Compare credit cards

From 0% deals to low standard APR, we cover the whole market

We've got everything you need to compare a wide range of credit cards, from 0% balance transfer cards to 0% purchases and rewards. You can use our search tool to find the exact credit card you're looking for, or you can pick a winner from our best buy 0% credit cards.

A substandard credit card isn’t worth your time or money, but unfortunately, the market is flooded with them. If you’re not careful, your credit card could rip you off – but it doesn’t have to. All you need is some savvy advice on how to tell a worthy card from a waster.

The biggest thing you need to know before choosing a credit card is what you need from a credit card. If you don’t normally pay your credit card balance in full each month, you’re probably best suited to a 0% balance credit card – this way you can transfer your balance and pay it off over the period of the 0% offer, without having to pay interest. There are two key things to keep in mind with 0% balance transfer offers, though. First, keep an eye on the balance transfer fee – most cards will charge you between two and three percent of the balance transferred. Do some maths before you transfer your balance to make sure the cost of transferring doesn’t outweigh the interest saved.

The second key thing to keep in mind with a balance transfer card is simple: don’t spend on it. Unless your balance transfer card offers you 0% on new purchases as well as balance transfers, any purchases made on the card will tip you into the interest-gathering red zone. Our best suggestion is to keep your balance transfer card for one thing – balance transfers!

Whatever card you get, keep an eye open for the myriad opportunities credit card providers offer to help you contribute to their bottom line. High standard interest rates (APR), obscene charges for cash withdrawals, and extra, hidden fees are just some of the card tricks you don’t want to fall for. Low minimum monthly repayments (MMRs) are another. If you don’t pay your card debt in full each month, steer clear of credit cards with an MMR of less than 2.5%. With most credit cards charging an interest rate of over 15½%, consistently paying the MMR can inflate a modest debt to gargantuan proportions and stretch it out over decades, leading to huge income for your credit card provider.

There’s one (legal) scam every credit card holder needs to beware of, and that’s payment protection insurance (PPI), also known as card repayment protection. Without a doubt, payment protection insurance is a colossal waste of money, increasing the cost of your credit-card spending by an average of 9.15% each year, even if you pay your bill in full each month. For the sake of your wallet, steer clear of PPI!

Compare our top credit cards by category

 
 
Credit card
company
Balance transfersrate and period?New purchasesrate and period? Representative
APR
?
Loyalty details? Apply
now

Barclaycard 22Mth Platinum Visa

Barclaycard 22Mth Platinum Visa
0% for 22 months (2.9% fee)0% for 3 months Representative 17.5% APR (variable)N/A
Representative example: assumed borrowing of £1,200, representative 17.50% APR (variable). Purchase rate 17.50% PA (variable). Refund offer reduces handling fee from 3.2% to 2.9% for everyone (Ts&Cs apply)

Halifax MasterCard

Halifax MasterCard
0% for 22 months (3.5% fee)0% for 3 months Representative 17.9% APR (variable)N/A
Representative example: assumed borrowing of £1,200, representative 17.90% APR (variable). Purchase rate 17.95% PA (variable). Halifax, The Mound, Edinburgh EH1 1YZ..

Barclaycard 21Mth Platinum Visa

Barclaycard 21Mth Platinum Visa
0% for 21 months (2.6% fee)0% for 3 months Representative 17.9% APR (variable)N/A
Representative example: assumed borrowing of £1,200, representative 17.90% APR (variable). Purchase rate 17.90% PA (variable). Refund offer reduces handling fee from 2.9% to 2.6% for everyone (Ts&Cs apply)

Halifax 20Mth MasterCard

Halifax 20Mth MasterCard
0% for 20 months (3% fee)0% for 3 months Representative 16.9% APR (variable)N/A
Representative example: assumed borrowing of £1,200, representative 16.90% APR (variable). Purchase rate 16.94% PA (variable). Halifax, The Mound, Edinburgh EH1 1YZ..

NatWest Platinum MasterCard

NatWest Platinum MasterCard
0% for 20 months (2.9% fee)0% for 6 months Representative 17.9% APR (variable)

Stop paying interest on your balances for the next 16 months – and save on everyday spending too. Balance transfers are limited to 95% of your available credit limit so, if your new Platinum Credit Card has a limit of £2000, you could switch up to £1900.

Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable).

Barclaycard Low Fee Platinum Visa

Barclaycard Low Fee Platinum Visa
0% for 16 months (1.6% fee)0% for 3 months Representative 18.9% APR (variable)N/A
Representative example: assumed borrowing of £1,200, representative 18.90% APR (variable). Purchase rate 18.90% PA (variable). Transfer fee 2.1%. Refund offer reduces handling fee to equivalent 1.6% for everyone (ts&c's apply)

HSBC Visa

HSBC Visa
0% for 23 months (3.3% fee)0% for 3 months Representative 17.9% APR (variable)

Existing HSBC current account holders only, income must be £8,500 depositing £500 per month.

Representative example: assumed borrowing of £1,200, representative 17.90% APR (variable). Purchase rate 17.90% PA (variable).

Royal Bank of Scotland Platinum MasterCard

Royal Bank of Scotland Platinum MasterCard
0% for 20 months (2.9% fee)0% for 6 months Representative 17.9% APR (variable)

Stop paying interest on your balances for the next 16 months – and save on everyday spending too. Balance transfers are limited to 95% of your available credit limit so, if your new Platinum Credit Card has a limit of £2000, you could switch up to £1900.

Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable).

Virgin Money MasterCard

Virgin Money MasterCard
0% for 20 months (2.99% fee)0% for 3 months Representative 16.8% APR (variable)

As well as a great rate, the Virgin Credit Card comes with no annual fee, free purchase protection insurance, free travel accident insurance and the account can be managed online 24/7 or by phone.

Representative example: assumed borrowing of £1,200, representative 16.80% APR (variable). Purchase rate 16.80% PA (variable).

Bank of Scotland Plus MasterCard

Bank of Scotland Plus MasterCard
0% for 18 months (3% fee)0% for 3 months Representative 16.9% APR (variable)

To benefit from the 0% rate, you must stay within your credit limit and make your monthly payments on time. Balances transferred from other Halifax or Bank of Scotland cards are not eligible for the 0% balance transfer offer.

Representative example: assumed borrowing of £1,200, representative 16.9% APR (variable). Purchase rate 16.94% PA (variable). Bank of Scotland, PO Box 23581, Edinburgh EH1 1WH.

Halifax 17 Mth MasterCard

Halifax 17 Mth MasterCard
0% for 17 months (3% fee)0% for 3 months Representative 16.9% APR (variable)N/A
Representative example: assumed borrowing of £1,200, representative 16.90% APR (variable). Purchase rate 16.94% PA (variable). Halifax, The Mound, Edinburgh EH1 1YZ..

Sainsbury's Nectar Credit Card

Sainsbury's Nectar Credit Card
0% for 15 months (3% fee)0% for 6 months Representative 16.9% APR (variable)Points - Earn 2 points per £1 spent in Sainsbury's store. Earn 1 point per £5 spent when making any other purchase.
Representative example: assumed borrowing of £1,200, representative 16.9% APR (variable). Purchase rate 16.94% PA (variable).

Lloyds TSB Platinum MasterCard

Lloyds TSB Platinum MasterCard
0% for 15 months (3% fee)0% for 3 months Representative 17.9% APR (variable)N/A
Representative example: assumed borrowing of £1,200, representative 17.90% APR (variable). Purchase rate 17.95% PA (variable). Lloyds TSB Bank Plc, 25 Gresham Street, London, EC2V 7HN.

Nationwide Visa

Nationwide Visa
0% for 17 months (2.95% fee)0% for 3 months Representative 15.9% APR (variable)Foreign Usage Rewards - Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission. Rewards scheme providing savings on major brands including Holiday Inn, Wickes, Butlins, Urban Outfitters, Gourmet Society, Kwik Fit, aka Promotions (West End Theatre) and Virgin Holidays - these offers are reviewed on a regular basis.
Representative example: assumed borrowing of £1,200, representative 15.90% APR (variable). Purchase rate 15.90% PA (variable).

Virgin Money 13/13 MasterCard

Virgin Money 13/13 MasterCard
0% for 13 months (2.89% fee)0% for 13 months Representative 18.9% APR (variable)N/A
Representative example: assumed borrowing of £1,200, representative 18.90% APR (variable). Purchase rate 18.90% PA (variable).

Tesco Clubcard Credit Card

Tesco Clubcard Credit Card
0% for 9 months (2.9% fee)0% for 15 months Representative 16.9% APR (variable)Clubcard -

1 Clubcard point for every £4 you spend. (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)).

Representative example: assumed borrowing of £1,200, representative 16.90% APR (variable). Purchase rate 16.95% PA (variable).

Sainsbury's Shopper Credit Card

Sainsbury's Shopper Credit Card
0% for 12 months (3% fee)0% for 12 months Representative 16.9% APR (variable)

With a Sainsbury's Credit Card, Sainsbury's shoppers with a Nectar card can enjoy 0% for 12 months on all shopping and balance transfers (3% BT fee applies) 15.9% APR typical variable. Subject to Nectar card verification in store.

Representative example: assumed borrowing of £1,200, representative 16.9% APR (variable). Purchase rate 16.94% PA (variable).

Post Office Platinum MasterCard

Post Office Platinum MasterCard
0% for 14 months (2.98% fee)0% for 3 months Representative 16.9% APR (variable)

0% commission on Purchases overseas, No cash advance fee on Post Office Travel Money, competitive 0% balance transfer proposition.

Representative example: assumed borrowing of £1,200, representative 16.90% APR (variable). Purchase rate 16.90% PA (variable). Post Office, Customer Care, FREEPOST, PO Box 740, Barnsley, S73 0ZJ.

Barclaycard Gold Visa

Barclaycard Gold Visa
0% for 9 months (2.5% fee)No introductory rate Representative 19.9% APR (variable)

Earn Reward Money at selected retailers (not points or vouchers) and redeem it on a future purchase at selected retailers within the programme. Terms and Conditions apply.

Representative example: assumed borrowing of £1,200, representative 19.90% APR (variable). Purchase rate 19.90% PA (variable).

Creation Purchase MasterCard

Creation Purchase MasterCard
0% for 9 months (3% fee)0% for 13 months Representative 17.9% APR (variable)N/A
Representative example: assumed borrowing of £1,200, representative 17.90% APR (variable). Purchase rate 17.90% PA (variable).

Saga Over 50's Platinum Visa

Saga Over 50's Platinum Visa
0% for 9 months (3% fee)0% for 9 months Representative 11.9% APR (variable)

Applicants must be aged 50yrs or over.

Representative example: assumed borrowing of £1,200, representative 11.90% APR (variable). Purchase rate 11.30% PA (variable). Allied Irish Banks plc, Bankscentre, Ballsbridge, Dublin 4, Republic of Ireland.

Foolish Selection

American Express Platinum CashbackAmerican Express Platinum Cashback
5% cashback in the first 3 months up to £100. 1.25% after that, with no limit on how much you can earn.Representative 18.5% APR variable. Based on annual fee of £25 and assumed credit limit of £1,200. Interest rate for purchases: 14.0% p.a. variable.
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