Best Credit Cards in United Kingdom — Compare 28 Cards
Every credit card we can verify as issued in United Kingdom — 28 cards from 6 banks — with the minimum salary, annual fee, interest rate and salary-transfer rule each bank publishes. Filter them below, or use the guided finder.
Best credit cards in United Kingdom — our picks
One card per job, chosen by a stated rule, with the number that wins it. No bank holds two slots while another qualifies.
No annual fee, and at 21.96% a year it is among the cheaper cards to carry a balance on.
Chosen by: Zero or permanently waived annual fee, then the lowest published interest rate. Picked from 15 qualifying cards.
Go to barclays.co.uk Barclays Bank's site — this card is not linked directly
You do not have to move your salary to this bank.
Chosen by: Bank does not require your salary to be transferred to it, then the lowest minimum salary. Picked from 28 qualifying cards.
Card details On Buzdy — no verified issuer link on file yet
Airport lounge access with no annual fee at all.
Chosen by: Publishes airport lounge access, then the lowest annual fee. Picked from 9 qualifying cards.
Go to hsbc.co.uk HSBC's site — this card is not linked directly
At 18.96% a year this is the cheapest published rate we hold for this market — it only matters if you revolve a balance.
Chosen by: Lowest published monthly interest / profit rate in this market. Picked from 28 qualifying cards.
Go to co-operativebank.co.uk The Co-operative Bank's site — this card is not linked directly
Headline cashback of up to 1% — check which categories it applies to before you assume it covers everything.
Chosen by: Highest published headline cashback rate. Picked from 5 qualifying cards.
Go to rbs.co.uk Royal Bank of Scotland's site — this card is not linked directly
Accepts a monthly salary from GBP 567 — the lowest published requirement in our data for this market.
Chosen by: Lowest published minimum monthly salary. Picked from 13 qualifying cards.
Go to hsbc.co.uk HSBC's site — this card is not linked directlyCompare all 28 United Kingdom credit cards
Figures are as each bank publishes them. 13 of 28 cards state a minimum monthly salary, 19 state an annual fee, 28 state an interest or profit rate and 28 state whether a salary transfer is required. A dash means the bank does not publish that figure — not that it is zero.
Default ranking: cards are ordered by how much of the decision they let you make — how many of the four numbers (minimum salary, annual fee, rate, salary transfer) the bank publishes, then how many benefits are documented, then user rating. It is not a paid placement and it is not alphabetical. Use the sort links in the table header to rank by fee, rate or salary instead.
Showing 28 of 28 cards.
Every figure comes from the issuing bank's own published terms, stored per card. Country attribution uses the product's own market, not the bank's branch footprint, so a multinational's Hong Kong catalogue never appears here. Interest and profit rates are annualised figures as published; a few banks quote a monthly rate instead, so confirm the basis with the issuer before you compare two cards on rate alone. Verify the current terms with the bank before you apply.
Prefer to be asked?
Four questions — salary, spending, and what matters most — and we shortlist five of the 28 cards above for you.
Where are you located?
We'll show cards available in your country
More about credit cards in United Kingdom
The 28 cards compared above are every credit card we can attribute to United Kingdom itself, from 6 issuing banks — a card is counted here only when the product's own market and the issuing bank agree, so a multinational's catalogue from another country is never folded in. Figures are in GBP as published by each bank.
Looking for a credit card, a loan or a savings account in the United Kingdom?
Compare what banks in the United Kingdom actually offer — rates, fees and eligibility, updated for 2026.
Banks we track in United Kingdom
Keep going in United Kingdom
Guides for United Kingdom
United Kingdom — frequently asked questions
Which credit cards have no annual fee in United Kingdom?
HSBC Cash+ Credit Card (HSBC), HSBC Max Rewards Credit Card (HSBC), HSBC Cashback Credit Card (HSBC), HSBC Zero Credit Card (HSBC) are among the 25 cards in our United Kingdom data with a zero or waived annual fee.
What is the best cashback credit card in United Kingdom?
We track 15 cashback cards in United Kingdom. HSBC Cash+ Credit Card from HSBC publishes: Get 1% daily cashback on all eligible purchases, with no minimum spend or caps. The right one depends on where you actually spend — the finder above ranks them for your profile.
What salary do I need for a credit card in United Kingdom?
Published minimum income requirements in our United Kingdom data include Minimum salary AED 8,000; Minimum salary AED 5,000; Minimum salary AED 15,000. Enter your salary above and the finder only shows cards you meet the stated requirement for.
How does the card finder pick a card?
It scores every card we hold for United Kingdom against your salary, your biggest spending category and whether you want cashback, miles, no fee or a Shariah-compliant card, then shows the top five with the reasons for each.