We provide an independent comparison table of 79 credit card rates and features in the UK. Use the searchable database of credit cards to compare interest costs, annual fees, balance transfer offers and rewards.
| Name | Logo | Monthly Fee | APR | GMG Rating | Customer Reviews | CTA | Tag | Feature | Expand |
|---|---|---|---|---|---|---|---|---|---|
 | Monthly Fee £0 | APR 31.6% | GMG Rating | Customer Reviews | #Promoted | Features:
| |
Cheapest Overall UK Credit Cards By APR For February 2026
The cheapest UK credit cards in the UK charge 12.90% APR are avialable from Tesco Bank Clubcard Credit Card with Low APR Mastercard, Ulster Bank Credit Card Mastercard and The Royal Bank of Scotland Credit Card.
| Credit Card | APR | Annual Fee |
|---|---|---|
| Tesco Bank Clubcard Credit Card with Low APR Mastercard | 12.90% | No annual fee |
| Ulster Bank Credit Card Mastercard | 12.90% | No annual fee |
| The Royal Bank of Scotland Credit Card | 12.90% | No annual fee |
| MBNA Long Term Low Interest Credit Card | 12.99% | No annual fee |
| Great Wall International Gold Credit Card | 13.50% | No annual fee |
| AIB (Formerly First Trust Bank (NI)) Visa/Mastercard Option 2 | 16.90% | No annual fee |
| AIB (formerly First Trust Bank (NI)) Visa/Mastercard Option 1 | 18.90% | No annual fee |
| Yorkshire Bank Gold Mastercard | 18.90% | No annual fee |
| HSBC Student Credit Card Visa | 18.90% | No annual fee |
| Nationwide Member Credit Card All Rounder | 19.90% | No annual fee |
| Coutts & Co Silk Credit Card Visa | 19.99% | No annual fee |
| AIB (Formerly First Trust Bank (NI)) Student Mastercard | 20.50% | No annual fee |
| TSB Student Mastercard | 21.90% | No annual fee |
| Danske Bank Mastercard Standard Credit Card | 22.90% | No annual fee |
| Halifax Credit Card Mastercard | 22.94% | No annual fee |
| Lloyds Bank Online Platinum Low Rate Mastercard | 22.94% | No annual fee |
| Santander Business Cashback Credit Card Mastercard | 23.70% | £30 per annum |
| Santander Everyday no balance Credit Card Mastercard | 24.90% | No annual fee |
| Nationwide Member Credit Card Balance Transfer offer Credit Card Visa | 24.90% | No annual fee |
| TSB Platinum Balance Transfer Mastercard | 24.90% | No annual fee |
| M&S Bank Transfer Plus Mastercard | 24.90% | No annual fee |
| HSBC Balance Transfer Credit Card Visa | 24.90% | No annual fee |
| first direct Credit Card Visa | 24.90% | No annual fee |
| first direct Gold Card Visa | 24.90% | No annual fee |
| Ulster Bank Balance Transfer Credit Card Mastercard | 24.90% | No annual fee |
| Tesco Bank Clubcard 0% Balance Transfer Fee Mastercard | 24.90% | No annual fee |
| The Royal Bank Balance Transfer Credit Card (existing customers) | 24.90% | No annual fee |
| The NatWest Balance Transfer Credit Card (existing customers) | 24.90% | No annual fee |
| The NatWest Longer Balance Transfer Card | 24.90% | No annual fee |
| HSBC Rewards Credit Card | 26.90% | No annual fee |
| HSBC Premier Credit Card Mastercard | 26.90% | No annual fee |
| Virgin Money Virgin Atlantic Reward Credit Card | 26.90% | No annual fee |
| IHG One Rewards Premier Credit Card | 27.74% | $99 per annum |
| Virgin Money 20 Month Balance Transfer Credit Card Mastercard | 27.90% | No annual fee |
| Virgin Money Travel Credit Card Mastercard | 27.90% | No annual fee |
| Virgin Money 16 Month Balance Transfer Credit Card Mastercard | 27.90% | No annual fee |
| Virgin Money 12 Month All Round Credit Card Mastercard | 27.90% | No annual fee |
| The American Express ® Rewards Credit Card | 29.40% | No annual fee |
| American Express Platinum Cashback Everyday Credit Card | 29.40% | No annual fee |
| British Airways American Express ® Credit Card | 29.40% | No annual fee |
| Santander All in One Credit Card Mastercard | 29.80% | £3 per month |
| John Lewis and Waitrose Partnership Mastercard credit card | 29.90% | No annual fee |
| Tesco Bank Foundation Credit Card Mastercard | 29.90% | No annual fee |
| HSBC Classic Credit Card Visa | 29.90% | No annual fee |
| Royal Bank of Scotland Reward Credit Card Mastercard | 31.00% | £24 per annum |
| NatWest Reward Credit Card Mastercard | 31.00% | £0 – £24 per annum |
| Barclaycard Forward Credit Card Visa | 33.90% | No annual fee |
| Vanquis Bank Balance Transfer Credit Card | 33.90% | No annual fee |
| Capital One Balance Transfer Mastercard | 34.90% | No annual fee |
| Fluid Credit Card | 34.90% | No annual fee |
| Capital One Classic Mastercard | 34.90% | No annual fee |
| marbles Credit Card | 34.90% | No annual fee |
| Aqua Advance | 34.90% | No annual fee |
| American Express Platinum Cashback Credit Card | 35.00% | £25 per annum |
| Capital One Luma Purchase Mastercard | 35.90% | No annual fee |
| Capital One Luma Mastercard | 35.90% | No annual fee |
| Aqua Classic | 39.90% | No annual fee |
| Thinkmoney Credit Card | 39.90% | No annual fee |
| Ocean Finance Credit Card | 39.90% | No annual fee |
| Royal Bank of Scotland Reward Black Credit Card Mastercard | 40.70% | £84 per annum |
| NatWest Reward Black Credit Card Mastercard | 40.70% | £0 – £84 per annum |
| Vanquis Credit Builder Credit Card | 42.90% | No annual fee |
| Santander World Elite Mastercard | 49.80% | £15 per month |
| Virgin Money Virgin Atlantic Reward Plus Credit Card | 69.70% | £160 per annum |
| American Express ® Preferred Rewards Gold Credit Card | 86.30% | £0 – £195 per annum |
| HSBC Premier World Elite Mastercard | 100.20% | £290 per annum |
| British Airways American Express ® Premium Plus | 136.40% | £300 per annum |
| Sainsbury’s Bank Balance Transfer Credit Card Mastercard | n/a | No annual fee |
| Halifax Low Fee 0% Balance Transfer Credit Card Mastercard | n/a | No annual fee |
| Halifax Clarity Credit Card Mastercard | n/a | No annual fee |
| Sainsbury’s Bank No Balance Transfer Fee Credit Card Mastercard | n/a | No annual fee |
| MBNA Long 0% Money Transfer Credit Card | n/a | No annual fee |
| MBNA 0% Transfer and Purchase Credit Card | n/a | No annual fee |
| Lloyds Bank Online Platinum 24 Month Balance Transfer Mastercard | n/a | No annual fee |
| Lloyds Bank Online Platinum 28 Month Balance Transfer Mastercard | n/a | No annual fee |
| Lloyds Bank Online Platinum 20 Month Balance Transfer Mastercard | n/a | No annual fee |
| Lloyds Bank Online Platinum 20 Month Purchase and Balance Transfer Mastercard | n/a | No annual fee |
| Halifax Clarity Credit Card Mastercard | n/a | No annual fee |
Compare Different Types of Credit Card
Best Credit Cards
Everyday credit cards offer you the most flexibility for everyday use while having a reasonable interest rate, a balance transfer option and an initial interest-free period on purchases.
Balance Transfer Credit Cards
Astute credit card holders know they can shop around for a new card and transfer the balance from their old one, benefiting from a lower interest rate or even an interest-free period. Balance transfer credit cards are also a great way to consolidate debt from several cards to one.
Rewards Credit Cards
Reward credit cards are an easy way to earn hundreds of pounds in bonuses, just for your normal spending. But while some offers look valuable, you might be paying through the nose in interest fees. Also, consider whether the rewards offered are worthwhile to you.
Cash Back Credit Cards
You’ll be familiar with the cashback concept, where you earn rewards in the form of money or credit on your account when you spend. You must shop around as the “earn rate” varies, while some cards affiliated to a brand reward more for spending with that brand.
Travel Credit Cards
Don’t get hit by high fees when using your credit card abroad. Look for a credit card that offers no fees on foreign transactions and preferably some rewards as well.
Bad Credit Credit Cards
When you have a poor credit score, perhaps because of bankruptcy or some form of previous default, you can begin to rebuild your score using these cards. For those with credit problems here are our top ten bad credit credit cards.
Money Transfer Credit Cards
Using a credit card to pay off your expensive bank overdraft (or another loan) makes total sense when you can do so interest-free. Therefore, look for a card that has the longest 0% money transfer period and pay off as much as you can from the card quickly.
Air Miles Credit Cards
Bag yourself free travel simply by spending on your credit card. But select your card carefully as only some offer air miles, and some are more generous than others.
Purchase Credit Cards
If you use your credit card simply for purchases and are not concerned about balance transfers and other perks, you need to look at any interest-free purchase promotional period, followed by an ongoing generous low APR.