Based on 950 reviews
A product by Yonder
Yonder’s credit card is available on a free plan or a paid plan for additional benefits. You’ll earn points on your spending which can be used for dining, shopping and travel...
Based on 376 reviews
A product by Chase Bank
If you’re a Chase current account holder, you can apply for a Chase credit card. You can use the Chase credit card abroad and won’t be charged foreign exchange fees. The...
Based on 43506 reviews
A product by Zopa
What is this award?
The Best credit card provider 2025 award is part of the British bank awards. Measured by consumer feedback that recognise businesses that are doing brilliant things for financial services customers.
This company has won:
- Best credit card provider 2025
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 51 reviews
A product by PayPal
PayPal Credit Card allows eligible UK customers to use their PayPal Credit account wherever Mastercard is accepted, both online and in store. There’s no annual fee, and eligibility checks don’t...
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 5800 reviews
A product by Zempler Bank
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...
Based on 3217 reviews
A product by 118 118 Money
118 118 Money’s credit cards are designed to help you build and improve your credit score. If accepted, you’ll be offered a guaranteed personalised credit limit and there are no hidden...
Based on 1191 reviews
A product by Jaja Finance
You can apply for a Jaja Vanta credit card in three steps online. Manage your Jaja Vanta credit card account on the go using the app and keep track of how...
Based on 126 reviews
A product by American Express
American Express Credit Card reviews can help you to find out about the pros and cons of the Credit Card credit card. What kind of features do American Express customers...
Based on 21 reviews
A product by Santander
Santander launched the Zero credit card in October 2016 after they removed the 123 credit card from sale. If you're looking for a credit card to use abroad, check out...
Based on 285 reviews
A product by Capital One
Capital One Classic Credit Card reviews can help you to find out about the pros and cons of the Classic Credit Card credit card. What kind of features do Capital...
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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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