Top Ten Credit Cards

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

There are currently more than 90 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% for 30 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 30 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Post Office Money Matched Credit Card*
  • 0% for 30 months on balance transfers made within 3 months of account opening
  • 2.75% balance transfer fee
  • 0% on purchases for first 30 months
  • No cash fee when you purchase Post Office Travel Money
  • Manage your account 24/7 with Post Office Money mobile app
  • Annual Fee: £0
More Information

Application Criteria

Post Office Money Matched Credit Card*
  • You are a UK resident
  • You have a bank or building society account
  • You have an annual income of £8,000 or more excluding unemployment benefits
  • You are aged 18 or over
  • You have no county court judgements
  • You must not already hold a Post Office Money Credit Card
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)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

0% Credit Card Offers

Balance Transfers:
0% interest for up to 22 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 22 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 32 months
Balance Transfer Fee:
0.99%
Purchases:
0% for 6 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

M&S Transfer Plus Credit Card*
  • 0% for 32 months on balance transfers made within 90 days of account opening
  • 0.99% balance transfer fee, minimum £5
  • 0% on purchases for 6 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • Preferential rates when you use your card to order M&S Travel Money
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

M&S Transfer Plus Credit Card*
  • You are a UK resident
  • You have a UK bank or building society account
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within previous 12 months
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)

0% Credit Card Offers

Balance Transfers:
0% for 32 months
Balance Transfer Fee:
1.4%
Purchases:
0% for 3 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

HSBC Credit Card*
  • 0% interest for 32 months on balance transfers made within 60 days of account opening
  • 1.4% balance transfer fee (minimum £5)
  • 0% on purchases for 3 months from account opening
  • At the end of 0% offer period, balance transfers and purchases will revert to standard variable rate
  • home&Away rewards programme giving you instant discounts from well-known brands
  • Online account management
  • Annual Fee: £0
More Information

Application Criteria

HSBC Credit Card*
  • You have an annual income or pension before tax of £8,500 or more
  • You are a UK resident, including Isle of Man and Channel Islands
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
£25 cashback when you apply for this card by 22nd Dec 2017 and use it to make a payment via Apple Pay within 30 days of opening the card account, terms and conditions apply
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)
Credit is subject to status

0% Credit Card Offers

Balance Transfers:
0% for up to 37 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Post Office Money Balance Transfer Credit Card*
  • 0% for up to 37 months on balance transfers made within 3 months of account opening
  • 1.99% balance transfer fee applies
  • 0% on all purchases for the first three months
  • No cash fee to buy travel money at the Post Office
  • Manage your account 24/7 with Post Office Money mobile app
  • Annual Fee: £0
More Information

Application Criteria

Post Office Money Balance Transfer Credit Card*
  • You are a UK resident
  • You have a bank or building society account
  • You have an annual income of £8,000 or more excluding unemployment benefits
  • You are aged 18 or over
  • You have no county court judgements
  • You must not already hold a Post Office Money Credit Card
More Information
A 1.99% fee applies and balance transfers must be made within 3 months of account opening
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

0% Credit Card Offers

Balance Transfers:
0% for 25 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 25 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

M&S Shopping Plus Credit Card*
  • 0% for 25 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 25 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • Preferential rates when you use your card to order M&S Travel Money
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

M&S Shopping Plus Credit Card*
  • You are a UK resident
  • You have a UK bank or building society account
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within previous 12 months
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)

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 just for Nationwide members*
  • 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 just for Nationwide members*
  • Our credit cards are just for members. You’re a member when you have a current account, mortgage or savings account with us
  • 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)

0% Credit Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.89%
Purchases:
0% for 28 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Post Office Money Platinum Credit Card*
  • 0% interest for 18 months on balance transfers made within 3 months of account opening
  • 2.89% balance transfer fee
  • 0% interest on purchases for first 28 months
  • No fees on overseas purchases
  • No cash fee when you purchase Post Office Travel Money
  • Manage your account 24/7 with Post Office Money mobile app
  • Annual Fee: £0
More Information

Application Criteria

Post Office Money Platinum Credit Card*
  • You are a UK resident
  • You have a bank or building society account
  • You have an annual income of £8,000 or more excluding unemployment benefits
  • You are aged 18 or over
  • You have no county court judgements
  • You must not already hold a Post Office Money Credit Card
More Information
No fees on overseas purchases
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)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

0% Credit Card Offers

Balance Transfers:
0% for 12 months
Balance Transfer Fee:
0%
Purchases:
0% for 12 months
Representative APR:
15.9% APR (variable)
More Information

Credit Card Details

Nationwide Select Credit Card just for Nationwide members*
  • 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
  • 0.5% unlimited cashback on all purchases in pounds sterling
  • Unlimited commission free purchases abroad
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

Nationwide Select Credit Card just for Nationwide members*
  • Our credit cards are just for members. You’re a member when you have a current account, mortgage or savings account with us
  • Our credit card exclusively for members with a main current account
  • 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
Our credit card exclusively for members with a main current account
Representative Example: 15.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% 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. Many of the longest introductory balance transfer offers have been reduced over recent months for example. 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 90 UK 0% credit cards to choose from.