CompareFairlyBest Credit Cards UK 2026
Our pick : Santander All in One Credit Card (62/100) · Cheapest : Santander All in One Credit Card · Best value : The Platinum Card from American Express
In short
This comparison of 11 UK credit cards across 12 criteria, including annual fee, purchase rate, introductory APRs for purchases and balance transfers, balance transfer fees, and credit score required, sees the Santander All in One Credit Card take the top spot with a score of 62/100, largely due to its perfect scores for annual fee and introductory APR on purchases. The HSBC Premier Credit Card is a close second at 57/100, offering the advantage of included travel insurance, and the Santander All in One Credit Card is also identified as the most affordable option. The facts in this summary are computed from the table below; only the wording is generated.
Comparison table
| Criterion | Santander All in One Credit Card | HSBC Premier Credit Card | The Platinum Card from American Express | Amazon UK credit card | Amex Platinum Cashback Everyday Card | Barclaycard Rewards |
|---|---|---|---|---|---|---|
| Annual Fee (GBP) | 0 | 0 | 575 | 0 | 0 | 0 |
| Purchase Rate (APR) (%) | 21.9 | 18.9 | 21.9 | 21.9 | 21.9 | 21.9 |
| 0% Intro APR on Purchases (mois) | 18 | 0 | 0 | 0 | 0 | 0 |
| 0% Intro APR on Balance Transfers (mois) | 18 | 0 | 0 | 0 | 0 | 0 |
| Balance Transfer Fee (%) | 0 | 0 | 0 | 0 | 0 | 0 |
| Credit Score Required | Good | Good | Excellent | Good | Good | Good |
| Rewards Rate (%) | 0 | 1 | 1 | 1.5 | 1.25 | 1 |
| Rewards Type | None | Points | Points | Points | Cashback | Points |
| Sign-up Bonus (GBP) | 0 | 0 | 30000 | 0 | 50 | 0 |
| Foreign Transaction Fee (%) | 0 | 0 | 0 | 0 | 0 | 0 |
| Travel Insurance Included | — | ✓ | ✓ | — | — | — |
| Card Provider | Santander | HSBC | American Express | American Express | American Express | Barclaycard |
Frequently asked questions
What are the best credit cards in the UK right now?
The Santander All in One Credit Card is currently top-rated at 62/100, followed closely by the HSBC Premier Credit Card, based on our comprehensive comparison.
How do you compare UK credit cards for 2026?
We evaluate UK credit cards based on key factors like Annual Fee, Purchase Rate (APR), introductory offers on purchases and balance transfers, balance transfer fees, and the credit score typically required.
Is your credit card ranking in the UK paid for?
No, our ranking is completely neutral and not influenced by payments from card providers; every data point is sourced and verified.
Which UK credit card has the lowest annual fee?
While specific annual fees vary, our comparison highlights cards with competitive annual fees, with the Santander All in One Credit Card being a strong contender in our current assessment.
Methodology and transparency
Ranking: options are sorted on measured, sourced criteria. No position is ever sold, and no advertiser pays to appear here.
Scope: this comparison is not exhaustive. It presents the options our sources document, not every offer on the market.
Earnings: some outbound links may be affiliate links that earn us a commission. This never affects the ranking, the scores or the data.
Data: every value is linked to its source and refreshed automatically; the collection date is shown.