The Best Credit Cards

The Best Credit Cards in the UK Credit Card Market are hard to find, and all applicants needs to appreciate that the Best Card Deal is totally relative to the individual needs, circumstances and financial status of the applicant.

NB: All credit cards will carry additional charges e.g., Annual Fees, Surcharges, POS Charges (Point of Sale), Cash Withdrawal Charges etc., (Please bear in mind these are just examples of possible charges and each credit card company will off different terms per credit card on offer).

Credit Card Companies

We would urge all serious credit card applicants to compare cards from all of the various credit card companies in the UK. Today’s credit card market can be segregated into the following categories: -

Online credit cards

Most credit card companies offer their services on the internet. Quite often they will have no physical branches (no high street presence). therefore with lower overheads and larger profit margins they will quite often more competitive deals (subject to terms and conditions) e.g., Egg, First Direct, Cahoot, Goldfish, Intelligent Finance, Mint, Smile, Capital One, Morgan Stanley to name a few.

High street credit cards (Banks and Building Societies)

These are the traditional banks and building societies with a high street presence e.g., Abbey National, Alliance & Leicester, Barclays, Co-Operative Bank, Halifax, HSBC, Lloyds TSB, Nationwide and NatWest, Northern Rock.

Supermarket credit cards (Tesco, Sainsbury’s, Waitrose, Morrison’s, Marks & Spencer etc.,)

Supermarkets seem to be constantly staying abreast of the market, and have began offering credit cards to the masses. These cards are often underwritten by the larger financial organisations but carry incentivized shopping arrangements for the applicant.

Affinity (charity) credit cards

Affinity cards (linked to charities) offer the credit card applicant the opportunity to make a donation on every spend. Some affinity cards can be affiliated with businesses, sports or brands. e.g., Breakthrough, National Trust, WWF, British Heart Foundation.

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