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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.
Zempler Bank№ 49

Business Credit Card

Mastercard issued by Zempler Bank.

BusinessCash Back
Annual fee£0per year
Top earn rateNot confirmed
Co Operative Bank№ 50

Business Credit Card

Credit card issued by Co Operative Bank.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
NatWest№ 51

Business onecard

Mastercard issued by NatWest.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Royal Bank Of Scotland№ 52

Business Plus Credit Card

Mastercard issued by Royal Bank Of Scotland.

BusinessCash Back
Annual fee£70per year
Top earn rateNot confirmed
Capital One UK№ 56

Capital One Classic Mastercard

Mastercard issued by Capital One UK.

Credit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Funding Circle№ 57

Cashback Business Credit Card

Our Cashback business credit card gives you 2% cashback for the first 6 months, up to £2,000. Then 1% uncapped cashback on everything you spend after that

BusinessCash Back
Annual fee£0per year
Top earn rateNot confirmed
Chase Uk№ 58

Chase Credit Card

Credit card issued by Chase Uk.

Cash BackNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
Bank of Ireland (UK) plc№ 59

Commercial Credit Card

Credit card issued by Bank of Ireland (UK) plc.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Coutts№ 60

Coutts Silk Charge Card

Mastercard issued by Coutts.

Annual feeNot confirmed
Top earn rateNot confirmed
Coutts№ 61

Coutts Silk Credit Card

Mastercard issued by Coutts.

Lounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
Ulster Bank№ 62

Credit Builder Card

Credit card issued by Ulster Bank.

Credit BuildingNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
Royal Bank Of Scotland№ 63

Credit Builder Credit Card

Mastercard issued by Royal Bank Of Scotland.

Credit BuildingNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
Lloyds Bank№ 64

Credit Builder Credit Card

Mastercard issued by Lloyds Bank.

Credit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Danske Bank№ 65

Danske Bank Mastercard Standard

Mastercard issued by Danske Bank.

Low InterestNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
NewDay№ 66

Debenhams Mastercard

Mastercard issued by NewDay.

Store & Retail
Annual feeNot confirmed
Top earn rateNot confirmed
Tesco Bank№ 68

Everyday Low APR Credit Card

Mastercard issued by Tesco Bank.

Gas & FuelLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
first direct№ 72

first direct Gold Card

Visa card issued by first direct.

Low InterestNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
Funding Circle№ 73

FlexiPay Business Credit Card

Visa card issued by Funding Circle.

BusinessNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
NewDay№ 74

Fluid Credit Card

Mastercard issued by NewDay.

Credit BuildingLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Tesco Bank№ 75

Foundation Credit Card

Mastercard issued by Tesco Bank.

Credit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Halifax№ 78

Halifax Cashback Credit Card

Visa card issued by Halifax.

Cash BackRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Halifax№ 79

Halifax Clarity Credit Card

Visa card issued by Halifax.

TravelNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
HSBC UK№ 85

HSBC Classic Credit Card

Visa card issued by HSBC UK.

Credit BuildingNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
HSBC UK№ 86

HSBC Commercial Card

Visa card issued by HSBC UK.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
HSBC UK№ 87

HSBC Corporate Card

Credit card issued by HSBC UK.

Business
Annual fee£35per year
Top earn rateNot confirmed
HSBC UK№ 88

HSBC Premier Credit Card

Mastercard issued by HSBC UK.

Lounge AccessNewcomers
Annual feeNot confirmed
Top earn rateNot confirmed
HSBC UK№ 91

HSBC Rewards Credit Card

Mastercard issued by HSBC UK.

Balance TransferPoints
Annual feeNot confirmed
Top earn rateNot confirmed
HSBC UK№ 92

HSBC Student Credit Card

Visa card issued by HSBC UK.

Credit BuildingStudent
Annual feeNot confirmed
Top earn rateNot confirmed
Ikano Bank№ 93

IKEA Family credit card

Credit card issued by Ikano Bank.

Store & Retail
Annual feeNot confirmed
Top earn rateNot confirmed
Jaja Finance№ 94

Jaja Vanta Purchase Credit Card

Visa card issued by Jaja Finance.

Credit BuildingNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
Klarna№ 96

Klarna Credit Card

Credit card issued by Klarna.

Low InterestNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
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.