Based on 540 reviews
A product by Yonder
Yonder's credit card allows you to gain rewards for dining out in London. If you have used this card, please leave a review below.
Based on 41965 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 50809 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...
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 5033 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 204 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 19 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 52 reviews
A product by Lloyds Bank
Lloyds Bank Platinum Credit Card reviews can help you to find out about the pros and cons of the Platinum Credit Card credit card. What kind of features do Lloyds...
Based on 62 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...
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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.
News, guides and insights from our team
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Meet our Consumer credit awards 2025 finalists!
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Your handy credit card jargon buster
22nd October 2025 by Smart Money People TeamWe are helping 1000s to make smarter financial decisions
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