Great for: Building or rebuilding credit
3 stars question mark
Apply Now!

On icount's Secure Website

This card sells itself on its availability to all. It offers guaranteed approval for verified applicants and a credit rebuilder programme (only under the monthly fee option) which could improve your credit score and open up other financial opportunities. There are two payment tiers: a monthly fee of £9.95 or a pay as you go option of 2.5% per transaction. With easy account management and a mobile app, it all adds up to a fully supportive package.

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CREDIT RATING req:

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

HIGHLIGHTS

  • Available regardless of your credit rating
  • Creditbuilder option could help you improve your credit score
  • Multiple fee-free options to top up the card

REPRESENTATIVE EXAMPLE

Not applicable. This is not a credit product.

*Refers to the £9.95 monthly payment option.

what we like

  • Available regardless of your credit rating
  • Creditbuilder option could help you improve your credit score
  • Multiple fee-free options to top up the card, including bank transfer, salary/wages transfer, UK Post Office (up to £1,000/mo)
  • Purchase protection for purchases made with the card
  • ANNUAL FEE:

    £119.40*
  • REPRESENTATIVE APR:

    N/A
  • INTRO OFFER:

KEY SCORES:

  • 5/5 Perks
  • 2.5/5Fees
  • N/AAPR

HIGHLIGHTS

  • Available regardless of your credit rating
  • Creditbuilder option could help you improve your credit score
  • Multiple fee-free options to top up the card

REPRESENTATIVE EXAMPLE

Not applicable. This is not a credit product.

*Refers to the £9.95 monthly payment option.

Great for: Simple, low-cost prepaid card
4 stars question mark

This card is transparent in its pricing, with its regular monthly cost of 99p. For this fee, you have the ability to pay in your wages and benefits, make card purchases in store and online wherever Mastercard is accepted, and access the Pockit app. Keeping it simple, there is a cost of 99p for other services too, such as paying with cash or making UK ATM withdrawals. Extras, such as up to three additional cardholders and cashback on qualifying purchases, help to sweeten the deal.

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CREDIT RATING req:

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

HIGHLIGHTS

  • Available regardless of your credit rating
  • Up to three additional cards
  • Up to 10% cashback with Pockit partners
  • Multiple fee-free options to top up the card, including bank transfer and salary/wages transfer

REPRESENTATIVE EXAMPLE

Not applicable. This is not a credit product.

what we like

  • Available regardless of your credit rating
  • Up to three additional cards
  • Up to 10% cashback with Pockit partners
  • ANNUAL FEE:

    £11.88
  • REPRESENTATIVE APR:

    N/A
  • INTRO OFFER:

KEY SCORES:

  • 3/5 Perks
  • 4/5Fees
  • N/AAPR

HIGHLIGHTS

  • Available regardless of your credit rating
  • Up to three additional cards
  • Up to 10% cashback with Pockit partners
  • Multiple fee-free options to top up the card, including bank transfer and salary/wages transfer

REPRESENTATIVE EXAMPLE

Not applicable. This is not a credit product.

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

On American Express's Secure Website

Cashback rewards are hard to come by these days, but if that’s what you’re looking for, the American Express Cashback Everyday Credit Card may be a good bet. The standard cashback yield is 0.5%, but for those that spend more than £5,001, 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 Credit Card has the advantage of no fee.

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CREDIT RATING req:

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

HIGHLIGHTS

  • 5% cashback for first 3 months (up to £100, subject to eligibility)
  • 0.5% cashback after first 3 months (if you spend £1 to £5,000)
  • 1% cashback after first 3 months with spending above £5,001
  • Note that you must spend at least £3,000 to earn any cashback
  • No annual fee
  • No cap on cashback earned
  • Travel accident insurance (subject to enrolment) and global assist services
  • Access to special offers from American Express offers

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, subject to eligibility)
  • 0.5% - 1% cashback after first 3 months, depending on spend
  • No annual fee
  • No cap on cashback earned
  • 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
  • 2.5/5APR

HIGHLIGHTS

  • 5% cashback for first 3 months (up to £100, subject to eligibility)
  • 0.5% cashback after first 3 months (if you spend £1 to £5,000)
  • 1% cashback after first 3 months with spending above £5,001
  • Note that you must spend at least £3,000 to earn any cashback
  • No annual fee
  • No cap on cashback earned
  • Travel accident insurance (subject to enrolment) and global assist services
  • Access to special offers from American Express offers

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
Great for: Earning rewards, low interest rate
5 stars question mark
Apply Now!

On American Express's Secure Website

This card offers the enticing combination of a competitively low APR alongside reward points. The APR sits among the lowest available on the market, and then there is the added bonus of access to the American Express Membership Rewards programme. The deal is further sweetened for new cardmembers with a welcome award of 2,500 points (subject to minimum spend and eligibility), giving them a much appreciated boost to starting to earn rewards. This all comes with no annual fee attached.

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CREDIT RATING req:

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

HIGHLIGHTS

  • Welcome award of 2,500 points subject to eligibility and minimum spend of £1,000 in first three months
  • Low APR
  • 1 Membership Rewards point for every full £1 spent
  • No annual fee
  • Travel accident insurance up to £150,000 (subject to enrolment)
  • Further array of American Express services including Purchase Protection (subject to enrolment) and American Express Experiences

REPRESENTATIVE EXAMPLE

Representative 9.9% APR (variable)
Purchase rate 9.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £0

what we like

  • Welcome award of 2,500 points (subject to eligibility and qualifying spend)
  • Low APR
  • 1 Membership Rewards point for every full £1 spent
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    9.9%
  • INTRO OFFER:

    2,500 Membership points if you spend £1,000 in the first 3 months (subject to eligibility)

KEY SCORES:

  • 5/5 Perks
  • 3/5Fees
  • 5/5APR

HIGHLIGHTS

  • Welcome award of 2,500 points subject to eligibility and minimum spend of £1,000 in first three months
  • Low APR
  • 1 Membership Rewards point for every full £1 spent
  • No annual fee
  • Travel accident insurance up to £150,000 (subject to enrolment)
  • Further array of American Express services including Purchase Protection (subject to enrolment) and American Express Experiences

REPRESENTATIVE EXAMPLE

Representative 9.9% APR (variable)
Purchase rate 9.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £0
Great for: 0% Purchases and Rewards
5 stars question mark
Apply Now!

On American Express's Secure Website

While it may not have the longest interest-free period available, this card does offer 18 months at 0% on purchases for new cardmembers (subject to eligibility). This is in addition to American Express perks such as the Membership Rewards scheme and fraud protection. All this with the bonus of no annual fee and no qualifying spend, meaning you can really make your money work for you with this card.

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CREDIT RATING req:

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

HIGHLIGHTS

  • One Membership Rewards point per £1 spent
  • 0% on purchases for 18 months (subject to eligibility)
  • No annual fee
  • Travel accident insurance up to £150,000 (subject to enrolment)
  • Purchase protection for up to £2,500 on items purchased on the card and stolen or damaged within 90 days, plus refund protection up to £200

REPRESENTATIVE EXAMPLE

Representative 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £0

what we like

  • One Membership Rewards point per £1 spent
  • 0% on purchases for 18 months (subject to eligibility)
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.9%
  • INTRO OFFER:

    0% on purchases for 18 months (subject to eligibility)

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 2/5APR

HIGHLIGHTS

  • One Membership Rewards point per £1 spent
  • 0% on purchases for 18 months (subject to eligibility)
  • No annual fee
  • Travel accident insurance up to £150,000 (subject to enrolment)
  • Purchase protection for up to £2,500 on items purchased on the card and stolen or damaged within 90 days, plus refund protection up to £200

REPRESENTATIVE EXAMPLE

Representative 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £0
Great for: Long 0% purchase and balance transfer, plus points
4.5 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.

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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:

  • 4/5 Perks
  • 3/5Fees
  • 4/5APR

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: 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.

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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: 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.

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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: Premium charge card experience
4.5 stars question mark
Apply Now!

On American Express's Secure Website

If you can get your head around spending £575 a year on a payment card, then you stand to benefit from all that The Platinum Card can offer. This high-end experience from American Express includes access to 1,200 airport lounges worldwide, comprehensive travel insurance for you and your family (subject to enrolment), hotels benefits, Membership Rewards points and a platinum concierge service. Note that this is a charge card, not a credit card, so you have to pay down your balance in full each month.

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CREDIT RATING req:

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

HIGHLIGHTS

  • Welcome award of 30,000 points after spending £4,000 in the first three months (subject to eligibility)
  • Complimentary airport lounge access at more than 1,200 lounges around the world
  • Comprehensive worldwide travel insurance for you, your family and supplementary cardmembers (subject to enrolment)
  • Hotel, car rental and taxi hire benefits
  • Access to the Platinum Concierge service
  • Special dining benefits through the Global Dining Collection
  • 1 Membership Rewards point for each £1 spent

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
  • 30,000 bonus Membership Rewards Points when you spend £4,000 in first three months (subject to eligibility)
  • Complimentary airport lounge access at more than 1,200 lounges around the world
  • ANNUAL FEE:

    £575
  • REPRESENTATIVE APR:

    N/A
  • INTRO OFFER:

    30,000 Membership Reward points if you spend £4,000 in the first three months (subject to eligibility)

KEY SCORES:

  • 5/5 Perks
  • 1/5Fees
  • N/AAPR

HIGHLIGHTS

  • Welcome award of 30,000 points after spending £4,000 in the first three months (subject to eligibility)
  • Complimentary airport lounge access at more than 1,200 lounges around the world
  • Comprehensive worldwide travel insurance for you, your family and supplementary cardmembers (subject to enrolment)
  • Hotel, car rental and taxi hire benefits
  • Access to the Platinum Concierge service
  • Special dining benefits through the Global Dining Collection
  • 1 Membership Rewards point for each £1 spent

REPRESENTATIVE EXAMPLE

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

Great for: Low standard APR
2 stars question mark

The Bank of Scotland Low Rate Credit Card offers a competitive interest rate on purchases and balance transfers over the long run. It is possible to obtain credit cards with 0% interest rates for an introductory period, but following this, their interest rates can often be relatively uncompetitive. Therefore, for consumers who do not intend to repay their balance over the next couple of years, the Bank of Scotland Low Rate card could be appealing.

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CREDIT RATING req:

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

HIGHLIGHTS

  • Low standard APR
  • No annual fee
  • 0% balance transfer fee for the first 90 days

REPRESENTATIVE EXAMPLE

Representative rate 6.4% APR (variable)
Purchase rate 6.45% p.a. (variable)
Based on borrowing £1,200

what we like

  • Low standard APR
  • No annual fee
  • 0% balance transfer fee for the first 90 days
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    6.4%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1/5 Perks
  • 3/5Fees
  • 5/5APR

HIGHLIGHTS

  • Low standard APR
  • No annual fee
  • 0% balance transfer fee for the first 90 days

REPRESENTATIVE EXAMPLE

Representative rate 6.4% APR (variable)
Purchase rate 6.45% p.a. (variable)
Based on borrowing £1,200
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