Credit card statistics - 2025

3 min read

Updated: 13 Nov 2025

In this guide / article

Key takeaways

The average person could save £398^{^} by moving credit card balances to a specialist balance transfer credit card.
Average credit card debt for UK households in 2025 is £2,572
Total outstanding credit card debt in August 2025 was £76.1 billion, up 6.6% over a year.

UK credit card statistics - 2025

Credit cards are a flexible method to borrow money, earn rewards for spending, consolidate debt, and enjoy additional protection. In the UK, we rely on them to manage our finances.

We've collated credit card statistics from our own enquiry data and trusted third-party reports to dive into the market, UK spending, and how we're using them in everyday life.

UK credit card spending and balances

In August 2025 average UK credit card spend was £815, 2.4% lower than a year ago.

UK credit card market - 2025

Today, there are 21^{^} credit card providers with products available through MoneySuperMarket.

Top cards by card type

The longest interest free balance transfer period available through MoneySuperMarket is 36^{^} months.
The longest interest free purchase card period available through MoneySuperMarket is 25^{^} months.
The highest guaranteed credit limit available through MoneySuperMarket is £3000^{^} , available on balance transfer credit cards, and interest-free spending credit cards.

Median credit limits

Card type	Median credit limit
Credit builder	£500^{^}
Rewards	£1200^{^}
Balance transfer and purchase	£2400^{^}
Balance transfer	£3000^{^}
Travel (spending abroad)	£1000^{^}
Interest-free purchase	£1000^{^}

Median APR

Median APR varies by card type, and many cards come with promotional interest rates.

Card type	Median APR
Credit builder	34.7%^{^}
Rewards	33.4%^{^}
Balance transfer and purchase	24.90%^{^}
Balance transfer	24.90%^{^}
Travel	24.90%^{^}
Interest-free purchase	24.90%^{^}

Sources and methodology

Live MoneySuperMarket Enquiry Date

The Money Charity - Money Statistics October 2025

Bank of England - Monthly average credit card interest rates

FICO - UK Credit Card Market Report: August 2025

NimbleFins - Average household debt UK

Mintel - Credit Cards report 2024

Author

Victoria Russell

General Manager - Commercial

Vikki has worked across financial services for over 20years, and for the last 15 years, created and nurtured a career within MoneySuperMarket Group, leading to her current role as General Manager for...

More about Victoria

Annual saving based on 51% of customers transferring £2,275 from a 24.9% (variable) p.a. card, with a 5% monthly repayment (Nov 2025). BoE and UK Finance.

Representative example: transferring £2,275, 2.99% balance transfer fee, 0% over 35 months then 24.9% (variable) p.a. Representative 24.9% APR. Credit broker not lender. 18+ UK only. Subject to status. Moneysupermarket data correct as of 10th Nov 2025

Accurate as of 26 December 2025.

Based on the median guaranteed credit limit of users searching for credit cards to transfer an existing balance through MoneySuperMarket in November 2025, by the highest eligibility rating returned.

Based on the median guaranteed credit limit of users searching for credit cards to improve their credit rating through MoneySuperMarket in November 2025, by the highest eligibility rating returned.

Based on the median guaranteed credit limit of users searching for credit cards to earn rewards on their spending through MoneySuperMarket in November 2025, by the highest eligibility rating returned.

Based on the median guaranteed credit limit of users searching for credit cards to transfer a balance & have interest free spending through MoneySuperMarket in November 2025, by the highest eligibility rating returned.

Based on the median guaranteed credit limit of users searching for credit cards to spend abroad through MoneySuperMarket in November 2025, by the highest eligibility rating returned.

Based on the median guaranteed credit limit of users searching for credit cards to have interest free spending through MoneySuperMarket in November 2025, by the highest eligibility rating returned.

Based on the average Representative APR of users clicking out on credit cards products, to improve their credit rating through MoneySuperMarket between September 2025 and November 2025.

Based on the average Representative APR of users clicking out on credit cards products, to earn rewards on their spending through MoneySuperMarket between September 2025 and November 2025.

Based on the median Representative APR of users searching for credit cards to transfer a balance & have interest free spending through MoneySuperMarket on 25 December 2025, by the highest eligibility rating returned.

Based on the median Representative APR of users searching for credit cards to transfer an existing balance through MoneySuperMarket on 25 December 2025, by the highest eligibility rating returned.

Based on the median Representative APR of users searching for credit cards to spend abroad through MoneySuperMarket on 25 December 2025, by the highest eligibility rating returned.

Based on the median Representative APR of users searching for credit cards to have interest free spending through MoneySuperMarket on 25 December 2025, by the highest eligibility rating returned.