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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: Spending abroad with no extra fees
5 stars question mark

This card securely places itself among the top prepaid cards for currency exchange. Not only can you use the card to spend in 150 currencies, you can also transfer money in 29 currencies – and all at the interbank exchange rate (a flat mark-up at weekends and for certain currencies may apply). Add to that a supportive mobile app, easy application process and fee-free ATM withdrawals up to £200, and you have a competitive multi-currency prepaid card package.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • Available regardless of your credit rating
  • Spend in 150 currencies at the interbank exchange rate (a mark-up may apply at weekends and for certain currencies)
  • Money transfers in 29 currencies at the interbank exchange rate (a mark-up may apply at weekends and for certain currencies)
  • Standard option carries no monthly fee

REPRESENTATIVE EXAMPLE

Not applicable. This is not a credit product.

what we like

  • Available regardless of your credit rating
  • Spend in 150 currencies at the interbank exchange rate (a mark-up may apply at weekends and for certain currencies)
  • Money transfers in 29 currencies at the interbank exchange rate (a mark-up may apply at weekends and for certain currencies)
  • Standard option carries no monthly fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    N/A
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 2/5 Perks
  • 5/5Fees
  • N/AAPR

HIGHLIGHTS

  • Available regardless of your credit rating
  • Spend in 150 currencies at the interbank exchange rate (a mark-up may apply at weekends and for certain currencies)
  • Money transfers in 29 currencies at the interbank exchange rate (a mark-up may apply at weekends and for certain currencies)
  • Standard option carries no monthly fee

REPRESENTATIVE EXAMPLE

Not applicable. This is not a credit product.

Great for: Teaching children good money habits
4.5 stars question mark

This card is designed to support parents and children alike. It’s main benefits are built-in features which will help parents keep control of the account, such as real-time spend notifications, the ability to freeze and unfreeze the account and to decide whether the card can be used in store, online or at an ATM. Meanwhile, children can choose whether to save their money or unlock further funds by completing set tasks. The first month is free, but after that the card carries a £2.99 monthly fee.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • Available regardless of your credit rating
  • Parent account with up to four child accounts
  • Online and mobile app managament
  • One free monthly fund upload

REPRESENTATIVE EXAMPLE

Not applicable. This is not a credit product.

what we like

  • Available regardless of your credit rating
  • Parent account with up to four child accounts
  • Online and mobile app managament
  • One free monthly fund upload
  • ANNUAL FEE:

    £35.88
  • REPRESENTATIVE APR:

    N/A
  • INTRO OFFER:

KEY SCORES:

  • 3/5 Perks
  • 4.5/5Fees
  • N/AAPR

HIGHLIGHTS

  • Available regardless of your credit rating
  • Parent account with up to four child accounts
  • Online and mobile app managament
  • One free monthly fund upload

REPRESENTATIVE EXAMPLE

Not applicable. This is not a credit product.

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.

Read full review >

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: 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: Long 0% purchase and balance transfer, plus points
4.5 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 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

* 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

  • 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

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

On American Express's Secure Website

* Affiliate partner

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.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • Welcome award of 30,000 points after spending £4,000 in the first six 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.

* 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
  • 30,000 bonus Membership Rewards Points when you spend £4,000 in first six 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 six 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 six 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.

* 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: Really long balance transfer period
4.5 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 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

* 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

  • 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

* 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: Big points at M&S plus sign-up bonus
4 stars question mark

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

* 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

  • 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:

  • 2/5 Perks
  • 3/5Fees
  • 4/5APR

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

* 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: Low APR and no foreign transaction fees
4 stars question mark

Where the NatWest Credit Card excels is being that solid, take-everywhere card. With a low standard APR and no foreign transaction fees, this card can find a place in many peoples’ wallets. However, if you’re looking for rewards, cashback or a sign-up bonus, you’ll have to look elsewhere.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • Low APR of 9.9% for qualified applicants
  • No fees on foreign transactions
  • No balance-transfer fees
  • Even lower balance-transfer rate of 6.9% for qualified applicants
  • No annual fee
  • To apply, you must be 18+, earning at least £10,000 per year and a UK resident

REPRESENTATIVE EXAMPLE

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

* 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

  • Low standard APR
  • No foreign-transaction fees
  • No balance-transfer fees
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    9.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1/5 Perks
  • 5/5Fees
  • 5/5APR

HIGHLIGHTS

  • Low APR of 9.9% for qualified applicants
  • No fees on foreign transactions
  • No balance-transfer fees
  • Even lower balance-transfer rate of 6.9% for qualified applicants
  • No annual fee
  • To apply, you must be 18+, earning at least £10,000 per year and a UK resident

REPRESENTATIVE EXAMPLE

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

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