All credit card offers

We’ve vetted hundreds of credit cards to bring you the best deals out there. Below you’ll find all of the credit cards that we’ve considered.

We’ve searched the UK credit card market, and below you can find a list of diverse list of the cards we’ve reviewed.

Great for: Long 0% purchase and balance transfer, plus points
5 stars question mark
Apply Now!

On M&S Bank's Secure Website

The M&S Shopping Plus credit card ticks a lot of the boxes to make a great credit card. For starters, there’s a long 20-month 0% period on new purchases. But you can add to that a 20-month, 0% period for balance transfers made in the first 90 days and the M&S points programme. It is worth noting that there’s a 2.9% fee on balance transfers.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest on purchases for the first 20 months
  • 0% interest for 20 months on balance transfers made in the first 90 days
  • 2.9% balance transfer fee
  • Earn M&S points for shopping at M&S and elsewhere
  • Bonus points voucher for 500 M&S points (worth £5 at M&S) mailed with new card

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Assumed credit limit £1,200

what we like

  • 0% interest on purchases for the first 20 months
  • 0% interest for 20 months on balance transfers made in the first 90 days (2.9% fee applies)
  • Earn M&S points for shopping at M&S and elsewhere
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    0% interest on purchases for 20 months
    0% interest on balance transfers for 20 months

KEY SCORES:

  • 5/5 Perks
  • 5/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest on purchases for the first 20 months
  • 0% interest for 20 months on balance transfers made in the first 90 days
  • 2.9% balance transfer fee
  • Earn M&S points for shopping at M&S and elsewhere
  • Bonus points voucher for 500 M&S points (worth £5 at M&S) mailed with new card

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Assumed credit limit £1,200
Great for: Premium charge-card experience
4.5 stars question mark

This card is the jewel in American Express’s Business Charge Card crown. As expected, it has benefits such as its Membership Rewards programme and purchase protection, but it also has a plethora of more exclusive perks such as airport lounge access, hotel upgrades and a dedicated concierge service. Just make sure you can afford the price tag attached, an annual fee of £450.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 1 Membership Rewards point per £1 spent
  • 40,000 bonus Membership Rewards points after spending £6,000 in first 3 months
  • Access to 1,000+ airport lounges
  • Access to Platinum Business Service and dedicated concierge and travel team
  • Up to 99 supplementary cards for employees
  • 1 additional Membership Rewards Point per £1 spent through American Express Travel for flights, hotels and car hires
  • Travel Accident and Travel Inconvenience insurance
  • Purchase protection for up to £2,500 on items purchased on card and stolen or damaged within 90 days, plus refund protection up to £300

REPRESENTATIVE EXAMPLE

Not applicable. This is a charge card, so there's no credit offered.

what we like

  • 1 Membership Rewards point per £1 spent
  • 40,000 bonus Membership Rewards points after spending £6,000 in first 3 months
  • Access to 1,000+ airport lounges
  • ANNUAL FEE:

    £450
  • REPRESENTATIVE APR:

    N/A
  • INTRO OFFER:

    40,000 bonus Membership Rewards points (after spending £6,000 in first three months)

KEY SCORES:

  • 5/5 Perks
  • 1/5Fees
  • 5/5APR

HIGHLIGHTS

  • 1 Membership Rewards point per £1 spent
  • 40,000 bonus Membership Rewards points after spending £6,000 in first 3 months
  • Access to 1,000+ airport lounges
  • Access to Platinum Business Service and dedicated concierge and travel team
  • Up to 99 supplementary cards for employees
  • 1 additional Membership Rewards Point per £1 spent through American Express Travel for flights, hotels and car hires
  • Travel Accident and Travel Inconvenience insurance
  • Purchase protection for up to £2,500 on items purchased on card and stolen or damaged within 90 days, plus refund protection up to £300

REPRESENTATIVE EXAMPLE

Not applicable. This is a charge card, so there's no credit offered.

Great for: Earning rewards while charging business expenses
4 stars question mark

The American Express Gold Business Charge Card offers a fuller package than the basic charge card, with a payment period of up to 54 days on purchases, the Membership Rewards programme, travel insurance, purchase protection, and refund protection. However, you do have to pay for these benefits in the form of a £125 annual fee.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • Earn 1 Amex Membership Rewards point per £1 spent
  • 20,000 rewards points bonus (after spending £3,000 in first 3 months)
  • No annual fee for the first year
  • Up to 99 supplementary cards for employees
  • 1 additional Membership Rewards Point per £1 spent through American Express Travel for flights, hotels and car hires
  • Travel Accident and Travel Inconvenience insurance
  • Purchase protection for up to £2,500 on items purchased on card and stolen or damaged within 90 days

REPRESENTATIVE EXAMPLE

Not applicable. This is a charge card, so there's no credit offered.

what we like

  • Earn 1 Amex Membership Rewards point per £1 spent
  • 20,000 rewards points bonus (after spending £3,000 in first 3 months)
  • No annual fee for the first year
  • ANNUAL FEE:

    £125 (£0 in first year)
  • REPRESENTATIVE APR:

    N/A
  • INTRO OFFER:

    20,000 rewards points bonus (after spending £3,000 in first 3 months)
    £0 Annual Fee in First Year

KEY SCORES:

  • 3/5 Perks
  • 1/5Fees
  • 5/5APR

HIGHLIGHTS

  • Earn 1 Amex Membership Rewards point per £1 spent
  • 20,000 rewards points bonus (after spending £3,000 in first 3 months)
  • No annual fee for the first year
  • Up to 99 supplementary cards for employees
  • 1 additional Membership Rewards Point per £1 spent through American Express Travel for flights, hotels and car hires
  • Travel Accident and Travel Inconvenience insurance
  • Purchase protection for up to £2,500 on items purchased on card and stolen or damaged within 90 days

REPRESENTATIVE EXAMPLE

Not applicable. This is a charge card, so there's no credit offered.

Great for: Getting cashback for spending on your business
4 stars question mark

While the card does carry an annual fee of £30, it offers 1% cashback on all business spending, additional cards at no extra cost and no fees for foreign transactions. If you can resign yourself to the annual fee then you could be opening the door to enticing offer.

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CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 1% cashback on all business spend
  • No additional fee for extra cards
  • No foreign transaction fees

REPRESENTATIVE EXAMPLE

Representative 23.7% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £30

what we like

  • 1% cashback on all business spend
  • No additional fee for extra cards
  • No foreign transaction fees
  • ANNUAL FEE:

    £30
  • REPRESENTATIVE APR:

    23.7%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 3.5/5 Perks
  • 1/5Fees
  • 5/5APR

HIGHLIGHTS

  • 1% cashback on all business spend
  • No additional fee for extra cards
  • No foreign transaction fees

REPRESENTATIVE EXAMPLE

Representative 23.7% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £30
Great for: No-hassle business card
3 stars question mark
CAPITAL ON TAP BUSINESS CREDIT CARD

The Capital On Tap Business Credit Card has no sign-up, monthly or annual fees. Add to that no fees for non-sterling transactions or ATM withdrawals, and you are looking at a business card that is more about lending money than charging you for using it. The initial APR is relatively high (although the rate you receive will be based on your business profile), but the card does offer the chance to bring this down with good account management.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No annual fee
  • No non-sterling transaction fees
  • Access up to £50,000 in credit

REPRESENTATIVE EXAMPLE

Representative rate 39.4% APR (variable)

what we like

  • No annual fee
  • No non-sterling transaction fees
  • Access up to £50,000 in credit
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    39.4%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 2.5/5 Perks
  • 5/5Fees
  • 1/5APR

HIGHLIGHTS

  • No annual fee
  • No non-sterling transaction fees
  • Access up to £50,000 in credit

REPRESENTATIVE EXAMPLE

Representative rate 39.4% APR (variable)
Great for: Big points at M&S plus sign-up bonus
5 stars question mark
Apply Now!

On M&S Bank's Secure Website

For M&S shoppers, the M&S Reward Plus card may look like an outstanding option. Over the first year, users get 2 M&S points for every £1 spent at M&S, along with 1 point for every £5 spent elsewhere. You get a nice boost from the beginning too, as M&S will send you a 500-point voucher with the card, and another 2,000-point bonus just for using the card in the first 90 days.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 2 M&S points for every £1 spent at M&S in first year (1 points per £1 spent after that)
  • 1 M&S point for ever £5 spent elsewhere
  • 500 point M&S voucher (worth £5) sent with card
  • 2,000 point bonus if the card is used in the first 90 days
  • 0% interest for 6 months on purchases
  • 0% interest for 6 months on balances transferred in the first 90 days (2.9% fee applies)
  • No annual fee

REPRESENTATIVE EXAMPLE

Purchase rate p.a. 19.9% (variable)
Representative APR 19.9% (variable)
Assumed credit limit £1,200

what we like

  • Double M&S points for M&S shopping in first year (2 points per £1 spent)
  • 1 M&S point for ever £5 spent elsewhere
  • 0% interest for 6 months on purchases and balance transfers made in the first 90 days
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    Double points at M&S for first year
    2,000 bonus points for using card in first 90 days

KEY SCORES:

  • 5/5 Perks
  • 5/5Fees
  • 3/5APR

HIGHLIGHTS

  • 2 M&S points for every £1 spent at M&S in first year (1 points per £1 spent after that)
  • 1 M&S point for ever £5 spent elsewhere
  • 500 point M&S voucher (worth £5) sent with card
  • 2,000 point bonus if the card is used in the first 90 days
  • 0% interest for 6 months on purchases
  • 0% interest for 6 months on balances transferred in the first 90 days (2.9% fee applies)
  • No annual fee

REPRESENTATIVE EXAMPLE

Purchase rate p.a. 19.9% (variable)
Representative APR 19.9% (variable)
Assumed credit limit £1,200
Great for: Cashback for Asda shoppers
4 stars question mark

The Asda Cashback Credit Card is an interesting card that sets itself apart from the competition. Cardholders get 0.2% cashback for all of their shopping, and an even better 1% for shopping at Asda and online affiliates (like George.com). It’s important to note that the “cashback” is not true cash, but rather cashback vouchers to Asda. Tack on a balance transfer option and six months of 0% APR for large purchases at George.com and this is a compelling card to consider.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No annual fee
  • 0.2% cashback vouchers for Asda on all purchases
  • 1% cashback vouchers for Asda for spending at Asda and George.com
  • 0% on balance transfers for 12 months (3% balance transfer fee)
  • 0% APR for 6 months on purchases of £200 or more at George.com
  • 10% cashback vouchers for Asda when you buy certain Asda insurance products
  • In-store purchases of more than £300 in Travel Money are eligible for a £5 discount

REPRESENTATIVE EXAMPLE

Standard purchases 19.9% p.a. variable
Representative 19.9% APR variable
Based on assumed credit limit £1,200

what we like

  • 0.2% cashback vouchers for Asda on all purchases
  • 1% cashback vouchers for Asda for spending at Asda and George.com
  • 0% on balance transfers for 12 months (3% balance transfer fee)
  • 0% APR for 6 months on purchases of £200 at George.com
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    12 months 0% interest on balance transfers

KEY SCORES:

  • 3.5/5 Perks
  • 5/5Fees
  • 5/5APR

HIGHLIGHTS

  • No annual fee
  • 0.2% cashback vouchers for Asda on all purchases
  • 1% cashback vouchers for Asda for spending at Asda and George.com
  • 0% on balance transfers for 12 months (3% balance transfer fee)
  • 0% APR for 6 months on purchases of £200 or more at George.com
  • 10% cashback vouchers for Asda when you buy certain Asda insurance products
  • In-store purchases of more than £300 in Travel Money are eligible for a £5 discount

REPRESENTATIVE EXAMPLE

Standard purchases 19.9% p.a. variable
Representative 19.9% APR variable
Based on assumed credit limit £1,200
Great for: Really long balance transfer period
4.5 stars question mark
Apply Now!

On M&S Bank's Secure Website

The M&S Transfer Plus card gives you a very long 28 months of 0% interest on balances transferred in the first 90 days. Users will have to cough up a balance-transfer fee of 2.85% though. Balancing that out, the M&S Transfer Plus also offers 0% for 6 months on purchases and M&S rewards on all purchases.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 28 months on balances transferred in the first 90 days (2.85% fee applies)
  • 0% interest on purchases for 6 months
  • M&S rewards points at M&S and elsewhere

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Assumed credit limit £1,200

what we like

  • 0% interest for 28 months on balances transferred in the first 90 days (2.85% fee applies)
  • 0% interest on purchases for 6 months
  • M&S rewards points at M&S and elsewhere
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    0% on balance transfers for 28 months, available for 90 days from account opening
    0% on purchases for 6 months

KEY SCORES:

  • 4.5/5 Perks
  • 2.5/5Fees
  • 2.5/5APR

HIGHLIGHTS

  • 0% interest for 28 months on balances transferred in the first 90 days (2.85% fee applies)
  • 0% interest on purchases for 6 months
  • M&S rewards points at M&S and elsewhere

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Assumed credit limit £1,200
Great for: Easy, no-fee business charge card
2.5 stars question mark

The American Express Basic Business Charge Card is basic in name and basic in nature, but that doesn’t mean there’s nothing to like about it. With no costly annual fee and no preset spending limit, the card can ease your business cashflow without you shelling out to do so. It also offers a little breathing room with an up to 42-day payment period on purchases, plus up to 99 supplementary cardmembers.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No annual fee
  • Up to 99 additional cardholders
  • No pre-set spending limit

REPRESENTATIVE EXAMPLE

Not applicable. This is a charge card, so there's no credit offered.

what we like

  • No annual fee
  • Up to 99 additional cardholders
  • No pre-set spending limit
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    N/A
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1/5 Perks
  • 5/5Fees
  • 5/5APR

HIGHLIGHTS

  • No annual fee
  • Up to 99 additional cardholders
  • No pre-set spending limit

REPRESENTATIVE EXAMPLE

Not applicable. This is a charge card, so there's no credit offered.

Great for: Everyday cash back with no fee
5 stars question mark

Cashback rewards are hard to come by these days, but if that’s what you’re looking for, the American Express Cashback Everyday Card may be a good bet. The standard cashback yield is 0.5%, but for those that spend more than £5,000, that bumps up to 1%. New cardholders also get a bonus of 5% cashback over the first three months, which maxes out at £100. Its sister card offers a bigger welcome bonus and higher cashback, but the Everyday Card has the advantage of no fee.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 5% cashback for first 3 months (up to £100)
  • 0.5% cashback after first 3 months
  • Up to 1% cashback after first 3 months with spending above £5,000

REPRESENTATIVE EXAMPLE

Representative APR 22.9% APR variable
Annual fee Based on £0
Credit Limit Assumed credit limit of £1,200
Purchase Rate 22.9% variable for purchases

what we like

  • 5% cashback for first 3 months (up to £100)
  • 0.5% cashback after first 3 months
  • Up to 1% cashback after first 3 months with spending above £5,000
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.9%
  • INTRO OFFER:

    5% cashback for first 3 months (up to £100)

KEY SCORES:

  • 4/5 Perks
  • 5/5Fees
  • 3/5APR

HIGHLIGHTS

  • 5% cashback for first 3 months (up to £100)
  • 0.5% cashback after first 3 months
  • Up to 1% cashback after first 3 months with spending above £5,000

REPRESENTATIVE EXAMPLE

Representative APR 22.9% APR variable
Annual fee Based on £0
Credit Limit Assumed credit limit of £1,200
Purchase Rate 22.9% variable for purchases
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