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Newcomers

Best Newcomer credit cards in United Kingdom

Newcomer credit cards in United Kingdom are open to people who have recently moved to the country, often without a local credit history.

*a card is filed here only when the issuer's own page says, in a sentence about this card, that it is open to or designed for newcomers to the country. A menu link, a footnote or a line about another card does not count. We keep each quote and its source on the card's record and re-read the source every week. When the line is gone, a card filed on it leaves this list; a source we cannot re-read stops counting after 60 days (a CFPB survey, 14 months after the period it reports).

3
Newcomer cards filed
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The ledger

All Newcomer cards in United Kingdom

3 cards
HSBC UK№ 1

HSBC Premier Credit Card

Mastercard issued by HSBC UK.

Lounge AccessNewcomers
Annual feeNot confirmed
Top earn rateNot confirmed
Monzo№ 3

Monzo Flex Build

Mastercard issued by Monzo.

Credit BuildingNewcomers
Annual feeNot confirmed
Top earn rateNot confirmed
Questions

Frequently asked

What is the best newcomer credit card in United Kingdom?

The best newcomer card in United Kingdom depends on your spending and goals. We list every newcomer card we hold — 3 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a newcomer credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a newcomer card with other cards?

Yes. Many people pair a newcomer card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these newcomer card details are current?

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.