Refpo Credit Cards

Best Credit Cards in United Kingdom

Browse country-specific cards and compare fees, rewards, and benefits.

American Express

Amex® Platinum Cashback Credit Card

A paid UK cashback credit card from American Express offering higher ongoing cashback than the Platinum Cashback Everyday card. It is best for users who spend enough every year to justify the £25 annual fee.

0.75% cashback up to £10,000 yearly spend
1.25% cashback above £10,000 yearly spend
£25 annual fee

Joining fees

£0

Renewal fees

£25 per year

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Lloyds Bank

Lloyds Ultra Credit Card

A no-account-fee UK cashback and travel credit card from Lloyds Bank. It gives 1% cashback on all card purchases in the first year, then 0.25% cashback, with no foreign exchange fees from Lloyds on spending abroad. Lloyds also says there are no Lloyds cash withdrawal fees at home or abroad, though local or third-party ATM charges may apply.

No account fee
1% cashback in the first year
0.25% cashback after the first year

Joining fees

£0

Renewal fees

£0 account fee. Lloyds describes the Ultra card as having no account fees.

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Santander UK

Santander Edge credit card

A Santander UK cashback credit card offering 1% cashback on purchases, capped monthly, with no foreign exchange fees when spending abroad in the local currency. It has a monthly fee, so it is best for people who spend enough to offset the fee.

1% cashback on purchases
Cashback capped at £10 per month
£4 monthly account fee

Joining fees

£0

Renewal fees

£4 per month

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Barclays / Barclaycard

Amazon Barclaycard Credit Card

A no-annual-fee UK rewards credit card from Barclaycard and Amazon. It gives Amazon Rewards on Amazon purchases and everyday spending, with rewards redeemable as Amazon.co.uk gift cards.

No annual fee
1% back on Amazon purchases
0.5% back on non-Amazon purchases for first 12 months

Joining fees

£0

Renewal fees

£0. Amazon and Barclays state that the Amazon Barclaycard has no annual fee.

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Tesco Bank

Tesco Bank Clubcard Credit Card

A Tesco Bank credit card that lets users collect Clubcard points when they spend. It is especially useful for Tesco shopping and Tesco fuel because it gives extra Clubcard points compared with using a normal non-Tesco credit card.

Collect Clubcard points on Tesco spending
Extra Clubcard points on Tesco Fuel
Clubcard points on non-Tesco spending

Joining fees

£0

Renewal fees

Depends on the exact Tesco Bank Clubcard credit card product selected, but Tesco’s main Clubcard credit card rewards page focuses on earning Clubcard points rather than annual fees.

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Capital on Tap

Capital on Tap Business Credit Card

A UK business credit card for small businesses offering uncapped 1% cashback on all card spending, no joining fee, no annual fee, free employee cards, virtual cards, and no foreign transaction fees. Capital on Tap says businesses can get credit limits up to £250,000, subject to approval.

No joining fee
No annual fee
Uncapped 1% cashback

Joining fees

£0

Renewal fees

£0 for the standard/free Capital on Tap Business Credit Card. Capital on Tap says the free 1% cashback card has no annual fee; the optional Pro plan costs £299 per year.

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Barclaycard / Barclays

Barclaycard Rewards Credit Card

A no-annual-fee UK rewards credit card from Barclaycard offering 0.25% cashback on eligible purchases and no fees abroad on purchases and ATM withdrawals. It is more useful as a travel-spending card than as a high-cashback card.

No annual fee
0.25% cashback on eligible purchases
No fees abroad on purchases

Joining fees

£0

Renewal fees

£0

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Virgin Money

Virgin Money Everyday Cashback Credit Card

A no-annual-fee UK cashback credit card from Virgin Money offering 1% cashback for the first 90 days, then 0.25% cashback after that, with a monthly cashback cap. It can also be useful abroad because MoneySavingExpert lists it as fee-free for overseas spending when paid off in full.

No annual fee
1% cashback for first 90 days
0.25% cashback after first 90 days

Joining fees

£0

Renewal fees

£0

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NatWest

NatWest Travel Reward Credit Card

A no-annual-fee UK travel rewards credit card from NatWest offering 1% back in Rewards on eligible travel spending, 1% to 15% back at selected partner retailers, 0.1% on other spending, and no foreign transaction fees on purchases abroad.

No annual fee
1% back on eligible travel spending
1% to 15% back at selected partner retailers

Joining fees

£0

Renewal fees

£0. NatWest lists this card as having no annual/yearly fee.

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American Express

Amex Platinum Cashback Everyday Credit Card

A no-annual-fee UK cashback credit card from American Express that rewards everyday spending. It is best for users who want simple cashback and can spend at least £3,000 per cardmembership year to qualify for cashback.

No annual fee
Earn cashback on everyday purchases
0.5% cashback up to £10,000 annual spend

Joining fees

£0

Renewal fees

£0

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Compare

Compare Cards

Card 1Card 2

Field	Amex® Platinum Cashback Credit Card	Lloyds Ultra Credit Card
Bank/provider	American Express	Lloyds Bank
Joining fee	£0	£0
Renewal fee	£25 per year	£0 account fee Lloyds describes the Ultra card as having no account fees
Best for	Higher-spending UK users who want stronger cashback rates than the no-fee Amex cashback card	UK users who want 1% cashback in the first year plus no foreign exchange fees for travel spending
Reward rate	0.75% cashback on purchases up to £10,000 in the cardmembership year 1.25% cashback on purchases above £10,000 in the cardmembership year 0.5% cashback at UK warehouse retailers Cashback is not earned on balance transfers, cash advances, foreign exchange transactions, interest, fees, late payment charges, returned payment charges, spending above credit limit, and similar excluded transactions	1% cashback on all card purchases in the first year from account opening After the first year, earn 0.25% cashback on card purchases
Cashback	Cashback is credited to the card account once per year during the card anniversary month, based on eligible purchases made during the previous 12 months Any introductory cashback, if eligible, is also credited in the credit card anniversary month	Cashback is earned on card purchases Lloyds’ launch information says cashback is uncapped and continues for the duration of the card at 0.25% after the first 12 months
Lounge access	No	No
Fuel surcharge waiver	No	No
Welcome benefit	New eligible cardmembers may get an introductory cashback offer Amex states that introductory offers are not available if the applicant currently holds, or has held, another personal American Express Card in the past 24 months	The main introductory benefit is the 1% cashback rate for the first 12 months. I did not find a separate fixed cash/gift welcome bonus on Lloyds’ official page
Annual fee waiver condition	No standard annual fee waiver mentioned on the official Amex cashback benefit page	Not Applicable
Eligibility	UK applicant Subject to status and credit approval Must meet American Express eligibility checks	Lloyds’ general credit card application page says applicants need to be UK residents, aged 18 or over, and have a regular income It also says users may not qualify if they are unemployed or a student, have bankruptcies, CCJs, IVAs, or were declined for a Lloyds credit card within the last 30 days
Apply link	Apply Now	Apply Now

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