Top 10 Credit Cards 2023

1. Barclaycard Platinum Balance Transfer & Purchase Credit Card

Balance transfer – 0% for 22 months with a 2.9% fee

Purchases – 0% for 25 months

Representative APR (variable) – 22.9% APR

Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise, the rate will be 22.9% p.a. variable with no fee. The duration of the introductory offer may vary depending on your personal circumstances.

2. Sainsbury’s Bank Dual Offer Credit Card

Balance transfer – 0% for 21 months with a 3% fee (£3 min.)

Purchases – 0% for 21 months

Representative APR (variable) – 21.9% APR

The balance transfer fee of 3% or 4% applies to transfers made within your first three months, depending on your individual circumstances. The charge will depend on your current offer thereafter. Sainsbury’s Bank may offer you a 0% interest period of 21 or 13 months instead depending on your individual circumstances.

3. M&S Bank Shopping Plus Credit Card

Balance transfer – 0% for 18 months with a 2.99% fee (£5 min.)

Purchases – 0% for 21 months

Representative APR (variable) – 23.9% APR

Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise, the rate will be 23.9% p.a. variable with no fee.

4. Halifax Longest 0% Balance Transfer Credit Card

Balance transfer – 0% for 29 months with a 3.49% fee

Purchases – 0% for 6 months

Representative APR (variable) – 22.9% APR

Balance Transfers must be completed within the first 90 days to get the promotional offers. The duration of the introductory offer may vary depending on your personal circumstances.

5. Lloyds 0% Purchase and Balance Transfer Card

Balance transfer – 0% for 15 months with a 2.99% fee

Purchases – 0% for 17 months

Representative APR (variable) – 22.9% APR

Balance Transfers must be completed within the first 90 days to get the promotional offers. The duration of the introductory offer may vary depending on your personal circumstances.

6. Sainsbury’s Bank Balance Transfer Credit Card (34 Mths)

Balance transfer – 0% for 34 months with a 2.88% fee (£3 min.)

Purchases – 0% for 3 months

Representative APR (variable) – 21.9% APR

Once the 0% deal ends the balance transfer rate will be 21.95% p.a. variable with a 3% fee. The duration of the introductory offer may vary depending on your personal circumstances.

7. American Express Platinum Cashback Everyday Card

Balance transfer –

Purchases – 27.2% p.a. variable

Representative APR (variable) – 27.2% APR

Get 5% cashback up to £100 in your first 3 months of Card membership. After the first 3 months earn up to 1% depending on how much you spend. The balance transfer facility is only available on request and at the discretion of Amex.

8. Barclaycard Rewards Credit Card

Balance transfer – 25.9% p.a. variable

Purchases – 25.9% p.a. variable

Representative APR (variable) – 25.9% APR

Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after the trial ends. UK only, T&Cs apply.

9. Sainsbury’s Bank Balance Transfer Credit Card (29 Mths)

Balance transfer – 0% for 29 months with a 1% fee (£3 min.)

Purchases – 0% for 3 months

Representative APR (variable) – 21.9% APR

A Balance transfer fee of 1% or 2% applies on transfers made at application, depending on your circumstances (£3 minimum). The charge will depend on your current offer thereafter. Once the 0% deal ends the balance transfer rate will be 21.95% p.a. variable with a 3% fee. Sainsbury’s Bank may offer you a 0% interest period on balance transfers of 29 or 21 months, depending on your individual circumstances.

10. Barclaycard Avios Plus Card

Balance transfer – 25.9% p.a. variable

Purchases – 25.9% p.a. variable

Representative APR (variable) – 75% APR

If you’re new to Barclaycard, you’ll collect 25,000 Avios if you spend £3,000 in your first three months. Collect 1.5 Avios for every £1 spent on eligible purchases to put towards flights, hotels, car hire, and more. T&Cs apply. British Airways cabin upgrade voucher if you spend £10,000 in a card year.

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