How do I compare credit cards in the UK?
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In short: Match card type to your goal — 0% purchase, balance transfer, credit builder or rewards — then compare representative APR, fees, interest-free period and eligibility. Use soft-search tools before applying; rewards only work if you pay in full monthly.
Content updated:
Factor balance transfer fees (often 2%–3%) and annual fees into total cost.
Section 75 protection applies to purchases between £100 and £30,000 on credit cards.
See our compare credit cards guide and 0% cards explained.
Part of our Banking & current accounts
This quick answer sits inside our wider banking & current accounts hub — with sub-guides, calculators and step-by-step explainers on the same topic.
Read the full banking & current accounts guide →