Compare credit cards

Find a new credit card

Whatever type of credit card you're
looking for our Eligibility Checker 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

Compare credit cards

Compare more than 100 credit cards instantly and find top deals on: 0%
balance transfers, 0% purchases, cashback and rewards. Plus get exclusive deals you
can't get anywhere else.

HSBC £25 cashback credit card

Earn £25 cashback when you make a purchase or balance transfer of at least £300 within 60 days of opening your account.

Offer ends 9 November, 2018. Eligibility conditions apply. See T&Cs.

Representative 19.9% APR (variable)

HSBC card

HSBC £25 cashback credit card

  • Earn £25 cashback when you make a purchase or balance transfer of at least £300 within 60 days of opening your account. Cashback offer ends 9 November, 2018. Eligibility conditions apply. See T&Cs.
  • 0% interest for 32 months on balance transfers made within the first 60 days, then 19.9% p.a. (variable)
  • Balance transfer fee of 1.4% applies (min £5) for balances transferred within the first 60 days, thereafter 2.9% (min £5)
  • 0% interest for 3 months on purchases then 19.9% p.a (variable)
HSBC card

Representative Example: If you spend £1,200 at a purchase rate 19.9% p.a (variable) your representative APR is 19.9% APR (variable)

Why should I use the Eligibility Checker?

Using our Eligibility Checker makes you less likely to be one of the millions of people who get declined for credit cards every year. Eligibility Checker 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.

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.
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.
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.

It’s important to know how your credit file and credit score affect your financial situation.

Credit rating agencies build up files on all of us based on a mix of publicly-available information (such as whether you’re on the Electoral Roll) and data from financial companies about products you have or have had, such as loans and credit cards.

From this they calculate a credit score, which companies check when they’re working out whether to give you a product, and on what terms. Managing your finances well and always paying off what you owe in time will give you a good score. Missing payments, as you’d expect, will lower your score.

Every time someone looks at your file, it is recorded as a ‘hard’ or ‘soft’ search.

Finance companies make hard searches when you apply to them for a credit product, and each hard search remains on your credit report for two years. This matters because, for many lenders, a clutch of hard searches in a short period suggests you might be struggling to get a product, or that you’ve opened several accounts that could prove difficult to manage.

Soft searches occur when you or someone else looks at your file, but not in connection with an actual application. For example, when you put your details into our Eligibility Checker, we look at your file and work out how likely you are to be accepted for a range of deals, based on what we know about various firms’ acceptance criteria.

A ‘pre-approval’ search leaves no trace, so it won’t affect your score. You can use the Eligibility Checker as often as you like over any period without risking damage to your file.

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.

0% balance transfer credit cards

A 0% balance transfer credit card allows you to move an existing debt from one credit card provider to another. You can use this to manage existing debt, or consolidate several credit card repayments into one manageable monthly repayment.

It’s a handy way to avoid paying interest on a debt if you’re currently paying interest, or your interest-free period is coming to an end.

There are some deals that will give you an interest-free period of more than three years. But be aware that you may have to pay a fee to transfer the balance, and you must always make at least the minimum repayment.

0% purchase credit cards

A 0% purchase credit card is ideal if you are planning a significant purchase, like a dream holiday or a car, and want to spread the cost over a period of time without wasting money on interest payments.

Shopping with a credit card will also give you extra protection if the product is faulty or doesn’t arrive on time, thanks to boosted consumer rights.

Some 0% purchase credit cards offer an interest-free period of more than two years. But be aware that you must always make at least the minimum repayment and if you don’t clear the balance before the interest-free period ends, you will be charged interest.

Frequently asked questions

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.

What types of credit cards are there?

When comparing credit cards you can choose from the types of card below:

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; compare them here

Balance transfer cards allow you to transfer an existing credit card balance to a new card that charges less interest; compare them here.

Reward cards offer cashback or loyalty points; compare them here.

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. Our Eligibility Checker 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.

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.

Credit card comparison

If you’re applying for a credit card, you might be able to find a better deal if you look through offers from different providers before taking one out. With MoneySuperMarket you’ll be able to search through multiple credit cards and compare them by a range of factors, including their interest rates and any benefits and awards they come with.

All you need to do is answer a few questions about yourself and your financial situation, and our Eligibility Checker will let you see your chances of being accepted for different credit cards. The eligibility checker won’t even affect your credit score, so you can run a check without any worries.

Once you know which card you want, you can normally apply through the phone, online, or in person if the provider has a high street branch. However when you do apply, the provider will usually run a hard credit check – which will show up on your credit report – to confirm whether they’ll give you the card. If you’re accepted they’ll tell you your credit limit and interest rate, and soon you’ll be ready to start using your credit card.

 

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.