Best Credit Cards in the U.K.
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Not surprisingly, there is a huge multitude of credit cards to choose from. They feature varying benefits and terms. When choosing a credit card, you need to choose the one that’s best for your needs and circumstances.
Not surprisingly, there is a huge multitude of credit cards to choose from. They feature varying benefits and terms. When choosing a credit card, you need to choose the one that’s best for your needs and circumstances.
Cash Back - American Express Cashback Everyday Credit Card
This kind of card rewards you for using it, by giving you cashback (rebates) on your purchases. This particular AmEx card gives you generous cashback and is very highly rated.
– 5% cash back on your purchases for the first three months, then up to 1% cashback thereafter
– No cap (maximum) on cashback earnings
– No annual fee
– Typical Interest Rate: 22%
Zero Percent Interest - M&S Shopping Plus Credit Card
If you intend to do a lot of shopping with your card and want to stretch out your payments on your purchases, then this card is a good choice for you.
– No interest on all your purchases for the first 20 months after you get the card
– No annual fee
– Earns M&S shopping points
– Typical interest (after the initial 20 months): 22%
Multiple Features - Santander All In One Credit Card
This card offers you multiple benefits, including cashback and zero interest.
– Zero interest for 20 months after you get the card
– .5% cashback on all your purchases
– Travel points awards
– 36 pounds annual fee
– Typical interest (after the initial 20 months): 24%
Low Permanent Interest Rate - NatWest Credit Card
If you intend to do a lot of shopping and pay for your purchases in many payments on a regular basis, then this low interest card can save you money over time and be the best choice for you (but you will have to forgo perks like cashback and points).
– Typical interest rate of only 10%
– No annual fee
Credit Builder or Credit Rebuilder - Aqua Advance Credit Card
If you have less than excellent credit or no credit history, then your choice of credit cards is much more limited. The Aqua Advance card can help you out if you’re in this situation.
– No annual fee
– Interest can go down to 20% after a good payment record with them
– Initial interest at 35%
