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★ THE HONEST NUMBER ON EVERY CARD185 CARDS TRACKEDNO BIAS · NO SIGNUP
File Nº 01 — United Kingdom Cards

The honest number on every United Kingdom credit card.

Every card we hold for United Kingdom — fee, network, and welcome offer, with no marketing copy and no pay-to-rank. Where a figure has never been recorded, we leave it blank rather than guess it.

*figures come from issuers’ own terms and regulators’ published documents. Each card's review page marks which of its figures a document states — and marks the rest Not yet checked, or Not published where we checked, or Issuer restricts access.

185
United Kingdom cards tracked
23
categories filed
Browse by place

Where you live in United Kingdom

Issuers a quoted line ties to the place, regional issuers with branches there, and the local rules that change how you pay — each one from its source.

Browse by issuer

Every bank and lender we list

Each issuer's page lists the cards it offers today, with the figures we have confirmed against its own terms.

The ledger

All credit cards in United Kingdom

Showing 48 of 185
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Filtering on fee uses the figure on record. A card with no fee on record shows a blank on its tile, not a price.
118 118 Money№ 1

118 118 Money Credit Card

Credit card issued by 118 118 Money.

Fair Credit
Annual feeNot confirmed
Top earn rateNot confirmed
Co Operative Bank№ 2

3-Year Fixed Rate Credit Card

Visa card issued by Co Operative Bank.

Low InterestNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
Santander UK№ 3

All in One Credit Card

Mastercard issued by Santander UK.

Balance TransferCash Back
Annual fee£3/month£36/yr
Top earn rateNot confirmed
Tesco Bank№ 4

All Round Credit Card

Mastercard issued by Tesco Bank.

Gas & FuelLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
American Express№ 8

Amex Cashback Credit Card

5% Cashback Up to £125 Cashback for the first three months of Cardmembership

Cash BackTravel Insurance
Annual fee£25per year
Top earn rateNot confirmed
NewDay№ 10

AO Finance (AO.com)

Credit card issued by NewDay.

Annual feeNot confirmed
Top earn rateNot confirmed
NewDay№ 11

Aqua Classic

Mastercard issued by NewDay.

Credit BuildingRewards
Annual feeNot confirmed
Top earn rateNot confirmed
NewDay№ 12

Argos Pay

Mastercard issued by NewDay.

Store & Retail
Annual feeNot confirmed
Top earn rateNot confirmed
Asda Money№ 14

Asda Money Credit Card

Visa card issued by Asda Money.

Cash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Asda Money№ 15

Asda Money Select Credit Card

Visa card issued by Asda Money.

Credit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Ulster Bank№ 17

Balance Transfer Credit Card

Enjoy 0% interest for up to 11 months on balance transfers and no balance transfer fee

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Royal Bank Of Scotland№ 18

Balance Transfer Credit Card

Enjoy 0% interest for up to 11 months on balance transfers and no balance transfer fee

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Tesco Bank№ 19

Balance Transfer Credit Card

Mastercard issued by Tesco Bank.

Balance TransferGas & Fuel
Annual feeNot confirmed
Top earn rateNot confirmed
Nationwide Building Society№ 20

Balance Transfer Credit Card

With introductory offers of 0% interest on balance transfers for 30 months and 0% interest on purchases for 3 months.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Lloyds Bank№ 21

Balance Transfer Credit Card

Visa card issued by Lloyds Bank.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Co Operative Bank№ 22

Balance Transfer Credit Card

Visa card issued by Co Operative Bank.

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Barclaycard№ 24

Barclaycard Avios

If you’re new to Barclaycard, collect 5,000 Avios if you spend £1,000 in the first three months. T&Cs apply.

AirlineRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Barclaycard№ 25

Barclaycard Avios Plus

Mastercard issued by Barclaycard.

AirlineLounge Access
Annual fee£20/month£240/yr
Top earn rateNot confirmed
Barclaycard№ 26

Barclaycard Forward

Credit card issued by Barclaycard.

Balance TransferCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Barclaycard№ 32

Barclaycard Premium Plus

Credit card issued by Barclaycard.

BusinessPremium
Annual fee£150per year
Top earn rateNot confirmed
Barclaycard№ 33

Barclaycard Rewards Card

Visa card issued by Barclaycard.

Cash BackRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Barclaycard№ 34

Barclaycard Select Cashback

Credit card issued by Barclaycard.

BusinessCash Back
Annual fee£0per year
Top earn rateNot confirmed
American Express№ 36

Basic Card

Amex card issued by American Express.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
NewDay№ 37

Bip

Mastercard issued by NewDay.

Annual feeNot confirmed
Top earn rateNot confirmed
Santander UK№ 41

Business Cashback Credit Card

Mastercard issued by Santander UK.

BusinessCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Lloyds Bank№ 42

Business Charge Card

Mastercard issued by Lloyds Bank.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Scotland№ 43

Business Charge Card

Mastercard issued by Bank of Scotland.

BusinessCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Co Operative Bank№ 44

Business Charge Card

Credit card issued by Co Operative Bank.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Scotland№ 45

Business Credit Card

Mastercard issued by Bank of Scotland.

BusinessCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Lloyds Bank№ 46

Business Credit Card

Mastercard issued by Lloyds Bank.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Metro Bank№ 47

Business Credit Card

Mastercard issued by Metro Bank.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Royal Bank Of Scotland№ 48

Business Credit Card

Mastercard issued by Royal Bank Of Scotland.

BusinessCash Back
Annual fee£30per year
Top earn rate1%eligible fuel and EV charging providers
Questions

Frequently asked

How many credit cards does PointsExplained track in United Kingdom?

We currently track 185 credit cards in United Kingdom, covering every major bank and issuer. Each card records the issuer's published fee, network, category, and welcome offer where we hold one.

What is the best credit card in United Kingdom?

The best card depends on your spending. For travel, look for accelerated earn on travel and dining. For everyday value, a card with broad earn and no yearly cost is ideal. Use the category chips and filters above to narrow 185 cards to your wallet.

How do I compare credit cards on this page?

Filter by network (Visa, Mastercard, Amex) and annual fee, then open any card for the full review. To put two or three cards head to head, use the Compare tool, which lays them out side by side on a single ledger.

Why do some cards show a blank annual fee?

Because we hold no confirmed figure for it. Our fee column used to default to zero, and many cards still carry a zero that no check has confirmed — so a zero on its own cannot be told apart from a field nobody filled in, and printing “£0” there would invent a price. A card shows a fee where a positive one is on record, or where a zero was confirmed against the issuer's terms; otherwise the slot reads “Not confirmed”, and the issuer's own page is the place to check before you apply.

How do I know which of a card's details have been checked?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.