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Six independently reviewed UK credit cards across cashback, travel, balance transfer, 0% purchase and low APR — compared on the rate you actually pay.
See today’s top picks
Picking a credit card in the UK is rarely about the headline number. A 0% purchase card with a 22.9% revert APR will cost you more than a 1.5% cashback card if you regularly carry a balance. We rank every card on the realistic, blended cost across a typical 12-month spending pattern — not the marketing rate. Our editors check four things: the live representative APR, all fees, the genuine acceptance criteria, and the small print on rewards or cashback caps.
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Representative example: £1,200 credit limit, 24.9% APR variable. Subject to status. UK residents 18+. Terms apply.
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Representative example: £1,200 credit limit, 22.9% APR variable. Subject to status. UK residents 18+. Terms apply.
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Representative example: £1,200 credit limit, 24.9% APR variable. 3.5% transfer fee applies. Subject to status. UK residents 18+.
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Representative example: £1,200 credit limit, 28.9% APR variable with £75 annual fee. Subject to status. UK residents 18+.
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Representative example: £1,200 credit limit, 9.9% APR variable. Subject to status and minimum income. UK residents 18+.
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Representative example: £1,200 credit limit, 34.9% APR variable. Subject to status. UK residents 18+. Terms apply.
Match the card to the job. If you pay your bill in full every month, a cashback or rewards card almost always beats a 0% purchase card. If you regularly travel outside the UK, the foreign transaction fee saved on a no-FX card will usually outweigh cashback. For balance transfers, always run the numbers on the transfer fee, not just the length of the 0% period.
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