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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

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 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).

Preferred Rewards Gold Card

Preferred Rewards Gold Card
No introductory rateNo introductory rateN/A

Cardmembers will now receive two complimentary lounge passes a year for over 350 airport lounges worldwide (terms apply). Double points on petrol and supermarket purchases in the first year. 7,500 bonus Membership Reward points on the Card anniversary when a Cardmember spends £15,000 in the preceding 12 months and more.

Representative example: assumed borrowing of £1,200, representative 0.00% APR (variable).

Lloyds TSB Duo Avios

Lloyds TSB Duo Avios
0% for 6 months (3% fee)No introductory rate Representative 15.9% APR (variable)

Collect 1,500 Avios for every whole £1,000 balance transferred from a single provider.

Representative example: assumed borrowing of £1,200, representative 15.9% APR (variable). Purchase rate 15.94% PA (variable). Lloyds TSB Bank Plc, 25 Gresham Street, London, EC2V 7HN.

British Airways American Express Premium Plus

British Airways American Express Premium Plus
No introductory rateNo introductory rate Representative 50.1% APR (variable)

18,000 bonus Avios when you spend £3K in the first 3 months.

Representative example: based on £150.00 annual fee, assumed borrowing of £1,200, representative 50.10% APR (variable). Purchase rate 19.90% PA (variable).

Lloyds TSB Premier Duo Avios

Lloyds TSB Premier Duo Avios
0% for 6 months (3% fee)No introductory rate Representative 21.9% APR (variable)

Collect 1,500 Avios for every whole £1,000 balance transferred from a single provider.

Representative example: based on £50.00 annual fee, assumed borrowing of £1,200, representative 21.9% APR (variable). Purchase rate 13.95% PA (variable). Lloyds TSB Bank Plc, 25 Gresham Street, London, EC2V 7HN.

British Airways American Express

British Airways American Express
No introductory rateNo introductory rate Representative 19.9% APR (variable)

Avios - 1 Avios for virtually every £1 spent plus collect 1,000 bonus Avios when you spend £500 in the 1st 3 mths. Companion airline ticket when you spend £20k on the card in 12 months and you redeem your Avios for BA flights.

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

Capital One Click Card MasterCard

Capital One Click Card MasterCard
No introductory rateNo introductory rate Representative 9.9% APR (variable)Rewards - Access to eXtras plus, offering discounts on an unlimited basis for six months with selected online retailers such as: 20% off and free delivery with Tedbaker.com, 25% off Travelpack.com, 30% off Zavvi.com, 50% off viagogo.co.uk and new discounts becoming available every three months.
Representative Example: assumed borrowing of £1,200, representative 9.9% APR (variable). Purchase rate 9.94% PA (variable).

NatWest YourPoints World MasterCard

NatWest YourPoints World MasterCard
0% for 13 months (2.9% fee)0% for 13 months Representative 17.9% APR (variable)

Earn 1 point for every £1 spent on card. Points can be redeemed for a huge choice of rewards from flights and holidays, shopping vouchers, spa experiences and theatre nights. Customers will receive 2,500 bonus points shortly after receiving the card and each year thereafter.

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).

Royal Bank of Scotland YourPoints World MasterCard

Royal Bank of Scotland YourPoints World MasterCard
0% for 13 months (2.9% fee)0% for 13 months Representative 17.9% APR (variable)Points - Earn 1 point for every £1 spent on card. Points can be redeemed for a huge choice of rewards from flights and holidays, shopping vouchers, spa experiences and theatre nights. Customers will receive 2,500 bonus points shortly after receiving the card and each year thereafter.
Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable).

AA Visa Credit Card

AA Visa Credit Card
0% for 12 months (3% fee)0% for 10 months Representative 16.9% APR (variable)

Points apply to eligible card purchases. Reward of 1 point for every full £2 spent, with 1 point for every £1 spent on Fuel, Motoring or AA product purchases.

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

Sainsbury's Gold MasterCard

Sainsbury's Gold MasterCard
No introductory rateNo introductory rate Representative 20.1% APR (variable)

Earn 2 points per £1 spent in Sainsbury's store. Earn 1 point per £5 spent when making any other purchase.

Representative example: based on £60.00 annual fee, assumed borrowing of £1,200, representative 20.10% APR (variable). Purchase rate 9.94% PA (variable).

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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This credit card comparison service (the “Service”) is provided by lovemoney.com, a third party. If you have any questions about the Service or any data displayed, please contact lovemoney.com.

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Please note that the services and products featured are those made available from advertisers and may not necessarily be the best offers on the market. For more information, please see our credit cards advertising disclosure.