, with the exception of products from the following providers: Tesco Bank, Royal Bank of Scotland Group and Nationwide Building Society.

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How to Choose the Best Gold Credit Card

Are you lucky enough to qualify for a gold credit card? If so this guide offers all you need to know about making a gold credit card comparison.

Being a gold credit card holder has always been a sign of status as it illustrates that you’re in the bracket of individuals who credit companies regard as the most desirable.

Do I quality for a gold card?

Getting a gold credit card is much easier than used to be the case. However, it still bestows a signal of status.

You’ll have to earn more than a certain amount every month and have a very good credit history to be considered for a gold credit card. In return you’ll have a card with all sorts of benefits including an introductory zero percent on purchases and balance transfers, a higher gold credit card limit and all sorts of other goodies.

How to compare gold credit cards

Aside from being able to show off to your friends, the most attractive thing is probably the gold card benefits which come with each card. These could be anything from airport lounge passes, complimentary insurance, air miles or gadget cover.

Finding the right gold credit card for you will depend greatly on which combination of these offers is most appealing to you. Perhaps you go on holiday a great deal in which case air miles would be more appropriate.

Perhaps you want details such as travel insurance or home insurance taken care of in one package, in which case you might choose a card which offers this as part of the service.

Comparison sites like our table here also are a good way to find a list of gold credit card offers side by side and most companies should make it easy to apply online.

Searching this way allows you to make quick comparisons against factors such as, interest rates, introductory balance rates, and of course the extra benefits.

You can also make use of these cards in a highly intuitive way by swapping providers once the zero percent purchase rate has expired. This takes a great deal of management and efficiency, but can save money in the long run.

Gold credit card extras to look out for

Before you make your final choice here are a few niggly little details to keep an eye out for.

Fraud can always be a problem, even when you take precuations, so you may want to check if they offer gold credit card insurance to reimburse you for any fraudulent transactions made on your account.

Most of all, as with any credit card product, make sure you’re able to pay off the balance every month. The high credit limits can be tempting and it’s easy to splash out on high purchases which you can’t really afford.

For more information or to make a gold credit card comparison, have a look at our handy guide.

Credit Card Comparison

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Alternative Credit Cards

You may want to compare the above credit cards with the following.

NatWest Business Card

1.408% mthly balance transfer rate.
New customers benefit from balance transfer fee of 0 percent.
£0 max balance transfer fee.
Customers get 23.2% representative APR from this Business Card.

Metro Bank Business Credit Card

Get no global charges from this credit card.
0 percent bal transfer fee is available to customers.
£0 mininmum yearly turnover.
Take advantage of a minimum trading period of 0 yrs from the credit card.
Customers take advantage of 13 percent standard balance transfer rate from Metro Bank.
Cash advance charge of £0.

Black Diamond Visa Credit Card

Get purchase rate AER of 59.94 percent.
0% initial purchase rate.
Take advantage of maximum credit limit of £1,000.
Representative APR of 59.9% is offered.
Representative Example: The annual purchase rate is 59.94% p.a.(variable) so if you spend £250 your representative APR will be 59.9% (variable).

MBNA Platinum Credit Card

Unlimited max intro balance transfer fee is offered.
You get £5 minimum balance transfer fee.
16.9% purchase rate AER.
0 percent initial purchase rate is offered to customers.
Intro balance transfer window of 60 days is offered with the credit card.
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).

fluid Balance Transfer Card

New customers will benefit from initial purchase duration of 3 months.
You will have the benefit of £0 annual fee.
Representative APR of 16.9 percent.
New customers can take advantage of purchase interest rate AER of 16.9 percent.
Get a monthly balance transfer rate of 1.4566 percent from this Balance Transfer Card.
You will get std balance transfer rate of 18.9%.
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).

MBNA More Rewards Credit Card

You get 12.9 percent representative APR.
Have the benefit of average money transfer rate of 20.9%.
Get a std balance transfer rate of 18.9%.
Take advantage of a purchase interest AER of 12.9 percent from the credit card.
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).

	All Credit Cards		0% Balance Transfers
	0% Purchases		Cashback & Rewards
	Credit Building