Compare credit cards

Whatever type of credit card you're looking for our Smart Search can help:
  • We'll show you cards likely to say YES
  • Searching WON'T harm your credit score
  • Fast and easy to use

Find a card

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 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're probably better off choosing a different card.

Consider a different card
Not eligible
Your chances are good
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.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

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.

Why should I use Smart Search?

Using Smart Search makes you less likely to be one of the millions of people who get declined for credit cards every year. Smart Search shows you which cards you’re most likely to be accepted for, so you can avoid the ones that are more likely to decline you. Getting declined can damage your credit score, and this makes it harder to borrow money in the future.

How does it work?

You give us some information about yourself, and we use this to find your credit file. We match your credit file to the criteria credit card companies give us about what kind of customer they accept, and use this to work out a score out of ten to show how likely you are to be accepted for each card. Don’t worry, we don’t leave a footprint on your credit file, so your credit score won’t be affected.

Why do I have to give you my personal information?

So that we can make sure we’ve got the right credit file. We only use your data to find your credit file, so we can work out your eligibility score for each card. We won’t contact you if you ask us not to.

How long does it take?

It only takes a few minutes to give us the information we need to find your credit file and show you how likely you are to get each card.

Why can’t I just look at a list of cards?

We think you should have as much information as possible to help you choose a credit card. As well as all the card features, it’s important to know your chances of being accepted for a card, so you can make sure you choose the right card for you, and protect your credit score as much as possible. If you’d prefer to look at some credit cards without this extra information, you can see all cards here.



Credit Cards. Trust us to explain them simply

Row of laptops in a shop

Why use a credit card?


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.

Woman browsing electronic tablets

What is a balance transfer?


These days, there is no need to pay extortionate rates of interest on lingering credit card balances – as there are so many great 0% balance transfer cards up for grabs. Find out more about how they work and what’s available.

Guide to credit cards

Finding the right credit card for you

Comparing credit cards is a great way for you to find out which type of card is best suited to your needs. Our credit card comparison tool will match your needs with the right credit card and will show you your likeliness for a successful application. 

Credit card comparison

When using our credit card comparison tool, decide what you are going to use the card for. You can choose between balance transfer cards, purchase cards, money transfer cards, cards that reward your spending and cards to use abroad.

  • 0% purchase cards: enable you to buy items upfront, while paying off the amount you’ve spent over a stated period without incurring any interest charges.
  • Balance transfer cards: enable you to transfer an existing credit card balance to a new card that charges less interest
  • Reward cards: these cards offer cashback or loyalty points.

If you want to use a card for shopping, 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

The best credit card for you depends on whether you will pay off your balance each month and how you intend to use the card. Smart Search will ask you a selection of questions to help determine which type of credit card best suits your needs, without leaving a mark on your credit file.   

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 yourself and what you want from your credit card.
  2. We'll search through more than 100 credit cards to find you great deals you’re likely to get
  3. You can choose  the one that suits you best and apply online through the credit card company

Why are we the best website for credit card comparison?

Because we compare more than 100 credit cards, and show you cards 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 want to show you cards from as many companies as possible, so that you can choose the one that suits you best. We can’t promise to have cards from every single company, because some companies don’t want to be included in our Smart Search tool. We show you a list of cards from the highest eligibility score to the lowest, so you can easily see which cards you’re most likely to be accepted for. You can find out more about how we work here.

How our site is paid for

We like being straightforward at MoneySuperMarket, so we want to let you know how we get paid.

How do we make money on credit cards at MoneySuperMarket?

When someone applies for a credit card through MoneySuperMarket, the credit card company will usually pay us a fee.

Do we offer credit cards from the ‘whole of market’?

We include credit cards from the companies we work directly with on MoneySuperMarket.  

We don’t work with all credit card companies, because some companies don’t want their cards included on comparison websites.  

Some smaller companies can also struggle to cope with the number of customers we can show their products to.

The companies we do work with are leading companies in the credit card market, so that we can offer you a wide range of great deals.

How do our relationships with credit card companies affect our service to you?

We never allow credit card companies to get in the way of what’s best for our customers.  So we always display credit cards by their benefits to you – such as the longest balance transfer offer or the lowest APR – never by what’s best for a credit card company.

Why are we telling you this?

Our services are always free to you, our customers.  But we think it’s important that we’re transparent about how we earn money, so you can be confident we put our customers first.  You can find out more about how we work here.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

MoneySuperMarket is rated 4.6/5 based on 14,515 reviews from the last 12 months.

Read our reviews.

wrote on 5.0 * * * * *

The procedure was very straight forward, I made the enquiry for what I wanted and the reply came back straightaway, hence I was able to save quite a bit of money with the quotes I received.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.


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