Top Ten Credit Cards

Top Ten Credit CardsWhat are the top ten credit cards in the UK?

There are currently more than 110 UK 0% credit cards available online from a wide range of credit card companies. All of these credit cards offer different 0% introductory offers on balance transfers as well as on purchases.

With such a large number of credit cards available in the UK finding the top 10 credit cards can be difficult. So what are the top ten credit cards in UK?

Here at 0% Credit Card Expert we use all of our experience and knowledge of the whole UK credit card market to select the very best 0% credit cards for our top ten credit cards of 2017.

We use the all of following criteria to select the current top ten credit cards :-

  • The length of the introductory 0% offers for both balance transfers and purchases
  • The size of the balance transfer fee
  • The size of the annual fee for the credit card, if one exists
  • The application criteria that you need to meet to apply for the credit card
  • The acceptance rates of the credit cards

Top Ten Credit Cards

Taking all of the above factors into consideration, as well as our years of experience, the following popular featured credit cards are our current choice of the top ten credit cards of 2017 :-

0% Credit Card Offers

Balance Transfers:
0% interest for 40 months
Balance Transfer Fee:
2.69%
Purchases:
0% interest for 3 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Tesco Clubcard Credit Card for Balance Transfers*
  • 0% interest for up to 40 months on balance transfers from account opening
  • 2.69% balance transfer fee
  • 0% interest for 3 months on purchases from account opening
  • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
  • The 0% offer is applied to any balances or money transferred within the first 90 days of opening your account
  • Apply online and get a decision within 60 seconds
  • Annual Fee: £0
More Information

Application Criteria

Tesco Clubcard Credit Card for Balance Transfers*
  • You have an annnual income of at least £5,000
  • You are at least 18 years of age
  • You have a good credit history
  • You live in the UK, or have a British Forces Post Office address
  • You do not currently hold more than 1 Tesco Bank Credit Card
  • You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
More Information
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
The APR, length of promotional offer, and credit limit may vary as they are dependent on your personal circumstances

0% Credit Card Offers

Balance Transfers:
0% for up to 29 months
Balance Transfer Fee:
2.5%
Purchases:
0% for up to 29 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Halifax 29 Month Credit Card*
  • 0% for up to 29 months from account opening on balance transfers within the first 90 days
  • 2.5% balance transfer fee in first 90 days, 3% fee applies after 90 days
  • 0% for up to 29 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Manage your card online using Online Banking and Mobile Banking
  • Annual Fee: £0
More Information

Application Criteria

Halifax 29 Month Credit Card*
  • You are a UK resident
  • You have a regular income
  • You do not have any Count Court Judgements against you
  • You are aged 18 or over
More Information
2.5% balance transfer fee in first 90 days, 3% fee after 90 days
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

0% Credit Card Offers

Balance Transfers:
0% for up to 33 months
Balance Transfer Fee:
0.59%
Purchases:
0% for 3 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Lloyds Platinum 33 Month Credit Card*
  • 0% for up to 33 months from account opening on balance transfers
  • 0.59% fee applies (after 2.41% refund) on balance transfers made in first 90 days, 3% fee applies after first 90 days
  • 0% for 3 months from account opening on purchases
  • Lloyds Bank Clicksafe and Internet fraud protection
  • Online servicing with Internet Banking
  • Annual Fee: £0
More Information

Application Criteria

Lloyds Platinum 33 Month Credit Card*
  • You are a UK resident
  • You have had a permanent UK address for 3 years or more
  • You have a good credit rating/history
  • You are aged 18 or over
More Information
£20 cashback on the first balance transfer made within 90 days of account opening
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)
APR and Promotional periods may vary depending on your personal circumstances

0% Credit Card Offers

Balance Transfers:
0% for up to 41 months
Balance Transfer Fee:
2.59%
Purchases:
0% for 3 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Halifax 41 Month Credit Card*
  • 0% for up to 41 months from account opening on balance transfers made in first 90 days
  • 2.59% balance transfer fee in first 90 days (after 0.41% refund), 3% fee applies after 90 days
  • 0% for 3 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Manage your card online using Online Banking and Mobile Banking
  • Annual Fee: £0
More Information

Application Criteria

Halifax 41 Month Credit Card*
  • You are a UK resident
  • You have a regular income
  • You do not have any Count Court Judgements against you
  • You are aged 18 or over
More Information
2.59% balance transfer fee (after refund) in first 90 days, 3% fee applies after 90 days
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

0% Credit Card Offers

Balance Transfers:
0% for 41 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 Months
Representative APR:
20.9% APR (variable)
More Information

Credit Card Details

Virgin Money 41 Month Balance Transfer Credit Card*
  • 0% on balance transfers for 41 months from date account opened (20.9% APR thereafter)
  • 3% balance transfer fee in first 60 days, 5% fee applies after 60 days
  • 0% on purchases for 3 months from the date your account is opened
  • 0% on money transfers for 41 months from date account opened (20.9% APR thereafter)
  • 3.80% money transfer fee in first 60 days , 5% fee applies after 60 days
  • Contactless payments to quickly and securely pay for purchases up to £30
  • Annual fee for card: None
More Information

Application Criteria

Virgin Money 41 Month Balance Transfer Credit Card*
  • You are a UK resident
  • You have a bank or building society account
  • You have a good credit history
  • You are aged 18 or over
More Information
Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for up to 40 months
Balance Transfer Fee:
1.69%
Purchases:
0% for 6 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Lloyds Platinum 40 Month Credit Card*
  • 0% for up to 40 months from account opening on balance transfers
  • 1.69% balance transfer fee (after 1.31% refund) in first 90 days, 3% fee applies after 90 days
  • 0% for 6 months from account opening on purchases
  • Lloyds Bank Clicksafe and Internet fraud protection
  • Online servicing with Internet Banking
  • Annual Fee: £0
More Information

Application Criteria

Lloyds Platinum 40 Month Credit Card*
  • You are a UK resident
  • You have a regular income
  • You are free from any county court judgements
  • You are aged 18 or over
More Information
1.69% balance transfer fee (after refund) in first 90 days, 3% fee applies after 90 days
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.94% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

0% Credit Card Offers

Balance Transfers:
0% for up to 32 months
Balance Transfer Fee:
0.8%
Purchases:
0% for 12 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Bank of Scotland 32 Month Credit Card*
  • 0% for up to 32 months from account opening on balance transfers made within first 90 days
  • 0.8% fee applies on balance transfers made in first 90 days, 3% fee applies after first 90 days
  • 0% for 12 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Manage your card online using Internet Banking and Mobile Banking
  • Annual Fee: £0
More Information

Application Criteria

Bank of Scotland 32 Month Credit Card*
  • You are a UK resident
  • You have a regular income
  • You are aged 18 or over
More Information
0.8% fee applies on balance transfers made in first 90 days, 3% fee applies after first 90 days
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

0% Credit Card Offers

Balance Transfers:
0% for up to 16 months
Balance Transfer Fee:
2.89%
Purchases:
0% for up to 30 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

AA Dual Credit Card*
  • 0% for up to 16 months on balance transfers when a transfer is made in first 3 months
  • 2.89% balance transfer fee
  • 0% for up to 30 months on purchases from account opening
  • Contactless payments
  • Mobile servicing app
  • Annual Fee: £0
More Information

Application Criteria

AA Dual Credit Card*
  • You are a UK resident
  • You have a bank or building society account
  • You have no outstanding County Court Judgements
  • You have an annual income of £8,000 or more
  • You are aged 18 or over
More Information
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
AA Credit Cards are provided by Bank of Ireland UK. AA Finances Services Limited is a credit broker and not a lender

0% Credit Card Offers

Balance Transfers:
0% interest for 24 months
Balance Transfer Fee:
0%
Purchases:
No offer
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Tesco Clubcard Credit Card with No Balance Transfer Fee*
  • 0% interest for up to 24 months on balance transfers made within the first 90 days of opening your account
  • 0% balance transfer fee
  • No introductory offer on purchases
  • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
  • Apply online and get a decision within 60 seconds
  • Online account management
  • Annual Fee: £0
More Information

Application Criteria

Tesco Clubcard Credit Card with No Balance Transfer Fee*
  • You have an annnual income of at least £5,000
  • You are at least 18 years of age
  • You have a good credit history
  • You live in the UK, or have a British Forces Post Office address
  • You do not currently hold more than 1 Tesco Bank Credit Card
  • You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
More Information
No balance transfer fee
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 12 months
Balance Transfer Fee:
0%
Purchases:
0% for 12 months
Representative APR:
17.9% APR (variable)
More Information

Credit Card Details

Nationwide Credit Card*
  • 0% on balance transfers for 12 months from account opening
  • 0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
  • 0% on purchases for 12 months from account opening
  • Commission free allowance on purchases abroad (subject to terms)
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

Nationwide Credit Card*
  • You have been living in the UK for the last 12 months
  • You have a gross income each year of more than £5000
  • You have a good credit history
  • You are aged 18 or over
More Information
Representative Example: 17.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable)

Top Ten Credit Cards UK

The 0% credit card deals and offers are constantly changing in the UK as the banks and credit card companies compete for new customers. This means that our choice of the top ten credit cards in UK also changes frequently.

The credit card deals available to new UK customers, especially for those credit cards with the very longest 0% introductory offers, can often be available for only limited periods of time. As a result these cards can often drop out of the list of top ten credit card deals.

UK customers who are looking for one of the 10 ten credit cards should always plan to apply for a particular credit card, sooner rather than later. When a customer has found a 0% credit card suitable for their needs, they should always remember that there is no guarantee that the same 0% introductory deals and offers will be available on that same card next week.

Some customers will rate the length of 0% introductory offer for purchases as more important than the 0% introductory offer for balance transfers, whilst for some other customers it will be the other way around. Our top ten credit cards as listed above, is a mixture of the top ten credit cards for purchases and the top ten credit cards for balance transfers.

Overall, more UK credit cards as issued using the MasterCard payment network than are issued using the Visa payment network. As a result, our top ten credit card deals listed above contain more MasterCard credit cards than Visa credit cards. The choice of payment network makes very little difference to a credit card customer. Both Visa and MasterCard credit cards are accepted at millions of locations worldwide.

If you would like to see more top UK credit cards than are included here, then our 0% credit cards page has the full range of over 110 UK 0% credit cards to choose from.