Best Financial Deals
Barclaycard Platinum
Rate/APR
0%
Period
24 months
Fees
2.9%
Best For
Longest 0% period
HSBC All-in-One
Rate/APR
19.9% variable
Period
Lifetime
Fees
None
Best For
5% cashback first year
American Express Gold
Rate/APR
24.9% variable
Period
N/A
Fees
£195/year
Best For
Travel points & perks
Important Information
Rates shown are representative examples only and are not personalised offers. Your actual rate will depend on your credit score, income, and individual circumstances and may differ from those shown. All providers listed are FCA-regulated. We may receive commission if you apply via our links, but this does not influence which products we feature. Always check the provider's website for current rates and read the full terms before applying. Information correct as of July 2026.
Not Financial Advice
This is not a credit broker and does not provide regulated financial advice. We show indicative rates for comparison purposes only. This website is not authorised or regulated by the Financial Conduct Authority (FCA). You should seek advice from a qualified financial adviser before making any financial decisions. Your approval and actual rate may differ based on your personal circumstances and credit status.
Want personalised recommendations?
Check Your Eligibility FirstHow to Read a "Representative APR"
UK lenders must advertise a representative APR, meaning at least 51% of successful applicants receive that rate or better. The other 49% may be offered a higher rate, or be declined. This is why the rate you're offered after applying can differ from the one advertised — your credit history and financial circumstances determine your personal rate.
What to Check Before Applying
Beyond the Headline Rate
Check for annual fees, balance transfer fees, foreign transaction charges, and what the rate reverts to after any introductory period ends.
Your Credit Footprint
Multiple full applications in a short period can temporarily lower your credit score. Use a soft-search eligibility checker first where available.
Frequently Asked Questions
Are these the best deals available right now?
This is a curated selection of well-known providers, not an exhaustive whole-of-market comparison. Rates change frequently — always check the provider's website for the current rate before applying.
Does applying affect my credit score?
A full application typically leaves a "hard search" mark on your credit file, visible to other lenders. Many providers offer an eligibility checker (soft search) first, which doesn't affect your score.
Why do you show fees alongside the rate?
A low headline rate can be offset by a high arrangement fee, making a higher-rate, no-fee product cheaper overall depending on how much you're borrowing and for how long.
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Not Financial Advice: This calculator is for informational and educational purposes only. Results are estimates and do not constitute financial advice, recommendations, or regulated advice. We are not authorised or regulated by the Financial Conduct Authority (FCA). Always consult a qualified financial adviser for personalised advice. Tax treatment depends on your individual circumstances and may change. Tax laws and rates may change. Past performance does not guarantee future results.
