The best credit cards in the UK are the ones that fit your style of spending and your needs. Because credit card issuers recognize that fact, nearly every major credit card company offers a variety of credit card products. While this is good news for you, the consumer, it also means that it can be very confusing when you decide to apply for a credit card. Here’s a quick look at the most popular credit cards in the UK, and what makes them the best credit cards in the UK.
Best Credit Cards in the UK with Low Interest Rates
Are you likely to carry a balance on your credit card? If you’re like 50% of people who don’t clear their balance each month, then the best credit cards for you are those that carry a permanent low interest rate. Some of the most popular low interest UK credit cards include the American Express Platinum Card, Cahoot, Capitol One Platinum, Marbles and Morgan Stanley Standard Cashback card.
Best Credit Cards in the UK for Balance Transfer
Do you have existing credit card debt that you want to clear? Nearly every credit card company offers a 0% introductory balance transfer rate. Apply for a credit card that offers you the longest 0% introductory term and a low interest rate thereafter on existing balances. Credit cards in the UK that offer 0% interest on balance transfers for at least 9 months include MBNA Platinum Plus, Virgin Balance Transfer card, RBS balance transfer card and NatWest.
Best Credit Cards in the UK for Rewards and Cash Back
Do you like getting a little extra back for your using your credit card? Many credit card companies offer rewards like air miles and cash back for every pound you spend using their credit cards. Some of the best rewards and cash back credit cards in the UK include Marbles (0.5% cash back on all purchases), EGG Visa (up to 10% cash back on some online purchases), Morgan Stanley Platinum Card (up to 2% cash back on purchases), Virgin Shopaholic Card (up to 10% discounts and cash back from Virgin online shops) and the GM card (up to 2000 (pounds) on a new Vauxhall or 2500 (pounds) on a new Saab).
Best Credit Cards in the UK for Purchases
Some credit cards make it easy for you to shop for the things you need the most by offering special introductory rates on new purchases or longer interest free periods when you make purchases. In addition, some credit card companies have made special deals with specific merchants to give their cardholders extra discounts on purchases. Some of the credit cards that offer special incentives for making purchases with your credit card include Virgin’s Shopaholic card (up to 10% discount from participating merchants), Cahoot (11.8% interest on purchases), Royal Bank of Scotland (RBS) and Morgan Stanley Buy and Fly Card.
At www.moneyeverything.com/cards, you can compare the various credit card choices offered by credit card companies and find the best credit cards in the UK. Whether you’re looking for a credit card with a low rate of interest, a 0% credit card for balance transfer or an affinity credit card to make your heart feel good when you spend, you can apply for a credit card through www.moneyeverything.com and know that you’re choosing from the best credit cards in the UK.
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More About Russell Hughes: Jon Francis has been involved with various areas in the world of finance and has a keen eye for a bargin! He has an in-depth knowledge of the UK credit card market and now helps others get the best from their credit cards.
View their website at: www.moneyeverything.com/cards
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