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Featured balance transfer credit cards - Ordered by longest balance transfer offer

Apply for the cards below today or search all balance transfer cards

  1. Market leading

    The longest 0% balance transfer card

    Great for
    Giving you the longest interest free period to clear debts
    3.5% fee applies, but is reduced to 2.99% by a refund
    Limited Offer - An additional £20 BT fee refund on BT transfers of £2,000 or more (T&Cs apply)
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You won’t be able to transfer a balance that’s already on a Barclaycard

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  2. Great for
    3.5% fee applies, but is reduced to 2.89% by a refund
    Limited Offer - An additional £20 BT fee refund on BT transfers of £2,000 or more (T&Cs apply)
    You can simply ‘wave and pay’ with Barclaycard – handy if you are someone who’s always on the go
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You won’t be able to transfer a balance that’s already on a Barclaycard

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

Featured low fee balance transfer cards - Ordered by lowest balance transfer fee

Apply for the cards below today or search all low fee balance transfer cards

  1. Market leading

    Lowest balance transfer fee

    Great for
    A low balance transfer fee
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  2. Great for
    3% fee applies, but is reduced to just 0.7% by a refund
    Cover against online fraud. A card replacement if lost
    But be aware that
    You cannot apply if you currently hold another Bank of Scotland credit card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

Featured purchase credit cards - Ordered by longest purchase offer

Apply for the cards below today or search all purchase cards

  1. Market leading

    Joint longest 0% period on purchases

    Great for
    Earning monthly cashback on your everyday spending. 3% cashback on fuel, National Rail and TfL, 2% cashback at department stores and 1% cashback at supermarkets
    123 Current Account holders existing and new: Receive a refund of your first years annual fee on this card. Offer valid until 31st December 2014
    Contactless payments on items below £20
    But be aware that
    An annual fee applies

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 12.7% (variable) with a £24 annual Fee your representative APR will be 16.5% (variable).

  2. Market leading

    Joint longest 0% period on purchases

    Great for
    Managing your card on the go with the Santander mobile app for iPhone, iPad and AndroidTM devices
    Protection against internet fraud
    But be aware that
    You cannot transfer a balance from another Santander card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

Featured balance transfer & purchase cards - Ordered by longest combined balance transfer and purchase offer

Apply for the cards below today or search all balance transfer & purchase cards

  1. Market leading

    Joint market leading balance transfer & purchase card

    Great for
    2.9% fee applies but is reduced to 2.49% by a refund
    Paying 0% interest on balance transfers for 18 months
    Paying 0% on purchases for 14 months
    But be aware that
    If you have a balance transfer you will pay interest on all purchases made once the 0% purchase rate for 14 months has expired, unless you repay your entire balance in full each month
    The APR you get is subject to status, so may vary

    Representative Example:

    If you spend £1,200 at variable interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  2. Market leading

    Joint market leading balance transfer & purchase card

    Great for
    Collect double Nectar points on your Sainsbury's shopping (Ts&Cs apply)
    Collect 2 Nectar points per £1 spent on Sainsbury’s fuel
    Collect one Nectar point for every £5 spent on your card elsewhere
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Sainsbury’s Credit Card
    You won’t be able to transfer a balance that’s already on a Sainsbury’s Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 16.94% (variable) your representative APR will be 16.9% (variable).

Featured credit cards for bad credit - Ordered by APR

Apply for the cards below today or search all Credit cards for bad credit

  1. Limited offer

    Apply now - this offer ends 14th May 2014

    Great for
    Special low rate for people trying to improve their credit score
    Credit limit from £200 to £1,500
    Easy, fast application with a response in 60 seconds
    But be aware that
    You must have had credit in the UK before
    You must not have been declared Bankrupt in the last 12 months

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 28.94% (variable) your representative APR will be 28.9% (variable).

    • Provider/Product name Classic

      aqua

      Classic

    • Representative APR (variable) 29.7%APR
    • Minimum credit limit £100minimum
    • Maximum credit limit Up to£1600 Subject to status
    • Cash Advance rate 39.94%with 3% fee
    • Your chance of approval

      Will you get this card?

      Start >>
    • Go to site

      More details

    Great for
    A credit limit of £100 - £1,600, that could increase after four months
    Helps to build your credit rating and offers FREE unlimited access to your credit report worth up to £80 per year
    Getting a response within 60 seconds
    But be aware that
    Interest rates range from 29.7% - 49.9%

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 29.71% (variable) your representative APR will be 29.7% (variable).

Your personalised chance of approval

We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it’s better to get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’ve probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

Credit Cards. Trust us to explain them simply

Laptops are examples of products you can buy with a credit card

Why use a credit card?

By  

Credit cards come in all shapes and sizes and finding one that suits you and how you spend can make a world of difference to your pocket. Find out more in our guide.

Guide to credit cards

It’s hard to imagine life without a credit card as these days you can use them almost anywhere, anytime. Perhaps you want to splash out in the sales, treat your family to a holiday or maybe indulge in some online shopping. 

There’s no doubt that credit cards can be a quick and easy way to pay for a wide range of goods and services. Plus, you can spread the cost over several months, allowing you to budget. But picking the right credit card can be confusing as there are so many different deals on the market. 

Our guide explains how credit cards work – and how to select the right card for you. 

What is a credit card?

A credit card is basically a loan, but if you clear your balance in full when you receive your monthly statement, the loan is interest free. If you can’t afford to pay off the outstanding debt, you can make monthly payments, but you will normally be charged interest. The rates vary, but 19% is typical. 

Read more

Credit card deals

There are various different types of credit card and the best deal depends to a large extent on the purpose of the card. For example, if you want to go on a shopping spree, there’s little point in applying for a 0% balance transfer rate.

Shoppers should search for a deal that offers a low rate on purchases. Some cards, for example, charge 0% on purchases for a number of months, and they can be a cost effective way to pay for a big ticket item, such as a washing machine or sofa. If you clear the debt before the 0% deal expires, you will pay no interest whatsoever. 

Low rate cards are better suited to people who are not able to pay their balance in full each month. There is no introductory interest rate offer. Instead, you will pay a relatively low rate of interest for as long as it takes to clear your debt. 

People who have run up debts on another card or cards at a high rate of interest can save money with a balance transfer deal. Let’s say you have accumulated debts of £3000 on a card that charges interest at 19%. If you switch the outstanding balance to a card that charges 0% interest for 24 months, you can instantly cut the cost of your debt.

Reward cards are ideal if you pay off your balance every month as the interest rate is irrelevant. You can therefore look out for a card that offers cashback or loyalty points. 

There are also various deals available for people who take their credit card abroad and for those who have a poor credit history. 

Pros and cons of credit cards

Credit cards can be a great way to pay for goods and services without having to stump up the money upfront. You can even use your credit card like an interest-free loan, allowing you to borrow money for free. You also get some protection under the Consumer Credit Act if you buy something with a credit card. 

But let’s not forget that it’s easy to run up expensive debts with a credit card, especially if you pay off only the minimum balance each month. You can also get into financial difficulty if you don’t stick to the rules. For example, most companies charge a penalty if you miss a payment, make a late payment or breach your credit limit. Bear in mind, too, that most issuers reserve their best deals for people with a spotless credit record, so your application could be turned down.   

Find the right credit card

There are hundreds of different credit card deals but you can compare all the leading offers quickly and easily with Moneysupermarket’s online service. So, whether you want to switch a balance or you are looking for a 0% deal on purchases, we have all the information you need at the click of a mouse.

 

How our site works

  1. Tell us some details about what you want from your credit card
  2. We'll search through more than 230 credit cards to find you the best deals
  3. You can choose the one that suits you best and apply online through the provider.

Why are we the best website for credit card comparison?

Simply because we compare over 230 credit cards, and we also match cards to you based on how the credit card company will view you and your application. This means you are more likely to get the first card you apply for.

We're free, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

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