Top 10 UK Credit Cards
Posted December 23rd, 2008 and last modified October 24th, 2009Don’t have the time to find the best credit card? Let us help you out. Below are the best credit cards on offer based on lifestyle and financial situation in a comparison table.
Note that our rating of ‘Best’ is subjective. For instance, we may not say the card in the UK with the lowest cash advance rate is the ‘Best Cash Advance Card’ as it has a higher annual fee and other features to cancel out its beneficial cash advance rate.
Comparison of Top 10 Credit Card Offers
| Credit Card |
Card Details |
Interest Rate | Cash Advance Rate | Balance Transfer Rate |
Annual fee |
Interest free days |
|
|---|---|---|---|---|---|---|---|
|
The Halifax All in One credit card offers a great introductory rate, and is perfect for saving
you money now as well as in the future. |
15.9% APR | 27.95% p.a. (variable) | 0% for 9 months | No Annual Fee | 59 Days interest free |   |
|
As well as a great rate, the Virgin Credit Card comes with:
|
16.6% APR (variable) | 27.9% p.a. (variable) | 0% for 16 Months (2.98% fee on balance transfers) | No Annual Fee | 50 days on card purchases |
|
 Capital One Classic Visa |
This card is designed for people with bad credit ratings, this is why the rate is quite high. | Typical 34.9% APR variable | 34.9% APR | 34.9% APR | No Annual Fee | 56 days for purchases. 0 days for balance transfers and cash. | |
 Virgin Atlantic White Card |
As well as earning Flying Club miles which you can spend on brilliant rewards like flights, upgrades, car hire and more, a Virgin
Atlantic Credit Card gives you up to 46 days interest free on card purchases. |
17.9% APR typical rate | 20.9% p.a. (variable) | 0% for 6 months (2% handling fee) | No Annual Fee | Up to 46 days on card purchases only. | |
 credit-cards/ Virgin Prepaid MasterCard |
The Virgin Prepaid MasterCard from Virgin Money is a prepaid Mastercard that you can add funds to, and use these funds for normal
purchases. |
N/A | N/A | N/A | N/A | N/A | |
 American Express Platinum Moneyback |
5% cashback on purchases in your first three months (up to £4,000 of spend). Thereafter, earn 0.5% on the first £3,500, 1%
on £3,501 to £10,000, and 1.5% after £10,001. |
18.9% p.a. | 27.9% p.a. | 18.9% p.a | No Annual Fee | 56 days for purchases. 0 days for balance transfers and cash. | |
 Vanquis Visa Card |
Vanquis Visa Card is designed for people with no credit history or who have previously had bad debt. | 39.9% APR variable | 39.9% | 39.9% | No Annual Fee | Up to 56 days on card purchases only | |
 cashplus prepaid gold MasterCard |
The award winning prepaid card with no credit check or bank account needed. | Funds in your Account will not earn interest | Prepaid only – N/A | Prepaid only – N/A | £59.40 p.a. (£4.95/month) | Prepaid only – N/A | |
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Comparison of Top 10 Credit Card Offers
| Credit Card | Card Details | Interest Rate | Cash Advance Rate | Balance Transfer Rate | Annual fee | Interest free days | ||
|---|---|---|---|---|---|---|---|---|
|
Halifax All in One Credit Card |
The Halifax All in One credit card offers a great introductory rate, and is perfect for saving you money now as well as in the future. | 15.9% APR | 27.95% p.a. (variable) | 0% for 9 months | No Annual Fee | 59 Days interest free |
|
|
|
Virgin Credit Card |
As well as a great rate, the Virgin Credit Card comes with:
|
16.6% APR (variable) | 27.9% p.a. (variable) | 0% for 16 Months (2.98% fee on balance transfers) | No Annual Fee | 50 days on card purchases |
|
|
|
Capital One Classic Visa |
This card is designed for people with bad credit ratings, this is why the rate is quite high. |
Typical 34.9% APR variable | 34.9% APR | 34.9% APR | No Annual Fee | 56 days for purchases. 0 days for balance transfers and cash. |
|
|
|
As well as earning Flying Club miles which you can spend on brilliant rewards like flights, upgrades, car hire and more, a Virgin Atlantic Credit Card gives you up to 46 days interest free on card purchases. |
17.9% APR typical rate | 20.9% p.a. (variable) | 0% for 6 months (2% handling fee) | No Annual Fee | Up to 46 days on card purchases only. |
|
|
|
|
The Virgin Prepaid MasterCard from Virgin Money is a prepaid Mastercard that you can add funds to, and use these funds for normal purchases. |
N/A | N/A | N/A | N/A | N/A |
|
|
|
5% cashback on purchases in your first three months (up to £4,000 of spend). Thereafter, earn 0.5% on the first £3,500, 1% on £3,501 to £10,000, and 1.5% after £10,001. |
18.9% p.a. | 27.9% p.a. | 18.9% p.a | No Annual Fee | 56 days for purchases. 0 days for balance transfers and cash. |
|
|
|
Vanquis Visa Card is designed for people with no credit history or who have previously had bad debt. Representative 39.9% APR (variable) |
Representative 39.9% APR (variable) | 39.9% | N/A | No Annual Fee | Up to 56 days on card purchases only |
|
|
|
The award winning prepaid card with no credit check or bank account needed. | Funds in your Account will not earn interest | Prepaid only - N/A | Prepaid only - N/A | £59.40 p.a. (£4.95/month) | Prepaid only - N/A |
|
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