Credit Cards UK

Credit Cards UK

Find the best UK credit cards online. Compare credit card deals to find companies offering 0% introductory, 0% balance transfer, cashback and low APR offers.

Welcome to credit-cards.uk.com. The aim of this UK credit cards website is to save you time and money choosing a credit card that best suits your needs.

We provide four 'best buy tables' that detail the best credit card deals currently available, as defined by the four categories below. The site also offers advice on what you should look for when choosing a credit card. It is impossible to answer the question 'Which is the single best credit card currently available?' as it depends on how you intend to use your card.

The trick is to select a card with the characteristics enabling you to save you the most money. Below you will find guidance on what criteria you should focus on, depending on how you plan to use your card. You can also find additional information on making the decision of which credit card to choose.

Don't forget, as long as you have a decent credit rating, there is no reason why you cannot jump from one card to the next every six months in order to maximise the low interest rates on offer, or even get a couple of cards each with its own advantages. You can then use the card which is going to benefit you most in any given situation.

I will pay off the balance in full each month

You should focus on criteria that does not relate to the card's interest rate. You may want to consider a donation card or a card which offers cash back or reward points. See Cash Back Deals for details of the best casback cards available.

I always seem to have an outstanding balance on my credit card

You need to focus on the credit card's interest rates. If you are shrewd you can 'surf' different credit cards, taking advantage of the many 0% Introductory offers available, before moving on to the next card once the introductory period ends, and so on. Otherwise, you should ensure that the card you opt for has a low standard rate of interest.

I want to purchase a number of items and pay for them over the following 6 months

The introductory interest rate will be of most importance. If you plan on using the card after the 6 month period and do not expect to pay off the full balance each month, the card's standard interest rate will also be of importance. Alternatively, you could always apply for a new card with a competitive standard interest rate at the end of the 6 month period and transfer the balance.

I want to reduce the interest payments on my existing credit cards

You should think about transferring the balances to a new card with a low introductory interest rate for balance transfers. Some cards offer a special rate for balances that are transferred on application of the card which is then held for as long as it takes to pay off that balance. There are quite a few of these 0% Balance Transfer offers available.