Compare Top 10 Credit Cards
Compare the top 10 credit cards available in the UK at a glance and find the best credit card for your circumstances with the lowest interest rates whether you're looking to make new purchases or a balance transfer. Our top ten credit card comparison table makes finding the best deals quick and easy.
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| Balance Transfer Intro | Purchase Intro | Representative APR | |||||||||||||||||||||||||||||||||||||||||||||||
| Rate | Duration | Fee | Rate | Duration | (Variable) | ||||||||||||||||||||||||||||||||||||||||||||
Barclaycard Platinum With BT (22 Mths) | 0% | 22 months | 2.9% | 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). £30 fee refund when you transfer a balance of £2,500 or more (terms and conditions apply) | |||||||||||||||||||||||||||||||||||||||||||||||||
Virgin Balance Transfer Credit Card | 0% | 20 months | 2.99% | 0% | 3 months | 16.8% | |||||||||||||||||||||||||||||||||||||||||||
Representative Example: The annual purchase rate is 16.8% p.a.(variable) so if you spend £1,200 your representative APR will be 16.8% (variable). | |||||||||||||||||||||||||||||||||||||||||||||||||
Barclaycard Platinum Low BT Fee | 0% | 17 months | 1.6% | 0% | 3 months | 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). 2.1% Balance Transfer fee with a 0.5% refund, reduces this to equivalent of 1.6% for everyone (terms & conditions apply). | |||||||||||||||||||||||||||||||||||||||||||||||||
Virgin All Round Credit Card | 0% | 16 months | 1.99% | 0% | 6 months | 15.8% | |||||||||||||||||||||||||||||||||||||||||||
Representative Example: The annual purchase rate is 15.8% p.a.(variable) so if you spend £1,200 your representative APR will be 15.8% (variable). | |||||||||||||||||||||||||||||||||||||||||||||||||
MBNA Credit Card | 0% | 20 months | 2.99% | 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). Contactless Payments: You can now pay quickly and securely for purchases under £15 without entering your PIN. | |||||||||||||||||||||||||||||||||||||||||||||||||
Halifax All in One Card MasterCard | 0% | 15 months | 3% | 0% | 15 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). The APR and length of the promotional offer are dependent on your personal circumstances | |||||||||||||||||||||||||||||||||||||||||||||||||
Sainsbury's Bank Sainsbury's Credit Card (Nectar Card Holders Only) | 0% | 12 months | 3% | 0% | 12 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). You must have a Nectar Card in order to apply for the Credit Card.
Nectar points are NOT earned using this Credit Card | |||||||||||||||||||||||||||||||||||||||||||||||||
Halifax Balance Transfer Card | 0% | 22 months | 3.5% | 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). You must have an annual income of £20,000 or more to apply | |||||||||||||||||||||||||||||||||||||||||||||||||
Virgin Purchase Credit Card | 0% | 13 months | 2.89% | 0% | 13 months | 18.9% | |||||||||||||||||||||||||||||||||||||||||||
Representative Example: The annual purchase rate is 16.8% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable). | |||||||||||||||||||||||||||||||||||||||||||||||||
Barclaycard Platinum Purchase | 0% | 15 months | 2.9% | 0% | 15 months | 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). | |||||||||||||||||||||||||||||||||||||||||||||||||
Barclaycard Platinum With BT (21 Mths) | 0% | 21 months | 2.6% | 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). 3.2% Balance Transfer fee, 0.6% refund reduces this to equivalent of 2.6% (terms & conditions apply). | |||||||||||||||||||||||||||||||||||||||||||||||||
Halifax Balance Transfer Card 20/3 | 0% | 20 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). You must have an annual income of £20,000 or more to apply. | |||||||||||||||||||||||||||||||||||||||||||||||||
American Express Platinum Cashback Credit Card | n/a | n/a | n/a | 14% | n/a | 18.5% | |||||||||||||||||||||||||||||||||||||||||||
Representative Example: The annual purchase rate is 14% p.a.(variable) so if you spend £1,200 your representative APR will be 18.5% (variable)+£25 fee p.a Introductory bonus - 5% cashback in your first three months, max £100. £25 annual fee. Additional anniversary cashback each year. | |||||||||||||||||||||||||||||||||||||||||||||||||
Capital One Classic Visa Card | n/a | n/a | n/a | 34.9% | n/a | 34.9% | |||||||||||||||||||||||||||||||||||||||||||
Representative Example: 34.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 34.94% p.a. variable. Capital One, Trent House, Station Street, Nottingham, NG2 3HX | |||||||||||||||||||||||||||||||||||||||||||||||||
Vanquis The Visa Card | n/a | n/a | n/a | 39.9% | n/a | 39.9% | |||||||||||||||||||||||||||||||||||||||||||
Representative Example: Representative 39.9% APR variable. Based on £1,000 credit limit & annual purchase rate 39.94% p.a. variable. Suitable if you are new to credit, have had CCJs or have bad credit history. Can apply for up to £2,000 credit. | |||||||||||||||||||||||||||||||||||||||||||||||||
Play.com Credit Card | 0% | 6 months | 1.5% | 0% | 9 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). 1500 bonus PlayPoints awarded when you spend £150 on card purchases within 90 days of account opening. | |||||||||||||||||||||||||||||||||||||||||||||||||
Nationwide Credit Card (Balance Transfer) | 0% | 20 months | 3.1% | 0% | 3 months | 15.9% | |||||||||||||||||||||||||||||||||||||||||||
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable). | |||||||||||||||||||||||||||||||||||||||||||||||||
Sainsbury's Bank Sainsbury's Low Rate Credit Card | 6.95% | Unlimited | 0% | 6.95% | n/a | 6.9% | |||||||||||||||||||||||||||||||||||||||||||
Representative Example: The annual purchase rate is 6.9% p.a.(variable) so if you spend £1,200 your representative APR will be 6.9% (variable). You must have a Nectar Card in order to apply for the Credit Card.
Nectar points are NOT earned using this Credit Card | |||||||||||||||||||||||||||||||||||||||||||||||||
Sainsbury's Bank Sainsbury's Nectar Credit Card | 0% | 15 months | 3% | 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). You must have a Nectar Card in order to apply for the Credit Card | |||||||||||||||||||||||||||||||||||||||||||||||||
NatWest Platinum Card (Online) | 0% | 22 months | 3.2% | 0% | 6 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). | |||||||||||||||||||||||||||||||||||||||||||||||||
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Credit Card Comparison
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- Credit Cards
- 0% Balance Transfer & Purchases Credit Cards
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- VISA Balance Transfers
- Visa Business Credit Cards
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Alternative Credit Cards
You may want to compare the above credit cards with the following.
Bank of Ireland MasterCard Credit Card
- This credit card gives a 17.9 percent purchase interest rate AER.
- Get a bal transfer fee of 2.98% from this MasterCard Credit Card.
- £0 yearly fee.
- Benefit from free statement copies with the Bank of Ireland credit card.
- 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).
Bank of Scotland All in One Card
- Initial purchase rate of 0 percent is available.
- Initial purchase duration of 12 months.
- A 1.385% mthly balance transfer rate is available.
- Intro balance transfer duration of 12 months is available with All in One Card.
- Cash credit limit of £300 is available with this credit card.
- Initial balance transfer rate of 0% is offered with this credit card.
- 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).
MBNA Arsenal FC Card
- Have the benefit of free statement copies with the MBNA Arsenal FC Card credit card.
- You enjoy 90 days initial balance transfer window from Arsenal FC Card.
- Customers get representative APR of 16.9 percent.
- Have the benefit of £50,000 balance transfer limit from MBNA.
- The credit card has a 18.9% average balance transfer rate.
- 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).
Sainsbury's Bank Sainsbury's Nectar Credit Card
- Get 0 percent monthly balance transfer intro rate from Sainsbury's Bank.
- The credit card gives a cash loan rate of 25.9 percent.
- The credit card offers a maximum intro balance transfer fee limitless.
- Bal transfer fee of 3 percent.
- New customers get £3 minimum bal transfer fee from the Sainsbury's Nectar 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).
Metro Bank Personal Credit Card
- Personal Credit Card offers a representative APR of 13%.
- Personal Credit Card gives a late pay charge of £0.
- Customers benefit from 0 percent cash loan charge from Metro Bank.
- Take advantage of no worldwide charges from this credit card.
- Minimum balance transfer fee of £0.
- Representative Example: The annual purchase rate is 13% p.a.(variable) so if you spend £1,200 your representative APR will be 13% (variable).
Laura Ashley Card
- Enjoy 6 wks initial balance transfer window from Laura Ashley.
- Get mthly balance transfer intro rate of 0 percent.
- Enjoy a minimum intro balance transfer fee of £0 from this credit card.
- Enjoy introductory balance transfer window of 6 wks.
- Get a mthly balance transfer rate of 1.455 percent.
- 18.9% representative APR is available with Card.
- 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).
