Shopping: Harrods rewards on purchases such as homewares and leisure items.

Gas: Pay cheaper prices on fuel charges with these options for residents of London and the UK.

Popular Credit Cards in the UK include Accucard, Barclay Card, Marbles, and sub-prime Capital One Classic for adverse credit.

UK Credit Cards: Reward Offers, Low Interest

Barclaycard Platinum Credit Card

  • 0% interest on purchases for 10 months from account opening
  • 5.9% pa on balance transfers for the life of the balance with no handling fee
  • No Annual fees
  • Safer Shopping


Must be 21, UK Address for 3 months or more

UK Credit Cards: A Look at the Top Four

UK credit cards are no different from those in any other country – there are plenty from which to choose. When shopping around for a UK credit card, make sure that you thoroughly explore all of your options before settling on a specific card. Factors helping to make your decision should be interest rate, balance transfer rates, annual fees and reward programs.

No matter what you are looking for, you’ll be able to find a UK credit card to suit your needs. For now, here is a look at the top four UK credit cards.

UK Credit Card #1: Virgin Credit Card

Virgin has long been a name of quality and customer service, as an empire of entertainment and transportation services, and has now been branded in the credit card industry as Virgin Money. The Virgin credit card is one of the most popular UK credit cards for several reasons.

Your first three months as a Virgin credit card holder will be spent with a 0% introductory APR as well as 0% interest on balance transfers for twelve months. The Virgin credit card comes with up to £100,000 of travel accident insurance, no annual fee and a standard APR of 15.9%.

Virgin credit card holders also receive a 10% discount at the Virgin Megastore when they use their card, which can mean huge savings for music, video and electronics aficionados.

The Virgin credit card is perfect for consumers who would like to consolidate their credit card debt onto one card or who would enjoy benefits with other Virgin products. You can learn more about the Virgin credit card by visiting

UK Credit Card #2: Egg Card

The Egg credit card is one of the most popular credit cards for those who like to manage their finances online and who enjoy 0% introductory offers.

The 0% introductory APR (on both purchases and balance transfers) with the Egg credit card lasts nine months, and there is also a 0% anniversary APR every year until 2008. The Egg credit card boasts frequent fraud monitoring, Internet shopping protection and discounts on purchases with selected retailers.

The standard variable APR for the Egg card is a low 15.9%, and the card comes with £50,000 in travel accident insurance as well as free purchase protection for thirty days.

You can find out more about the Egg card by visiting and filling out their easy online application, which is equipped with instant approval for faster response.

UK Credit Card #3: Marbles Credit Card

Another highly recommended UK credit card is the Marbles card, which is provided by HFC, one of the leading credit card companies in the UK. With four unique card designs from which to choose and a fantastic 0% introductory APR on purchases and balance transfers for nine months, this is one of the most popular cards on the market today.

The Marbles card comes with full online account management, 24-hour customer service, Internet delivery insurance and a host of other benefits. The reviews for the Marbles card include praise for their customer service, which isn’t always the case with credit card companies.

You can find out more about the Marbles card by visiting

Marbles Credit Card
  • Enjoy 0% per annum on Balance Transfers for 9 months, fixed from account opening *
  • Typical 14.9% APR variable
  • Internet delivery insurance
  • Safe shopping promise
  • A card decision in 60 seconds when you apply online
  • Manage your account online 24 hours a day
  • NOTE: Must have household income of more than £5,500 a year.

(UK Residents Only)

UK Credit Card #4: Cahoot Card

And last – but certainly not least – on our list of top four UK credit cards is the Cahoot card, provided by Abbey National. The Cahoot card has many benefits, and although the 0% introductory APR lasts only for 46 days, the other perks make up the difference.

Customers of the Cahoot card receive free purchase protection, a web card that provides safer shopping online, safety CHIP and PIN, payment protection and free online banking. The low variable 11.8% is also an attractive feature.

You can learn more about the Cahoot card by visiting and filling out their online application, which will guarantee a decision within 60 seconds.

UK Credit Card for Bad Credit

The Capital One Classic Card is perfect for establishing or strengthening your credit with an APR of 34.9%. When you apply for this card online you get a response in one minute. Capital One guarantees a fast response. Expect a credit limit of £200 – £2,500. Learn more about the Capital One Classic Card (UK residents only).

If you live in the US, but wish to get UK Rewards:

Do you reside in Canada or Australia?