Best Credit Cards 2025 UK
Editor, Credit Cards: Michelle Blackmore
Last Updated: July 16, 2025
In This Article
Credit cards have become an essential part of how we manage our money, offering convenience, rewards, and opportunities to build credit. In fact, according to UK Finance: Card Spending Update for July 2024 1, there were a staggering 403 million credit card transactions in July 2024 alone. Whether you’re paying for everyday purchases, booking a holiday, or consolidating debt, there’s a credit card for nearly every financial need. But with so many options, how do you choose the right one? Let’s explore the best credit cards available in the UK this year.
Best cashback credit card UK
Who’s it for? Cashback credit cards are ideal for everyday spenders who want to earn rewards on their purchases. With these cards, you can enjoy cashback on groceries, bills, or entertainment. Some options come with no annual fee, while others may charge one. However, make sure the cashback you earn is worth more than any fees.
For example, the Amex Cashback Everyday Credit Card offers up to 1% cashback on your spending and does not have an annual fee.
Mintip: Pay off your balance in full each month. This helps you maximise the benefits and avoid interest charges.
Representative APR
30.4% APR (variable)
Purchases
30.4% (variable) p.a.
Balance Transfers
30.4% (variable) p.a. (3% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 30.4% (variable) p.a., most accepted customers get a rate of 30.4% APR (variable).
Best rewards credit cards UK 2025
Who’s it for? Rewards credit cards are suited for anyone who wants to make their everyday spending work harder. Whether you enjoy travel, shopping discounts, or collecting gift vouchers, these cards offer plenty of benefits.
Using a rewards credit card for your daily purchases can be a smart way to earn something extra. You can collect valuable points, such as Avios for travel or Nectar points for shopping. These points can often be redeemed for gift vouchers or services. Check out the best credit cards for points, including those for Nectar and Avios. You’ll also find tips on how to earn and use rewards effectively.
Mintip: To get the most out of your card, pay off your balance each month. While rewards are tempting, always review the card’s APR. High interest rates can make carrying a balance expensive. If you’re loyal to a specific brand, a co-branded card like Nectar or Avios could help you maximise rewards.
If you choose a rewards credit card, consider any associated fees and ensure the value of the rewards exceeds the cost.
Find the right Credit Card for you
Does not impact your credit score
Find out which credit cards you’re eligible for
26.5% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
Best 0% purchase credit card
Who’s it for? Purchase credit cards are perfect for anyone wanting to spread the cost of big purchases over time without paying interest.
These cards typically offer an introductory 0% interest rate on new purchases for a set period. This allows you to buy now and pay later without incurring interest during the promotional term. However, once the 0% period ends, the standard interest rate will apply to any remaining balance. Make sure you understand the duration of the offer and the terms that follow.
For example, the HSBC Purchase Plus card offers a long 0% introductory period, often up to 20 months.
Mintip: Always check the card’s APR after the introductory term. Have a solid plan to clear the balance within the 0% period to avoid high interest charges.
Representative APR
24.9% APR (variable)
Purchases
0% for up to 20 months, then 24.90% (variable) p.a.
Balance Transfers
0% for 17 months, then 24.90% (variable) p.a.
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).
Best credit cards for travel rewards UK
Who’s it for? Frequent travellers who want to earn miles or points for flights, hotels, and travel perks.
Travel reward cards are ideal for those who fly often and want to earn rewards like flight credit or hotel vouchers. Be mindful of annual fees and foreign transaction charges. Ensure the rewards you earn outweigh any costs associated with the card.
For instance, the Virgin Atlantic Reward Credit Card offers a great option. It has no annual fee and allows you to earn miles through your spending.
Mintip: Pay your balances in full each month to avoid interest charges. Also, check your credit score, as travel cards often require good to excellent credit.
Representative APR
26.9% APR (variable)
Purchases
26.90% (variable) p.a.
Balance Transfers
0% for 6 months, then 26.90% (variable) p.a. (3% fee for 2 months)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 26.90% (variable) p.a., most accepted customers get a rate of 26.9% APR (variable).
Best student credit cards UK
Who’s it for? Students who want to build their credit history responsibly while managing small expenses.
Student credit cards are specifically designed for young adults who are new to credit. They typically come with low credit limits and no annual fees, making them easier to manage. When used wisely, these cards can help establish a strong credit score for the future.
For example, the TSB Student Credit Card is a great starting point with no annual fees.
Mintip: Stick to a budget and pay off your balance in full each month to avoid interest charges. Also, learn about credit utilisation, as this plays an important role in building your credit score over time.
Representative APR
21.9% APR (variable)
Purchases
21.95% (variable) p.a.
Balance Transfers
21.95% (variable) p.a. (5% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,000, with a purchase rate of 21.95% (variable) p.a., most accepted customers get a rate of 21.9% APR (variable).
Best travel credit card
Who’s it for? Travellers looking for low-cost spending while overseas.
When selecting a credit card for use abroad, prioritize cards with no or low foreign transaction fees and competitive exchange rates. These features can save you money on international spending.
For example, the Halifax Clarity Credit Card is an excellent choice. It offers no fees abroad, making it ideal for avoiding unnecessary charges while travelling.
Mintip: Always pay in the local currency to get the best exchange rate. Additionally, clear your balance each month to avoid interest charges.
Representative APR
23.94% (variable) p.a.
Purchases
23.94% (variable) p.a.
Balance Transfers
23.94% (variable) p.a. (no fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 23.94% (variable) p.a., most accepted customers get a rate of 23.9% APR (variable).
Best 0% balance transfer credit cards
Who’s it for? Anyone wanting to consolidate debt and save on interest payments.
Balance transfer credit cards are a smart way to manage debt more effectively. They let you move existing balances from one or more cards, often with a 0% interest period. Be sure to check when the standard APR applies after the introductory period ends.
For instance, the MBNA Long 0% Balance Transfer Credit Card provides one of the longest 0% interest periods available on balance transfers.
Mintip: Always check the transfer fee and plan to repay the balance before the 0% period expires. If you’re consolidating debt, avoid falling into a cycle of persistent debt by managing your spending carefully.
Representative APR
24.9% APR (variable)
Purchases
24.94% (variable) p.a.
Balance Transfers
0% for 33 months, then 24.94% (variable) p.a. (3.49% fee for 2 months)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).
Best first credit cards UK
Who’s it for? Those new to credit who want to build their credit score responsibly.
Getting your first credit card is a key step toward establishing your credit history in the UK. These cards are specifically designed for beginners, often featuring lower credit limits and higher interest rates. Responsible use is vital to building a positive credit profile.
For example, the Aqua Classic Credit Card, issued by NewDay Limited, is a great first credit card to consider. Paying your balance in full each month helps you avoid interest charges.
Mintip: Use your card for small, manageable purchases and pay it off in full every month. This will help you build a strong credit score over time.
Representative APR
34.9% APR (variable)
Purchases
34.95% (variable) p.a.
Balance Transfers
34.95% (variable) p.a. (3% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 34.95% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).
Best credit builder card
Who’s it for? Individuals with a poor credit history aiming to improve their credit score.
Credit builder cards are designed to help those looking to enhance their credit profile. These cards often come with higher interest rates, so it’s essential to avoid carrying a balance. Regular and responsible use can lead to credit improvement over time.
Capital One offers a range of credit cards which come with no annual fee and are especially suitable for people with bad credit.
Mintip: Make payments on time and keep your balance well below your credit limit. This practice helps build a healthy credit profile and improves your credit utilisation ratio.
Representative APR
34.9% APR (variable)
Purchases
0% for up to 3 months, then 34.94% (variable) p.a.
Balance Transfers
0% for 18 months, then 34.94% (variable) p.a. (3% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 34.94% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).
Representative APR
34.9% APR (variable)
Purchases
34.94% (variable) p.a.
Balance Transfers
34.94% (variable) p.a. (3% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 34.94% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).
Representative APR
35.9% APR (variable)
Purchases
35.94% (variable) p.a.
Balance Transfers
35.94% (variable) p.a. (3% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 35.94% (variable) p.a., most accepted customers get a rate of 35.9% APR (variable).
Best credit cards with airport lounge access
Who’s it for? Frequent flyers and travellers who want to add comfort and luxury to their airport experience.
Credit cards with airport lounge access offer an exclusive retreat from the busy terminal. They’re ideal for making travel more relaxing and enjoyable. Here’s why these cards are worth considering:
- Comfort and convenience: Lounges provide comfortable seating, free Wi-Fi, and a quiet atmosphere—perfect for unwinding before your flight.
- Complimentary food and drinks: Enjoy snacks, meals, and beverages, often including premium options, at no extra cost.
- Priority service: Some lounges include perks like priority check-in or boarding, saving time and reducing stress.
- Global access: Many cards are partnered with networks like Priority Pass, offering access to thousands of lounges worldwide.
- Added perks: Premium cards may include extras such as spa treatments, meeting rooms, or even shower facilities in select lounges.
Top Pick: The American Express Platinum Card stands out, offering unlimited access to luxurious lounges, including Priority Pass lounges and Amex’s Centurion Lounges.
Mintip: Lounge access is a valuable benefit, but some cards come with high annual fees. Ensure you’ll use the perk often enough to justify the cost. As always, pay your balance in full each month to avoid interest charges and maximise your card’s benefits.
Representative APR
698.1% APR (variable)
Purchases
30.4% (variable) p.a.
Balance Transfers
30.4% (variable) p.a. (3% fee)
Account Fees
£650 p.a.
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 30.4% (variable) p.a., and a fee of £650 per annum, most accepted customers get a rate of 698.1% APR (variable).
Best credit card benefits
Credit cards offer more than just a convenient way to pay—they provide a range of benefits that can add some perks to your financial life. Here are some of the top advantages of using a credit card for everyday purchases:
- Purchase Protection: Many credit cards protect the goods you buy, covering issues like faulty items, loss, or undelivered goods.
- Rewards and Cashback: Earn points, miles, or cashback on daily spending, such as groceries, petrol, or dining out. Some cards even offer bonus rewards for specific categories like travel or entertainment.
- Improving Your Credit Score: Responsible use of a credit card helps you build a positive credit history, which is crucial for achieving larger financial goals, like securing a mortgage.
- Convenience and Security: Credit cards are safer than cash and include robust fraud protection if your card is lost or stolen.
- Spreading Costs: With 0% purchase cards, you can spread the cost of large purchases without paying interest during the introductory period. Just ensure you repay before the standard rate applies.
- Additional Perks: Extras like travel insurance, airport lounge access, or discounts on services can add significant value, especially for frequent travellers or users of specific services.
Mintip: Always pay off your balance in full each month to enjoy these benefits without incurring interest charges. Our Mintalists often say that a credit card should work for you—not the other way around.
Conclusion: How to choose the right credit card
Finding the right credit card can simplify your finances and even unlock fantastic perks. Whether you want to earn cashback, improve your credit score, or save on travel, there’s a card suited to your lifestyle. To fully enjoy the benefits, always use your card responsibly. Pay off your balance in full each month to avoid interest charges and maximise rewards.
Consider the card’s purpose before applying:
- A 0% purchase credit card is ideal for spreading the cost of large purchases.
- A balance transfer card helps save on interest when consolidating debt.
- If rewards are your focus, compare cashback and rewards credit cards carefully to ensure the perks outweigh any fees.
Manage your card effectively:
Set up a payment plan to stay on track, especially once introductory 0% periods end. This ensures you avoid unnecessary costs and maintain control of your finances.
At Mintify, we provide impartial information to help you compare UK credit card options. Our detailed comparisons guide you toward the best card for your financial goals. Explore your options today and make informed choices for your financial future.
Find the right Credit Card for you
Does not impact your credit score
Find out which credit cards you’re eligible for
26.5% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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When selecting a credit card, remember that paying off the full balance each month helps you avoid interest charges.
1. UK Finance: Card Spending Update for July 2024, 16 October 2024, 1
https://www.ukfinance.org.uk/system/files/2024-10/CardSpendingUpdateJuly2024.pdf