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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 on interest charges 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.
0% Credit Card Deals
As an incentive to switch providers, many card companies including Egg, HSBC, MBNA and NatWest, offer 0% credit card rates for balance transfers and or purchases for a specified period. 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.
Low Interest Rates For Purchases
 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
interest free period for purchases. Some credit cards offer 0% interest on purchases for 12 months.
Credit Card Balance Transfers
If you're carrying over a balance each month, you could save money on interest by transferring the debt to a new credit card which has a cheaper rate. Visit this section to compare the best credit cards for balance transfers. Simply shifting your card debt to another company can provide enormous savings. If you are attracted by the interest free APR
rates, you need to consider 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).
Poor Credit History
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 turned down in the past due to an adverse or poor credit rating, CCJs, arrears or defaults.
Credit Cards with Cashback
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.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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