Live offers across tracked providers in United Kingdom — updated daily from the Giraffy database.
74 live offers compared from 29 providers, from £0 /year. Updated daily.
£0 /year
American Express Offers, Plan It instalment plans, Travel Accident Insurance, Purchase and Refund Protection, Fraud Guarantee, Global Assist
£0 /year
21 months 0% on purchases, Section 75 protection, 2.75% foreign transaction fee
£0 /year
Low interest rate on purchases and balance transfers
£0 /year
15 months 0% on balance transfers with low 0.75% fee, Section 75 protection, 2.75% foreign transaction fee
£0 /year
Digital cardless credit (no plastic card required), compatible with Apple Pay and Google Pay, no late payment fees, no overlimit fees, 0% international fees (no fees for use abroad), starting credit limit between £250 and £1,200, mobile app features including spending caps, boosted payments, and instant balance updates.
£0 /year
0% interest for the first five months on purchases; Contactless payments up to £100 with adjustable limits; manage card via mobile app (block/unblock card and view PIN); up to three additional cards for family members; Section 75 protection on purchases between £100 and £30,000; worldwide acceptance; online statements and documents.
£0 /year
0% interest for the first 12 months on purchases; Compatible with Apple Pay and Google Pay, Section 75 purchase protection on purchases between £100 and £30,000, and an average credit limit of £7,800.
£0 /year
0% interest on purchases for 3 months from account opening; Offers and discounts on shopping, dining, and travel via HSBC Home & Away; use abroad via Visa/Mastercard networks; online and mobile banking management; 24/7 worldwide assistance for lost/stolen cards; Section 75 purchase protection; contactless and digital wallet compatibility (Apple Pay/Google Pay).
£0 /year
Low interest rate on purchases and balance transfers
£0 /year
0% international transaction fees, 0% cash withdrawal fees abroad
£0 /year
Companion Voucher when you spend £15,000 per year (Economy cabin), Travel accident insurance up to £75,000, Global Assist 24/7, Plan It instalment plans
£0 /year
Points convertible to Virgin Points and Avios at 1:1 ratio, Amex Offers, American Express Experiences
£0 /year
25 months 0% on purchases, balance transfer facility
£0 /year
25 months 0% on purchases
£0 /year
24 months 0% on purchases, 21 months 0% on balance transfers
£0 /year
0% balance transfer fee
£0 /year
0% balance transfer fee
£0 /year
0% balance transfer fee
£0 /year
0% balance transfer fee
£0 /year
0% international transaction fees, 0% cash withdrawal fees abroad, low APR
£0 /year
0% international transaction fees, 0% cash withdrawal fees abroad
£0 /year
14 months 0% on purchases and balance transfers, Section 75 protection, 2.75% foreign transaction fee
£0 /year
Up to 36 months 0% on balance transfers, Section 75 protection, 2.75% foreign transaction fee
£0 /year
Low 12.9% APR, Section 75 protection, 2.75% foreign transaction fee
£0 /year
Starting credit limits £200-£1,500, monthly repayments from £25, access to Tesco Bank CreditView (TransUnion) for 3 years, Section 75 protection, 2.75% foreign transaction fee
£0 /year
Up to 35 months 0% on balance transfers, 3 months 0% on purchases, money transfer option (up to 95% of credit limit), Virgin Money Credit Card app
£0 /year
Up to 20 months 0% on purchases and balance transfers, money transfer option (up to 95% of credit limit), Virgin Money Credit Card app
£0 /year
Initial credit limit between £250 and £1500 with potential for increases; Aqua Coach credit builder tool; Mobile app for 24/7 management; Boosted Payments option to clear balance faster; 24/7 fraud protection; Mastercard acceptance at over 35 million places; Text reminders; Contactless payment; UK-based call centre support.
£0 /year
Up to 56 days interest-free period on purchases if the balance is paid in full. Section 75 protection on purchases between £100 and £30,000.
£0 /year
Compatible with Apple Pay and Google Pay; access to Asda Money Credit Card app.
£0 /year
Starting credit limit of £200 to £1,500, up to two credit increases per year, award-winning mobile app to manage card and see PIN, flexible credit limits, up to 56 days interest-free on new spends if the balance is paid off each month, Section 75 protection on purchases between £100 and £30,000, and 24/7 fraud security.
£0 /year
Up to £8,000 starting credit limit, 0% interest on purchases for 3 months, award-winning app, flexible credit limits, Section 75 protection on purchases between £100 and £30,000.
£0 /year
0% on purchases for up to 12 months. Section 75 protection on purchases between £100-£30,000. Mobile app. Free email & text alerts. Add up to 3 additional cardholders.
£0 /year
56 days interest-free on purchases. Section 75 protection. Free text reminders. Mobile app. Add up to 3 additional cardholders.
£0 /year
Contactless payments. Manage account via smartphone or online. Regular email alerts when near limit. QuickCheck pre-approval tool with no credit report impact.
£0 /year
0% interest for up to 20 months on purchases; Money transfer option (up to 95% of credit limit to current account), manage account and rewards via the Virgin Money Credit Card app, Section 75 protection on purchases between £100 and £30,000.
£0 /year
0% non-sterling transaction fees when spending abroad; LoungeKey access to over 1,100 airport lounges (£24 fee per person); additional cards with tailored spending limits; contactless payments up to £100; Apple Pay and Google Pay; biometric authentication for online payments. Available to Coutts clients only.
£0 /year
0% non-sterling transaction fees when spending abroad; LoungeKey access to over 1,100 airport lounges (£24 fee per person); additional cards with tailored spending limits; contactless payments up to £100; Apple Pay and Google Pay; biometric authentication for online payments. Available to Coutts clients only. Must be paid in full monthly.
£0 /year
Average credit limit offered of £7,800 (based on 2025 applications); compatible with Apple Pay and Google Pay; Section 75 purchase protection on purchases between £100 and £30,000.
£0 /year
Track credit score via TransUnion in the Fluid app, instalment plans, payment alerts, eligibility check with no impact on credit score, offers and discounts at high street retailers, and compatibility with Apple Pay and Google Pay.
£0 /year
0% interest for up to 20 months on purchases; Offers and discounts on shopping, eating out, travel, and family days out via the Home & Away program; Section 75 purchase protection, mobile and online banking management, international card use, 24/7 worldwide assistance and emergency cash, and digital wallet compatibility (Apple Pay and Google Pay)
£0 /year
0% interest for 6 months on purchases from account opening; Mastercard Priceless access for experiences/travel; 24/7 worldwide assistance for lost/stolen cards and emergency cash; Contactless and digital wallet ready (Apple Pay/Google Pay); Manage via HSBC Mobile Banking app or online banking.
£0 /year
Credit building or boosting functionality, credit limit up to £1,000, Section 75 purchase protection, mobile banking app management (card freezing, balance checks), contactless and digital wallet compatibility (Apple Pay and Google Pay), offers and discounts on shopping, eating out, travel, and family days out via the Home & Away program, and the ability to access international credit history for applications.
£0 /year
Spend abroad with no fees from us. Control your card via app to see spending and next payment due.
£0 /year
0% interest on purchases for 15 months. Spend abroad with no fees from us. Control your card via app.
£0 /year
No foreign transaction fees on purchases abroad. Free credit score from TransUnion. Apple Pay and Google Pay. Section 75 protection.
£0 /year
0% on purchases for 3 months. Section 75 protection on purchases from £100 to £30,000.
£0 /year
0% on purchases for 3 months. Section 75 protection on purchases from £100 to £30,000.
£0 /year
Pay 3% less interest after 12 months if used responsibly. Build your credit score. Section 75 protection.
£0 /year
0% per annum for first 4 months on purchases. Must have held a Co-operative Bank or smile current account for at least 7 months.
£0 /year
8.9% interest per annum fixed for 3 years on purchases and balance transfers. Works with Apple Pay, Google Pay and Samsung Wallet. No balance transfer fee.
£0 /year
Works with Apple Pay, Google Pay and Samsung Wallet. Must have held a Co-operative Bank or smile current account for at least 7 months.
£0 /year
Interest-free purchases if paid in full within 56 days. Digital Wallet support (Apple Pay and Google Pay). UK-based customer helpline. Credit limit review after 3 months.
£0 /year
Invitation-only card for existing NewDay customers. Use worldwide with Mastercard. Apple Pay and Google Pay support. No annual fees.
£0 /year
Zero transaction fees abroad. 35-day interest-free period. Free credit score from Equifax. Apple Pay and Google Pay. No monthly or over-limit fees.
£0 /year
Zero transaction fees abroad. Free credit score from Equifax. Apple Pay and Google Pay.
£0 /year
Credit building card. Open banking technology for approval decisions. Managed through Zable platform.
£0 /year
0% for up to 23 months on purchases. Section 75 protection on purchases from £100 to £30,000.
£0 /year
Section 75 protection. No cash advance fee for M&S Travel Money. Up to 55 days interest-free credit.
£0 /year
0% interest on shopping for up to 25 months. Section 75 protection. Up to 55 days interest-free credit.
£0 /year
Section 75 protection. 0% interest on purchases for 3 months.
£8 /year
Up to 56 days interest-free credit when balance is paid in full; contactless payments up to £100; secure online shopping authentication; emergency cash service up to $5000 if card is lost or stolen abroad; 24/7 telephone support for emergencies.
£24 /month
£24 /month
£24 /month
£24 /month
£75 /year
Priority Pass with access to over 600 executive airport lounges, emergency cash service up to USD $5,000 if lost or stolen abroad, contactless payments for transactions under £100, and secure online shopping.
£100 /month
£100 /month
£100 /year
£100 /year
£195 /year
£5 Deliveroo credit twice monthly (£120/year), 4 Priority Pass lounge visits yearly, Hotel Collection benefits (room upgrades + US$100 credit on 2+ night stays), Amex Experiences access, Amex Offers, Travel Insurance
£300 /year
Companion Voucher when you spend £15,000 per year (any cabin), Access to additional Club World Reward seats, Travel accident insurance up to £250,000, Travel inconvenience insurance, Global Assist 24/7
£650 /year
£200 UK dining credit + £200 abroad dining credit annually, Priority Pass & Global Lounge Collection access (1,550+ lounges), worldwide travel insurance, Fine Hotels + Resorts benefits, Metal card, The Times digital subscription, Amex Offers, Purchase and Refund Protection
The UK credit card market is one of the most competitive and consumer-friendly in the world. Unlike many other countries, UK credit cards are overwhelmingly free — the vast majority carry no annual fee. The market is shaped by strong consumer protection laws, transparent APR requirements, and a culture of 0% introductory deals that make credit cards a powerful financial tool when used wisely.
UK credit cards fall into several distinct categories, each designed for a specific purpose: 0% balance transfer cards for consolidating existing debt, 0% purchase cards for spreading the cost of large purchases, cashback and rewards cards for earning on everyday spending, travel cards for fee-free spending abroad, and low APR cards for those who carry a balance. Understanding which type suits your needs is the key to choosing the right card.
0% Balance Transfer Cards — The UK's most popular credit card category. These cards let you transfer existing credit card debt and pay 0% interest for a set period (typically 12–35 months), giving you time to pay off the balance without accruing interest. Some cards charge a transfer fee (typically 0–3.5% of the amount transferred), while others are completely fee-free. Virgin Money, Tesco Bank, and Barclaycard are leading providers in this space.
0% Purchase Cards — These cards offer a 0% interest period on new purchases (typically 12–25 months). Ideal for spreading the cost of large purchases like furniture, appliances, or holidays without paying interest. Lloyds Bank, TSB, and Barclaycard offer some of the longest 0% purchase periods.
Cashback Cards — Earn a percentage of your spending back as cash. The American Express Everyday Cashback card offers 5% for the first 5 months (up to £125) then 0.5–1% ongoing. Barclaycard Rewards offers 0.25% with no foreign transaction fees.
Travel Rewards Cards — Earn points or airline miles on spending. The UK market is dominated by Avios (British Airways/IAG loyalty currency) and American Express Membership Rewards points. Premium cards like the Amex Platinum and BA Premium Plus offer airport lounge access, travel insurance, and companion vouchers.
Travel (No Foreign Fee) Cards — Cards designed for use abroad with 0% foreign transaction fees. The Halifax Clarity, Barclaycard Rewards, and Lloyds Ultra are popular choices for holidaymakers and frequent travellers.
Low APR Cards — For those who regularly carry a balance, low APR cards offer a consistently low interest rate (typically 12.9% vs the market average of 24.9%). Halifax, Lloyds Bank, and MBNA offer competitive low-rate options.
Credit Building Cards — Designed for people with limited or poor credit history. Higher APRs but accessible approval criteria. The Tesco Foundation card combines credit building with Clubcard Points earning.
Representative APR — UK law requires credit card providers to display a "representative APR" that at least 51% of successful applicants will receive. This is the headline rate you'll see advertised and is the best way to compare the cost of borrowing across cards. Representative APRs in the UK typically range from 12.9% for low-rate cards to 29.9% for standard and rewards cards.
Annual Fee — Most UK credit cards have no annual fee. Premium rewards and travel cards (typically from American Express) charge annual fees from £195 to £650, but offset these with rewards, lounge access, travel insurance, and dining credits that can exceed the fee value for regular users.
Balance Transfer Fee — When transferring a balance at 0%, most cards charge a one-off fee of 0–3.5% of the amount transferred. Some cards (Barclaycard, NatWest, RBS, Santander) offer 0% transfers with no fee at all — though the 0% period may be shorter.
Foreign Transaction Fee — Standard UK credit cards typically charge 2.75–2.99% on purchases made in foreign currencies. Travel-focused cards from Halifax, Barclaycard, and Lloyds waive this fee entirely, saving significant amounts for regular travellers.
American Express dominates the UK rewards card market with its Membership Rewards points (transferable to airlines and hotels), Avios-earning BA cards, and premium cards offering airport lounge access and travel insurance. Amex acceptance in the UK is widespread but not universal.
Barclaycard is one of the UK's largest credit card issuers, known for strong 0% balance transfer and purchase deals, plus the Rewards card with no foreign transaction fees.
Tesco Bank offers a unique proposition: every card earns Clubcard Points on all spending, with options spanning balance transfers, purchases, low APR, and credit building. Points are redeemable at Tesco and with Reward Partners at up to 2x value.
Virgin Money offers some of the longest 0% balance transfer periods in the market (up to 35 months) with a money transfer option that lets you move credit to your bank account.
Lloyds Banking Group (Lloyds Bank, Halifax, MBNA) collectively offers cards across every category: long 0% periods, low APR, travel-friendly, and cashback.
Section 75 — One of the most powerful consumer protections in the world. Under the Consumer Credit Act 1974, your credit card provider is jointly liable with the retailer for purchases between £100 and £30,000. If a retailer goes bust or goods are faulty, you can claim a full refund from your card provider. This protection applies to all UK credit cards and is a compelling reason to use a credit card for significant purchases.
Will applying for a credit card affect my credit score?
Yes — each application triggers a hard credit search that appears on your credit file. Multiple applications in a short period can negatively impact your score. Many providers now offer eligibility checkers that perform a soft search (invisible to other lenders) to show your likelihood of acceptance before you apply.
What's the difference between APR and interest rate?
The interest rate (or purchase rate) is the annual percentage charged on balances. The APR (Annual Percentage Rate) includes the interest rate plus any compulsory fees (like an annual fee), giving a more complete picture of the total cost. For cards with no annual fee, the APR and purchase rate are typically the same.
Can I use a 0% balance transfer card for new purchases?
You can, but be careful. Most 0% balance transfer cards charge the standard purchase rate (typically 24.9%) on new purchases. Only combined "0% purchase and balance transfer" cards offer 0% on both. If you use a BT card for purchases, repayments are allocated to the 0% balance first, meaning your purchases accrue interest.
Are American Express cards widely accepted in the UK?
Acceptance has improved significantly. Most large retailers, supermarkets, restaurants, and online merchants accept Amex. However, some smaller independent businesses and certain transport operators (like TfL contactless) may not. Many Amex cardholders carry a Visa or Mastercard as backup.
The cheapest Credit Cards in United Kingdom is £0 /year from American Express.
Minimum score requirements vary by card and issuer. In United Kingdom, scores are reported by Experian, Equifax, or TransUnion. Premium rewards and travel cards typically require a good-to-excellent score, while secured or entry-level cards are available with lower or no credit history. Checking eligibility with a soft search won't affect your score.
Giraffy tracks 5 credit cards across American Express,Tesco Bank,MBNA Limited,Bip banks in United Kingdom. Use the 'No Foreign Fees' filter on the card detail to find cards that don't charge for overseas spending — useful if you travel or shop in foreign currencies online.
A balance transfer moves your existing credit card debt to a new card, often at 0% interest for an introductory period. You typically pay a one-off transfer fee (1–3%). If you can repay the balance before the 0% period ends, you save on interest — check the revert rate carefully.
Rewards cards earn points, miles, or cashback on every purchase. Cashback is the simplest — a percentage of spending returned as cash. Points and miles can be worth more if redeemed for flights or hotels, but require more active management. Annual fees are often offset if you spend above a certain threshold.
Yes — several cards tracked by Giraffy in United Kingdom charge no annual fee. They typically offer fewer perks than premium cards, but are the most cost-effective choice if you pay your balance in full each month and want a card purely for convenience or building credit history.
If you pay your full statement balance by the due date each month, you pay zero interest. Interest only applies to carried balances, cash advances, or missed payments. The representative APR shown on each card covers all standard purchase interest — compare APRs when choosing a card you might not always pay off in full.
Your credit limit is the maximum you're allowed to borrow at any time. Your available balance is what's left after deducting current transactions. Staying well below your limit — ideally under 30% — helps maintain a healthy credit utilisation ratio, which is a key factor in your credit score.