Best Credit Cards UK 2026

We’ve compared the best credit cards available to UK residents right now — whether you want 0% on purchases, cashback, travel rewards, or a balance transfer. Eligibility criteria apply.

📅 Rates last verified: March 2026 | Always check eligibility before applying — applications affect your credit file.

☑️ Credit cards are subject to eligibility and credit checks. The representative APR shown may not be the rate you receive. Smart Money HQ may receive a commission when you apply via our links — this never affects our editorial independence or ratings. Always borrow responsibly and within your means.

How to Choose the Right Credit Card

0% purchase cards let you spread the cost of big purchases interest-free for a promotional period — ideal for planned spending like home improvements or holidays. Always clear the balance before the 0% period ends.

Cashback and rewards cards give you money back or points for every pound spent. They work best if you pay your balance in full each month — otherwise the interest will outweigh any rewards earned.

Balance transfer cards let you move existing credit card debt to a 0% deal, reducing what you pay in interest. Watch out for the transfer fee (usually 2–3%) and set up a direct debit to clear the balance before the deal ends.

Credit Card Costs to Watch Out For

• Annual fee: Premium cards like Amex Platinum Cashback charge a yearly fee — make sure rewards exceed the cost
• Cash withdrawal fee: Taking cash on a credit card typically incurs a fee and immediate interest — avoid if possible
• Foreign transaction fee: Most standard UK cards charge 2.5–3% abroad — consider a travel card instead
• Late payment fee: Missing a payment can trigger fees and damage your credit score — always set up a direct debit