How do I compare credit cards in the UK?
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In short: Match card type to your goal — 0% purchase, balance transfer, credit builder or rewards — then compare representative APR, fees, interest-free period and eligibility. Use soft-search tools before applying; rewards only work if you pay in full monthly.
Last reviewed:
Reviewed by Kaiser Khan
Factor balance transfer fees (often 2%–3%) and annual fees into total cost.
Section 75 protection applies to purchases between £100 and £30,000 on credit cards.
See our compare credit cards guide and 0% cards explained.
Primary source: fca.org.uk/consumers/credit-cards
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