Welcome to CreditCards.co.ukWelcome to CreditCards.co.uk, the credit cards guide from the Financial Services Network. We can help you find the best credit card deals, whatever kind of plastic you are looking for.

We also offer a credit card comparison and glossary.


Compare Best Selling 0% Balance Transfer Cards

Best Selling 0% Balance Transfer and 0% Purchase Cards
 Virgin
Virgin Credit Card
Bal Transfer: 15 mths
APR: 15.9%
0% Purchase: 3 mths
 
 MBNA Platinum
MBNA Platinum 
Bal Transfer: Jun 09
APR: 15.9%
0% Purchase: Aug 08
Egg
Egg
Bal Transfer: 15 mths
APR: 16.9%
0% Purchase: 3 mths
 
 Capital One
Capital one
Bal Transfer: Mar 09
APR: 9.9%
0% Purchase: Mar 09


Compare Best Selling Poor Credit History Credit Cards

Best Selling Poor Credit History Credit Cards
 Aqua
Aqua Credit Card
A card designed for those who experience difficulty getting credit
 
 Vanquis
Vanquis Credit Card
For those who have poor credit, CCJ's, low income or new to credit

Compare Best Selling 0% Purchase Cards

Best Selling 0% Purchase Cards
  Capital One Platinum
Capital one
0% on purchases and Balance Transfers until May 09 plus low APR of 12.9%
Apply
 
 HSBC
HSBC Credit Card
RBS
RBS Credit Card
0% on purchases for 6 months plus 0% BT for 13 months
 Apply
 

Compare Best Selling Loyalty Cards

Best Selling Loyalty Reward Cards
 MBNA Rewards
MBNA Rewards
'Earn reward points and redeem against flights, shopping vouchers, cash and more
 
Barclaycard
Barclaycard
2% cashback on s/market and petrol spend and 0.5% on all other
 Amex Platinum
Amex Platinum Credit Card
5% Moneyback for 3 months then 1.5% thereafter
 
  Nectar
Nectar Credit Card
Earn points and redeem against rewards


Compare Best Selling Charity Cards

Best Selling Charity Cards
 MBNA Breast Cancer
MBNA Breast Cancer credit card
0% on balance transfers and purchases plus contribution to breast cancer.
 
 Co-operative Bank Credit Card
Cooperative Bank Credit Card
Half an acre of Brazilian rainforest purchased and protected in your name when you use your card.
 MBNA WWF
MBNA WWF
0% on balance transfers and purchases plus contribution to World Wildlife Fund.
 
MBNA National Trust
0% balance transfers and purchases plus support National Trust

Please note balance transfers are subject to 2-3% handling fee



Factors to Consider

The main factors to consider from a credit card are the long term interest rates, and the level of any additional services or rewards offered. Remember to look for a good value long term APR, rather than being tempted by 0% APR offers alone (read our advice section for more on this).

Reducing Your Monthly Payments

You may also be looking to reduce your current monthly payments. Whilst balance transfer offers, or low interest rates on purchases may help you to do this, remember that taking a look at your credit cards as part of an overall review of your borrowing may open up ways to reduce your payments further. A personal loan, home-owner loan, or a remortgage package on your house may be options worth considering.

Which credit card is best for...

We can also show you which credit cards are best for international transactions, and which ones are best if you are looking for cash back or other rewards. We can also answer your concerns about card fraud, and show which cards are best for online purchases. You may also be considering applying for a gold or platinum card, and wondering if these offer any benefits beyond a boost to your ego.

Credit Card Advice, Glossary & Questions

For a general introduction to how to find the best credit card to suit your needs, and how to make the best use of your existing cards, please read our credit card advice guide. Our glossary defines the major terms relating to credit cards, and our questions and answer section covers a number of common queries regarding credit and debit cards in the UK.

What they don't like to tell you

With the constant daily bombardment of credit card offers through the post, on TV, and on websites, some deals can appear to be very appealing. We take a look at the small print on some typical offers, so you know who really has the best deals. For example, do you know how interest is calculated on balance transfers? Do you know how much you are charged when you use your card outside the UK? [More]

Caution: One At A Time

Please be aware that every loan or credit application you make will be recorded by the credit reference agencies such as Equifax and Experian. This can have a negative effect on your future credit rating. Use our glossary to help you select the right kind of credit card for your circumstances. [More]


Apacs Card Watch is the UK banking industry's body that works with police, retailers and organisations including Crimestoppers to fight plastic card fraud.