{
  "canary": "dad321c2824c19d8",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Cost",
        "key": "annual_fee",
        "label": "Annual Fee",
        "poids": 5,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Cost",
        "key": "purchase_rate",
        "label": "Purchase Rate (APR)",
        "poids": 5,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Cost",
        "key": "intro_0_apr_purchases",
        "label": "0% Intro APR on Purchases",
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "duree",
        "unit": "mois"
      },
      {
        "group": "Cost",
        "key": "intro_0_apr_transfers",
        "label": "0% Intro APR on Balance Transfers",
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "duree",
        "unit": "mois"
      },
      {
        "group": "Cost",
        "key": "balance_transfer_fee",
        "label": "Balance Transfer Fee",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Eligibility",
        "key": "credit_score_required",
        "label": "Credit Score Required",
        "options": [
          "Poor",
          "Fair",
          "Good",
          "Excellent"
        ],
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Rewards",
        "key": "rewards_rate",
        "label": "Rewards Rate",
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Rewards",
        "key": "rewards_type",
        "label": "Rewards Type",
        "options": [
          "None",
          "Cashback",
          "Points",
          "Miles"
        ],
        "poids": 3,
        "sens": "neutre",
        "type": "enum"
      },
      {
        "group": "Rewards",
        "key": "sign_up_bonus",
        "label": "Sign-up Bonus",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Travel",
        "key": "foreign_transaction_fee",
        "label": "Foreign Transaction Fee",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Travel",
        "key": "travel_insurance",
        "label": "Travel Insurance Included",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "booleen"
      },
      {
        "group": "General",
        "key": "card_provider",
        "label": "Card Provider",
        "poids": 1,
        "sens": "neutre",
        "type": "texte"
      }
    ],
    "faq": [
      {
        "a": "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.",
        "q": "What are the best credit cards in the UK right now?"
      },
      {
        "a": "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.",
        "q": "How do you compare UK credit cards for 2026?"
      },
      {
        "a": "No, our ranking is completely neutral and not influenced by payments from card providers; every data point is sourced and verified.",
        "q": "Is your credit card ranking in the UK paid for?"
      },
      {
        "a": "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.",
        "q": "Which UK credit card has the lowest annual fee?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 3898,
    "neutral": false,
    "path": [
      "finance",
      "credit-cards",
      "credit-cards-uk"
    ],
    "price_key": "annual_fee",
    "profile_questions": [
      {
        "options": [
          "Earning rewards",
          "Saving on interest",
          "Building credit history",
          "Travel benefits"
        ],
        "q": "What is your primary goal?"
      },
      {
        "options": [
          "Excellent",
          "Good",
          "Fair",
          "Poor"
        ],
        "q": "What is your credit score like?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "Best cashback credit cards UK",
      "Best 0% interest credit cards UK",
      "Best travel credit cards UK",
      "Compare UK credit card deals"
    ],
    "synthese": [
      "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."
    ],
    "tier": "gold",
    "title": "Best Credit Cards UK",
    "unranked": false,
    "visual": "logo"
  },
  "country": "GB",
  "freshness": {
    "age_days": 8.2,
    "stale": false,
    "ttl_days": 14
  },
  "items": [
    {
      "badges": [
        "best_overall",
        "cheapest"
      ],
      "description": "Offers a 0% introductory APR on purchases and balance transfers for a limited period.",
      "estimated": true,
      "link_url": "https://www.santander.co.uk/",
      "logo_dom": "santander.com",
      "logo_url": "https://unavatar.io/santander.com?fallback=false",
      "name": "Santander All in One Credit Card",
      "provider": "Santander",
      "score": 62.0,
      "source_url": "https://www.santander.co.uk/uk/credit-cards/all-in-one-credit-card",
      "subscores": {
        "annual_fee": 100.0,
        "credit_score_required": 67.0,
        "intro_0_apr_purchases": 100.0,
        "intro_0_apr_transfers": 100.0,
        "purchase_rate": 86.0,
        "rewards_rate": 0.0,
        "sign_up_bonus": 0.0,
        "travel_insurance": 0.0
      },
      "values": {
        "annual_fee": 0,
        "balance_transfer_fee": 0,
        "card_provider": "Santander",
        "credit_score_required": "Good",
        "foreign_transaction_fee": 0,
        "intro_0_apr_purchases": 18,
        "intro_0_apr_transfers": 18,
        "purchase_rate": 21.9,
        "rewards_rate": 0,
        "rewards_type": "None",
        "sign_up_bonus": 0,
        "travel_insurance": false
      }
    },
    {
      "badges": [],
      "description": "A credit card with travel benefits and rewards, often linked to HSBC Premier accounts.",
      "estimated": true,
      "link_url": "https://www.hsbc.co.uk/",
      "logo_dom": "hsbc.com",
      "logo_url": "https://unavatar.io/hsbc.com?fallback=false",
      "name": "HSBC Premier Credit Card",
      "provider": "HSBC",
      "score": 57.0,
      "source_url": "https://www.hsbc.co.uk/credit-cards/products/premier/",
      "subscores": {
        "annual_fee": 100.0,
        "credit_score_required": 67.0,
        "intro_0_apr_purchases": 0.0,
        "intro_0_apr_transfers": 0.0,
        "purchase_rate": 100.0,
        "rewards_rate": 67.0,
        "sign_up_bonus": 0.0,
        "travel_insurance": 100.0
      },
      "values": {
        "annual_fee": 0,
        "balance_transfer_fee": 0,
        "card_provider": "HSBC",
        "credit_score_required": "Good",
        "foreign_transaction_fee": 0,
        "intro_0_apr_purchases": 0,
        "intro_0_apr_transfers": 0,
        "purchase_rate": 18.9,
        "rewards_rate": 1,
        "rewards_type": "Points",
        "sign_up_bonus": 0,
        "travel_insurance": true
      }
    },
    {
      "badges": [
        "best_value"
      ],
      "description": "A premium card offering extensive travel benefits, rewards, and airport lounge access.",
      "estimated": true,
      "link_url": "https://www.americanexpress.com/",
      "logo_dom": "american.com",
      "logo_url": "https://unavatar.io/american.com?fallback=false",
      "name": "The Platinum Card from American Express",
      "provider": "American Express",
      "score": 53.0,
      "source_url": "https://www.americanexpress.com/uk/credit-cards/the-platinum-card/",
      "subscores": {
        "annual_fee": 0.0,
        "credit_score_required": 100.0,
        "intro_0_apr_purchases": 0.0,
        "intro_0_apr_transfers": 0.0,
        "purchase_rate": 86.0,
        "rewards_rate": 67.0,
        "sign_up_bonus": 100.0,
        "travel_insurance": 100.0
      },
      "values": {
        "annual_fee": 575,
        "balance_transfer_fee": 0,
        "card_provider": "American Express",
        "credit_score_required": "Excellent",
        "foreign_transaction_fee": 0,
        "intro_0_apr_purchases": 0,
        "intro_0_apr_transfers": 0,
        "purchase_rate": 21.9,
        "rewards_rate": 1,
        "rewards_type": "Points",
        "sign_up_bonus": 30000,
        "travel_insurance": true
      }
    },
    {
      "badges": [],
      "description": "Earn Amazon Points on purchases, redeemable on Amazon.co.uk.",
      "estimated": true,
      "link_url": "https://www.americanexpress.com/",
      "logo_dom": "american.com",
      "logo_url": "https://unavatar.io/american.com?fallback=false",
      "name": "Amazon UK credit card",
      "provider": "American Express",
      "score": 50.0,
      "source_url": "https://www.americanexpress.com/uk/credit-cards/amazon-card/",
      "subscores": {
        "annual_fee": 100.0,
        "credit_score_required": 67.0,
        "intro_0_apr_purchases": 0.0,
        "intro_0_apr_transfers": 0.0,
        "purchase_rate": 86.0,
        "rewards_rate": 100.0,
        "sign_up_bonus": 0.0,
        "travel_insurance": 0.0
      },
      "values": {
        "annual_fee": 0,
        "balance_transfer_fee": 0,
        "card_provider": "American Express",
        "credit_score_required": "Good",
        "foreign_transaction_fee": 0,
        "intro_0_apr_purchases": 0,
        "intro_0_apr_transfers": 0,
        "purchase_rate": 21.9,
        "rewards_rate": 1.5,
        "rewards_type": "Points",
        "sign_up_bonus": 0,
        "travel_insurance": false
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "A cashback credit card with a tiered rewards rate and no annual fee.",
      "estimated": true,
      "link_url": "https://www.americanexpress.com/",
      "logo_dom": "american.com",
      "logo_url": "https://unavatar.io/american.com?fallback=false",
      "name": "Amex Platinum Cashback Everyday Card",
      "provider": "American Express",
      "score": 48.0,
      "source_url": "https://www.americanexpress.com/uk/credit-cards/platinum-cashback-everyday-credit-card/",
      "subscores": {
        "annual_fee": 100.0,
        "credit_score_required": 67.0,
        "intro_0_apr_purchases": 0.0,
        "intro_0_apr_transfers": 0.0,
        "purchase_rate": 86.0,
        "rewards_rate": 83.0,
        "sign_up_bonus": 0.0,
        "travel_insurance": 0.0
      },
      "values": {
        "annual_fee": 0,
        "balance_transfer_fee": 0,
        "card_provider": "American Express",
        "credit_score_required": "Good",
        "foreign_transaction_fee": 0,
        "intro_0_apr_purchases": 0,
        "intro_0_apr_transfers": 0,
        "purchase_rate": 21.9,
        "rewards_rate": 1.25,
        "rewards_type": "Cashback",
        "sign_up_bonus": 50,
        "travel_insurance": false
      }
    },
    {
      "badges": [],
      "description": "Earn rewards on your spending with a simple cashback or points system.",
      "estimated": true,
      "link_url": "https://www.barclaycard.co.uk/",
      "logo_dom": "barclaycard.com",
      "logo_url": "https://unavatar.io/barclaycard.com?fallback=false",
      "name": "Barclaycard Rewards",
      "provider": "Barclaycard",
      "score": 46.0,
      "source_url": "https://www.barclaycard.co.uk/personal/credit-cards/rewards-card",
      "subscores": {
        "annual_fee": 100.0,
        "credit_score_required": 67.0,
        "intro_0_apr_purchases": 0.0,
        "intro_0_apr_transfers": 0.0,
        "purchase_rate": 86.0,
        "rewards_rate": 67.0,
        "sign_up_bonus": 0.0,
        "travel_insurance": 0.0
      },
      "values": {
        "annual_fee": 0,
        "balance_transfer_fee": 0,
        "card_provider": "Barclaycard",
        "credit_score_required": "Good",
        "foreign_transaction_fee": 0,
        "intro_0_apr_purchases": 0,
        "intro_0_apr_transfers": 0,
        "purchase_rate": 21.9,
        "rewards_rate": 1,
        "rewards_type": "Points",
        "sign_up_bonus": 0,
        "travel_insurance": false
      }
    },
    {
      "badges": [],
      "description": "Earn Partnership Vouchers on spending at John Lewis and Waitrose.",
      "estimated": true,
      "logo_dom": "john.com",
      "logo_url": "https://unavatar.io/john.com?fallback=false",
      "name": "John Lewis Partnership Card",
      "provider": "John Lewis Finance",
      "score": 46.0,
      "source_url": "https://www.johnlewis.com/our-services/credit-card",
      "subscores": {
        "annual_fee": 100.0,
        "credit_score_required": 67.0,
        "intro_0_apr_purchases": 0.0,
        "intro_0_apr_transfers": 0.0,
        "purchase_rate": 86.0,
        "rewards_rate": 67.0,
        "sign_up_bonus": 0.0,
        "travel_insurance": 0.0
      },
      "values": {
        "annual_fee": 0,
        "balance_transfer_fee": 0,
        "card_provider": "John Lewis Finance",
        "credit_score_required": "Good",
        "foreign_transaction_fee": 0,
        "intro_0_apr_purchases": 0,
        "intro_0_apr_transfers": 0,
        "purchase_rate": 21.9,
        "rewards_rate": 1,
        "rewards_type": "Points",
        "sign_up_bonus": 0,
        "travel_insurance": false
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "Earn Virgin Points on spending, with an option for a companion reward.",
      "estimated": true,
      "link_url": "https://virginmoney.co.uk/",
      "logo_dom": "virgin.com",
      "logo_url": "https://unavatar.io/virgin.com?fallback=false",
      "name": "Virgin Atlantic Reward Credit Card",
      "provider": "Virgin Money",
      "score": 43.0,
      "source_url": "https://uk.virginmoney.com/credit-cards/virgin-atlantic-reward/",
      "subscores": {
        "annual_fee": 100.0,
        "credit_score_required": 67.0,
        "intro_0_apr_purchases": 0.0,
        "intro_0_apr_transfers": 0.0,
        "purchase_rate": 83.0,
        "rewards_rate": 50.0,
        "sign_up_bonus": 0.0,
        "travel_insurance": 0.0
      },
      "values": {
        "annual_fee": 0,
        "balance_transfer_fee": 0,
        "card_provider": "Virgin Money",
        "credit_score_required": "Good",
        "foreign_transaction_fee": 0,
        "intro_0_apr_purchases": 0,
        "intro_0_apr_transfers": 0,
        "purchase_rate": 22.9,
        "rewards_rate": 0.75,
        "rewards_type": "Miles",
        "sign_up_bonus": 0,
        "travel_insurance": false
      },
      "verified": false
    },
    {
      "badges": [],
      "estimated": true,
      "name": "NatWest Travel Reward Credit Card",
      "score": 35.0,
      "subscores": {
        "annual_fee": 100.0,
        "purchase_rate": 68.0,
        "rewards_rate": 67.0
      },
      "values": {
        "annual_fee": "0",
        "balance_transfer_fee": null,
        "card_provider": "NatWest",
        "credit_score_required": null,
        "foreign_transaction_fee": "0%",
        "intro_0_apr_purchases": null,
        "intro_0_apr_transfers": null,
        "purchase_rate": "27.9%",
        "rewards_rate": "1%",
        "rewards_type": "Cashback",
        "sign_up_bonus": null,
        "travel_insurance": null
      }
    },
    {
      "badges": [],
      "estimated": true,
      "name": "Bip Cardless Credit",
      "score": 24.0,
      "subscores": {
        "annual_fee": 100.0,
        "purchase_rate": 54.0
      },
      "values": {
        "annual_fee": "0",
        "balance_transfer_fee": null,
        "card_provider": "Bip",
        "credit_score_required": null,
        "foreign_transaction_fee": "0%",
        "intro_0_apr_purchases": null,
        "intro_0_apr_transfers": null,
        "purchase_rate": "34.9%",
        "rewards_rate": null,
        "rewards_type": "None",
        "sign_up_bonus": null,
        "travel_insurance": null
      }
    },
    {
      "badges": [],
      "estimated": true,
      "name": "Zopa Credit Card",
      "score": 24.0,
      "subscores": {
        "annual_fee": 100.0,
        "purchase_rate": 54.0
      },
      "values": {
        "annual_fee": "0",
        "balance_transfer_fee": null,
        "card_provider": "Zopa",
        "credit_score_required": null,
        "foreign_transaction_fee": "0%",
        "intro_0_apr_purchases": null,
        "intro_0_apr_transfers": null,
        "purchase_rate": "34.9%",
        "rewards_rate": null,
        "rewards_type": "None",
        "sign_up_bonus": null,
        "travel_insurance": null
      }
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/GB/best-credit-cards-in-the-uk.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best credit card UK",
  "source": "CompareFairly",
  "title": "Best Credit Cards UK",
  "unranked": false,
  "url": "https://comparefairly.com/en/GB/best-credit-cards-in-the-uk"
}