Best UK Credit Cards

Whether you’re transferring a balance, looking to spread out the cost of purchases, or need extra flexibility, we’ve done the hard work for you. We compare UK credit cards that are available to consumers as of June 2024.

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Compare UK credit cards in June 2024.

We carried out thorough research into the main categories of credit cards available in the UK and took a close look at the best balance transfer rates, cashback offers, travel perks and other rewards available. We have listed what we found to be the top three deals in each category. You can explore and compare the full list of cards and their providers in our UK Credit Cards Directory.

Editor’s Note: The content presented here has been impartially gathered by the Mintify team and is offered on a non-advised basis. We are not affiliated, associated, authorised, endorsed by, or in any way officially connected with any of the credit card providers detailed on this page and DO NOT provide links or referrals through this site.

Cash Back

Balance Transfer

Rewards

Low APR

0% Purchases

Credit Building

Best Cashback Credit Cards

American Express UK

Amex® Cashback

4.0

OUR RATING

Representative APR

36.7% APR (variable)

Purchases

31.0% (variable) p.a.

Balance Transfers

31.0% (variable) p.a. (3% fee)

Account Fees

£25.00 per annum

Representative Example:

At an assumed credit limit of £1,200 with a purchase rate of 31% (variable) p.a., and a fee of £25 p.a., most accepted customers get a rate of 36.7% APR (variable).

Read Full Review

4.0

OUR RATING

Features & Benefits

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Issuer	American Express UK
Network	American Express
Primary Category	Cashback
Loyalty Scheme	Cashback
Incentive on opening	Get 5% cashback on your purchases (up to £125) for the first three months of card membership.
Cashback rate (if applicable)	After your welcome bonus period (first three months), you’ll earn up to 1.25% cashback, depending on how much you spend within your card membership year: - Receive 0.75% cashback on spend up to £10,000 - Receive 1.25% cashback on spend above £10,000
Account Fees	£25.00 per annum
Purchases	31.0% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	31.0% (variable) p.a. (3% fee)
Balance Transfer Fee (%)	0
Cash Advances	38.3% (variable) p.a. (fees apply)
Minimum Credit Limit	£700
Maximum Credit Limit	Subject To Status

American Express UK

Amex® Cashback Everyday

4.2

OUR RATING

Representative APR

31.0% APR (variable)

Purchases

31.0% (variable) p.a.

Balance Transfers

31.0% (variable) p.a. (3% fee)

Account Fees

No Fee

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 31.0% (variable) p.a., most accepted customers get a rate of 31.0% APR (variable).

Read Full Review

4.2

OUR RATING

Features & Benefits

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Issuer	American Express UK
Network	American Express
Primary Category	Cashback
Loyalty Scheme	Cashback
Incentive on opening	Get 5% cashback on your purchases (up to £100) plus an extra £10 bonus cashback for the first three months of card membership.
Cashback rate (if applicable)	5.00% awarded for £1 to £2000 of yearly spend for an introductory period of 3 months (max £100). After that, 0.50% for £1 to £10000 of yearly spend and 1.00% after £10001 of yearly spend.
Account Fees	No Fee
Purchases	31.0% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	31.0% (variable) p.a. (3% fee)
Balance Transfer Fee (%)	0
Cash Advances	38.3% (variable) p.a. (fees apply)
Minimum Credit Limit	£700
Maximum Credit Limit	Subject To Status

Showing all 2 credit cards