Market Research

Best Credit Cards In The UK: Top Picks!

By Stephen Carter


Reviewed by: Stephen Carter


Best Credit Cards In The UK

It seems everyone has at least a credit card. Do you have one? Credit card usage is seen to be increasing in the UK and all people can benefit from this bank card.

You can use them for foreign transactions, for everyday uses and they are known for the rewards and cashback as well. Credit cards can be used by students as well.

Do you know that there are different types of credit cards designated for each use? Here we have the list of the best credit cards in the UK. 

Barclaycard Rewards Credit Card

Barclaycard Rewards Credit Card is mostly used for spending and withdrawing cash overseas. It has a 27.9% APR on purchases and no fees.

The key features of this credit card are as follows: it gives you cashback for spending, free Apple subscriptions, and there are no fees for foreign transactions. You do not have to pay fees for the withdrawals that come under foreign transactions. 

Halifax Clarity Credit Card

Halifax Clarity Credit Card is best used for withdrawing and spending cash overseas. The APR on purchases varies and this credit card does not charge you fees. Let us look at the key features of Halifax Clarity Credit Card: it offers advanced fraud protection and there is a dedicated UK customer support team.

Also, you do not have to pay fees for any of the foreign transactions that you make using this credit card even when you withdraw cash.

Asda Money Credit Card

Asda Money Credit Card has no fees and it has a 25.9% APR on purchases. The card is famously used for rewards. A specialty feature of this card is that it lets you earn points when you spend money and these points are referred to as ASDA points. 

NatWest Credit Card

NatWest Credit Card is seen as the best for everyday use. It also provides the best experience when you have to spend money abroad. It comes with a 12.9% APR on purchases and there are no fees. Credit cards offer you different installment plans and do not issue your charges for foreign transactions.

Santander All-in-One Credit Card

As its name clearly suggests, the Santander All-in-One Credit Card can be used for all purposes. You can use it to pay for your everyday purchases, for rewards, and to spend abroad. You have to pay fees of £3 per month and it has a 21.9% APR on purchases. The card does not charge you any foreign transaction fees and charges a 0% interest on purchases for 15 months. 

Bip Cardless Credit

Bip Cardless Credit is best known for its card-free contactless spending model. There is no payment for the card, however, it has a 29.9% APR on purchases. You do not have to pay any fees for conducting foreign transactions. This cardless credit can be stored on your phone for your convenience. 

Zopa Credit Card

Zopa Credit Card is mostly used for spending abroad. There is a 24.9% APR on purchases with 0 fees. It provides you with instant notifications, and there is a Credit Cushion feature available for you when you use it. You do not have to pay additional fees for foreign transactions. 

Metro Bank Credit Card

Metro Bank Credit Card is deemed one of the best credit cards to spend in Europe. It aids you with free transactions including free withdrawals within Europe. You have to pay no fees. There is a 14.9% APR on purchases. 

TSB Student Credit Card

It is seen as one of the best credit cards for students in the UK in 2024. It enables online card management and also app card management. There is a 21.9% APR on purchases and no fees. 

John Lewis Credit Card

John Lewis Credit Card is best known for rewards. The card helps you to earn points for spending. Note that to get points you need to spend at John Lewis or Waitrose. It comes with a 27.9% APR on purchases and there are no fees for using the card. 

Tesco Bank Foundation Credit Card

Tesco Bank Foundation Credit Card does not charge you fees for the card. It is one of the best credit cards in the UK for building a credit score. When you use this credit card you can earn Tesco Clubcard points. You also get access to Tesco Bank Credit View. The card comes with a 29.9% APR on purchases. 

Amex Platinum Cashback Everyday

Amex Platinum Cashback Everyday is best known for cashback. This credit card rewards you with cashback on purchases. It also provides you with travel perks. There is a 30.9% APR on purchases and no fees. 

The Bottom Line

When you choose your credit card, know what your requirements are. There are particular credit cards seen as best for everyday use, abroad spending, for students, and more. They are all in one credit card too. Do you use any of the credit cards we mentioned above? If yes, please let us know. 

Stephen Carter

Stephen Carter is a software technology expert. He writes about market research on various hot topics like cryptocurrencies, explaining how they started. He's good at making complicated tech ideas easy to understand for everyone.

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