Credit Cards

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

    Longest 0% balance transfer deal

    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
    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% fee applies, but is reduced to 2.7% by a refund
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Halifax card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (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

    Longest balance transfer period with no fee

    Great for
    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. Limited offer

    Great for
    1% fee applies, but is reduced to 0% by a refund
    The longest deal with no balance transfer fee
    Transferring and paying off smaller balances
    But be aware that
    To keep your 0% rate you must make your minimum payments in time each month and not go over your credit limit
    The APR and length of the promotional offer are dependent on your personal circumstances

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.9% (variable) your representative APR will be 19.9% (variable).

Featured purchase credit cards - Ordered by longest purchase offer

Apply for the cards below today or search all purchase cards

  1. Market leading

    Longest 0% purchases card that has no annual fee. You also earn Clubcard points

    Great for
    Winner of our Best Credit Card Provider award
    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. Exclusive

    Only available at MoneySuperMarket.com

    Great for
    1,000 bonus avios when you spend £500 in the first three months
    One Avios for virtually every £1 you spend
    But be aware that
    You must have a minimum household income of £20,000

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 15.9% (variable) your representative APR will be 15.9% (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. Great for
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The APR you get is subject to status, so may vary

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

  2. Great for
    A low 14.9% p.a. variable on card purchases after the promotional period
    Low balance transfer fee of 1.5%
    Transfer money to your current account
    But be aware that
    You cannot transfer a balance from another MBNA or Virgin card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 14.9% (variable) your representative APR will be 14.9% (variable).

Featured credit cards for bad credit - Ordered by APR

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

    • Provider/Product name Classic

      aqua

      Classic

    • Representative APR (variable) 29.7%APR
    • Minimum credit limit £100minimum
    • Maximum credit limit Up to£1200 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 - £1,200, 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).

  1. Great for
    A credit limit from £200 to £1,500, with up to two increases offered per year
    Rebuilding a bad credit history
    The advertised rate is the rate you will get if accepted
    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 29.84% (variable) your representative APR will be 29.8% (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.

MoneySuperMarket is rated 4.8/5 based on 2,944 reviews from the last 12 months. Read our reviews.

wrote on 4.8

As a comparison site it will take some beating. will save you money and is quick and easy to use if you want to compare what you are paying with what you could be paying!

Close

Cookie use

MoneySupermarket uses cookies, small text files which are downloaded to your computer's hard drive when you visit most websites.

Read more

Cookies are harmless files which can help improve the experience. Cookies allow websites to respond to you as an individual. The website can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Read less | Cookie Policy

Close