Compare UK Credit Cards
This is a whole-of-market view of credit cards available in the UK and is based on market research performed in January 2026.
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
We compare credit cards from 40+ trusted UK providers.
We provide a research based view of credit cards available in the UK, using publicly available data from over 40 providers. This information was compiled in January 2026 and is not financial advice.
Narrow your search according to the credit card characteristics most important to you.
Representative APR
18.9% APR (variable)
Purchases
17.44% (variable) p.a.
Balance Transfers
17.44% (variable) p.a. (1.50% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 17.44% (variable) p.a., most accepted customers get a rate of 18.9% APR (variable).
Representative APR
16.9% APR (variable)
Purchases
15.72% (variable) p.a.
Balance Transfers
15.72% (variable) p.a. (1.50% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 15.72% (variable) p.a., most accepted customers get a rate of 16.9% APR (variable).
Representative APR
12.9% APR (variable)
Purchases
12.20% (variable) p.a.
Balance Transfers
Not Available
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 12.20% (variable) p.a., most accepted customers get a rate of 12.9% APR (variable).
Representative APR
24.3% (variable) p.a.
Purchases
20.64% (variable) p.a.
Balance Transfers
20.64% (variable) p.a. (1.50% fee)
Account Fees
£8
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 20.64% (variable) p.a., and a fee of £8 per annum, most accepted customers get a rate of 24.3% APR (variable).
Representative APR
36.1% APR (variable)
Purchases
29.4% (variable) p.a.
Balance Transfers
29.4% (variable) p.a. (3% fee)
Account Fees
£0 for year 1. Then £30 p.a. from year 2 onwards.
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.4% (variable) p.a., and a fee of £0 in year 1 and £30 per annum from year 2 onwards, most accepted customers get a rate of 36.1% APR (variable).
Representative APR
35.0% APR (variable)
Purchases
29.4% (variable) p.a.
Balance Transfers
29.4% (variable) p.a. (3% fee)
Account Fees
£25
Representative Example: At an assumed credit limit of £1,200 with a purchase rate of 29.4% (variable) p.a., and a fee of £25 p.a., most accepted customers get a rate of 35.0% APR (variable).
Representative APR
29.4% APR (variable)
Purchases
29.4% (variable) p.a.
Balance Transfers
29.4% (variable) p.a. (3% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.4% (variable) p.a., most accepted customers get a rate of 29.4% APR (variable).
Representative APR
86.3% APR (variable)
Purchases
29.4% (variable) p.a.
Balance Transfers
29.4% (variable) p.a. (3% fee)
Account Fees
£0 for your first year. Then £195 p.a. from year 2.
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.4% (variable) p.a., and a fee of £0 in year 1 and £195 per annum from year 2, most accepted customers get a rate of 86.3% APR (variable).
Representative APR
688.5% APR (variable)
Purchases
29.4% (variable) p.a.
Balance Transfers
29.4% (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 29.4% (variable) p.a., and a fee of £650 per annum, most accepted customers get a rate of 688.5% APR (variable).
Representative APR
29.4% APR (variable)
Purchases
29.4% (variable) p.a.
Balance Transfers
29.4% (variable) p.a. (3% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.4% (variable) p.a., most accepted customers get a rate of 29.4% APR (variable).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
This Credit Card database contains expert reviews, research and product data for over 140 Credit Cards UK credit cards with over 13,000 datapoints. We invest equally in technology solutions that allow us to update this database on a daily basis, providing our customers with a tool that delivers dynamic, up to date product data. Before deciding to get a credit card and comparing the range of products on the market, it’s important to understand how credit cards work, the types of cards available, and what interest fees and other charges may apply. Additonally, given that credit card providers will run a hard credit check as part of their application process, it’s a good idea to understand how credit scoring works.
Use the filters to narrow your search according to the credit card characteristics most important to you.