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★ BEST CARDS FOR YOUNG ADULTS185 UNITED KINGDOM CARDS TRACKEDNO BIAS · NO SIGNUP
Best For — Young adults & first-timers

The best credit cards for young adults in United Kingdom

For young adults getting started, the best cards are starter cards for young adults just entering the credit system — lenient approval on limited income, no annual fee, simple rewards, and app-first tools that make a first card easy to manage. We track 185 United Kingdom cards.

*In Brazil and Portugal this is the 'jovens' segment.

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The profile

Who this guide is for

  • You're a young adult new to credit (but not a student card)
  • You have limited income and want lenient approval
  • A no-fee card with simple rewards and a good app fits
  • You're building a score early for future loans
The shortlist

Top cards for young adults in United Kingdom

8 ranked
№ 8
NewDayMastercard

Pulse Mastercard

Cash BackNo Annual Fee
  • Earns 0.25% back on groceries — one of your biggest spending categories
  • £0/yr annual fee
  • Earns 0.25% on Other
  • Cash Back card
Annual fee£0per year
Est. first-year value+£29Not yet checked with NewDay
No application link on file · apply through NewDayRead our review →
Method

How we picked

We start from every card we hold in United Kingdom, keep those that suit young adults getting started, and rank them on estimated first-year value for a typical young adults getting started profile: rewards from the card's earn rates, plus a welcome offer the page can print, minus the annual fee. A card whose annual fee we cannot state ranks after every card whose fee we can. Nothing here is pay-to-rank. Business cards appear only on business guides, student cards only on student guides, and prepaid cards on none. A figure we do not hold is shown as “Not confirmed”, never as a zero.

More guides

Best cards for other people

TravelersFrequent FlyersInternational JetsettersPoints OptimizersHotel LoyalistsBudget BackpackersDigital NomadsBusiness TravelersCruise LoversRoad TrippersBusinessSole ProprietorsStartup FoundersE-commerce SellersCorporate / EnterpriseContractors & TradesReal-Estate InvestorsBuilding CreditNo Credit / First CardBad Credit / RebuildFair CreditSecured CardsThin FilePost-BankruptcyStudentsUndergraduatesGrad StudentsInternational StudentsStudent Cash BackStudent TravelCash BackFlat-Rate Cash BackGrocery MaximizerGas & CommutersDining & FoodiesOnline ShoppersStreaming & SubscriptionsRent PayersProfessionalsDoctorsNursesTeachersLawyersTech WorkersGovernment / Public SectorFirst RespondersAccountants & FinanceFamiliesNew ParentsLarge HouseholdsSingle ParentsCommuter FamiliesTeens (Authorized Users)ExecutivesLuxury TravelersAffluent High-IncomePrivate BankingMulti-Card StrategistsConcierge SeekersSeniorsFixed-Income RetireesSnowbirdsRetiree Cash BackNewcomersNew ImmigrantsWork-Visa HoldersReturning ExpatsFreelancersSelf-EmployedRideshare & DeliveryContent CreatorsSide HustlersLow Interest & DebtBalance TransferLow Ongoing APRDebt Consolidation0% Big Purchase
Questions

Frequently asked

What is the best credit card for young adults getting started in United Kingdom?

The best card for young adults getting started in United Kingdom depends on your exact spending and credit. The shortlist above holds 8 cards for this profile, each chosen because it fits young adults getting started: starter cards for young adults just entering the credit system — lenient approval on limited income, no annual fee, simple rewards, and app-first tools that make a first card easy to manage.

How did you choose these cards for young adults getting started?

We start from every card we hold in United Kingdom, keep those that suit young adults getting started, and rank them on estimated first-year value for a typical young adults getting started profile: rewards from the card's earn rates, plus a welcome offer the page can print, minus the annual fee. A card whose annual fee we cannot state ranks after every card whose fee we can. Nothing here is pay-to-rank.

Why do some cards show no annual fee figure?

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 are these cards ranked?

By that estimated value, computed by the same rules for every card, with one adjustment: a card that matches this guide's goal gains 15% of its estimated value (at least 25) in the ordering, so it can rank above a card with a higher estimated value. The figure printed on each pick is the estimate itself, without that adjustment. Our methodology page sets the rules out in full. Each card's review page marks which of its figures a published document states.