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If you are looking for a new credit card in the United Kingdom, and want a realistic and objective compare credit cards UK today, you have come to the right place.
When you compare credit cards UK today, you should look beyond the initial offer and analyze the cold facts provided by the financial institutions. This article aims to detail the most relevant characteristics of the main available cards, allowing you to compare credit cards UK today based on objective facts and information.
In this complete guide, we will break down the 10 most relevant credit cards on the market. From cards with the most interesting rewards to those that offer the longest periods of zero interest, among others. Keep reading and discover the options.
Credit Cards Focused on Rewards and Cashback
1. Virgin Atlantic Everyday Cashback (Compare Credit Cards UK Today)
This card is ideal for those who are loyal to the Virgin brand.
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Initially, you will have an accumulation rate of 0.75 Virgin point per £1 spent, which doubles to 1.5 points per £1 on purchases with Virgin Atlantic or Virgin Holidays.
You will also receive an initial bonus of 3,000 points after your first purchase within the first 90 days.
If you travel a lot, know that it has the great advantage of not charging a foreign transaction fee when paying in euros, Swedish krona, or Romanian leu within the European Economic Area.
Its representative APR is 26.9% p.a. and it has a free annual fee.
2. American Express Cashback Everyday
The Amex Cashback Everyday stands out for its welcome bonus, achieving 5% cashback in the first five months. Note that there is a refund limit of £125.
After the introductory period, the card offers 0.5% cashback on annual spending up to £10,000 and 1% above that amount, with no maximum limit.
Initially, its representative APR is 29.7% p.a. and it has a free annual fee.
Furthermore, it offers purchase protection and access to the Membership Rewards program with exclusive offers. American Express is a company with roots in 1850, recognized for premium services. Inclusive, hoje, esse cartão está na lista dos credit cards with cashback UK.
3. Amazon Barclaycard (Compare Credit Cards UK Today)
The result of a partnership between Barclaycard, which launched the first general-purpose credit card in the UK in 1966, and Amazon.
Firstly, this card is perfect for online shoppers, offering:
- 1% rewards on Amazon purchases (and 0.5% on other purchases);
- Prime Members receive extra rewards, such as 2% on events like Prime Day.
The card attracts with a £40 Amazon gift voucher upon approval. Plus 0% interest on purchases for the first six months.
4. NatWest Reward
With an annual fee of £24 (reimbursable for customers with a Reward current account), the NatWest Reward focuses on returning on essential spending.
In addition, it offers a high 1% cashback at supermarkets and 0.25% cashback on other purchases, including fuel.
The cashback can be credited to the statement or transferred to a NatWest current account.
Furthermore, its representative APR is 31.0% p.a. and the card charges a foreign usage fee (2.75% EU or 2.95% outside the EU).
5. American Express Preferred Rewards Gold (Compare Credit Cards UK Today)
For those looking for luxury and travel benefits, this card is the ideal choice.
After all, American Express offers 1 Membership Rewards point for every £1 spent, increasing to 2 points on Amex travel and 3 points on specific reservations.
The main attraction is the bonus of 40,000 points after spending £5,000 in the first six months and access to VIP lounges (two free visits per year).
The annual fee is waived in the first year, but rises to £195 from the second year.
Credit Cards with Zero Interest and International Use
6. M&S Bank Purchase Plus
The M&S Bank Purchase Plus offers the longest interest-free period for purchases on this list: up to 24 months.
It also offers 0% interest on balance transfers for 12 months (with a transfer fee of 3.49%).
Finally, its annual fee is waived and its representative APR is 24.9% p.a. It also offers an M&S rewards program, granting 1 M&S point per £1 spent in the store and 1 point per £5 spent elsewhere.
7. HSBC Purchase Plus (Compare Credit Cards UK Today)
This card is another excellent financing option, offering 0% interest on purchases for up to 20 months.
In addition, it has 0% interest on balance transfers for 17 months.
Although with a transfer fee of 3.49%. With a representative APR of 24.9% p.a. and a waived annual fee, the card offers purchase protection (Section 75) and 24/7 worldwide assistance.
8. Santander All in One
The Santander All in One combines financing and cashback advantages.
Initially, it offers 0% interest on purchases and balance transfers for 15 months (with no balance transfer fee).
After the promotional period, the representative APR of 29.8% p.a. applies.
Furthermore, the card charges a monthly fee of £3, which is refundable for eligible Reward current account holders.
9. Barclaycard Rewards (Compare Credit Cards UK Today)
One of the favorites for travel use, the Barclaycard Rewards. This is because it does not charge a fee for international transactions on purchases.
It also does not charge a fee for withdrawals abroad (although interest accrues immediately if the balance is not paid).
The card offers a universal cashback of 0.25% on all purchases.
10. Tesco Bank All Round
Although the cards above are the main focus, the Tesco Bank All Round is an interesting alternative for those who shop at the supermarket and look for transfer promotions.
It offers 0% interest for 14 months on purchases and balance transfers (with transfer fees of 2.49% or 3.99% for money transfers).
The card collects Clubcard points, convertible into Tesco vouchers, and has a variable APR of 24.9% after the promotional period, with no annual fee.
Conclusion (Compare Credit Cards UK Today)
In conclusion, when you compare credit cards UK today, you should balance rewards, costs, and convenience to find the best option for your financial profile.
Cashback and points cards, such as the American Express Cashback Everyday and the Virgin Atlantic Everyday Cashback, reward continuous use. Especially for those who spend frequently on travel or online purchases.
Those seeking interest-free financing will find the longest 0% APR periods in the M&S Bank Purchase Plus and HSBC Purchase Plus cards. For this reason, they are ideal for large purchases or debt reorganization.
For travelers, the Barclaycard Rewards and Halifax Clarity stand out for the absence of fees on international transactions, offering real savings abroad.
Finally, hybrid cards like the Santander All in One balance cashback and promotional interest, making them versatile for daily use.