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Lowest standard rates 0% balance transfer deals Low long term / life of balance transfer rates Purchase rates including 0% deals Cashback / reward offers Suitable for poor credit history (CCJs, arrears, defaults) Credit cards for business
Credit Card Searcher is an independent service designed to make it easy for you to select the best credit card deal for your individual circumstances and requirements.
You can use the search facility above to compare deals on purchases, balance transfers and rewards from many of the leading UK credit card issuers including American Express, Barclaycard, Capital One, Halifax, HSBC, MBNA, NatWest, Royal Bank of Scotland, Vanquis, Virgin plus many others.
The rates listed are updated daily. and all of the cards we list provide an online application facility.
Simply select some criteria from the compare facility above, click the red button, and we'll give you a tailored list of UK credit cards from a selection of leading providers. Review each product, then select and apply online when you've found the right one for you.
0% credit card rates for new customers
Many credit card providers now offer an introductory interest rate which is fixed below the card's standard rate for a limited duration.
The rate tends to be very competitive in order to attract new customers, but will revert to the standard rate when the introductory duration ends. Use the search facility above in order to determine the latest 0% credit card deals.
Credit card balance transfers
If you've got a card with a hefty balance carried over each month, you should consider moving the debt to a different company.
Several issuers offer 0% APR on
credit card balance transfers. The honeymoon period usually lasts around 12 months, although some of the best credit cards for balance transfers offer interest free rates for as long as 13, 15 or even 30 months.
This can provide you some welcome breathing space in which to pay off your debt without accruing interest. When the grace period ends the APR reverts to the standard, which varies, depending on which UK credit card you choose and your personal credit rating.
Individuals who are worried about debt should change to a card charging 0 per cent on balances for an introductory period and aim to clear what they owe within that time period. If this is unlikely, go for a card which offers a low rate until the balance is completely cleared.
Balance transfer fees can be a sting in the tail, so make sure you take these into consideration when you compare rates.
Low interest credit cards
Many consumers continue to pay far higher rates of interest for spending on their credit cards than the current average APR. By simply changing to a different provider they are likely save a significant amount of money each year in interest.
People who have stayed loyal to their bank and never changed their credit card are more than likely being charged excessive rates of interest. With lower standard rates and introductory 0% offers for purchases and balance transfers available, now is the time to switch to a low interest credit card.
Following a period in the doldrums, the credit card market is beginning to heat up again with lenders regularly launching competitive deals.
The credit crunch sent providers into retreat, but now there is an apparent resurgence with a much greater choice on offer. It's never been easier to switch deals, but it's important to note the best deals are usually reserved for those with impeccable credit scores.