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.

Great for: Really long balance transfer period
5 stars question mark

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, but at 0.99%, it’s lower than most BT fees. 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:

Good/Excellent

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

HIGHLIGHTS

  • 0% interest for 28 months on balance transfers (0.99% 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 balance transfers (0.99% 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:

  • 5/5 Perks
  • 4/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest for 28 months on balance transfers (0.99% 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: No foreign transaction fees plus 0% interest offers
3.5 stars question mark

This card charges no fees for overseas use, so making spending abroad more affordable, plus it offers 12-month interest-free introductory periods for purchases and balance transfers, so that you can pay for your holiday in the first place. Add to that travel discounts for Virgin Holidays and the offer of cashback on travel insurance, and you have a good all-round travel package.

Read full review >

CREDIT RATING req:

Good/Excellent

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

HIGHLIGHTS

  • No foreign transaction fees
  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • No foreign transaction fees
  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    12 months 0% interest on balance transfers and purchases

KEY SCORES:

  • 2/5 Perks
  • 5/5Fees
  • 1/5APR

HIGHLIGHTS

  • No foreign transaction fees
  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Based on borrowing £1,200
Great for: Long 0% purchase and balance transfer, plus points
5 stars question mark

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 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:

Good/Excellent

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

HIGHLIGHTS

  • 0% interest on purchases for the first 20 months
  • 0% interest on balance transfers for the first 20 months (2.9% fee applies)
  • Earn M&S points for shopping 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 on purchases for the first 20 months
  • 0% interest on balance transfers for the first 20 months (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 on balance transfers for the first 20 months (2.9% fee applies)
  • Earn M&S points for shopping 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: Really long balance transfer period
4 stars question mark

Take a look around and you’ll see balance-transfer offers declining. That makes the 32 months on HSBC’s Balance Transfer Card more impressive. There is a balance-transfer fee, but at 1.4%, it’s lower than the typical BT fee. And right now HSBC is offering £25 cashback on balance transfers of £300.

Read full review >

CREDIT RATING req:

Good/Excellent

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

HIGHLIGHTS

  • 0% interest for 32 months on balance transfers made in first 90 days (1.4% fee applies)
  • 0% interest on purchases for the first 3 months
  • Limited time: £25 cashback on balance transfers of £300

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on an assumed credit limit of £1,200

what we like

  • 0% interest for 32 months on balance transfers made in first 90 days (1.4% fee applies)
  • 0% interest on purchases for the first 3 months
  • Limited time: £25 cashback on balance transfers of £300
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.90%
  • INTRO OFFER:

    £25 cashback on balance transfer of £300

KEY SCORES:

  • 5/5 Perks
  • 4/5Fees
  • 1/5APR

HIGHLIGHTS

  • 0% interest for 32 months on balance transfers made in first 90 days (1.4% fee applies)
  • 0% interest on purchases for the first 3 months
  • Limited time: £25 cashback on balance transfers of £300

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on an assumed credit limit of £1,200
Great for: Lowering your APR while building credit
3.5 stars question mark

The aqua advance Card includes many of the features that make other aqua cards great for those looking to build or re-build credit. As an added bonus though, users of the Advance Card that stay on time with their payments will see their APR go down by 5% per year. Over time, this could bring the APR down to 19.9%.

Read full review >

CREDIT RATING req:

Poor/No credit

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

HIGHLIGHTS

  • Stay on time with payments and APR reduces 5% per year
  • Keeping on time with payments could reduce APR to 19.9%
  • Free aqua credit checker
  • No annual fee

REPRESENTATIVE EXAMPLE

Interest rate for purchases 34.95% p.a. variable
Representative rate 34.9% APR variable
Based on borrowing £1,200 over 12 months

what we like

  • Stay on time with payments and APR reduces 5% per year
  • Keeping on time with payments could reduce APR to 19.9%
  • Free aqua credit checker
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    34.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 3/5 Perks
  • 5/5Fees
  • 3/5APR

HIGHLIGHTS

  • Stay on time with payments and APR reduces 5% per year
  • Keeping on time with payments could reduce APR to 19.9%
  • Free aqua credit checker
  • No annual fee

REPRESENTATIVE EXAMPLE

Interest rate for purchases 34.95% p.a. variable
Representative rate 34.9% APR variable
Based on borrowing £1,200 over 12 months
Great for: Avoiding fees while traveling
3 stars question mark

You can use the Santander Zero Credit Card abroad and not worry about being charged fees. It offers the double benefit of no foreign transaction fee and no cash withdrawal fee both in the UK and abroad, making holiday spending with the card easy and relaxed.

Read full review >

CREDIT RATING req:

Good/Excellent

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

HIGHLIGHTS

  • No foreign transaction fees
  • No cash withdrawal fees
  • Up to 3 additional cardholders

REPRESENTATIVE EXAMPLE

Representative 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £1,200
Monthly fee £0

what we like

  • No foreign transaction fees
  • No cash withdrawal fees
  • Up to 3 additional cardholders
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    18.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1/5 Perks
  • 5/5Fees
  • 1/5APR

HIGHLIGHTS

  • No foreign transaction fees
  • No cash withdrawal fees
  • Up to 3 additional cardholders

REPRESENTATIVE EXAMPLE

Representative 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £1,200
Monthly fee £0
Great for: Building credit
2.5 stars question mark

The aqua Classic credit card is one of the more straightforward credit cards for bad credit, open to those with a bad credit history, money problems in the past or on low incomes, as well as the self-employed. Maximum initial credit limit is £1,200, although if you handle your card sensibly aqua may increase this pretty quickly. Extra features can also help you understand your credit score, and make every monthly payment.

Read full review >

CREDIT RATING req:

Poor/No credit

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

HIGHLIGHTS

  • No annual fee
  • Text reminders to remind on payments

REPRESENTATIVE EXAMPLE

Your interest rate for purchases is 35.95% p.a. variable
With a representative 35.9% APR variable
If you borrowed (over 12 months) £1,200

what we like

  • No annual fee
  • Text reminders to remind on payments
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    35.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1/5 Perks
  • 5/5Fees
  • 3/5APR

HIGHLIGHTS

  • No annual fee
  • Text reminders to remind on payments

REPRESENTATIVE EXAMPLE

Your interest rate for purchases is 35.95% p.a. variable
With a representative 35.9% APR variable
If you borrowed (over 12 months) £1,200
Great for: Just starting to build or re-build credit
2.5 stars question mark

Let’s face it, when you’re just starting to build or re-build credit, getting approved for a credit card can be tough. The Marbles Credit Card doesn’t come with a lot of bells and whistles. And the APRs start high and can be higher for some applicants. But, it can be an opportunity to show good credit behaviour and build to other cards.

Read full review >

CREDIT RATING req:

Poor/No credit

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

HIGHLIGHTS

  • No annual fee
  • Online eligibility checker
  • Spending alerts to help avoid missteps

REPRESENTATIVE EXAMPLE

Representative rate 34.9% APR (variable)

The APR applicable to your account will depend on assessment of your application.

what we like

  • No annual fee
  • Online eligibility checker
  • Spending alerts to help avoid missteps
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    34.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1/5 Perks
  • 5/5Fees
  • 3/5APR

HIGHLIGHTS

  • No annual fee
  • Online eligibility checker
  • Spending alerts to help avoid missteps

REPRESENTATIVE EXAMPLE

Representative rate 34.9% APR (variable)

The APR applicable to your account will depend on assessment of your application.

Great for: Building credit and traveling
4.5 stars question mark

It can be tough to find a great card offer when you’re building or re-building your credit. The Tandem Journey Credit Card may be worth a look, as it offers more than most. For starters, the APR on the Journey card is very attractive compared to the competition. There’s no annual fee on the card, and, even better, you’ll pay no extra fees on foreign spending if you travel. And, of course, responsible use of the card could lead to improvements in your credit score.

Read full review >

CREDIT RATING req:

Poor/No credit

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

HIGHLIGHTS

  • Potential to build credit over time
  • No foreign transaction fees
  • No annual fee

REPRESENTATIVE EXAMPLE

Annual purchase rate (variable) 24.9%
Representative APR (variable) 24.9%
Based on an assumed credit limit of £1,200

You may be offered a different credit limit or APR to that shown here as it depends on your individual circumstances. Subject to eligibility and credit assessment.

what we like

  • Potential to build credit over time
  • No foreign transaction fees
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    24.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 3/5 Perks
  • 5/5Fees
  • 5/5APR

HIGHLIGHTS

  • Potential to build credit over time
  • No foreign transaction fees
  • No annual fee

REPRESENTATIVE EXAMPLE

Annual purchase rate (variable) 24.9%
Representative APR (variable) 24.9%
Based on an assumed credit limit of £1,200

You may be offered a different credit limit or APR to that shown here as it depends on your individual circumstances. Subject to eligibility and credit assessment.

Great for: Long 0% interest on purchases and rewards
4.5 stars question mark

The Sainsbury’s Purchase Credit Card is a solid option for those looking for a long introductory 0% period for purchases. The card does have a balance transfer offer as well, giving users 0% interest on balances transferred from other cards. However this is only three months and carries a 3% fee.

Read full review >

CREDIT RATING req:

Good/Excellent

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

HIGHLIGHTS

  • 0% interest on purchases made over the first 27 months
  • 0% interest on balance transfers for the first 3 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over first 2 months

REPRESENTATIVE EXAMPLE

Purchase rate is 20.95% p.a. variable
With a representative 20.9% APR variable
Assumed credit limit £1,200

what we like

  • 0% interest on purchases made over the first 27 months
  • 0% interest on balance transfers for the first 3 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over first 2 months
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    20.9%
  • INTRO OFFER:

    27 months 0% interest on purchases
    Up to 7,500 bonus Nectar points over first 2 months

KEY SCORES:

  • 4/5 Perks
  • 5/5Fees
  • 1/5APR

HIGHLIGHTS

  • 0% interest on purchases made over the first 27 months
  • 0% interest on balance transfers for the first 3 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over first 2 months

REPRESENTATIVE EXAMPLE

Purchase rate is 20.95% p.a. variable
With a representative 20.9% APR variable
Assumed credit limit £1,200
Advertiser Disclosure