Compare Credit Cards with CardSmart

Compare UK Credit Cards

Compare a wide range of credit cards to find some great offers with the CardSmart Best Buy comparison table. Compare 0% balance transfer, 0% purchase, credit builder, low rate, student credit cards and more all in one convenient place. Alternatively, compare by card type by selecting the type of card you’re after below.

Best Buy Credit Card Rates

Balance Transfers Purchases APR Representative (Variable) Rewards  
Barclaycard Platinum With BT (27 Mths) Logo Barclaycard Logo More information about Barclaycard Platinum With BT (27 Mths)

Barclaycard Platinum With BT (27 Mths)

 0%
28 months
3.5% fee
 0%
6 months
 
18.9% Barclaycard Unwind
Representative Example: The annual purchase rate is 18.9% p.a (variable) so if you spend £1200 your representative apr will be 18.9% p.a (variable)
Balance Transfer Card Logo Halifax Logo

Balance Transfer Card

 0%
27 months
3% fee
 0%
3 months
 
18.9% No Rewards
Representative Example: The annual purchase rate is 18.9% p.a (variable) so if you spend £1200 your representative apr will be 18.9% p.a (variable)
Tesco ClubCard Purchases Credit Card Logo Tesco Bank Logo More information about Tesco ClubCard Purchases Credit Card

Tesco ClubCard Purchases Credit Card

 0%
9 months
2.9% fee
 0%
18 months
 
16.9% Clubcard Shopping
Representative Example: The annual purchase rate is 16.9% p.a (variable) so if you spend £1200 your representative apr will be 16.9% p.a (variable)
M&S Credit Card Logo Marks and Spencer Logo

M&S Credit Card

 n/a%
2.9% fee
 0%
15 months
 
16.9% Shopping
Representative Example: The annual purchase rate is 16.9% p.a (variable) so if you spend £1200 your representative apr will be 16.9% p.a (variable)
Halifax All in One Master Card Logo Halifax Logo

Halifax All in One Master Card

 0%
15 months
3% fee
 0%
15 months
 
17.9% No Rewards
Representative Example: The annual purchase rate is 17.9% p.a (variable) so if you spend £1200 your representative apr will be 17.9% p.a (variable)
 
A guide to Choosing a Credit Card

Many consumers still do not like credit cards and point blank refuse to hold one. However, if used efficiently and sensibly, credit cards can be made to work for you. They also offer added layers of protection not available with debit cards.

Image for guide: Choosing a Credit Card

What needs to be decided is what your needs are.

So what exactly should you look for when choosing to apply for a credit card?

There unfortunately is no one card that will suit all of your needs. What needs to be decided is what your needs are. For example:

  • Will you pay the card off in full
    every month?

  • Do you require a 0% balance transfer?

  • Do you require a low rate balance of life transfer?

  • Will you be using your card overseas?

The list could go on and on. But by starting with basic questions you will be able to immediately narrow down your search. Remember, too many credit card applications in a short space of time can lead to a refusal of cards due to too many credit checks being performed.

How reliant will you be on the card?

Another important question to ask yourself is to look at your spending habits. How often will you be using the card? Will you use the card rarely, at least once a month or daily?

Those of you that will use your cards for just about everything instead of using cash or cheques should consider looking for credit card protection. There is often a charge for this but if you lose your card or it is stolen, you will not be held responsible for any purchases made.

If you are using your card for almost all purchases then a cashback card can be a good option. The best deals refund up to 5 per cent of the cost of your shopping - make your card work for you.

Alternatively, if you have a favourite supermarket or would like to earn free flights etc, you could opt for a loyalty card. These work in a similar way to cashback cards but offer rewards such as discount vouchers which can then be used towards days out.

Do you travel? Then why not consider a card with frequent air miles as a reward. Or perhaps one that offers travel insurance or is free from currency exchange fees.

How safe are credit cards?

Credit cards offer much more protection for consumers than debit cards. For example:

  • Legal Rights. If you buy something and the company goes bust, or the goods are damaged or broken then you can go straight to the credit card provider. This protection only applies to credit and not debit cards.

  • Purchase Protection. Some cards offer an additional 'purchase protection'. This covers you if the goods are lost, stolen or accidentally damaged. There is often a charge.

  • Travel Accident Insurance. Many cards also have free travel accident insurance with £50,000 to £250,000 worth of cover. While this isn't the same as full travel insurance, some platinum or gold cards do offer that as well.

  • ID Fraud Protection. Some credit cards have started offering ID fraud protection as part of their benefits. This means you'll get access to their help lines if you have a problem.

Cash advance fees and interest rates

Beware of withdrawing any money from the 'hole in the wall' with your credit card. This should be considered only in emergencies as the cost of interest is likely to be extortionate. Ask about the fees and interest rates when choosing a new credit card.

You should also find out about what outstanding debts are cleared first. Most card providers use your repayments to clear the cheapest debt first and the most expensive debt last, meaning any cash withdrawals can remain on your balance for months.

Base your choice of card around your lifestyle... not the other way around

What matters most is to find the best card that fits your spending habits. Don't get sucked in by the offers… make the card work for you!


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Some important information about this page

The content and information on this website are intended as general information only and shall not be construed as financial advice or recommendations of any nature in accordance with the Financial Services and Markets Act 2000 nor is it intended to address specific financial requirements. We strongly recommend that you seek independent financial advice before using and/or relying on the information made available to you or prior to purchasing any financial product/service listed on the Website. Whilst every attempt has been made to ensure that the content and information published are true, correct and up to date, no warranty, guarantee or representation is given as to its accuracy, reliability or fitness for a specific purpose.

The Best Buy credit card comparison tables feature financial products/services of our advertisers and may not necessarily constitute the best offers in the market for each of such products/services.

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