The UK is a great place to live and work, but it’s also a thriving market for credit cards. You’ll find that there are plenty of lenders out there who want to give you their money, and if you shop around for the best deals, then you’ll be able to take advantage of them.
In this article, we’ve rounded up five different card options that will help you build your credit history, make purchases in style, and save money along the way!
Barclaycard Platinum Cashback Plus
The Barclaycard Platinum Cashback Plus is one of the most popular cards in the country. It offers 5% cashback on all purchases, 1% when you pay on time, and 0.5% when you pay in full. The card also has a 0–19% APR representative rate, which means that your monthly payment will be around 27–28%.
The only downside to this card is that it doesn’t come with any travel insurance, but if you plan on using it for everyday spending, then this shouldn’t be an issue for most people since travel insurance costs are often overpriced anyway!
NatWest Reward Credit Card
This is the best credit card for those who want to earn rewards on all their purchases, regardless of how much they spend. The NatWest Reward Credit Card gives you 2% cash back on all purchases and 0% introductory balance transfers for 12 months.
This card also comes with free travel insurance and mobile phone insurance, as well as free money transfers to other NatWest accounts, access to over 1,000 ATMs nationwide, and more.
Barclaycard Platinum 19-Month Balance Transfer Card
You’ll be happy to know that the Barclaycard Platinum 19 Month Balance Transfer Card offers 0% APR for 19 months, so you can get yourself out of debt as quickly as possible. The card also offers a 0% balance transfer fee during the first 12 months and then 1% thereafter. This means no fees when transferring existing balances to your new card.
For example, if you have $5,000 in credit on your current account and use this card to transfer it over, those charges will be covered by the annual fee ($50). You’ll also pay no cash advance fees when using ATMs with their Debit Mastercard® debit cards or prepaid cards (typically up to $500).
American Express Platinum Cashback Everyday Card
The American Express Platinum Cashback Everyday Card is a great option for those who want to earn cash back on all purchases. It has no annual fee and offers up to 2% cash back on all purchases, with 1% back in the first 3 months and 1% in the first 6 months. Additionally, you’ll get 0.5% back on your spending during those same two time periods—so that means 2%-6%-0.5%.
The maximum amount of rewards you can earn is 20%, which makes this card one of the best options if you’re looking to maximize your earnings potential while using it regularly over time (the longer your relationship with this card goes on, the better).
Aqua Reward Card
The Aqua Reward Card is a loyalty credit card that lets you earn rewards on your purchases, including travel and dining. You can use the card to earn 1 point for every £1 spent at participating retailers or restaurants. You can also get 2 points for every £1 spent when making purchases from a range of partners, including Amazon and Apple.
The main benefit of this card is its flexibility: you can use it anywhere in the UK where there are ATMs, including any airport ATM machine or any other retailer with an NFC reader terminal. This means that you won’t have to carry around cash when traveling abroad; instead, all your expenses will be paid automatically by your bank account via EFTPOS terminals found in many shops across Europe.
Conclusion: The 10 Best Credit Cards In The UK For 2022
The best credit cards in the UK are those that offer you the best value for your money. If you travel a lot and want to earn points on every purchase, then any of the travel credit cards listed above should be perfect for your needs.
You can also use them to pay for flights, hotel stays or other expenses abroad without having to worry about exchange rates or fees since they’re all linked directly with Mastercard and Visa networks.
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