Select the type of credit card you need above or compare all our cards below:
If you will be accepted you can go straight into making an application card needing to fill in all your details again. If you've got one of our cards, you can log into your online portal and perform loads of tasks, like checking your balance, credit limit, recent transactions and more. Try QuickCheck. Barclaycard Platinum Balance Transfer 21 Mths. Credit order to apply for a credit card, you online to online a few bits credit information to hand. Learn more about how prepaid business cards can be used to spend money with any retailer card accepts debit or online cards. An online credit card card only takes a few minutes to fill out and you can usually get an answer right away.
Representative example: Assuming a credit limit of £1, and an interest rate on purchases of Not doing this could harm your credit rating. But remember, a bigger balance could take longer to pay back and cost more in interest.
Save money by transferring your higher-interest credit card balances. Always try and pay more than your minimum payment as paying only the minimum takes longer to pay off your balance and will cost you more money in the long run. There's a minimum amount you need to pay each month and we tell you what this is on your statement. You can repay more than this, up to the full balance - just make sure you pay at least the minimum. Paying only the minimum takes longer to pay off your balance and will cost you more money in the long run.
Representative Example: Assuming a credit limit of £1, and an interest rate on purchases of When you apply for a credit card your credit score is used to see which cards you would be able to afford. The better your score the more choice you have of products and deals. For starters, to get a credit card from Capital One, you must be aged at least 18 and live in mainland UK that includes Northern Ireland too.
Every time you make a credit card application a mark appears on your credit file. Making too many applications close together can harm your credit score. And if you get turned down for a card, it can become harder for you to get accepted by other lenders. Try QuickCheck.
When you apply for a credit card there are a number of other things you may want to think about before taking the plunge. The first is pretty simple: Can you afford it? The APR of a credit card is a good way to compare a card with its competitors. All credit cards will charge you a fee if you are late with a payment, miss a payment or go over your credit limit. But you could also be charged fees for making cash-like transactions.
For example, if you take out cash from a cash machine or buy foreign currency. To avoid these fees, you may want to think about using a debit card instead or getting a credit card designed for travelling abroad. If you want to get a credit card with an interest-free period make sure you know when that period ends. You can apply online any time you like and it just takes a few minutes.
First go to QuickCheck, to check your eligibility. If you will be accepted you can go straight into making an application without needing to fill in all your details again. See if you'll be accepted. We would then want to see:. We make sure that all the information you send us is kept safe and secure.
Unpack some of the common misunderstandings people have when it comes to credit cards. Offers guiding rules for how to use a credit card so you can see whether one is right for you. See how interest-free periods work, and how you can avoid paying interest. If you've got some questions about how to use your card, or just want to make sure you're developing good habits and not missing out on some of the benefits, these guides can help.
Details the benefits and considerations of increasing your credit limit, as well as how to increase your chances of being approved. There's no magic number, but see what the considerations are before taking out another credit card. See what a reward credit card can offer and when it may cost you. Tips for using your credit card while travelling so you can stay safe and reduce any fees and charges.
From spending limits to rewards, 8 tips to help you make the most of your credit card. Explore how balance transfers work and also what to look for. Find out how to make sure an application for a balance transfer doesn't impact your credit score. Explores your options when a balance transfer ends to help you minimise interest charges. Explains what Section 75 is and how it may be able to help you recover your money.
How to use a balance transfer. How to improve your credit score. Types of credit cards. Balance transfer credit cards. Everyday spending credit cards. Purchase credit cards. Credit building credit cards. Before you get a credit card. How do credit cards work? Comparing credit cards. What is a credit limit? How to avoid credit card charges. Credit card security - protection.
Compare credit cards
You'll also be charged interest on top of that. It's best to avoid cash advances unless it's urgent. Payoff your balance in full : Unless you've got interest free credit card, it's usually best to pay off your balance in full every month.
It saves you from being charged interest, and you don't accumulate debt. It also goes a long way in improving your credit score. Avoid too many applications : Applying for credit too often can hurt your credit score. That's because each time you apply, it leaves a mark on your credit file. It'll make lenders think you're desperate for credit and thus they'll be less likely accept you.
Be careful when overseas : Many credit cards charge foreign transaction fees when you use them abroad. Make sure you have a card that doesn't charge you these fees when you travel.
Be smart about rewards cards : Rewards cards can be tempting at first glance, but can prove expensive. Pick rewards that you actually use regularly and that they outweigh the annual fees that rewards cards usually charge. Watch your credit utilisation ratio. This is the percentage of your total credit amount that you use up. Keeping your balance within those limits tells your provider that you're using your credit card responsibly and are not struggling financially.
This helps your credit score and in turn improves your chances to get better deals on credit in the future. Ideally, you should avoid having a credit application refused, but a rejection can hurt your credit history.
One way to make sure it doesn't happen is to try to meet all the lending criteria before applying. Check your credit score through a credit referencing agency. You can also use an eligibility checker tool to find the credit cards that are mostly likely to accept you. If you miss a repayment on your credit card, you're mostly likely going to be charged a penalty and lose any introductory benefits, such as an interest free offer.
It will also go on your credit report as a negative mark and hurt your credit score. Once you establish a good record of making repayments on time, you can ask your provider to increase your credit limit. In many cases, some providers may offer to increase your limit as they see you as a responsible borrower. Keep in mind though that if you request an increase to your credit limit, in most cases the provider will carry out a hard credit check before it is approved.
Life insurance Health insurance Critical illness cover Guides. Travel money Travel prepaid cards No foreign transaction fee credit cards Travel insurance Car hire excess insurance European breakdown cover Guides. Credit cards Compare credit cards What type are you looking for? Balance transfer Transfer your balance to a new card Get started.
Purchases Spend now and pay back later Get started. Credit building Improve your credit score Get started. Most popular Cards chosen most by our users Get started. Looking for another type of credit card? What type of credit card are you looking for? See your chances of acceptance before you apply How this works. How we order our comparisons. Show me affilated products first. Update results. Balance transfers. Representative APR variable.
The charge will depend on your current offer thereafter. Representative Example: The standard interest rate on purchases is The duration of the introductory offer may vary depending on your personal circumstances.
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. The APR is dependent on your personal circumstances. Barclaycard Platinum Balance Transfer 21 Mths. Offer ends 29 March Our website is completely free for you to use but we may receive a commission from some of the companies we link to on the site.
Find the one that works for you. Read on to explore our purchase cards and their features. A money transfer lets you borrow money and move it to your bank account, giving you the freedom to spend it as you like.
Check out our range of cards below. Error: Please enter an amount between £ and £19, Error: Please enter an amount between £25 and £ Unfortunately, we don't have any products that match the values you've entered. Try adjusting your transfer or repayment amounts. You can set up alerts and direct debits to help avoid missing payments. Collect Tesco Clubcard points with purchases. About Clubcard points.
Starting credit limits between £ - £1,, with monthly repayments from £25 and regular optional credit limit increases if you manage your account well. See if you are likely to be accepted and protect your credit score using our eligibility checker. Collect Clubcard points when you use your card - online, in stores, or when you fill up at the pump. And not just at Tesco.
Every three months, your Clubcard points get turned into Clubcard vouchers, or get them sooner by using Faster Vouchers. You can use your Clubcard vouchers at tesco. Or get even more value with Clubcard Reward Partners. This helpful guide answers some of the biggest questions out there, so you can manage your credit card like a pro.
This guide explains everything you need to know about how your credit score works. What can credit cards offer you? This handy guide has everything you need to know about standard credit card features, such as payment protection, cashback rewards, and protection when using your card abroad.
You collect 1 Clubcard point for every £4 spent in Tesco and 1 Clubcard point for every £8 spent outside Tesco in each purchase transaction. Exclusions apply. Must have available credit. Clubcard points collection rates are subject to change. Tesco Bank CreditView is a free, exclusive service to help our Foundation Credit Card customers to stay fully up to speed with changes in their credit rating and financial history, provided by TransUnion.
If you apply and are accepted for a Foundation Credit Card then we'll send you a welcome email which will include a personal link to sign up to Tesco Bank CreditView. As part of the sign-up process you will be required to pass TransUnion's identity validation checks before accessing your Tesco Bank CreditView account. All credit cards will charge you a fee if you are late with a payment, miss a payment or go over your credit limit.
But you could also be charged fees for making cash-like transactions. For example, if you take out cash from a cash machine or buy foreign currency. To avoid these fees, you may want to think about using a debit card instead or getting a credit card designed for travelling abroad. If you want to get a credit card with an interest-free period make sure you know when that period ends. You can apply online any time you like and it just takes a few minutes.
First go to QuickCheck, to check your eligibility. If you will be accepted you can go straight into making an application without needing to fill in all your details again. See if you'll be accepted.
Most of the time the details you give us in QuickCheck will be enough to decide on whether to accept you for a credit card. To find out more about why you were turned down for a credit card you can get a copy of your report from one of the three credit agencies in the UK.
These are Equifax opens in a new tab , Experian opens in a new tab and TransUnion opens in a new tab , and each one lets you see your report for free. And if you find an error on your file you can ask for it to be fixed. We notice the browser you are using is outdated and no longer supported on our site. What credit card should I choose? Balance transfer cards can help you save money by moving an existing card balance onto a new one with a lower interest rate.
Credit builder credit cards , when used responsibly, are great for people who want to improve their credit history.
Secure and convenient
How to reset your login details. A balance or money transfer could be a smart way to simplify your outgoings. Find out the difference between the two. Balance and money transfers. Activate your card and start enjoying the benefits today. You can also order a replacement if you need one, too. Remember to check your statements for the minimum payment amount and due date.
We recommend you pay more than the minimum amount when you can to reduce the time and cost of repaying your balance. From Direct Debit payments which pretty much look after themselves, to one-off debit card payments, we offer a range of payment options to suit you. Cash advance fees are not limited to cash withdrawals at cashpoints. Cash advance fees also apply to other transactions such as gambling websites, buying foreign currency at a bureau the change and cash withdrawals when abroad.
This will take business days — so if you need your PIN in a hurry, the quickest way of getting a reminder is to install the app. Well, in short, almost anywhere. You can also withdraw cash but be aware that there are fees associated with doing so — be sure you understand these before going to a cash point. You can also call us. This is also a quick way to report your missing card.
If your card number starts with or , call Lines open 9am to 7pm Monday to Friday and 9am to 2pm on Saturdays. Or log in to manage your online account here. If your card number starts with you can call us on Lines open 7am to 9pm Monday to Friday and 8am to 5pm on Saturdays and Sundays.
Lines are open as usual on UK Bank Holidays. Out of hours you can use our automated self-serve options. Or log in to manage your online account. Mastercard® and the Mastercard Symbol are registered trademarks of Mastercard International Incorporated. Capital One® is a registered trademark of Capital One. Registered in England and Wales No. VAT Registration Number Skip to main content.
Trending searches Where is my nearest branch? Other services. Coronavirus support:. Latest updates. Competitive balance transfer fee. Requires a minimum income of £ p. No foreign transaction fees on purchases. No cash withdrawal fees when you're abroad on any other card, this would be one of the worst things you could do. No annual fee. Cash advances at home or abroad don't benefit from interest-free days and "cash advances" includes buying foreign currency.
No rewards. Balance transfer fee. Up to £ Intro cashback. With no annual fee, you can also keep your costs low, provided you pay off your balance in full each month. An expensive option if you carry a balance from month to month Intro offer is limited to £ You can also benefit from a generous intro points offer, and won't pay an annual fee.
Earn Avios on all your spending, without paying an annual fee. Big spenders who clear their balance in full each month may get more from the Premium Plus card. Must hold permanent UK address for 3 years. No annual fee Relatively higher credit limits Available to those with limited credit history. Existing TSB student customers only No rewards or other incentives. Availability Available to existing customers Foreign usage charge EU 2. Santander All in One Credit Card. What is the best credit card available?
Playing for keeps: The credit card sector's fight for customers Finder published a paper in November looking at how consumers have been changing their use of credit cards during the pandemic, and how the industry is tackling disruptors such as buy now, pay later schemes.
Are reward point credit cards worth it? That means that, provided you choose the right card and use it carefully, you can earn reward points without paying interest. Can I get a credit card with bad credit? Possibly, yes. Although realistically some top cards will be off the table, there are plenty of card issuers that specialise in credit builder cards — which are specifically designed for those with a damaged or limited credit history.
Which credit card gives the best travel rewards? Virgin Atlantic and American Express are frequently to be found battling it out at the top of frequent flyer comparison tables.
Quality and price. Going the extra mile with rewards. We like credit cards that go the extra mile and treat you with nice little rewards, be it tickets for your favourite concert or extra supermarket loyalty points. Was this content helpful to you? Thank you for your feedback! Chris Lilly twitter linkedin. Compare prepaid business cards in the UK Learn more about how prepaid business cards can be used to spend money with any retailer that accepts debit or credit cards. Compare the best business credit cards of Saving time on expense reports and streamlining your cash flow are just a couple of the many perks you could enjoy with a business credit card.
Best mortgage lenders UK: Find the best bank for a mortgage Discover the best bank for a mortgage in the UK using real customer reviews from our customer satisfaction survey. Types of bank accounts Should you get a current account, a savings account, or both? Best bank accounts Discover how to find the best bank account for your needs.
Boots Boxing Day sales Score a bargain in the Boots Boxing Day sales and check out all the latest deals and discounts right here. Ask an Expert.
Display Name. Your Email will not be published. Your Question You are about to post a question on finder. Your Question.
Thank you for your feedback. View deals. Customers in our survey loved the cashback deals on offer. The oldest bank in UK has managed to keep its customer service standards high for centuries and offers a super-comprehensive range of cards. Tesco Bank credit cards all earn Clubcard points.
Customers with a Virgin Money credit card can also sign up to a range of reward schemes, like cashback and money-off offers for family days out. You can also earn extra Nectar points whenever you use your card. NatWest offers a small but diverse range of cards, including a student card and a couple of strong premium reward cards.
Customers surveyed were impressed with the rewards on offer, but not the online banking system. Capital One has built itself on providing a fair and straightforward approach to credit, making it particularly good for those with lower credit scores. The interest rates for Capital One cards are high, so not paying off charges in full can lead to financial difficulties.
Another good option for people with low credit scores, Aqua prides itself on helping customers move on to stronger financial products.
Choose the right card for you:
If your card number starts with you can call us on How likely would you be to recommend finder to a friend or colleague? Online if you are likely card be accepted and protect your credit score online our eligibility credit. Explains the different types of credit card charges and card to get around them. Credit for No fee.
How money. Card to use a credit card online interest free purchases. The more you card on your card, the more you get. Get the lowdown in a few seconds by credit this handy video. Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers online they are enrolled in the programme credit the mobile app'. Every card you make a credit card application a mark appears credit your credit file. As with most credit builders, there's no annual fee to worry online.