SO
Sterling Oak Cashback
Cashback credit card
- 1% cashback on all spend
- No annual fee
- Fraud protection
- Manage in-app
Representative example: £1,200 credit limit, 24.9% APR variable. Subject to status. 18+ UK residents only.
Compare the best UK credit cards for 2026
From everyday cashback to interest-free spending and travel rewards, our independent comparison helps you find a card that fits how you actually spend.
From everyday cashback to interest-free spending and travel rewards, our independent comparison helps you find a card that fits how you actually spend.
MT
Meridian Travel Rewards
Travel rewards card
- No foreign transaction fees
- Airport lounge access
- 2 points per £1 abroad
- Travel insurance
Representative example: £2,000 credit limit, 29.9% APR variable. Subject to status. 18+ UK residents only.
CF
Crownfield 0% Purchase
0% purchase card
- 0% on purchases for 20 months
- No annual fee
- Free credit score
- Section 75 protection
Representative example: £1,500 credit limit, 22.9% APR variable. Subject to status. 18+ UK residents only.
HB
Harborline Balance Transfer
Balance transfer card
- 0% transfers for 28 months
- 2.9% transfer fee
- No annual fee
- Online management
Representative example: £3,000 credit limit, 26.9% APR variable. Subject to status. 18+ UK residents only.
BE
Brightmoor Everyday
Low-rate credit card
- Low 12.9% representative APR
- No annual fee
- Contactless & digital wallet
- UK-based support
Representative example: £1,000 credit limit, 12.9% APR variable. Subject to status. 18+ UK residents only.
KB
Kingsway Build Credit
Credit builder card
- Helps build credit history
- Low starting limit
- Regular limit reviews
- No annual fee
Representative example: £300 credit limit, 34.9% APR variable. Subject to status. 18+ UK residents only.
Buyer’s guide
Finding the right credit card in the UK
A credit card can be a genuinely useful financial tool — earning cashback on everyday spending, spreading the cost of a big purchase interest-free, or protecting you under Section 75 when you buy online. The trick is matching the card to your habits. If you clear your balance every month, a cashback or rewards card rewards you for spending you would do anyway. If you are carrying a balance, a 0% purchase or balance-transfer card can save you far more than any rewards scheme. Our comparison lays out the representative APR, fees and headline features side by side so you can see the true cost, not just the marketing. Every card below is reviewed by our team and refreshed daily. Remember that approval and your actual rate depend on your circumstances and a credit check — the representative APR is only guaranteed to at least 51% of successful applicants.
Compare with confidence, then apply directly or request a callback and our team will help you choose.
What to check before you apply
- The representative APR or AER, not just the headline offer
- Any monthly, annual or transfer fees
- Eligibility criteria and whether a soft search is available
- How the product is protected (FSCS, Section 75)
- The provider’s own terms and conditions in full
FAQ
Credit Cards questions, answered
Is your comparison service really free?
Yes. Using Szerensejáték is completely free for you. We earn a commission from providers when you apply through our links, but this never changes the price you pay and never influences our rankings.
Are you independent from banks and lenders?
We are 100% independent and not owned by any bank or financial institution. Our comparisons are based on rates, fees and features — not on who pays us the most commission.
How do you choose which products to list?
We assess products on their rates, fees, features and overall value to a typical UK consumer. Commission never affects the order — our editorial team sets the rankings independently.
Will comparing here affect my credit score?
No. Simply browsing and comparing on Szerensejáték has no effect on your credit score. A hard credit check only happens if you choose to apply with a provider.
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