In this video I will discuss the current best credit cards in the UK. If you find this information useful, don’t forget to click the like button and subscribe to our channel. We regularly update our videos with the latest and greatest deals available.
## The best credit cards in the UK
In this article, we will explore the best credit cards in the UK based on different categories. Let’s go ahead and take a closer look:
### Best 0% Shopping Credit Card
The M&S Credit Card takes the spot as the best 0% shopping credit card. With a representative 23.9% APR and no annual fee, this card offers an 18-month interest-free period on purchases and balance transfers. This is a fantastic option for those looking to make large purchases without worrying about interest for a considerable period of time.
### Best 0% Balance Transfer Card
The Santander Everyday Credit Card remains the top choice for a 0% balance transfer card. Although the interest-free period has been reduced to 26 months from the previous 28 months, it still provides a generous time frame to repay existing debts without incurring additional interest. Please note that there is a 3% transfer fee associated with this card.
### Best credit card for money transfer
This month, the Virgin Money credit card takes the lead as the best credit card for money transfer. It offers a 4% transfer fee, a representative APR of 25.9% and a 12-month interest-free period. If you need to transfer money from your credit card to your bank account, this card is a viable option.
### Best credit card for credit
For those looking to build or replenish their credit, the Tesco Bank Foundation Credit Card remains the top choice. It offers favorable terms and conditions to help individuals establish a positive credit history.
### Best Cash Back & Rewards Credit Card
The American Express Platinum Everyday Cash Back Credit Card ranks among the best cash back and rewards credit cards. With a representative APR of 30.7%, this card offers fee-free cashback and various benefits. During the launch period, users can receive 5% cashback on purchases up to £100, with cashback rates gradually decreasing thereafter.
### Best Travel Credit Card
The Barclaycard Rewards credit card is a great option for those who frequently travel internationally. This card allows users to earn rewards in the UK and when spending abroad. Plus, there are no foreign transaction fees or fees for cash withdrawals abroad.
### Best Low Rate Credit Cards
Our article also covers business credit cards and student credit cards, but let’s focus on the best all-around credit card. The NatWest Purchase and Balance Transfer Credit Card takes the lead in this category. Although the interest-free period has been reduced to 17 months for purchases and balance transfers, it still provides users with a reasonable amount of time to manage their finances without accruing interest.
It is important to note that credit card offers and terms are subject to change. It is advisable to explore different options and take actions based on your specific needs and financial goals.
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