Visa Credit Cards

You will find the Visa logo on an enormous variety of credit cards issued by the likes of Barclaycard, RBS and NatWest, MBNA and Capital One. Some providers may also make use of Visa's growing variety of payment methods such as contactless. Visa has also introduced ‘the Verified by Visa’ scheme which protects your card details when making a purchase online.

Compare Visa credit cards - Sorted by APR

  1. Great for
    No non-sterling transaction fees on your foreign spend and ATM withdrawals abroad until 31 August 2018
    11.9% interest on your purchases and 27.9% interest on your ATM withdrawals home and abroad, from account opening
    If approved, you will get the advertised offer
    But be aware that
    All applications are subject to Barclaycard eligibility criteria and your status
    You always need to pay or take out cash in the local currency to benefit from the reduced 0% non-sterling transaction fee and the Visa exchange rate. See provider site for details

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 11.9% p.a. (variable) your representative rate will be 11.9% APR (variable).

  2. Great for
    Unlimited commission-free purchases abroad
    0% for 12 months on balance transfers and purchases
    But be aware that
    When chance of approval is shown it is the likelihood of acceptance for a credit card, not the rate shown. Your rate may vary from the representative rate as it’s based on your individual circumstances and you qualifying as a main current account customer
    The promotional BT period applies to transfers made in the first 3 months
    You cannot transfer a balance from another Nationwide Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 15.9% p.a. (variable) your representative rate will be 15.9% APR (variable).

  3. Great for
    0% for 12 months on balance transfers and purchases
    Earn commission free purchases abroad - £1 of commission free allowance per £5 spent in a month (UK, Sterling)
    Access to exclusive rewards
    But be aware that
    When chance of approval is shown, it is for the likelihood of acceptance for a credit card, not the rate shown. Your rate may vary from the representative rate advertised as it is based on your individual circumstances
    The promotional BT period applies to transfers made in the first three months
    You cannot transfer a balance from another Nationwide Credit Card

    Representative Example:

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

  4. Exclusive

    Receive £20 cashback when you make a balance transfer. You cannot apply for this offer through any other price comparison sites. Conditions apply, see T&Cs. Ends 16th October

    Great for
    You’ll be charged a 3.5% fee, but transfer a balance within 60 days and Barclaycard will refund 2.00%, so the effective fee is 1.50%
    Tracking your credit score, with free ongoing access to your Experian Credit Score
    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 Barclaycard
    The promotional BT period applies to transfers made in the first 60 days

    Representative Example:

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

  5. Exclusive

    Receive £20 cashback when you make a balance transfer. You cannot apply for this offer through any other price comparison sites. Conditions apply, see T&Cs. Ends 16th October

    Great for
    Manage your account using the My Barclaycard app, or online account servicing
    You’ll get access to pre-sale tickets to the latest events before they go out on general release
    You’ll be charged a 3.5% fee, but transfer a balance within 60 days and Barclaycard will refund 2.82%, so the effective fee is 0.68%
    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 Barclaycard
    The promotional BT period applies to transfers made in the first 60 days

    Representative Example:

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

  6. Exclusive

    You won't get this card on any other comparison site

    Great for
    Transferring money to your current account with 0% interest for 24 months (1.99% fee applies)
    Eligibility check: Find out if you are eligible before applying for this card
    Contactless payments for items up to £30
    But be aware that
    Please be aware that if you haven’t been pre-approved the APR and length of the promotional offer may vary and it is dependent on your personal circumstances
    You cannot transfer a balance from another MBNA card
    The promotional BT, MT period and Fee applies to transfers made in the first 60 days

    Representative Example:

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

  7. Great for
    0% interest on balance transfers for 41 months (3.45% fee applies)
    Transferring money to your current account with 0% interest for 20 months (4% fee applies)
    Eligibility check: Find out if you are eligible before applying for this card
    But be aware that
    Please be aware that if you haven’t been pre-approved the APR and length of the promotional offer may vary and it is dependent on your personal circumstances
    You cannot transfer a balance from another MBNA card
    The promotional BT, MT period and Fee applies to transfers made in the first 60 days

    Representative Example:

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

  8. Exclusive

    Receive £30 when you successfully apply. You cannot apply for this offer anywhere else. Conditions apply, see T&Cs. Ends 28th October

    Great for
    Receive £30 when you apply and complete either a balance transfer or a minimum of three transactions using Apple Pay or Android Pay within 60 days of account opening. T&Cs apply
    If your application is approved you are guaranteed to get 32 months on balance transfers at 0%
    But be aware that
    The APR of the promotional offer is dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 60 days
    You cannot transfer a balance from a HSBC Group card

    Representative Example:

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

  9. Exclusive

    Receive £20 cashback when you make a balance transfer. You cannot apply for this offer through any other price comparison sites. Conditions apply, see T&Cs. Ends 16th October

    Great for
    Paying 0% interest on balance transfers for 25 months
    Paying 0% on purchases for 25 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 25 months has expired, unless you repay your entire balance in full each month
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 60 days

    Representative Example:

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

  10. Limited offer

    Receive 7,000 bonus Freedom points worth £20 when you spend at least £500 or make a balance transfer of at least £500 within 60 days. Conditions apply, see T&Cs. Offer ends 5th October

    Great for
    One Freedom point for every pound you spend, both at home and abroad (please note – a non-Sterling transaction fee of 2.99% applies to foreign currency transactions)
    Earn double points at all UK supermarkets, petrol stations and Transport for London
    Tracking your credit score, with free ongoing access to your Experian Credit Score
    But be aware that
    You cannot transfer a balance from another Barclaycard
    The APR is dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative rate will be 21.9% APR (variable).

  11. Exclusive

    Receive £20 cashback when you make a balance transfer. You cannot apply for this offer through any other price comparison sites. Conditions apply, see T&Cs. Ends 16th October

    Great for
    Rebuilding your credit rating or if you have a limited credit history
    Paying 0% interest on balance transfers for 18 months
    But be aware that
    You cannot transfer a balance from another Barclaycard
    The APR is dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 24.9% p.a. (variable) your representative rate will be 24.9% APR (variable).

  12. Great for
    You'll start with an initial easy to manage Credit Limit between £250 and £1,000
    You could get a Credit Limit increase after your fifth statement and further increases every five months, up to £4,000. T&Cs apply
    Could help build or re-build your credit rating
    But be aware that
    The APR is dependent on your personal circumstances
    You cannot apply if you already hold a credit card that is issued by Vanquis Bank

    Representative Example:

    If you spend £1,000 at an annual interest rate of 29.8% p.a. (variable) your representative rate will be 29.8% APR (variable).

  13. Limited offer

    Receive £30 cashback after three months. Conditions apply, see T&Cs. Offer ends 5th October

    Great for
    0% for three months on purchases
    Being able to reduce your interest rate by always paying on time and staying within your credit limit
    The advertised rate is the rate you will get if accepted
    But be aware that
    You must not have received more than one CCJ
    You need an annual income of more than £3,000 to apply

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 34.9% p.a. (variable) your representative rate will be 34.9% APR (variable).

  14. Great for
    You'll start with an initial easy to manage Credit Limit between £150 and £1,000
    Could help build or re-build your credit rating
    But be aware that
    The APR is dependent on your personal circumstances
    You cannot apply if you are already holding a credit card issued by Vanquis Bank

    Representative Example:

    If you spend £500 at a purchase interest rate of 39.94% p.a. (variable) your representative rate will be 39.9% APR (variable).

  15. Great for
    You'll start with an initial easy to manage Credit Limit up to £1,000
    Could help build or re-build your credit rating
    But be aware that
    The APR is dependent on your personal circumstances
    You cannot apply if you already hold a credit card that is issued by Vanquis Bank

    Representative Example:

    If you spend £1,000 at a purchase interest rate of 59.94% p.a. (variable) your representative rate will be 59.9% APR (variable).

  16. Exclusive

    You won't get this card on any other comparison site

    Great for
    Transferring money to your current account with 0% interest for 24 months (4% fee applies)
    Eligibility check: Find out if you are eligible before applying for this card
    Contactless payments for items up to £30
    But be aware that
    Please be aware that if you haven’t been pre-approved the APR and length of the promotional offer may vary and it is dependent on your personal circumstances. You must have a minimum annual income of £30,000 to apply
    You cannot transfer a balance from another MBNA card
    The promotional BT, MT period and Fee applies to transfers made in the first 60 days

    Representative Example:

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

Guide to Visa credit cards

Visa is a technology and payments system which credit card and debit providers choose to sign up to. It is not a bank and doesn’t issue cards, but it provides the processing systems which connect Visa bank and payment service providers with retailers that accept Visa.

If you have a Visa credit card, you can use it in more than 29 million places across the world.

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. 

This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

Many Visa credit cards now come with contactless payment technology so that you can make simple, fast and secure payments of purchases less than £20. To make the transaction, you simply need to hold your contactless card within a few centimetres of a payment terminal and funds will be automatically deducted without you having to enter your PIN.

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
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
9.5/10
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.

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.

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

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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