Credit Cards

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Longest 0% Balance Transfer Credit Cards

Below are the Longest 0% balance transfer credit card deals on the market (updated 16.01.2026)
Card Interest Free Transfer Fee APR For Purchases
TSB 38 Months 3.49% Based on a credit limit of £1200 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.
Barclaycard Platinum 36 Months 3.45% Based on a credit limit of £1200 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.
Tesco Bank 36 Months 3.45% Based on a credit limit of £1200 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.
Virgin Money 35 Months 2.95% Based on a credit limit of £1200 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.
MBNA 35 Months 2.99% Based on a credit limit of £1200 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.
The data published on the website is intended to supply you with information only and is not intended to provide you with financial advice as to the most suitable product for your own personal circumstances and requirements. Whilst we try to update rates regularly we cannot guarantee their accuracy. Please always do your own research when considering your personal finances. Warning: Late repayment can cause you serious money problems. For help, go to www.moneyadviceservice.org.uk

5 Longest 0% Purchase Credit Cards

Below are 5 of the Longest 0% Purchase credit card deals on the market (updated 16.01.2026).
Card Interest Free APR For Purchases when 0% promotional rate expires
Lloyds Bank 25 Months Based on a credit limit of £1200 charged at 24.9% variable p a for purchases. Representative 24.9% APR variable.
TSB 25 Months Based on a credit limit of £1200 charged at 24.9% variable p a for purchases. Representative 24.9% APR variable.
M&S Bank 25 Months Based on a credit limit of £1200 charged at 24.9% variable p a for purchases. Representative 24.9% APR variable.
Barclaycard 24 Months Based on a credit limit of £1200 charged at 24.9% variable p a for purchases. Representative 24.9% APR variable
NatWest 23 Months Based on a credit limit of £1200 charged at 24.9% variable p a for purchases. Representative 24.9% APR variable.
The data published on the website is intended to supply you with information only and is not intended to provide you with financial advice as to the most suitable product for your own personal circumstances and requirements. Whilst we try to update rates regularly we cannot guarantee their accuracy. Please always do your own research when considering your personal finance. Warning: Late repayment can cause you serious money problems. For help, go to www.moneyadviceservice.org.uk

Balance Transfer Credit Cards - Lowest Fee

Below are 5 of the lowest fee balance transfer credit card deals on the market (updated 16.01.2026).
Card Interest Free Transfer Fee APR For Purchases
Barclaycard 14 Months 0.00% Based on a credit limit of £1200 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.
NatWest Bank 12 Months 0.00% Based on a credit limit of £1200 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.
RBS 12 Months 0.00% Based on a credit limit of £1200 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.
Santander 12 Months 0.00% Based on a credit limit of £1200 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.
Tesco Bank 15 Months 0.75% Based on a credit limit of £1200 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.
The data published on the website is intended to supply you with information only and is not intended to provide you with financial advice as to the most suitable product for your own personal circumstances and requirements. Whilst we try to update rates regularly we cannot guarantee their accuracy. Please always do your own research when considering your personal finances. Warning: Late repayment can cause you serious money problems. For help, go to www.moneyadviceservice.org.uk

Credit Cards With Rewards

Below is a selection of credit cards with rewards (updated 16.01.2026).
Card Reward Rate Representative APR
Tesco Bank Credit Card Assuming card used in conjunction with Tesco Clubcard - 5 points per £4 spent in store and 1 point per £8 spent elsewhere Based on a credit limit of £1200 charged at 24.9% variable p a for purchases. Representative 24.9% APR variable.
John Lewis Partnership Card 1 point = £0.01 1.25 points per £1 spent at John Lewis/Waitrose and 1 point per £10 spent elsewhere Based on a credit limit of £1200 charged at 29.9% variable p a for purchases. Representative 29.9% APR variable.
M&S Bank Credit Card 1 point = £0.01 1 point per £1 spent at M&S and 1 point per £5 spent elsewhere Based on a credit limit of £1200 charged at 24.9% variable p a for purchases. Representative 24.9% APR variable.
Asda Money Credit Card 0.75% of your Asda shopping spend back in Asda Pounds and 0.2% back on spending everywhere else Based on a credit limit of £1200 charged at 29.9% variable p a for purchases. Representative 29.9% APR variable.
The data published on the website is intended to supply you with information only and is not intended to provide you with financial advice as to the most suitable product for your own personal circumstances and requirements. Whilst we try to update rates regularly we cannot guarantee their accuracy. Please always do your own research when considering your personal finances. Warning: Late repayment can cause you serious money problems. For help, go to www.moneyadviceservice.org.uk

Credit Cards With Cashback

Below are the lowest fee cashback credit cards (updated 16.01.2026)
Card Annual Fee Representative Example Cashback Terms
American Express Cashback £25 Representative 35.0% APR variable. Based on assumed credit limit of £1,200. Interest rate for purchases 29.4% p.a. variable. 0.75% cashback on spend up to £10k per annum - 1.25% for £10,001 plus
Amex Everyday Cashback N/A Representative 29.4% APR variable. Based on assumed credit limit of £1,200. Interest rate for purchases 29.4% p.a. variable. 0.5% on annual spend up to £10,000 then 1% for £10,001 plus (5% first 5 months max £125)
Santander Edge Credit Card £48 (£4pm) Based on a credit limit of £1200 charged at 29.9% variable p a for purchases. Annual fee of £48 applies. Representative 37.8 % APR variable. 1.0% cashback on all purchases max reward £10 per month
Halifax N/A Representative 23.9% APR variable. Based on assumed credit limit of £1,200. Interest rate for purchases 23.9% p.a. variable. 0.25% on all purchases up to £4k per year and 0.5% over £4k annual spend
The data published on the website is intended to supply you with information only and is not intended to provide you with financial advice as to the most suitable product for your own personal circumstances and requirements. Whilst we try to update rates regularly we cannot guarantee their accuracy. Please always do your own research when considering your personal finances. Warning: Late repayment can cause you serious money problems. For help, go to www.moneyadviceservice.org.uk