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0% windows, balance transfers, rewards and credit building, compared without hiding what comes after the offer.
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See what’s available before checking which cards you may qualify for.
10 credit cards
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William’s shortcut · Pick the job before the card: move debt, spread a purchase, or earn on spending you’d do anyway.
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Every card on the board: pick a type above to see only what fits the job.
10 cards
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Fees
More filters: rewards type, FX fees and APR bands arrive with live data.
Representative APRs are illustrative: your rate and limit depend on your circumstances. Eligibility checking arrives with our comparison partner.
NatWestBalance TransferMoneyHQ pick
Best for · Clearing the debt inside a year, fee-free
The catch · Only 12 months at 0%
0% · 12 mo
Balance transfers
then 22.9% rep APR
NatWestPick
Best for · Clearing the debt inside a year, fee-free
0% · 12 mo
Check eligibility →then 22.9% rep APR
No transfer fee
BarclaycardTravel RewardsMoneyHQ pick
Best for · Card spending abroad without the 3% markup
The catch · Cash withdrawals still charge interest from day one
0% FX fee
Spending abroad
24.9% rep APR, clear it monthly
BarclaycardPick
Best for · Card spending abroad without the 3% markup
0% FX fee
Check eligibility →24.9% rep APR, clear it monthly
The catch · Cash withdrawals still charge interest from day one
BarclaycardPlatinum 29M Transfer
Best for · The longest 0% window on the board
The catch · 3.45% transfer fee, £34.50 per £1,000 moved
0% · 29 mo
Balance transfers
then 24.9% rep APR
BarclaycardPlatinum 29M Transfer
Best for · The longest 0% window on the board
0% · 29 mo
Check eligibility →then 24.9% rep APR
The catch · 3.45% transfer fee
Virgin Money28M Transfer
Best for · A long window at a lower fee
The catch · 2.99% transfer fee
0% · 28 mo
Balance transfers
then 24.9% rep APR
Virgin Money28M Transfer
Best for · A long window at a lower fee
0% · 28 mo
Check eligibility →then 24.9% rep APR
The catch · 2.99% transfer fee
HSBCPurchase Plus 22M
Best for · Spreading a big planned purchase
The catch · Miss a payment and the 0% can be withdrawn
0% · 22 mo
On purchases
then 23.9% rep APR
HSBCPurchase Plus 22M
Best for · Spreading a big planned purchase
0% · 22 mo
Check eligibility →then 23.9% rep APR
The catch · Miss a payment and the 0% can be withdrawn
SantanderEveryday 18M Purchases
Best for · A shorter window with wide acceptance
The catch · Nothing significant found. Check the provider's terms before applying.
0% · 18 mo
On purchases
then 24.9% rep APR
SantanderEveryday 18M Purchases
Best for · A shorter window with wide acceptance
0% · 18 mo
Check eligibility →then 24.9% rep APR
The catch · Nothing significant found. Check the provider's terms before applying.
SantanderLow Rate Card
Best for · Carrying a balance without a promo cliff
The catch · Nothing significant found. Check the provider's terms before applying.
11.9% APR
Ongoing, no 0% window
No promotional period to expire
SantanderLow Rate Card
Best for · Carrying a balance without a promo cliff
11.9% APR
Check eligibility →No promotional period to expire
The catch · Nothing significant found. Check the provider's terms before applying.
Virgin MoneyCashback Card
Best for · Flat cashback, no supermarket tie-in
The catch · £160 annual fee, you need ~£16,000 of spend to break even
1% back
On everything, uncapped
22.9% rep APR, clear it monthly
Virgin MoneyCashback Card
Best for · Flat cashback, no supermarket tie-in
1% back
Check eligibility →22.9% rep APR, clear it monthly
The catch · £160 annual fee, you need ~£16,000 of spend to break even
Tesco BankClubcard Plus Rewards
Best for · Points on the shopping you already do
The catch · Points capped each month
1 pt / £1
Clubcard points on spend
26.9% rep APR, clear it monthly
Tesco BankClubcard Plus Rewards
Best for · Points on the shopping you already do
1 pt / £1
Check eligibility →26.9% rep APR, clear it monthly
The catch · Points capped each month
Tesco BankFoundation Card
Best for · Building a thin or damaged credit file
The catch · High APR: only works if you clear it in full monthly
34.9% APR
Representative, variable
Low starting limit, reviewed at 6 months
Tesco BankFoundation Card
Best for · Building a thin or damaged credit file
34.9% APR
Check eligibility →Low starting limit, reviewed at 6 months
The catch · High APR: only works if you clear it in full monthly
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