# Best Credit Cards UK _CompareFairly · en/GB · neutral comparison, cited sources, no paid placement_ **Category:** finance › credit cards › credit cards uk **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 ## 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 | 1.2 | 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 | ## 1. Santander All in One Credit Card Offers a 0% introductory APR on purchases and balance transfers for a limited period. _Source (estimate): [https://www.santander.co.uk/uk/credit-cards/all-in-one-credit-card](https://www.santander.co.uk/uk/credit-cards/all-in-one-credit-card)_ ## 2. HSBC Premier Credit Card A credit card with travel benefits and rewards, often linked to HSBC Premier accounts. _Source (estimate): [https://www.hsbc.co.uk/credit-cards/products/premier/](https://www.hsbc.co.uk/credit-cards/products/premier/)_ ## 3. The Platinum Card from American Express A premium card offering extensive travel benefits, rewards, and airport lounge access. _Source (estimate): [https://www.americanexpress.com/uk/credit-cards/the-platinum-card/](https://www.americanexpress.com/uk/credit-cards/the-platinum-card/)_ ## 4. Amazon UK credit card Earn Amazon Points on purchases, redeemable on Amazon.co.uk. _Source (estimate): [https://www.americanexpress.com/uk/credit-cards/amazon-card/](https://www.americanexpress.com/uk/credit-cards/amazon-card/)_ ## 5. Amex Platinum Cashback Everyday Card A cashback credit card with a tiered rewards rate and no annual fee. _Source (estimate): [https://www.americanexpress.com/uk/credit-cards/platinum-cashback-everyday-credit-card/](https://www.americanexpress.com/uk/credit-cards/platinum-cashback-everyday-credit-card/)_ ## 6. Barclaycard Rewards Earn rewards on your spending with a simple cashback or points system. _Source (estimate): [https://www.barclaycard.co.uk/personal/credit-cards/rewards-card](https://www.barclaycard.co.uk/personal/credit-cards/rewards-card)_ ## 7. John Lewis Partnership Card Earn Partnership Vouchers on spending at John Lewis and Waitrose. _Source (estimate): [https://www.johnlewis.com/our-services/credit-card](https://www.johnlewis.com/our-services/credit-card)_ ## 8. Virgin Atlantic Reward Credit Card Earn Virgin Points on spending, with an option for a companion reward. _Source (estimate): [https://uk.virginmoney.com/credit-cards/virgin-atlantic-reward/](https://uk.virginmoney.com/credit-cards/virgin-atlantic-reward/)_ ## 9. NatWest Travel Reward Credit Card ## 10. Bip Cardless Credit ## 11. Zopa Credit Card ## 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. ## 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. --- _Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._ --- _CompareFairly · https://comparefairly.com/en/GB/best-credit-cards-in-the-uk — citation with a link is allowed; bulk extraction/redistribution is prohibited._