Easily Compare UK Credit Cards
There are a sometimes bewildering number of credit cards available to choose from, with even different cards from the same issuer having completely different features and costs. The table below lays out the basics of many of the major cards available, helping you to see at a glance what each one offers.
We also have seperate comparison tables for balance transfer cards and low APR cards.
| Card | Standard Rate | Intro Rate (Balance Transfers) | Intro Rate Period (Balance Transfers) | Intro Rate (Purchases) | Intro Rate Period (Purchases) | Annual Fee | Rewards | Cashback |
|---|---|---|---|---|---|---|---|---|
| Abbey Balance Transfer Card | 15.9% | 0% | for 13 months | 0% | for 3 months | - | - | 5% (max £1000) in UK supermarkets until 31st January 2008 |
| American Express BA Card | 17.9% | - | - | - | - | - | Earn British Airways miles | |
| American Express Nectar | 18.9% | - | - | - | Nectar - 1 point per pound, double at Nectar retailers | - | ||
| American Express Platinum | 18.9% | - | - | - | - | - | - | Up to 1.5% |
| American Express Red | 16.9% | - | - | - | - | - | - | Up to 1% donated to charity |
| AOL Card | 16.9% | 0% | for 12 months | 0% | for 3 months | None | Rewards which can be used for AOL subscription discounts, MBNA Reward Points and American Express Selects | - |
| ASDA Credit Card | 17.8% | 0% | for 9 months | 0% | for 3 months | - | ||
| Barclaycard Flexi-Rate | 14.9% | 0% | for 14 months | 0% | for 3 months | - | - | - |
| Barclaycard Initial | 27.9% | - | - | - | - | - | - | |
| Barclaycard Platinum Cashback | 16.9% | 0% | for 12 months | - | - | - | 0.5% | |
| Capital One Classic | 34.94% | - | - | - | - | - | - | - |
| Capital One Mastercard | 19.9% | 0% | until 1st March 2009 | 0% | until 1st March 2009 | - | - | |
| Capital One Platinum | 12.9% | 0% | until 1st October 2009 | 0% | until 1st October 2009 | - | - | - |
| Citibank Shell Mastercard | 16.9% | 0% | for 12 months | % | - | 3% on Shell fuel purchases, 1% elsewhere | ||
| Co-op Advantage Platinum | 15.9% | 0% | for 6 months | 0% | for 6 months | - | 1.25p for every £100 donated to worthwhile causes | 1.25p for every £100 donated to worthwhile causes |
| Co-op Clear Card | 12.9% | - | - | - | - | - | - | - |
| Co-op Think Card | 12.9% | 7% | for 6 months from the date of each transfer | - | - | - | 25p for every £100 donated to rainforest charity work | |
| Co-op Travel Card | 16.9% | 0% | for 6 months | 0% | for 6 months | - | Earn Travelcare points | |
| Co-operative Bank Fixed Rate Visa | 9.9% | 9.9% | fixed for 5 years | % | - | 1.25p to charity for every £100 spent | ||
| Egg Card | 16.9% | 0% | until 1st September 2009 | 0% | until 1st October 2008 | - | - | - |
| Halifax All In One | 15.9% | 0% | for 10 months | 0% | for 10 months | - | - | - |
| Hilton Mastercard | 15.9% | 0% | for 6 months | - | - | - | HHonors points for hotel stays and travel | - |
| HSBC Card | 16.9% | 0% | for 13 months | 0% | for 3 months | - | - | - |
| Intelligent Finance Flat Rate Card | 8.9% | - | - | - | - | - | ||
| Leeds Building Society Mastercard | 17.9% | 5.9% | for the life of the balance | 0% | for 6 months | - | 0.5% | |
| Marbles Card | 15.9% | 0% | for 12 months | - | - | - | - | - |
| MBNA Wigan Athletic | % | % | % | |||||
| Mint Card | 14.9% | 0% | until 1st August 2009 | 0% | until 1st January 2008 | - | Wine and travel clubs | - |
| Morgan Stanley Platinum Card | 15.9% | 3.9% | until 1st July 2010 | - | - | - | - | 3% until 1st May 2007, then 1% |
| NatWest Classic Card | 15.9% | 0% | for 13 months | 0% | for 6 months | - | Wine club and travel points | - |
| Natwest Gold Card | 15.9% | 0% | for 13 months | 0% | for 6 months | - | Wine club | - |
| NatWest Platinum | 15.9% | 0% | for 13 months | 0% | for 6 months | - | Wine club and travel points | |
| Natwest Student Card | 18.9% | - | - | - | - | - | - | - |
| RBS Classic Card | 15.9% | 0% | for 13 months | 0% | for 6 months | - | RBS Extras | - |
| Shelter Flat Rate Card | 12.9% | - | - | - | ||||
| Smile Credit Card | 20.9% | - | - | - | - | - | 0.5% | |
| Virgin Card | 15.9% | 0% | for 15 months | 0% | for 3 months | - | Discounts on a range of Virgin products | - |
| Virgin Shopping Card | 10.9% | - | - | - | - | - | Earn points for the Members Shop | - |
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