There are now a large selection of UK credit cards available and increased competition in the market has resulted in some attractive offers for newcomers.

On this site you can see at a glance which banks and other financial companies offer the best credit card deals. See which cards offer low interest rates, cash back deals, reward programs, and which cards could save you money by providing a 0% balance transfer facility or interest free credit on purchases. 

There is no such thing as the definitive best credit card, as the right deal for you will depend upon your circumstances and what you want from a card.  Use our compare tool to search the deals currently available in the UK.

Decision Tree

Use the decision tree below to get an idea which type of card you need.

Do you have any debts on your current credit cards?	Yes	Go for a credit card offering 0% on balance transfers for an introductory period. Check for any related fees. Moving your debts to a 0% card should save money on interest charges.
No
Do you regularly spend on your credit card?	No	Go for a card offering cashback or loyalty rewards.
Yes
Do you pay off the balance in full each month?	Yes	If you currently pay off you card balance each month and pay nothing in interest charges, go or a card which offers cashback or loyalty rewards.
No
Are you happy to apply for a new card every 6 months or so?	Yes	Go for a card offering 0% introductory rates for purchases. When the intro period expires, transfer any outstanding balance to a card offering 0% on balance transfers.
No
If you're not keen to keep switching, go for a card offering the lowest standard APR.