Looking for a 0% interest rate? Need a good credit card for new spending? Fancy upgrading to a gold or platinum credit card? Whatever you need our UK credit card best buy recommendations can help.
The most important difference between credit cards is obviously the interest rate they charge to lend you money. As most switched-on people are aware credit card providers are competing for our business with zero percent interest offers.
Despite many pundits claiming that the zero percent deals are on the way out, there doesn’t seem to be any sign of their demise. In fact the special offers are getting better and better, so why not take full advantage?
The best balance transfer credit card dealsIf you have a sizeable credit card balance and you are either paying your card’s standard APR or coming to the end of a 0% interest introductory period then transfer your debt to one of our best buy cards to save yourself hundreds of pounds a year.
| Credit card | Interest Rate | Interest p.a. on £2,000 |
| Virgin credit card | 0% for 13 months | £0 |
| High Street card | 16.9% | £364 |
Click here to see all our balance transfer best buy cardsThe best new purchases credit cardsIf you spend a lot on your credit card - or you are about to shell out on a holiday or major purchase - and you don’t want to pay interest these the cards for you. Again, applying for one of these cards ahead of time could save you hundreds over a year.
| Credit card | Interest rate | Interest p.a. on £2,000 |
| Sainsbury’s Bank card | 0% for ten months | £53 |
| High Street card | 16.9% | £364 |
Learn more about the Sainsbury’s card and our other best buysThe best credit cards if you don’t like switchingRegular readers will know that we advise people to keep switching from one 0% deal to another and pay no interest at all. If you would rather not do that but you still don’t want to pay a high interest rate these are the cards for you.
| Credit card | Interest rate | Interest p.a. on £2,000 |
| Barclays Simplicity | 6.8% | £134 |
| High Street card | 16.9% | £364 |
Learn more about the Barclays Simplicity card and our low rates best buys hereUpgrade to a Gold or Platinum credit cardIf you already have an existing balance to transfer, or you are looking for a completely new card, our best buys will help you find a better deal.
Transferring a balance?See all our Gold & Platinum balance transfer best buy cardsMaking new purchases?| Credit card | Interest Rate | Interest p.a. on £2,000 |
| NatWest Platinum card | 0% for nine months | £56 |
| High Street card | 16.9% | £364 |
See our Gold & Platinum new purchases best buys hereLooking for cashback or other rewards?If you regularly pay your balance off in full each month then you should consider credit cards which reward you for the spending you make. Which card will suit you depends on what you are looking for.
You can give money to AIDS charities with the
Amex Red card, earn nectar points with the
Amex Nectar card (go figure), or get straight cashback with the Amex Blue card, other options include
Buy and Fly! Points from Morgan Stanley or other rewards from
MBNA’s Amex Rewards card.
Check out our Rewards card best buys here and learn more
