Based on 40272 reviews
A product by Zopa
Zopa is an award-winning credit card provider. You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the...
Based on 50806 reviews
A product by PayPal
PayPal Credit is a virtual credit card. PayPal Credit can be added to your PayPal wallet and is accepted at thousands of online stores. Your purchases are protected by PayPal’s 24/7...
Based on 2284 reviews
A product by NewDay
Bip offer a cardless, digital credit facility. You can apply for Bip credit without impacting your credit rating. If you’re approved, you can set up Bip in Apple Pay or Google...
Based on 4388 reviews
A product by Zempler Bank (formerly Cashplus)
A Zempler credit card is available if you have a personal income of over £15,000 or more. There’s no annual or monthly fee, flexible repayment options and a credit limit review...
At Smart Money People we want to make it easy to compare your financial product options with our approach to rankings.
We use a combination of data from the reviews we receive to calculate our rankings. This includes the 1-5 star ratings given by reviewers, when the reviews were left on our site and other insightful data from the reviews.
It’s important to us that all our rankings are fair and consistent in the way they’re calculated. That’s why every financial product featured on our site is ranked in the same way using our own unique algorithm.
Based on 198 reviews
A product by Nationwide
Nationwide’s purchase and balance transfer credit card offers 0% interest on all purchases and balance transfers for 15 months. The 0% interest also applies to spending abroad. You can apply if...
Based on 60 reviews
A product by Lloyds Bank
Lloyds Bank Everyday credit cards are designed for day-to-day spending. You can add up to three additional cardholders, and use the card freeze option in the app to control when and...
Based on 799 reviews
A product by Virgin Money
Virgin Money offers a range of credit cards with various features to suit different needs. Options include cards with 0% interest on balance transfers and purchases for an introductory period,...
Based on 314 reviews
A product by Barclaycard
Barclaycard Platinum credit cards are designed for purchases and balance transfers. You can get 0% on spending and balance transfers across a range of terms. Depending on the Barclaycard Platinum credit...
Based on 117 reviews
A product by HSBC
With the HSBC Purchase Plus credit card, you can get a period of interest free purchases and balance transfers. There's no annual fee for the Purchase Plus credit card. You can...
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Frequently asked questions
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How do credit cards work?
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Credit cards give you access to a revolving line of credit. You can borrow money for purchases up to a set credit limit. Anything you spend is subtracted from your credit limit and added to the balance you owe. Each month, you'll receive a statement showing how much you owe in total, the required payment and the date it's due by. There's usually an interest-free period but if you don't clear the balance by that date, you'll then start to accrue interest.
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What is APR on a credit card?
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APR (Annual Percentage Rate) is the estimated total cost of borrowing money on a credit card over a year, including interest and other fees. You'll often see a representative APR advertised when comparing credit cards. The APR is a set of agreed rules that all credit card providers follow when calculating interest rates. You can use the APR to compare interest rates charged by different providers in a standardised way.
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Can you withdraw cash from a credit card?
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You can withdraw cash using a credit card at a cash machine, but it's best to only do this in an emergency situation as it can be more expensive than purchase costs. If you do withdraw money using your credit card, there may be a limit on how much you can take out. You could also be charged a transaction fee and be charged more interest. The rules vary across providers so check the details before making a withdrawal.
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