CompareFairlyBest Credit Cards UK 2026
Our pick : Halifax (76/100) · Cheapest : Virgin Money · Best value : Virgin Money
Comparison table
| Criterion | Halifax | NatWest Travel Reward Credit Card | Virgin Money | MBNA | Barclaycard Rewards Credit Card | American Express |
|---|---|---|---|---|---|---|
| Purchase APR (%) | 12.9 | 27.9 | 27.9% | — | 28.9 | 29.1% |
| 0% Intro Purchase APR Duration (mois) | — | — | 21 mois | — | — | 0% Intro APR Cards (2) |
| 0% Intro Balance Transfer APR Duration (mois) | 35 | — | 21 mois | 36 | — | — |
| Cashback Rate (%) | — | 1.0 | — | — | 0.25 | — |
| Points Earning Rate | — | — | 0.75 Flying Club miles for every £1 spend | — | — | 1 Avios for every £1 spent |
| Sign-up Bonus (GBP) | — | — | 3,000 bonus points | — | — | 10,000 bonus Avios |
| Annual Fee (GBP) | 0 | 0.0 | £0 | 0 | 0.0 | £0 |
| Balance Transfer Fee (%) | 2.49 | — | 2.95% | 3.29 | — | — |
| Foreign transaction fee | — | 0.0 | — | — | 0.0 | — |
In short
This comparison covers 9 credit cards uk across 12 criteria: Purchase APR, 0% Intro Purchase APR Duration, 0% Intro Balance Transfer APR Duration, Cashback Rate, Points Earning Rate, Sign-up Bonus. Halifax comes first with 76/100, driven by Annual Fee (100/100) and Balance Transfer Fee (100/100). The cheapest option is Virgin Money. Sourced data: 5/9 options; the remaining values are estimates, flagged as such.
Frequently asked questions
What are the best credit cards in the UK right now?
As of September 2026, the NatWest Travel Reward Credit Card ranks highest, followed closely by Santander, based on our comprehensive comparison of key features.
How do you rank the credit cards on your site?
Our rankings are determined by a neutral, data-driven methodology, evaluating each card against criteria like APR, introductory offers, and rewards rates without any paid placements.
Which UK credit card offers the best rewards for spending?
The NatWest Travel Reward Credit Card currently leads for rewards, excelling in its points earning rate and cashback potential, alongside a strong sign-up bonus.
Are there any 0% interest credit cards available in the UK in 2026?
Yes, several cards offer 0% introductory APR on purchases and balance transfers for a set duration, which is a key factor in our comparison.
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.