Updated October 21, 2026 · SumCue Editorial Team

Top credit cards compared in the United Kingdom

149 providers available in the United Kingdom, ranked for the United Kingdom.

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Top credit cards compared in the United Kingdom
OrderProviderScoreFeaturesKey factsActions
1
Marbles CardTop pickPartner
8.0/10
    ReviewCompareVisit
    2
    Nexo logo
    NexoPartner
    8.9/10
    • No annual fee
    • Business
    • Travel
    Annual fee:
    €0
    APR:
    from 1.9%
    Currency conversion fee:
    0.2% to 2.5%
    ReviewCompareVisit
    3
    Revolut UK logo
    Revolut UKPartner
    9.4/10
    • No annual fee
    • Travel
    Annual fee:
    €0
    APR:
    13.34% to 17.99%
    Currency conversion fee:
    0% to 2%
    ReviewCompareVisit
    4
    BCP logo
    BCPPartner
    9.7/10
    • No monthly fee
    APR:
    8.9% to 87.5%
    Credit needed:
    Good
    Legal entity:
    Banco de Credito del Peru
    ReviewCompareSee alternatives
    5
    Banco Pichincha logo
    Banco PichinchaPartner
    9.6/10
    • No monthly fee
    • Rewards
    Rewards type:
    Miles
    Card kind:
    Credit
    Legal entity:
    BANCO PICHINCHA C.A.
    ReviewCompareSee alternatives
    6
    Union Pay International logo
    Union Pay InternationalPartner
    9.6/10
    • Travel
    Currency conversion fee:
    0%
    Rewards type:
    Points
    Perks:
    Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more
    ReviewCompareSee alternatives
    7
    NatWest logo
    NatWestPartner

    GBP 200 Switch offer on Everyday Current Account

    9.5/10
    • Rewards
    APR:
    7.2%
    Rewards type:
    Points
    Card kind:
    Credit
    ReviewCompareSee alternatives
    8
    Nykredit logo
    NykreditPartner
    9.5/10
    • No monthly fee
    Card kind:
    Credit
    Legal entity:
    Nykredit Bank A/S
    Headquarters:
    Denmark
    ReviewCompareSee alternatives
    9
    BPI Credit Cards logo
    BPI Credit CardsPartner

    Back-to-Back Perks: Up to PHP 18,000 worth of eGCs plus waived Annual Membership Fees

    9.4/10
    • Rewards
    Annual fee:
    ₱1,550
    APR:
    3%
    Currency conversion fee:
    0.85%
    ReviewCompareSee alternatives
    10
    HBL logo
    HBLPartner
    9.4/10
    • No monthly fee
    Card kind:
    Credit
    Legal entity:
    Habib Bank Limited
    Headquarters:
    Pakistan
    ReviewCompareSee alternatives

    Licensed in the United Kingdom

    BPI Credit Cards
    Financial Conduct Authority
    BPI Credit Cards
    Prudential Regulation Authority
    HSBC Classic Credit Card
    Financial Conduct Authority
    HSBC Classic Credit Card
    Prudential Regulation Authority
    Virgin Atlantic Reward Credit Card
    Prudential Regulation Authority
    Santander UK
    Financial Conduct Authority
    Capital on Tap
    Financial Conduct Authority (consumer credit activities)
    Capital on Tap
    Financial Conduct Authority (Electronic Money Regulations 2011, issuing of electronic money)
    Ocean Finance Card
    Financial Conduct Authority
    Aqua Card
    Financial Conduct Authority
    Aqua Card
    Financial Conduct Authority (Payment Services Regulations 2017)
    Barclaycard
    Financial Conduct Authority
    NewDay
    Financial Conduct Authority
    NewDay
    Financial Conduct Authority (NewDay Cards Ltd)
    NewDay
    Financial Conduct Authority under the Payment Services Regulations 2017
    Monzo Flex
    Financial Conduct Authority
    Monzo Flex
    Prudential Regulation Authority
    Yonder
    Financial Conduct Authority
    MBNA
    Financial Conduct Authority

    Other rankings

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    Other countries

    Marbles Card

    Top pick for the United Kingdom

    8.0/10Visit