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Credit Card Companies

Credit Card Companies UK

Who are the main credit card companies and credit card providers in the UK? Is there a list of British credit card companies?

We see the above questions, regularly, as UK card customers look for details about the banks, and credit card providers operating in the UK.

Back in 2012, there were over 140 UK credit cards available with 0% introductory offers. Today, there are just over 60 UK credit cards available online with 0 percent credit card offers.

Credit Card Companies UK

As can be seen above the number of 0% credit cards, available to UK customers, has dropped substantially. However, the number of UK credit card companies has not dropped by nearly as much. Many of the UK credit card providers have simply reduced the number of credit cards, that they now offer to new customers.

Some UK card companies have also been taken over by their competitors. This includes Barclaycard buying Egg and Goldfish, as well as the recent Lloyds takeover of MBNA, for example.

Some other card providers have withdrawn from the UK card market over the past years, including Morgan Stanley, Citibank, and Bank of Ireland, for example.

Credit Card Providers UK

Below is a list of British credit card companies. These are the banks and other financial firms in the UK, that are currently active and issuing cards to new customers. Most of these providers do not require a card customer to be an existing customer. A small number of banks do however, provide their credit card offers for existing customers only.

Many of these UK banks and card companies can now offer an instant credit card. This is where the customer gets an online approval decision at the end of the card application process.

  • American Express
  • Barclaycard
  • Capital One
  • Creation
  • The Co-operative Bank
  • Danske Bank
  • Bank of Scotland
  • HSBC Bank
  • Jaja
  • Lloyds Bank
  • MBNA
  • Nationwide
  • NatWest
  • New Day
  • Sainsbury’s Bank
  • Santander
  • Tesco Bank
  • TSB
  • Vanquis Bank
  • Virgin Money

Some popular 0% credit card offers available from a selection of these UK credit card providers can be seen below.


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0% Credit Card Offers

Balance Transfers:
0% for 31 months
Balance Transfer Fee:
2.7%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

HSBC Balance Transfer*
  • 0% interest for 31 months on balance transfers made within first 60 days of account opening
  • 2.7% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
£25 cash back when you successfully apply. Spend or balance transfer over £100 within 60 days of opening account. New customers only. Offer ends 13th Feb 2022.
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for 31 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Transfer Plus*
  • 0% for 31 months on balance transfers made within 90 days of account opening
  • 1.99% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 22 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 22 months
Representative APR:
22.9% APR (variable)

Credit Card Details

HSBC Purchase Plus*
  • 0% interest for 22 months on balance transfers made within first 60 days of account opening
  • 2.9% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 22 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Purchase Plus*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
£25 cash back when you successfully apply. Spend or balance transfer over £100 within 60 days of opening account. New customers only. Offer ends 13th Feb 2022.
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for up to 15 months
Balance Transfer Fee:
1.45%
Purchases:
0% for up to 15 months
Representative APR:
21.9% APR (variable)

Credit Card Details

TSB Platinum Purchase Credit Card
  • 0% interest for up to the first 15 months on balances transferred within first 90 days
  • 1.45% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • 0% interest on purchases for up to the first 15 months
  • Internet fraud protection and Clicksafe
  • Online card servicing
  • Annual Fee: None

Application Criteria

TSB Platinum Purchase Credit Card
  • You are an existing TSB customer
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a good credit rating and regular income
  • You are a UK resident
  • You are aged 18 or over
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.95% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 23 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 23 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Shopping Plus*
  • 0% for 23 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 23 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Shopping Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

British Credit Card Companies

Some of these UK credit card providers issue cards under multiple brand names. HSBC Bank are one example. They have their own HSBC credit card offers, but they also issue the M and S credit card and the John Lewis Partnership credit card.

In cases where a credit card company does issue cards under multiple brand names, then there are two issues for customers to watch out for. Firstly, a customer will usually only be able to hold one credit card from the card company at any one time. Secondly, balance transfers are not permitted between cards issued by the same UK credit card company.

Even if a card provider allows a customer to have more than one credit card, then these are unlikely to be credit cards with high limits. The card company is more likely to reduce their overall exposure, with smaller credit limits on each individual card.

The credit card companies in the UK, issue their credit cards using both the Visa and Mastercard payment networks. Both Visa and Mastercard credit cards are widely accepted in the UK, and around the world.

American Express is the only provider to issue cards in the UK using the AMEX payment network. In previous years, some companies, including Lloyds and MBNA had issued dual cards. These cards provided the customer with both a Mastercard and an American Express card. However these dual cards are now no longer available to new customers from any of the current British credit card companies.


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Published: January 7, 2022, Updated: January 7, 2022 by 0% Credit Card Expert

All 0% credit card deals and offers on this website are updated daily