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UK Credit Cards Guide
Welcome to Best UK Credit Cards. This site is designed to provide a
free guide to the best credit card deals
currently on offer.
If you want a credit card that offers a 0% introductory rate, or want to save money by transferring your debt to a
credit card that offers a
competitive balance transfer rate or want a permanently low interest
rate for purchases, you're sure to find the right deal for you on this
site.
We provide a summary of the best credit card deals
in the UK, and links to where you can apply
online.
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Credit Card Deals
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As an incentive to switch
providers, many card companies including Barclaycard, Capital One,
Citi, Egg, Lloyds TSB and Marbles offer 0% credit card rates for balance transfers and or purchases for a specified
period.
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If you don't pay off your balance each month, you could save money by
switching to a zero interest period for balance
transfers. These credit cards offer zero interest for a specified period. Most of the promotions last for around 6 months, although
there are some offering promotional rates for 9 months of more.
Visit this section to compare credit cards which offer
intro rates for new customers and see who offers the longest
introductory period for balance transfers and purchases.
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Card Balance Transfers
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If you're carrying over a
balance each month on your current card, you could save money on interest by
transferring the debt to a new credit card which has a cheaper rate than your
currently being charged. Visit this
section to compare the best credit cards for balance transfers. Simply
shifting your card debt to another company can provide enormous
savings.
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If you are attracted by
the interest free APR rates, it may be worth considering whether you envisage paying off
your debt within the introductory period. If not it is probably better to
take advantage of a provider offering a favourable credit card balance transfer rate for the
life of the transfer (until the debt is cleared).
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Details
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Interest Rates For Purchases
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Visit this section too see which
issuers are offering low interest rates for new purchases. Compare the current rates on offer
and see which cards offer the lowest standard APR or longest
introductory period.
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Cards with Cashback
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As the UK credit cards market has become more
competitive, so too have the incentives on offer. As well as introductory
0% rates, one of the most popular incentives is cashback. The concept is simple, when you spend money on your
credit card you'll get a percentage back every so often.
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Typically the rate is
between 0.5 and 1% although it can be as high as 2%. Which means if you spend £2,000 a month you would get £20 a month back by using a card paying 1%
cashback.
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Credit History
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This section is aimed at people who have a bad credit
history and are looking to rebuild their credit rating.
There are cards available to you, even if you have been refused in the past due to an adverse or poor credit
rating, CCJs,
arrears or defaults.
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Simply compare rates and apply online!
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