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MasterCard credit cards

Compare MasterCard credit cards

MasterCard credit cards provide a secure way to pay for things online and in retailers worldwide. In the table below you’ll find our best MasterCard credit card deals with options for long balance transfer periods, 0% interest on purchases and low APR interest rates.

Find different kinds of MasterCard credit cards
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without affecting your credit score

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How this works

Compare MasterCard credit cards from leading providers

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

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How to compare MasterCard credit cards

Compare credit cards

Use our table of offers to find a credit card that offers all the features you need with the lowest fees and interest rates.

Check your eligibility

Carefully review your chosen card's terms to make sure you fit its eligibility criteria, then get your proof of ID ready.

Apply for the card you want

Click "view deals" and fill out the application form on the provider's website. Then sit back and wait for a reply.

MasterCard credit cards

39 results found, sorted by most popular. How we order our comparisons.

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Virgin Money Balance Transfer Credit Card (34 Mths) (21.9%)

Balance transfers

0% for 34 months with a 2.7% fee

Purchases

0% for 3 months

Representative APR (variable)

21.9% APR

Virgin Money Balance Transfer Credit Card (34 Mths) (21.9%)

Earn cashback on credit card spend at participating retailers when they are enrolled in the programme via the mobile app.

Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.

Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,000
UK Resident

Sainsbury's Bank Dual Offer Credit Card

Balance transfers

0% for 24 months with a 3% fee (£3 min.)

Purchases

0% for 24 months

Representative APR (variable)

21.9% APR

A 3% fee is applied to balance transfers at application (minimum £3). The charge will depend on your current offer thereafter.

Sainsbury's Bank may offer you a 0% interest period of 24 or 16 months instead depending on your individual circumstances.

Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£10,000
UK Resident

Santander Everyday No Balance Transfer Fee Credit Card

Balance transfers

0% for 21 months with no fee

Purchases

0% for 3 months

Representative APR (variable)

21.9% APR

Santander Everyday No Balance Transfer Fee Credit Card

Once the 0% deals end, you will be charged at 21.9% p.a. variable on any outstanding balances. Earn up to 15% cashback through Retailer Offer, a free service through Online and Mobile Banking.

Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,500
UK Resident

Halifax Longest 0% Balance Transfer Credit Card

Balance transfers

0% for 34 months with a 2.89% fee

Purchases

0% for 9 months

Representative APR (variable)

21.9% APR

Halifax Longest 0% Balance Transfer Credit Card

Balance Transfers must be completed within the first 90 days to get the promotional offers.

The duration of the introductory offer may vary depending on your personal circumstances.

Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
UK Resident

Lloyds 0% Purchase and Balance Transfer Card

Balance transfers

0% for 18 months with a 2.99% fee

Purchases

0% for 21 months

Representative APR (variable)

21.9% APR

Lloyds 0% Purchase and Balance Transfer Card

Balance Transfers must be completed within the first 90 days to get the promotional offers.

The duration of the introductory offer may vary depending on your personal circumstances.

Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
UK Resident

Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)

Balance transfers

0% for 21 months with no fee

Purchases

0% for 3 months

Representative APR (variable)

20.9% APR

Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)

No balance transfer fee applies to transfers made within the first 3 months. For transfers made after this period, the fee may vary.

Balance Transfer fee of 0% or 1% applies to transfers made within your first three months, depending on your individual circumstances. The charge will depend on your current offer thereafter.

Sainsbury's Bank may offer you a 0% interest period on balance transfers of 17 or 13 months instead, depending on your individual circumstances.

Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£10,000
UK Resident

MBNA Money Transfer Card

Balance transfers

0% for 12 months with a 4% fee

Purchases

22.94% p.a. variable

Representative APR (variable)

22.9% APR

Balance Transfers and Money Transfers must be completed within the first 60 days to get the promotional offers.

The duration of the introductory offer may vary depending on your personal circumstances.

Representative Example: The standard interest rate on purchases is 22.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
UK Resident

MBNA Balance Transfer Low Fee Card

Balance transfers

0% for 28 months with a 0.99% fee

Purchases

21.94% p.a. variable

Representative APR (variable)

21.9% APR

Balance Transfers must be made within the first 60 days to get the promotional offers.

The duration of the introductory offer may vary depending on your personal circumstances.

Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
UK Resident

Lloyds Credit Card

Balance transfers

9.94% p.a.variable with no fee

Purchases

9.94% p.a. variable

Representative APR (variable)

9.9% APR

Transfer a balance within 90 days of opening an account to get the no fee deal; otherwise the fee will be 5% thereafter. You may be eligible to apply for a second credit card. Conditions apply.

Representative Example: The standard interest rate on purchases is 9.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 9.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
UK Resident

Sainsbury's Bank Balance Transfer Credit Card (30 Mths)

Balance transfers

0% for 30 months with a 1.5% fee (£3 min.)

Purchases

0% for 3 months

Representative APR (variable)

19.9% APR

Sainsbury's Bank Balance Transfer Credit Card (30 Mths)

Balance transfer fee of 1.5% applies to transfers made at application(£3 minimum). The charge will depend on your current offer thereafter.

Once the 0% deal ends the balance transfer rate will be 19.95% p.a. variable with a 3% fee.

The duration of the introductory offer may vary depending on your personal circumstances.

Representative Example: The standard interest rate on purchases is 19.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£10,000
UK Resident

Virgin Money Travel Credit Card (21.9%)

Balance transfers

0% for 9 months with a 2% fee

Purchases

0% for 9 months

Representative APR (variable)

21.9% APR

Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.

Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.

Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,000
UK Resident

Virgin Money All Round Credit Card (19 Mths) (23.9%)

Balance transfers

0% for 19 months with a 2.9% fee

Purchases

0% for 19 months

Representative APR (variable)

23.9% APR

Virgin Money All Round Credit Card (19 Mths) (23.9%)

Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.

Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 23.9% p.a. variable with a 5% fee.

Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,000
UK Resident

Virgin Money All Round Credit Card (19 Mths) (21.9%)

Balance transfers

0% for 19 months with a 2.9% fee

Purchases

0% for 19 months

Representative APR (variable)

21.9% APR

Virgin Money All Round Credit Card (19 Mths) (21.9%)

Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.

Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,000
UK Resident

Sainsbury's Bank Balance Transfer 33 Months Credit Card

Balance transfers

0% for 33 months with a 2.89% fee (£3 min.)

Purchases

0% for 3 months

Representative APR (variable)

21.9% APR

Sainsbury's Bank Balance Transfer 33 Months Credit Card

Balance transfer fee of 2.89% or 3% applies to transfers made at application(£3 minimum). The charge will depend on your current offer thereafter.

The duration of the introductory offer may vary depending on your personal circumstances.

Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£10,000
UK Resident

Virgin Money Balance Transfer Credit Card (15 Mths) (21.9%)

Balance transfers

0% for 15 months with no fee

Purchases

0% for 3 months

Representative APR (variable)

21.9% APR

Virgin Money Balance Transfer Credit Card (15 Mths) (21.9%)

Transfer a balance within 60 days of opening an account to get the no fee deal; otherwise the fee will be 5%.

Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,000
UK Resident

Capital One Platinum Card

Balance transfers

29.84% p.a. variable with a 3% fee

Purchases

29.84% p.a. variable

Representative APR (variable)

29.8% APR

Representative Example: The standard interest rate on purchases is 29.84% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.8% (variable).

Eligibility

CCJs Allowed
Credit Rating	poor
History of Bankruptcy	not in last 12 months
Minimum Age	18 years
UK Resident

Virgin Atlantic Reward Credit Card

Balance transfers

0% for 6 months with a 3% fee

Purchases

22.9% p.a. variable

Representative APR (variable)

22.9% APR

Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.

Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 22.9% p.a. variable with a 5% fee.

Representative Example: The standard interest rate on purchases is 22.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,000
UK Resident

Digital Credit Card

Bip Credit

Balance transfers

Purchases

29.95% p.a. variable

Representative APR (variable)

29.9% APR

Digital credit card with instant balance updates, no hidden fees and spend caps set by you.

Representative Example: The standard interest rate on purchases is 29.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.9% (variable).

Eligibility

CCJs Allowed	not in last 12 months
Credit Rating	poor
History of Bankruptcy	not in last 18 months
Minimum Age	18 years
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

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Who We Compare

What is a MasterCard credit card?

MasterCard processes the transactions when you spend on your card and sends the money to the company you are buying from. MasterCard is not a credit card issuer.

Your credit card will be issued by a bank or financial company which also sends you your monthly statement, takes your bill payments, charges you fees and interest and handles any questions you have.

You can also get credit cards processed by Visa and American Express.

Check out our guide to find out the differences between Visa and MasterCard.

Should you choose a MasterCard credit card?

The main features you can only get from MasterCard credit cards are:

Fraud protection through its SecureCode scheme
Discounts and ticket promotions, plus further benefits through its World Elite MasterCard

However, American Express and Visa offer their own fraud protection and benefits schemes too. Generally, you should choose a credit card by thinking about how you want to use it, instead of choosing a card based on which company processes the transactions.

What type of card is right for you?

Cards for spending

Spread the cost of your spending with a 0% purchases credit card
Spend outside the UK with a credit card that has low fees when you spend abroad

Cards with rewards

Earn money back on what you spend on a cashback credit card
Earn vouchers when you spend on a rewards credit card
Earn flights and holidays when you spend on an air miles credit card

Cards for paying off debt

Pay off your old credit card's balance interest free with a 0% balance transfer
Pay off your overdraft or a loan interest free with a money transfer credit card.

Cards for bad credit or first time borrowers

Get a card if you have bad credit by looking for one designed to accept you
Get your first card by choosing one that could accept you and build your credit history.

How to get the best MasterCard?

You can find the best MasterCard credit card, for your needs, by using our comparison table above.

You can use it to compare every MasterCard deal offered by UK credit card providers by:

Each card's representative APR
Each card's interest free purchases deals, if they offer them
Each card's balance transfer deals, if they offer them

Find the cards most likely to say yes

See which cards you are most likely to be accepted for without affecting your credit score

Find a card

Explore credit cards guides

See more guides

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How many credit cards should you have?

Here is how the number of cards you have can affect your finances and credit record, and what you can do about it.

Which Credit Card Is Best For Me? - Choose a card

Choosing the right type of credit card could save you money in interest, earn you rewards or help you get accepted. Here is how to pick the right one and where to find it.

What is the difference between Visa and MasterCard?

MasterCard and Visa work very similarly to one another. They are payment networks, which process payments when you spend using your credit, debit or prepaid card.

Our most popular credit cards

Below you can find a list of our most popular credit cards:

Business credit cards
Credit cards for bad credit
Best credit card to build credit
Balance transfer credit cards
0% interest credit cards
Student credit cards

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Below is a list of products you may be interested in:

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Why compare credit cards with money.co.uk?

Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

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