Best Credit Cards of 2020

We’ve compared the top cards on the UK credit card market, and reckon these are some of the best deals around today. The list below includes what we believe are the best credit card deals across categories – for 0% purchases, balance transfer, travel, cashback, rewards and more.

Great for: Lowering your APR while building credit

Aqua Advance Credit Card.

The Aqua Advance Credit Card includes many of the features that make other Aqua cards great for those looking to build or re-build credit. As an added bonus though, users of the Advance Card that stay on time with their payments will see their APR go down by 5% per year. Over time, this could bring the APR down to 19.9%.

Great for: No foreign transaction fees plus 0% interest offers

Virgin Money Travel Credit Card.

This card charges no fees for overseas use, so making spending abroad more affordable, plus it offers 12-month interest-free introductory periods for purchases and balance transfers, so that you can pay for your holiday in the first place. Add to that travel discounts for Virgin Holidays and the offer of cashback on travel insurance, and you have a good all-round travel package.

Great for: Long 0% interest on purchases and rewards

Sainsbury’s Dual Offer Credit Card.

The Sainsbury’s Dual Offer Credit Card aims to give you the best of both worlds. Cardholders get a long 26-month period with 0% interest on both purchases and balance transfers. Balance transfers are subject to a 3% fee, so those looking primarily for a balance-transfer offer may prefer to find a card without that fee. As with other Sainsbury’s cards, cardholders collect Nectar points on spending at Sainsbury’s and elsewhere. Over the first two months, shopping at Sainsbury’s could net users up to 7,500 bonus points, which is worth £37.50.

Great for: Long 0% balance transfer period

Tesco Balance Transfer Credit Card

Tesco’s Balance Transfer Card gives successful applicants 26 months of 0% interest on balance transfers. That’s very near the longest on the market. There is a balance-transfer fee to be paid (2.98%), but that’s typical of 0% offers of this length. The card also offers 12 months 0% on money transfers (3.94% fee) and Tesco Clubcard points, making it a very well-rounded offer.

Great for: Rewards, balance transfers and 0% purchases

John Lewis Partnership Credit Card

The John Lewis Partnership Credit Card is an appealing rewards card for consumers who shop regularly at John Lewis or Waitrose. Cardholders get 1 point for every £1 in spend at John Lewis and Waitrose and 1 point for every £2 spent elsewhere. It also has a balance transfer offer (18 months), a 0% introductory interest rate on new purchases (9 months), and you get all of this without having to dole out an annual fee.