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New Credit Cards

New Credit Cards UK

Every day in the UK, hundreds of customers apply for new credit cards. The UK card market also changes frequently with new credit cards and their 0% deals and offers constantly changing.

There are a number of different UK credit card providers offering a wide range of credit cards. Some card companies focus on reward and cashback credit cards, whilst others offer 0% introductory deals to attract new customers.

The number of new UK credit cards available have fallen over recent years, due in part to card company mergers, and also as a result of the banking crisis back in 2008. This led to a number of credit card companies withdrawing from the UK credit card market.

New Credit Cards UK

Most new credit cards in the UK are now applied for online. In the past a new credit card application would have largely been done by post, or in person in a bank on the high street.

Customers looking for a new credit card are now much more likely to start their search for a new card online. As a result, the UK card providers, have adapted their systems to accept online applications. This has also had the additional benefit that applications are now processed faster. As a result, many cards in the UK are now instant credit cards and customers can get an online decision.

There are currently around 60 UK credit cards available online with 0% introductory offers. There are also a dozen or more reward and cashback credit cards available. So how does a customer choose a new credit card?

New Credit Card

The best way to choose a new credit card is to decide what your main use for the credit card will be.

Card purchases – Are you planning on making a number of purchases, or one large purchase using your new card? If so and you want to benefit from a 0% introductory rate, then look at 0% purchase credit cards.

Balance transfer – Do you have an outstanding balance on an existing credit card that you are paying interest on? Then a balance transfer to a new credit card, with a 0% introductory offer on transfers, can save you money.

Rewards points – If you want to collect points on your everyday credit card spend, then a card offering points, such as the Marks and Spencer credit card, can earn you additional rewards.

The following featured cards are some of the popular new credit cards currently available:-


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0% Credit Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Transfer Plus*
  • 0% for 29 months on balance transfers made within 90 days of account opening
  • 2.75% 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 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

HSBC Balance Transfer*
  • 0% interest for 29 months on balance transfers made within first 60 days of account opening
  • 2.75% 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
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 22 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 22 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Shopping Plus*
  • 0% for 22 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 22 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)

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 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 months
Representative APR:
22.9% APR (variable)

Credit Card Details

HSBC Purchase Plus*
  • 0% interest for 18 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 18 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
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

New Credit Card Offers

The new credit card offers in the UK card market change frequently. The credit card companies change their 0% introductory offers on a regular basis. The banks and card companies use their 0% deals and offers to attract new credit card customers.

Credit card deals for existing customers may also be available. However in general these are not as competitive as the deals available on new credit cards.

A couple of years ago, 0% introductory offers on balance transfers were as long as 0% for up to 43 months. However, now the balance transfer offers are shorter, with the longest 0% deal, at the time of writing, being 0% for 29 months.

The 0% introductory deals on purchases are in general, not as long as the 0% deals available on balance transfers.

New credit card offers are available on cards which use both the Mastercard and the Visa payment networks. Credit cards using Mastercard or Visa are widely accepted at millions of locations around the world.


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Published: September 16, 2021, Updated: October 13, 2021 by 0% Credit Card Expert

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