How does a 0% purchase credit card work?

A 0% purchase card charges no interest on qualifying spending for a set promotional period, provided you meet the minimum repayments and the offer terms. After the period ends — or if terms are broken — interest usually applies at the standard purchase rate on any remaining balance. Compare [0% purchase credit cards](/borrow/credit-cards/zero-percent-purchase).

How does a balance-transfer card work?

A balance transfer moves existing credit-card debt onto a new card, often at 0% for a limited time. Providers commonly charge a transfer fee as a percentage of the amount moved. When the promotional period ends, interest usually applies to any remaining balance. Compare [balance transfer credit cards](/borrow/credit-cards/balance-transfer).

What does representative APR mean?

Representative APR is the rate that at least 51% of successful applicants are expected to receive. Your own rate and credit limit depend on the provider’s assessment and may differ. Always check the product terms before applying.

Will an eligibility check affect my credit score?

Soft eligibility checks generally will not affect your credit score. A full application may involve a hard credit search. See soft vs hard searches below, or our [credit score guide](/guides/credit-score/how-to-improve-your-credit-score).

What is the difference between a soft and hard credit search?

A soft search is usually visible only to you and generally does not affect your credit score. A hard search is recorded on a full application and may be seen by other lenders. Several hard searches in a short period can weigh on your credit file.

Can I get a credit card with limited or poor credit history?

Some providers offer credit-builder cards for thinner or imperfect credit files. Approval is not guaranteed; limits may be lower and rates higher than mainstream cards. Compare costs carefully. Compare [credit builder credit cards](/borrow/credit-cards/credit-builder).

What happens when a 0% period ends?

Any remaining balance typically starts attracting interest at the card’s standard rate unless it is repaid in full or moved under another qualifying offer. Check the promotional end date in the product terms.

Is there a fee for transferring a balance?

Often yes. Many 0% balance-transfer offers charge a fee as a percentage of the amount transferred. Include that fee when comparing the total cost of different cards.

Do credit cards charge for spending abroad?

Many UK cards add a foreign-transaction fee on non-sterling purchases. Some travel-focused cards do not. Cash withdrawals abroad can attract separate fees and interest from the transaction date. Compare [travel credit cards](/borrow/credit-cards/travel).

How many credit cards can I apply for?

There is no fixed legal limit, but each full application can involve a hard credit search. Several applications in a short period may reduce approval chances and can affect your credit file. Soft eligibility checks, where offered, can help you gauge likelihood first.

How quickly can a credit card improve my credit history?

On-time repayments and moderate utilisation may support your credit file over months, not days. Any improvement depends on your wider credit history and is not guaranteed. Practical steps are in our [credit score guide](/guides/credit-score/how-to-improve-your-credit-score).

Are credit-card rewards taxable?

In the UK, everyday retail cashback and points from personal spending are generally not treated as taxable income. Business use or unusual incentives can differ — check HMRC guidance if unsure. This is general information, not tax advice.

What is Section 75 protection?

Under Section 75 of the Consumer Credit Act, your credit-card provider can be jointly liable with the retailer for breach of contract or misrepresentation on qualifying purchases between £100 and £30,000. It does not cover every payment method. See our [Section 75 guide](/guides/borrowing/section-75-protection).

What happens if my application is declined?

A decline does not mean every provider will refuse you. You can check your credit report for errors and review income and outgoings before applying again. Spacing out full applications reduces the number of hard searches on your file. Approval and terms remain subject to status.

Compare Credit Cards

We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. See how we make money

WiT Money order follows the product database order — not affiliate commission. Rates and offers can change; verify final terms with the provider before applying. How we compare credit cards →

NatWest

The NatWest Credit Card

Rewards

No Annual Fee

12.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

None

May suit

Rewards

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

NatWest

The NatWest Credit Card

Rewards

No Annual Fee

12.9%

Representative APR

£0

Annual Fee

No 0% purchase offer

0% Purchases

May suit

Rewards

Rewards / Cashback:: Cashback available
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Tesco Bank

Tesco Bank All Round Credit Card

0% Purchases

Balance Transfer

Rewards

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 14 months

Balance transfers

0% for 14 months

May suit

0% purchase spending
Balance transfers
Rewards

14 months at 0% on purchases
14 months at 0% on balance transfers
14 months at 0% on money transfers
Collect Clubcard points

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Tesco Bank

Tesco Bank All Round Credit Card

0% Purchases

Balance Transfer

Rewards

24.9%

Representative APR

£0

Annual Fee

14 months

0% Purchases

14 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: Clubcard points
Eligibility check:: Soft eligibility check available

14 months at 0% on purchases
14 months at 0% on balance transfers
14 months at 0% on money transfers
Collect Clubcard points

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Tesco Bank

Tesco Bank Balance Transfer Credit Card

Balance Transfer

Rewards

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

0% for 36 months

May suit

Balance transfers
Rewards

36 months at 0% on balance transfers
3.45% balance-transfer fee
9 months at 0% on money transfers
Collect Clubcard points

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Tesco Bank

Tesco Bank Balance Transfer Credit Card

Balance Transfer

Rewards

No Annual Fee

24.9%

Representative APR

£0

Annual Fee

No 0% purchase offer

0% Purchases

36 months at 0%

Balance Transfer

May suit

Balance transfers
Rewards

Rewards / Cashback:: Clubcard points
Eligibility check:: Soft eligibility check available

36 months at 0% on balance transfers
3.45% balance-transfer fee
9 months at 0% on money transfers
Collect Clubcard points

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Barclaycard

Barclaycard Purchase Credit Card

0% Purchases

Balance Transfer

Rewards

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 24 months

Balance transfers

0% for 21 months

May suit

0% purchase spending
Balance transfers
Rewards

24 months promotional purchase offer
21 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Barclaycard

Barclaycard Purchase Credit Card

0% Purchases

Balance Transfer

Rewards

24.9%

Representative APR

£0

Annual Fee

24 months

0% Purchases

21 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: Cashback available
Eligibility check:: Soft eligibility check available

24 months promotional purchase offer
21 months promotional balance-transfer offer

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Barclaycard

Barclaycard Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 36 months

May suit

0% purchase spending
Balance transfers

3 months promotional purchase offer
36 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Barclaycard

Barclaycard Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

Representative APR

£0

Annual Fee

3 months

0% Purchases

36 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

3 months promotional purchase offer
36 months promotional balance-transfer offer

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

HSBC UK

HSBC Purchase Plus Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 24 months

Balance transfers

0% for 17 months

May suit

0% purchase spending
Balance transfers

24 months promotional purchase offer
17 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

HSBC UK

HSBC Purchase Plus Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

Representative APR

£0

Annual Fee

24 months

0% Purchases

17 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

24 months promotional purchase offer
17 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

HSBC UK

HSBC Balance Transfer Credit Card

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

0% for 36 months

May suit

Balance transfers

36 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

HSBC UK

HSBC Balance Transfer Credit Card

Balance Transfer

No Annual Fee

24.9%

Representative APR

£0

Annual Fee

No 0% purchase offer

0% Purchases

36 months at 0%

Balance Transfer

May suit

Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

36 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Santander UK

Santander Rewards Credit Card

0% Purchases

Rewards

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

None

May suit

0% purchase spending
Rewards

12 months promotional purchase offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Santander UK

Santander Rewards Credit Card

0% Purchases

Rewards

No Annual Fee

24.9%

Representative APR

£0

Annual Fee

No 0% purchase offer

0% Purchases

May suit

0% purchase spending
Rewards

Rewards / Cashback:: 3% selected categories in year 1; 0.25% other purchases, then 0.25% on everything
Eligibility check:: Soft eligibility check available

12 months promotional purchase offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Nationwide Building Society

Nationwide Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 30 months

May suit

0% purchase spending
Balance transfers

3 months promotional purchase offer
30 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Nationwide Building Society

Nationwide Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

Representative APR

£0

Annual Fee

3 months

0% Purchases

30 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

3 months promotional purchase offer
30 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Virgin Money

Virgin Money All Round Credit Card

0% Purchases

Balance Transfer

Rewards

27.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 20 months

Balance transfers

0% for 20 months

May suit

0% purchase spending
Balance transfers
Rewards

Up to 20 months at 0% on purchases
Up to 20 months at 0% on balance transfers
2.95% balance-transfer fee
Virgin Money Cashback offers

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Virgin Money

Virgin Money All Round Credit Card

0% Purchases

Balance Transfer

Rewards

27.9%

Representative APR

£0

Annual Fee

20 months

0% Purchases

20 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: Virgin Money Cashback
Eligibility check:: Soft eligibility check available

Up to 20 months at 0% on purchases
Up to 20 months at 0% on balance transfers
2.95% balance-transfer fee
Virgin Money Cashback offers

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Virgin Money

Virgin Money Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

27.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 36 months

May suit

0% purchase spending
Balance transfers

Up to 36 months at 0% on balance transfers
3 months at 0% on purchases
Transfer up to 95% of credit limit
Eligibility checker uses a soft search

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Virgin Money

Virgin Money Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

27.9%

Representative APR

£0

Annual Fee

3 months

0% Purchases

36 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Up to 36 months at 0% on balance transfers
3 months at 0% on purchases
Transfer up to 95% of credit limit
Eligibility checker uses a soft search

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Santander UK

Santander All in One Credit Card

0% Purchases

Balance Transfer

Rewards

29.8%

RepresentativeAPR

Not publicly stated / not verified

Annual fee

Introductory offers

Purchases

0% for 15 months

Balance transfers

0% for 15 months

May suit

0% purchase spending
Balance transfers
Rewards

15 months promotional purchase offer
15 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Santander UK

Santander All in One Credit Card

0% Purchases

Balance Transfer

Rewards

29.8%

Representative APR

Not publicly stated / not verified

Annual Fee

15 months

0% Purchases

15 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: 0.5% cashback, capped at £10/month
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

15 months promotional purchase offer
15 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Zable

Zable Credit Card

Credit Builder

No Annual Fee

Building credit

29.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

None

May suit

Building or rebuilding credit

Designed for rebuilding credit
Eligibility quote does not affect credit score
Starting credit limits up to £4,000
App-based account management

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Zable

Zable Credit Card

Credit Builder

No Annual Fee

29.9%

Representative APR

£0

Annual Fee

No 0% purchase offer

0% Purchases

May suit

Building or rebuilding credit

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Designed for rebuilding credit
Eligibility quote does not affect credit score
Starting credit limits up to £4,000
App-based account management

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

HSBC UK

HSBC Classic Credit Card

Credit Builder

No Annual Fee

Building credit

29.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

None

May suit

Building or rebuilding credit

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

HSBC UK

HSBC Classic Credit Card

Credit Builder

No Annual Fee

29.9%

Representative APR

£0

Annual Fee

No 0% purchase offer

0% Purchases

May suit

Building or rebuilding credit

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

NatWest

NatWest Reward Credit Card

Rewards

31%

RepresentativeAPR

£24

Annual fee

Introductory offers

Purchases

None

Balance transfers

None

May suit

Rewards

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

NatWest

NatWest Reward Credit Card

Rewards

31%

Representative APR

£24

Annual Fee

No 0% purchase offer

0% Purchases

May suit

Rewards

Rewards / Cashback:: NatWest Rewards
Eligibility check:: Soft eligibility check available

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Yonder

Yonder Free Credit Card

0% Purchases

Rewards

No Annual Fee

31.6%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

None

May suit

0% purchase spending
Rewards

1 months promotional purchase offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Yonder

Yonder Free Credit Card

0% Purchases

Rewards

No Annual Fee

31.6%

Representative APR

£0

Annual Fee

No 0% purchase offer

0% Purchases

May suit

0% purchase spending
Rewards

Rewards / Cashback:: 1 point per £1
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

1 months promotional purchase offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Barclaycard

Barclaycard Forward Credit Card

Credit Builder

0% Purchases

Balance Transfer

Building credit

33.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 6 months

Balance transfers

0% for 6 months

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

6 months promotional purchase offer
6 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Barclaycard

Barclaycard Forward Credit Card

Credit Builder

0% Purchases

Balance Transfer

33.9%

Representative APR

£0

Annual Fee

6 months

0% Purchases

6 months at 0%

Balance Transfer

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

6 months promotional purchase offer
6 months promotional balance-transfer offer

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

American Express

Amex Cashback Credit Card

0% Purchases

Rewards

34.6%

RepresentativeAPR

£25

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

None

May suit

0% purchase spending
Rewards

3 months promotional purchase offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

American Express

Amex Cashback Credit Card

0% Purchases

Rewards

34.6%

Representative APR

£25

Annual Fee

3 months

0% Purchases

May suit

0% purchase spending
Rewards

Rewards / Cashback:: American Express rewards / cashback
Eligibility check:: Soft eligibility check available

3 months promotional purchase offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Zopa

Zopa Credit Card

Credit Builder

No Annual Fee

Building credit

34.8%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

None

May suit

Building or rebuilding credit

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Zopa

Zopa Credit Card

Credit Builder

No Annual Fee

34.8%

Representative APR

£0

Annual Fee

No 0% purchase offer

0% Purchases

May suit

Building or rebuilding credit

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Capital One

Capital One Classic Mastercard

Credit Builder

No Annual Fee

Building credit

34.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

None

May suit

Building or rebuilding credit

Credit-building card
No annual cost
QuickCheck eligibility with no credit-score impact
Up to 56 days interest-free on purchases if repaid in full

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

1 August 2026

Provider information

Verified

Capital One

Capital One Classic Mastercard

Credit Builder

No Annual Fee

34.9%

Representative APR

£0

Annual Fee

No 0% purchase offer

0% Purchases

May suit

Building or rebuilding credit

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Credit-building card
No annual cost
QuickCheck eligibility with no credit-score impact
Up to 56 days interest-free on purchases if repaid in full

Product details last checked: 1 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Fluid

Fluid Balance Transfer Credit Card

Credit Builder

Balance Transfer

No Annual Fee

Building credit

34.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

0% for 9 months

May suit

Building or rebuilding credit
Balance transfers

Up to 9 months at 0% on balance transfers
3% balance-transfer fee
Transfers within 60 days
Up to 90% of available credit limit transferable

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

1 August 2026

Provider information

Verified

Fluid

Fluid Balance Transfer Credit Card

Credit Builder

Balance Transfer

No Annual Fee

34.9%

Representative APR

£0

Annual Fee

No 0% purchase offer

0% Purchases

9 months at 0%

Balance Transfer

May suit

Building or rebuilding credit
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Up to 9 months at 0% on balance transfers
3% balance-transfer fee
Transfers within 60 days
Up to 90% of available credit limit transferable

Product details last checked: 1 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Marbles

Marbles Credit Card

Credit Builder

Building credit

34.9%

RepresentativeAPR

Not publicly stated / not verified

Annual fee

Introductory offers

Purchases

None

Balance transfers

None

May suit

Building or rebuilding credit

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

1 August 2026

Provider information

Verified

Marbles

Marbles Credit Card

Credit Builder

34.9%

Representative APR

Not publicly stated / not verified

Annual Fee

No 0% purchase offer

0% Purchases

May suit

Building or rebuilding credit

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Product details last checked: 1 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Vanquis Balance Transfer Card

Vanquis Balance Transfer Credit Card

Credit Builder

0% Purchases

Balance Transfer

Building credit

35.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 19 months

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

Up to 19 months at 0% on balance transfers
Up to 3.9% balance-transfer fee
3 months at 0% on purchases
Eligibility check with no credit-score impact

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Vanquis Balance Transfer Card

Vanquis Balance Transfer Credit Card

Credit Builder

0% Purchases

Balance Transfer

35.9%

Representative APR

£0

Annual Fee

3 months

0% Purchases

19 months at 0%

Balance Transfer

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Up to 19 months at 0% on balance transfers
Up to 3.9% balance-transfer fee
3 months at 0% on purchases
Eligibility check with no credit-score impact

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Vanquis Credit Builder Card

Vanquis Credit Builder Credit Card

Credit Builder

No Annual Fee

Building credit

37.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

None

May suit

Building or rebuilding credit

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Vanquis Credit Builder Card

Vanquis Credit Builder Credit Card

Credit Builder

No Annual Fee

37.9%

Representative APR

£0

Annual Fee

No 0% purchase offer

0% Purchases

May suit

Building or rebuilding credit

Rewards / Cashback:: Cashback with selected retailers
Eligibility check:: Soft eligibility check available

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Aqua

Aqua Classic Credit Card

Credit Builder

Rewards

No Annual Fee

Building credit

39.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

None

May suit

Building or rebuilding credit
Rewards

Designed to help build credit
Eligibility response with no credit-score impact
Credit-building tools in the Aqua app

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Aqua

Aqua Classic Credit Card

Credit Builder

Rewards

No Annual Fee

39.9%

Representative APR

£0

Annual Fee

No 0% purchase offer

0% Purchases

May suit

Building or rebuilding credit
Rewards

Rewards / Cashback:: Cashback available
Eligibility check:: Soft eligibility check available

Designed to help build credit
Eligibility response with no credit-score impact
Credit-building tools in the Aqua app

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Thimbl

Thimbl Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

39.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 6 months

Balance transfers

0% for 6 months

May suit

0% purchase spending
Balance transfers

6 months promotional purchase offer
6 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Thimbl

Thimbl Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

39.9%

Representative APR

£0

Annual Fee

6 months

0% Purchases

6 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

6 months promotional purchase offer
6 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Vanquis Travel Card

Vanquis Travel Credit Card

Travel

No Annual Fee

40.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

None

May suit

Overseas spending

No foreign transaction fees
Travel-focused benefits
Eligibility check with no credit-score impact
Cash withdrawal fee still applies

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Vanquis Travel Card

Vanquis Travel Credit Card

Travel

No Annual Fee

40.9%

Representative APR

£0

Annual Fee

No 0% purchase offer

0% Purchases

May suit

Overseas spending

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

No foreign transaction fees
Travel-focused benefits
Eligibility check with no credit-score impact
Cash withdrawal fee still applies

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Thimbl

Thimbl Credit Builder Credit Card

Credit Builder

No Annual Fee

Building credit

48.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

None

May suit

Building or rebuilding credit

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Thimbl

Thimbl Credit Builder Credit Card

Credit Builder

No Annual Fee

48.9%

Representative APR

£0

Annual Fee

No 0% purchase offer

0% Purchases

May suit

Building or rebuilding credit

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

118 118 Money

118 118 Money Credit Card

Credit Builder

No Annual Fee

Building credit

49%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

None

May suit

Building or rebuilding credit

Eligibility check with no credit-score impact
Guaranteed APR and credit limit if eligible
No balance-transfer fee
Up to 51 days interest-free on purchases if repaid in full

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

118 118 Money

118 118 Money Credit Card

Credit Builder

No Annual Fee

49%

Representative APR

£0

Annual Fee

No 0% purchase offer

0% Purchases

May suit

Building or rebuilding credit

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Eligibility check with no credit-score impact
Guaranteed APR and credit limit if eligible
No balance-transfer fee
Up to 51 days interest-free on purchases if repaid in full

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Yonder

Yonder Full Credit Card

0% Purchases

Rewards

65.1%

RepresentativeAPR

Not publicly stated / not verified

Annual fee

Introductory offers

Purchases

0% for 1 month

Balance transfers

None

May suit

0% purchase spending
Rewards

1 months promotional purchase offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Yonder

Yonder Full Credit Card

0% Purchases

Rewards

65.1%

Representative APR

Not publicly stated / not verified

Annual Fee

1 month

0% Purchases

May suit

0% purchase spending
Rewards

Rewards / Cashback:: 5 points per £1; travel insurance; flight and cashback redemption
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

1 months promotional purchase offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Virgin Money

Virgin Atlantic Reward+ Credit Card

Rewards

Travel

69.7%

RepresentativeAPR

£160

Annual fee

Introductory offers

Purchases

None

Balance transfers

None

May suit

Rewards
Overseas spending

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Virgin Money

Virgin Atlantic Reward+ Credit Card

Rewards

Travel

69.7%

Representative APR

£160

Annual Fee

No 0% purchase offer

0% Purchases

May suit

Rewards
Overseas spending

Rewards / Cashback:: Virgin Points: 1.5 points/£1 everyday; 3 points/£1 direct with Virgin Atlantic/Virgin Holidays
Eligibility check:: Soft eligibility check available
Overseas spending:: Standard overseas fees apply

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

American Express

American Express Preferred Rewards Gold Credit Card

0% Purchases

Rewards

85.8%

RepresentativeAPR

£195

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

None

May suit

0% purchase spending
Rewards

3 months promotional purchase offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

American Express

American Express Preferred Rewards Gold Credit Card

0% Purchases

Rewards

85.8%

Representative APR

£195

Annual Fee

3 months

0% Purchases

May suit

0% purchase spending
Rewards

Rewards / Cashback:: American Express rewards / cashback
Eligibility check:: Soft eligibility check available

3 months promotional purchase offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

American Express

The Platinum Card

0% Purchases

Rewards

685.3%

RepresentativeAPR

£650

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

None

May suit

0% purchase spending
Rewards

3 months promotional purchase offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

American Express

The Platinum Card

0% Purchases

Rewards

685.3%

Representative APR

£650

Annual Fee

3 months

0% Purchases

May suit

0% purchase spending
Rewards

Rewards / Cashback:: American Express rewards / cashback
Eligibility check:: Soft eligibility check available

3 months promotional purchase offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Representative APRs and product details are taken from lender disclosures and may change. Your rate and credit limit depend on your circumstances. Credit subject to status. Always confirm current terms on the provider’s website.

Credit Cards

Compare 33 matching cards

Who typically qualifies?

Usually required

What lenders may assess

Before applying for a credit card

Important things to know

Common questions about credit cards

Found something that needs updating?

Continue with a related page