Credit Card Expert

UK Credit Card Reviews

Want more detail on the UK Credit Cards available?  Want to find out how much each one charges for balance transfers, for purchases?  How about how much the minimum payment is?  And which one is best for you needs?  All cards on the site are individually rated  - don't forgot a low interest rate doesn't matter if you pay your card off every month or a low balance transfer rate isn't much use when you want to buy a holiday.

Make sure you pick a card that's right for you.

In fact we are often asked here at Credit Card Expert - What is the best credit card?  The truth is there isn't one - there is only a credit card that is best for YOU.  So you need to think about exactly what you want to do with the credit card.

If you want to go out and buy something, transfer a balance and use a card every day, take a look at our best credit cards section. This details some great all round products that could suit your needs.

If you have a balances outstanding on lots of cards or one big balance on a credit card you could save hundreds of pounds each your by switching to one of the best balance transfers credit cards. These offer either 0% for 6 months or more or a low rate for the life of the balance outstanding so if your paying your credit cards standard rate of interest you will save money straight away.

What if you have no balance to transfer but you need to buy something and spread the payments over time?  In that case you need the best credit card for purchases. These offer 0% or permanently low interest rates (compared with other on the market) so you can use your card day to day or simply for that one off big purchase when you really need it.

The best way to make the most of credit cards is to utilise the competition in the credit card sector and "rate surf".  But not everyone wants to shift their balance each month  - you have to be disciplined and if your not can end up with a hefty bill.  That's where you need one of the best standard rate credit cards.  These offer permanently low rates that can save you money over your current card but which don't force you to move balances each month.  If you don't like constantly changing your card this could be the one for you.

If you pay your balance off every month it can be very confusing trying to find a card that meets your needs.  0% interest and low standard rates really mean nothing to you as you never carry a balance over each month so cards that offer rewards in terms of points or cashback will be the best option.  The best reward/cashback credit cards will offer either a percentage of money back off everything you spend or points related to spend which you can then reclaim at a later date.  Using these cards in the right way can really build up over time and lead to some fantastic benefits.

What if you have a poor credit history?  The deals offered by many credit card companies don't apply to all their products and it can often be difficult to get a credit card at all.  That's where we can help.  We have a selection of good value credit card companies that will take a flexible approach - click here for the best bad credit credit cards.

Below you will find links to individual UK credit card reviews.  These are constantly updated with the latest offers so for a more in depth look at UK credit card reviews click away!

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