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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.
Lloyds Bank№ 97

Large Purchase Credit Card

Visa card issued by Lloyds Bank.

Low Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Capital One UK№ 98

Littlewoods Credit Card

Credit card issued by Capital One UK.

Store & Retail
Annual feeNot confirmed
Top earn rateNot confirmed
Lloyds Bank№ 99

Lloyds Ultra Credit Card

Visa card issued by Lloyds Bank.

Cash BackNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Ulster Bank№ 100

Longer Balance Transfer Card

Credit card issued by Ulster Bank.

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Royal Bank Of Scotland№ 101

Longer Balance Transfer Credit Card

Mastercard issued by Royal Bank Of Scotland.

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Marks & Spencer (M&S) Bank№ 104

M&S Credit Card Purchase Plus

Mastercard issued by Marks & Spencer (M&S) Bank.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Marks & Spencer (M&S) Bank№ 105

M&S Credit Card Transfer Plus

Mastercard issued by Marks & Spencer (M&S) Bank.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Marks & Spencer (M&S) Bank№ 106

M&S Rewards Credit Card

Mastercard issued by Marks & Spencer (M&S) Bank.

Balance TransferRewards
Annual feeNot confirmed
Top earn rateNot confirmed
NewDay№ 107

Marbles Credit Card

Mastercard issued by NewDay.

Credit BuildingNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
Danske Bank№ 109

Mastercard Corporate Classic

Mastercard issued by Danske Bank.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Danske Bank№ 110

Mastercard Corporate Platinum

Mastercard issued by Danske Bank.

BusinessLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
Monzo№ 114

Monzo Flex

Mastercard issued by Monzo.

Annual feeNot confirmed
Top earn rateNot confirmed
Monzo№ 115

Monzo Flex Build

Mastercard issued by Monzo.

Credit BuildingNewcomers
Annual feeNot confirmed
Top earn rateNot confirmed
Moss№ 116

Moss Credit

Credit card issued by Moss.

Annual feeNot confirmed
Top earn rateNot confirmed
NatWest№ 117

NatWest 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
NatWest№ 118

NatWest Business Credit Card

Mastercard issued by NatWest.

BusinessEV Charging
Annual fee£30per year
Top earn rate1%fuel and EV charging
NatWest№ 120

NatWest Credit Builder Card

Mastercard issued by NatWest.

Credit BuildingNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
NatWest№ 123

NatWest Reward Black Credit Card

Mastercard issued by NatWest.

Gas & FuelGroceries
Annual fee£84per year · can be waived
Top earn rateNot confirmed
NatWest№ 124

NatWest Reward Credit Card

Mastercard issued by NatWest.

Cash BackGas & Fuel
Annual fee£24per year · can be waived
Top earn rateNot confirmed
NatWest№ 126

NatWest Virtual Card Solutions

Credit card issued by NatWest.

BusinessTravel Insurance
Annual feeNot confirmed
Top earn rateNot confirmed
American Express№ 127

Nectar Credit Card

Earn 20,000 bonus Nectar points when you spend £2,000 in your first three months of Cardmembership.

Points
Annual feeNot confirmed
Top earn rateNot confirmed
Ocean Finance№ 128

Ocean Credit Card

Mastercard issued by Ocean Finance.

Annual feeNot confirmed
Top earn rateNot confirmed
Royal Bank Of Scotland№ 129

onecard

Mastercard issued by Royal Bank Of Scotland.

Business
Annual fee£45per year
Top earn rateNot confirmed
Ulster Bank№ 130

onecard

Mastercard issued by Ulster Bank.

Business
Annual fee£32per year
Top earn rateNot confirmed
AIB (UK) / Allied Irish Bank (GB)№ 131

Options One Card

Credit card issued by AIB (UK) / Allied Irish Bank (GB).

Annual feeNot confirmed
Top earn rateNot confirmed
AIB (UK) / Allied Irish Bank (GB)№ 132

Options Two Card

Credit card issued by AIB (UK) / Allied Irish Bank (GB).

Annual feeNot confirmed
Top earn rateNot confirmed
Payhawk№ 133

Payhawk Visa Credit Card

Visa card issued by Payhawk.

Annual feeNot confirmed
Top earn rateNot confirmed
PayPal№ 134

PayPal Credit card

Credit card issued by PayPal.

0% Intro Purchases
Annual feeNot confirmed
Top earn rateNot confirmed
Capital One UK№ 135

Post Office Credit Card

Credit card issued by Capital One UK.

Balance Transfer0% Intro Purchases
Annual feeNot confirmed
Top earn rateNot confirmed
NewDay№ 136

Pulse Mastercard

Mastercard issued by NewDay.

Cash BackNo Annual Fee
Annual fee£0per year
Top earn rate0.25%Not yet checked with NewDayOther
Ulster Bank№ 137

Purchase & Balance Transfer Card

Credit card issued by Ulster Bank.

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Nationwide Building Society№ 139

Purchase and Balance Transfer Credit Card

With introductory offers of 0% interest on purchases and balance transfers for 15 months.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Vanquis Banking Group№ 140

Purchase Credit Card

Credit card issued by Vanquis Banking Group.

No Annual FeeNo Credit History
Annual fee£0per year
Top earn rateNot confirmed
Royal Bank Of Scotland№ 141

Reward Black Credit Card

Mastercard issued by Royal Bank Of Scotland.

Cash BackGas & Fuel
Annual fee£84per year · can be waived
Top earn rateNot confirmed
Royal Bank Of Scotland№ 142

Reward Credit Card

Mastercard issued by Royal Bank Of Scotland.

Cash BackGas & Fuel
Annual fee£24per year · can be waived
Top earn rateNot confirmed
Santander UK№ 143

Santander Rewards Credit Card

Mastercard issued by Santander UK.

Cash BackDining
Annual feeNot confirmed
Top earn rateNot confirmed
Santander UK№ 144

Santander World Elite™ Mastercard®

If you’re a Santander Select or Santander Private banking customer, you may be eligible for £90 cashback when you open a Santander World Elite Mastercard credit card during the offer period starting 26 March 2026.

Balance TransferLounge Access
Annual fee£15/month£180/yr
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.