Looking for the best Credit Cards in United Kingdom? We have compared 15 Credit Cards from top banks in United Kingdom to help you find the right one for your needs.
This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.
Top 15 Credit Cards in United Kingdom (2026)
1. Forward Barclaycard
Bank: Barclays Bank
- Interest Rate: 2.83% per month
- Salary/Eligibility: Not Required
- Interest Free Days: 90
If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history,
2. Mastercard Barclay
Bank: Barclays Bank
- Interest Rate: 1.83% per month
- Salary/Eligibility: Not Required
- Benefits: Lounge Access, Hotel Discounts & Offers, Interest Free Days
If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history,
3. Rewards Barclays
Bank: Barclays Bank
- Interest Rate: 1.83% per month
- Salary/Eligibility: Not Required
- Benefits: Hotel Discounts & Offers, Interest Free Days
If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history,
4. Visa Platinum Barclaycard
Bank: Barclays Bank
- Interest Rate: 1.83% per month
- Salary/Eligibility: Not Required
- Interest Free Days: 660
- Benefits: Travel Benefits
If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history,
5. World Elite Barclaycard
Bank: Barclays Bank
- Interest Rate: 1.83% per month
- Salary/Eligibility: Not Required
- Rewards: If you’re new to Barclaycard, you'll collect 25,000 Avios if you spend £3,000 in your first three months.
- Benefits: Lounge Access, Global Acceptance, Interest Free Days
If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history,
6. Balance Transfer Credit Card
Bank: HSBC
- Interest Rate: 1.83% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Interest Free Days, Internet Banking
Give yourself some breathing room with our longest balance transfer offer (fees apply). Transfer your other credit card balances so that you make just one monthly payment for everything. Representativ
7. Classic Credit Card
Bank: HSBC
- Interest Rate: 1.83% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Purchase Protection, Interest Free Days
If you're looking to build or improve your credit rating, this credit card could be the one for you. Representative 29.9% APR (variable). Credit is subject to status, affordability and terms and cond
8. Global Private Banking Card
Bank: HSBC
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: Private banking rewards and concierge
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
HSBC Global Private Banking Credit Card__ The contemporary design and metal finish is just the beginning. With the Global Private Banking Credit Card you earn Air Miles on all your spends and redeem t
9. Gold Mastercard
Bank: HSBC
- Interest Rate: 1.42% per month
- Salary/Eligibility: Not Required
- Benefits: Chip/Pin, Supplementary Cards
HSBC France Gold Mastercard features no annual fee and no foreign transaction fees, 18-month 0% intro APR on purchases and balance transfers, travel accident and rental car insurance, Mastercard Price
10. HSBC Advance Credit Card
Bank: HSBC
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Cashback: Get AED 500 cashback when you apply for an Advance Credit Card today
- Rewards: Advance Air Miles and dining rewards
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Entertainment Benefits
The HSBC Advance Credit Card comes with Air Miles rewards, complimentary HSBC ENTERTAINER app, a wide range of travel and lifestyle benefits, including hotel discounts, complimentary airport lounges a
11. HSBC Advance Credit Card
Bank: HSBC
- Cashback: Spend on your HSBC Advance Credit Card and get up to 2.5% Base Cashback on your local and overseas purchases
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Entertainment Benefits, Hotel Discounts & Offers, Lifestyle Privileges
Life's more rewarding with a cashback credit card, and HSBC Advance Credit Card is one of the very best in town.
12. HSBC Black Credit Card
Bank: HSBC
- Annual Fee: Annual fee: AED 1,575 including VAT
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Cashback: Get AED 500 cashback when you apply for Black Credit Card today
- Rewards: Premium Air Miles rewards
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
The HSBC Black Credit Card comes in a contemporary design rendered in metal3 and is fully loaded with great travel & lifestyle benefits. From travel to culinary experiences, lifestyle and shopping the
13. HSBC Black Credit Card
Bank: HSBC
- Interest Rate: 2.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
HSBC top-tier card for Premier clients with unlimited lounge access and comprehensive global concierge.
14. HSBC Cash+ Credit Card
Bank: HSBC
- Annual Fee: No annual fee
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Cashback: Get 1% daily cashback on all eligible purchases, with no minimum spend or caps
- Rewards: Up to 5% cashback on top spend category
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
An HSBC credit card that lets you earn reward points on everyday purchases, redeemable via the Mastercard Pay with Rewards app at millions of locations worldwide. Contactless-enabled with Apple Pay an
15. HSBC Cashback Credit Card
Bank: HSBC
- Annual Fee: No annual fee for the first year
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Cashback: Up to 5% cashback and automatic credit of cashback every month
- Rewards: Up to 5% cashback on everyday spends
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Entertainment Benefits
Enjoy benefits such as: up to 5% cashback on everyday spends, automatic credit of cashback every month and 0% for up to 24 months Balance Transfer.
How to Choose a Credit Card in United Kingdom
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Regulation — all products listed are from banks regulated by FCA
Frequently Asked Questions
What is the best Credit Card in United Kingdom for 2026?
The best option depends on your needs and spending. Compare all 15 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.
What are the eligibility requirements?
Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.
Can I apply online?
Many banks in United Kingdom now offer online applications. Click View Full Details on any product to check application options.
Are there any hidden fees?
Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.
What payment methods are popular in United Kingdom?
Besides cards, popular payment methods include Contactless, Open Banking.
Compare all Credit Cards in United Kingdom →
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How We Compare Best Credit Cards in United Kingdom 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in United Kingdom. Data is sourced from official bank websites and verified against regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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