Compare credit cards for March 2024

NatWest Credit Card

Finder score

★★★★★

Expert analysis

12.9%

12.9%
(0% fee)

£0

12.9% APR (variable)

Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).

Go to site

Read review

Compare

Fetching your data...

The Royal Bank Credit Card

Finder score

★★★★★

Expert analysis

12.9%

12.9%
(0% fee)

£0

12.9% APR (variable)

Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).

Go to site

Read review

Compare

Fetching your data...

Santander Everyday Long Term Balance Transfer Credit Card

Finder score

★★★★★

Expert analysis

0% for 3 months reverting to 23.9%

0% for 26 months
(3% fee)

£0

23.9% APR (variable)

Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).

Check eligibility

Read review

Compare

Fetching your data...

Royal Bank of Scotland Longer Balance Transfer Credit Card

Finder score

★★★★★

Expert analysis

0% for 3 months reverting to 24.9%

0% for 23 months
(3.49% fee)

£0

24.9% APR (variable)

Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).

Go to site

Read review

Compare

Fetching your data...

NatWest Balance Transfer Credit Card

Finder score

★★★★★

Expert analysis

0% for 3 months reverting to 24.9%

0% for 13 months
(0% fee)

£0

24.9% APR (variable)

Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).

Go to site

Read review

Compare

Fetching your data...

Finder score

★★★★★

Expert analysis

0% for 3 months reverting to 24.9%

0% for 26 months
(3.49%, min £5 fee)

£0

24.9% APR (variable)

1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.

Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).

Check eligibility

Read review

Compare

Fetching your data...

Royal Bank of Scotland Balance Transfer Credit Card

0% for 15 months reverting to 23.9%

0% for 15 months
(0% fee)

£3 per month

29.8% APR (variable)

0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.

Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).

Check eligibility

Read review

Compare

Fetching your data...

American Express® Rewards Credit Card

Finder Award

Finder score

★★★★★

Expert analysis

31%

31%
(3% fee)

£0

31% APR (variable)

Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1,000 points) to shop, other rewards have differing conversions.

Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).

Check eligibility

Read review

Compare

Fetching your data...

Royal Bank of Scotland Reward Credit Card

Finder score

★★★★★

Expert analysis

25.9%

25.9%
(0% fee)

£24 per annum. Reward Current Account holders: £0 per annum

31% APR (variable)

Earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.

Representative example: When you spend £1,200 at a purchase rate of 25.9% (variable) p.a. with a fee of £24 per annum. Reward Current Account holders: £0 per annum, your representative rate is 31% APR (variable).

Go to site

Read review

Compare

Fetching your data...

British Airways American Express® Credit Card

Finder Award

Finder score

★★★★★

Expert analysis

31%

31%
(3% fee)

£0

31% APR (variable)

Earn 5,000 points when you spend £1,000 within 3 months of account opening. Terms apply. UK 18+, subject to status. Earn 1 Avios for virtually every £1 spent.

Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).

Check eligibility

Read review

Compare

Fetching your data...

NatWest Reward Credit Card

Finder score

★★★★★

Expert analysis

25.9%

25.9%
(0% fee)

£24 per annum. Reward Current Account holders: £0 per annum

31% APR (variable)

You'll earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.

Go to site

Read review

Compare

Fetching your data...

OFFER

Amex® Cashback Everyday Credit Card

Finder Award

OFFER

Finder score

★★★★★

Expert analysis

31%

31%
(3% fee)

£0

31% APR (variable)

New Cardmembers get 5% cashback on your purchases (up to £125) for the first 5 months of Cardmembership. Offer ends 9 April 2024. Terms and minimum spend apply. 18+, subject to status. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.

Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).

Check eligibility

Read review

Compare

Fetching your data...

Barclaycard Forward Credit Card

Finder score

★★★★★

Expert analysis

0% for 3 months reverting to 33.9%

33.9%
(0% fee)

£0

33.9% APR (variable)

Rate discounts: 3% interest rate reduction if you make all your repayments on time for the first year, and a further drop of up to 2% more if you continue to do so in the second year.

Representative example: When you spend £1,200 at a purchase rate of 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).

Check eligibility

Read review

Compare

Fetching your data...

Amex® Cashback Credit Card

Finder Award

Finder score

★★★★★

Expert analysis

31%

31%
(3% fee)

£25 per annum

36.7% APR (variable)

Welcome offer: Get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases.

Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of £25 per annum, your representative rate is 36.7% APR (variable).

Check eligibility

Read review

Compare

Fetching your data...

American Express® Nectar Credit Card

Finder Award

Finder score

★★★★★

Expert analysis

31%

31%
(3% fee)

Year 1 - £0, Year 2 onwards - £30 per annum

37.8% APR (variable)

New welcome offer: Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.

Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 37.8% APR (variable).

Check eligibility

Read review

Compare

Fetching your data...

Royal Bank of Scotland Reward Black Credit Card

Finder score

★★★★★

Expert analysis

21.9%

21.9%
(0% fee)

£84 per annum. Reward Black Current Account holders: £0 per annum

40.7% APR (variable)

Earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).

Go to site

Read review

Compare

Fetching your data...

NatWest Reward Black Credit Card

Finder score

★★★★★

Expert analysis

21.9%

21.9%
(0% fee)

£84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum

40.7% APR (variable)

You'll earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum, your representative rate is 40.7% APR (variable).

Go to site

Read review

Compare

Fetching your data...

The Marriott Bonvoy American Express Card

Finder Award

Finder score

★★★★★

Expert analysis

31%

31%
(3% fee)

£95 per annum

54.8% APR (variable)

Earn 20,000 bonus Marriott Bonvoy ® points when you spend £3,000 in the first 3 months of Cardmembership. 18+, subject to status. Terms apply.

Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of £95 per annum, your representative rate is 54.8% APR (variable).

Check eligibility

Read review

Compare

Fetching your data...

FAQs

What is the 2 3 4 rule for credit cards? ›

According to cardholder reports, Bank of America uses a 2/3/4 rule: You can only be approved for two new cards within a 30-day period, three cards within a 12-month period and four cards within a 24-month period.

Which bank credit card is best in the UK? ›

The best credit cards - May 2024

Best for	Card	Representative APR (variable)
Rewards points	American Express Preferred Rewards Gold Credit Card	88.80%
Travelling abroad	Barclaycard Rewards Credit Card	28.90%
Low APR	Lloyds Bank Premium Low Rate Credit Card	10.90%
Business spending	Barclaycard Select Cashback Credit Card	27.50%

7 more rows

View Details ›

What is the most accepted credit card in England? ›

This will usually be either Visa, Mastercard or American Express. Visa cards are accepted in shops, restaurants and other businesses around the globe – wherever you see the Visa logo.

Discover More Details ›

When comparing credit cards what is usually the most important item to compare? ›

Annual Percentage Rate (APR).

You can compare the APR for different cards which will help you to choose the cheapest. You should also compare other things about the cards, for example, fees, charges and incentives.

What is the 2 90 rule for credit cards? ›

Two Credit Cards Every 90 days

If you apply for two credit cards on the same day, data points suggest one of your applications will be put on hold as an automatic fraud prevention mechanism. There are conflicting reports on how charge cards are counted in this two-card limit.

View Details ›

What is the golden rule of credit cards? ›

The golden rule of credit card use is to pay your balances in full each month. “My best advice is to use a credit card like a debit card — paying in full to avoid interest but taking advantage of credit cards' superior rewards programs and buyer protections,” says Rossman.

What is the easiest credit card to get in the UK? ›

These are the easiest in order of likelihood to be accepted.

Aqua Credit Card.
Vanquis Credit Card.
Capital One.
The Easy Loans Credit Card.

Read On ›

Why are US credit cards better than UK? ›

Rewards programs are much less generous in the U.K. than in the U.S. European Union (EU) regulations cap the amount that card brands can charge merchants, meaning there is less money to be spent rewarding consumers. American Express is the undisputed king of the U.K. rewards space, due to its exemption from the cap.

Find Out More ›

What is the most popular card in UK? ›

Biggest international and domestic payment card schemes in the UK 2016-2022. Visa's market share in the UK decreased six percentage points between 2020 and 2021, although it remained the country's biggest payment card brand.

Can I use a US credit card in the UK? ›

American credit cards work throughout Europe (at hotels, larger shops and restaurants, travel agencies, car-rental agencies, and so on); Visa and MasterCard are the most widely accepted. American Express is less common, and the Discover card is unknown in Europe.

What is the hardest credit card to get accepted for? ›

Hardest Credit Card to Get Overall

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

Get More Info ›

What is the best way to compare credit cards? ›

Compare cards on these fundamental features

Recommended credit score. The features of a credit card don't matter much if your application is rejected. ...
Card type. ...
Annual fee. ...
Bonus offer. ...
Rewards rate. ...
Intro APR. ...
Ongoing APR. ...
Pros and cons.

View Details ›

How many credit cards should I have in the UK? ›

There's no right or wrong number of credit cards to have. It depends on your financial circ*mstances, your credit score and how you manage your finances. However, there are a few questions you should ask yourself before you get another credit card: What are the benefits of this card and do you need them?

View Details ›

What is a good APR for a credit card? ›

An APR is considered to be a good rate when it is at or below the national average, which currently sits at 20.40%, according to the Fed. This means that a credit card offering a fixed rate lower than 20.40% or a variable rate with a maximum of 20.40% would be considered a good APR for the average borrower.

See Details ›

What is the 5 24 rule on credit cards? ›

The 5/24 rule is an unofficial policy that dictates that Chase won't approve you for its cards if you've opened five or more personal credit card accounts from any issuer in the last 24 months. Put simply, the number of cards you've opened in the previous two years will affect your approval odds with Chase.

See Details ›

What is the 50 30 20 rule for credit card payments? ›

Budgeting with the 50-30-20 rule

All you need to do to make a monthly budget with the 50-30-20 rule is split your take-home pay (that is, after taxes and deductions) into three categories: 50% goes towards necessary expenses. 30% goes towards things you want. 20% goes towards savings or paying off debt.

Get More Info Here ›

Is it better to make two payments a month on a credit card? ›

If you typically carry a balance on your credit card from one month to the next, then making multiple payments during each billing cycle can reduce your interest charges overall. That's because interest accrues based on your average daily balance during the billing period.

View Details ›

What is the credit card payment trick? ›

You make one payment 15 days before your statement is due and another payment three days before the due date. By doing this, you can lower your overall credit utilization ratio, which can raise your credit score. Keeping a good credit score is important if you want to apply for new credit cards.

Discover More Details ›

Compare credit cards for March 2024 | Finder UK (2024)

FAQs

What is the 2 3 4 rule for credit cards? ›

Can I use a US credit card in the UK? ›