Coronavirus - Get the latest updates and resources from MyWalletHero - Find out more.
Advertiser Disclosure

All Credit Card Offers

Updated: 4th May 2020

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: Collecting rewards
5 stars question mark

The Virgin Atlantic Reward Credit Card provides the opportunity to earn and spend rewards through Virgin Atlantic as well as a variety of the company’s partners. Cardholders get 0.75 Flying Club miles for every £1 spent on the card. The card’s balance transfer and money transfer offer help to differentiate it from rivals (though note the 3% transfer fee), while a 5,000-mile bonus reward offer for new customers could help to increase its relative appeal.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 0.75 Flying Club miles for every £1 spent on the card
  • 1.5 miles for every £1 spent with Virgin Atlantic or Virgin Holidays
  • 5,000 bonus miles after completing one purchase within the first 90 days
  • No annual fee
  • After £20,000 in annual spend, option to choose an upgrade to Premium or get a Companion ticket
  • No non-sterling transaction fee through 30 November 2019

REPRESENTATIVE EXAMPLE

Representative rate 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 0.75 Flying Club miles for every £1 spent on the card
  • 5,000 bonus miles after completing one purchase within the first 90 days
  • 0% interest for 6 months on balance and money transfers (3% fee applies)
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.9%
  • INTRO OFFER:

    5,000 Flying Club miles with one purchase within 90 days
    6 months 0% interest on balance and money transfers

KEY SCORES:

  • 5/5 Perks
  • 3/5Fees
  • 2/5APR

HIGHLIGHTS

  • 0.75 Flying Club miles for every £1 spent on the card
  • 1.5 miles for every £1 spent with Virgin Atlantic or Virgin Holidays
  • 5,000 bonus miles after completing one purchase within the first 90 days
  • No annual fee
  • After £20,000 in annual spend, option to choose an upgrade to Premium or get a Companion ticket
  • No non-sterling transaction fee through 30 November 2019

REPRESENTATIVE EXAMPLE

Representative rate 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Based on borrowing £1,200
Great for: Collecting Avios and On Business Points
5 stars question mark
Apply Now!

On American Express's Secure Website

* Affiliate partner

This card offers reward points – and lots of them! With it, you gain access to the On Business Points reward scheme and the Avios rewards scheme. The card allows you to earn points at an accelerated rate: 1.5 On Business Points for every eligible £1 spent and 1.5 Avios for every eligible £1 spent. On top of that, American Express is offering a welcome award of 2,200 On Business Points if you are approved and spend £3,000 in the first six months of card membership. Do note that these benefits don’t come for free. The card carries an annual fee of £210.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 2,200 On Business Points when you spend £3,000 in the first 6 months (subject to approval)
  • 1.5 On Business Points for every £1 of eligible spend
  • 1.5 Avios for every £1 of eligible spend
  • No cap on points earned
  • Travel accident and travel inconvenience insurance (subject to enrolment)
  • Refund and purchase protection

REPRESENTATIVE EXAMPLE

Representative APR 80.3% APR variable
Annual fee £210
Credit Limit Assumed credit limit of £1,200
Purchase Rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 2,200 On Business Points when you spend £3,000 in the first 6 months (subject to approval)
  • 1.5 On Business Points for every £1 of eligible spend
  • 1.5 Avios for every £1 of eligible spend
  • No cap on points earned
  • ANNUAL FEE:

    £210
  • REPRESENTATIVE APR:

    80.3%
  • INTRO OFFER:

    2,200 On Business Points if you spend £3,000 in the first 6 months (subject to approval)

KEY SCORES:

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

HIGHLIGHTS

  • 2,200 On Business Points when you spend £3,000 in the first 6 months (subject to approval)
  • 1.5 On Business Points for every £1 of eligible spend
  • 1.5 Avios for every £1 of eligible spend
  • No cap on points earned
  • Travel accident and travel inconvenience insurance (subject to enrolment)
  • Refund and purchase protection

REPRESENTATIVE EXAMPLE

Representative APR 80.3% APR variable
Annual fee £210
Credit Limit Assumed credit limit of £1,200
Purchase Rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

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

On American Express's Secure Website

* Affiliate partner

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 six 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.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 5% cashback for first 6 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 22.2% APR variable
Annual fee Based on £0
Credit Limit Assumed credit limit of £1,200
Purchase Rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 5% cashback for first 6 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:

    22.2%
  • INTRO OFFER:

    5% cashback for first 6 months (up to £100)

KEY SCORES:

  • 4/5 Perks
  • 5/5Fees
  • 3.5/5APR

HIGHLIGHTS

  • 5% cashback for first 6 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 22.2% APR variable
Annual fee Based on £0
Credit Limit Assumed credit limit of £1,200
Purchase Rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Avoiding fees while traveling
4.5 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:

  • 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:

  • 3/5 Perks
  • 5/5Fees
  • 4/5APR

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: Balance transfers with no fee
4.5 stars question mark

There’s a lot to like with the Sainsbury’s Bank balance transfer card. Cardholders get 16 months of 0% interest on balance transfers along with fee-free balance transfers over the first three months. In addition, cardholders can also take advantage of 0% interest on purchases over the first three months. And like other Sainsbury’s cards, users get perks in the form of Nectar points.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 0% interest on balance transfers for the first 16 months
  • No fee on balance transfers made in the first 3 months
  • 0% interest on purchases for the first 3 months
  • Up to 7,500 bonus Nectar points in 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 balance transfers for the first 16 months
  • No fee on balance transfers made in the first 3 months
  • 0% interest on purchases for the first 3 months
  • Up to 7,500 bonus Nectar points in first 2 months
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    20.9%
  • INTRO OFFER:

    0% on balance transfers for 16 months
    0% on purchases for 3 months

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest on balance transfers for the first 16 months
  • No fee on balance transfers made in the first 3 months
  • 0% interest on purchases for the first 3 months
  • Up to 7,500 bonus Nectar points in 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
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:

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

HIGHLIGHTS

  • 0% interest on purchases made over the first 20 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 20 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:

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

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest on purchases made over the first 20 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
Great for: Long 0% interest on purchases and rewards
4.5 stars question mark

Tesco Bank’s Purchases Card is a solid choice if you’re looking for a long period for 0% interest on your spending, as 20 months stacks up well with competitors. The card gets even better if you’re a Tesco customer, since it’ll help you rack up Tesco points. You’ll get 1 Clubcard point for every £4 you spend at Tesco and 1 Clubcard point for every £8 that you spend elsewhere.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 0% interest on purchases made over the first 20 months
  • 1 Clubcard point per £4 spent in Tesco and for every £8 spent elsewhere

REPRESENTATIVE EXAMPLE

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

what we like

  • 0% interest on purchases made over the first 20 months
  • 1 Clubcard point per £4 spent in Tesco and for every £8 spent elsewhere
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    0% purchases for 20 months

KEY SCORES:

  • 3/5 Perks
  • 3/5Fees
  • 4/5APR

HIGHLIGHTS

  • 0% interest on purchases made over the first 20 months
  • 1 Clubcard point per £4 spent in Tesco and for every £8 spent elsewhere

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Interest rate on purchases 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

* Affiliate partner

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 £595.

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 6 months
  • Access to 1,200+ 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.

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

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

    £595
  • REPRESENTATIVE APR:

    N/A
  • INTRO OFFER:

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

KEY SCORES:

  • 5/5 Perks
  • 1/5Fees
  • N/AAPR

HIGHLIGHTS

  • 1 Membership Rewards point per £1 spent
  • 40,000 bonus Membership Rewards points after spending £6,000 in first 6 months
  • Access to 1,200+ 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.

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Long 0% interest on purchases and balance transfers
4.5 stars question mark
Virgin Money Credit Card

The Virgin Money All Round Credit Card could help you to reduce interest payments on existing debt. It also stacks up well versus other 0% APR credit cards, since it offers a 20-month introductory 0% interest rate on purchases. Its range of rewards and offers could make it appealing to a broad range of consumers.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 0% interest for 20 months on purchases
  • 0% interest for 23 months on balance transfers (2.9% fee applies)
  • No annual fee
  • Discounts from Virgin Group companies when using your card
  • Access to Virgin Money Back for online shopping

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 0% interest for 20 months on purchases
  • 0% interest for 23 months on balance transfers (2.9% fee applies)
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

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

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest for 20 months on purchases
  • 0% interest for 23 months on balance transfers (2.9% fee applies)
  • No annual fee
  • Discounts from Virgin Group companies when using your card
  • Access to Virgin Money Back for online shopping

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on borrowing £1,200
Great for: Attractive rewards with no annual fee
4.5 stars question mark
Apply Now!

On American Express's Secure Website

* Affiliate partner

The American Express Rewards Credit Card gives you access to a popular reward scheme and leaves out the price tag. With no annual fee, you can immediately start feeling the benefit of one Membership Rewards point for every £1 you spend. The real selling point is for new cardmembers, who, if eligible, could earn themselves a windfall of 5,000 bonus points if they spend £2,000 in the first six months. And did we mention no annual fee?

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 1 Membership Rewards Point per £1 spent
  • 5,000 bonus Membership Rewards Points when you spend £2,000 in first six months (subject to eligibility)
  • No annual fee
  • Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment)
  • Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment)
  • Travel accident insurance up to £150,000 (subject to enrolment), plus 24/7 access emergency assistance

REPRESENTATIVE EXAMPLE

Representative 22.2% APR variable
Purchase rate 22.2% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee No annual fee

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 1 Membership Rewards Point per £1 spent
  • 5,000 bonus Membership Rewards Points when you spend £2,000 in first six months (subject to eligibility)
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.2%
  • INTRO OFFER:

    5,000 Membership points if you spend £2,000 in the first six months (subject to eligibility)

KEY SCORES:

  • 4.5/5 Perks
  • 4.5/5Fees
  • 3.5/5APR

HIGHLIGHTS

  • 1 Membership Rewards Point per £1 spent
  • 5,000 bonus Membership Rewards Points when you spend £2,000 in first six months (subject to eligibility)
  • No annual fee
  • Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment)
  • Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment)
  • Travel accident insurance up to £150,000 (subject to enrolment), plus 24/7 access emergency assistance

REPRESENTATIVE EXAMPLE

Representative 22.2% APR variable
Purchase rate 22.2% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee No annual fee

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.